Self-Employed Responsibilities

i-Saraan by KWSP

The EPF has launched a voluntary contribution initiative known as i-Saraan. This program provides a unique opportunity for self-employed members without fixed incomes and gig economy employees to access exclusive government incentives for retirement purposes, subject to the specified requirements.

The benefit of i-Saraan:

BENEFITS	DEFINITION
Annual Dividend	Receive annual dividends in addition to your retirement savings.
Special Incentive	Get an additional 15% on the total contribution, up to a maximum of RM300, in the current year, following government terms and conditions.
Tax Exemption	Eligible for tax exemption, subject to IRB terms and conditions.
Death Benefit	Entitled to a death benefit, subject to EPF terms and conditions.

Requirement of i-Saraan:

• Malaysian
• Self-employed, freelancer, and not an employee
• Registered EPF member
• Below 60 years old

How to contribute i-Saraan?

• Submit Form KWSP 16G(M) together with a photocopy of IC to the nearest KWSP branch, or
• Visit the link: i-Saraan Registration Portal to register online

Self-Employed Employment Injury Scheme (SEEIS) by PEKERSO

The Self-Employed Employment Injury Scheme (SEEIS) was established to offer protection to individuals engaged in self-employment, as outlined in the provisions of the Self-Employment Social Security Act 2017. Coverage for self-employed individuals participating in the scheme commences on the date and time the contribution is both paid and acknowledged on the contribution payment receipt.

Self-employed sector covered:

1. Passenger Transportation Sector	11. Accommodation Premises
2. Good or Food Transport	12. Online Business
3. Agriculture	13. Information Technology
4. Livestock	14. Data Processing
5. Forestry	15. Agents
6. Fisheries	16. Professional Services
7. Food	17. Support Services
8. Construction	18. Arts
9. Manufacturing	19. Household Services
10. Hawkers	20. Beauty and Healthcare

Benefits of SEEIS:

• Medical Benefit
• Temporary Disablement Benefit
• Permanent Disablement Benefit
• Constant-attendance Allowance
• Dependants' Benefit
• Facilities for Physical or Vocational Rehabilitation
• Funeral Benefit
• Education Benefit

Requirement of SEEIS:

• Malaysian without age limit
• Self-employed, freelancer, and not an employee

How to contribute i-Saraan?

• Photocopy of IC
• Copy of driving license / e-hailing profile/permit/certificate
• Letter of confirmation from the relevant association or agency subject to the type of sector

Contribution Plan:

No	Insured Monthly Earning	Contribution Payment Per Month	Contribution Payment Per Year
1	RM1,050	RM13.10	RM157.20
2	RM1,550	RM19.40	RM232.80
3	RM2,950	RM36.90	RM442.80
4	RM3,950	RM49.40	RM592.80

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