Death Withdrawal - KWSP Malaysia * [Skip to Main Content](#main-content) [![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/) ## Menu Display [Member](https://www.kwsp.gov.my/en/member) [Login ![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more) ![](/documents/d/guest/chev-left)[Back](#) [![](/documents/d/guest/register) Register As A Member How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview) [![](/documents/d/guest/property-1-money) Grow Your Savings Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings) [![](/documents/d/guest/leaf-1) Financial Life Stages Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages) [![](/documents/d/guest/property-1-health) Health Protection Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare) [![](/documents/d/guest/property-1-home) Home Ownership Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal) [![](/documents/d/guest/property-1-account-centre) Manage Your EPF Account Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre) [Employer](https://www.kwsp.gov.my/en/employer) [Login ![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more) ![](/documents/d/guest/chev-left)[Back](#) [![](/documents/d/guest/property-1-users) Introduction Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction) [![](/documents/d/guest/property-1-eye) Employer Responsibilities Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities) [![](/documents/d/guest/property-1-money) Online Platform Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform) [Corporate](https://www.kwsp.gov.my/en/corporate) [Login ![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more) ![](/documents/d/guest/chev-left)[Back](#) [![](/documents/d/guest/property-1-eye) About Us Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us) [![](/documents/d/guest/document-2) News & Highlights Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights) [![](/documents/d/guest/property-1-graph) Investment Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment) [![](/documents/d/guest/property-1-variant15) Careers Be part of our team](https://www.kwsp.gov.my/en/corporate/careers) [![](/documents/d/guest/property-1-document) Procurement Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement) [![](/documents/d/guest/property-1-buildings-landmarks) EPF Learning Campus A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus) [![](/documents/d/guest/property-1-human) Business Partners Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners) [![](/documents/d/guest/property-1-variant14) Connect With Us We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us) - [![](/documents/d/guest/frame-9780-1)](#) ## Search Bar Search Bar ![](/documents/d/guest/button) ![](/documents/d/guest/button-1) #### Suggestions : ## Asset Publisher [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker) CAREER Unlocking Financial Freedom in the Gig Economy [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal) HOUSING Now Everyone Can Own a Home with EPF [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips) LIFESTYLE Being Healthy: What It Means To You ## Language Selector EN EN BM [![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#) [![](/documents/d/guest/profile-main11)](#) ![](/documents/d/guest/hamburger-menu11) ## Death Withdrawal ![](/documents/d/guest/banner-member-manage-death-webp?download=true) ## Breadcrumb 1. [Member](https://www.kwsp.gov.my/en/member) 2. [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre) 3. Death #### 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)](/documents/d/guest/form_kwsp_9km_ahl_bm) 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](/documents/d/guest/lampiran_a_-_borang_perakuan___tanggungjawab__muslim__d3_25042017)) * Recipient's declaration of responsibility ([Non-Muslims - Appendix B](/documents/d/guest/lampiran_b_borang_perakuan__tanggungjawab__non_muslim__d3_21042017)) ### With Nomination #### Who Can Apply ![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true) Nominee ![icon card](/documents/d/guest/above_18y?download=true) 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 ![icon card](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?t=1701082503677&download=true) Member is married • The member's widow/ widower, children (or their guardian), parents or Administrator ![icon card](/documents/20119/44041/Active%20Members.png/40e3498f-2f83-c036-237b-02cc025cf940?t=1701082547124&download=true) 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. ![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true) A Malaysian citizen or Malaysian permanent resident; or a non-Malaysian citizen who was registered as an EPF member before 1 August 1998 ![icon card](/documents/20119/44038/i-Sayang%202Percent.png/bdd5a1bc-22ab-c607-40ed-3514b2120e81?t=1702437568950&download=true) Member’s dependent (widow/ widower/ children/ parents) Subject to member’s marital status ![icon card](/documents/d/guest/calender?download=true) Application for Death Withdrawal received within six (6) months from the date of member’s death ![icon card](/documents/20119/44053/Health%20Life.png/b2ada353-c8fc-8f5b-7531-6b96f6693711?t=1703039991638&download=true) Member passed away before age 60 ![icon card](/documents/20119/44050/Account.png/60c07e68-05d8-ff10-4188-ef042ca6963e?t=1701084665759&download=true) Member still has savings with the EPF #### #### # Required Documents ### Documents * [Form KWSP 9KM (AHL) (PA)](/documents/d/guest/form_kwsp_9km_ahl_pa_bm) 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)](/documents/d/guest/form_kwsp_9km_ahl_pa_bm) and Checklist * Power of Attorney (Official Letter Issued by the Courts/Legal Institutions/Amanah Raya Berhad) * Member's death certificate ![icon card](/documents/20119/44056/Institution.png/a50289e3-9a5a-6d67-298d-c74a6639cc0d?t=1701084610213&download=true) 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 ![icon card](/documents/20119/44038/Responsibility.png/6f1630c1-9450-684a-9587-cd12abb07d47?t=1701082501300&download=true) 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](https://www.kwsp.gov.my/documents/d/guest/form_kwsp_9km_ahl_bm) Additional Information ## Death (Payment/Reminder) Accordion ### Payment Methods ![back chevron](/documents/d/guest/more-1) 1. **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. 2. **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 ![back chevron](/documents/d/guest/more-1) 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](/corporate/panel-institutions) 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](/corporate/panel-institutions) 3. **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](/corporate/connect-with-us) --- Related Articles These articles might inspire you ## Asset Publisher [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+19+-+Healthcare+Planning.png/21d85f6b-f524-b43a-7e9d-aa05d4cae18e?t=1712216682635) LIFESTYLE Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335) ACCOUNT EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+6+-+Retirement+Calculator.png/6063b0f2-373b-eed5-d0a7-0412346201dd?t=1702010645517) PERSONAL FINANCE Are Your Savings Sufficient For A Comfortable Future?](https://www.kwsp.gov.my/en/w/article/retirement-calculator) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+14+-+Work+Life+Balance.png/5b310582-cb59-a8ca-7936-e81faaee384e?t=1702010646427) CAREER The Realities of Work-Life Balance](https://www.kwsp.gov.my/en/w/article/work-life-balance) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Smart+Savings-07-08.webp/f5843659-f8f6-d7b8-f019-a1de6022a0fe?t=1710746672691) PERSONAL FINANCE Save Smarter: Secure Your Future with EPF](https://www.kwsp.gov.my/en/w/article/invest-smarter) Hidden ![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png) Take control on your financial future. ![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png) ![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png) Member ## Menu Display * [Register As A Member](https://www.kwsp.gov.my/en/member/overview) * [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings) * [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages) * [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal) * [Health Protection](https://www.kwsp.gov.my/en/member/healthcare) * [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre) Employer ## Menu Display * [Introduction](https://www.kwsp.gov.my/en/employer/introduction) * [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities) * [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform) * [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus) Corporate ## Menu Display * [About Us](https://www.kwsp.gov.my/en/corporate/about-us) * [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights) * [Investment](https://www.kwsp.gov.my/en/corporate/investment) * [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners) * [Careers](https://www.kwsp.gov.my/en/corporate/careers) * [Procurement](https://www.kwsp.gov.my/en/corporate/procurement) * [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus) * [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud) * [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us) * [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts) Others ## Menu Display * [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions) * [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy) * [Security Policy](https://www.kwsp.gov.my/en/others/security-policy) * [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer) * [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips) * [Other Links](https://www.kwsp.gov.my/en/others/other-links) * [Forms](https://www.kwsp.gov.my/en/others/forms) * [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre) * [Achievements](https://www.kwsp.gov.my/en/others/achievements)