Pillar 6
Workfare, Silver Support & Government Assistance
Workfare, Silver Support, education schemes, and other government assistance. Safety nets that many eligible Singaporeans do not claim.
A government scheme that supplements income and CPF for lower-wage Singaporean workers. It encourages continued employment.
Maximum annual WIS for employees (Work Year 2025 onwards). Persons with disabilities receive the same maximum as those aged 60 and above.
| Age | Max/Year | Cash | CPF |
|---|---|---|---|
| 30 to 34 | S$2,450 | 40% | 60% |
| 35 to 44 | S$3,500 | 40% | 60% |
| 45 to 59 | S$4,200 | 40% | 60% |
| 60 and above | S$4,900 | 40% | 60% |
Self-employed persons and platform workers receive lower maximum amounts. Payouts are automatic for eligible workers; no application needed.
Quarterly cash supplements for lower-income seniors who had limited income during their working years.
Enhanced amounts from 2025. Payout depends on HDB flat type and monthly per capita household income.
| HDB Flat Type | Income ≤ S$1,500 | S$1,501–S$2,300 |
|---|---|---|
| 1- or 2-room | S$1,080 | S$540 |
| 3-room | S$860 | S$430 |
| 4-room | S$650 | S$325 |
| 5-room (live in, not owned) | S$430 | S$215 |
ComCare Long-Term Assistance recipients receive S$430/quarter regardless of flat type. Automatic enrollment for eligible seniors; paid quarterly.
Silver Support eligibility is assessed based on lifetime wage history and CPF contributions, not just current income. A senior living in a 3-room flat with low lifetime CPF can qualify even if adult children are supporting them.
CPF members can use their OA savings for their own or family members' education at approved institutions.
Using CPF for education reduces retirement savings and incurs 2.5% accrued interest. For many families, education loans or savings may be a better option than depleting CPF. Always calculate the long-term retirement impact first.
Safety net for Singaporeans who cannot afford subsidized medical bills even after MediShield Life and MediSave.
Short to medium-term assistance for low-income families covering daily needs, healthcare, and housing.
S$500 credit for all Singaporeans 25+ to take approved courses. Does not expire.
Many Singaporeans leave benefits unclaimed. We can help you identify all the schemes you may be eligible for.
Common Belief
"Social support is only for low-income families"
Planning Reality
Many middle-income families qualify for schemes like Workfare (income ≤S$3,000/month from Work Year 2025), SkillsFuture credits (all Singaporeans 25+), and CPF Education Scheme. Silver Support helps seniors with low lifetime earnings and per capita household income up to S$2,300. Understanding eligibility can unlock thousands in unclaimed benefits.
Common Belief
"I don't need to know about these schemes"
Planning Reality
Even if you don't qualify now, you may in the future due to job loss, health issues, or retirement. Understanding these schemes helps you plan for contingencies and support family members who may qualify. Many eligible Singaporeans leave benefits unclaimed simply because they don't know they exist.