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Invalidity Scheme

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An insured person shall be considered as suffering from invalidity by reason of specific morbid condition of permanent nature either incurable or is not likely to be cured and no longer capable of earning, by work corresponding to his strength and physical ability, at least one–third (1/3) of the customary earnings of a sound insured person.

The scheme provides 24-hour coverage to employee who suffers from invalidity or death due to any cause and not related to his employment.

Benefits Under The Scheme
  • Invalidity Pension
  • Invalidity Grant
  • Constant-attendance Allowance
  • Survivor’s Pension
  • Funeral Benefit
  • Facilities for Physical and Vocational Rehabilitation and Dialysis
  • Return To Work Programme
  • Education Benefit

Qualifying Condition
To be eligible, Insured Person or dependants must fulfill the following conditions:


1) Qualifying Age Conditions
a) Before 1 January 2013:
    1. Maximum age limit to start contributing for the Invalidity Scheme is before the age of 50 years
    2. Maximum age limit for entitlement in order to receive the invalidity or survivors’ pension is before attaining the age of 55
b) After 1st January 2013 :
    1. Maximum age limit to start contributing for the Invalidity Scheme is before the age of55 years
    2. Maximum age limit for entitlement in order to receive the invalidity or survivors’ pension is before attaining the age of 60

2. Qualifying Contribution Conditions
i. Full Qualifying Contribution Condition

Insured persons are deemed to have fulfilled the qualifying period for full contribution if :-
    • Their monthly contribution has been paid for at least 24 months within a period of 40 consecutive months prior to the months in which their Invalidity Notice / month of his death is received by SOCSO;or
    • Their monthly contribution has been paid for not less than 2/3 of the complete months comprised between the dates when contribution first become payable and the Invalidity Notice/ month of his death are received by SOCSO.
    • Insured Person is entitled to receive full pension rate between 50% to 65% of the assumed average monthly wage subject to a minimum pension of RM 475 per month (effective from 1st January 2012)and a maximum pension of RM 1917.55 per month
ii. Reduced Qualifying Condition

Insured persons are deemed to have fulfilled the reduced qualifying period for contribution if:-
    • Their monthly contribution has been paid for not less than 1/3 of the complete months comprised between the dates when contribution first become payable and the Invalidity Notice/ month of his death is received by SOCSO
    • Insured Person is entitled to receive a reduced pension rate of 50% of the assumed average monthly wage subject to a minimum pension of RM 475 per month (effective from 1st January 2012)
iii.The total number of monthly contributions that has been paid within that period must be at least 24 months
SOCSO


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