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What you should know about your EPF nomination? How to nominate the beneficiary of your EPF savings?

What you should know about your EPF nomination?


Your Employees Provident Fund (EPF) nomination allows you to specify the name of individual you wish to be the beneficiary of your EPF savings. All members above the age of 18 are encouraged to nominate as it will not only ensure that your savings will go to your intended beneficiaries, but also guarantees a speedy payment to your loved ones in the event of your death.

How do I nominate?

You must be at least 18-year old,
  • a Malaysian citizen; or

  • a non-Malaysia citizen, who
    • is already an EPF member prior to August 1, 1998; or

    • is a permanent resident,
to be eligible to make beneficiary nomination of your EPF savings.

Making a nomination is easy. All you need to do is complete the KWSP 4 Form and submit the form personally to the nearest EPF office as it must be received by the EPF during your lifetime. The form can be obtained from any EPF branch or downloaded from the EPF official website.

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


You are required to submit:
  • a copy of your identification card or MyKad for Malaysian citizen; or

  • a copy of your valid passport for non-Malaysian citizen; and

  • a copy of identification document for each beneficiary.

    • This is not applicable if you appoint Amanah Raya Berhad as nominee.

    • Photocopy the front and back of your MyKad onto a single A4 size paper.

Can I nominate more than one nominee?

Yes, you can name more than one nominee to receive your EPF savings upon death. You are required to list their names in KWSP 4 Form and specify how much each nominee should receive.

Form KWSP 4 - Nomination Details
Details of Beneficiaries on KWSP 4 Form


IMPORTANT: Strike a diagonal line across empty fields of name of beneficiary and complete the total nominees field to prevent unauthorised alterations.


Can I change my beneficiaries?

Yes, and you should do so whenever your circumstances change, such as marriage, divorce, additional new members or the death of a nominated beneficiary. To change your beneficiary, simply complete a new KWSP 4 Form. This will automatically cancel any earlier nomination. Therefore, you don't need to produce the death certificate of a deceased beneficiary.

If you nominated more than one beneficiary and one of them dies, only the portion that is bequeathed to the deceased beneficiary will be invalid, not the entire nomination. In the event of your death and you did not update your nomination, the surviving beneficiaries will receive their portion accordingly.

Who can be authorised as a witness of my nomination?

With effect from January 1, 2017, you can nominate your beneficiaries without the need of a witness with the introduction of the EPF new nomination policy. You are required to submit a copy of identification document for each beneficiary to ensure that the particulars of your nominee are correct.

Prior to 2017, you are required to have a witness present when making your nomination at EPF offices.

What about nomination for Muslim members?

For Muslim members, the beneficiary named can only act as an administrator or executor who will be responsible for distributing the EPF savings of the deceased to the rightful heirs in accordance to the Faraid Law.

In the event that your nominated beneficiary dies before your death or you die before the death of your nominated beneficiary, your nomination is revoked and your next-of-kin is eligible to apply for your EPF savings withdrawal.

If you appoint Amanah Raya Berhad (ARB), it will act as an administrator of your EPF savings. Amanah Raya Berhad will charge a service fee, which will be deducted from the EPF withdrawal amount.

For nomination made by Muslim members:
  1. If no Death Withdrawal application is made by the beneficiary within one (1) year from the date of the member's death, the nomination will be deemed void and application for withdrawal will be processed as without nomination.

  2. If a beneficiary has not attained the age of eighteen (18) years when the Death Withdrawal application is made by such beneficiary or the heir, the nomination is deemed void and application for withdrawal of member's EPF savings will be processed as without nomination.


What about nomination for non-Muslim members?

For non-Muslim members, if the beneficiary named is an individual, the individual is the actual rightful beneficiary, who will receive your EPF savings, regardless of the beneficiary's age.

If you appoint Amanah Raya Berhad (ARB), it will act as an administrator of your EPF savings and responsible for distributing your EPF savings to your rightful heirs based on your instructions. Amanah Raya Berhad will charge a service fee, which will be deducted from the EPF withdrawal amount. It will also act as a trustee for nominees below 18 years old.

If your beneficiary dies before your death, your next-of-kin is eligible to apply for your EPF savings withdrawal. However, if you die before your beneficiary's death, then your beneficiary's next-of-kin is the eligible applicant.

Can a will supersede an EPF nomination?

No, it won't. If you have made an EPF nomination, your nominee(s) shall be entitled to your EPF savings regardless of what you state in your will.

By the same token, a marriage or a divorce will not revoke any EPF nomination made. As such, it is imperative that members update their nominations should the need arises.

Can my nomination be revoked?

Yes, your nomination is automatically revoked upon the following circumstances:
  • Upon the death of the nominee during your lifetime;

  • By notice of revocation made by you as member in KWSP 4A Form;

  • By subsequent nomination made by you as member in KWSP 4 Form;

  • Upon making Age 55 Withdrawal on or before February 1, 2008 for nomination made before February 1, 2008, and hence if you start to contribute, remember to make a new nomination. However, if you made Age 55 Withdrawal after February 1, 2008, your nomination remains valid until a new nomination is made.

It is your responsibility to update your records at the EPF office to avoid any potential problem for your loved ones upon your death.

What happens to my EPF savings if I fail to nominate?

When nominations have not been made, EPF will pay your savings, in the event of death, to your next-of-kin that in the opinion of the EPF has the right to receive the savings.

If your EPF savings are RM2,500 or less:
  • The entire amount will be paid to your next-of-kin upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

If your EPF savings are more than RM2,500 but less than RM25,000:
  1. Application less than two (2) months from the date of member's death
    • Initial sum of RM2,500 will be paid to your next-of-kin upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

    • The balance will be paid after a two-month period from the date of the member's death.


  2. Application two (2) months after the date of member's death
    • The balance of savings will be paid to your next-of-kin upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

If your EPF savings are more than RM25,000:
  1. Application less than two (2) months from the date of member's death
    • Initial sum of RM2,500 will be paid to your next-of-kin upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

    • The second payment (not more than RM22,500) will be paid to the next-of-kin after two months from the date of the member's death.

    • The balance of the savings will be paid upon submitting the Letter of Administration, Grant of Probate, Distribution Order or Faraid Certificate from the party that administers estates such as Amanah Raya Berhad or the Court or the Land Office, respectively.


  2. Application two (2) months after the date of member's death
    • An amount of RM25,000 will be paid to your next-of-kin upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

    • The balance of savings will be paid upon submitting the Letter of Administration, Grant of Probate, Distribution Order or Faraid Certificate from the party that administers estates such as Amanah Raya Berhad or the Court or the Land Office, respectively.

Without EPF nomination, the process to obtain documents such as the Letter of Administration, Grant of Probate, Distribution Order or Faraid Certificate is time-consuming and costly. On the other hand, with EPF nomination, every process is free.


The eligible person to apply for Death Withdrawal is determined by your marital status:

If you are married:
  • Your spouse;

  • Your children;

  • Your estate administrator.

If you are single:
  • Your father and/or mother;

  • Your siblings (if parents have passed away);

  • Your estate administrator.

How can I check my nomination?

Don't just leave everything to your employer or human resources department to manage matters related to your EPF contributions. You should go to the EPF office personally to declare your nominee(s). Your employer is not allowed to submit your nomination to the EPF on your behalf.

If you wish to check your nomination, you may do so:
  • by visiting the nearest EPF office, and producing your identification card or MyKad over the counter for verification purposes or

  • via i-Akaun, an EPF Member's online account.

You can view your nomination information using i-Akaun but you are unable to update your nomination online. You must do so by completing and submitting KWSP 4 (AHL) Form, personally, to any EPF branches.


When will payment be made to my nominee?

If you have nominated, then after death, immediately payment will be made to your nominee upon receipt of the Death Withdrawal application in Form KWSP 9KM (AHL).

Did you know the fact about EPF Death Benefit?

A one-time Death Benefit will be paid to the one of the following dependents of the deceased member to ease their financial burden, subject to consideration by the EPF, when the application for Death Withdrawal is made:
  • Deceased member's widow or widower;

  • Deceased member's children; or

  • Deceased member's father or mother.

NOTE: The money for Death Benefits is not deducted from the member's EPF savings but comes from EPF's investment earnings. Thus, it is a payment made in addition to the Death Withdrawal of member's EPF savings.


The amount of Death Benefit is RM2,500 and will only be given once and subject to the following conditions:
  • Malaysian citizen;

  • Member has not attained the age of 60 at the time of death;

  • Application for Death Withdrawal is made within 6 months of the date of demise of the member.


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Knowledge Base ID :   1594
Last Reviewed :   September 2, 2018
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