Uncle Lim Taxi Expert

On the money side, your company continues to pay your salary and then claims make-up pay from MINDEF (or where relevant you receive the difference directly), so the system is designed so you are NOT supposed to be out of pocket for serving, don't let anyone imply you're 'costing' yourself or the company by going. Do check that you're actually receiving your rightful amount during and after the ICT, and follow up if the numbers look off, because errors happen. Beyond the pay, the most important thing given how stressed you are is to get accurate information for your specific situation rather than forum reassurance, so confirm the deferment process, the grounds, and your full legal protections on the official NS portal or directly with your unit. This is too important and too consequential to rely on second-hand advice.