Nomination: How Can You Nominate? - KWSP Malaysia

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Nomination: How Can You Nominate?

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Nomination

Keep Your Loved Ones Secure

When you make a nomination, you are appointing an individual or institution to receive and oversee your EPF savings in the event of your demise. By planning ahead and nominating your beneficiary early, you can protect your loved ones from unnecessary complications and keep them financially secure even after you're gone.

Who Can Nominate

Above 18 years of age
Malaysians, Permanent Residents (PR)
Non-Malaysians
(Registered as EPF Members
before 1 August 1998)

Who Can Apply

Asset Publisher

Death Benefit

Subject to EPF terms and conditions.

Tax Exemption

Subject to IRB terms and conditions.

Annual Dividend

Enjoy annual dividends on top of your retirement savings.

Special Incentive

Up to 15% of total contribution or max RM300 this year.

Importance Of Nomination

Shorten the withdrawal process

Avoid the cost and hassle of obtaining third party documents from the land office/court

Ensure your rightful heir inherits your savings

Getting Started

The nomination can be made by members via KWSP i-Akaun app or by completing the EPF Form 4 and submitting it at any EPF Offices nationwide; OR
Through a new nomination application and updating nomination information via i-Akaun (Member), followed by a visit to the nearest EPF Office for fingerprint verification.

Required Documents

Document	Malaysian Citizens/ Permanent Resident (PR)	*Non-Malaysian Citizens
Nomination Form (KWSP4)	✓	✓
A copy of Identification Card / MyKad / MyTentera	✓
A copy of valid passport		✓

View

*Non-Malaysian citizens and have become an EPF member before 1 August 1998).
**You may update your nomination from time to time by submitting personally a new Nomination Form (KWSP 4). The new KWSP 4 Form will override your earlier nomination.
*** You are encouraged to bring along a copy of the nominee's identification for reference.

Who Can You Nominate?

Muslim Members
Non-Muslim Members

Any individual(s)
Amanah Raya Berhad (ARB)

* Nominee for Muslim members is a Wasi/Administrator to apportion member's EPF savings upon the member's death to the rightful
beneficiary in accordance with Islamic Law.
*If a member chooses to nominate ARB as nominee, ARB will become Administrator to ALL (100%) of the member's savings.

Understanding The Nomination Process

Nomination (Understanding Scenario) Muslim Accordion

Scenario 1

You appoint a nominee/trustee to distribute your EPF savings to the rightful heirs.

Scenario 2

The member nominates two nominees who are both aged 18 and above, with the portions of 70% (Nominee A) and 30% (Nominee B) respectively. Nominee B passes away prior to the member's demise.

Nomination Status

Nomination Status Accordion

Before 1 January 2017

Nominees aged 18 and above:

Death Withdrawal application can be made at any time
Nominee is eligible to apply
Payment will be disbursed to the Nominee whom act as an Administrator

Under 18 Nominees:

Nominee is eligible to apply upon reaching 18 years of age
Payment will be disbursed to the Nominee whom act as an Administrator

After 1 January 2017

Nominees aged 18 and above:

Death Withdrawal application has to be submitted within a year from member's date of passing
Payment will be disbursed to Nominee whom act as an Administrator

Under 18 Nominees:

The nomination is cancelled unless the Nominee/ Nominees reached 18 within a year
Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination

If no application is made within a year:

The nomination is cancelled
Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination

Any individual(s)
Amanah Raya Berhad (ARB)

* If a member chooses to nominate ARB as nominee, ARB will become administrator to ALL (100%) of the member's savings.
* If a member chooses to nominate ARB as trustee, ARB will become trustee for nominee under 18 years of age.

Understanding The Nomination Process

Nomination (Understanding Scenario) Non-Muslim Accordion

Scenario 1

Member nominates one or more nominees.

Scenario 2

Member nominates two nominees, both aged 18 and above with the portions of 30% and 70% respectively. One of the nominees passes away prior to the member's demise.

Checking Your Nomination Information

Check your nomination information at the nearest EPF Office. For faster and easier access to your EPF account, use i-Akaun or our mobile app.

i-Akaun (Member)

KWSP i-Akaun App

Visit your nearest EPF Office

If No Nominee Has Been Appointed

In the event a member has not nominated anyone prior to their demise, their eligible heir(s) can submit a Death Withdrawal application to the nearest EPF Office.

More About Death Withdrawal

Common Misconceptions About EPF Nomination

Myths	Facts
Savings will be transferred to ARB if unclaimed	Any unclaimed savings will remain with the EPF and will only be transferred to the Registrar of Unclaimed Monies upon the member reaching age 100 based on their date of birth
The death of one nominee invalidates the entire nomination	Only the portion assigned to the deceased nominee will be invalidated
The member's heir has to stake a claim of member's date of demise within three days, otherwise the savings will be automatically transferred to ARB	A nomination for Muslim member will only be invalidated if the nominee/administrator fails to make a withdrawal application within one year from the member's date of decease

Revocation Of Nomination

Revocation Of Nomination Accordion

Muslim Members

Upon the death of the nominee(s) during the lifetime of the member
By a Notice of Revocation of Nomination (KWSP 4A)
The member makes a new nomination by submitting the Nomination Form (KWSP 4)
Nominee has not reached 18 years old during the submission of Death Withdrawal made by the nominee/ next of kin
The nominee did not apply for Death Withdrawal within one (1) year from the date of the member's death
Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008

Download Nomination Form

Non-Muslim Members

Upon the death of the nominee(s) during the lifetime of the member
By a Notice of Revocation of Nomination (KWSP 4A)
The member makes a new nomination by submitting the Nomination Form (KWSP 4)
Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008

Download Nomination Form

Frequently Asked Questions View

Frequently Asked Question

Member Nomination FAQ Accordion

What is nomination?

A nomination is a written declaration made by a member in KWSP Form 4 to elect/ nominate an individual(s) as beneficiary or as executor (wasi)/ administrator (for Muslims) to administer his/ her EPF savings upon his/her death.

Why do I need to make a nomination?

Members are encouraged to make nomination to facilitate and expedite the withdrawal of his/ her EPF savings by the nominated person(s) in the event of death. In the event that a member did not make any nomination for his/ her EPF savings, his/her next-of-kin may encounter difficulties when staking their claim on the deceased member's EPF savings.

How can I make a nomination?

Members are required to submit the Nomination Form (KWSP 4) with a copy of his/her MyKad and identification documents of his/her nominee(s) (encouraged). The completed nomination application form has to be submitted by the members themselves at any EPF branches and must be received by the EPF during his/ her lifetime.

When will my nomination be effective?

The nomination takes effect on the date the nomination form is received at any EPF branches.

Can a next-of-kin stake their claim when the member has named others as a nominee?

No, according to the EPF Act, payment will only be made to the person(s) named by the member as beneficiary(ies).

What does the new Nomination Policy (effective 1 January 2017) entails?

The new policy entails:

Introduction of a new Nomination Form (KWSP 4), where members are required to submit copies of identification documents of all nominees together with the nomination form. This enables the EPF to ascertain the particulars of the nominee(s), as nomination registration henceforth will no longer require the presence of a witness.
The use of "Acknowledgement of Responsibility" form when a Muslim Nominee/Recipient of a Muslim EPF member's savings applies for death withdrawal. This serves as a reminder to the wasi/administrator of his/ her role and responsibilities owed to the deceased to apportion the deceased's savings to the rightful heirs/beneficiaries in accordance with Islamic laws.
Nomination is deemed void for Muslim members when:
Age of the nominee is below 18 years at the time Death Withdrawal application is submitted by the nominee or the heir.

Nomination is deemed void should the nominee fail to make a withdrawal application within the one-year duration from the member's date of death, and the application will be processed as without nomination.

Who can be named as a nominee?

MUSLIM MEMBERS
• Any Individual(s)

Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.

• Approved Institution – Amanah Raya Berhad (ARB)

*ARB as nominee/administrator

*ALL (100%) of the member's savings.

NON-MUSLIM MEMBERS
• Any Individual(s)

Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.

• Approved Institution – Amanah Raya Berhad (ARB)

*ARB as nominee/administrator
ARB as trustee for nominee under 18 years of age

*ALL (100%) of the member's savings.

Responsibilities of nominee

MUSLIM MEMBERS
As a Wasi/ Administrator to apportion the deceased member's EPF savings to the righful beneficiary in accordance with the Islamic Law.

NON-MUSLIM MEMBERS
The nominee is the rightful beneficiary to the deceased member's savings.
• If the nominee predeceased the member, the rightful applicants are the surviving next-of-kin of the deceased member
• If the member predeceased the nominee, the rightful applicant is the nominee's next-of-kin.