How to check your employer is paying your MPF: three months of records at your fingertips

MPF benefits are the fruit of employees’ hard work — everyone should watch their MPF account to make sure the employer is contributing, and contributing the right amount. Employees can check the employer’s contribution records, or call the contribution hotline 183 3030 to check the last three months.

How do you check whether your employer is paying on time?

Call the contribution hotline 183 3030 — no employer consent or signature needed. If you find your employer hasn’t enrolled you, isn’t contributing or is underpaying, call the MPFA hotline 2918 0102 to report it so the authority can follow up immediately — even anonymous complaints are investigated.

What happens to employers who default?

The vast majority of arrears are recovered after MPFA follow-up; offending employers can face criminal prosecution. Civil recovery routes include filing with the Small Claims Tribunal, District Court or High Court; if an employer defies a court order, the MPFA can apply to seize company assets, freeze bank accounts, issue statutory demands, or petition for winding-up or bankruptcy. Repeat defaulters face fines of $5,000 or 10% of arrears, whichever is higher.

How does the MPFA monitor proactively?

All trustees have a statutory duty to report defaults, and the MPFA inspects employers regularly. Every complaint gets a file opened the same day, and inspections double as outreach and education.

To learn more about employer and employee contribution duties, visit the MPF education centre.