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 Condition
The insured person dies before attaining 60 years* of age and fulfills the qualifying conditions either full or reduced qualifying period. (*Act Amendment Effective 1 January 2013)
The insured person who is in receipt of Invalidity Pension dies regardless of his age.
Full Qualiying Period
Insured person shall be deemed to have completed a full qualifying period if:-
monthly contribution has been paid for at least 24 months within a period of 40 consecutive months preceding the month of his death; or
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 date of his death provided that the total number of monthly contributions paid shall be at least 24 months.
Survivors' Pension's rate
The rate of Survivors’ Pension for full qualifying period is from 50% to 65% of the average of assumed monthly wage subject to a minimum pension of RM475 per month (effective 1 January 2012).
The dependants are entitled to receive a pension at the rate of 50% of their average of 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 exceed 65%.
Note:
If the deceased was a recipient of Invalidity Pension, the full rate of Survivors’ Pension is equivalent to the rate of Invalidity Pension received by the deceased.
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 (effective 1 January 2012).
Insured persons 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 date of his death.
The total number of monthly contributions that has been paid within that period must be at least 24 months