MPF Employee / Self-employed Person
1.	How can I check my MPF account balance?
2.	How can I check my contribution status and amount?
3.	How can I change my MPF fund portfolio?
4.	How can I obtain the latest updates on MPF fund performance?
5.	How to read my Member Benefit Statement?
6.	How can I transfer my MPF accrued benefits from other MPF service provider to Manulife or vice versa? How long will it take?
7.	How can I check my existing MPF Member Account Number and the Scheme Name?
8.	How can I withdraw my MPF accrued benefits? How long will it take?
9.	How much are the fees and charges?
10.	Why has an amount been deducted to offset Long Service Payment / Severance Payment (“LSP/SP”) from my account?
11.	What is the impact of the upcoming increase of minimum relevant income level for MPF contributions on my contribution status and amount?
12.	What action should be taken if my employer made a mistake to deduct the mandatory contributions from my payroll but my payroll is below the minimum level of relevant income?
MPF Employer
13.	How can I check the MPF contribution record for my employees?
14.	How can I check the MPF transaction record?
15.	How can I avoid MPF surcharge?
16.	When should I enroll my employees in an MPF scheme and make the first contribution?
17.	Where can I get the MPF enrolment form for my employees?
18.	How can I notify Manulife of employee termination?
19.	How can I arrange to offset the Long Service Payment / Severance Payment (“LSP/SP”) from the accrued benefits derived from employer contribution? How long will it take?
20.	How can I change the company information, e.g. company correspondence address?
21.	What actions do I need to take when the new minimum relevant income level for MPF contributions comes into effect?
22.	What will happen if I made a mistake to deduct the mandatory contributions of my employee whose payroll is below the minimum level of relevant income?

MPF Employee / Self-employed Person
1.	How can I check my MPF account balance?
	You may check your MPF account balance the following ways:
	(1)	Internet: Visit www.manulife.com.hk, login with your Manulife Customer Number (MCN) or HKID/Passport Number and PIN. Select “MPF & ORSO” at top, then you can check the account balance.
	(2)	Phone: Call our Smart Call hotline (852) 2108 1313. Key in your MCN and PIN, follow the instruction, then you can check the account balance.  Alternatively, call our Employee Benefits Member hotline (852) 2108 1388.
	(3)	Member Benefit Statement: Refer to the Annual Member Benefit Statement, which is mailed to your correspondence address during May to June every year.
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2.	How can I check my contribution status and amount?
	You may check your MPF contribution record the following ways:
	(1)	Internet: Visit www.manulife.com.hk, login with your Manulife Customer Number (MCN) or HKID/Passport Number and PIN. Select “MPF & ORSO” at top, click “Contribution Record” on the left, then you can access the contribution record for the past 24 months.
	(2)	Phone: Call our Smart Call hotline (852) 2108 1313. Key in your MCN and PIN, follow the instruction, then you can check the last contribution record.
	(3)	Member Benefit Statement: Refer to the Annual Member Benefit Statement, which is mailed to your correspondence address during May to June every year.
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3.	How can I change my MPF fund portfolio?
	You may change your MPF fund portfolio the following ways:
	(1)	Internet: Visit www.manulife.com.hk, login with your Manulife Customer Number (MCN) or HKID/Passport Number and PIN. Select “MPF & ORSO” at top, then choose “Fund Choice Management” on the left and submit your instruction(s) online.  Please click here for the online service guide.
	(2)	Phone: Call our Smart Call hotline (852) 2108 1313. Key in your MCN and PIN to submit instruction.  Please refer to the “Guide to Change your Fund Portfolio in Smart Call” for details.
	(3)	Fax/Mail in: Complete the form below and submit it to Manulife by fax to (852) 2104 3504 or by mail.
		Manulife Global Select (MPF) Scheme: Click here to download the form
		Manu-Lifestyle (MPF) Scheme: Click here to download the form
	Note:
	Please do not submit the same instruction via multiple channels to avoid confusion and duplication.
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4.	How can I obtain the latest updates on MPF fund performance?
	You can obtain the latest updates on MPF fund performance the following ways:
	(1)	Internet: Visit www.manulife.com.hk. Click “PRICES” at top, then select “Manulife Global Select (MPF) Scheme” or “Manu-Lifestyle (MPF) Scheme”, as appropriate, under “MPF & ORSO”. You can find the latest updates on MPF fund performance of the corresponding scheme.
	(2)	Member Benefit Statement: Refer to the Fund Fact Sheet attached with the Annual Member Benefit Statement, which is mailed to your correspondence address during May to June every year.
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5.	How to read my Member Benefit Statement?
	Please refer to the “How to Read Your Member Benefit Statement”.
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6.	How can I transfer my MPF accrued benefits from other MPF service provider to Manulife or vice versa?  How long will it take?
	Transfer from other MPF service provider to Manulife:
	Complete the “Election Form for Transfer of Accrued Benefits” and submit it to Manulife by mail or fax to (852) 2104 3504 for follow up. The transfer process generally takes 30 days to complete.
	Transfer from Manulife to other service provider:
	Complete the “Scheme Member’s Request for Fund Transfer Form” or the transfer form provided by your newly chosen MPF service provider and submit to your newly chosen MPF service provider, who will follow up your transfer request with Manulife. The transfer process generally takes 30 days to complete.
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7.	How can I check my existing MPF Member Account Number and the Scheme Name?
	You can check your MPF Member Account Number and the Scheme Name the following ways:
	(1)	Internet: Visit www.manulife.com.hk, login with your Manulife Customer Number (MCN) or HKID/Passport Number and PIN.  Select “MPF & ORSO” at top, then you can view your existing MPF Member Account Number and the Scheme Name.
	(2)	Phone: Call our Employee Benefits Member hotline (852) 2108 1388.
	(3)	Member Benefit Statement: Refer to the top of Annual Member Benefit Statement, which is mailed to your correspondence address during May to June every year. (Note: Your member account number may have been changed if your employee contribution account has been terminated and the accrued benefits have been transferred to the Preserved Account.)
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8.	How can I withdraw my MPF accrued benefits?  How long will it take?
	According to the MPF regulations, you can claim for payment of MPF accrued benefits if you fulfil one of the following conditions:
	Reason of Withdrawal and Eligibility Claim Form  Supporting Forms   1) Retirement - Claimant has reached age 65 or over (If the HKID Card does not contain the exact date of birth, it is assumed to be the last day of the month or the last day of the year as shown on the HKID Card.) Claim Form for Payment of Accrued Benefits - - 2) Early Retirement - Claimant has reached age 60 or over AND - Claimant has permanently ceased to be employed or self-employed (If the HKID Card does not contain the exact date of birth, it is assumed to be the last day of the month or the last day of the year as shown on the HKID Card.)  Claim Form for Payment of Accrued Benefits MPF(S) – W(SD1) Statutory Declaration for Claims for Payment of Accrued Benefits on Grounds of Early Retirement 3) Total Incapacity - Claimant is permanently unfit to perform the kind of work that he was last performing before becoming incapacitated  Claim Form for Payment of Accrued Benefits MPF(S) – W(M) Certificate of a Person’s Permanent Unfitness for a Particular Kind of Work MPF(S) – W(SD4) Statutory Declaration for Claims for Payment of Accrued Benefits on Grounds of Total Incapacity (If applicable) MPF(S) – W(SD5) Statutory Declaration made by Committee of Estate/Guardian of Member for Claims for Payment of Accrued Benefits on Grounds of Total Incapacity (If applicable) 4) Death - Only the personal representative of the deceased member can claim for payment of accrued benefits  Claim Form for Payment of Accrued Benefits  - - 5) Permanent Departure from Hong Kong - Claimant has departed/will depart from Hong Kong permanently AND - Claimant has not previously claimed payment for any accrued benefits in any registered scheme on grounds of permanent departure from Hong Kong on an earlier departure date Claim Form for Payment of Accrued Benefits MPF(S) – W(SD2) Statutory Declaration for Claims for Payment of Accrued Benefits on Grounds of Permanent Departure from Hong Kong (If the statutory declaration is made in the place other than Hong Kong, it should be signed by a notary public or registered solicitor.)  6) Small Balance Account - Claimant does not intend to become employed or self-employed within the foreseeable future AND - Accrued benefits kept in the scheme do not exceed HK$ 5,000 as at the date of the claim AND - At least 12 months have elapsed since the contribution day in respect of the latest contribution period for which a mandatory contribution is required to be made to any registered scheme by or in respect of the claimant’s account(s) under the Mandatory Provident Fund Schemes Ordinance AND - Claimant does not have accrued benefits kept in any other registered scheme Claim Form for Payment of Accrued Benefits MPF(S) – W(SD3) Statutory Declaration for Claims for Payment of Accrued Benefits from Small Balance Accounts
	Remark:
	Please refer to Section III of “Claim Form for Payment of Accrued Benefits” for details of eligibility for withdrawal and other required documents/information.
	To claim for payment of MPF accrued benefits, please complete the above forms and submit to Manulife with other required documents by mail. It generally takes 30 days to process upon receiving all the required documents. We will mail a cheque in HK currency to your correspondence address upon completion.
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9.	How much are the fees and charges?
	Fees and charges of Manulife MPF Schemes
	Please refer to the following ALL three items of the corresponding scheme:
	Manulife Global Select (MPF) Scheme Manu-Lifestyle (MPF) Scheme (1) Offering Document (please refer to the “Fees and Charges” section) (2) An Illustrative Example of Fees for Manulife MPF Conservative Fund (3) On-going Cost Illustrations
	Fund Expense Ratio (FER)
	Please refer to the Fund Fact Sheet, which can be accessed the following ways:
	(1)	Internet: Visit www.manulife.com.hk. Click ”PRICES” at top, then select “Manulife Global Select (MPF) Scheme” or “Manu-Lifestyle (MPF) Scheme”, as appropriate, under “MPF & ORSO”. You can find the Fund Fact Sheet of each fund by clicking the “PDF” icon under the “Chart” column at the right.
	(2)	Member Benefit Statement: The Fund Fact Sheet is attached with the Annual Member Benefit Statement, which is mailed to your correspondence address during May to June every year.
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10.	Why has an amount been deducted to offset Long Service Payment / Severance Payment (“LSP/SP”) from my account?
	According to sections 31IA and 31YAA of the Employment Ordinance, section 12A of the Mandatory Provident Fund Schemes Ordinance and the governing rules of the Scheme, your employer has the right to offset “LSP/SP” from accrued benefits derived from both the mandatory contributions and vested voluntary contributions (if any) made by the Employer to the Scheme. For more information about “LSP/SP”, please visit the Labour Department’s website at www.info.gov.hk/labour and refer to the Labour Legislation “The Employment Ordinance”.
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11.	What is the impact of the upcoming increase of minimum relevant income level for MPF contributions on my contribution status and amount?
	The impact of increasing the minimum relevant income level to HK$6,500 per month from its original level of HK$5,000 is that starting from November 1, 2011, an employee with a monthly relevant income of over HK$5,000 but less than HK$6,500 need not make any MPF contributions.  His/ her employer, however, will need to continue making MPF contributions (5% of the employee’s relevant income). If your current relevant income falls within this range, you should pay attention to whether your employer has made its part of contribution and no longer deducts the employee’s part of contribution from your relevant income. However, for contribution periods which start before November 1, 2011, you still need to make the employees’ contribution. Self-employed persons with relevant income less than HK$6,500 monthly or HK$78,000 yearly will not have to make contributions when the change takes effect from November 1, 2011. The change, however, will give impacted employees or self-employed persons a choice to decide whether they will continue with their regular contributions on a voluntary basis.
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12.	What action should be taken if my employer made a mistake to deduct the mandatory contributions from my payroll but my payroll is below the minimum level of relevant income?
	Manulife will issue a Calculation Discrepancy Report (CDR) to your employer about this situation. The overpaid mandatory contributions will be kept in your employer's cash account until we receive further instruction from your employer. Your employer should communicate the above with you and proceed with a refund should you wish to do so. Alternatively, you can make voluntary contributions with your overpaid mandatory contributions. In this connection, please ask your employer to provide the said instruction by completing the CDR and return to Manulife.
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MPF Employer
13.	How can I check the MPF contribution record for my employees?
	Please visit www.manulife.com.hk, login with your company Manulife Customer Number (MCN) and PIN. Click “Allocation Summary” on the left, then you can check the MPF contribution record for your employees for the past 24 months.
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14.	How can I check the MPF transaction record?
	You can check the MPF transaction record the following ways:
	(1)	Internet: Visit www.manulife.com.hk, login with your company Manulife Customer Number (MCN) and PIN. Click “Cash Account Balance” on the left, then you can check the transaction records for the past 24 months.
	(2)	Employer Monthly Package: Refer to the Employer Monthly Package, which is delivered to you either via your e-MPF account or by mail every month.
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15.	How can I avoid MPF surcharge?
	To avoid MPF surcharge, please note the following:
	*	Please settle the contribution data and payment by the 10th calendar day after the last day of the calendar month in which the relevant contribution period ends
	*	After submission of the contribution data and payment, you can check the allocation of contribution settlement via our website or the Employer Monthly Package
	*	Please follow up immediately if you receive any Calculation Discrepancy Report or follow up notice of contribution/payment from Manulife
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16.	When should I enroll my employees in an MPF scheme and make the first contribution?
	Non-casual Employee
	For non-casual employees aged between 18 and 65, you have to enroll them in an MPF scheme within the first 60 days of employment. The first contribution should be made on or before the 10th day after the last day of the calendar month in which the 60-day permitted period ends. If the employee ceases employment before completing the 60-day permitted period, then both employer and employee will be exempted from making mandatory contribution.
	Casual Employee
	For casual employees aged between 18 and 65, you have to enroll them in an MPF scheme within the first 10 days of employment. The first contribution should be made on or before the 10th day after the last day of the relevant contribution period in which the 10-day permitted period ends. If the employee ceases employment before completing the 10-day permitted period, both employer and employee are still required to make mandatory contribution from the first day to the last day of employment.
	“Casual Employee” refers to any employee working in the construction or catering industry and employed on a day-to-day basis or for a fixed period of less than 60 days.
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17.	Where can I get the MPF enrolment form for my employees?
	Please download the following Employee Enrolment Package and provide your employees with ALL four items.
	Manulife Global Select (MPF) Scheme Manu-Lifestyle (MPF) Scheme (1) Offering Document (2) Employee Enrolment Form (3) An Illustrative Example of Fees for Manulife MPF Conservative Fund (4) On-going Cost Illustrations
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18.	How can I notify Manulife of employee termination?
	You can notify Manulife of employee termination the following ways:
	If termination reason is employment termination and it does NOT involve any Long Service Payment / Severance Payment (“LSP/SP”) offset arrangement:
	(1)	Internet (Applicable only if you have registered to use the Manulife Contribution Express): Visit www.manulife.com.hk, login with your company Manulife Customer Number (MCN) and PIN. Click “Regular Submission” on the left and follow the instruction to report employee’s last date of employment together with the contribution data.
	(2)	Fax/Mail in: Report employee termination on the Remittance Statement or “Notice of Employee Termination Form” and submit it to Manulife by fax to (852) 2104 3504 or by mail.
	If termination reason is NOT employment termination, or if it involves Long Service Payment / Severance Payment (“LSP/SP”) offset arrangement:
	Complete the “Notice of Employee Termination Form” and submit it to Manulife by mail.
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19.	How can I arrange to offset the Long Service Payment / Severance Payment (“LSP/SP”) from the accrued benefits derived from employer contribution? How long will it take?
	Please refer to Section C of the “Notice of Employee Termination Form” for the details of “LSP/SP” offset arrangement. It generally takes 30 days to process the offset upon all contributions of the terminated employee are settled and the required document(s) is received.
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20.	How can I change the company information, e.g. company correspondence address?
	You can change the company information the following ways:
	Change of Company Correspondence Address / Email Address / Contact Person:
	(1)	Internet: Visit www.manulife.com.hk, login with your company Manulife Customer Number (MCN) and PIN. Click “Change Information” on the left, then you can update your company information.
	(2)	Fax/Mail in: Complete the “Change of Employer Particulars Form” and submit it to Manulife by fax to (852) 2104 3504 or by mail.
	Change of Company Name / Authorized Signature / Correspondence Attention Person:
	Complete the “Change of Employer Particulars Form” and submit it to Manulife by fax to (852) 2104 3504 or by mail. For change of company name, please attach the required supporting document(s) (Please refer to the mentioned form for details).
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21.	What actions do I need to take when the new minimum relevant income level for MPF contributions comes into effect?
	The minimum level of relevant income will be changed to HK$6,500 from November 1, 2011. You need to continue making the employer’s part of contribution for your employees whose relevant income is from HK$5,000 to less than HK$6,500, but please stop deducting the employees’ part of contribution from their relevant income. Please be reminded to make timely arrangement and update your contribution program/system to ensure that accurate contribution can be made so as to avoid any default contributions and penalties.  The change will give impacted employees a choice to decide whether to continue making regular contributions. As a caring employer, you may encourage your employees to continue making contributions on a voluntary basis so as to plan for their future.
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22.	What will happen if I made a mistake to deduct the mandatory contributions of my employee whose payroll is below the minimum level of relevant income?
	Manulife will issue a Calculation Discrepancy Report (CDR) to notify you about the situation. The overpaid mandatory contributions will be kept in your company’s cash account until we receive further instruction from you.  As an employer, you should communicate the above with your concerned employee and proceed with a refund should he/she wishes to do so. Alternatively, you may recommend the concerned employee to make voluntary contributions with the overpaid mandatory contributions. In this connection, when you get the consent from the concerned employee, please provide the said instruction by completing the CDR and return to Manulife.