A delivery rider working around Punggol in 2026 may be a platform worker, an employee or a genuinely self-employed contractor, and those classifications have different consequences. If you provide ride-hail or delivery services under a qualifying platform work agreement where the platform operator controls assignments or payment terms, Singapore’s Platform Workers Act can provide specific CPF, work injury compensation and representation rights.

The direct answer is to distinguish gross platform earnings, net earnings used for CPF, the worker’s CPF deduction, actual transport or equipment expenses and cash available to spend. They are five different figures. On top of money, check the exact moments when a delivery is a covered work task, because a work injury while waiting between tasks can be treated differently from an injury during an assigned collection or delivery.

This Working in Punggol guide is about the national platform-work system as it applies to people picking up or delivering in Singapore’s north-east. It is not a listing of current gigs, a recommendation for a specific delivery operator, or a promise of earnings. The rules changed on 1 January 2025, and the CPF contribution rates increased again in January 2026. Our official reference is MOM’s Platform Workers Act explanation.

The platform work system in one minute

Reader’s question	Short answer	Official check
Is every food-delivery worker an employee?	No. Platform work can be a distinct category from employment and independent business	MOM and IRAS definitions
When did new protection begin?	1 January 2025	Platform Workers Act
Must CPF be made?	Applicable platform workers and operators contribute under status, age and earnings rules	CPF contribution tables
Do CPF percentages apply to all gross order revenue?	Generally no; a fixed expense deduction is used to derive net earnings	CPF Fixed Expense Deduction Amount
What is 2026’s operator share for eligible increased-contribution workers?	Up to 7% of qualifying net earnings, depending on wage tier	2026 CPF tables
What is the worker share for the youngest eligible group?	Up to 13% in 2026 for those aged 35 or younger in the increased-contribution group	2026 CPF tables and calculator
Does a platform issue a payslip?	It must issue an earnings slip with required details	MOM earnings slip rules
Are work injuries covered?	Eligible platform work incidents are covered by WICA from 2025	Task and incident conditions
Is waiting between tasks covered?	Not automatically; MOM lists waiting between tasks as a non-covered situation	WICA platform work rules
Can riders seek collective representation?	Recognised platform work associations have statutory representation rights	MOM platform work associations

These are platform-work rules. A rider employed directly by a restaurant under a normal contract of service may instead be subject to the ordinary employment framework. Begin with the correct relationship before applying a contribution table.

Platform worker, employee and self-employed person are different

MOM defines a platform worker as someone providing ride-hail or delivery services, with an agreement with a qualifying platform operator, under the platform’s management control when delivering those services. The platform worker is not necessarily an employee.

A direct employee of a delivery company may have an ordinary contract of service with fixed salary and an employee CPF scheme. A person independently contracting with clients, controlling their own pricing and work without a qualifying platform operator may be self-employed. A person performing tasks through a platform operator under the statutory definition can form a third group.

IRAS’s platform worker explanation explicitly distinguishes this platform-worker group from employees and independent self-employed persons, while explaining that platform work income is generally treated as trade or business income for income tax purposes.

This distinction is not cosmetic. It affects the relevant CPF process, work injury protection, earnings records and who administers particular payments. Do not assume a person is covered by ordinary Employment Act annual leave just because the platform pays them per completed task.

Before signing up for platform work, read the platform agreement and understand the service provided, earnings calculation, operating rules, account ownership and methods of handling complaints.

What does platform management control mean?

MOM’s platform operator guidance explains the role of automated data in decisions such as whether workers can offer services, which tasks they receive or how much they are paid.

The operator definition also considers requirements or restrictions on how services are provided, bargaining over fees, choice of clientele, working patterns, performance incentives or penalties. The legal test is not that every service must use one particular phone app.

For a rider, this means the important question is not “Am I allowed to log off?” It is how the platform agreement and management controls satisfy the statutory definition as a whole.

Different platforms can offer different incentives, collection arrangements or task allocations. Do not infer another platform’s current terms from one rider’s story. Read your operator’s latest agreement and the official MOM list of notified platform operators when relevant.

The law’s intent is to give a defined category of platform workers protections while recognising that the relationship is not identical to ordinary employment.

Why Punggol does not have its own platform work rules

Punggol’s shopping areas, residences, campuses and services generate demand for movement of goods and people. A worker might deliver from a restaurant to an HDB block, or transport passengers to a business site. That creates a real geographical context, but it does not create separate Punggol CPF rates or compensation law.

Whether a specific route is safe and permitted depends on Singapore’s current transport rules and the actual road or path, not a general claim that “Punggol is bicycle-friendly”. Park connectors, pedestrian areas, roads, loading bays and private service corridors can have different access requirements.

Do not assume that the fastest-looking straight line on a map permits motorcycles, bicycles or power-assisted bicycles to use it. Delivery deadlines must be planned around lawful routes and safe riding, not shortcuts through an inaccessible area.

A local worker should also think about the practical cycle: waiting for an order, travelling to pickup, collecting, delivering, returning to a suitable area and deciding whether to accept another task. Only some of those stages generate pay, and work injury coverage depends on defined tasks.

The neighbourhood matters for costs and time. The legal framework remains national.

The CPF contribution change on 1 January 2026

The CPF Board explains that platform CPF contribution rates increased in 2026 for workers born on or after 1 January 1995, and those born earlier who chose to opt in to increased contributions.

For the group entitled to increased contributions and whose monthly net earnings exceed $750, the published 2026 operator and worker rates vary by age. The operator’s share is 7% across the published age bands, while the worker’s share varies.

Platform worker’s age	Platform operator share (2026)	Platform worker share (2026)
35 and below	Up to 7%	Up to 13%
Above 35 to 45	Up to 7%	Up to 14%
Above 45 to 50	Up to 7%	Up to 15%
Above 50 to 55	Up to 7%	Up to 15.5%
Above 55 to 60	Up to 7%	Up to 15.5%
Above 60 to 65	Up to 7%	Up to 12.5%
Above 65 to 70	Up to 7%	Up to 9.5%
Above 70	Up to 7%	Up to 5.5%

These are the *upper rates* in the standard 2026 schedule; lower earnings tiers have different formulas. The CPF Board’s 2026 announcement and its 2026 contribution explanation are the controlling sources.

Workers born before January 1995 who did not opt in have a different contribution regime, which should not be hidden inside the table above. Use the actual age, earnings tier and opt-in status in the CPF calculator.

A contribution rate is not a deduction from every dollar of gross orders

For platform work, CPF applies rates to net earnings after a Fixed Expense Deduction Amount (FEDA), not automatically to gross platform earnings. The CPF Board’s net earnings guide explains the formula.

Transport mode	Fixed Expense Deduction Amount
Car, van, lorry or truck	60%
Motorcycle, power-assisted bicycle or motorised PMD	35%
Bicycle, walking or using public transport	20%

The formula is net earnings = gross earnings × (1 − FEDA percentage) for relevant earnings and the applicable transport mode. CPF contribution rates then apply to that net earnings figure.

This FEDA is a standardised CPF calculation deduction, not a receipt proving that you actually spent that percentage on fuel or bike maintenance. Your real out-of-pocket costs can be lower or higher.

Different jobs completed using different transport modes are treated under the corresponding FEDA. Some incentives spanning modes can require the lowest applicable FEDA, as the CPF Board explains. Do not combine unlike transport modes into one guessed category.

Worked example: a bicycle rider and the 2026 CPF calculation

Consider an invented 30-year-old eligible platform worker born after 1995 who makes $3,000 of platform gross earnings in one calendar month entirely through bicycle-based delivery under a single platform operator. Assume the earnings and status meet the standard over-$750 tier.

The bicycle FEDA is 20%, so the CPF net earnings base is $3,000 × 80% = $2,400.

At the 2026 rate for workers 35 and below in the increased-contribution group, the worker share is up to 13%: $2,400 × 13% = $312. The platform operator share is up to 7%: $2,400 × 7% = $168. The simplified combined CPF is $480.

Ignoring other deductions or adjustments, the worker’s platform cash payment after the illustrative worker CPF deduction could be $3,000 − $312 = $2,688, before actual bicycle maintenance, equipment, food or other expenses.

This is not a recommendation to expect $3,000 revenue, nor a final CPF calculation for real workers. CPF has prescribed rounding, multiple earnings tiers, status and other technical rules. Use the official platform worker CPF calculator before relying on actual figures.

The platform’s $168 operator CPF share is separate; it is not additional cash paid to the worker’s bank account.

Worked example: changing from a motorcycle to a bicycle

A rider might work using a motorcycle for part of a month and switch to bicycle deliveries later. Applying a single percentage to the entire month’s gross earnings could produce the wrong CPF net earnings base.

Suppose the rider earns $2,000 gross from motorcycle jobs and $1,000 gross from bicycle jobs. The motorcycle FEDA is 35% and bicycle FEDA is 20%.

Net earnings for CPF would be $2,000 × 65% + $1,000 × 80% = $1,300 + $800 = $2,100, before other bonuses that may need a separate allocation rule.

That $2,100 is not the amount the rider has necessarily taken home. It is the net-earnings base on which applicable CPF contributions may be calculated. Actual petrol, bike maintenance and depreciation have not been measured.

The CPF Board’s mixed-mode example explains why transport mode is tracked per job. Riders should confirm that the operator has recorded the mode correctly.

Older workers who did not opt in must use a different table

For platform workers born before 1 January 1995 who did not opt into increased contributions, the CPF Board maintains different contribution arrangements. The 2026 stepped-up operator and worker rates above do not automatically apply to them.

The worker’s age, earnings band and opt-in status all matter. A person should check their platform worker record and CPF portal rather than relying on their friend’s rate or a screenshot from 2025.

Opting in can change allocation toward housing and retirement alongside MediSave, but it also affects the worker’s immediate cash available after deductions. Whether it is desirable involves personal circumstances and the actual scheme rules.

Do not describe the increased contribution as a “tax” that disappears without value. CPF is a statutory savings and insurance-support system with account-specific purposes. But equally, do not pretend it has no effect on the worker’s month-to-month cash flow.

Use the CPF platform-worker savings guide and contribution calculator for the individual case. A generic article should never invent a personal entitlement.

If you use two platforms, keep two earnings records

A person may carry out deliveries through more than one qualifying platform operator. The CPF Board says platform CPF computations are generally performed separately by each platform operator under the relevant earnings and annual ceiling rules.

Do not assume one operator automatically knows the entire amount earned elsewhere. For practical budgeting, collect the earnings slips from all platforms and then sum gross cash receipts, worker CPF deductions, actual costs and related tax records.

Remember that two “peak hour” bonuses on different platforms may require incompatible time commitments. Do not promise both systems the same physical pickup time if doing so creates unsafe riding or unreliable deliveries.

A spreadsheet with separate operator rows is more useful than an app screenshot showing the day’s gross incentive maximum. Monthly earnings vary with tasks, operating costs, platform rules and personal availability.

If CPF appears inconsistent across platforms, ask each operator about its own calculation and compare with the CPF Board’s official record.

An earnings slip is not an ordinary employee payslip

Under MOM’s platform worker record and earnings slip rules, qualifying platform operators must maintain prescribed worker and earnings records and supply an earnings slip that clearly identifies the individual as a platform worker.

The slip includes the operator’s name, worker’s name, earnings period, amounts paid including additional payments, amounts deducted, the worker’s CPF deductions or refunds, net cash amount and date.

MOM says a slip covering one task must be provided no later than two months after the task; for multiple tasks, no later than two months after the earliest task included. This does not mean every operator waits two months or that such a delay is desirable for budgeting.

Employees under an ordinary contract of service have separate MOM itemised payslip requirements. Do not misread a platform earning slip as proof that all ordinary Employment Act rights apply.

Retain records safely, review unexpected deductions, and keep platform earnings and ordinary employer salary separate when a person does both kinds of work.

Gross platform earnings are not the same as profit

A delivery task might show a dollar value. That is not automatically the rider’s profit. Real costs can include transport energy, insurance where applicable, device data, maintenance, replacement equipment, parking, legally required gear, vehicle depreciation and time spent waiting without an active paid task.

Some costs are recurring, some irregular and some shared with personal use. Record genuine platform-work costs using receipts and a consistent method, especially if needed for accurate income tax reporting.

A worker who uses a bicycle may have a lower fuel cost than a motorist but still uses equipment and time. A private-hire car driver might have vehicle rental, fuel and significant fixed costs independent of completed trips.

Do not simply use the CPF FEDA as an accurate household cash expense estimate. The FEDA is a standardised regulatory calculation and not proof of actual monthly spending.

The IRAS platform worker tax guide clarifies the treatment of platform income for tax purposes. For business expense deduction, use IRAS requirements, which are a different system from CPF FEDA.

A more honest weekly earnings calculator

Take a fictional Punggol rider who receives $480 in platform gross earnings across a week. Suppose the person spends 18 hours actively completing paid tasks and another seven hours waiting, travelling to a suitable area or handling other work-related gaps.

The weekly work-related commitment in the example is 25 hours. The gross earnings divided by those hours is $480 ÷ 25 = $19.20 per committed hour, not $26.67 as it would appear if counting only the 18 paid-task hours.

Now suppose documented attributable cash expenses in the week are $75. Gross less those expenses is $405, or $16.20 per committed hour, before any applicable CPF deductions and other financial obligations.

This is a personal business-planning example, not the official CPF contribution base or a guarantee of pay. The real allocation of waiting time and private-use costs depends on how a worker records and uses their time.

For a realistic month, repeat the method using actual data and multiple kinds of days. Do not assume a busy Friday dinner slot represents every Tuesday morning.

Platform work injury protection started in January 2025

The Platform Workers Act extended Work Injury Compensation Act (WICA) protection to qualifying platform workers for relevant accidents from 1 January 2025.

MOM says platform operators must provide Work Injury Compensation insurance to their platform workers. The statutory scope includes income loss compensation for medical leave or hospitalisation, qualifying medical expenses and lump-sum compensation for permanent incapacity or death.

However, platform worker coverage differs from ordinary employee WICA in important details. For example, MOM states that light-duty compensation does not apply to platform workers under the platform protection.

A rider should therefore read the specific MOM platform work injury page rather than assuming an ordinary employee’s claim calculator gives the right amount.

Injuries can be serious and complex. Seek appropriate medical care first, then follow the real reporting and claims process. A blog cannot decide an individual claim.

When is a platform rider performing covered work?

MOM defines relevant covered platform tasks with particular time boundaries. For pickup, coverage can begin when a worker starts travelling to the pickup or collection location and continue through the defined collection task. For delivery, it can run through travel and completion at the delivery destination, with specific rules about leaving the location or returning to the vehicle.

By contrast, MOM explicitly lists waiting for tasks, including personal errands between jobs, as an example of a situation not covered under the platform WICA rules.

This distinction is important for a rider who waits near a Punggol food outlet, cycles to a pickup, delivers to a block and then returns to wait for the next order. It is unsafe to describe that entire afternoon as one continuously covered trip without checking which tasks were assigned and accepted.

Other non-covered scenarios include deliberately caused injury, certain incidents involving alcohol or drugs and accidents involving unlawfully modified or improperly licensed vehicles, subject to the official wording.

The MOM platform WICA page is the correct reference for the full boundaries. Do not infer coverage solely from whether the delivery app is open.

Work injury expenses and 2026 claim amounts

MOM’s platform WICA guidance says that for qualifying accidents from 1 November 2025, the maximum medical expenses limit is $53,000 or one year from the accident, whichever limit is reached first. This is not a guaranteed payout; it is a cap for eligible treatment expenses.

Income loss compensation uses a form of Average Daily Earnings (ADE), based on the appropriate reference earnings and a Fixed Expense Deduction Amount. MOM’s calculation can look at a period of up to ninety calendar days before the accident, under the relevant rules.

For qualifying medical leave, the published structure pays full ADE for up to fourteen days, then two-thirds ADE for eligible later medical leave within the allowed period. For hospitalisation leave, the full-ADE window can extend to sixty days before the lower rate applies.

These summaries are not personal benefit computations. The type of medical leave, number of days, platform service, earnings from relevant operators and coverage dates matter.

If the injury has lasting consequences, the official assessment and statutory maximums determine any lump sum. For an individual with an actual accident, use MOM and appropriate professional advice.

Why safe riding is part of the earnings decision

A delivery worker can feel pressure to accept one more task or race to meet a predicted arrival. The real economic cost of an accident can be far greater than one lost incentive, and WICA has eligibility conditions and claim processes rather than universal coverage for every injury.

Use lawful travel paths, permitted vehicles, appropriate licences and current LTA rules. Do not use a motorcycle on a park connector or enter restricted service corridors because a map suggests a shorter journey. Similarly, a power-assisted bicycle has regulatory requirements different from an ordinary bicycle.

Poor weather, heavy rain, haze and low visibility can change a safe route’s practical risk. A worker should make decisions based on the actual conditions and employer or platform requirements, not a generic promise of fast delivery.

For Punggol riders, the waterfront, estate routes and transport interchanges can add route complexity. Check junctions, pedestrian crossings and permitted spaces rather than assuming a neighbourhood name guarantees cycling access.

An injured worker should follow real medical advice rather than returning before recovery to preserve platform ranking. The immediate safety question is separate from a dispute about compensation.

A hypothetical Punggol pickup-to-delivery incident

Imagine a fictional platform worker who accepts a delivery request, begins travelling toward the assigned restaurant and falls while crossing a permitted public-road junction. The worker obtains medical care and saves the task acceptance record and incident details.

The key WICA questions include whether this was a qualifying platform pickup task, the actual time and location, compliance with vehicle requirements, the medical outcome and the relevant operator.

If instead the worker was waiting between tasks while making a personal errand, the analysis could differ. An app being installed or logged in does not automatically prove that the incident occurred during a covered pickup or delivery.

This example deliberately does not declare a compensable claim. MOM’s process and actual facts determine eligibility. The correct worker action is treatment, truthful documentation and prompt reporting through the relevant platform and official channels.

Never invent a pickup acceptance time or alter GPS data to make a claim appear eligible. Accurate records are essential to a credible process.

Platform work associations and representation

The Platform Workers Act established representation rights for platform work associations. MOM explains that associations recognised by platform operators can negotiate on platform workers’ interests and represent them in relevant work disputes.

This is different from asserting that every rider automatically belongs to a union or that a group chat can legally negotiate on behalf of everyone. Recognition, membership and the statutory procedures matter.

If a worker disagrees with a platform earning calculation or policy, they should first identify the applicable operator procedure and retain the earnings slip and relevant task records. An association may provide support within its authorised role.

MOM’s platform work association guidance sets out the representation framework. It is more reliable than assuming ordinary employee industrial relations rules apply unchanged.

Collective representation may help workers raise recurring issues, but it does not promise that every incentive or algorithmic decision can be overturned.

How to verify a platform operator

A business using a mobile app is not automatically a qualifying platform operator. MOM requires operators meeting the statutory definition to notify the ministry and publishes information about them.

Before treating an opportunity as platform work under the Act, check the actual platform work agreement, operator identity, earnings slip and official MOM material. A third-party recruiter or training salesperson is not the same as the legal platform operator.

Beware job scams that claim a person must deposit money to unlock deliveries, create a cryptocurrency account to release earnings or hand over Singpass controls. Those patterns are not ordinary platform-worker CPF requirements.

Our Punggol guide to verifying job adverts and recruiters explains the separate scam checks.

A genuine platform agreement can still be economically unattractive. Verification of the business is a prerequisite, not proof that expected earnings will suit your circumstances.

Choosing delivery work alongside an ordinary salaried job

A resident may work full-time during the day and consider a small amount of delivery work during evenings. The decision should examine rest, contractual conflicts, transport costs, insurance and the tax or CPF treatment of the second income source.

Do not assume the same employer CPF calculation automatically includes platform earnings. Ordinary employee wages and platform net earnings fall under different contribution systems. The CPF Board explains how to identify and calculate both.

The worker should check whether another job’s confidentiality or conflict-of-interest rules create restrictions. Their two commitments should not overlap in a way that causes missed work duties or unsafe fatigue.

A short evening shift might look attractive if it starts near home, but the person may spend most of the time waiting or paying for vehicle costs. Record total commitment, not only actual delivery minutes.

For a parent or caregiver, consider who manages household responsibilities and whether income after costs is enough to justify the reduced family or rest time.

Budgeting for irregular earnings without an invented salary

Platform gross earnings can fluctuate because the number of accepted tasks, distance, platform terms, demand and worker availability fluctuate. This is not the same as a guaranteed monthly basic wage.

Set up a simple rolling record: date, operator, actual gross earnings, applicable worker CPF deduction, cash received, documented attributable expenses, time committed and any unusual issue affecting earnings.

After four to eight representative weeks, calculate the conservative end of your actual results rather than simply multiplying the best dinner rush by thirty days.

You may need to set aside money for tax or irregular maintenance. The official tax treatment depends on your circumstances and IRAS guidance. Do not use CPF deductions as proof that all income taxes or equipment costs have been settled.

If you are relying on platform work for essential bills, uncertainty itself is a cost that needs planning. A fixed salaried job may be preferable for some households even when the best platform workday shows a high gross hourly figure.

A fourteen-day platform-work reality check

Days 1–2: confirm whether the arrangement qualifies as platform work, identify the operator and read the actual agreement. Understand tasks, restrictions and earnings breakdown.

Days 3–4: check your CPF status, birth cohort, earnings tier and the correct 2026 platform contribution table. Estimate net earnings from the actual transport mode, separately from cash expenses.

Days 5–7: record total hours available, active tasks, waiting, gross earnings and work-related costs. Do not rush or break traffic rules to improve the figures.

Days 8–10: inspect earnings slips, task records and any variable incentives. Compare promised and actual conditions. Review platform WICA coverage boundaries.

Days 11–12: test how the plan fits the household, another employer and health. Identify the likely low-demand periods and any need for safer transport alternatives.

Days 13–14: compare real observed results with a salaried part-time or other work option. Continue, adjust hours or stop based on a realistic assessment rather than sunk equipment costs.

This is a practical planning checklist, not an official government programme. A two-week sample is too short to predict long-term earnings and should not be advertised as a reliable salary forecast.

Frequently asked questions

Is every food-delivery rider a platform worker under the Act?

No. The person needs to meet the statutory definition involving the platform agreement, qualifying service and operator management control. Direct employees and genuinely self-employed individuals have different arrangements.

When did Platform Workers Act protection start?

Singapore introduced the relevant protections from 1 January 2025.

Are platform workers entitled to ordinary Employment Act annual leave?

Not automatically. Platform work is a distinct relationship from ordinary employment. Check the applicable legal status instead of assuming employee leave rights.

Does platform CPF apply to gross delivery revenue?

Rates are generally applied to net earnings after a fixed expense deduction based on transport mode and other relevant rules, not directly to every dollar of gross earnings.

What is the fixed expense deduction for bicycle delivery?

20% under CPF’s published FEDA system. This is not a statement of the rider’s actual bicycle expenses.

What is the FEDA for motorcycle delivery?

35% under the published CPF system, subject to actual mode and relevant earning items.

Is the worker CPF contribution 13% for everyone?

No. Up to 13% in 2026 applies to a particular young age band in the increased-contribution group at the relevant earnings tier. Other ages, bands and opt-in status differ.

What about workers born before 1995?

Those who did not opt in to increased contributions remain under a different schedule. Check the current CPF table and individual status.

Can the platform issue an earnings slip instead of a salary payslip?

The Platform Workers Act specifically requires platform earnings slips, with its own required information and timing. This differs from ordinary employee payslip rules.

Does work injury coverage apply while I wait for the next order?

MOM identifies waiting between tasks as a scenario outside qualifying platform WICA coverage. Check whether a genuine pickup or delivery task was underway.

Are injuries while delivering covered?

Qualifying work accidents during defined platform pickup and delivery tasks can be covered, subject to the statutory conditions, exclusions and claims process.

Is light-duty compensation covered under platform WICA?

MOM says compensation for light duties does not apply to platform workers under this scheme.

Does the $53,000 limit mean every injured rider gets $53,000?

No. It is the medical expense cap for qualifying accidents from 1 November 2025, or one year from the accident, whichever limit is reached first. Actual eligible costs govern payments.

Can I combine earnings from more than one platform?

You can keep a combined personal cash-flow record, but CPF calculations are generally performed separately by platform operator under the applicable rules.

Are workfare payments automatic?

The CPF Board says eligible platform workers may receive Workfare Income Supplement based on assessment without separately applying, but personal eligibility still matters. Do not assume every rider qualifies.

Does an operator’s presence in Punggol guarantee strong demand?

No. Delivery and ride-hail demand changes with time, place, pricing and other conditions. No district figure can promise an individual’s income.

Official source desk and evidence boundaries

Verified for October 2026: the Platform Workers Act commenced its key protections in January 2025; platform worker relationships differ from employment and other self-employment; CPF rates increased for the relevant worker cohorts in January 2026; CPF net earnings use FEDA of 20%, 35% or 60% by transport mode; earnings slips and platform WICA have specific rules; qualifying injury coverage has defined task boundaries.

Hypothetical exercises: $3,000 gross monthly earnings, $2,400 net CPF base, mixed motorcycle/bicycle calculations, weekly waiting time and the pickup injury case are constructed examples, not an offer, a verified rider wage or an individual claim assessment. Actual rates, rounding, costs and tax outcomes must be checked in the official account and documents.

• MOM: Platform Workers Act overview
• MOM: Who is a platform worker
• MOM: Who is a platform operator
• IRAS: Platform worker status and income tax classification
• CPF Board: Platform worker CPF contributions and savings
• CPF Board: 2026 increased platform contribution rates
• CPF Board: Fixed Expense Deduction Amount
• CPF Board: Calculating net platform earnings
• MOM: Platform earnings slips
• MOM: Work injuries and claims for platform workers
• MOM: Platform work associations
• Working in Punggol series archive