Part-Time Workers Are Covered by MPF Too: the 60-Day Rule

Case study: Ka Hang works part-time as a courier, Mondays, Wednesdays and Fridays, four hours a day. Over three months he actually worked about 40 days. Must he join an MPF scheme? Yes. Under the MPF enrolment deadline 60 days rule, part-timers are covered just like full-timers. Here is how it works.

Do part-time employees have to contribute?

Yes — anyone 18 to 64 employed for at least 60 days, full-time or part-time. The MPF system covers all employees aged 18–64 whose employment lasts 60 days or more; employers must enrol them and contribute on time. Though Ka Hang worked fewer than 60 actual days, his employment period exceeded 60 days, so his employer must enrol him and pay up.

How are the 60 days counted?

By calendar days of the employment relationship — not days actually worked. The 60-day period counts calendar days of employment, regardless of hours worked or full/part-time status. Employers cannot dodge by chaining sub-60-day contracts: with evidence the relationship lasted 60 days or more, enrolment and contributions are still mandatory.

What about two part-time jobs at once?

Two jobs mean two MPF accounts, with each employer contributing separately. The MPFA reminds members holding two concurrent part-time jobs to keep two MPF accounts — each employer contributes based on that job’s relevant income. Contributing for one job does not cover the other.

How can employees check their employer paid?

Inspect contribution records, call the hotline, report suspected defaults. Employees can check employer-issued contribution records or verify accounts via trustees’ phone, online, ATM, annual statements and service centres — or call the 183 3030 hotline to check the last three months’ payments. Suspected non-enrolment or defaults go to the MPFA at 2918 0102. The MPFA’s leaflet on part-timers’ MPF rights is free at its offices and Home Affairs Enquiry Centres.

To compare charges and returns across MPF funds, visit MPF fund comparison.