As Singapore faces evolving economic challenges, the government continues to reinforce its support for self-employed persons (SEPs) through the Workfare Income Supplement (WIS) scheme. With enhancements in 2025, eligible individuals can now receive up to S$2,800 per year, combining cash support and MediSave contributions.
This guide breaks down exactly who qualifies, how to apply, and what steps SEPs need to take this March and April to unlock the full benefit.
What Is the Workfare Income Supplement (WIS) Scheme?
The WIS scheme is a long-standing initiative designed to:
- Boost income for lower-wage workers, including SEPs
- Promote CPF savings, especially in MediSave
- Encourage proper income declaration and financial planning
For SEPs, this scheme offers both immediate financial relief and long-term healthcare savings. Eligible individuals receive up to S$2,800 annually, with 10% as cash and 90% credited to their MediSave accounts.
Eligibility Criteria for S$2,800 Workfare Support (2025 Edition)
To receive the full payout, SEPs must meet these updated 2025 requirements:
1. Age Requirement
- Must be 30 years or older as of December 31, 2025
- No minimum age if you are a person with disabilities
2. Income Range
- Must declare annual net trade income between S$500 and S$3,000
- (New ceiling in 2025 increased from S$2,500 to S$3,000)
3. MediSave Contributions
- Required to contribute to MediSave for the work year
- Payments must be up to date by June 30, 2025
4. Property Ownership
- Must own one or no properties
- Property’s Annual Value (AV) must not exceed S$21,000
- If married, the combined property ownership must be limited to one, and the spouse’s assessable income must not exceed S$70,000
How Are the Payouts Structured?
| Payout Component | Percentage | Details |
|---|---|---|
| Cash Payment | 10% | Paid via PayNow (NRIC), bank, or GovCash |
| MediSave Contribution | 90% | Credited directly to CPF MediSave |
| Total Annual Amount | — | Up to S$2,800 per year |
The cash payout supports immediate expenses, while MediSave ensures healthcare preparedness and retirement growth.
How to Apply for WIS as a Self-Employed Person (March–April 2025)
Step 1: Declare Your Income
- File your net trade income with IRAS
- Declaration window: March 1 to April 18, 2025
Step 2: Make MediSave Contributions
- Calculate your required MediSave contributions
- Make full payment via the CPF website before June 30, 2025
Step 3: Update Banking Information
- Ensure your bank account or PayNow-NRIC is registered with CPF for fast and secure payout
- Deadline for updates: April 5, 2025
Step 4: Check Eligibility
- Visit the CPF Board website or use Singpass to check your eligibility status
- Alternatively, call the CPF Hotline for assistance
Upcoming Enhancements to the WIS Scheme in 2025
| Enhancement | Details |
|---|---|
| Higher Income Ceiling | Raised from S$2,500 to S$3,000 annually |
| More Inclusive Coverage | Benefits expanded to more SEPs |
| Adjusted Payouts | Reflect rising living costs and inflation |
These changes aim to include more low-income freelancers, gig workers, and informal job holders, making the scheme more inclusive.
Why Is WIS Crucial for Self-Employed Singaporeans?
With fewer formal employment benefits, SEPs often face challenges like:
- Irregular income
- Lower CPF savings
- Limited access to structured retirement plans
The WIS scheme provides a safety net that:
- Strengthens financial stability with quarterly payouts
- Boosts healthcare savings via MediSave
- Promotes accurate income reporting
- Supports long-term retirement readiness
FAQs
How do I qualify for the full S$2,800 payout?
You must earn between S$500–S$3,000 in annual net trade income, be aged 30 or above, and meet CPF MediSave contribution requirements.
Can I receive WIS if I’m below 30?
Yes, only if you have a certified disability. No age limit applies in that case.
How will the payout be delivered?
- Cash (10%) via PayNow (linked to NRIC), bank transfer, or GovCash
- MediSave (90%) directly to your CPF account
What if I miss my MediSave payment deadline?
You may not qualify for the payout unless you contribute before June 30, 2025 for the 2024 work year.
Do I need to reapply every year?
No formal application is needed each year, but you must declare income and pay MediSave annually to remain eligible.
Can I receive other support alongside WIS?
Yes. You may also qualify for the GST Voucher, CDC Vouchers, or ComCare depending on your income and circumstances.
What if I don’t have a bank account?
You’ll receive your cash component via GovCash, which can be collected at OCBC ATMs using your Singpass login.
Where can I check my WIS status?
Log in to your CPF account via Singpass, or visit cpf.gov.sg to check your Workfare eligibility and payout status.
Click here to know more.
Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.
