With the expansion of the gig economy, workers engaged through digital platforms, such as ride-sharing and freelancing apps, have become an integral part of the workforce. In Singapore, over 200,000 platform workers are driving growth across various industries. Despite their pivotal role, these workers often face challenges such as irregular income, limited access to employee benefits, and a lack of Central Provident Fund (CPF) contributions.
To address these issues, the Singapore government has introduced significant reforms, including the revamped Workfare Income Supplement (WIS) program, to improve financial stability for platform workers. Starting in 2025, WIS payments will transition to monthly disbursements instead of annual payouts, accompanied by mandatory CPF contributions managed by platform operators.
Who Are Platform Workers?
A platform worker is someone who provides services or completes tasks through digital platforms, such as ride-hailing, food delivery, or freelance marketplaces. Unlike traditional employees, platform workers operate on a contractual basis and are not formally employed by the platforms they work with.
Major Changes to Workfare Income Supplement (WIS) for Platform Workers (2025)
Monthly Payments for Better Financial Security
Beginning in 2025, platform workers eligible for WIS will receive payments monthly, offering more consistent financial support compared to the previous annual disbursement model.
Introduction of CPF Contributions
Platform operators will be required to deduct CPF contributions on a monthly basis, aligning platform workers’ contributions with those of traditional employees. By 2029, platform workers who contribute more to CPF voluntarily or mandatorily will receive the same WIS benefits as regular employees.
Eligibility Criteria for WIS
To qualify for WIS, platform workers must meet several requirements related to citizenship, age, income, and property ownership. The eligibility details are summarized below:
| Criteria | Requirement |
|---|---|
| Citizenship | Must be a Singapore Citizen. |
| Age | Minimum age of 30 by the end of the work year, except for persons with disabilities who qualify at any age. |
| Income | Gross monthly income must range between $500 and $3,000 for the past 12 months. |
| Property Ownership | Live in a property with an annual value not exceeding $21,000 (as of Work Year 2024). |
| Property Ownership (Married) | Own no more than one property. For married individuals, the combined assessable income of both spouses should not exceed $70,000. |
Note: Special concessions apply to persons with disabilities or caregivers who may qualify even if their income is below $500. Property valuation considers the estimated rental value, excluding furniture and maintenance.
Maximum WIS Payments by Age Group (2025 Onward)
The maximum annual WIS payout for platform workers varies by age, as shown below:
| Age Group | Maximum WIS per Year |
|---|---|
| 30 – 34 | $1,633 |
| 35 – 44 | $2,333 |
| 45 – 59 | $2,800 |
| 60 and above | $3,267 |
For persons with disabilities, the maximum payout is the same as for workers aged 60 and above.
Allocation of WIS Payments
WIS payments are divided into two parts to ensure immediate financial support and long-term healthcare savings:
- 10% in Cash: This portion is credited directly to the worker’s PayNow NRIC-linked bank account or an alternative registered bank account.
- 90% in MediSave: The majority of the payment is deposited into the worker’s MediSave account to cover future healthcare needs.
Payment Schedule: When to Expect WIS Payments
Starting in March 2025, payments for platform workers will follow the schedule below:
| Month Worked | Payment Received By | Via PayNow/Bank | Via GovCash |
|---|---|---|---|
| January | End of March | 1st Week of April | 1st Week of April |
| February | End of April | 1st Week of May | 1st Week of May |
| March | End of May | 1st Week of June | 1st Week of June |
| Month X | End of Month X+2 | 1st Week of Month X+3 | 1st Week of Month X+3 |
For work completed in 2024 and earlier, payments will be based on the Self-Employed Persons (SEPs) guidelines.
What Actions Should Platform Workers Take?
Automatic Assessment of Eligibility
Platform workers do not need to apply for WIS. The CPF Board will automatically determine eligibility based on declared income from platform operators.
Ensure CPF Contributions Are Made
If your platform operator does not deduct CPF contributions, it is important to address this issue with them. If unresolved, you can report the matter to the CPF Board for action.
FAQs
What is the main benefit of monthly WIS payments?
Monthly WIS payments provide platform workers with consistent financial support, helping them manage expenses more effectively.
Are CPF contributions mandatory for all platform workers?
Yes, platform operators are required to deduct CPF contributions for eligible workers, ensuring alignment with traditional employee benefits.
Can married platform workers qualify for WIS?
Yes, married platform workers can qualify, provided they own no more than one property and their combined assessable income with their spouse does not exceed $70,000.
