SOCSO dan SIP Dijelaskan: Apa yang Caruman Anda Lindungi
Panduan mudah tentang SOCSO (PERKESO) dan SIP di Malaysia — apa yang dilindungi, berapa anda dan majikan bayar, dan cara menuntut.
What is SOCSO (PERKESO)?
SOCSO, run by PERKESO, is Malaysia's social security organisation. Every private-sector employee is registered and protected under two schemes: the Employment Injury Scheme and the Invalidity Scheme. The deductions are tiny — about 0.5% of your wages from you, and around 1.75% from your employer — but the protection they provide is far larger than the cost.
The Employment Injury Scheme
This scheme covers you for accidents that happen at work, while commuting to or from work, or for occupational diseases. Benefits can include medical treatment, temporary or permanent disablement payments, and a dependants' benefit if a worker dies. Crucially, it covers commuting accidents — many Malaysians do not realise a motorbike accident on the way to the office may be claimable.
The Invalidity Scheme
The Invalidity Scheme protects you against non-work-related conditions that leave you unable to work, whether from illness or accident, before the age of 60. If you meet the contribution conditions, it can provide a monthly invalidity pension or a lump-sum grant, plus rehabilitation support. It effectively acts as a basic disability safety net for the Malaysian workforce.
What is EIS?
The Employment Insurance System, introduced in 2018, is separate from SOCSO and exists for one purpose: to help you if you lose your job through no fault of your own, such as retrenchment or company closure. You and your employer each contribute 0.2% of your monthly wages. It does not cover resignation or dismissal for misconduct.
What EIS pays out
If you are retrenched, EIS can provide a Job Search Allowance paid over several months, along with an Early Re-Employment Allowance if you find a new job quickly, training allowances, and career counselling. The allowance is a percentage of your previous salary that tapers over time, designed to tide you over while you look for new work — not to replace your income permanently.
How to claim
Claims for both SOCSO and EIS are made through PERKESO, either online via the ASSIST portal or at a PERKESO office. For EIS, you generally must apply within 60 days of losing your job, so do not delay. Keep your termination letter and EA form ready, as you will need documentation of your employment and the reason it ended.
The bottom line
SOCSO and EIS are easy to ignore because the deductions are so small, but they are among the best-value protection a Malaysian worker has. For a few ringgit a month, you get injury cover, an invalidity safety net, and a cushion against sudden job loss. The wage ceiling for both was raised to RM6,000 in October 2024 — check PERKESO for the latest rules.
Contribution rates and the RM6,000 ceiling
Since October 2024 SOCSO and EIS contributions are calculated on wages up to RM6,000 a month (it was RM5,000 before). For employees under 60 in the first category, the employee pays about 0.5% for SOCSO and the employer about 1.75%, covering both the Employment Injury Scheme and the Invalidity Scheme. EIS is about 0.2% each from employee and employer. Contributions are actually taken from a wage-band table rather than an exact percentage, so your payslip may differ by a few sen. Above the ceiling, the employee pays the maximum of RM29.75 for SOCSO and RM11.90 for EIS each month.
What SOCSO actually pays out
The Employment Injury Scheme covers accidents and occupational diseases at work and on the way to or from work, including medical treatment, temporary disablement benefit while you cannot work, and permanent disablement benefit. The Invalidity Scheme covers you 24 hours a day for invalidity or death not related to work, with an invalidity pension if you meet the contribution conditions. Dependants can receive a survivors' pension and funeral benefit. SOCSO also runs a free health screening programme for eligible contributors aged 40 and above, which is worth using.
EIS when you lose your job
The Employment Insurance System supports people who lose their job involuntarily — through retrenchment, company closure, or termination other than for misconduct. Resigning voluntarily does not qualify. Benefits include a job search allowance paid as a percentage of your wages for up to six months, a reduced-income allowance if you lose one of several jobs, training support and job placement help through MYFutureJobs. You must apply within 60 days of losing your job and register as an active job seeker, so don't wait until savings run low.
Workers over 60, foreign workers and gig workers
Employees who are 60 or older and have never contributed before are covered by the Employment Injury Scheme only, paid by the employer. EIS does not apply to workers aged 57 and above who had not contributed before reaching that age. Foreign workers are covered under the Employment Injury Scheme. Self-employed and platform workers such as e-hailing and delivery riders are covered under the Self-Employment Social Security Scheme; under the Gig Workers Act 2025 contributions for platform workers are deducted automatically per job. See our rider income comparison for what this means for take-home pay.
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