SOCSO Benefits Malaysia: How Much PERKESO Pays for Injury, Invalidity and Death (2026)

If you are injured and on medical leave for 4 days or more, PERKESO (SOCSO) pays Temporary Disablement Benefit of 80% of your average assumed daily wage, from RM30 up to RM158.67 a day. Permanent disability and death are paid at 90% (up to RM178.50 a day), invalidity pensions are 50% to 65% of your assumed monthly wage (at least RM550 a month), and the funeral benefit is up to RM3,000.

This guide explains each SOCSO benefit, which scheme pays it, and how to estimate the amount in RM. If you want the monthly deductions instead, see the SOCSO & EIS contribution table 2026.

Which PERKESO scheme pays what

Your monthly SOCSO deduction funds three separate protection schemes. Which one pays depends on what happened, not on how you feel about it.

• Employment Injury Scheme (Skim Bencana Pekerjaan): accidents at work and accidents while commuting to and from work. Funded by the employer's 1.25%.
• LINDUNG 24 Jam (non-employment injury): accidents outside working hours anywhere in Malaysia, such as a weekend motorcycle crash, a fall at home, or an accident while balik kampung for raya. Started 1 June 2026 and funded by the employee's share. It pays the same benefits as the Employment Injury Scheme.
• Invalidity Scheme (Skim Keilatan): permanent invalidity or death from any cause that isn't an employment injury, including illness. Only Category 1 employees (generally under 60) are covered.

You get one benefit per accident. If PERKESO classifies an accident as an employment injury, you can't claim it again under LINDUNG 24 Jam.

Job loss is handled by a different law (EIS, Act 800). That is covered in our EIS job search allowance guide.

What "assumed wage" means

PERKESO doesn't pay a percentage of your actual payslip. Every SOCSO wage band has an assumed monthly wage (gaji andaian), and benefits are based on the average assumed wage from your contributions. The daily rate is that monthly figure divided by 30.

You can check this against PERKESO's own limits. The highest band is capped at the RM6,000 wage ceiling, and its assumed wage is RM5,950:

• RM5,950 ÷ 30 = RM198.33 a day
• 80% of that = RM158.67, the published maximum Temporary Disablement Benefit
• 90% of that = RM178.50, the published maximum Permanent Disablement and Dependants' Benefit

The examples below use the middle of your contribution band as the assumed wage (for gaji RM3,500, that is RM3,450). PERKESO works out the exact average from your contribution record, so treat these as estimates.

Employment injury and LINDUNG 24 Jam benefits

Temporary Disablement Benefit (Faedah Hilang Upaya Sementara)

• Rate: 80% of your average assumed daily wage.
• Minimum and maximum: RM30.00 to RM158.67 a day.
• When: your doctor certifies medical leave (MC) of at least 4 days, including the day of the accident.
• Work days: under the Employment Injury Scheme, it isn't paid for days you work and earn wages during that period. PERKESO's LINDUNG 24 Jam FAQ says the off-duty benefit is paid even if you attend work and are paid.

Permanent Disablement Benefit (Faedah Hilang Upaya Kekal)

• Rate: 90% of your average assumed daily wage, from RM30.00 to RM178.50 a day. That is the full rate. A Medical Board assesses how much of your earning capacity you have lost, and that assessment decides how much you get.
• Assessment of 20% or less: paid as a lump sum.
• Assessment above 20%: paid monthly for life. You can choose to convert up to one fifth of the daily rate into a lump sum.
• Deadline: claim within 12 months of the last day of Temporary Disablement Benefit.

Constant Attendance Allowance

If you are totally and permanently disabled and need someone with you all the time, the Medical Board can approve a fixed RM500 a month on top of your benefit.

Medical treatment and rehabilitation

Treatment at PERKESO panel clinics or government clinics and hospitals is free until you recover. PERKESO also covers physiotherapy, prosthetics, wheelchairs, hearing aids and vocational training at its own rates.

Dependants' Benefit and funeral

If a worker dies from an employment injury (or, since June 2026, an off-duty accident covered by LINDUNG 24 Jam), dependants share the full 90% daily rate:

• Widow or widower: 3/5, for life (even after remarrying, for deaths on or after 1 May 2005).
• Children: 2/5 in total, until age 21 or marriage. This continues until a first degree is finished for children in higher education, and for life for a child who can't support themselves. If the widow or widower dies, the children's share rises to 3/5.
• No spouse or children: parents get 4/10 for life, and brothers and sisters 3/10 until 21 or marriage.

The Funeral Benefit is the actual funeral cost or RM3,000, whichever is lower (RM3,000 since 1 June 2024).

Invalidity Scheme benefits (illness or non-work causes)

Invalidity Pension (Pencen Ilat)

You qualify if a Medical Board certifies that you can't earn at least one third of a healthy person's usual earnings because of a permanent, incurable condition, and:

• you were under 60 when PERKESO received your invalidity notice (or, if older, the condition began before 60 and you haven't worked since), and
• you meet the contribution test. For the full pension, that is 24 months of contributions within the 40 months before the notice month, or contributions for at least two thirds of the months since you first contributed (minimum 24). For the reduced pension, it is at least one third of those months, also with at least 24 contributions.

Rate: the full pension starts at 50% of your average assumed monthly wage and rises by 1% for every extra 12 months of contributions, up to 65%. The reduced pension is 50%. The minimum is RM550 a month for both.

If you were certified invalid but fail the contribution test, you get an Invalidity Grant instead: a one-off refund of the employee and employer Invalidity contributions, with interest.

Survivors' Pension and funeral

If an insured worker dies before 60 from a non-work cause, or while receiving an Invalidity Pension, dependants receive a Survivors' Pension of 50% to 65% of the assumed monthly wage, with a minimum of RM475 a month. The same RM3,000 Funeral Benefit applies to a death from any cause.

Worked examples (estimates)

Example 1: work accident, gaji RM3,500, 10 days MC

Aiman, 32, slips in the warehouse and gets 10 days of MC.

• Band RM3,400.01 – RM3,500 → assumed wage about RM3,450
• RM3,450 ÷ 30 = RM115.00 a day
• 80% × RM115.00 = RM92.00 a day
• 10 days × RM92.00 = about RM920

Example 2: weekend motorcycle accident, gaji RM8,000, 21 days MC

Mei Ling earns RM8,000, but SOCSO only counts up to RM6,000. She is hurt riding to a friend's house on Sunday, so LINDUNG 24 Jam pays.

• Top band → assumed wage RM5,950
• 80% × RM198.33 = RM158.67 a day (the maximum)
• 21 days × RM158.67 = about RM3,332.07

Her higher salary doesn't raise the benefit. If she wants more income cover, that has to come from private insurance.

Example 3: part-timer on RM950 a month

Kumar works part time and earns RM950 (band RM900.01 – RM1,000, assumed wage about RM950).

• RM950 ÷ 30 × 80% = RM25.33 a day
• That is below the floor, so PERKESO pays the minimum RM30 a day.

Example 4: death at work, gaji RM3,500

If Aiman from Example 1 had died in the accident, the full daily rate would be 90% × RM115.00 = RM103.50.

• Widow (3/5): RM62.10 a day, about RM1,863 a month (30 days)
• Children together (2/5): RM41.40 a day, about RM1,242 a month
• Plus funeral costs of up to RM3,000

Example 5: invalidity pension after 15 years

Faizal, 45, has contributed for 180 months and was earning RM4,000 (assumed wage about RM3,950). He qualifies for the full pension.

• 180 − 24 = 156 extra months → 13 full years → +13%
• 50% + 13% = 63%
• 63% × RM3,950 = about RM2,488.50 a month, above the RM550 minimum

Common mistakes

• Expecting 80% of your full salary. The rate uses the assumed wage, which is capped at the RM6,000 ceiling. Anyone earning above RM6,000 hits the RM158.67 daily maximum.
• Thinking LINDUNG 24 Jam pays twice. It covers off-duty accidents only. A work or commuting accident goes under the Employment Injury Scheme, and you get one benefit per accident.
• Assuming illness is covered by the injury schemes. Illness, such as a stroke or cancer, is covered only by the Invalidity Scheme, through a pension or grant, and only if you pass the contribution test.
• Short MC. Leave of fewer than 4 days, counting the accident day, doesn't qualify for Temporary Disablement Benefit.
• Missing contributions. Employers who under-declare wages or skip SOCSO lower your assumed wage, or leave you without cover. Check the SOCSO line on your payslip every month with our salary calculator.
• Waiting too long. Permanent Disablement claims are due within 12 months of the last day of temporary benefit.

How to claim

Tell your employer about any work or commuting accident straight away. For LINDUNG 24 Jam accidents, you can apply on the LINDUNG Benefit Portal (lindungfaedah.perkeso.gov.my) or at any PERKESO office, attaching the supporting documents PERKESO asks for, such as your MC. If you can't apply yourself, someone else can apply for you, following PERKESO's guidelines. For questions, call PERKESO on 1-300-22-8000.