Self-Employment

Social Security
Scheme
www.perkeso.gov.my
1-300-22-8000

PERKESO Official

@perkeso official

@PERKESOofficial

PERKESO

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Self-Employment Social Security Benefits Provided
Scheme Medical
Self-employed insured person entitled to claim for reimbursement of
medical expenses to PERKESO and claim approval is subject to terms
Benefit outlined by PERKESO or according to Fees Act 1951.
The Self-Employment Social Security Scheme (SESSS)
was introduced to provide protection for individuals
Temporary TDB is paid to the self-employed insured person throughout the period of
who are self-employed under the provisions of the Disablement medical leave with at least four (4) days including the day of the accident
Self- Employment Social Security Act 2017. Eligibility Benefit (TDB) given by the medical officer.

1. Malaysian citizen Permanent Permanent disablement means incapacitation that is permanent until
Self-employment injury means personal injury to
2. Individual who carrying out self-employment Disablement impairing one's ability to perform any self-employment activity. The
self-employed insured person caused by an accident Benefit (PDB) payment rate of PDB is 90% from the selected insured monthly earning.
or an occupational disease arising out of and in the activity to gain earnings and wages.
course of his self-employment activity including while DB is paid monthly to eligible dependant if self-employed insured person
travelling for the purpose of his self-employment dies due to self-employed injuries. Eligible dependant such as
Dependants'
activity. Required Documents Benefit (DB)
widow/widower and child below 21 year-old; or parents and siblings below
21 year-old; or grandparents (if the parents died) are entitled to DB with a
1. Copy of identification card payment of 90% from selected
Occupational disease is a disease caused by or arising insured monthly earning.
2. Copy of license/ driver card/ e-hailing profile/
from any occupation specified in the Fifth Schedule of
permit/ certificate or confirmation letter from Constant
the Employees’ Social Security Act 1969. Attendance CAA of RM500 per-month is paid to self-employed insured who suffered
relevant association or agency of the chosen Allowance total permanent disablement and grave inability that requires constant
sector. (CAA) attendance from another person.
SESSS protection had been extended to 20 informal
sectors as followed: FB of RM2,000 is paid to dependant/ eligible person if self-employed
Funeral
insured person dies due to self-employed injuries or while receiving
*Passenger Transportation Online Business
Contribution Options Schedule Benefit (FB)
periodical PDB.
Contribution rate is based on following options:
i. Free physical rehabilitation such as physiotherapy, prosthetic supply &
*Good or Food Transport Beauty and Healthcare Facilities for
orthotic, haemodialysis treatment, wheelchair, crutches, diapers and
Selected
Monthly Yearly Physical and
Insured Vocational etc.
Agriculture Information Technology Plan Contribution Contribution ii. Free vocational facilities for training in electrical field, tailor, radio
Monthly
Payment Payment
Rehabilitation
Earning maintenance and etc.
Livestock Data Processing

Forestry Professional Services 1 RM1,050 RM13.10 RM157.20 Education Benefit in the form of educational loan provided to dependants
Education if self-emploved insured person dies due to the self-employment injury or
Fisheries Support Services Benefit while receiving periodical PDB and fulfil specified eligibility.
Manufacturing Arts 2 RM1,550 RM19.40 RM232.80

Construction Agents

Food Household Services

3 RM2,950 RM36.90 RM442.80 Benefit Payment Calculation Schedule
Plan 1 Plan 2 Plan 3 Plan 4
Accommodation Premises Hawkers 4 RM3,950 RM49.40 RM592.80
Contribution RM13.10 monthly / RM19.40 monthly / RM36.90 monthly / RM49.40 monthly /
Benefit RM157.20 yearly RM232.80 yearly RM442.80 yearly RM592.80 yearly
*Including two mandatory sectors.
Failure for self-employed person in registering and Contribution Payment Temporary
Disablement Benefit RM30 per day RM41.33 per day RM78.67 per day RM105.33 per day
contributing in sectors that have been made Contribution can be paid on a monthly or yearly basis
mandatory, is a violation of law and if proven guilty, via: Permanent
can be penalised with not more than ten thousand Disablement Benefit Lump Sum Payment: Lump Sum Payment: Lump Sum Payment: Lump Sum Payment:
MATRIX’s Portal at (Example: Disablement assessment RM53,739 RM79,329 RM150,981 RM202,161
ringgit or imprisoned for a period of not more than two
https://matrix.perkeso.gov.my rate 20% and self-employed insured
person age 22 year-old)
years or both.
Lump Sum Payment: Lump Sum Payment: Lump Sum Payment: Lump Sum Payment:
PERKESO Prihatin Application Permanent
RM53,739 RM79,329 RM150,981 RM202,161
Disablement Benefit
(Example: Permanent disablement
& & & &
Certified PERKESO’s agent assessment 100% and self-employed Periodical Pension: Periodical Pension: Periodical Pension: Periodical Pension:
(https://www.perkeso.gov.my/ejen-kesela- insured person age 22 year-old)
RM756 per month RM1,116 per month RM2,124 per month RM2,844 per month
matan-sosial-pekerjaan-sendiri.html) Dependant
Benefit RM945 RM1,395 RM2,655 RM3,555
Cash payment at all PERKESO’s Office (Example: A married self-employed
insured person with a widow or per month per month per month per month
widower and child under 21 year-old)

Self-employed person who is a contributor to the

scheme will entitle for protection, effective from the Funeral Benefit RM2,000 RM2,000 RM2,000 RM2,000
date and time of contribution payment and validated
with contribution payment receipt. Constant Attendance
Allowance RM500 per month RM500 per month RM500 per month RM500 per month