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Pertubuhan Keselamatan Sosial

Menara PERKESO,

281, Jalan Ampang,

50538, Kuala Lumpur

Customer Service : 1300-22-8000

Fax : 03 - 4256 7798

SMS : PERKESO ADUAN  

[No. I/C] [your complaint] 

send to 15888

 

Working Hours
8.00 AM - 5.00 PM (Monday-Friday)

 

 

 
 

Survivors' Pension

Survivors’ Pension is payable to the eligible dependants of an Insured Person who dies irrespective of the cause of death not related to employment.

Qualifying Conditions

  • The Insured Person dies before attaining 60 years (effective from 1 January 2013) of age and fulfills the qualifying conditions either full or reduced qualifying period
  • The Insured Person who is receiving Invalidity Pension dies regardless of his age


Full Qualifying Period
Insured Person shall be deemed to have completed a full qualifying period if:

  • Monthly contributions have been paid for at least 24 months within a period of 40 consecutive months preceding the month of his death; or
  • Monthly contributions have been paid for not less than 2/3 of the complete months comprised between the date when contribution first become payable and the date of his death provided that the total number of monthly contributions paid shall be at least 24 months

 

Survivors’ Pension Rate
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 RM475 per month.

The dependants are entitled to receive a pension at the rate of 50% of their average assumed monthly wage, increased by 1% for every 12 months’ contributions that are paid in excess of the first 24 months provided that the rate of monthly pension shall not in any case exceeds 65%.

Note: If the deceased was a recipient of Invalidity Pension, the full rate of Survivor’ Pension is equivalent to the rate of Invalidity Pension received by the deceased.

Example of calculations: 

  1. Monthly contributions have been paid not less than 24 months within 40 months
    Date of joining the scheme              >  01/09/2011
    Date of death                                 > 01/01/2015
    40 consecutive months preceding
    the month of death                         > 09/2011-12/2014

    employee contribution record1 svr
    Dependants are eligible to receive a pension at a rate of 50% of their average assumed monthly wage.
  2. Monthly contributions have been paid not less than 2/3 of the number of complete months when contributions first become payable
    Date of joining the scheme                > 01/07/1999
    Date of death 01/01/2015
    Number of monthly contributions
    from July 1999 to December 2014     > 186 months
    2/3 monthly contributions paid          > 2/3 x 186 months = 124 contributions
    employee contribution record2 svr

    Dependants are eligible to receive a pension at the rate of 59% of the average assumed monthly wage based on the following calculation:
    kiraan penakat

Reduced Qualifying Period
The rate of Survivors’ Pension for reduced qualifying period is 50% of the average assumed monthly wage subject to a minimum pension of RM475 per month.

Insured Persons are deemed to have fulfilled the reduced qualifying period if:

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


Example of Calculations:

  1. Monthly contributions have been paid not less than 1/3 of the number of complete months when contributions first become payable
    Date of joining the scheme                 > 01/07/1999
    Date of joining the scheme                 > 01/01/2015
    Number of monthly contributions        
    from July 1999 to December 2014      > 186 months
    1/3 monthly contributions paid           > 1/3 x 186 months = 62 contributions

    employee contribution record3 svr
    Based on the above example, dependants are eligible to receive a pension at the rate of 50% of their average assumed monthly wage.

Dependants and Daily Rate
The daily rate of Survivors’ Pension is based on the following priorities:

  • dependants daily rate1
    If an employee dies and does not leave any widow or widower or children, the Survivors’ Pension will be paid to:
    dependants daily rate2

 

 

 

 

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