We help students to realise their potential; workers to secure jobs and upgrade their skills; families to be self-reliant and more resilient; and seniors to stay active and connected with the community.
|*Gross Wages/Month||Minimum Monthly Contribution to CDAC|
|> $2,000 to $3,500||$1.00|
|> $3,500 to $5,000||$1.50|
|> $5,000 to $7,500||$2.00|
*Gross wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.
Please refer to Annex A for the types of remuneration to employees.
We offer more than 40,000 places in tuition and enrichment programmes annually to help students level up and maximise their potential. We also assist more than 5,000 students with bursary and other support schemes.
We support about 10,000 low-income families annually with holistic assistance to help them work towards self-reliance. We organise parents development programme and family bonding activities to help parents become better stewards of their households and strengthen family bonding.
We provide integrated support to workers in employment and training by working closely with various government agencies.
Besides employment, we also provide holistic support to workers by offering education programmes and assistance to their children, parenting programmes to them and their spouses, and financial assistance to their families.
We help seniors to stay active and lead meaningful lives through learning and volunteering through programmes such as information sharing sessions (on topics such as Lasting Power of Attorney, MediShield Life and CPF Life), weekly news sharing programme, IT courses and volunteering programmes.
- Increase contribution amount
- Opt out of contribution
- Rejoin to contribute after opting out
- Voluntary contribution
The employer can effect the changes immediately after the form has been submitted to CDAC.
For further enquiries, you may call our hotline at 6841 4889 or email to .
Other Information for Employees
Other Information for Employers
Please refer to Annex B for the contributions to be made by employees with multiple races or religion.
Please note that the period for any refund of amount paid in error is one year from the date on which the CDAC contribution was paid by an employee.
Types of Remuneration to Employees
The table below is a general guide as to when to account for CDAC contributions on such payments.
|S/N||Types of Payment||Description of Payment||CDAC contribution required?|
|1||Annual Wage Supplement (AWS)/ Bonus/ Variable Payment||Payment to employees for 13th month/ good performance/ incentive payment||Yes|
|2||Allowances e.g. field, food, holiday, housing, maternity, phone, shift, transport allowances||Fixed payments to employees for various purposes||Yes|
|3||Commission||Payment to employees for services provided based on percentage of sales achieved||Yes|
|4||Education/ training reimbursement||Reimbursement of course fees||No|
|5||Flexible benefits||Allowance given to employees for lifestyle needs||No|
|6||Internship allowance||Wages paid to students on internship||No|
|7||Leave pay||Encashment of unutilized leave||Yes|
|8||Long service award||Cash reward for long service||Yes|
|9||Maternity subsidy||Reimbursement of maternity expenses||No|
|10||Overtime pay||Payments made to employees for working overtime||Yes|
|11||Part-time employment wages||Wages paid to individuals working part time||Yes|
|12||Reimbursements e.g. entertainment, handphone, holiday, housing, meal, medical/ dental, transport reimbursements||Reimbursements for expenses paid in advance by employees||No|
|13||Termination benefits||Retirement benefits, retrenchment payment, salary in-lieu of notice, severance pay||No|
|14||Workmen’s compensation||Payment for injuries awarded under the Workmen’s Compensation Act||No|
Types of Contributions to be made by Employees with Multiple Races or Religion
The table below is a guide on the types on contributions that employees with multiple races or religion should make.
|S/N||Races/ Religion||SHG to contribute to|
|3||Chinese-Muslim||CDAC & MBMF*|
|5||Chinese-Indian-Muslim||CDAC & MBMF*|
|8||Indian-Muslim||SINDA & MBMF*|
|10||Indian-Muslim-Chinese||SINDA & MBMF*|
|11||Muslim-Chinese||MBMF & CDAC*|
|12||Muslim-Indian||MBMF & SINDA*|
|13||Muslim-Eurasian||MBMF & EA*|
|14||Muslim-Chinese-Indian||MBMF & CDAC*|
|15||Muslim-Eurasian-Chinese||MBMF & EA*|
|18||Eurasian-Muslim||EA & MBMF*|
|20||Eurasian-Chinese-Muslim||EA & MBMF*|
|23||Chinese-German-Muslim||CDAC & MBMF*|
* Employees who do not wish to contribute to either one of the Fund will have to submit the Opt-Out Form to the respective agency.