Nomination: How Can You Nominate?
- Above 18 years of age
- Malaysians, Permanent Residents (PR)
- Non-Malaysians
(Registered as EPF Members
before 1 August 1998)
- The nomination can be made by members via KWSP i-Akaun app or by completing the EPF Form 4 and submitting it at any EPF Offices nationwide; OR
- Through a new nomination application and updating nomination information via i-Akaun (Member), followed by a visit to the nearest EPF Office for fingerprint verification.
Required Documents
| Document | Malaysian Citizens/ Permanent Resident (PR) | *Non-Malaysian Citizens |
|---|---|---|
| Nomination Form (KWSP4) | ✓ | ✓ |
| A copy of Identification Card / MyKad / MyTentera | ✓ | |
| A copy of valid passport | ✓ |
**You may update your nomination from time to time by submitting personally a new Nomination Form (KWSP 4). The new KWSP 4 Form will override your earlier nomination.
*** You are encouraged to bring along a copy of the nominee's identification for reference.
Who Can You Nominate?
- Any individual(s)
- Amanah Raya Berhad (ARB)
* Nominee for Muslim members is a Wasi/Administrator to apportion member's EPF savings upon the member's death to the rightful
beneficiary in accordance with Islamic Law.
*If a member chooses to nominate ARB as nominee, ARB will become Administrator to ALL (100%) of the member's savings.
Understanding The Nomination Process
Nomination Status
- Any individual(s)
- Amanah Raya Berhad (ARB)
* If a member chooses to nominate ARB as nominee, ARB will become administrator to ALL (100%) of the member's savings.
* If a member chooses to nominate ARB as trustee, ARB will become trustee for nominee under 18 years of age.
Understanding The Nomination Process
If No Nominee Has Been Appointed
In the event a member has not nominated anyone prior to their demise, their eligible heir(s) can submit a Death Withdrawal application to the nearest EPF Office.
Common Misconceptions About EPF Nomination
| Myths | Facts |
|---|---|
|
Savings will be transferred to ARB if unclaimed
|
Any unclaimed savings will remain with the EPF and will only be transferred to the Registrar of Unclaimed Monies upon the member reaching age 100 based on their date of birth |
| The death of one nominee invalidates the entire nomination | Only the portion assigned to the deceased nominee will be invalidated |
| The member's heir has to stake a claim of member's date of demise within three days, otherwise the savings will be automatically transferred to ARB | A nomination for Muslim member will only be invalidated if the nominee/administrator fails to make a withdrawal application within one year from the member's date of decease |
Revocation Of Nomination
Frequently Asked Question
What is nomination?
A nomination is a written declaration made by a member in KWSP Form 4 to elect/ nominate an individual(s) as beneficiary or as executor (wasi)/ administrator (for Muslims) to administer his/ her EPF savings upon his/her death.
Why do I need to make a nomination?
Members are encouraged to make nomination to facilitate and expedite the withdrawal of his/ her EPF savings by the nominated person(s) in the event of death. In the event that a member did not make any nomination for his/ her EPF savings, his/her next-of-kin may encounter difficulties when staking their claim on the deceased member's EPF savings.
How can I make a nomination?
Members are required to submit the Nomination Form (KWSP 4) with a copy of his/her MyKad and identification documents of his/her nominee(s) (encouraged). The completed nomination application form has to be submitted by the members themselves at any EPF branches and must be received by the EPF during his/ her lifetime.
When will my nomination be effective?
The nomination takes effect on the date the nomination form is received at any EPF branches.
Can a next-of-kin stake their claim when the member has named others as a nominee?
No, according to the EPF Act, payment will only be made to the person(s) named by the member as beneficiary(ies).
What does the new Nomination Policy (effective 1 January 2017) entails?
The new policy entails:
- Introduction of a new Nomination Form (KWSP 4), where members are required to submit copies of identification documents of all nominees together with the nomination form. This enables the EPF to ascertain the particulars of the nominee(s), as nomination registration henceforth will no longer require the presence of a witness.
- The use of "Acknowledgement of Responsibility" form when a Muslim Nominee/Recipient of a Muslim EPF member's savings applies for death withdrawal. This serves as a reminder to the wasi/administrator of his/ her role and responsibilities owed to the deceased to apportion the deceased's savings to the rightful heirs/beneficiaries in accordance with Islamic laws.
- Nomination is deemed void for Muslim members when:
Age of the nominee is below 18 years at the time Death Withdrawal application is submitted by the nominee or the heir.
Nomination is deemed void should the nominee fail to make a withdrawal application within the one-year duration from the member's date of death, and the application will be processed as without nomination.
Who can be named as a nominee?
MUSLIM MEMBERS
• Any Individual(s)
> Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.
OR
• Approved Institution – Amanah Raya Berhad (ARB)
> *ARB as nominee/administrator
*ALL (100%) of the member's savings.
NON-MUSLIM MEMBERS
• Any Individual(s)
> Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.
OR
• Approved Institution – Amanah Raya Berhad (ARB)
> *ARB as nominee/administrator
> ARB as trustee for nominee under 18 years of age
*ALL (100%) of the member's savings.
Responsibilities of nominee
MUSLIM MEMBERS
As a Wasi/ Administrator to apportion the deceased member's EPF savings to the righful beneficiary in accordance with the Islamic Law.
NON-MUSLIM MEMBERS
The nominee is the rightful beneficiary to the deceased member's savings.
• If the nominee predeceased the member, the rightful applicants are the surviving next-of-kin of the deceased member
• If the member predeceased the nominee, the rightful applicant is the nominee's next-of-kin.
What are the documents required?
Malaysian Citizens/ Permananet Resident (PR)
• A copy of Identification Card/ MyKad/ MyTentera
• Nomination Form (KWSP4)
Non-Malaysian Members
(Registered as EPF member before 1 August 1998)
• A copy of valid passport
• Nomination Form (KWSP4)
How to check nomination information?
• i-Akaun (Member)
• Visit the nearest EPF Office
