Incapacitation Withdrawal

Our Incapacitation Withdrawal enables you to withdraw all of your EPF savings should your condition deprive you of your ability to work. In addition, eligible members will be given RM5,000 as an Incapacitation Benefit to help ease your burden.

Who Can Apply

Asset Publisher

Death Benefit

Subject to EPF terms and conditions.

Tax Exemption

Subject to IRB terms and conditions.

Annual Dividend

Enjoy annual dividends on top of your retirement savings.

Special Incentive

Up to 15% of total contribution or max RM300 this year.

Who Can Apply

Malaysians & non-Malaysians

Below 60 years of age

Have savings in EPF

Unemployed

Certified physically or mentally incapacitated by a medical practitioner

Must be assessed by the EPF medical board.

Appointment with the EPF medical board will be made upon counter submission

Special disclaimer

The EPF reserves the right to verify all medical reports that have been submitted with the relevant medical institutions.
If the EPF medical board deems the member is incapable of managing themselves or their finances, the payment can be made to any person deemed fit by the EPF.

What Can You Withdraw

You can withdraw your entire EPF savings

Incapacitation Benefit

For members that meet our requirements as below, we will award qualified members with an Incapacitation Benefit of RM5,000 at the EPF’s discretion.

Malaysians

Below 60 years of age

Have worked at least six (6) months continuously with previous employment

Employment terminated or loss of employment due to incapacity to work

Applied for Incapacitation Withdrawal within 12 months from the date of termination or loss of employment

What You Need

Form KWSP 9L (AHL) and Checklist

Form KWSP 9L (AHL) and Checklist

Copy of identification documents with original copy for verification

Copy of identification documents with original copy for verification

Bank passbook/Savings account statement/Current account statement/Verification letter of account holder’s details from Bank/Account holder’s details

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Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Original medical report with medical institution's, attending doctor's signature and stamp with full name, designation, MMC/MPM registration number and discipline

Confirmation letter by employer stating reason for resignation/ termination (Compulsory for public sector/ Optional for other sectors)

Medical Report Sample

Apply For Manual Withdrawal

Incapacitation Withdrawal - PM_IR

Payment Methods

Local Payments	Overseas Payments
Full payment in Ringgit Malaysia (RM) will be credited to your account If you hold an active account with our panel bank and your identification number matches the bank records	Full payment will be made via Foreign Demand Draft in the currency of your choice If your preferred currency is included in our list of approved currencies
If payment to your account is unsuccessful, you will be issued a Bankers Cheque	Full payment will be made via Foreign Demand Draft in US Dollars If your preferred currency is not available on our approved list

Important Reminder

1. Certify your 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 your panel banks

Refer to the list of EPF panel banks for direct crediting of payment into member’s account

EPF Panel Banks

3. Submit to EPF

Send your completed submissions at your nearest EPF Office or mail it to the EPF.

Post to EPF:

Jabatan Pengurusan Transaksi
Kumpulan Wang Simpanan Pekerja
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor

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