MPF System

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Under the MPF legislation, there are specific circumstances where scheme members' MPF may be withdrawn before reaching age 65.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

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Note: Scheme members who have previously withdrawn their MPF on such grounds will not be paid MPF again for all subsequent applications on the same grounds with a later departure date.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

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.

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 within 12 months of the issue of the medical certificate and withdraw the MPF benefits in their accounts in a lump sum.

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.

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 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 send a claim form to the trustee(s) of relevant MPF scheme(s) (Note: Do not send the documents to MPFA). The documents that must be provided are as follows:

Early Withdrawal Grounds	Required Documents
1. Early retirement	Identity document (e.g. HKID card) Claim form for payment of MPF on grounds of attaining the retirement age of 65 or early retirement [MPF(S) – W(R)] Statutory declaration form [MPF(S) – W(SD1)]
2. Permanent departure from Hong Kong	Identity document (e.g. HKID card) Claim form for payment of MPF on grounds of permanent departure from Hong Kong / total incapacity / terminal illness / small balance / death [MPF(S) – W(O)] Statutory declaration form [MPF(S) – W(SD2)] Documentary proof satisfying the trustee that the member is permitted to reside in a place outside Hong Kong
3. Total incapacity	Identity document (e.g. HKID card) Claim form for payment of MPF on grounds of permanent departure from Hong Kong / total incapacity / terminal illness / small balance / death [MPF(S) – W(O)] Certificate of a person’s permanent unfitness for a particular kind of work” form [MPF(S) – W(M)]
4. Terminal illness	Identity document (e.g. HKID card) Claim form for payment of MPF on grounds of permanent departure from Hong Kong / total incapacity / terminal illness / small balance / death [MPF(S) – W(O)] Medical certificate for terminal illness [MPF(S) – W(T)]
5. Small balance	Identity document (e.g. HKID card) Claim form for payment of MPF on grounds of permanent departure from Hong Kong / total incapacity / terminal Illness / small balance / death [MPF(S) – W(O)] Statutory declaration form [MPF(S) – W(SD3)]
6. Death	Identity document of the personal representative (e.g. HKID card) Claim form for payment of MPF on grounds of permanent departure from Hong Kong / total incapacity / terminal illness / small balance / death [MPF(S) – W(O)] Letter of Administration or Probate

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

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

Statutory declaration

The statutory declaration submitted to trustees must be original.

Multiple claims to different trustees.

Prepare a declaration form for each trustee and ensure that each 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.

Members who are unsure how many personal accounts they have or if they have any unclaimed benefits may contact MPFA: