Phase 4
Before and on 100 Days
Prayers based on the religious preferences of the deceased are carried out. The government, financial and legal processes will need to be started to manage the assets, debts and belonging of the deceased.
Steps 13 and 14 may be different depending on religious beliefs.
Step 15, 16 and 17 are benefits in kind by the government and related agencies. These will provide financial support to the deceased’s next of kin.
Step 18 and 19 are to claim financial assistance from any of the insurance policies which the deceased may have purchased. Do not forget the insurance for the home loan.
Step 20 is to start the legal process to distribute the assets left behind by the deceased.
Malaysia Funeral Process Flow Diagram
Below is the process flow diagram for funerals in Malaysia.
Step 13
7 Day Prayers
Cemetery / Columbaria / Urn Garden
Buddhist and Taoist rites will have the 7 day prayers, 3rd 7 day prayers, 5th 7 day prayers and the last 7th day prayers.
These prayers are meant to help the spirit of the deceased to move on.
Many offerings are prepared for the prayers. These include fruits, cakes, flowers, steamed buns, the deceased favourite food and more.
There are also prayer items which will be burned as offerings to the deceased. These can be purchased from a prayer item shop in Chinese majority areas.
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Step 14
100 Day Prayer
Cemetery / Columbaria / Urn Garden or Temple / Church
Tthe 100 day prayer is when the deceased will be reborn. For Taoist and Buddhist beliefs, the 100 day prayer is very important for the decease to be reborn, and it is recommended to hire a monk for the ceremony.
Christians will also have their 100 day p
Step 15
PERKESO (Socso) Claims
Any PERKESO Office
PERKESO provides funeral assistance funds of RM2500. PERKESO provides next of kin with pension for life.
Here is the link to the PERKESO page which explains how it works:
https://www.perkeso.gov.my/perkhidmatan-kami/perlindungan/skim-keilatan.html
Step 16
KWSP (EPF) Claims
Any KWSP Office
EFP provides funeral assistance funds of RM2500. Requires death certificate and can be reported by next of kin or nomimnee. Decease’s EPF funds can only be withdrawn by nominees.
Here is the link to the KWSP page which explains how it works:
Step 17
Other Funeral Assistance
Local Council Office or Government Corporations Office
Depends on local governments or government corporations the deceased or next of kin works for.
Sometimes, the local government has funeral assistance of RM1000 for its constituents. These are not there perpetually because it is subject to government funding.
Step 18
Insurance Claims
Insurance Company Offices
Submit claims for insurance policies owned by deceased. Requires Certificate of Death and nominees to submit claim.
Some insurance policies requires a written medical report from the medical officer who issued the Register of Death.
Step 19
Medical Report for Insurance Claims
Hospital / Clinic
Go to the Hospital or Clinic where the death was reported and pay for a written Medical Report
Hospitals will have a medical reports section where these requests can be made. It takes a month to get the report.
Insurance companies may have their own specific set of forms which needs to be filled. The next of kin will need to hand over these forms to the hospital when requesting for the Medical Report.
Step 20
Appoint Lawyer for Estate Management
Lawyer Office
A lawyer will be required for estate management. If the deceased has a will, then it will be the lawyer who prepared with will.
Get a lawyer whose office is close to the next of kin’s home. There will be multiple trips to the lawyer’s office required.