NTUC Explains Why Some SIRS Applications Are Rejected & What to Do About It

In case you’ve missed it, people who successfully applied (or are included) in the Self-Employed Persons Income Relief Scheme (SIRS) have gotten their first $3,000 payout.

Those that are auto-included or successful in their applications, they said, will be notified by this week.

But what if your application was rejected?

According to NTUC, these are some of the reasons why:

  • The applicant did not meet two or more criteria
  • One criterion was missed by a wide margin, eg AV of property
  • The applicant does not have trade income
  • Applicant’s employment income does not meet criteria
  • The applicant is not a Self-Employed Person (SEP) based on income declaration
  • The applicant has filed their income in the wrong category resulting in them having no trade income or exceeding the employment income limit

To check if you qualify, you might want to take NTUC’s mini-test for the SIRS here.

Some Wrongly Indicated Their Income

NTUC noticed that some SEPs declared the income that they have earned under “Employment” income.

Income earned from working as a SEP should be declared as “Trade Income”. Only income that you earned from working as an employee (with CPF contributions) or Directors’ fees should be declared as “Employment Income”.

If that is the reason why you’re not included in the SIRS or was rejected by NTUC, you can resubmit your application again.

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You Can Reclassify Your Income

They’ve worked out a solution with the government to allow people who’ve wrongly declared their income to reclassify it.

All you have to do is to answer  to the question, “Have you declared your income in the right category in your IRAS Notice of Assessment 2019/2020?” and the following questions and NTUC will help you.

Do note that with the additional steps required, they will need an extension of 3 to 4 weeks for the processing time of your application.

Just take note that making changes to your income declaration may affect your present and past years’ CPF obligations.

If necessary, the CPF board will follow up with your directly.

Your income declaration might also be passed to IRAS for further actions.

In other words, don’t submit false information lah.

Rejected Applicants Can Try Again

For applicants who were rejected in their application for SIRS, you can send in your application to NTUC again if:

  • Your circumstances have changed, eg you have moved to a residence with a lower AV
  • You made a mistake when filing your previous application
  • You filed your SEP income as Employment income instead of Net Trade Income to IRAS. You now want to re-classify how your income is categorised. You will need to follow the above steps when re-submitting.

However, take note that the SIRS eligibility criteria still apply and the application processing time is approximately 1 month.

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