Silver Support Scheme

silversupport.gov.sg

Frequently Asked Questions

  1. What is the Silver Support Scheme?

    The Silver Support (SS) Scheme is part of a wider suite of schemes (e.g. healthcare subsidies, GST voucher) that the Government has put in place to give seniors greater assurance in retirement.

    It provides a quarterly cash supplement to seniors who had low incomes during their working years and now have less in retirement.

    Seniors who qualify for SS will automatically receive their cash supplement. There is no need to apply.

  2. Do I need to apply for the Silver Support Scheme?

    There is no need to apply for the Silver Support (SS) Scheme.

    CPF Board will automatically review your eligibility for the SS Scheme every year. Eligible seniors will automatically receive SS every quarter.

    Seniors who qualify will receive a notification from CPF Board in December of the preceding year.

  3. Do I qualify for the Silver Support Scheme?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification from CPF Board in December of the preceding year.

    The SS Scheme is meant to support seniors who had low incomes during their working years and now have less in retirement. To identify this target group, three criteria are used in tandem – lifetime wages, housing type, and the level of household support.

    Singapore citizens aged 65 and above will be eligible for the SS Scheme if they meet all of the following criteria:

    1. Low lifetime wages - Total CPF contributions* of not more than $140,000 by age 55. Self-employed persons should also have an average annual net trade income^ of not more than $27,600 when they were between the ages of 45 and 54; and
    2. Housing type - Live in a 1- to 5-room HDB flat; and do not own, or have a spouse who owns, a 5-room or larger HDB flat or private property or multiple properties; and
    3. Low household support - Live in a household with a monthly income per person of not more than $1,800.

    CPF Board will automatically review your eligibility for SS every year.

    * Total CPF contributions refers to the total sum in an individual’s Ordinary Account and Special Account, including the amounts withdrawn for housing, education and investment.

    ^ Net trade income refers to the gross trade income minus all allowable business expenses, capital allowances and trade losses as determined by IRAS.

  4. How much Silver Support will I get?

    Eligible seniors will receive Silver Support (SS) every quarter, depending on their household monthly income per person, and the type of Housing and Development Board (HDB) flat that they live in. Those living in smaller flats will receive higher SS.

    HDB flat type Silver Support Per Quarter^
    Household earns ≤$1,300 per person Household earns $1,301-$1,800 per person
    1- and 2-Room $900 $450
    3-Room $720 $360
    4-Room $540 $270
    5-Room* $360 $180
    * Live in and do not own a 5-room HDB flat
    ^All Singaporeans aged 65 and above who are ComCare Long Term Assistance (LTA) recipients will receive SS of $360 per quarter, regardless of their flat type.
  5. When will I receive my Silver Support?

    Eligible seniors will receive Silver Support (SS) according to the following schedule:

    Payment Date For Period
    31 December of the preceding year January – March
    31 March April – June
    30 June July – September
    30 September October – December

    *Those who turn 65 in the year will start receiving SS in the quarter they turn 65.

  6. How can I receive SMS notifications on my Silver Support payment?

    We will only send SMS notifications on Silver Support (SS) payments to the mobile number that you have registered with CPF Board.

    To receive SMS notifications on your SS payments, you may update your mobile number via my cpf digital services - Account settings with your Singpass.

  1. How will I know if I qualify for the Silver Support Scheme?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification in December of the preceding year.

    Eligible seniors turning age 65 will be notified of their eligibility in December of the year before they turn 65. They will start receiving SS in the quarter they turn 65.

    In addition to the notification, all Singaporeans aged 65 and above can check their SS eligibility by logging in to the e-service at silversupport.gov.sg using their Singpass.

  2. How much Silver Support will I receive?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification in December of the preceding year.

    SS is tiered according to the household monthly income per person and the type of HDB flat that the eligible seniors live in:

    HDB flat type Silver Support Per Quarter^
    Household earns ≤$1,300 per person Household earns $1,301-$1,800 per person
    1- and 2-Room $900 $450
    3-Room $720 $360
    4-Room $540 $270
    5-Room* $360 $180
    * Live in and do not own a 5-room HDB flat
    ^All Singaporeans aged 65 and above who are ComCare Long Term Assistance (LTA) recipients will receive SS $360 per quarter, regardless of their flat type.
  3. Can Permanent Residents qualify for the Silver Support Scheme?

    The Silver Support Scheme is given only to Singapore Citizens.

  4. I am a Pioneer Generation member. Will I automatically qualify for the Silver Support Scheme?

    Pioneer Generation members do not automatically qualify for the Silver Support (SS) Scheme.

    The SS Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    The Pioneer Generation Package is a one-off scheme meant for the special generation who contributed to Singapore’s nation-building in our early years.

    Pioneer Generation members will be means-tested for SS like all other seniors aged 65 and above, and those who meet the eligibility criteria will receive SS.

  5. I am a Public Assistance (also known as ComCare Long Term Assistance) recipient. Will I qualify for the Silver Support Scheme?

    Seniors aged 65 and above on the ComCare Long Term Assistance (LTA) Scheme will automatically qualify for the Silver Support (SS) Scheme and receive SS of $360 per quarter, regardless of their HDB flat type.

    The SS supplements the monthly cash assistance provided by the ComCare LTA Scheme, which currently covers the recipient's daily living expenses, free medical treatment and highly subsidised social services if needed. ComCare LTA beneficiaries also receive medical assistance at polyclinics and government/restructured hospitals, free or highly subsidised social services such as home help, or senior activity centres funded by the government.

  6. Will the Silver Support Scheme cover seniors living in a Special Home (e.g. Nursing Homes/ Welfare Homes/ Home for the Aged and Adult Disability Home)?

    Seniors aged 65 and above, including those living in residential facilities that provide long-term care*, will be assessed for the Silver Support (SS) Scheme. Seniors whose NRIC address reflects one of these facilities will receive SS if they meet all the other eligibility criteria.

    *Please refer to the list of residential long-term care facilities.

  1. Why are my total CPF contributions used as a reflection of my lifetime wages in the assessment of eligibility of the Silver Support Scheme?

    CPF contributions are proportionate to a person’s wage. They thus serve as an indicator of one’s ability to save.

    We will look at the senior’s total CPF contributions by the age of 55 to assess his/her eligibility for the Silver Support Scheme. This refers to the sum of contributions to the Ordinary Account (OA) and Special Account (SA), as well as any CPF savings that had been withdrawn for housing, investment and education.

  2. Why is the age cut-off for total CPF contributions set at 55 for the assessment of eligibility for the Silver Support Scheme?

    For the assessment of eligibility for the Silver Support Scheme, we do not look at CPF contributions after the age of 55, so as to encourage older Singaporeans to continue working and saving for retirement.

    We have also set the cut-off age at 55 to provide a meaningful comparison across cohorts, which experience different sets of CPF withdrawal rules and wage adjustments after age 55.

  3. Why is the threshold for total CPF contributions set at $140,000 to be eligible for the Silver Support Scheme?

    An eligibility criterion of $140,000 set for the Silver Support Scheme would include seniors who were earning lower wages through their working lives, and those who did not work due to reasons such as care-giving responsibilities and medical conditions.

  4. How can I check how much total CPF contributions I have at age 55 for assessing my eligibility for the Silver Support Scheme?

    Only Singaporean seniors aged 65 and above can be assessed for eligibility for the Silver Support (SS) Scheme.

    You may request to find out your total CPF contributions used for SS by contacting us at cpf.gov.sg/contact-us.

  5. I am a self-employed person. How will the Government assess my eligibility for the Silver Support Scheme?

    As it is not mandatory for self-employed persons to contribute to their Ordinary and Special Accounts, self-employed persons would naturally have made less CPF contributions than employees.

    For seniors who were self-employed in their working years, we will consider their average annual net trade income, as determined by their annual income tax assessments, in addition to the total CPF contributions they made by the age of 55.

    To qualify for the Silver Support Scheme, their average annual net trade income must not be more than $27,600 between the ages of 45 and 54.

  6. What is net trade income (NTI)?

    Net trade income is your gross trade income minus all allowable business expenses, capital allowances and trade losses as determined by the Inland Revenue Authority of Singapore (IRAS).

  1. Why is household monthly income per person used as an indication of my household support for the Silver Support Scheme?

    The Silver Support (SS) Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    To automatically identify seniors who are eligible for SS, the Government has to rely on available data as broad indicators of an individual’s ability to save for retirement, access to resources and family support.

    We have relied on the household monthly income per person as a broad indicator of the level of family support available.

  2. Why is the threshold for household monthly income per person set at $1,800 to be eligible for the Silver Support Scheme?

    The Silver Support (SS) Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    The threshold of $1,800 enables seniors who have little or no family support to benefit from SS.

  3. Who should be considered as a member of my household for the computation of my household income used for assessing my eligibility for the Silver Support Scheme?

    Only family members related by blood, marriage and/or legal adoption (e.g. spouse, parents, children, grandparents, grandchildren, siblings, uncles, aunts, cousins and in-laws) and who live at the same residence are considered members of your household for the computation of your household income used for assessing your eligibility for the Silver Support (SS) Scheme.

    Domestic helpers, unrelated tenants, godparents and friends living at the same address are not considered members of your household. Family members not living at your address are not considered members of your household.

    If there are recent household changes that you want us to take into account to reassess your SS eligibility, please approach CPF Board, which will advise on the supporting documents required from you.

  4. How will the household monthly income per person be determined for assessing one's eligibility for the Silver Support Scheme?

    In general, annual income from work from all household members will be used.

    For those who are salaried employees, their income will be based on either:

    1. the average monthly income over the last available 12-month period, including bonuses, as derived by the CPF Board; or
    2. the average monthly income from work (sum of net employment income and annual trade income before losses brought forward) assessed by the Inland Revenue Authority of Singapore (IRAS) for the latest available assessment year.

    For those who are self-employed, their income will be based on either:

    1. the average monthly income from work (sum of net employment income and annual trade income before losses brought forward) assessed by Inland Revenue Authority of Singapore (IRAS) for the latest available assessment year; or
    2. the income declared to the CPF Board within the last two years.

    If there are recent changes to your circumstances that you want us to take into consideration to reassess your Silver Support Scheme eligibility, please approach CPF Board, which will advise on the supporting documents required from you.

  1. Why does the Silver Support Scheme not include seniors who own 5-room or larger HDB flats?

    The type of home owned is an indicator of the senior’s resources. The bigger the home owned, the more likely that the person has more resources and access to additional retirement income.

    Seniors who are able to own a 5-room flat are more likely to have more resources, and less likely to require assistance through the Silver Support (SS) Scheme.

    There are other schemes to help seniors cope with daily expenses, finance their healthcare needs and increase their retirement savings. Even if you do not qualify for the SS, you can still benefit from many of these schemes.

    Those who need additional support can turn to other forms of assistance such as ComCare and MediFund. They may wish to approach a nearby Social Service Office for assistance.

  1. How will I receive my Silver Support?

    Eligible seniors will receive their Silver Support (SS) in their PayNow bank account linked to their NRIC number, if they have one. Otherwise, their SS will be credited to their bank account which they have registered with the CPF Board to receive Government payments (e.g. GST Voucher, Workfare).

    Eligible seniors without a bank account registered with the CPF Board are encouraged to register one with the CPF Board by logging on to the e-service in the SS Scheme website (silversupport.gov.sg) with their Singpass. They will be able to update their payment mode and bank details. Eligible seniors are also encouraged to link their NRIC number to their PayNow bank account to receive their SS earlier.

    Eligible seniors without a PayNow-NRIC linked bank account or bank account registered with CPF Board will receive their SS via GovCash*.

    *GovCash will replace cheques from December 2022 onwards.

  2. How can I change my bank details for Silver Support?

    All seniors can log on to the e-service in the Silver Support (SS) Scheme website (silversupport.gov.sg) with their Singpass. They will be able to update their payment mode and bank details.

    For those who are eligible and have updated their payout details, the instruction will only take effect from the next quarter of SS, if they continue to be eligible.

  3. What is PayNow?

    PayNow is a secure funds transfer service that allows recipients to receive monies in their participating bank account which is linked to their NRIC. The 10 participating PayNow banks in Singapore are as follows (with the corresponding bank code):

    Bank Code Bank
    BOC Bank of China Limited
    CIMB CIMB Bank Berhad
    CITI Citibank Singapore Limited/ Citibank
    DBS DBS Bank Limited
    HSBC HSBC Bank (Singapore) Limited/ The Hongkong & Shanghai Banking Corporation Ltd
    ICBC Industrial and Commercial Bank of China Limited
    MBB Maybank Singapore Limited/ Malayan Banking Berhad
    OCBC Oversea-Chinese Banking Corporation Limited
    SCB Standard Chartered Bank (Singapore) Limited
    UOB United Overseas Bank Limited

    With PayNow, the recipients’ bank account will be kept private.

  4. How do I link my NRIC to PayNow?

    You may follow these steps:

    1. Choose your preferred bank account to be linked to your NRIC
    2. Login to your Internal banking or mobile banking app
    3. Register for PayNow-NRIC

    You may also refer to your respective bank's website for specific details on how to link your NRIC to PayNow. If you do not have internet or mobile banking, you can contact your bank directly to register for PayNow-NRIC.

  5. My mobile number is already registered to my bank account on PayNow. Can the Government credit my Silver Support payments to me via PayNow-Mobile instead of via PayNow-NRIC?

    We can only credit your Silver Support payments to you via your PayNow NRIC-linked bank account. NRIC is issued by the Government and does not change, compared to mobile numbers which may be easily changed. Using PayNow-NRIC ensures that the payments are credited into the correct bank account.

    Eligible seniors who have linked their NRIC to their bank account will receive the payment in this bank account.

  6. What is GovCash?

    GovCash is a quicker and more convenient way for recipients to receive their payments from Government agencies. Recipients can withdraw their GovCash monies from over 500 OCBC ATMs located across Singapore.

    GovCash has adopted the Singpass facial verification technology to authenticate users, including a liveness-detection capability that blocks the use of photographs, videos or masks during the verification process. Recipients do not need to have an OCBC bank account to use the GovCash service. In addition, GovCash allows recipients to use the scan-and-pay function and PayNow transfer option through the LifeSG mobile app.

    For more information on GovCash, you may visit cpf.gov.sg/GovCash.

  7. How can I withdraw my monies via GovCash?

    You can withdraw your monies in cash at OCBC ATMs with your 8-digit Payment Reference Number (PRN), which will be sent to you by SMS or by post. You do not need to have a OCBC bank account to use this service.

    You can also:

    1. Transfer your monies to your PayNow NRIC-linked bank account
    2. Use them to make payments at any merchants
    3. Transfer monies to your friends by scanning their PayNow QR code using the LifeSG mobile app.

    You can download the LifeSG mobile app from the Apple App Store or Google Play Store.

    You may refer to the step-by-step guide for detailed instructions on how you can utilise your GovCash monies.

  8. How can I help a beneficiary who is bedridden/physically immobile or of unsound mind to withdraw GovCash monies for Silver Support?

    If you are the appointed proxy of the incapacitated beneficiary and wish to help with the withdrawal of the GovCash monies, please visit any OCBC – New ATM with the following documents:

    Proxy, who is the court-appointed Deputy

    1. Court Order; and
    2. A photocopy of the beneficiary's NRIC; and
    3. Proxy’s original NRIC

    Proxy, who is the family member/ Next-Of-Kin/caretaker, aged 21 years and above, or the Donee appointed under the Lasting Power of Attorney

    1. Original documentary evidence stating the beneficiary's medical condition (e.g. doctor's memorandum, medical report or court order). The date of the document(s) should not be more than 1 year from the withdrawal date, unless it specifically states that the patient's condition is permanent; and
    2. A photocopy of the beneficiary's NRIC; and
    3. Proxy’s original NRIC

    You will be required to sign a Letter of Indemnity at the bank, witnessed by the bank officer.

    To locate an OCBC – New ATM near you, you can visit the OCBC ATM locator website.

  9. Can Silver Support be paid on a monthly basis instead of a quarterly basis?

    Silver Support (SS) payments are made ahead of the quarter, as shown below:

    Payment Date For Period
    31 December of the preceding year January – March
    31 March April – June
    30 June July – September
    30 September October – December

    Paying ahead in 3-month tranches gives the recipients greater flexibility to manage their expenses. Monthly payments will reduce such flexibility.

  10. Can I appeal for the Silver Support Scheme?

    There will be some seniors on the margins who do not qualify automatically, but may still be deserving of Silver Support (SS). These seniors can approach CPF Board for a review of their case.

    Even if you do not qualify for SS, there are other schemes in place to help you, if you are in need of assistance.

    You may qualify for SS in future years if your circumstances warrant additional retirement support.

  1. What is the Silver Support Scheme?

    The Silver Support (SS) Scheme is part of a wider suite of schemes (e.g. healthcare subsidies, GST voucher) that the Government has put in place to give seniors greater assurance in retirement.

    It provides a quarterly cash supplement to seniors who had low incomes during their working years and now have less in retirement.

    Seniors who qualify for SS will automatically receive their cash supplement. There is no need to apply.

  2. Do I need to apply for the Silver Support Scheme?

    There is no need to apply for the Silver Support (SS) Scheme.

    CPF Board will automatically review your eligibility for the SS Scheme every year. Eligible seniors will automatically receive SS every quarter.

    Seniors who qualify will receive a notification from CPF Board in December of the preceding year.

  3. Do I qualify for the Silver Support Scheme?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification from CPF Board in December of the preceding year.

    The SS Scheme is meant to support seniors who had low incomes during their working years and now have less in retirement. To identify this target group, three criteria are used in tandem – lifetime wages, housing type, and the level of household support.

    Singapore citizens aged 65 and above will be eligible for the SS Scheme if they meet all of the following criteria:

    1. Low lifetime wages - Total CPF contributions* of not more than $140,000 by age 55. Self-employed persons should also have an average annual net trade income^ of not more than $27,600 when they were between the ages of 45 and 54; and
    2. Housing type - Live in a 1- to 5-room HDB flat; and do not own, or have a spouse who owns, a 5-room or larger HDB flat or private property or multiple properties; and
    3. Low household support - Live in a household with a monthly income per person of not more than $1,800.

    CPF Board will automatically review your eligibility for SS every year.

    * Total CPF contributions refers to the total sum in an individual’s Ordinary Account and Special Account, including the amounts withdrawn for housing, education and investment.

    ^ Net trade income refers to the gross trade income minus all allowable business expenses, capital allowances and trade losses as determined by IRAS.

  4. How much Silver Support will I get?

    Eligible seniors will receive Silver Support (SS) every quarter, depending on their household monthly income per person, and the type of Housing and Development Board (HDB) flat that they live in. Those living in smaller flats will receive higher SS.

    HDB flat type Silver Support Per Quarter^
    Household earns ≤$1,300 per person Household earns $1,301-$1,800 per person
    1- and 2-Room $900 $450
    3-Room $720 $360
    4-Room $540 $270
    5-Room* $360 $180
    * Live in and do not own a 5-room HDB flat
    ^All Singaporeans aged 65 and above who are ComCare Long Term Assistance (LTA) recipients will receive SS of $360 per quarter, regardless of their flat type.
  5. When will I receive my Silver Support?

    Eligible seniors will receive Silver Support (SS) according to the following schedule:

    Payment Date For Period
    31 December of the preceding year January – March
    31 March April – June
    30 June July – September
    30 September October – December

    *Those who turn 65 in the year will start receiving SS in the quarter they turn 65.

  6. How can I receive SMS notifications on my Silver Support payment?

    We will only send SMS notifications on Silver Support (SS) payments to the mobile number that you have registered with CPF Board.

    To receive SMS notifications on your SS payments, you may update your mobile number via my cpf digital services - Account settings with your Singpass.

  1. How will I know if I qualify for the Silver Support Scheme?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification in December of the preceding year.

    Eligible seniors turning age 65 will be notified of their eligibility in December of the year before they turn 65. They will start receiving SS in the quarter they turn 65.

    In addition to the notification, all Singaporeans aged 65 and above can check their SS eligibility by logging in to the e-service at silversupport.gov.sg using their Singpass.

  2. How much Silver Support will I receive?

    Seniors who qualify for the Silver Support (SS) Scheme will receive a notification in December of the preceding year.

    SS is tiered according to the household monthly income per person and the type of HDB flat that the eligible seniors live in:

    HDB flat type Silver Support Per Quarter^
    Household earns ≤$1,300 per person Household earns $1,301-$1,800 per person
    1- and 2-Room $900 $450
    3-Room $720 $360
    4-Room $540 $270
    5-Room* $360 $180
    * Live in and do not own a 5-room HDB flat
    ^All Singaporeans aged 65 and above who are ComCare Long Term Assistance (LTA) recipients will receive SS $360 per quarter, regardless of their flat type.
  3. Can Permanent Residents qualify for the Silver Support Scheme?

    The Silver Support Scheme is given only to Singapore Citizens.

  4. I am a Pioneer Generation member. Will I automatically qualify for the Silver Support Scheme?

    Pioneer Generation members do not automatically qualify for the Silver Support (SS) Scheme.

    The SS Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    The Pioneer Generation Package is a one-off scheme meant for the special generation who contributed to Singapore’s nation-building in our early years.

    Pioneer Generation members will be means-tested for SS like all other seniors aged 65 and above, and those who meet the eligibility criteria will receive SS.

  5. I am a Public Assistance (also known as ComCare Long Term Assistance) recipient. Will I qualify for the Silver Support Scheme?

    Seniors aged 65 and above on the ComCare Long Term Assistance (LTA) Scheme will automatically qualify for the Silver Support (SS) Scheme and receive SS of $360 per quarter, regardless of their HDB flat type.

    The SS supplements the monthly cash assistance provided by the ComCare LTA Scheme, which currently covers the recipient's daily living expenses, free medical treatment and highly subsidised social services if needed. ComCare LTA beneficiaries also receive medical assistance at polyclinics and government/restructured hospitals, free or highly subsidised social services such as home help, or senior activity centres funded by the government.

  6. Will the Silver Support Scheme cover seniors living in a Special Home (e.g. Nursing Homes/ Welfare Homes/ Home for the Aged and Adult Disability Home)?

    Seniors aged 65 and above, including those living in residential facilities that provide long-term care*, will be assessed for the Silver Support (SS) Scheme. Seniors whose NRIC address reflects one of these facilities will receive SS if they meet all the other eligibility criteria.

    *Please refer to the list of residential long-term care facilities.

  1. Why are my total CPF contributions used as a reflection of my lifetime wages in the assessment of eligibility of the Silver Support Scheme?

    CPF contributions are proportionate to a person’s wage. They thus serve as an indicator of one’s ability to save.

    We will look at the senior’s total CPF contributions by the age of 55 to assess his/her eligibility for the Silver Support Scheme. This refers to the sum of contributions to the Ordinary Account (OA) and Special Account (SA), as well as any CPF savings that had been withdrawn for housing, investment and education.

  2. Why is the age cut-off for total CPF contributions set at 55 for the assessment of eligibility for the Silver Support Scheme?

    For the assessment of eligibility for the Silver Support Scheme, we do not look at CPF contributions after the age of 55, so as to encourage older Singaporeans to continue working and saving for retirement.

    We have also set the cut-off age at 55 to provide a meaningful comparison across cohorts, which experience different sets of CPF withdrawal rules and wage adjustments after age 55.

  3. Why is the threshold for total CPF contributions set at $140,000 to be eligible for the Silver Support Scheme?

    An eligibility criterion of $140,000 set for the Silver Support Scheme would include seniors who were earning lower wages through their working lives, and those who did not work due to reasons such as care-giving responsibilities and medical conditions.

  4. How can I check how much total CPF contributions I have at age 55 for assessing my eligibility for the Silver Support Scheme?

    Only Singaporean seniors aged 65 and above can be assessed for eligibility for the Silver Support (SS) Scheme.

    You may request to find out your total CPF contributions used for SS by contacting us at cpf.gov.sg/contact-us.

  5. I am a self-employed person. How will the Government assess my eligibility for the Silver Support Scheme?

    As it is not mandatory for self-employed persons to contribute to their Ordinary and Special Accounts, self-employed persons would naturally have made less CPF contributions than employees.

    For seniors who were self-employed in their working years, we will consider their average annual net trade income, as determined by their annual income tax assessments, in addition to the total CPF contributions they made by the age of 55.

    To qualify for the Silver Support Scheme, their average annual net trade income must not be more than $27,600 between the ages of 45 and 54.

  6. What is net trade income (NTI)?

    Net trade income is your gross trade income minus all allowable business expenses, capital allowances and trade losses as determined by the Inland Revenue Authority of Singapore (IRAS).

  1. Why is household monthly income per person used as an indication of my household support for the Silver Support Scheme?

    The Silver Support (SS) Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    To automatically identify seniors who are eligible for SS, the Government has to rely on available data as broad indicators of an individual’s ability to save for retirement, access to resources and family support.

    We have relied on the household monthly income per person as a broad indicator of the level of family support available.

  2. Why is the threshold for household monthly income per person set at $1,800 to be eligible for the Silver Support Scheme?

    The Silver Support (SS) Scheme is meant for seniors who had low incomes during their working years and now have less in retirement.

    The threshold of $1,800 enables seniors who have little or no family support to benefit from SS.

  3. Who should be considered as a member of my household for the computation of my household income used for assessing my eligibility for the Silver Support Scheme?

    Only family members related by blood, marriage and/or legal adoption (e.g. spouse, parents, children, grandparents, grandchildren, siblings, uncles, aunts, cousins and in-laws) and who live at the same residence are considered members of your household for the computation of your household income used for assessing your eligibility for the Silver Support (SS) Scheme.

    Domestic helpers, unrelated tenants, godparents and friends living at the same address are not considered members of your household. Family members not living at your address are not considered members of your household.

    If there are recent household changes that you want us to take into account to reassess your SS eligibility, please approach CPF Board, which will advise on the supporting documents required from you.

  4. How will the household monthly income per person be determined for assessing one's eligibility for the Silver Support Scheme?

    In general, annual income from work from all household members will be used.

    For those who are salaried employees, their income will be based on either:

    1. the average monthly income over the last available 12-month period, including bonuses, as derived by the CPF Board; or
    2. the average monthly income from work (sum of net employment income and annual trade income before losses brought forward) assessed by the Inland Revenue Authority of Singapore (IRAS) for the latest available assessment year.

    For those who are self-employed, their income will be based on either:

    1. the average monthly income from work (sum of net employment income and annual trade income before losses brought forward) assessed by Inland Revenue Authority of Singapore (IRAS) for the latest available assessment year; or
    2. the income declared to the CPF Board within the last two years.

    If there are recent changes to your circumstances that you want us to take into consideration to reassess your Silver Support Scheme eligibility, please approach CPF Board, which will advise on the supporting documents required from you.

  1. Why does the Silver Support Scheme not include seniors who own 5-room or larger HDB flats?

    The type of home owned is an indicator of the senior’s resources. The bigger the home owned, the more likely that the person has more resources and access to additional retirement income.

    Seniors who are able to own a 5-room flat are more likely to have more resources, and less likely to require assistance through the Silver Support (SS) Scheme.

    There are other schemes to help seniors cope with daily expenses, finance their healthcare needs and increase their retirement savings. Even if you do not qualify for the SS, you can still benefit from many of these schemes.

    Those who need additional support can turn to other forms of assistance such as ComCare and MediFund. They may wish to approach a nearby Social Service Office for assistance.

  1. How will I receive my Silver Support?

    Eligible seniors will receive their Silver Support (SS) in their PayNow bank account linked to their NRIC number, if they have one. Otherwise, their SS will be credited to their bank account which they have registered with the CPF Board to receive Government payments (e.g. GST Voucher, Workfare).

    Eligible seniors without a bank account registered with the CPF Board are encouraged to register one with the CPF Board by logging on to the e-service in the SS Scheme website (silversupport.gov.sg) with their Singpass. They will be able to update their payment mode and bank details. Eligible seniors are also encouraged to link their NRIC number to their PayNow bank account to receive their SS earlier.

    Eligible seniors without a PayNow-NRIC linked bank account or bank account registered with CPF Board will receive their SS via GovCash*.

    *GovCash will replace cheques from December 2022 onwards.

  2. How can I change my bank details for Silver Support?

    All seniors can log on to the e-service in the Silver Support (SS) Scheme website (silversupport.gov.sg) with their Singpass. They will be able to update their payment mode and bank details.

    For those who are eligible and have updated their payout details, the instruction will only take effect from the next quarter of SS, if they continue to be eligible.

  3. What is PayNow?

    PayNow is a secure funds transfer service that allows recipients to receive monies in their participating bank account which is linked to their NRIC. The 10 participating PayNow banks in Singapore are as follows (with the corresponding bank code):

    Bank Code Bank
    BOC Bank of China Limited
    CIMB CIMB Bank Berhad
    CITI Citibank Singapore Limited/ Citibank
    DBS DBS Bank Limited
    HSBC HSBC Bank (Singapore) Limited/ The Hongkong & Shanghai Banking Corporation Ltd
    ICBC Industrial and Commercial Bank of China Limited
    MBB Maybank Singapore Limited/ Malayan Banking Berhad
    OCBC Oversea-Chinese Banking Corporation Limited
    SCB Standard Chartered Bank (Singapore) Limited
    UOB United Overseas Bank Limited

    With PayNow, the recipients’ bank account will be kept private.

  4. How do I link my NRIC to PayNow?

    You may follow these steps:

    1. Choose your preferred bank account to be linked to your NRIC
    2. Login to your Internal banking or mobile banking app
    3. Register for PayNow-NRIC

    You may also refer to your respective bank's website for specific details on how to link your NRIC to PayNow. If you do not have internet or mobile banking, you can contact your bank directly to register for PayNow-NRIC.

  5. My mobile number is already registered to my bank account on PayNow. Can the Government credit my Silver Support payments to me via PayNow-Mobile instead of via PayNow-NRIC?

    We can only credit your Silver Support payments to you via your PayNow NRIC-linked bank account. NRIC is issued by the Government and does not change, compared to mobile numbers which may be easily changed. Using PayNow-NRIC ensures that the payments are credited into the correct bank account.

    Eligible seniors who have linked their NRIC to their bank account will receive the payment in this bank account.

  6. What is GovCash?

    GovCash is a quicker and more convenient way for recipients to receive their payments from Government agencies. Recipients can withdraw their GovCash monies from over 500 OCBC ATMs located across Singapore.

    GovCash has adopted the Singpass facial verification technology to authenticate users, including a liveness-detection capability that blocks the use of photographs, videos or masks during the verification process. Recipients do not need to have an OCBC bank account to use the GovCash service. In addition, GovCash allows recipients to use the scan-and-pay function and PayNow transfer option through the LifeSG mobile app.

    For more information on GovCash, you may visit cpf.gov.sg/GovCash.

  7. How can I withdraw my monies via GovCash?

    You can withdraw your monies in cash at OCBC ATMs with your 8-digit Payment Reference Number (PRN), which will be sent to you by SMS or by post. You do not need to have a OCBC bank account to use this service.

    You can also:

    1. Transfer your monies to your PayNow NRIC-linked bank account
    2. Use them to make payments at any merchants
    3. Transfer monies to your friends by scanning their PayNow QR code using the LifeSG mobile app.

    You can download the LifeSG mobile app from the Apple App Store or Google Play Store.

    You may refer to the step-by-step guide for detailed instructions on how you can utilise your GovCash monies.

  8. How can I help a beneficiary who is bedridden/physically immobile or of unsound mind to withdraw GovCash monies for Silver Support?

    If you are the appointed proxy of the incapacitated beneficiary and wish to help with the withdrawal of the GovCash monies, please visit any OCBC – New ATM with the following documents:

    Proxy, who is the court-appointed Deputy

    1. Court Order; and
    2. A photocopy of the beneficiary's NRIC; and
    3. Proxy’s original NRIC

    Proxy, who is the family member/ Next-Of-Kin/caretaker, aged 21 years and above, or the Donee appointed under the Lasting Power of Attorney

    1. Original documentary evidence stating the beneficiary's medical condition (e.g. doctor's memorandum, medical report or court order). The date of the document(s) should not be more than 1 year from the withdrawal date, unless it specifically states that the patient's condition is permanent; and
    2. A photocopy of the beneficiary's NRIC; and
    3. Proxy’s original NRIC

    You will be required to sign a Letter of Indemnity at the bank, witnessed by the bank officer.

    To locate an OCBC – New ATM near you, you can visit the OCBC ATM locator website.

  9. Can Silver Support be paid on a monthly basis instead of a quarterly basis?

    Silver Support (SS) payments are made ahead of the quarter, as shown below:

    Payment Date For Period
    31 December of the preceding year January – March
    31 March April – June
    30 June July – September
    30 September October – December

    Paying ahead in 3-month tranches gives the recipients greater flexibility to manage their expenses. Monthly payments will reduce such flexibility.

  10. Can I appeal for the Silver Support Scheme?

    There will be some seniors on the margins who do not qualify automatically, but may still be deserving of Silver Support (SS). These seniors can approach CPF Board for a review of their case.

    Even if you do not qualify for SS, there are other schemes in place to help you, if you are in need of assistance.

    You may qualify for SS in future years if your circumstances warrant additional retirement support.