Singapore Armed Forces (Premium Plan) Regulations

where the member has completed at least 10 years of reckonable service —

all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account; or

a sum equal to the annual compensation salary,whichever is the greater; or

where the member has not completed 10 years of reckonable service —

a sum equal to such proportion of the Premium salary for each complete month of service as the Armed Forces Council may determine and all moneys standing to the credit of the member in his CPF Top-Up Account; or

a sum equal to the annual compensation salary,whichever is the greater.

a sum equal to such proportion of the Premium salary as the Armed Forces Council may determine and all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account, if any; or

a sum equal to the annual compensation salary,whichever is the greater.

all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account;

a sum equal to the member’s accrued pension payable to the member under the Singapore Armed Forces (Pensions) Regulations (Rg 9) had he remained on the pensionable service; or

a sum equal to the annual compensation salary,whichever is the greatest.

[Deleted by S 163/2008 wef 01/04/2008](b)the amount specified by the Armed Forces Council by General Order; and

one of the following, whichever is the greatest:

where the member, being enlisted for regular service before 1st April 2010, has completed at least 10 years of reckonable service as at the date of his death, all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account;

where the member, being enlisted for regular service before 1st April 2010, has not completed 10 years of reckonable service as at the date of his death, a sum equal to such proportion of the Premium salary for each complete month of service as the Armed Forces Council may determine and all moneys standing to the credit of the member in his CPF Top-Up Account; (iii)where the member is enlisted for regular service on or after 1st April 2010, a sum equal to such proportion of the Premium salary as the Armed Forces Council may determine and all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account, if any;

where the member was in the pensionable service in the Government immediately prior to his conversion to the Premium Plan on 31st March 2000 —

all moneys standing to the credit of the member in his CARE Account and CPF Top-Up Account; or

a sum equal to the member’s accrued pension payable to the member under the Singapore Armed Forces (Pensions) Regulations (Rg 9) had he remained on the pensionable service; or

12 months of the compensation salary of the member at the date of his death.

existed in him before service; or

had arisen during but which was not attributable to service,and the death occurred within 7 years of the aggravation of such medical condition, the amount of compensation payable to his dependants or personal representatives, as the case may be, may be equal to 50% of the compensation payable under paragraph (1)(b), and 50% of any award payable under paragraph (2) or (3), had his death occurred as a result of an injury received in and which is attributable to service.

the person has not attained the age of 21 years;

the person is, in the opinion of the Armed Forces Council, incapable of managing his own affairs by reason of mental infirmity; or

in any other case, the Armed Forces Council considers that it is in the interest of such person that it should be so administered.

applied for the benefit of the person to or in respect of whom it has been granted or made;

paid to any person whom the Armed Forces Council considers a fit and appropriate person so to apply the same and any moneys so paid shall be regarded as applied for the benefit of the person to or in respect of whom it has been granted or made.

to call for any document relating to the appellant’s service from an Officer-in-charge of Records;

to order the appellant to undergo a medical examination by a medical officer to be appointed by the Tribunal in any particular case; and

to certify to an Officer-in-charge of Records any reasonable travelling and other expenses which may have been incurred by any person in appearing before the Tribunal or before any medical officer appointed to make a medical examination of such person under this regulation.

to call for any document relating to the appellant’s service from an Officer-in-charge of Records or to order the appellant to undergo a medical examination by a medical officer to be appointed by the Compensation Board in any particular case; and

to certify to an Officer-in-charge of Records any reasonable travelling and other expenses which may have been incurred by any person in appearing before the Compensation Board or before any medical officer appointed to make a medical examination of such person under this regulation.

paid to the personal representatives of the deceased person without probate or other proof of title; or

paid or distributed to or among the persons appearing to the Board to be the persons beneficially entitled to the personal estate of the deceased person, or any of them.

in accordance with the conditions imposed by the proper authority; and

by a date before 1 January 2026 that is specified by the proper authority.

Part IVA to apply to the member instead of Part IV; or

Part IV to continue to apply to the member,with effect from 1 January 2026.

takes effect on 1 January 2026, but only if the member is still a member on that date; and

is irrevocable.

any period of service forfeited by sentence of a subordinate military court or Superior Commander or as a result of a decision of the Military Court of Appeal or a review of the Armed Forces Council, other than service forfeited for the purposes of promotion, in accordance with the provisions of the Act or any other written law for the time being in force;

the whole period of absence without leave;

the whole period of desertion;

the whole period of detention or special detention or imprisonment while undergoing a sentence awarded by a subordinate military court or the Military Court of Appeal or disciplinary officer;

the whole period of imprisonment or detention as a result of his conviction on a charge by a civil court;

the whole period of remand, custody, confinement, detention, open arrest or close arrest or suspension from duty while waiting for trial by the civil authority or military authority on a charge of which the member is subsequently convicted if during the period he has received no pay;

the whole period in which pay is forfeited;

the whole period of leave of absence without pay granted to a member, except for the following periods:

the whole period of no pay maternity leave;

the whole period of unpaid infant care leave as the Armed Forces Council may determine in a General Order;

the whole period of unpaid leave for unexpected care needs as the Armed Forces Council may determine in a General Order;

the whole period of study leave sponsored by the Government.

in the case of the CPF Top-Up Account, a monthly sum equal to the difference between —

the amount of contributions paid by the Government under the Central Provident Fund Act 1953 in respect of the member on his gross salary; and

the amount of contributions payable by an employer other than the Government under the Central Provident Fund Act 1953 on ordinary wages equal to that gross salary,subject to the maximum amount of contributions permissible under that Act;

in the case of the CARE Account of a member enlisted for regular service before 1st April 2010 who completed not less than 10 years of reckonable service as at that date, upon that member having completed not less than 10 years of reckonable service —

a CARE Initial Quantum at such rate as the Armed Forces Council may, by General Order, determine; (ii)a monthly contribution at the prescribed rate of the member’s Premium salary; and

if the member is a naval diver who receives the first contribution to his CARE Account on or after 1 January 2007, or opts on or after 1 January 2007 to have his CARE Account vest according to the vesting scale in paragraph 3 of the First Schedule, an ND-CARE benefit up to the age of 45 years at such rate and under such conditions as the Armed Forces Council may, by General Order, determine;

a CARE Initial Quantum at such rate and under such conditions as the Armed Forces Council may, by General Order, determine;

a monthly contribution at the prescribed rate of the member’s Premium salary;

if the member is a naval diver who receives the first contribution to his CARE Account on or after 1 January 2007, or opts on or after 1 January 2007 to have his CARE Account vest according to the vesting scale in paragraph 3 of the First Schedule, an ND-CARE benefit up to the age of 45 years at such rate and under such conditions as the Armed Forces Council may, by General Order, determine; and

if the member is a soldier in a combat vocation, a sum equivalent to 2 months of his gross salary upon that member having completed not less than 12 years of reckonable service;

in the case of the CARE Account of a member enlisted for regular service between 1 April 2010 and 31 December 2025 (both dates inclusive), upon that member attaining the rank of Warrant Officer —

a monthly contribution at the prescribed rate of the member’s Premium salary; (ii)if the member is a naval diver, an ND-CARE benefit up to the age of 45 years at such rate and under such conditions as the Armed Forces Council may, by General Order, determine; and

if the member attains the rank of Warrant Officer before the completion of 12 years of reckonable service, a contribution of a retention bonus at such rate and under such conditions as the Armed Forces Council may, by General Order, determine;

any period of service forfeited by sentence of a subordinate military court or Superior Commander or as a result of a decision of the Military Court of Appeal or a review of the Armed Forces Council, other than service forfeited for the purposes of promotion, in accordance with the provisions of the Act or any other written law for the time being in force;

the whole period of absence without leave;

the whole period of desertion;

the whole period of detention or special detention or imprisonment while undergoing a sentence awarded by a subordinate military court or the Military Court of Appeal or disciplinary officer;

the whole period of imprisonment or detention as a result of his conviction on a charge by a civil court;

the whole period of remand, custody, confinement, detention, open arrest or close arrest or suspension from duty while waiting for trial by the civil authority or military authority on a charge of which the member is subsequently convicted if during the period he has received no pay;

the whole period in which pay is forfeited; or

the whole period of leave of absence without any pay granted to a member, except for the following periods:

the whole period of no pay maternity leave;

the whole period of unpaid infant care leave as the Armed Forces Council may determine in a General Order;

the whole period of unpaid leave for unexpected care needs as the Armed Forces Council may determine in a General Order.

during the relevant period, the aggregate of the Government’s contributions and the monthly sums that have been paid to the member’s account in the Central Provident Fund under paragraph (1) and (if applicable) regulation 13A(1) of the Singapore Armed Forces (SAVER Plan) Regulations (Rg 19) is —

$20,000 or more in the ordinary account maintained for the member under the Central Provident Fund Act 1953; and

$40,000 or more in the aggregate in both the medisave account and special account maintained for the member under the Central Provident Fund Act 1953; (b)the member has exercised an option for the monthly sum to be credited to his CPF Top-Up Account under regulation 12(1)(a) and the option has taken effect.

may be exercised by a member as long as either or both of the limits in paragraph (2)(a) are not reached in respect of the member;

when exercised, is irrevocable; and

takes effect starting the month immediately following the month in which the option is processed.

retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;

resigns from the Singapore Armed Forces; or

dies in regular service.

retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;

resigns from the Singapore Armed Forces;

dies in regular service; or

is discharged or dismissed, or has his service with the Singapore Armed Forces terminated, in any of the circumstances specified in regulation 17,all his accounts in the SAVER-Premium Fund shall be closed with effect from the date of his retirement, resignation, death, discharge or dismissal, as the case may be, and all contributions to his accounts shall cease forthwith.

to the member’s CARE Account —

for a member mentioned in regulation 12(1)(ba) or (c) who has not attained the rank of Warrant Officer immediately before he becomes an officer cadet, an amount out of the moneys held in the member’s Retirement Account or SAVER Account (as the case may be) under the Singapore Armed Forces (SAVER Plan) Regulations (Rg 19) that is equivalent to —

the amount transferred from his CARE Account to his Retirement Account under regulation 15A(1)(b) of the Singapore Armed Forces (SAVER Plan) Regulations or to his SAVER Account under regulation 17AE(1)(b) of those Regulations; and

any dividend declared by the Board in respect of such transferred amount mentioned in sub-paragraph (A) during his service as an officer cadet; and

for a member mentioned in regulation 12(1)(ba) or (c) who has attained the rank of Warrant Officer immediately before he becomes an officer cadet, or a member mentioned in regulation 12(1)(b) —

the amount mentioned in sub-paragraph (i)(A) and (B);

an amount out of the moneys held in his Retirement Account or SAVER Account (as the case may be) under the Singapore Armed Forces (SAVER Plan) Regulations, that is credited to his Retirement Account or SAVER Account (as the case may be) under regulation 13(1)(b) or 17AA(1)(a) and (b) of those Regulations in respect of the period that he is an officer cadet; and

any dividends declared by the Board in respect of such credited amount referred to in sub-paragraph (B) during his service as an officer cadet;

to the member’s CPF Top-Up Account — such moneys held in the member’s CPF Top-Up Account under the Singapore Armed Forces (SAVER Plan) Regulations.

the entire sum standing to his credit in his CARE Account at the date of his retirement; or

one month’s last drawn salary, excluding any bonus or allowance, for each year of his reckonable service and a proportionate sum thereof for any complete month, capped at 25 years,subject to such conditions as the Armed Forces Council may, by General Order, impose.

the entire sum standing to his credit in his CARE Account at the age of 45 years, including the ND-CARE benefit; or

the entire sum standing to his credit in his CARE Account at the date of his retirement or resignation, excluding the ND-CARE benefit received by him,whichever is the higher, subject to such conditions as the Armed Forces Council may, by General Order, impose.

receives his first contribution to his CARE Account on or after 1 January 2007; and

retires or is required to retire, or resigns, from the Singapore Armed Forces above the age of 45 years,the higher of the following sums vests in, and may be awarded to, the naval diver:

the entire sum standing to his credit in his CARE Account at the age of 45 years, including the ND-CARE benefit;

the sum standing to his credit in his CARE Account according to the vesting scale in paragraph 1, 2 or 4 of the First Schedule at the date of his retirement or resignation, excluding the ND-CARE benefit received by him,subject to such conditions as the Armed Forces Council may, by General Order, impose.

where a Category A member retires from the Singapore Armed Forces on the ground specified in regulation 11(b) or (d), the sum vested in the member under paragraph (1), (1B) or (1C) may be reduced to the extent determined by the Armed Forces Council;

where a Category A member who has converted to the Premium Plan on 31st March 2000 retires from the Singapore Armed Forces on the ground specified in regulation 11(c), the sum vested in the member under paragraph (1), (1B) or (1C) may be increased to the extent determined by the Armed Forces Council; and

where a Category A member retires from the Singapore Armed Forces on the ground specified in regulation 11(e), (g) or (h), the sum vested in the member under paragraph (1), (1B) or (1C) may be increased to the extent determined by the Armed Forces Council.

in the case of a Category A member who enlisted for regular service before 1 April 2010, no sum in the member’s CARE Account vests in the member unless the member has completed not less than 15 complete years of reckonable service; and

a reference to the anniversary of a Category A member’s birthday is a reference to the day on which the anniversary occurs; and

a Category A member who is born on 29 February is deemed to attain the age mentioned in this regulation or the First Schedule (as the case may be) in any year that is not a leap year on 28 February of the year in which the member attains that age.

if the Category B member has not attained the rank of Warrant Officer — a monthly contribution at 10% of the Category B member’s Premium salary;

if the Category B member has attained the rank of Warrant Officer, the following:

a monthly contribution at 15% of the Category B member’s Premium salary;

if the Category B member attained that rank on or before attaining 40 years of age — a retention bonus when he attains 40 years of age and 45 years of age, at the rate and under any conditions that the Armed Forces Council may determine in a General Order;

if the Category B member attained that rank after attaining 40 years of age but on or before attaining 45 years of age — a retention bonus when he attains 45 years of age, at the rate and under any conditions that the Armed Forces Council may determine in a General Order;

if the Category B member is a re-enlisted soldier — an additional contribution at the rate and under any conditions that the Armed Forces Council may determine in a General Order; (d)any dividend declared by the Board under paragraph (4);

if the Category B member is an opted Category B member and was, immediately before 1 January 2026, eligible to have the CARE Initial Quantum mentioned in regulation 12(1)(b)(i) or (ba)(i) or the sum mentioned in regulation 12(1)(ba)(iv), credited to his CARE Account — that CARE Initial Quantum or sum.

any period of service forfeited by sentence of a subordinate military court or Superior Commander or as a result of a decision of the Military Court of Appeal or a review of the Armed Forces Council, other than service forfeited for the purposes of promotion, in accordance with the provisions of the Act or any other written law for the time being in force;

the whole period of absence without leave;

the whole period of desertion;

the whole period of detention or special detention or imprisonment while undergoing a sentence awarded by a subordinate military court or the Military Court of Appeal or disciplinary officer;

the whole period of imprisonment or detention as a result of his conviction on a charge by a civil court;

the whole period of remand, custody, confinement, detention, open arrest or close arrest or suspension from duty while waiting for trial by the civil authority or military authority on a charge of which the Category B member is subsequently convicted if during the period he has received no pay;

the whole period in which the Category B member’s pay is forfeited; or

the whole period of leave of absence without any pay granted to the Category B member, except for the following periods:

the whole period of no pay maternity leave;

the whole period of unpaid infant care leave as the Armed Forces Council may determine in a General Order;

the whole period of unpaid leave for unexpected care needs as the Armed Forces Council may determine in a General Order.

a Category B member’s CARE Account;

if the Category B member is an opted Category B member — the member’s CPF Top-Up Account.

a reference to the anniversary of a Category B member’s birthday is a reference to the day on which the anniversary occurs; and

a Category B member who is born on 29 February is deemed to attain the age mentioned in paragraph (1) in any year that is not a leap year on 28 February of the year in which the member attains that age.

retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;

resigns from the Singapore Armed Forces; or

dies in regular service.

retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;

resigns from the Singapore Armed Forces;

dies in regular service; or

is discharged or dismissed, or has his service with the Singapore Armed Forces terminated, in any of the circumstances specified in regulation 18E.

all contributions to the Category B member’s accounts in the SAVER-Premium Fund must cease forthwith; and

all the Category B member’s accounts in the SAVER-Premium Fund must be closed.

the Board may cause interest at the rate determined by the Board to continue to be credited to the Category B member’s accounts in the SAVER-Premium Fund, until the moneys in those accounts are paid; and

that interest is to be in lieu of any dividend that may be declared payable to the Category B member’s accounts in the SAVER-Premium Fund for that financial year under regulation 18A(4).

in the case of an applicable Category B member of the Premium Plan — a reference to his CARE Account; and

in any other case — a reference to his CARE Account and CPF Top-Up Account.

all his accounts maintained under regulation 12(2) of the Singapore Armed Forces (SAVER-Premium Fund) Regulations in the SAVER-Premium Fund must be closed with effect from the commencement date of his officer cadet training; and

all contributions to those accounts must cease forthwith.

the Category B member’s SAVER Account; and

if the Category B member is an opted Category B member — the member’s CPF Top-Up Account,in accordance with the Singapore Armed Forces (SAVER Plan) Regulations.

to the Category B member’s CARE Account —

the amount transferred from his CARE Account to his SAVER Account under regulation 17AE(1)(b) of the Singapore Armed Forces (SAVER Plan) Regulations, and any dividend declared by the Board in respect of that amount during his service as an officer cadet; and (ii)an amount held in his SAVER Account under the Singapore Armed Forces (SAVER Plan) Regulations which corresponds to the amount that is credited to that Account under regulation 17AA(1)(a) and (b) of those Regulations in respect of the period that he is an officer cadet, and any dividend declared by the Board in respect of that amount during his service as an officer cadet;

to the Category B member’s CPF Top-Up Account — any moneys held in his CPF Top-Up Account under the Singapore Armed Forces (SAVER Plan) Regulations.

the entire sum standing to his credit in his CARE Account at the date of his retirement;

his specified salary for each full year of his reckonable service and a proportion of that specified salary based on the total remaining months of his reckonable service (if any), capped at 25 full years.

is an opted Category B member;

has attained 35 years of age before 1 January 2026; and

retires or resigns from the Singapore Armed Forces on or before attaining 45 years of age,the portion of moneys standing to the naval diver’s credit in his CARE Account that is specified in paragraph 2 of the Second Schedule in relation to his age at the date of his retirement or resignation (as the case may be) vests in the naval diver and may be awarded to him, subject to any conditions that the Armed Forces Council may, by General Order, impose.

is an opted Category B member;

has attained 35 years of age before 1 January 2026; and

retires or resigns from the Singapore Armed Forces after attaining the age of 45 years,the higher of the following sums vests in the naval diver and may be awarded to him, subject to any conditions that the Armed Forces Council may, by General Order, impose:

the entire sum standing to his credit in his CARE Account at the age of 45 years, including the ND-CARE benefit;

the sum standing to his credit in his CARE Account according to the vesting scale in paragraph 1 of the Second Schedule at the date of his retirement or resignation, excluding the ND-CARE benefit received by him.

where a Category B member retires from the Singapore Armed Forces on the ground specified in regulation 11(b) or (d), the sum vested in the Category B member under paragraph (1), (4) or (5) may be reduced to the extent determined by the Armed Forces Council;

where a Category B member who has converted to the Premium Plan on 31 March 2000 retires from the Singapore Armed Forces on the ground specified in regulation 11(c), the sum vested in the member under paragraph (1), (4) or (5) may be increased to the extent determined by the Armed Forces Council; or

where a Category B member retires from the Singapore Armed Forces on the ground specified in regulation 11(e), (g) or (h), the sum vested in the Category B member under paragraph (1), (4) or (5) may be increased to the extent determined by the Armed Forces Council.

a reference to the anniversary of a Category B member’s birthday is a reference to the day on which the anniversary occurs; and

a Category B member who is born on 29 February is deemed to attain the age mentioned in this regulation or the Second Schedule (as the case may be) in any year that is not a leap year on 28 February of the year in which the member attains that age.

the member; or

where the member lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 —

a deputy appointed or deemed to be appointed for the member by the court under that Act with power in relation to the member for the purposes of these Regulations, who makes an application for such withdrawal; or

a donee under a lasting power of attorney registered under that Act with power in relation to the member for the purposes of these Regulations, who makes an application for such withdrawal.

on the written instruction of that person, credit the amount authorised to be withdrawn to his bank account; or

open a savings account with a bank in the name of that person and credit the amount authorised to be withdrawn to the said bank account.

where the Armed Forces Council determines that the degree of his disability amounts to permanent total disability — an award of the amount specified by the Armed Forces Council by General Order; and

where as a result of the disability, he has retired on any of the grounds specified in regulation 11 or resigned from the Singapore Armed Forces — the award specified in paragraph (3).

in the case where the member enlisted for regular service before 1 April 2010 and has completed at least 10 years of reckonable service on the date of his retirement or resignation, the greater of the following:

all moneys standing to the credit of the member in his CARE Account and CPF Top‑Up Account at the date of his retirement or resignation from the Singapore Armed Forces;

12 months of the compensation salary of the member at the date of his retirement or resignation from the Singapore Armed Forces;

in the case where the member enlisted for regular service before 1 April 2010 and has not completed 10 years of reckonable service on the date of his retirement or resignation, the greater of the following:

the total of the following:

the proportion of the member’s Premium salary determined by the Armed Forces Council for each complete month of service;