What is CPF Enhanced Nomination Scheme (ENS)?

General Information on Enhanced Nomination Scheme (ENS) (PDF)

Q: What is Enhanced Nomination Scheme (ENS) and when is it implemented?

A: Previously when a member passes away, the Board will distribute his CPF savings to his nominees as a lumpsum in cash according to the proportion indicated in his nomination form. The new ENS option enables CPF members to transfer their CPF savings to their nominees’ CPF accounts when they pass away, subject to the prevailing Minimum Sum limit and Medisave Contribution Ceiling (MCC).

ENS is available from 1 January 2011.

Q: Is it compulsory to transfer my CPF savings to my nominees’ CPF accounts upon death?

A: No, it is optional. You may wish to consider this option if you wish to help your nominees set aside more money for their retirement and healthcare needs.


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