askST Jobs: My CPF contributions are missing or late. What should I do?

Employees should first verify whether their CPF contributions have been credited by checking their CPF statements through CPF online services.

ST ILLUSTRATION: MANNY FRANCISCO

Published Sep 28, 2026, 05:00 AM

Updated Sep 28, 2026, 05:00 AM

In this series, business correspondent Timothy Goh offers practical answers to candid questions on navigating workplace challenges and getting ahead in your career. Get more tips by signing up to The Straits Times’ Headstart newsletter .

What recourse do employees have if their CPF contributions are late or unpaid?

Employees should first verify whether their CPF contributions have been credited by checking their CPF statements through CPF online services, said Amarjit Kaur, head of employment law at Withers KhattarWong.

If contributions are missing or have been paid late, employees should raise the issue directly with their employer and seek clarification on when payment will be made.

“The CPF Board expressly recognises employees’ right to ask their employers about non-payment or late payment of CPF contributions,” said Kaur.

Employees should first try to resolve the issue amicably with their employer.

However, where there are concerns about persistent non-payment or underpayment, e mployees can lodge a report with the CPF Board.

The board may investigate allegations of late payment, non-payment or underpayment of CPF contributions, Kaur said.

“In terms of recourse, the CPF Board has significant enforcement powers under the Central Provident Fund Act 1953,” she added.

It may require employers to pay all outstanding CPF contributions together with late payment interest and other penalties.

Late payment interest may be charged at 1.5 per cent a month from the day after the due date, subject to a minimum of $5.

A composition amount of up to $1,000 per offence may also be imposed to allow employers to settle their CPF offences out of court.

Employers can compound their offences only after paying all outstanding CPF contributions and late payment interest, Kaur said.

The CPF Board may also conduct inspections, require documents to be produced, interview employees and employers, and start prosecution proceedings against non-compliant employers.

“If an employer fails to comply, the CPF Board may take court action to recover the outstanding amounts, and the employer may face fines, imprisonment, or both,” said Kaur.

Because the CPF Board takes the lead in enforcing compliance and recovering unpaid contributions, Kaur advised employees to retain records such as payslips, employment contracts, salary payment records and correspondence with their employer as these may assist the CPF Board in its investigations.

“While delayed CPF contributions can have practical consequences for employees, particularly where CPF savings are required for housing or healthcare purposes, the regulatory framework is designed to ensure that employers remain responsible for making the required contributions, and enforcement action can be taken where the employers fail to do so,” said Kaur.

Shirley Loo, director of industrial relations and analysis at the National Trades Union Congress, said that w here there is an ongoing employment dispute involving matters such as salary arrears, wrongful dismissal claims or related CPF contributions, employees should first approach the Tripartite Alliance for Dispute Management to resolve claims related to their salary.

“Once the claim has been concluded and a settlement agreement has been reached, the CPF Board will assess and compute the CPF contributions based on the wages determined to be due and payable under the settlement,” she said.

Timothy Goh is a business correspondent at The Straits Times. He covers commodities and currencies, with occasional forays into listed companies.

员工应首先通过公积金网上服务查看公积金对账单，以确认其公积金缴款是否已到账。

插图：曼尼·弗朗西斯科

发布于 2026 年 9 月 28 日上午 5:00

更新于2026年9月28日上午5:00

在本系列文章中，商业记者Timothy Goh将就如何应对职场挑战和如何在职业生涯中取得成功等坦诚问题，提供切实可行的解答。订阅《海峡时报》的“Headstart”新闻简报，获取更多实用技巧。

如果员工的公积金缴款逾期或未缴纳，他们有哪些补救措施？

Withers KhattarWong 律师事务所就业法律主管 Amarjit Kaur 表示，员工应首先通过 CPF 在线服务查看 CPF 对账单，以确认其 CPF 缴款是否已到账。

如果缴款缺失或延迟缴纳，员工应直接向雇主提出该问题，并询问何时缴纳。

考尔表示：“中央公积金局明确承认雇员有权询问雇主有关未缴纳或延迟缴纳公积金缴款的情况。”

员工应首先尝试与雇主友好协商解决问题。

但是，如果员工对持续不支付或少支付公积金的情况感到担忧，可以向中央公积金局提出申诉。

考尔表示，董事会可能会调查有关公积金缴款延迟支付、未支付或少支付的指控。

她补充说：“就追索权而言，根据 1953 年中央公积金法令，中央公积金局拥有相当大的执法权力。”

这可能要求雇主支付所有未缴的公积金缴款，以及滞纳金利息和其他罚款。

逾期付款利息将从到期日次日起按每月 1.5% 收取，最低收取 5 美元。

对于每项违规行为，还可以处以最高 1000 美元的罚款，允许雇主在庭外解决其公积金违规行为。

考尔表示，雇主只有在缴清所有未缴的公积金缴款和滞纳金利息后，才能对其违规行为进行处罚。

中央公积金局还可以进行检查，要求提供文件，约谈雇员和雇主，并对不合规的雇主提起诉讼。

考尔表示：“如果雇主不遵守规定，公积金局可能会采取法律行动追讨欠款，雇主可能面临罚款、监禁或两者并罚。”

由于中央公积金局负责强制执行缴款和追回未缴款项，考尔建议员工保留工资单、雇佣合同、工资支付记录以及与雇主的往来信函等记录，因为这些记录可能有助于中央公积金局进行调查。

考尔表示：“虽然延迟缴纳公积金可能会对雇员造成实际后果，尤其是在公积金储蓄需要用于住房或医疗保健的情况下，但监管框架旨在确保雇主仍然有责任缴纳所需的款项，如果雇主未能履行这一责任，则可以采取强制措施。”

全国职工总会劳资关系与分析主任 Shirley Loo 表示，如果存在涉及工资拖欠、不当解雇索赔或相关公积金缴款等事项的持续雇佣纠纷，员工应首先联系三方纠纷管理联盟来解决与工资相关的索赔。

“一旦索赔程序结束并达成和解协议，公积金局将根据和解协议中确定的应付工资来评估和计算公积金缴款额，”她说。

Timothy Goh是《海峡时报》的商业记者，主要报道大宗商品和货币，偶尔也关注上市公司。