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Malaysian citizens:

  • Directors who receive a salary/wage;
  • Full-time, part-time, temporary, moonlighting and probationary employees;
  • Employees up to the age of 75 years;
  • Employees who have withdrawn their savings under Pensionable Employee Withdrawal, and work with employers other than the federal or state governments, or any statutory bodies or local authorities;
  • Employees who have previously made a full withdrawal under Incapacitation Withdrawal and have since recovered and are re-employed in any service.