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Industry Schemes

For employees in the catering and construction industries.

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For members of MPF-exempted ORSO schemes.

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Protecting Your Rights


If your employer were not paying your salary, you would probably notice very soon, if not immediately. However, if your employer did not make MPF contributions for you, even after deducting 5% of your income, you might not become aware of this default until months later. As MPF benefits are not assets at the immediate disposal of scheme members, many employees do not regularly check their MPF accounts, taking it for granted that contributions will be made by their employers.

As an employee, you can take a more proactive role in safeguarding your MPF rights, and MPFA will be there beside you, every step of the way, to protect your rights and ensure employers are complying with the law.

What you should do

Your employer is required by law to provide you with an MPF monthly pay-record showing the date on which contributions were made and the amount of contributions, both employer’s and employee’s portions, made by the employer for the past wage period. Make it a habit to check the information on the record and ensure that the contributions were made on time and the amounts are correct.

To be 100% certain, you may enquire directly with the trustee to double-check your account details. Trustees normally provide different channels for you to check your account details, such as hotlines, websites, Automatic Teller Machines, benefit statements and customer service centres.

Where and how to seek help

If you suspect your employer has failed to make contributions for you, you may consider clarifying with your employer or your trustee to see if it is a false alarm. If there is indeed a default, do not hesitate to contact MPFA to lodge a complaint. We are here to help. The easiest way to do so is to call our hotline at 2918 0102, between 8:45 am and 5:45 pm, Monday to Friday.

Other means for filing a complaint can be found here.

Your Right to Remain Anonymous

We understand that most employees will think twice before lodging a complaint against their employer, for obvious reasons such as fear of ruining their relationship with their employer or even losing their jobs. It certainly doesn’t sound clever to risk 95% of your income over the 5% of MPF benefits in default. These are indeed valid concerns.

That’s why when you file a complaint with us, we treat every case in the strictest confidence and will always respect your decision not to disclose your identity as a complainant. To further put your worries to rest, you may also remain completely anonymous by not disclosing your name at all. Simply act as an informant and provide information for us to follow up. We value every tip we receive.

Remember, the sooner we become aware of a default, the higher the chance of rectifying the situation with the employer. Give us a call and see if we can be of any assistance.

Common Employer Non-compliance

Failing to open MPF accounts for employees and to make default contributions are two of the most frequently committed offences by employers. A list of the most common offences and their maximum penalties can be found here.