Service Provided Payment of Accrued Benefits
     
 

Payment of Accrued Benefits

  
  A member’s enrollment in the Provident Fund Scheme will automatically be cancelled upon definite termination of employment with the government, or when there is a change of situation whereby the member becomes ineligible to enroll in the Scheme. In accordance with the relevant regulations, the Pension Fund shall determine the vesting ratios that the member is entitled to and proceed with the liquidation of accounts upon request of the member. The amount that the member is entitled to, will be paid off in one lump sum, within 5 working days from the date of the respective dispatch of determining the amount that the member is entitled to.  
   
  In case of death of the member, the accrued benefits will form part of his/her estate.  
   
  Determination of vesting ratios  
 
1) After receiving the data related to the cancellation of enrollment in the Provident Fund Scheme from the public service department of the member, the Pension Fund shall compose a file and submit it to the supervisory entity within 10 working days, and that entity shall determine the vesting ratios the member is entitled to in form of dispatch which will be published in the MSAR Gazette;
2) On the day of cancellation of enrollment, if a member is involved in a disciplinary process as a defendant, only the accrued benefits the member is entitled to in respect of the Personal Contributions Account will be determined while the process of determining the accrued benefits of other accounts will be suspended until there is a final decision on the disciplinary process.
 
 
  Application period for liquidation  
  The member can submit application to the Pension Fund for liquidation of his/her accounts, in a maximum of 3 times, within 5 years from the date of publication of the dispatch of determination of vesting ratios that the member is entitled to.  
   
  Application procedure and documents required for liquidation  
  The member shall submit the application, within the application period prescribed, to apply for the liquidation of all or by phases, up to a maximum of 3 times, of his/her accounts under the Provident Fund Scheme, through the following channels：  
   
  Apply online：  
  The member shall submit the online application (available in Chinese and Portuguese only) through our website or the App “Assuntos Governamentais” (choose “Outros”) including login with “Macau One Account”, fill up the application information, proceed with the facial recognition and one-time SMS verification to complete the application process.  
  Process flow video (Portuguese Version)  
  Terms of Use (Portuguese Version)  
  Frequently Asked Questions (FAQs) (Portuguese Version)  
   
  Apply in person：  
  The member or his/her attorney shall present the application personally, through the service locations, by submitting：  
 
1) Written form (Model no. RP-5A) provided by the Pension Fund and can be downloaded from "Forms Download"; and
2) Copy of identification document.
3) In the case of an attorney, a Letter of Attorney (sample for reference) and a copy of the attorney's identification document are required.
 
     
  Service locations – apply in person  
  The Pension Fund, Centro de Serviços da RAEM, Centro de Serviços da RAEM das Ilhas, the Central District Public Services Centre or the Islands District Public Services Centre – Seac Pai Van Station.

Online booking service 		 
     
  Liquidation process  
 
1) On the 3rd working day after receiving the member’s application for liquidation of accounts, the Pension Fund will proceed with the liquidation of the respective units of participation;
2) If no application is received by the end of the application period, the Pension Fund will officially proceed with the liquidation on the 3rd working day after such period is terminated;
3) The amount accrued to the member will be paid by the Pension Fund, in a lump sum, within 5 working days from the date of the respective dispatch of determining the amount that the member is entitled to.
 
     
  Time needed  
  Applicant who has fulfilled the conditions and submitted all the necessary documents will have the amount paid off within 14 working days(involves the liquidation of the investment funds) /8 working days(applies for the liquidation of the Bank Deposit Portfolio only) counted from the following day of the application. (Performance Pledge)  
     
  Application-progress Enquiry  
  Applicants can enquire through our website / App “Assuntos Governamentais” (choose “Outros”) about the progress of their application, or call our service hotline (853) 2835 6556.  
   
  Payment procedure  
 
1) The member shall come personally to our reception to collect the crossed cheque and to sign the respective acquittance ("Termo de Quitação"). In the case of an attorney, the Letter of Attorney (if this letter has not yet been submitted, or the one submitted before is only a copy authenticated by the Pension Fund) and his/her identification document have to be presented;
2) Is case that the member has not yet settled his/her debts with the MSAR or other public entities, the payment will be suspended until all debts are cleared.
 
   
  Prescription of rights  
  The amounts to which the member is entitled under the Provident Fund Scheme, have a prescription of ten years from the date these rights may be exercised.  
   
  Remarks  
 
1) No switching of application plans will be allowed after the cancellation of the member’s enrollment under the Provident Fund Scheme;
2) In case of death of the member, all his/her legal beneficiaries or their attorneys, shall approach personally the service locations referred above, within 5 years from the date of publication of the dispatch of determination of the member’s vesting ratios, to apply for liquidation of accounts, in a maximum of 3 times, by presenting the following documents:
2.1)  Legal document certifying the qualification of inheritance (e.g. the "Escritura pública de habilitação notarial de herdeiro" issued by the notary registry, or the "Inventário Judicial" issued by the court);
If the "Escritura pública de habilitação notarial de herdeiro" contains more than one legal beneficiary, an additional legal document showing the share of estate that each of them is entitled to is required (e.g. the "Escritura pública de partilha da herança" issued by the notary registry, or the "Declaração conjunta sobre o recebimento e a partilha dos montantes a que o contribuinte tem direito no âmbito do "Regime de Previdência dos Trabalhadores dos Serviços Públicos" with signatures of the legal beneficiaries recognized by the notary on the spot" (sample for reference);
2.2)  Identification document;
2.3)  Written form provided by the Pension Fund and can be downloaded from "Forms Download"):
a) form (Model no. RP-5B) - applicable to only one applicant; or
b) form (Model no. RP-5C) - applicable to more than one applicant.
2.4) If the applicant is an attorney, it is also necessary to bring along the Letter of Attorney and his/her identification document.
3) Determination of vesting ratios, liquidation process, payment procedure and lapse are the same as mentioned in the paragraphs above. The legal beneficiary who comes first to collect the cheque should present the certified copy/original of the document mentioned in 2.1, if the one submitted before is only a copy authenticated by the Pension Fund. The amount that the member is entitled to relative to that application for liquidation will be paid to each legal beneficiary in one lump sum and in form of a crossed cheque, by the Pension Fund in accordance with the distribution of estate stated or agreed in the related document.
4) If there is a need to apply for the "Inventário Judicial", the estate administrator designated by the court shall approach personally the service locations referred above, to apply for the "Declaration of Accrued Benefits for the Purpose of "Inventário Judicial". For details please browse "Emission of Declaration of Accrued Benefits for the Purpose of "Inventário Judicial"".  
     
Relevant laws & regulations
Article 15 of the Law no. 8/2006 《The Provident Fund Scheme for Workers in the Public Services》, as amended by the Law no. 3/2009.
     
Department in charge
Division of Contributors Support for the Provident Fund Scheme  
     
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