Death Withdrawal - KWSP Malaysia

Menu Display

Register As A Member How To Register And Benefits Of Becoming A Member Grow Your Savings Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri Financial Life Stages Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals Health Protection Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals Home Ownership Choices Of Housing Withdrawals Manage Your EPF Account Manage Account & Account Closure

Employer Login -

Back

Introduction Obligation To Contribute Employer Responsibilities Registration | Responsibilities | Update & Compliance Online Platform Convenience At Your Fingertips

Corporate Login -

Back

About Us Who We Are & What We Do News & Highlights Get The Latest News Investment Investment Information And Performance Careers Be part of our team Procurement Apply For Tenders Or Submit Quotations EPF Learning Campus A Centre Of Excellence For Social Security Business Partners Check The Latest Lists Connect With Us We Are Here To Help

Search Bar

Search Bar

Suggestions :

Asset Publisher

CAREER

Unlocking Financial Freedom in the Gig Economy

HOUSING

Now Everyone Can Own a Home with EPF

LIFESTYLE

Being Healthy: What It Means To You

Language Selector

Death Withdrawal

Breadcrumb

Death

Helping Loved Ones In Times Of Need

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. The member's dependent will also be considered for the Death Assistance to support them through this difficult time.

Individual
Institution

Required Documents

Form KWSP 9KM (AHL) and checklist
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)
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))
Recipient's declaration of responsibility (Muslims - Appendix A)
Recipient's declaration of responsibility (Non-Muslims - Appendix B)

With Nomination

Who Can Apply

Nominee

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

Member is married

• The member's widow/ widower, children (or their guardian), parents or Administrator

Member is unmarried

• The member's parents or Administrator

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

View

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

View

*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 Assistance

The Death Assistance 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).

Note: The EPF reserves the rights to make all final decisions pertaining to the Death Assistance.

A Malaysian citizen or Malaysian permanent resident; or a non-Malaysian citizen who was registered as an EPF member before 1 August 1998

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

Member still has savings with the EPF

Required Documents

Documents

Form KWSP 9KM (AHL) (PA) and checklist
Power of Attorney (Official Letter Issued by the Courts/ Legal Institutions/ Amanah Raya Berhad)
Member's death certificate
Nominee's death certificate (if nominee has passed away)

Who Can Apply

With Nomination

Form KWSP 9KM (AHL) (PA) and Checklist
Power of Attorney (Official Letter Issued by the Courts/Legal Institutions/Amanah Raya Berhad)
Member's death certificate

Amanah Raya Berhad

Note: Amanah Raya Bhd (ARB) will receive 100% of the EPF member's savings either as the nominee (for Muslim/non-Muslim members) or as a Trustee (for non-Muslim members - subject to the nominee's age and distribution) based on the applicable laws.

Without Nomination

Executor/ Executrix/ Trustee/ Deceased Member's Administrator

Note: 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.

Apply For Manual Withdrawal

Additional Information

Death (Payment/Reminder) Accordion

Payment Methods

Local Payments

a. Full payment in Ringgit Malaysia (RM) will be credited to your bank account
If you hold an active account with our panel bank and your identification number matches the bank records.

b. You will be issued a Bankers Cheque
If payment to your bank account is unsuccessful.
Overseas Payments

a. 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.

b. 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

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
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
Submit to EPF
Send your completed submissions at your nearest EPF offices or mail it to the EPF. Post to EPF:

JABATAN PENGURUSAN TRANSAKSI
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor

Find EPF Near You