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Commencement of Parts of Platform Workers Bill

1.       The passage of the Platform Workers Bill in Parliament on 10 September 2024 will provide protections for Platform Workers in three areas – housing and retirement adequacy through Central Provident Fund (CPF) contributions, financial compensation if they get injured while working, and a legal framework for representation. Ahead of the implementation of the protections on 1 January 2025, the Ministry of Manpower (MOM) will commence the following:

  1. [Ongoing] Platform Operators can purchase Work Injury Compensation (WIC) insurance for Platform Workers
  2. [From 1 November 2024] Platform Operators can voluntarily notify MOM of their status as a Platform Operator
  3. [From 1 November 2024] Older Platform Workers can start to opt in to increased CPF contributions
  4. [From 1 November 2024] Applicants can apply to register Platform Work Associations

(A) Platform Operators can purchase WIC insurance for Platform Workers

  • As of 22 October 2024, five insurers have been designated to offer WIC insurance for Platform Workers: Chubb Insurance Singapore Limited, Etiqa Insurance Pte. Ltd., Great Eastern General Insurance Limited, Income Insurance Ltd., and Singapore Life Ltd. The list of Designated Platform Operator’s Insurers can be found on the MOM website: https://www.mom.gov.sg/workplace-safety-and-health/wsh-service-providers/find-approved-service-providers/find-a-wic-designated-insurer.
  • Platform Operators can purchase WIC insurance for their Platform Workers from these designated insurers.
  • Insurers that are interested in offering WIC insurance for Platform Workers can apply to MOM.

(B) Platform Operators can voluntarily notify MOM of their status as a Platform Operator

  • From 1 November 2024, companies that self-assess to be a Platform Operator can voluntarily notify MOM of their status through an online form on MOM website.
  • MOM will provide a self-assessment checklist on MOM’s website to help companies assess if they are Platform Operators before they notify MOM.
  • Companies that notify MOM before 1 January 2025 do not need to notify MOM again after the Platform Workers Act takes effect on 1 January 2025.

(C) Older Platform Workers can start to opt in to increased CPF contributions

  • Platform Workers born before 1 January 1995 can choose to opt in to increased CPF contributions. Platform Workers who wish to opt in can do so via the CPF website anytime from 1 November 2024. There is no deadline to opt in and the decision cannot be reversed.
  • Platform Workers are encouraged to opt in early for a longer runway to benefit from compounding interest and boost their CPF savings, which can be used for housing and retirement needs.
  • Lower-income Platform Workers who opt in to increased CPF contributions can receive the enhanced Platform Workers CPF Transition Support (PCTS), to offset 100% of their share of increase in CPF Ordinary and Special Account contributions in 2025. Platform Workers need not apply for PCTS as their eligibility will be assessed automatically.
  • Platform Workers who do not opt in will continue to be required to make CPF MediSave contributions, and will not receive the Platform Operators’ share of CPF contributions.
  • Before opting in, Platform Workers can use the Platform Worker CPF Contribution Calculator to estimate their monthly CPF contributions and allocation into Ordinary, Special, and MediSave Accounts. Platform Workers can also use the Platform Workers CPF Transition Support Calculator to estimate the amount of  support they can receive under the PCTS.
  • Platform Workers can visit the CPFB website to find out more about the benefits of opting in: https://www.cpf.gov.sg/member/growing-your-savings/cpf-contributions/saving-as-a-platform-worker/born-before-1995.

(D) Applicants can apply to register Platform Work Associations

  • From 1 November 2024, applicants can submit applications to register Platform Work Associations for assessment. 
  • From 1 January 2025, the legal framework for representation will take effect. This means registered Platform Work Associations can start seeking recognition to represent Platform Workers through collective bargaining, conciliation and arbitration.