Last updated : 04 Jul 2019    

Death

In the event of your untimely demise, your EPF savings are an assurance that your loved ones are well cared for financially in their time of need, and to aid them with funeral arrangements.

We encourage all members to nominate your beneficiaries early on, to enable your next-of-kin to withdraw your EPF savings without complications. Member's dependent will also be considered for the Death Benefit to support them through this difficult time.

Individual

What You Need

Documents

  • Form KWSP 9KM (AHL) and Checklist
  • Bank Account details (Savings account statement/Current account statement/Verification letter of account holder's details from Bank/Estate Account of the Deceased - under Deceased's Name)
  • Declaration of Marriage Letter (if member is a Non-Muslim married before 1 March 1982)
  • Power of Attorney (Official Letter Issued by the Courts/Legal Institutions/Amanah Raya Berhad (ARB))
  • Copy of Identification Documents with original for verification
  • Copy of Applicant's Birth Certificate with original for verification (if required)
  • Member's Death Certificate OR nominee’s Death Certificate (if nominee has passed away)
  • Member's Birth Certificate (if Member is unmarried) OR Marriage certificate (if Member is married) OR Member's divorce certificate/proof of relation to applicant (if Member is divorced)
  • Nomination

    Who Can Apply

    Requirements

    Requirements

    Nominee

    Requirements

    18 years old and above

     

    What You Can Withdraw

    • Nominated portion of the Member's full EPF savings

    What You Should Know

    For Muslims

    If the nominee passes away, their next-of-kin is eligible to apply for Death Withdrawal.

    For Non-Muslims

    If the nominee passes away before the death of the 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 is eligible to apply.

  • Without Nomination

    Who Can Apply

    Requirements

    MEMBER IS MARRIED MEMBER IS UNMARRIED
    The member's widow/widower, children (or their guardian), parents, siblings or Administrator  The member's parents, siblings or Administrator 

     

     

    What You Can Withdraw

    Members Savings/ Withdrawal Period ≤ RM2,500 > RM2,500 – RM25,000 > RM25,000
    For applications made less than two (2) months after member's death Lump sum payment
    First payment:
    RM2,500
    Second payment two (2) months after member's death:
    Full savings balance
    First payment:
    RM2,500
    Second payment two (2) months after member's death:
    RM22,500
    Balance savings to be paid based on Official Letter issued by the Courts/Legal Institutions/ARB
    For applications made two (2) months after member's death Lump sum payment Lump sum payment
    RM25,000
    Balance savings to be paid based on Official Letter issued by the Courts/Legal Institutions/ARB

    *If member passes away without making a nomination, any individual that is appointed by the court will act accordingly to apply for the Death Withdrawal.

  • Death Benefit

    About Death Benefit

    The Death Benefit is a gesture of compassion by the EPF to our 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. (widow/widower, child, or member's parents subject to member's marital status)

    * The EPF reserves the rights to make all final decisions pertaining to the Death Benefit.


    Requirements

    Requirements

    Deceased member is Malaysian (including Permanent Resident) and Non-Malaysian

    (registered before 1 Aug 1998)

    Requirements

    Member’s dependent (widow/widower/children/parents)

    Subject to member’s marital status

    Application for Death Withdrawal received within six (6) months from the date of member’s death

    Member passed away before age 60

    Requirements

    Member still has savings with the EPF

     

What You Need

Documents

  • Power of Attorney (Official Letter Issued by the Courts/Legal Institutions/Amanah Raya Berhad)
  • Member's death certificate
  • Nomination

    Who Can Apply

    Requirements

    Requirements

    Amanah Raya Berhad

     
     

    *Amanah Raya Bhd (ARB) will receive 100% of member’s savings either as a nominee (for Muslim/Non-Muslim) or as Trustee (for Non-Muslims - Underage nominees for the Non Muslim member will no longer be administered by the institution as the trustee when they reach 18 of age. The nominee can apply/administer their nominated portions accordingly) and will apportion member’s EPF savings to the next-of-kin/beneficiary based on applicable laws.

  • Without Nomination

    Who Can Apply

    Requirements

    Requirements

    Executor/Executrix/Trustee/Deceased Member's Administrator

     
     

    *If member passes away without making a nomination, any institution that is appointed by the court will act accordingly to apply for the Death Withdrawal.

  •   PAYMENT METHODS
    Local Payments Overseas Payments
    Full payment in Ringgit Malaysia (RM) will be credited to the applicant(s).
    If applicant hold an active account with our panel bank and identification number matches the bank records
    Full payment will be made via Foreign Bank Draft in the currency of the applicant(s) choice.
    If your preferred currency is included in our list of approved currencies
    You will be issued a banker's cheque
    If payment to your account is unsuccessful
    Full payment will be made via Foreign Bank Draft in US Dollars
    If your preferred currency is not available on our approved list
  •   IMPORTANT REMINDER

    1. Certify applicant(s) documents

    Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.

    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

    AUTHORISED PERSONS

    2. Double check the applicant(s) panel banks

    Refer to the list of EPF panel banks for direct crediting of payment into the applicant(s) account

    EPF PANEL BANKS

    3. Submit to EPF

    Send the completed application at your nearest EPF Counter.

    FIND EPF NEAR YOU

    4. Need more information?

    Refer to our product brochure for additional information.

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