MPF System

Withdrawal of MPF

Early Withdrawal of MPF
Under the MPF legislation, there are specific circumstances where scheme members' MPF may be withdrawn before reaching age 65. Such circumstances are:

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1. Early retirement
Scheme members must be at least 60 years old and have ceased all employments and self-employments. They are required to make a statutory declaration that they have no intention of becoming employed or self-employed again. Scheme members may withdraw their MPF in a lump sum or by instalments.
2. Permanent departure from Hong Kong

Scheme members are required to make a statutory declaration that they have departed or will depart from Hong Kong to reside elsewhere with no intention of returning for employment or to resettle in Hong Kong as a permanent resident. They are also required to provide documentary proof satisfactory to the trustees that they are permitted to reside in a place outside Hong Kong.

 

Note: Scheme members who have previously withdrawn their MPF on such grounds will not be paid MPF again for all subsequent applications on the same grounds with a later departure date. 

 

Scheme members should stay alert to crime syndicates who abet scheme members in making false statutory declarations. For more details of avoiding non-compliance, please click here.

 

Enforcing the law

Any scheme member who makes a false or misleading statement for early withdrawal of MPF is liable for prosecution by MPFA. MPFA will perform random checking proactively, investigate suspected cases and take enforcement actions where necessary.

3. Total incapacity
Scheme members are required to provide a medical certificate issued by a registered medical practitioner or Chinese medicine practitioner certifying that they have become permanently unfit to perform the particular kind of work of their previous jobs.
4. Terminal illness
Scheme members are required to provide a medical certificate issued by a registered medical practitioner or Chinese medicine practitioner stating that they have an illness that is likely to reduce their life expectancy to 12 months or less. Scheme members must submit their application to trustee through the eMPF Platform within 12 months of the issue of the medical certificate and withdraw the MPF benefits in their accounts in a lump sum.
5. Small balance
Scheme members are required to have a balance of not more than $5,000 in only one MPF scheme and as at the date of application, at least 12 months must have elapsed since the last contribution date. Scheme members are also required to make a statutory declaration that they have no intention of becoming employed or self-employed again.
6. Death
The MPF of a deceased scheme member is a part of the member’s estate. As such, it must be claimed by the member’s personal representative or Official Administrator.

Required supporting documents for early withdrawal of MPF

If a scheme member meets any of the above circumstances and decides to withdraw his/her MPF, the member should make a claim to the trustees through the eMPF Platform (Note: Do not send the documents to MPFA or the trustee of relevant MPF scheme). The required supporting documents include the following:

Early Withdrawal Grounds
Required Supporting Documents
1. Early retirement
  1. Identity document (e.g. HKID card)
  2. Statutory declaration 
2. Permanent departure from Hong Kong
  1. Identity document (e.g. HKID card)
  2. Statutory declaration 
  3. Documentary proof satisfying the trustee that the member is permitted to reside in a place outside Hong Kong
3. Total incapacity
  1. Identity document (e.g. HKID card)
  2. Certificate of a person’s permanent unfitness for a particular kind of work
4. Terminal illness
  1. Identity document (e.g. HKID card)
  2. Medical certificate for terminal illness
5. Small balance
  1. Identity document (e.g. HKID card)
  2. Statutory declaration
6. Death
  1. Identity document of the personal representative (e.g. HKID card)
  2. Letter of Administration or Probate

For information about the administrative procedures for making a claim and the necessary documents, please contact the eMPF Platform.

 

Generally, trustees are required to pay out the MPF within 30 days after receiving all required documents.

 

Statutory declaration

 

Scheme member may be requested to provide original statutory declaration to eMPF Platform for verification.

 

Multiple claims to different trustees.

 

Prepare a declaration form for use across all selected schemes and trustees, and ensure that the declaration form is signed and sealed (if applicable) by a person authorized to administer a statutory declaration.

 

In Hong Kong, the statutory declaration of scheme members can be made before and signed by a Commissioner for Oaths at the Home Affairs Department (HAD), Notary Public or Justice of the Peace.

 

Bring the HKID card and the relevant completed declaration form. For details about the location and office hours of the nearest HAD district office, please contact the Telephone Enquiry Centre of HAD at 2835 2500. 

 

Scheme members may make the statutory declaration outside Hong Kong provided that the declaration is made before, signed and sealed (if applicable) by:

  

  • a Notary Public; or
  • a person authorised under the law of that place to administer an oath; or 
  • a person authorised under the law of that place to take a statutory declaration.

Scheme members who are unsure of the number and details of the MPF accounts they have, they are encouraged to register with and log in to the eMPF Platform to access and manage all their MPF and related information via a one-stop online platform. 

 

Scheme members who have yet to register for the eMPF Platform, they can submit a prescribed paper form to the eMPF Platform for checking their MPF account information.  If necessary, authorized persons may also submit a request to the eMPF Platform.  The forms are available for download from the eMPF website.