About EPF... must read......

If* ONE* (1) of our Nominee in the EPF Nominees list deceased,
automatically the whole arrangement (EPF Nominees list) is *VOID*. Meaning if, you only
put in One (1) name & unfortunately he/she dies before you - automatically
EPF will channel your EPF money to trustee of *AMANAH RAYA* upon your death.

Thou if, you DO have few names in the EPF Nominees list still - the whole
arrangement is VOID & none of the individual balance name in the EPF
Nominees list will get their potion & automatically EPF will channel your
EPF money to trustee of AMANAH RAYA upon your death.

*Piece of advice - if any of the your Nominee in the EPF Nominees list
decease, please do immediately approach the nearest EPF counter & present
the Death Certificate of the individual & re-instate you NEW / LATEST
Nominee in the EPF Nominees list + NEW / LATEST percentage*.

If, you & the other party (maybe spouse) involved in the same misfortune
(accident / illness) that caused death to both yourself / spouse please,
please, please alert your siblings / relatives / parents to immediately
approach the nearest EPF counter & share the information within 3 days
to *AVOID all EPF money to be surrender to trustee of AMANAH RAYA*.

Upon surrender to trustee of AMANAH RAYA, your children will have to battle
the money thru 3 channels;

*Majlis Agama*

*Pejabat Tanah*

*Mahkamah*

The normal period via above 3 channels usually takes 2-3 years (except if
you have inside/tip top connection) at Amanah Raya.