The Platform Worker Bill takes effect from 1 Jan 2025 and seeks to strengthen the protection for platform workers in three areas: (1) CPF contributions, (2) Work injury compensation (WIC)*, and (3) Platform work association representation.
More details can be found in the respective sections below.
CPF
Effective 1 Jan 2025, CPF contributions will be deducted from your platform earnings by Gojek and submitted to the CPF Board (CPFB) every month (if applicable).
If you are born on or after 1 Jan 1995
If you are born before 1 Jan 1995
Do note that opting in to CPF contributions may lower your take-home earnings.
CPF contribution is based on net earnings
Net earnings = Gross earnings x (100% - Fixed Expense Deduction Amount of 60%)
Fixed Expense Deduction Amount (FEDA) is the sum of all allowable business expenses incurred in earning platform income and is fixed at 60% for cars.
*This table indicates the maximum contribution rates for each age group and is merely for reference. For your specific contribution, please use the link below. Contribution rates may be lower for driver-partners whose Net Earnings is below $750 for the calendar month.
🔗 Calculate your platform workers’ CPF contributions here: www.cpf.gov.sg/member/tools-and-services/calculators/platform-worker-cpf-contribution-calculator
How will Gojek collect and pay my contributions to CPF or MediSave?
See examples below:
Platform Workers CPF Transition Support (PCTS)
Between 2025 and 2028, lower-income platform workers who are required to, or have opted in to make increased CPF Ordinary and Special Account contributions will receive monthly cash payments under the Platform Workers CPF Transition Support (PCTS) scheme. This helps to mitigate the impact of the increased CPF contributions on platform workers during this period of change.
🔗 Learn more about CPF contributions for platform workers here: www.cpf.gov.sg/member/growing-your-savings/cpf-contributions/saving-as-a-platform-worker
If you have any further questions, please contact CPFB at: https://www.cpf.gov.sg/service/write-to-us
Work Injury Compensation (WIC)
WIC is Work Injury Compensation* for accident-related injuries that have the same scope as employees under the WIC Act (WICA). It takes effect from 1 Jan 2025 and covers three components:
(1) Medical Expenses
(2) Medical Leave & Hospitalisation Leave
(3) Lump-sum Compensation for Death or Permanent Incapacity
*Note: WICA covers a wider range of compensations for work-related accidents and will therefore replace the existing free accident coverage for all driver-partners and Gigacover’s Freelancer Earnings Protection (FLEP) for Pro/Elite tier driver-partners from 1 Jan 2025.
FAQs
[GOJEK-SPECIFIC - EARNINGS]
Q: Will my order allocation be affected if I opt-in for CPF contribution?
A: No, order allocation will not be impacted regardless of whether you opt-in to CPF or not.
Q: How will my earnings be affected if I opt in for CPF contributions?
A: Take-home earnings will be reduced by your CPF contribution amount (Platform Worker contributions). Overall total earnings will increase taking into account the Platform Operator (Gojek)’s CPF contribution.
Q: Will my GoalBetter tier impact my CPF contribution rate?
A: No, CPF contribution rates are determined by the CPF Board based on your age, net earnings and whether you have opted in.
Q: What are the components included in gross earnings that contribute to CPF?
Gross earnings include payments received for:
CPF contributions are not payable on:
Q: How is Gojek going to fund the Platform Operator’s share of CPF contributions?
A: Gojek’s contribution will not come from incentives or service fees. To protect driver's earnings as well as maintaining and improving our services in support of the new Platform Worker Bill, we will be raising our platform fees with effect from 1 Jan 2025. This is automatically paid for by customers to Gojek.
Q: How will Gojek collect and pay my contributions to CPF or MediSave?
A: As the final % contribution can only be determined at the end of each month, Gojek will be collecting your CPF contribution at the maximum contribution rate for your age group as you earn.
The detailed breakdown will be reflected in your monthly earnings’ statements, which will be shared by 14th of the following month as well.
[CPF OPT-IN and MECHANICS]
Q: How do I opt in for CPF and how soon will it take effect?
For those who are born on or after 1 Jan, 1995, there is no need to opt-in as contribution is mandatory.
For those born before 1 Jan 1995, CPF contribution is optional for you. You will be able to opt-in via the CPFB’s portal from 1 Nov 2024. While there is no deadline to opt-in, do take note that you will not be able to opt-out once you have done so.
If you opt in by the 15th of the month, you will receive CPF contributions from the following month. Otherwise, CPF contributions will be received from the 2nd month onwards.
As an example, if you opt-in on 15 Dec 2024, your CPF contributions will begin on 1 Jan 2025. However, if you opt-in on 16 Dec 2024, your CPF contributions will begin on 1 Feb 2025.
This cut-off date applies to all platform workers, including newly onboarded driver-partners.
Once opt-in is successful, you will receive a confirmation email and SMS from the CPFB.
Q: If I do not opt-in, do I still need to contribute to my MediSave account?
A: Yes, if you do not opt-in, you will continue to be required to make CPF MediSave contributions, but will not receive the platform operator’s share of CPF contributions.
Gojek will deduct only your share of MediSave contributions from your net earnings and submit these contributions every month to the CPFB. These will be allocated to your MediSave account only.
Your MediSave contribution will be calculated and withheld in a similar method based on the maximum rate for MediSave.
Q: Is there a monthly earnings ceiling for CPF contributions?
A: Monthly earnings ceiling does not apply to platform workers. However, there is an annual earnings ceiling of $102,000 that applies on a per platform basis, and a CPF contribution limit of $37,740 per year.
Q: What are the contribution rates for platform workers?
A: Your CPF contribution rate depends on your earnings, age and opt-in status.
From 2025, the CPF contribution rates will gradually increase over 5 years to align with those of employees and employers, reaching up to 20% and 17% respectively by 2029.
You can verify your own contribution rates and amount using Platform Workers CPF Contribution Calculator. Do take note to use your Net Earnings (Gross Earnings eligible for CPF minus 60% FEDA) to calculate your contribution amounts.
Q: How do I calculate my CPF contribution amounts?
A: Your CPF contribution is calculated based on your monthly net earnings (after 60% FEDA - Fixed Expense Deduction Amount) and the contribution rate applicable to your age, calculated separately on a per platform basis, earnings and opt-in status on a platform.
EXAMPLE
Step 1: Determine your gross earnings on Gojek for the month: $3,000
Step 2: Apply your Fixed Expense Deduction Amount (FEDA): 60% expense for cars
Step 3: Compute your net earnings: $3,000 x (100%-60%) = $1,200
Step 4: Key in your net earnings into Platform Workers CPF Contribution Calculator to find out your contributions and allocation.
Q: What is Fixed Expense Deduction Amount (FEDA)? Can I just declare my expenses separately?
A: Your income that is subject to CPF will be computed based on earnings less a Fixed Expense Deduction Amount or FEDA.
For cars, FEDA is set at 60%, taking reference from the Fixed Expense Deduction Ratio developed by IRAS for the computation of net earnings for tax purposes. This is based on actual expense ratios, including industry feedback and surveys on the expenses of workers. The FEDA amount is deemed to be the sum of all allowable business expenses incurred (including but not limited to car rental, repairs, maintenance, fuel, EV charging, parking fees, platform service fees, ERP) in earning the driving income.
FEDA is applied to all platform workers to simplify the computation of CPF contribution for both platform operators and platform workers, regardless of income levels and delivery modes. As such, CPF contributions cannot be adjusted based on declared expenses.
Q: Is there any support provided during this transition period for CPF contribution?
A: Between 2025 and 2028, lower-income platform workers who are required to, or have opted in to make increased CPF Ordinary and Special Account contributions will receive monthly cash payments under the government’s Platform Workers CPF Transition Support (PCTS) scheme.
These payouts will be made directly by the government to your bank account - Gojek is not involved in this process.
Q: Do I need to apply for PCTS?
A: You DO NOT need to apply for PCTS as assessment is automatic.
🔗 Learn more about PCTS here:
cpf.gov.sg/member/growing-your-savings/government-support/platform-workers-cpf-transition-support
🔗 Calculate the amount you can receive from PCTS
www.cpf.gov.sg/member/tools-and-services/calculators/platform-workers-cpf-transition-support-calculator
If you have any further questions, please contact CPFB at: https://www.cpf.gov.sg/service/write-to-us
[TAX-RELATED]
Q: Will tax filing procedures change with the inclusion of CPF contributions?
A: There will be no changes to the current tax filing procedures. Look out for more information towards the end of the year to opt in for the IRAS pre-filing scheme.
Q: Will I receive any tax relief for my CPF contributions?
A: Yes, IRAS will take your CPF contributions into account for tax relief.
[WICA-RELATED]
Q: Who is eligible for WICA?
A: All driver-partners who transact on Gojek from 1 Jan 2025 are eligible for WICA for accident-related injuries.
Q: If I get injured while working with Gojek, can I claim it under WICA and my personal insurance?
A: You will only be able to claim for 1 policy at a time. If you submit your accident claim through Gojek, we will submit your claim under WICA and you may submit to your other policies (if any) only after the claim exceeds the WICA limit.
Q: How do I make a claim?
A: Please inform Gojek about the accident and injury as soon as possible to allow us to assist on the claims. More details will be shared at a later date regarding the coverage and claims process.
Q: What types of compensation will be provided under WICA?
A: Platform workers will have the same scope and level of WIC benefits as employees including:
However, compensation for light duties will not apply to platform workers. For more information, please refer to MOM’s website.
Q: Why does Gojek need to collect my personal, accident, and earnings data?
Gojek will need to collect and validate the information in order to submit an injury report (iReport) for a WIC claim in order for you to receive compensation for medical claims and earnings protection (where applicable). Please be informed that the process will be handled by Gojek and our Third Party Administrator (Jarvis Services Pte Ltd).
For more details on the required data and information, please refer to MOM’s website.
