Special Needs Savings Scheme (SNSS)

An ordinary CPF nomination pays out a lump sum — which, for an adult child who cannot legally receive or manage money, solves nothing and can force a deputyship application at the worst moment. The SNSS is the alternative built for exactly this: your CPF savings flow to your child as monthly payouts after your death.

The practical layer

• Minimum payout S$250 a month, for a minimum duration of one year.
• Eligibility: the child attends or attended a SPED school, or needs assistance with at least one of the six activities of daily living.
• The order matters: certification and the eligibility letter run through SNTC first — then the nomination is made at a CPF Service Centre appointment.

The SNSS covers the CPF slice of the plan; the Special Needs Trust holds everything else, and deputyship answers who decides. Three tools, three jobs — the map is in our turning-21 guide.