Singapore Workers: Singaporean workers, especially those in lower-wage or gig economy jobs, have a big reason to celebrate. Starting in Work Year 2025, eligible individuals could receive up to $3,267 annually through the enhanced Workfare Income Supplement (WIS) scheme. This significant initiative by the Singapore government aims to bolster support for workers who often fall through the cracks when it comes to retirement savings and medical security.
If you’ve ever wondered whether you qualify, how you can maximize your benefits, or what this means for your career and financial health, you’re in the right place. This comprehensive guide dives deep into the nuts and bolts of the WIS. From eligibility rules and payment mechanisms to real-life examples and frequently asked questions, you’ll walk away with all the information you need to take action.
Singapore Workers
| Topic | Details |
|---|---|
| Annual Supplement Amount | Up to $3,267 per year |
| Cash vs MediSave Breakdown | 10% Cash, 90% MediSave |
| Eligible Work Types | Self-employed persons, platform workers, part-time low-income employees |
| Minimum Age Requirement | 30 years old by 31 December of the Work Year (WY) |
| Income Threshold | Net Trade Income (NTI) of $30,000 or less annually |
| Property Ownership Limit | Own no more than one property |
| Annual Value of Home | Must be $21,000 or less |
| Official Website | Visit CPF WIS Page |
Singapore’s Workfare Income Supplement (WIS) is more than a government benefit—it’s a vote of confidence in your hard work. Whether you’re a gig worker, freelancer, self-employed artisan, or part-time helper, this scheme gives you both financial support today and security for tomorrow.
With up to $3,267 available each year, this is a substantial opportunity you can’t afford to ignore. Be proactive: declare your income, make your MediSave contributions, and check your eligibility. You’ve earned it.
What Is the Workfare Income Supplement (WIS)?
The Workfare Income Supplement (WIS) is a key pillar of Singapore’s strategy to uplift lower-wage workers. Launched in 2007, this scheme encourages and rewards work by topping up wages and boosting CPF savings for those in need. It’s especially vital in today’s gig economy, where many are self-employed or working in flexible arrangements without the same safety nets as full-time employees.
According to the Ministry of Manpower (MOM), more than 460,000 workers received Workfare benefits in 2023. This underscores the program’s wide reach and critical importance. With enhanced payouts and adjusted eligibility starting from Work Year 2025, the government aims to reach more people and provide more substantial support.
Who Is Eligible for the $3,267 Workfare Supplement?
Eligibility isn’t a one-size-fits-all. Several criteria must be met, ranging from age and income to property ownership. Here’s what you need to know:
General Eligibility Criteria:
- Must be a Singapore Citizen
- Aged 30 and above by 31 December of the work year
- Must have worked at least 2 months during the year
Income Requirements:
- Employees: Gross monthly income should not exceed $2,500
- Self-employed persons: Annual Net Trade Income (NTI) must be $30,000 or less
Additional Conditions:
- Must make MediSave contributions regularly
- Cannot own more than one property
- Property’s Annual Value (AV) must be $21,000 or lower
- If you’re married, your spouse’s assessable income must not exceed $70,000
Example:
Ali is a 35-year-old food delivery rider. He earns about $2,000 per month, lives in a 3-room HDB flat, and contributes to his MediSave account every month. Based on his income and living situation, he qualifies for the full WIS payout of $3,267 for 2025.
How Are the WIS Payments Made?
The WIS payments serve a dual purpose: giving immediate financial relief while also building long-term savings. Here’s how it works:
Payment Breakdown:
- 10% of your WIS entitlement is paid out in cash (through GovCash)
- 90% is credited directly into your CPF MediSave Account
Payments are made monthly to help with budgeting and healthcare savings. If you’re an employee, your CPF contributions by your employer will automatically trigger the assessment. If you’re self-employed, you’ll need to be proactive by declaring your income and contributing to MediSave on your own.
How to Claiming WIS (For Self-Employed Workers)
Being self-employed means you have to take a few extra steps, but it’s still very manageable. Here’s how to do it:
1. Declare Your Income
Head over to IRAS and submit your Net Trade Income (NTI) for the year.
2. Make Your MediSave Contributions
Use the amount provided by the IRAS Notice of Assessment to contribute to your MediSave account. This is mandatory to qualify for WIS.
3. Let CPF Do the Rest
The CPF Board will automatically review your eligibility based on your income declaration and MediSave payments.
4. Receive Your Payments
You’ll get your monthly cash payout via GovCash, and the MediSave portion will be credited to your CPF account.
Pro Tip:
Want to know how much you might get? Use the CPF Workfare Calculator to estimate your WIS entitlement for the year.
Why the WIS Scheme Is a Game-Changer
Let’s be clear: WIS is not just a “bonus.” It’s a meaningful way to level the playing field for workers who may not have access to employer CPF contributions or stable salaries. It helps you:
- Save more for retirement and medical needs
- Receive monthly cash top-ups for daily expenses
- Feel valued and recognized for your contributions to society
Many delivery drivers, freelancers, cleaners, and hawkers work tirelessly but fall outside traditional support structures. WIS bridges that gap and brings peace of mind.
By encouraging consistent MediSave contributions, it also fosters a habit of long-term financial planning, which is essential in today’s uncertain economic climate.
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FAQs About Singapore Workers
1. Do I have to apply for WIS?
If you’re employed, there’s no need to apply. Your employer’s CPF contributions will prompt the CPF Board to assess your eligibility. If you’re self-employed, you must declare your income and contribute to MediSave.
2. I do part-time work. Am I still eligible?
Yes! As long as you work at least 2 months in the calendar year and meet the income and property conditions, you’re eligible.
3. Can I receive WIS if I have a side hustle?
Absolutely. Just make sure your total income from all sources meets the thresholds, and that you declare all earnings truthfully.
4. How do I receive the cash portion of WIS?
The 10% cash payout will be sent via GovCash, which can be collected through ATMs or PayNow-NRIC if you’ve linked your account.
5. What happens if I forget to contribute to MediSave?
Unfortunately, you won’t be eligible for WIS unless your MediSave is up to date. Try to contribute as early as possible to avoid missing out.
6. How can I check the status of my WIS payments?
You can log into your CPF account and check under Transaction History, or call 1800-222-2888 for assistance.
