What happens when you reach the limit for medisave (BHS) and special account (ERS)?

Hi anon,

Your employer is still required to contribute to your CPF in line with the allocation set out by the CPF Act.

MA contributions will flow over to SA (If SA not at FRS) or else they will flow to OA. BHS is a physical cap, you simply can't have more than that amount in your CPF MA. MA interest will flow over to either SA (if not at FRS) or else it will go to OA. SA interest stays in SA regardless.

SA contributions will still be credited to SA even if you have hit ERS. There is no limit on the amount you can have in your SA.

And yes, there is no limit on OA either.

After the BHS is reached, the contributions to the MA will be re-directed to the SA. Once the FRS limit is reached in the SA, the contributions will be re-directed to your OA.

Your employer is required by law to pay CPF contributions for employees.

https://www.cpf.gov.sg/members/FAQ/schemes/heal...