The loss of someone close is always a deeply emotional experience. During this difficult time, family members often face not only the challenge of coping with grief but also a range of practical responsibilities, including unexpected financial matters.
To offer support and compassion, the Employees Provident Fund (EPF) provides Death Assistance to help ease the financial strain on the families of members who have passed away.
What is the EPF death assistance?
The EPF Death Assistance is a one-off goodwill payment of RM2,500 provided to the next of kin of an eligible EPF member. This assistance is not part of the member’s EPF savings, but an additional benefit granted at the discretion of the EPF.
The main purpose of this Death Assistance is to help families manage funeral expenses and initial arrangements following a member’s passing.
Who is eligible?
The next of kin of a member who are eligible to receive this death assistance are:
- Spouse (widow or widower) – if the member was married
- Children – if there is no spouse or if the member was divorced
- Parents – if the member was single
What are the eligibility requirements?
To qualify, both the deceased member and the applicant must meet specific conditions:
How is the Death Assistance processed?
A Death Withdrawal application must first be submitted by the next of kin (applicant). If eligible, Death Assistance will be processed automatically; no separate application is needed if the Death Withdrawal has already been submitted.
Required documents
Bring a completed KWSP Form 9KM (AHL) along with the necessary supporting documents, including:
- The deceased member’s death certificate
- Your identification document
- Your active bank account details
- Proof of relationship to the member (e.g., marriage certificate for spouse, birth certificate for child)
- Any additional supporting documents as required
A full checklist is available on the EPF website.
Note: Bring both originals and photocopies of all documents, neatly organised, to ensure a smooth process at any EPF office.
After you submit your application
- EPF will process the Death Withdrawal application once all required documents are submitted.
- If the application is approved and all eligibility conditions are met, the RM2,500 EPF Death Assistance will be credited directly into the applicant’s active bank account.
Important points to note
Below are some common issues that may arise during a Death Withdrawal application, along with the steps that can be taken to address them:
| Common issues during application | How to resolve them |
|---|---|
| Incomplete or invalid documents | Check the list of required documents on the EPF website and ensure that all original documents and copies are brought to the EPF office. |
| Application submitted after 6 months | Ensure the application is made within 6 months from the member’s date of death. |
| No remaining balance in the member’s EPF account | Check the member’s EPF savings status in advance at the EPF office. |
| Relationship to the member cannot be proven | Provide valid supporting documents such as a marriage certificate, birth certificate, or other documents that verify the relationship with the member. |
Frequently Asked Questions (FAQ)
1. Is EPF Death Assistance taxable?
No. It is a goodwill payment and is not considered income.
2. Can the next of kin apply for the Death Assistance online?
No. It will be processed automatically once a Death Withdrawal application is approved, and this can only be done over the counter at an EPF office.
3. Will the next of kin qualify for Death Assistance if the member passes away after the age of 60?
No. This assistance is only payable if the member passes away before reaching 60.
4. Can the next of kin still receive Death Assistance if the member has no savings in the EPF?
No. The next of kin is not eligible for Death Assistance if there is no balance left in the member’s EPF account.
5. How long does the processing take?
The processing time depends on the documents submitted. It may take longer if the documents are incomplete or require further verification.
Feeling clearer about EPF Death Assistance?
The EPF Death Assistance is designed to provide a little extra financial support when it matters most. By understanding the eligibility criteria, and how to apply, you can help ensure your loved ones are supported during a difficult period.
For more details, visit www.kwsp.gov.my or your nearest EPF office.