This benefit is in the form of free medical treatment at PERKESO’s panel clinic or government clinic/hospital.

Reimbursement
Employers or employees can claim for reimbursement of expenses incurred in respect of medical treatment at PERKESO’s non-panel clinic. Application can be made to PERKESO and the reimbursement is subject to such condition as determined by the Organisation or according to Fees Act 1951.

Period of Temporary Disablement

• Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than 4 days including the day of accident.

Employees who suffer from permanent disability due to employment injury can apply for this benefit. 

This benefit is paid to an employee who suffers from permanent disability subject to assessment by the Medical Board in Malaysia:

• If the permanent disablement assessment does not exceed 20%, benefit payment will be in lump sum.
• If the permanent disablement assessment exceeds 20%, the employee may receive 1/5 of the benefit payment in lump sum while the balance will be paid monthly for whole life.

Assessment and Payment

• Assessment and Payment Claims will be referred to the       Medical Board for permanent disability assessment.
• If the assessment does not exceed 20%, payment can be made in the form of lump sum.
• If the assessment exceeds 20%, the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for whole life.

This allowance is paid to foreign workers who is suffering from total permanent disablement (100%) and is so severely incapacitated as to constantly require the personal attendance of another person, certified by Medical Board or Special Medical Board or the Appellate Medical Board.

The allowance is fixed at RM500 per month.

These facilities are given to eligible employees  that includes :

1. Physiotherapy 
2. Supply of prosthetics, orthotics, implant and other appliances
3. Supply of orthopedics apparatus such as wheelchair, crutches, hearing aid, spectacles, special shoes and others

All expenses incurred for the above rehabilitation facilities will be borne by PERKESO based on stipulated rates, terms and conditions.

This benefit is paid to the eligible dependants of a foreign worker who has passed away.

Dependants and Daily Rate Share

i. The daily rate share for for Dependants’ Benefit is based on the following priorities:

ii. If an employee dies and does not leave any widow or widower or children, the Dependants’ Benefit will be paid to:

Benefit payment will be made to eligible dependants’ or person who bear the funeral costs. The payment amount is the actual amount of expenses or the maximum amount whichever is lower based on the receipt submitted to PERKESO.

The maximum amount of this benefit payment is as below :

• If the death occurs in Malaysia and the burial takes place in the country of origin, a maximum cash payment of RM7,500 including the cost of repatriation of the remains/ashes to the country of origin.
  Note: Maximum of RM4,500 can be reimbursed to the person who bears the cost of repatriating the remains/ashes while RM3,000 will be paid to the eligible dependants of foreign workers.
  
  
• If the death and burial only take place in Malaysia, a maximum amount of RM3,000 will be paid.
  
  
• For periodic benefit recipients, if death and burial occur in the country of origin, a maximum amount of RM3,000 will be paid.

What is Invalidity Pension?

• Payable to the eligible foreign workers who have been certified invalid by the Medical Board or Appellate Medical Board.
• Payable from the date Notice of Invalidity is received or from the resignation date if the foreign worker resigns after the Notice of Invalidity is received by PERKESO.
• Payable as long as the employee is suffering from invalid or until death.
• Invalidity occurred while in Malaysia and work pass is valid.
• Replaced with the Survivors’ Pension, if the foreign worker passed away while in receipt of the Invalidity Pension.

Eligibility Conditions

• Not attained 60 years old at the time Notice of Invalidity is received; or
• If the foreign worker exceeded 60 years old (with effective from 1 January 2013) at the time the Invalidity Notice is received, the foreign worker must show evidence of:
  I. Suffering from a specific morbid condition of permanent nature.
  II. Incapable of engaging in any substantially gainful activities.
  III. A morbid condition that has set in before attaining 60 years of age and has not been gainfully employed since then.
• Certified invalid by the Medical Board or Appellate Medical Board.
• Fulfils the qualifying period either Full Qualifying Period or Reduced Qualifying Period.

Full Qualifying Period
Foreign worker is deemed to have fulfilled the Full Qualifying Period if:

• Their monthly contribution has been paid for at least 24 months within a period of 40 consecutive months prior to the month in which their Notice of Invalidity is received by PERKESO; or
• Their monthly contribution has been paid for not less than 2/3 of the complete months comprised between the date when contribution first become payable and the Notice of Invalidity is received by PERKESO.

Invalidity Pension Rate for Full Qualifying Period

• The rate of Invalidity Pension for full qualifying period is from 50% to 65% of the average assumed monthly wage subject to a minimum pension of RM550 per month.
• The foreign worker is eligible to receive a pension at the starting rate of 50% of the average assumed monthly wage, increase by 1% for every 12 remaining monthly contributions. However, it is subject to a maximum pension rate of 65%.

Reduced Qualifying Period
Foreign Workers are deemed to have fulfilled the reduced qualifying period if:

• Their monthly contribution has been paid for not less than 1/3 of the complete months comprised between the date when contribution first become payable and the Notice of Invalidity is received by PERKESO.
• The total number of monthly contributions that has been paid within that period must be at least 24 months.

Invalidity Pension Rate for Reduced Qualifying Period

• The rate of Invalidity Pension for reduced qualifying period is 50% of the average assumed monthly wage subject to a minimum pension of RM550 per month.
  
  *Qualifying contribution condition refers to the monthly contribution paid under the PERKESO Invalidity Scheme.

What is Invalidity Grant?
Invalidity Grant is payable to foreign workers who have been certified invalid by the Medical Board or Appellate Medical Board but are not eligible for Invalidity Pension due to failure to fulfil any of the qualifying period.

The amount for Invalidity Grant is equivalent to the contributions paid by foreign worker and employer under Invalidity Scheme with interest. It is a one-time lump sum payment.

What is Constant-Attendance Allowance?
This allowance is paid to a foreign worker who is suffering from invalidity and is so severely incapacitated as to constantly require the personal attendance of another person as certified by Medical Board or the Appellate Medical Board.

The allowance is fixed at RM500 per month.

What is Physical Rehabilitation Facilities?

Physical rehabilitation facilities except vocational rehabilitation/ dialysis treatment/ Return To Work

Examples of physical rehabilitation facilities provided are as follows:

1. Physiotherapy
2. Occupational therapy
3. Supply of prosthetics, orthotics, implant and other appliances
4. Supply of orthopaedics apparatus such as wheelchair, crutches, hearing aid, spectacles, special shoes and others

All expenses incurred for the above rehabilitation facilities will be borne by PERKESO based on the stipulated rates and terms and conditions.

What is Survivor’s Pension?

Survivors’ Pension is payable to the eligible dependants of a foreign worker who dies irrespective of the cause of death.

Eligibility Conditions

• The foreign worker dies before attaining 60 years old in Malaysia and fulfils the qualifying conditions either Full Qualifying Period or Reduced Qualifying Period; or
• The foreign worker who is currently an Invalidity Pension recipient dies.
  
  

Full Qualifying Period

Foreign worker is deemed to have fulfilled the full qualifying period if:

• Their monthly contribution has been paid for at least 24 months within a period of 40 consecutive months prior to the month in which their Notice of Invalidity is received by PERKESO; or
• Their monthly contribution has been paid for not less than 2/3 of the complete months comprised between the date when contribution first become payable under the Act and the date of death.
  
  

Survivor’s Pension Rate for Full Qualifying Period

• The rate of Survivors’ Pension for full qualifying period is from 50% to 65% of the average assumed monthly wage subject to a minimum pension of RM550 per month.
• The dependants are eligible to receive a pension at the rate of 50% of their average assumed monthly wage, increased by 1% for every 12 remaining monthly contributions. However, it is subject to a maximum pension rate of 65%.

Note: If the deceased foreign worker is an Invalidity Pension recipient, the full rate of Survivor’s Pension is equivalent to the rate of Invalidity Pension previously received by the deceased.

Reduced Qualifying Period
Foreign Worker is deemed to have fulfilled the reduced qualifying period if:

• Their monthly contribution has been paid for not less than 1/3 of the complete months comprised between the date when contribution first become payable and date of death.
• The total number of monthly contributions that has been paid within that period must be at least 24 months.

Survivor’s Pension Rate for Reduced Qualifying Period.

• The rate of Invalidity Pension for reduced qualifying period is 50% of the average assumed monthly wage subject to a minimum pension of RM550 per month.

Dependants and Daily Share Rate

The daily rate of Survivors’ Pension is based on the following priorities:

If there is no widow/widower or children, the Survivors’ Pension will be paid to :

*Qualifying contribution condition refers to the monthly contribution paid under the PERKESO Invalidity Scheme.

Benefit payment will be made to eligible dependants’ or person who bear the funeral costs. The payment amount is the actual amount of expenses or the maximum amount whichever is lower based on the receipt submitted to PERKESO.

The maximum amount of this benefit payment is as below :

• If the death occurs in Malaysia and the burial takes place in the country of origin, a maximum cash payment of RM7,500 including cost of the repatriation of the remains/ashes to the country of origin.
  Note : Only a maximum of RM4,500 can be reimbursed to the person who bears the cost of repatriating the remains/ashes while RM3,000 will be paid to the eligible dependants of foreign workers.
  
  
• If the death and burial only take place in Malaysia, a maximum amount of RM3,000 will be paid.
  
  
• For Invalidity Pension recipients, if death and burial occur in the country of origin, a maximum amount of RM3,000 will be paid.