Singapore Armed Forces (Premium Plan) Regulations

Singapore Armed Forces Act

(Chapter 295, Section 205A)

Rg 22

G.N. No. S 188/2000

REVISED EDITION 2001

(31st January 2001)

[31st March 2000]

PART I

PRELIMINARY

Citation

1. These Regulations may be cited as the Singapore Armed Forces (Premium Plan) Regulations.

Definitions

2.—(1) In these Regulations —

[Deleted by S 836/2024 wef 01/11/2024]

“Awards Officer” means an Awards Officer appointed under regulation 3;

“Board” means the Board of Trustees appointed in accordance with the Singapore Armed Forces (SAVER-Premium Fund) Regulations (Rg 18);

“CARE Account”, in relation to a member, means the Career and Retirement Endowment (CARE) Account in the SAVER-Premium Fund maintained by the Board in respect of the member in accordance with the Singapore Armed Forces (SAVER-Premium Fund) Regulations;

“CARE Initial Quantum”, in relation to a member, means the initial lump sum contribution which may be granted by the Armed Forces Council to a member of the Premium Plan;

[S 739/2020 wef 01/09/2020]

“Category A member” means a member of the Premium Plan on or after 1 January 2026, who is not a Category B member;

[S 847/2025 wef 01/01/2026]

“Category B member” means a member of the Premium Plan who is —

(a)	an opted Category B member;
(b)	a person who enlists on or after 1 January 2026 for regular service as a soldier;
(c)	an officer cadet who reverts to being a soldier on or after 1 January 2026 and whose accounts under the Premium Plan are re-opened under regulation 18D(3); or
(d)	a serviceman in the military domain experts service who opts on or after 1 January 2026 to convert to the Premium Plan under Part VIII; [S 847/2025 wef 01/01/2026]

“Central Provident Fund” or “CPF” means the Central Provident Fund established under the Central Provident Fund Act 1953;

[S 847/2025 wef 31/12/2021]

“compensation salary”, in relation to a member, means the consolidated salary of the member, whether he is confirmed in any rank that he holds or otherwise, and includes —

(a)	for the purposes of Parts V and VI, such reimbursement or pay to which the member is entitled or which is payable to him by his employer under section 24 of the Enlistment Act 1970; and [S 847/2025 wef 31/12/2021]
(b)	any other allowance declared by the Armed Forces Council to be a component of the compensation salary, not being an allowance for the performance by a member of duties in a rank higher than his substantive or temporary rank; [S 189/2010 wef 01/04/2010]

[Deleted by S 240/2012 wef 01/06/2012]

“CPF Top-Up Account”, in relation to a member, means the CPF Top-Up Account in the SAVER-Premium Fund maintained by the Board in respect of the member in accordance with the Singapore Armed Forces (SAVER-Premium Fund) Regulations (Rg 18);

“dependant”, in relation to a deceased member, means a person receiving regular and substantial support or benefit from the deceased member —

(a)	where the member’s death occurred during his service, throughout the period of 6 months ending with the member’s death;
(b)	in any other case, throughout the period beginning 6 months prior to the termination of the member’s service and ending with the member’s death; or
(c)	throughout such other period as the Armed Forces Council may determine in the exceptional circumstances of any case;

“disablement” means physical or mental injury or damage or loss of any physical or mental capacity, and “disabled” shall be construed accordingly;

“gross salary”, in relation to a member, means the consolidated salary of the member, whether he is confirmed in any rank that he holds or otherwise, and includes —

(a)	bonuses, including performance bonuses; and
(b)	such other allowances as the Armed Forces Council may determine in a General Order, not being an allowance for the performance by a member of duties in a rank higher than his substantive or temporary rank; [S 189/2010 wef 01/04/2010] [S 151/2024 wef 01/03/2024]

“injury” includes wound or disease;

[Deleted by S 739/2020 wef 01/09/2020]

“injury received in and which is attributable to service” includes the following:

(a)	any injury received in consequence of some act lawfully performed in the discharge of a member’s duties;
(b)	any injury received while on a journey necessary to enable a member to report for duty or to return home after duty; [S 739/2020 wef 01/09/2020]

“member” means a member of the Premium Plan, being any of the following persons:

(a)	any person enlisted for regular service as a soldier on or after 1st January 2000; [S 739/2020 wef 01/09/2020]
(aa)	an officer cadet who reverts to being a soldier on or after 31 March 2000 and whose accounts under the Premium Plan are re-opened under regulation 16(3) or 18D(3); [S 847/2025 wef 01/01/2026]
(b)	any soldier to whom Part VII applies, and who opts to join the Premium Plan under that Part; [S 189/2010 wef 01/04/2010]
(c)	any serviceman in the military domain experts service who opts to convert to the Premium Plan under Part VIII; [S 739/2020 wef 01/09/2020]

“naval diver” means a member serving in the Republic of Singapore Navy who holds the vocation of naval diver;

[S 169/2007 wef 01/01/2007]

“ND-CARE benefit” means a naval diver benefit which may be granted to a naval diver under regulation 12(1)(b)(iii), (ba)(iii) and (c)(ii);

[S 739/2020 wef 01/09/2020]

“no pay maternity leave” means any no pay leave granted by the Director of Manpower under regulation 9 of the Singapore Armed Forces (Leave) Regulations (Rg 12) to a servicewoman who has been in service for at least 90 days before the date of her confinement, in respect of the birth of her child;

[S 739/2020 wef 01/09/2020]

“non‑attributable medical condition” means an adverse medical condition that ––

(a)	existed in a member before service; or
(b)	arose during but which was not attributable to service; [S 1039/2022 wef 01/01/2023]

“non-pensionable service” means regular service in the Singapore Armed Forces which is neither pensionable service nor contract service;

“opted Category B member” means a member —

(a)	who before 1 January 2026 has exercised an option mentioned in regulation 7A for Part IVA to apply to the member instead of Part IV; and
(b)	in respect of whom the option has taken effect; [S 847/2025 wef 01/01/2026]

[Deleted by S 836/2024 wef 01/11/2024]

“pensionable emoluments” has the same meaning as in the Singapore Armed Forces (Pensions) Regulations (Rg 9);

“pensionable service” means service in the Singapore Armed Forces in respect of which a pension, gratuity or other allowance will be paid to a serviceman on his retirement under the Singapore Armed Forces (Pensions) Regulations;

“Premium Plan” means the Premium Plan established by these Regulations under section 205A of the Act;

[S 847/2025 wef 01/01/2026]

“Premium salary”, in relation to a member, means the consolidated monthly salary and includes such pay components, bonuses and allowances as the Armed Forces Council may determine in a General Order;

[S 151/2024 wef 01/03/2024]

“reckonable service” has the meaning assigned to it in Part III;

“regular service” means service under section 19 of the Enlistment Act 1970;

[S 847/2025 wef 31/12/2021]

“SAVER Plan” means the SAVER Plan established by the Singapore Armed Forces (SAVER Plan) Regulations (Rg 19) under section 205A of the Act;

[S 847/2025 wef 01/01/2026]

“SAVER-Premium Fund” means the Savings and Employee Retirement and Premium Fund established under section 205B of the Act;

“stipulated retirement age”, in relation to a member, means the stipulated retirement age of that member determined in accordance with regulation 10;

[S 240/2012 wef 01/06/2012]

“Tribunal” means the Awards Appeal Tribunal appointed under regulation 4;

“volunteer” means a volunteer defined as such under the Singapore Armed Forces (Volunteers) Regulations (Rg 7) whilst engaged in colour training service and internal security duties.

(1A) For the purposes of these Regulations, an injury is not attributable to service by reason only of the injury having been received while on duty, at a place of duty or on any land, premises, vehicle, ship or aircraft for the time being used by or for the purposes of the Singapore Armed Forces.

[S 739/2020 wef 01/09/2020]

(2) For the purposes of these Regulations, any reference to the gross salary, Premium salary or compensation salary of any member shall be the gross salary, Premium salary or compensation salary, as the case may be, last drawn by the member at the material time.

Non-application to regular servicemen in military domain experts service

2A. Except as otherwise provided in these Regulations or the Singapore Armed Forces (Military Domain Experts Service) Regulations 2010 (G.N. No. S 186/2010), these Regulations shall cease to apply to any member (including any soldier to whom Part VII applies) who becomes a regular serviceman in the military domain experts service on or after 1st April 2010.

[S 189/2010 wef 01/04/2010]

[S 739/2020 wef 01/09/2020]

PART II

GENERAL PROVISIONS

Administration of these Regulations

3.—(1) These Regulations shall be administered by Awards Officers appointed under paragraph (2) or such other body or person as the Armed Forces Council may appoint.

(2) The Armed Forces Council may appoint one or more Awards Officers to assess, award or review awards and allowances to be granted or granted under these Regulations and may give such directions as it thinks fit to any such Awards Officer in the discharge of his duties.

(3) The Armed Forces Council may, for the purposes of these Regulations, appoint a medical board or medical boards, either generally or for particular cases, comprising not less than 2 medical practitioners, one of whom shall either be a Government medical officer or a medical officer of the Singapore Armed Forces.

(4) An award granted or made to or in respect of any member under Parts V and VI may, notwithstanding the provisions of these Regulations, be administered by an Awards Officer for the benefit of any person, subject to the directions of the Armed Forces Council, if —

(a)	the person has not attained the age of 21 years;
(b)	the person is, in the opinion of the Armed Forces Council, incapable of managing his own affairs by reason of mental infirmity; or
(c)	in any other case, the Armed Forces Council considers that it is in the interest of such person that it should be so administered.

(5) An award which is being administered under this regulation may, as to the whole or such part thereof and at such times as the Armed Forces Council thinks fit, be —

(a)	applied for the benefit of the person to or in respect of whom it has been granted or made;
(b)	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.

Awards Appeal Tribunal

4.—(1) For the purposes of these Regulations, the Armed Forces Council may also appoint an Awards Appeal Tribunal which shall consist of not less than 3 members.

(2) The Tribunal shall have power to vary any award made under these Regulations (other than an award to which regulation 4A relates), whether by increasing or decreasing such award, and the decision of the Tribunal shall be final and conclusive.

[S 163/2008 wef 01/04/2008]

[S 836/2024 wef 01/11/2024]

(2A) The Tribunal may regulate its own procedure for the conduct of an appeal under this regulation, including any proceedings leading up to the hearing of the appeal.

[S 836/2024 wef 01/11/2024]

(3) Without affecting paragraph (2A), the Tribunal shall have power —

(a)	to call for any document relating to the appellant’s service from an Officer-in-charge of Records;
(b)	to order the appellant to undergo a medical examination by a medical officer to be appointed by the Tribunal in any particular case; and
(c)	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. [S 836/2024 wef 01/11/2024]

(4) Every appellant shall have the right to appear before the Tribunal in person, or by a representative, but the Tribunal may hear and determine any appeal in the absence of the appellant.

[S 836/2024 wef 01/11/2024]

(5) Every appeal under this regulation shall be brought within 12 months of the date on which the decision of an Awards Officer is notified to the appellant but the Tribunal may allow an appeal to be brought after the expiration of the period limited by this regulation if it considers that there was a reasonable excuse for the delay.

[S 836/2024 wef 01/11/2024]

Compensation Board

4A.—(1) For the purposes of these Regulations, the Armed Forces Council may also appoint a Compensation Board which shall consist of not less than 4 members.

(2) The Compensation Board shall have power to make an award or vary any award made by an Awards Officer in respect of the death or disablement of a member, whether by increasing or decreasing such award, and the decision of the Compensation Board thereon shall be final and conclusive.

(2A) The Compensation Board may regulate its own procedure for the conduct of an appeal under this regulation, including any proceedings leading up to the hearing of the appeal.

[S 836/2024 wef 01/11/2024]

(3) Without affecting paragraph (2A), the Compensation Board shall have power —

(a)	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
(b)	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. [S 836/2024 wef 01/11/2024]

(4) Every appellant shall have the right to appear before the Compensation Board in person, or by a representative, but the Compensation Board may hear and determine any appeal in the absence of the appellant.

(5) Every appeal under this regulation shall be brought within 12 months of the date on which the decision of an Awards Officer is notified to the appellant but the Compensation Board may allow an appeal to be brought after the expiration of the period limited by this regulation if it considers that there was a reasonable excuse for the delay.

[S 163/2008 wef 01/04/2008]

Failure to draw award

5. Where a member fails for a continuous period of not less than 12 months to draw any award under these Regulations, the award may be cancelled and any payment of any arrears may be withheld but the Armed Forces Council may in any particular case restore the award and pay the arrears either in whole or in part.

Arrears

6. Except in so far as the Armed Forces Council may otherwise direct with respect to any particular case or class of cases, payment of any award under these Regulations shall not be made in respect of any period preceding the date of the application or appeal as a result of which the claim to the award, or, as the case may be, to the continuance or resumption of the payment of the award, is accepted.

Power to dispense with probate

7.—(1) Where a person to whom any payment could have been made from the CARE Account under these Regulations before his death dies before the payment is made, and the amount unpaid does not exceed $500, the amount so unpaid may be —

(a)	paid to the personal representatives of the deceased person without probate or other proof of title; or
(b)	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.

(2) In determining the amount to be paid or distributed, the Board may have regard to any payments made or expenses incurred by any such person for or on account of the funeral of the deceased person.

Option for Part IV or Part IVA by member before 1 January 2026

7A.—(1) This regulation applies where a member identified by the proper authority to be eligible to be given an option described in paragraph (2), has exercised the option —

(a)	in accordance with the conditions imposed by the proper authority; and
(b)	by a date before 1 January 2026 that is specified by the proper authority.

(2) The option mentioned in paragraph (1) is for —

(a)	Part IVA to apply to the member instead of Part IV; or
(b)	Part IV to continue to apply to the member,

with effect from 1 January 2026.

(3) An option exercised in accordance with paragraph (1) —

(a)	takes effect on 1 January 2026, but only if the member is still a member on that date; and
(b)	is irrevocable.

(4) If a member fails to exercise the option in accordance with paragraph (1), the member is deemed to have opted for Part IV to continue to apply to the member with effect from 1 January 2026, and paragraph (3) applies to the member as if he had exercised the option in accordance with paragraph (1).

[S 847/2025 wef 01/01/2026]

PART III

RECKONABLE SERVICE AND RETIREMENT

Reckonable service

8. For the purposes of determining the amount of contribution to be credited to the CARE Account and CPF Top-Up Account of a member, and CARE Initial Quantum, the following periods of service, subject to any deduction to be made under regulation 9, shall be regarded as reckonable service:

(a)	the period during which the member is a soldier or military expert in regular service on full pay in the Singapore Armed Forces; [S 739/2020 wef 01/09/2020]
(b)	the period of full-time national service that has been rendered by a full-time national serviceman in any force, which is designated by the Minister for the purposes of national service, prior to his enlistment as a soldier in the regular service of the Singapore Armed Forces;
(c)	service which qualifies for an award of a pension under the Pensions Act 1956, of a mobilised volunteer or of a national serviceman in the People’s Defence Force that was rendered immediately prior to his mobilisation and which was converted on a one-for-one basis to pensionable service under the Singapore Armed Forces (Pensions) Regulations (Rg 9) upon the mobilised volunteer or national serviceman, as the case may be, being absorbed into the pensionable service of the Singapore Armed Forces; [S 847/2025 wef 31/12/2021]
(d)	mobilised service of a volunteer or national serviceman in the People’s Defence Force that was rendered immediately prior to his absorption into the pensionable service under the Singapore Armed Forces (Pensions) Regulations (Rg 9) if that service has not been counted as pensionable service under paragraph (c);
(e)	service which qualifies for the award of a pension in the Government or in any statutory body of a member seconded to the Singapore Armed Forces in respect of service rendered immediately prior to his secondment and which is converted on a one-for-one basis to regular service under these Regulations on his absorption into the regular service as a soldier on or after 31st March 2000;
(f)	service on secondment to the Singapore Armed Forces of a member immediately prior to his absorption into the regular service as a soldier on or after 31st March 2000 if that service has not been regarded as regular service under paragraph (e);
(g)	service which a member has rendered on contract in the Singapore Armed Forces prior to his conversion on or after 31st March 2000 to the regular service;
(h)	any period of service in any other armed forces which may be allowed to count as reckonable service by the Armed Forces Council, subject to such conditions as it may think fit to impose;
(i)	periods of confinement as a prisoner of war;
(j)	pensionable service in the Government of a member rendered immediately prior to his absorption on or after 31st March 2000 into the regular service of the Singapore Armed Forces and which is converted on a one-for-one basis to regular service under these Regulations if the member, other than a member who is a woman, had been a full-time national serviceman;
(k)	any period during which a member has been absent from duty on leave with half-pay;
(ka)	any period of no pay maternity leave; [S 739/2020 wef 01/09/2020]
(kb)	any period of unpaid infant care leave or unpaid leave for unexpected care needs, as the Armed Forces Council may determine in a General Order; [S 439/2025 wef 01/07/2025]
(l)	part-time regular service but to be counted on the basis of the proportion the part-time regular service bears to full-time regular service over the same period;
(m)	any period of service in the Government of a member rendered immediately prior to his absorption into the regular service of the Singapore Armed Forces and which the Armed Forces Council has determined shall count as regular service under these Regulations, subject to such conditions as the Armed Forces Council may impose;
(n)	any period for which the member was on officer cadet training;
(o)	any period of mobilised service as a national serviceman subject to such conditions as the Armed Forces Council may impose; and
(p)	such service other than in the Government as the Armed Forces Council has determined shall count as regular service under these Regulations, subject to such conditions as the Armed Forces Council may impose. [S 847/2025 wef 01/01/2026]

Service not counted as reckonable service

9.—(1) Subject to paragraph (2), the following periods of service shall not be counted as reckonable service under these Regulations:

(a)

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;

(b)

the whole period of absence without leave;

(c)

the whole period of desertion;

(d)

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;

(e)

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

(f)

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;

(g)

the whole period in which pay is forfeited;

(h)

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

(i)	the whole period of no pay maternity leave;
(ii)	the whole period of unpaid infant care leave as the Armed Forces Council may determine in a General Order;
(iii)	the whole period of unpaid leave for unexpected care needs as the Armed Forces Council may determine in a General Order; [S 439/2025 wef 01/07/2025]

(i)

the whole period of study leave sponsored by the Government.

(2) Notwithstanding paragraph (1), the Armed Forces Council may count as reckonable service all or part of such period of service in paragraph (1) as it thinks fit.

Stipulated retirement age

10. A member shall be required to retire at the age appropriate to his rank, whether he has been confirmed in that rank or not, as follows:

(a)	Warrant Officer at 55 years; and
(b)	Master Sergeant and below at 50 years. [S 240/2012 wef 01/06/2012]

Grounds for retirement

11. It shall be lawful for the Armed Forces Council to require or permit, as the case may be, a member to retire —

(a)

if he has attained the stipulated retirement age;

[S 240/2012 wef 01/06/2012]

(b)

if he is considered to be unsuitable, such unsuitability being due to causes not within his control or due to causes within his control that do not amount to misconduct;

(c)

on a certificate from his commanding officer and on medical evidence to the satisfaction of the Armed Forces Council that the member is incapable, by reason of infirmity of mind or body, of discharging his duties and that such infirmity is likely to be permanent;

(d)

if his retirement is considered by the Armed Forces Council to be desirable in the public interest, having regard to the conditions and needs of the armed forces and the usefulness of the member thereto;

(e)

where the Armed Forces Council considers that he has made outstanding contributions to the Singapore Armed Forces and that he should retire as part of the process of leadership renewal in the Singapore Armed Forces;

(f)

where such member has been superseded for further promotion;

(g)

if he requests the permission of the Armed Forces Council to retire —

(i)	in the case of a member who enlisted for regular service before 1 April 2010 — after completing 15 years of service; or
(ii)	in the case of a member who enlisted for regular service on or after 1 April 2010 — after completing 12 years of service; [S 739/2020 wef 01/09/2020]

(h)

if he requests the permission of the Armed Forces Council to retire in circumstances not covered in the preceding paragraphs; or

(i)

if his retirement is considered by the Armed Forces Council to be necessary ––

(i)	due to the abolition of his office; or
(ii)	for the purpose of facilitating improvement in the organisation of the department to which the member belongs by which greater efficiency or economy may be effected. [S 169/2007 wef 01/08/2006]

PART IV

CONTRIBUTIONS AND WITHDRAWALS —
CATEGORY A MEMBERS

[S 847/2025 wef 01/01/2026]

Reference to Category A member includes Premium Plan member

11A. In this Part, a reference to a Category A member includes a reference to a Category A member who was a member of the Premium Plan before 1 January 2026.

[S 847/2025 wef 01/01/2026]

Contributions

12.—(1) Subject to these Regulations, the Board shall cause to be credited to the accounts of each Category A member in the SAVER-Premium Plan Fund as follows:

(a)

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

(i)	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 [S 847/2025 wef 31/12/2021]
(ii)	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, [S 847/2025 wef 31/12/2021]

subject to the maximum amount of contributions permissible under that Act;

(b)

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 —

(i)	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
(iii)	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; [S 739/2020 wef 01/09/2020] [S 739/2020 wef 01/09/2020]

(ba)

in the case of the CARE Account of a member enlisted for regular service before 1 April 2010 who completed less than 10 years of reckonable service as at that date, upon that member attaining the rank of Warrant Officer —

(i)	a CARE Initial Quantum at such rate and under such conditions as the Armed Forces Council may, by General Order, determine;
(ii)	a monthly contribution at the prescribed rate of the member’s Premium salary;
(iii)	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
(iv)	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; [S 739/2020 wef 01/09/2020]

(c)

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 —

(i)	a monthly contribution at the prescribed rate of the member’s Premium salary; [S 739/2020 wef 01/09/2020]
(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 [S 189/2010 wef 01/04/2010] [S 739/2020 wef 01/09/2020]
(iii)	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; [S 739/2020 wef 01/09/2020] [S 847/2025 wef 01/01/2026]

(ca)

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), any retention bonus that would have been payable to the member in cash at the end of 6 years of reckonable service, but which the member opts to contribute into the CARE Account;

[S 739/2020 wef 01/09/2020]

[S 847/2025 wef 01/01/2026]

(cb)

[Deleted by S 847/2025 wef 01/01/2026]

(d)

any dividend declared by the Board under paragraph (4).

[S 189/2010 wef 01/04/2010]

[S 847/2025 wef 01/01/2026]

(2) The Board shall, subject to the directions of the Armed Forces Council, credit to the accounts specified in paragraph (1) every contribution and dividend in such manner as the Armed Forces Council may direct, and the Armed Forces Council may give different directions in respect of different classes of members.

(3) Notwithstanding paragraph (1), no contributions shall be credited in respect of —

(a)

(b)

the whole period of absence without leave;

(c)

the whole period of desertion;

(d)

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;

(e)

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

(f)

(g)

the whole period in which pay is forfeited; or

(h)

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

(i)	the whole period of no pay maternity leave;
(ii)	the whole period of unpaid infant care leave as the Armed Forces Council may determine in a General Order;
(iii)	the whole period of unpaid leave for unexpected care needs as the Armed Forces Council may determine in a General Order. [S 439/2025 wef 01/07/2025]

(4) During any financial year, the Board may, in respect of a member of the Premium Plan, cause to be credited to the subsidiary accounts of that member in the SAVER-Premium Fund, a dividend out of the net income and net unrealised profits of the SAVER-Premium Fund for that financial year.

(5) In this regulation —

“net income” has the meaning given by regulation 2 of the Singapore Armed Forces (SAVER‑Premium Fund) Regulations;

[S 439/2025 wef 01/07/2025]

“prescribed rate”, in relation to a monthly contribution of a member’s Premium salary mentioned in paragraph (1)(b)(ii), (ba)(ii) or (c)(i), means —

(a)	where the monthly contribution is to be credited to the CARE Account of a member before 1 January 2020 — the rate of 5 percent of the member’s Premium salary; and
(b)	where the monthly contribution is to be credited to the CARE Account of a member on or after 1 January 2020 — the rate of 10 percent of the member’s Premium salary. [S 837/2019 wef 01/01/2020] [S 739/2020 wef 01/09/2020]

Contributions to CPF account instead of CPF Top-Up Account

12A.—(1) Subject to paragraph (2), the Board must, between 1 July 2021 and 31 December 2025 (both dates inclusive) in respect of every member of the Premium Plan, and on or after 1 January 2026 in respect of every Category A member, cause to be paid to the member’s account in the Central Provident Fund, the monthly sum mentioned in regulation 12(1)(a) instead of causing it to be credited to the member’s CPF Top-Up Account.

[S 847/2025 wef 01/01/2026]

(2) The Board must not cause, or must cease to cause, the monthly sum to be paid to the member’s account in the Central Provident Fund under paragraph (1) and must continue or resume causing the monthly sum to be credited to the member’s CPF Top-Up Account under regulation 12(1)(a) if either of the following circumstances exist:

(a)

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 —

(i)	$20,000 or more in the ordinary account maintained for the member under the Central Provident Fund Act 1953; and [S 847/2025 wef 31/12/2021]
(ii)	$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; [S 847/2025 wef 31/12/2021]

(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.

(3) The option mentioned in paragraph (2)(b) —

(a)	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;
(b)	when exercised, is irrevocable; and
(c)	takes effect starting the month immediately following the month in which the option is processed.

(4) In this regulation —

“Category A member of the SAVER Plan” has the same meaning as “Category A member” in regulation 2(1) of the Singapore Armed Forces (SAVER Plan) Regulations;

[S 847/2025 wef 01/01/2026]

“Government’s contributions”, in relation to a member, means the contributions paid into the Central Provident Fund for the member by the Government under the Central Provident Fund Act 1953 in respect of the period where the member is —

(a)	before 1 July 2025 — either a member of the Premium Plan or the SAVER Plan;
(b)	between 1 July 2025 and 31 December 2025 (both dates inclusive) — either a member of the Premium Plan or a Category A member of the SAVER Plan; and
(c)	on or after 1 January 2026 — either a Category A member or a Category A member of the SAVER Plan; [S 847/2025 wef 01/01/2026]

“medisave account”, “ordinary account” and “special account” have the meanings given by section 2(1) of the Central Provident Fund Act 1953;

[S 847/2025 wef 31/12/2021]

“relevant period”, in relation to a member, means the continuous period that he is in the service of the Singapore Armed Forces —

(a)	starting on the date he is enlisted for regular service in the Singapore Armed Forces as a soldier, officer or officer cadet; and
(b)	ending on the last date of the month immediately before the month in which the monthly sum is to be paid to the member’s account in the Central Provident Fund under paragraph (1). [S 449/2021 wef 01/07/2021]

13. [Deleted by S 847/2025 wef 01/01/2026]

Eligibility for withdrawals

14.—(1) Subject to these Regulations, no sum of money standing to the credit of a Category A member may be withdrawn from the SAVER-Premium Fund unless the member —

(a)	retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;
(b)	resigns from the Singapore Armed Forces; or
(c)	dies in regular service. [S 847/2025 wef 01/01/2026]

(2) Such moneys shall not be paid except in accordance with regulation 18.

[S 739/2020 wef 01/09/2020]

Closure of accounts

15.—(1) Where a Category A member —

(a)	retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11;
(b)	resigns from the Singapore Armed Forces;
(c)	dies in regular service; or
(d)	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.

[S 847/2025 wef 01/01/2026]

(2) Where a member’s accounts are closed under paragraph (1) during a financial year before a dividend (if any) for that financial year is declared, the Board may, notwithstanding paragraph (1), cause to continue to be credited to the member’s accounts interest at such rate as it determines until the moneys in those accounts are paid, and that interest shall be in lieu of any dividend that may be declared payable for that financial year under regulation 12(4).

Application to officer cadets

16.—(1) Subject to paragraphs (2) and (3), if a Category A member is selected for officer cadet training and becomes a member of the SAVER Plan in accordance with the Singapore Armed Forces (SAVER Plan) Regulations (Rg 19), all his accounts maintained under regulation 12(2) of the Singapore Armed Forces (SAVER-Premium Fund) Regulations (Rg 18) in the SAVER-Premium Fund shall be closed with effect from the commencement date of his officer cadet training, and all contributions to his accounts shall cease forthwith.

[S 439/2025 wef 01/07/2025]

[S 847/2025 wef 01/01/2026]

(2) The Board shall transfer all the moneys in the accounts closed under paragraph (1) to the member’s SAVER Account and CPF Top-Up Account in accordance with the Singapore Armed Forces (SAVER Plan) Regulations.

[S 439/2025 wef 01/07/2025]

[S 847/2025 wef 01/01/2026]

(3) If the Category A member mentioned in paragraph (1) fails his officer cadet training and reverts to a soldier, his accounts under the Premium Plan will be re-opened and the Board shall cause to be credited to the member’s accounts the following sums:

(a)

to the member’s CARE Account —

(i)

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 —

(A)	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 [S 439/2025 wef 01/07/2025]
(B)	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 [S 439/2025 wef 01/07/2025]

(ii)

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) —

(A)	the amount mentioned in sub-paragraph (i)(A) and (B);
(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 [S 439/2025 wef 01/07/2025]
(C)	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; [S 739/2020 wef 01/09/2020]

(b)

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.

[S 847/2025 wef 01/01/2026]

Forfeiture of moneys on discharge or dismissal

17. Notwithstanding regulation 14, where a Category A member is —

(a)	discharged on any of the grounds specified in regulation 17 or 18 of the Enlistment Regulations 1970; [S 847/2025 wef 31/12/2021] [S 847/2025 wef 18/12/2024]
(b)	discharged with ignominy;
(c)	dismissed as a result of the sentence of a subordinate military court or Military Court of Appeal or a sentence substituted by the Armed Forces Council; or
(d)	on probation and his service with the Singapore Armed Forces is terminated at or before the end of the period of probation,

the Armed Forces Council may forfeit all or any of the moneys which would have been payable to the member as if the member had, on the date of his discharge or dismissal, retired from the Singapore Armed Forces on any of the grounds specified in regulation 11.

[S 847/2025 wef 01/01/2026]

Withdrawals and vesting of contributions

18.—(1) Except where otherwise provided in these Regulations, where a Category A member retires or is required to retire from the Singapore Armed Forces on any of the grounds specified in regulation 11(a) to (h) or he resigns from the Singapore Armed Forces, such portion of moneys standing to the member’s credit in his CARE Account as is specified in the First Schedule in relation to the member’s age at the date of his retirement or resignation, as the case may be, shall vest in the member and may be awarded in respect of that member.

[S 169/2007 wef 01/01/2007]

[S 847/2025 wef 01/01/2026]

(1A) Where a Category A member retires or is required to retire from the Singapore Armed Forces on either of the grounds specified in regulation 11(i) and has completed not less than 10 years of reckonable service, there shall vest in the member and may be awarded to him, at the option of the member ––

(a)	the entire sum standing to his credit in his CARE Account at the date of his retirement; or
(b)	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.

[S 169/2007 wef 01/08/2006]

[S 847/2025 wef 01/01/2026]

(1B) Except where paragraph (1A) applies, where a naval diver who is a Category A member has opted for his CARE Account to vest according to the vesting scale in paragraph 3 of the First Schedule and retires or resigns from the Singapore Armed Forces above the age of 45 years, there shall vest in the naval diver and may be awarded to him ––

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

[S 169/2007 wef 01/01/2007]

[S 847/2025 wef 01/01/2026]

(1C) Where a naval diver who is a Category A member —

(a)	receives his first contribution to his CARE Account on or after 1 January 2007; and
(b)	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:

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

[S 739/2020 wef 01/09/2020]

[S 847/2025 wef 01/01/2026]

(2) Notwithstanding paragraphs (1), (1B) and (1C) —

(a)	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; [S 847/2025 wef 01/01/2026]
(b)	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 [S 847/2025 wef 01/01/2026]
(c)	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. [S 151/2024 wef 01/03/2024] [S 739/2020 wef 01/09/2020] [S 847/2025 wef 01/01/2026]

(3) Notwithstanding any provision in these Regulations but subject to paragraph (3A) and regulation 26(5) —

(a)	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 [S 739/2020 wef 01/09/2020] [S 847/2025 wef 01/01/2026]
(aa)	in the case of a Category A member who enlisted for regular service on or after 1 April 2010, no sum in the member’s CARE Account vests in the member unless the member has completed not less than 12 complete years of reckonable service. [S 739/2020 wef 01/09/2020] [S 847/2025 wef 01/01/2026]
(b)	[Deleted by S 847/2025 wef 01/01/2026]

(3A) Paragraph (3) shall not apply to a Category A member who retires on any of the grounds specified in regulation 11(c) or (i).

[S 553/2005 wef 01/08/2005]

[S 169/2007 wef 01/08/2006]

[S 847/2025 wef 01/01/2026]

(4) The Board may authorise the payment of the sum vested in the member in accordance with paragraphs (1), (1A), (1B), (1C), (2), (3) and (3A) to the serviceman, or a person eligible to make an application under regulation 19.

[S 739/2020 wef 01/09/2020]

(5) Where a Category A member is either discharged or dismissed in the circumstances referred to in regulation 17, the Board may, on the application of the person entitled to apply under regulation 19, authorise the payment to the applicant of such moneys in the member’s CARE Account not forfeited by the Armed Forces Council under regulation 17.

[S 847/2025 wef 01/01/2026]

(6) Where a Category A member’s CPF Top-Up Account is closed under regulation 15(1), the Board shall authorise the transfer of all moneys which has vested in the member’s CPF Top-Up Account to the CPF Board to the credit of the member’s account in the Central Provident Fund.

[S 847/2025 wef 01/01/2026]

(7) Where the total amount standing to the credit of a Category A member in the CPF after the transfer of moneys under paragraph (6) is less than the retirement sum prescribed for the purposes of section 15(6) of the Central Provident Fund Act 1953, the deficiency in the member’s CPF account shall be met out of the sum vested in the member’s CARE Account in the SAVER-Premium Fund.

[S 739/2020 wef 01/09/2020]

[S 847/2025 wef 31/12/2021]

[S 847/2025 wef 01/01/2026]

(8) The Board shall credit to the Forfeiture Account of the SAVER-Premium Fund any balance of moneys in the closed CARE Account of a Category A member after the amount allowed to be withdrawn from that CARE Account under these Regulations has been paid.

[S 847/2025 wef 01/01/2026]

(9) For the purposes of this regulation and the First Schedule, a Category A member attains the age mentioned in this regulation or that Schedule (as the case may be) on the relevant anniversary of his birthday.

[S 847/2025 wef 01/01/2026]

(10) For the purposes of paragraph (9) —

(a)	a reference to the anniversary of a Category A member’s birthday is a reference to the day on which the anniversary occurs; and
(b)	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. [S 847/2025 wef 01/01/2026]