Three protections from January 2025
The infographic connects increased CPF savings, work-injury compensation and representation through registered platform work associations. Increased CPF contributions are compulsory for workers born on or after 1 January 1995; older workers can opt in. Workers who do not opt in continue with MediSave-only deductions rather than receiving the operator’s full CPF contribution.
The CPF illustration
The leaflet’s 35-year-old private-hire driver earns S$7,500 before expenses. A 60% fixed expense deduction leaves S$3,000 for CPF calculation. Its S$23,830 additional cash/savings illustration combines S$2,250 PCTS, S$2,860 WIS and S$18,720 additional operator CPF across 2025–2029, subject to the example’s eligibility assumptions. It is not a guaranteed payment for every driver.
The leaflet’s figures and later limits
The original launch leaflet shows limits for the earlier scheme period: S$45,000 medical expenses, S$76,000–S$225,000 death compensation and S$97,000–S$289,000 permanent-incapacity base limits. For accidents from 1 November 2025, the medical limit is S$53,000, the death range S$91,000–S$269,000 and the permanent-incapacity base range S$116,000–S$346,000 before applying the assessed percentage. Use the accident date and applicable rules rather than applying the old leaflet amounts to a later accident.
The injury calculation in the original example
The delivery-rider example uses S$12,006 gross earnings over 90 days and a 35% deduction: net earnings S$7,803.90, average daily earnings S$86.71 and 14 hospitalisation days producing S$1,213.94 income-loss compensation. Its permanent-incapacity example uses age factor 155 and 75% incapacity, then applies the old S$289,000 base cap to reach S$216,750. That cap belongs to the earlier period; do not reuse its final result for a later accident.
Coverage and excluded situations
Work accidents from 1 January 2025 fall under WICA and operators must insure their workers. Covered pickup or delivery runs from travel toward the location until departure, including return to the vehicle where applicable; occupational diseases arising from the work can also qualify. Exclusions include not working for an operator, waiting for tasks/personal errands, intoxication, deliberate injury/aggravation, assault except self-defence or operator consent, accident-causing illegal vehicle modification, lacking the required vehicle licence/test, or using an unregistered PMD.
Average daily earnings and expense deductions
Use gross earnings from all operators within the platform service where the injury occurred over up to 90 calendar days preceding the accident. For an accident on 15 August, the 90-day lookback runs 14 August back to 17 May. A shorter work history uses its actual calendar days. Divide lookback earnings by lookback days, then apply ADE = earnings/day × (100% − fixed expense deduction).
| Transport | Deduction |
|---|---|
| Car, van, lorry, truck | 60% |
| Motorcycle, power-assisted bicycle, motorised PMD | 35% |
| Bicycle, on foot, public transport | 20% |
Income loss and medical expenses
Platform benefits cover income loss, medical expenses and permanent/current incapacity or death; light-duty compensation does not apply. Medical-leave compensation is full ADE for the first 14 days and two-thirds ADE thereafter up to one year after accident. Hospitalisation-leave compensation is full ADE for the first 60 days and two-thirds thereafter up to one year. Consult the doctor before returning; later medical leave is no longer claimable once work resumes. Medical costs are payable until the limit or one year, whichever occurs first.
| Accident date | Maximum |
|---|---|
| Before 1 November 2025 | S$45,000 |
| From 1 November 2025 | S$53,000 |
Lump-sum compensation
Average monthly earnings AME = ADE × 30. Permanent/current incapacity compensation equals AME × age factor × incapacity percentage, payable to the injured worker where the injury/illness permanently affects working ability. Death compensation equals AME × death age factor, payable to family/dependants. The official age-factor and percentage-assessment documents are linked.
| Compensation | Minimum | Maximum |
|---|---|---|
| Permanent/current incapacity | S$116,000 × incapacity % | S$346,000 × incapacity % |
| Death | S$91,000 | S$269,000 |
Multiple operators and the earnings base
If pickup and delivery tasks coexist, the delivery operators have priority for liability. If only pickup tasks or only delivery tasks coexist, all operators for those tasks are liable. A sole remaining operator pays; multiple liable operators share by each operator’s earnings divided by their combined lookback earnings. Same-service compensation uses all earnings in that service; if ride-hail and delivery operators are both liable, use the higher-earning service, not both services’ combined earnings.
Apportionment example
The official example has concurrent ride-hail and delivery pickups. With S$3,000 ride-hail earnings and S$500 delivery earnings, liability shares are 3,000/3,500 = 85.7% and 500/3,500 = 14.3%. Compensation itself uses the higher service earnings, S$3,000, rather than S$3,500.
Worker evidence and claim notification
Where safe, record accident time/location, scene/vehicle/injury photos, witnesses and platform task records; obtain treatment and notify operators promptly. Supply original medical certificates, reports, bills and photos to operators/insurers. After the operator reports to MOM/insurer, the worker receives a claim reference and insurer details and can check status online.
Operator iReport fields and deadlines
An iReport counts as a WIC claim. Check work-relatedness, task/service records, worker identity, first completed task, lookback earnings and transport; include hospitalisation, medical/hospital-leave days, treating institution, body part/injury type, and verify time/location against task records. Fatal accidents require immediate MOM notification and iReport within 10 days of accident notification; non-fatal accidents require iReport within 10 days. Workers can claim within one year of accident or the occupational-disease limitation period, even after leaving the operator. Operators manage claims through Corppass.
Complete age-factor tables
The factors differ for incapacity and death. Use the relevant age and statutory minimum/maximum in the compensation formula described above; the factor is not the final compensation by itself. All ages in both official tables are retained.
| Age | Permanent/current incapacity | Death |
|---|---|---|
| 14 and below | 181 | 136 |
| 15 | 180 | 135 |
| 16 | 179 | 135 |
| 17 | 178 | 134 |
| 18 | 178 | 134 |
| 19 | 177 | 133 |
| 20 | 176 | 132 |
| 21 | 175 | 132 |
| 22 | 174 | 131 |
| 23 | 173 | 130 |
| 24 | 172 | 129 |
| 25 | 170 | 128 |
| 26 | 169 | 127 |
| 27 | 168 | 127 |
| 28 | 167 | 125 |
| 29 | 165 | 124 |
| 30 | 164 | 123 |
| 31 | 162 | 122 |
| 32 | 160 | 121 |
| 33 | 159 | 120 |
| 34 | 157 | 118 |
| 35 | 155 | 117 |
| 36 | 153 | 115 |
| 37 | 151 | 114 |
| 38 | 149 | 112 |
| 39 | 146 | 110 |
| 40 | 144 | 108 |
| 41 | 142 | 107 |
| 42 | 140 | 106 |
| 43 | 138 | 105 |
| 44 | 136 | 104 |
| 45 | 134 | 103 |
| 46 | 132 | 102 |
| 47 | 130 | 101 |
| 48 | 128 | 100 |
| 49 | 126 | 98 |
| 50 | 124 | 96 |
| 51 | 122 | 94 |
| 52 | 120 | 92 |
| 53 | 118 | 90 |
| 54 | 116 | 88 |
| 55 | 114 | 86 |
| 56 | 111 | 84 |
| 57 | 108 | 82 |
| 58 | 105 | 80 |
| 59 | 102 | 78 |
| 60 | 99 | 75 |
| 61 | 96 | 72 |
| 62 | 92 | 68 |
| 63 | 87 | 63 |
| 64 | 82 | 58 |
| 65 | 77 | 53 |
| 66 and above | 72 | 48 |
Deduction and contribution groups
From 1 January 2025 operators deduct contributions when platform earnings arise and submit them monthly. Workers born from 1 January 1995 must participate in the increased contributions, with their Ordinary, Special and MediSave allocations and operator contributions gradually matching employee/employer rates. Workers born earlier may opt in and obtain the same benefits/support. Those who do not opt in contribute only to MediSave and receive no operator CPF contribution.
PCTS conditions
PCTS provides transition help from 2025–2028. At assessment, the worker must be a Singapore citizen; be born in 1995 or later or have opted in; have combined monthly net platform income after the fixed expense deduction plus other employment income no higher than S$3,000; and have a year-on-year increase in their own Ordinary/Special Account contribution share. Support is monthly cash offsetting the qualifying increase.
| Year | Year-on-year Ordinary/Special contribution increase offset |
|---|---|
| 2025 | 100% |
| 2026 | 75% |
| 2027 | 50% |
| 2028 | 25% |
WIS payment changes
Eligible lower-income platform workers receive WIS monthly from 2025 instead of annually. From 2029, workers mandated to or opting into aligned CPF rates receive employee-level WIS and 40% in cash, compared with the 10% share described for the earlier arrangement. CPF Board’s contribution/allocation and operator-obligation pages provide the operational details.