PERKESO Invalidity and Survivors' Pensions: contribution rules, 50–65% rate, RM550 minimum

The Invalidity Pension (Pencen Ilat) and the Survivors' Pension (Pencen Penakat) are monthly payments under PERKESO's Invalidity Scheme (Lindung Pekerja). The scheme protects workers 24 hours a day against invalidity or death from causes unrelated to work. This guide summarises the conditions, rates and how to claim, based on PERKESO's official pages.

Invalidity Pension: for workers with a permanent disability

According to PERKESO, a person is considered an invalid when they have a permanent disability that cannot or is unlikely to be cured. As a result, they cannot earn a living at even one third of a normal worker's capacity.

The Invalidity Pension is paid to workers who:

• are confirmed as invalids by a PERKESO Medical Board or Appellate Medical Board;
• were under 60 when the Invalidity Notice was received, or are 60 or over but can show the disability began before 60 and they have not worked since;
• meet the contribution conditions, either the full or the reduced qualifying period.

The pension is paid from the date the Invalidity Notice is received, or from the date the worker stops working if that comes later. It continues for as long as the worker remains an invalid, or until death.

Survivors' Pension: for dependants of a worker who dies

The Survivors' Pension is paid to eligible dependants, such as a widow or widower and children, when a worker dies from a cause unrelated to work. The conditions:

• the worker died before age 60 and met the contribution conditions; or
• the worker died while receiving the Invalidity Pension, regardless of age. In this case, the Survivors' Pension equals the Invalidity Pension they received.

Contribution conditions

How much the pension is

• The rate is based on the worker's assumed average monthly wage.
• For the full qualifying period, the rate starts at 50%, plus 1% for every 12 monthly contributions above 24, up to a maximum of 65%.
• For the reduced qualifying period, the rate is 50%.
• The minimum pension is RM550 a month.

According to the Deputy Human Resources Minister, PERKESO pays periodic benefits on the 1st of each month. If that date is not a working day, payment is made on the working day before. A total of 84,590 people were receiving the Invalidity Pension as at 31 Aug 2026 (Berita RTM, 6 Oct 2026).

Other benefits under the Invalidity Scheme

• Invalidity Grant: a lump sum for workers confirmed as invalids who lack the contributions for the pension. It equals the worker's and employer's contributions to the scheme, plus interest.
• Constant Attendance Allowance: RM500 a month for recipients who need someone's care at all times, on a Medical Board recommendation.
• Funeral Benefit: up to RM3,000 (from 1 Jun 2024), or the actual cost if lower, based on receipts.
• Rehabilitation: physiotherapy, aids, vocational training and dialysis treatment, subject to PERKESO's rates and conditions.
• Education Benefit: education loans for children of Invalidity or Survivors' Pension recipients.

How to claim

1. Download the forms for the benefit type (Invalidity Pension or Survivors' Pension) on PERKESO's Permohonan Faedah (benefit application) page.
2. Complete the forms and prepare the supporting documents listed in the guide.
3. Submit the forms and documents at the counter of your nearest PERKESO office for checking and verification by an officer.

Death notices can also be made through PERKESO's Lindung Faedah portal. Recipients of periodic payments must also submit an annual declaration form (Regulation 117) every 12 months, signed before a person authorised by PERKESO.

Beware of scams

PERKESO assesses invalidity through its Medical Board, and claims are processed at PERKESO offices. Do not pay anyone who promises a "fast-approved invalidity pension", and never give your OTP or online banking password to anyone. You can check a suspicious message with our Scam Message Checker.