The gig economy in Singapore has become an integral part of the nation’s workforce, with platform workers—such as ride-hailing drivers, food delivery riders, and freelancers—playing a crucial role in daily life. While these workers contribute significantly to the economy, they often face challenges like irregular income, lack of job security, and limited access to social protection. To address these issues, the Singapore government has enhanced the Workfare Income Supplement (WIS) program, providing more financial support and stability for platform workers.
This article explores the WIS program for 2025, highlighting the new features, eligibility criteria, payout structures, and how these changes are designed to provide immediate financial relief and long-term stability for platform workers.
Quick Summary Table: Of The Workfare Income Supplement (WIS)
| Aspect | Details |
|---|---|
| Maximum Annual Payout | Up to $3,267 |
| Eligible Workers | Singapore citizens, 30 years and above, low-income platform workers |
| Payment Frequency | Monthly payouts, paid two months after the income month |
| Payment Methods | PayNow (NRIC-linked), GovCash (no bank account) |
| CPF Contributions | Mandatory for platform operators starting in 2025, full rollout by 2029 |
| Target Groups | Older workers (60+), individuals with disabilities, low-income workers |
| Official Website | www.singapore.gov.sg |
| Contact for Queries | Call 1800-222-2222 or email WIS@singapore.gov.sg |
What is the Workfare Income Supplement (WIS)?
The Workfare Income Supplement (WIS) is a government initiative introduced in Singapore to provide financial assistance to low-income workers while encouraging long-term savings. Initially launched in 2007, the program aims to reduce income inequality and enhance the economic stability of vulnerable workers, including older individuals and those with disabilities.
The WIS program is designed to benefit a wide range of workers, including self-employed individuals and platform workers. In 2025, significant changes have been made to the program to address the specific needs of platform workers, providing more consistent income and additional contributions to their Central Provident Fund (CPF) for retirement, healthcare, and housing needs.
Key Features of the WIS Program for 2025
1. Monthly Payouts for Financial Stability
One of the most significant updates in the WIS program for 2025 is the introduction of monthly payouts. This change aims to provide workers with a more predictable and stable income stream, making it easier to manage their day-to-day expenses.
- Payout Frequency: Monthly payouts will be made two months after the income month.
- Example: For income earned in January 2025, the payout will be made by the end of March 2025.
- Payment Methods: Workers will receive payments via PayNow (linked to their NRIC) or GovCash (for workers without a bank account).
This monthly system allows workers to have better control over their finances and plan their expenses effectively.
2. CPF Contributions by Platform Operators
Another major change in the 2025 WIS program is the requirement for platform operators to contribute to workers’ CPF accounts. This is a step toward ensuring that platform workers can accumulate retirement savings over time.
- Phased Rollout: The CPF contribution requirement will be gradually implemented, with full compliance expected by 2029.
- Split Contributions: The CPF contributions will be divided between the Ordinary Account (used for housing), the Special Account (for retirement), and the MediSave Account (for healthcare needs).
By ensuring that platform workers have retirement and healthcare savings, the government is creating a stronger safety net for these workers, helping them plan for the future.
3. Increased Support for Older Workers and Workers with Disabilities
The revised WIS program in 2025 places additional emphasis on older workers and individuals with disabilities. These groups are provided with higher payouts, recognizing the unique challenges they face, such as higher living costs and healthcare expenses.
- Maximum Annual Payout for Workers 60+: Workers aged 60 and above can receive up to $3,267 annually.
- Enhanced Support for Disabilities: Persons with disabilities will also benefit from the higher payout tiers to support their specific needs.
This targeted support helps vulnerable workers improve their financial security and cope with the rising costs of living.
4. WIS for Platform and Freelance Workers
The gig economy in Singapore has been growing rapidly, and the government has recognized the importance of platform workers—such as ride-hailing drivers, food delivery riders, and freelancers—in this sector. These workers, who traditionally fall outside the scope of conventional employment protections, can now benefit from the WIS program.
Who is Considered a Platform Worker?
- Ride-Hailing Drivers (e.g., Grab, Gojek)
- Food Delivery Riders (e.g., Deliveroo, Foodpanda)
- Freelancers and Self-Employed Individuals providing services through digital platforms
Platform workers, despite their unconventional employment status, are now eligible for financial support and social protection through WIS, ensuring that they are not excluded from the nation’s social safety nets.
5. Eligibility Criteria for WIS 2025
To qualify for the WIS 2025 payouts, platform workers must meet specific eligibility requirements:
- Basic Eligibility:
- Be a Singapore Citizen.
- Be 30 years or older by 31 December 2024 (exceptions apply for individuals with disabilities).
- Have total income (including Net Trade Income (NTI) for self-employed workers) that does not exceed $28,000 annually.
- Have worked at least two months in 2024, either consecutively or non-consecutively.
- Have made the necessary CPF and MediSave contributions during the qualifying period.
- Exclusion Criteria:
- Individuals under 30 years old (unless they have disabilities).
- Property owners with an annual property value exceeding $13,000 (as of 31 December 2024).
- Individuals with an annual assessable income exceeding $70,000.
- Self-employed individuals who hire employees.
These criteria ensure that the WIS program targets those who need the most support, including low-income workers and individuals without traditional employment benefits.
6. WIS Payout Amounts by Age Group
The payout amounts for WIS 2025 are based on the worker’s age group, with older workers receiving higher payouts. The payout structure includes both a cash component for immediate expenses and a CPF component for long-term savings.
| Age Group | Maximum Annual Payout | Cash Component | CPF Component |
|---|---|---|---|
| 30-34 | $1,700 | $300 | $1,400 |
| 35-44 | $2,250 | $450 | $1,800 |
| 45-54 | $2,850 | $600 | $2,250 |
| 55-59 | $3,150 | $750 | $2,400 |
| 60+ | $3,267 | $800 | $2,467 |
- Cash Component: This portion helps with immediate living expenses.
- CPF Component: This portion goes toward housing, retirement, and healthcare savings.
7. 2025 WIS Payment Schedule
The new monthly payout system ensures that workers receive payments regularly, improving financial consistency. The following is the 2025 WIS payment schedule:
| Work Month | Payout Date |
|---|---|
| January | End of March |
| February | End of April |
| March | End of May |
| April | End of June |
| May | End of July |
| June | End of August |
| July | End of September |
| August | End of October |
| September | End of November |
| October | End of December |
| November | End of January (Next Year) |
| December | End of February (Next Year) |
Payments will be processed via PayNow for those with linked NRICs or GovCash for those without bank accounts.
8. MediSave Contributions
Platform workers must also meet MediSave contribution requirements to qualify for WIS payouts. These contributions help workers save for healthcare needs.
| Age Group | Minimum MediSave Contribution |
|---|---|
| 30-34 | $240 |
| 35-44 | $270 |
| 45-49 | $300 |
| 50+ | $315 |
Higher contributions are required for workers earning more than $6,000 in NTI. These payments can be made in a lump sum or via GIRO instalments.
9. Steps to Qualify and Receive WIS Payouts
To qualify for WIS payouts, follow these steps:
- Declare Net Trade Income (NTI): Log into the myTax Portal to declare your self-employed income.
- Verify CPF Contributions: Ensure that your platform operator is making the necessary CPF contributions.
- Meet MediSave Contributions: Make the required MediSave contributions based on your income and age group.
- Use CPF’s WIS Calculator: Estimate your potential payouts and verify eligibility.
- Track Monthly Payouts: Monitor payments through PayNow or GovCash according to the official schedule.
10. Financial Planning Tips for Platform Workers
While the WIS program provides vital support, platform workers can take additional steps to improve their financial security:
- Track Monthly Earnings: Keep records of your income and expenses to better manage your cash flow.
- Utilize CPF Contributions Wisely: Use CPF savings for housing, healthcare, and retirement planning.
- Set Aside Emergency Funds: Aim to save at least 3-6 months’ worth of expenses for unexpected situations.
- Consider Additional Insurance: Explore private insurance options to cover potential gaps in healthcare or income protection.
FAQ About The Workfare Income Supplement (WIS)
1. Who qualifies for WIS 2025?
To qualify, workers must be Singapore citizens, 30 years or older, and earn below $28,000 annually. Specific exclusions apply.
2. How do I apply for WIS?
You can apply through the myTax Portal, ensuring your CPF and MediSave contributions are up to date.
3. How are WIS payments made?
Payments are made monthly through PayNow (linked to NRIC) or GovCash (for those without bank accounts).
4. What if I miss a payment?
Missed payments can be addressed by contacting the WIS helpline for assistance.
Conclusion
The enhanced WIS program in 2025 is a crucial development for platform workers in Singapore, offering more consistent financial support and long-term security. With up to $3,267 in annual payouts, monthly payments, and CPF contributions, the scheme provides a comprehensive safety net for those who may not have access to traditional employment benefits.
By staying informed about the program’s updates and ensuring timely contributions to CPF and MediSave, platform workers can maximize their benefits and secure greater financial stability for the future.
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