How to check your MPF contributions — and report a defaulting employer anonymously

This article is a rewrite of a report from February 2012.

(Editor’s note: parts of the original text were corrupted; “??” has been restored as “沖沖” (fuming) and “?主”/”?員” as “employer”/”employee” from context.)

A security guard learned from a single phone call that his boss had skipped months of MPF contributions — and hung up fuming. “We workers dare not speak up for fear of losing our jobs,” he sighed. But silence is not the only option: the MPFA accepts anonymous complaints, and checking your account is straightforward.

How can employees check whether contributions were made?

Members can call the MPF “contribution hotline” (183 3030) to be connected to their trustee and check the past three months’ contributions, or search the MPFA’s online register of defaulting employers and senior officers. The MPFA hotline is 2918 0102. Like the guard in the story, members who never check their accounts can go months without realising contributions have stopped — a regular check is the safeguard.

Anonymous or named complaint — what is the difference?

The MPFA accepts both: it gathers evidence from the employer, employee and trustee either way, and on a proven complaint orders the employer to make up arrears or pursues them through civil action. A named complaint aids evidence-gathering and the authority reports the outcome to the complainant; criminal prosecution generally requires the employee to testify, which anonymous complaints cannot support.

What should you do if contributions are missing?

Do not stay silent:

1. Verify the past three months’ records with your trustee first.
2. Call the MPFA hotline on 2918 0102 — anonymous complaints are accepted, so there is no need to fear for your job.
3. Keep payslips and your employment contract as evidence.
4. Named complainants receive updates on the investigation.

More on protecting your MPF rights in the MPF education guides.