Secure Your Future: Everything You Need to Know About SOCSO’s Self-Employment Social Security Scheme (SKSPS)

November 25, 2025

If you are one of the many hardworking self-employed individuals, securing your financial well-being against unforeseen circumstances is essential.

The Self-Employment Social Security Scheme (SKSPS), introduced under the provisions of the Self-Employment Social Security Act 2017, is designed specifically to provide crucial protection for those who work for themselves.

Who Needs SKSPS?

The scheme is compulsory for the self-employed in the Passenger Transportation Sector, which includes taxi, e-hailing, and bus drivers.

Effective from January 1, 2020, the scheme was extended to cover 19 other sectors, including:

Good and Food Transport
Data processing
Agriculture
Agents
Livestock
Professional Services
Forestry
Support Services
Fisheries
Arts
Food
Beauty and Healthcare
Manufacturing
Household Services
Construction
Information Technology
Hawkers
Online Business
Accommodation Premises

Eligibility and Contribution Plans

The scheme is open to any Malaysian citizen or permanent resident who works for themselves to earn a living, with no age limit.

Payment Options Contribution payments can be made on a monthly or yearly basis. Payments can be made in cash at all SOCSO offices or online via the official portal.

(*on-screen instructions are available by clicking the ‘Help’ button)

Schedule of Contribution (SKSPS)

Your contribution is based on your selected insurable monthly earnings. Here are the current plan options:

Plan	Selected 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

The Protection You Receive (SKSPS Benefits)

The SKSPS provides robust protection against self-employment injury, offering several crucial benefits:

Medical Benefit: Receive free medical treatment at SOCSO panel clinics , or claim reimbursement for the cost of treatment at non-panel clinics.
Temporary Disability Benefit: Paid if you are on medical leave certified by a doctor for not less than four days (including the day of accident). The rates range from a minimum of RM30.00 per day to a maximum of RM105.33 per day.
Permanent Disability Benefits: The benefit rate is 90% of your selected insured monthly earning.
Constant Attendance Allowance: A fixed allowance of RM500 per month is paid to insured individuals who suffer from total permanent disablement and constantly require the personal attendance of another person.
Dependent’s Benefit: If an insured person dies as a result of self-employment injury, dependents (such as a wife and children) are paid a monthly benefit at a rate of 90% insured.
Funeral Benefit: Provides RM3,000 or actual cost for funeral management.
Physical or Vocational Rehabilitation: These facilities (like physiotherapy and wheelchairs) are provided free of charge.
Education Benefit: Provided in the form of loans to a dependent child of an insured person who dies or is receiving periodical Permanent Disablement Benefit payments.