Main image via RojakDaily
 
 

Passing of a family member is always very painful and can be a costly affair. While we do the best we can for our dearly departed, it is important that we equip ourself with the knowledge that help may be within reach.

 
As much as we don’t want to talk about this, at some point in our lives — comes loss of a loved one. Here we share some ways you can claim monetary aid in Malaysia.  However, you will need to be named as beneficiary first!

GIF
 

 
1. EPF/KWSP
 

 Image via Astro Awani

EPF is a good way of saving and we’re sure some will wonder what happens to all the hard-earned money once someone passes on. Well, when someone is pronounced dead, their next-of-kin can collect the deceased’s savings. Here are the criteria that one needs to fulfill:
 
- Deceased is Malaysian and a Permanent Resident or non-Malaysian under the age of 60.
- Application must be submitted within 6 month of the date the deceased were pronounced dead.

2. Bantuan Sara Hidup Tuntutan Skim Khairat Kematian (SKK)
 

Image via Semakan Online 

If the family member who passed on within 1 January 2019 – 31 December 2019 was a recipient of Bantuan Sara Hidup (BSH) or Bantuan Rakyat 1Malaysia (BR1M) , their next-of-kin can claim RM1000 under Skim Khairat Kematian from any Bank Simpanan Nasional (BSN) branch.
 
 

3.  Skim Insurans Takaful Pelajar

This insurance covers your 24 hours for one whole year! Different claims can be made based on the type of incident that caused a loved one’s death. However, this scheme is only applicable for students from any government or government-aided schools.
 
 
 

 
4. PERKESO / SOCSO

 Image via Astro Awani

All employees must of course be insured under the scheme of PERKESO. If a person dies due to employment injury, the person in charge of the funeral will receive funeral benefit up to RM 2000.
 
Otherwise, dependents will receive Survivors’ Pension if the person insured passed on before 60 years old or was a recipient of Invalidity Pension regardless of his age.
 
 
 
5. Penang State Government
 

 Image via myPenang

If the deceased is registered under the Penang State Government, the family shall receive RM 1000.

6. JPA

Image via Astro Awani
 
If the deceased was a working or retired civil servant, the beneficiary shall receive RM 3000 under Bantuan Mengurus Jenazah. The priority goes to widow/widower, children, parents and then family who was in charge of the funeral (requires Certificate of Oath).

 
Life is very unpredictable. Stay well informed so that you’ll know what to do in case of emergency.