Employee Provident Fund

Death Benefit

Employee Provident Fund – Death Benefit is a gesture of compassion by the EPF to it’s member’s next-of-kin (under EPF’s discretion). A one-time payment of RM2,500 will be considered and awarded to any of the deceased member’s eligible dependents. 

All member are being encourage to nominate your beneficiaries earlier to enable your next-of-kin to withdraw your EPF saving without COMPLICATIONS.

Member’s dependent will also be considered for the death benefit to support they go through the difficult time.

Death Withdrawal Conditions

•  Deceased member is Malaysian including Permanent Resident and Non- Malaysian
•  Member’s dependent of Parents / window / children / widower
•  Received applicant application within 6 months from the date of member’s pass away
•  For member who’s pass away aged 60 years below
•  Provided still have saving balance into EPF account’s

Document needed to apply

• Form KWSP 9KM and checklist
• Bank account details ( Saving / Current / Bank’s verification letter / Estate account of the deceased )
• Declaration of Marriage Letter ( Non-Muslim member who’s married before 1 Marth 1982)
• Power of attorney ( Official letter issued by the Courts / Legal Institutions / Amanah Raya Berhad )
• Original and copy of identification documents for verification
• Original and copy of Applicant’s Birth Certificate for verification ( when required)
• Member’s Death Certificate or nominee’s Death Certificate if nominee has passed away.
• Member’s Birth Certificate (if unmarried) OR Marriage Certificate OR divorce certificate if divorced.
• Recipient’s declaration of responsibility for Muslim – Appendix A
• Recipient’s declaration of responsibility for Non- Muslim – Appendix B

Nominee

• Nominee 18 year old and above could apply for withdrawal
• If the nominee passes away, their next-of-kin are eligible to apply for Death Withdrawal for Muslim.
• If the nominee passes away before the death of member, the member’s next-of-kin is eligible to apply for death withdrawal but if the nominee passes away after the death of the member, the nominee’s next-of-kin are eligible to apply for Non-Muslim.

Without nominee

• For member is Married – the member’s widow / widower, children or their guardian, parents, siblings or administrator.
• For member is UNMARRIED – the member’s parents, siblings or administrator.

关于公积金会员身故赔偿

死亡抚恤金是公积金 EPF 对其成员的近亲（由公积金酌情决定）表示同情的一种姿态。将考虑一次性支付 RM2,500 并奖励给已故会员的任何合格家属.

我们鼓励所有会员尽早指定您的受益人，以使您的近亲能够在没有并发症的情况下提取您的 EPF 储蓄
,会员的受抚养人也将被考虑获得身故抚恤金，以支持他们度过困难时期.

提款条件
1) 已故成员是马来西亚人，包括永久居民和非马来西亚人
2) 会员的父母/窗口/子女/窗口的家属
,自会员去世之日起6个月内收到申请人申请
3) 60岁以下的过世会员
4) 仍然有储蓄在 EPF 帐户


申请所需文件
1) 表格 KWSP 9KM 和清单
2) 银行账户详细信息（储蓄/往来/银行的验证函/死者的遗产账户）

3) 结婚声明书（1982 年 3 月 1 日前结婚的非穆斯林成员）

4) 授权书（由法院/法律机构/Amanah Raya Berhad 发出的正式信函）

5) 身份证明文件正本及副本以供核对

6) 申请人出生证明的原件和复印件以供验证（如需要）

7) 会员的死亡证明或被提名人的死亡证明（如果被提名人已经去世）。

8) 会员的出生证明（如果未婚）或结婚证或离婚证（如果离婚）。

9) 收件人对穆斯林的责任声明 - 附录 A

10)收件人对非穆斯林的责任声明 - 附录 B


公积金提名人提款
1) 18岁及以上的被提名人可以申请提款

2) 如果被提名人去世，他们的近亲有资格为穆斯林申请死亡提款。

3) 如果被提名人在会员去世前去世，则会员的近亲有资格申请死亡提款，但如果被提名人在会员去世后去世，则被提名人的近亲有资格申请死亡提款非穆斯林。


公积金没有被提名人提款
1) 对于已婚会员 - 会员的遗孀/鳏夫、子女或其监护人、父母、兄弟姐妹或管理人。

2) 对于未婚成员 - 成员的父母、兄弟姐妹或管理员