INTRODUCTION
The Self-Employment Social Security Scheme was introduced to provide protection for individuals who are self-employed under Self-Employment Social Security Act 2017
This scheme is compulsory for the self-employed in the Passenger Transportation Sector which are taxi, e-hailing and bus drivers under the provisions of the Self-Employment Social Security Act 2017 effect on 1 June 2017.
Effective from 1 January 2020, the scheme is extended to 19 other sectors as follows:
- Good & Food Transport
- Hawkers
- Agriculture
- Accommodation Premises
- Livestock
- Online Business
- Forestry
- Information Technology
- Fisheries
- Data Processing
- Food
- Agents
- Construction
- Professional Services
- Arts
- Household Services
- Manufacturing
- Support Services
- Beauty
- Healthcare
ELIGIBILITY
- Malaysian citizen / permanent resident without age limit
- Individuals who work for themselves to earn a living
DOCUMENTS NEEDED
- Photocopy of Identity Card (IC)
- Copy of PSV Card / E-hailing Profile / Permit / License / Certificate or Letter of Confirmation from the relevant association or agency subject to the type of sector.
SCHEDULE OF CONTRIBUTIONS
The contribution is based on options of insurable earnings:
PAYMENT OF CONTRIBUTION
- Contribution can be paid on a monthly or yearly basis
- Cash payment can be made at all SOCSO offices
- Online payment can be made via https://matrix.perkeso.gov.my (on-screen instructions are available by clicking the ‘Help’ button)
- The coverage for self-employed individual contributing to the scheme starts from the date and time the contribution is paid and recognized on the contribution payment receipt.
PROTECTION OF SELF-EMPLOYMENT SOCIAL SECURITY SCHEME
- This Scheme provides protection for self-employment injury including occupational diseases and accidents during work-related activities.
- “Self-employment injury” means personal injury caused by an accident or an occupational disease arising out of and in the course of his or her self-employment activity including while travelling for the purpose of self-employment activity.
- “Occupational disease” is a disease caused by or arising out of any occupation specified in the Fifth Schedule of the Employees’ Social Security Act 1969.
This scheme provides cash benefits to the insured persons and their dependents besides medical treatment, physical rehabilitation and vocational training.
SELF-EMPLOYMENT SOCIAL SECURITY SCHEME BENEFITS
MEDICAL BENEFIT
- receive free medical treatment at SOCSO’s panel clinics / government hospitals
- can claim for reimbursement of medical treatment at SOCSO’s non-panel clinics
TEMPORARY DISABLEMENT BENEFIT
- paid for the period the insured person is on medical leave certified by a doctor for not less than (4) days including the day of accident
- Need to submit medical certificate (mc)
- The minimum rate is RM30.00 per day, maximum rate is RM105.33 per day.
PERMANENT DISABLEMENT BENEFIT
- The rate of Permanent Disablement Benefit is 90% of the selected insured monthly earning
CONSTANT ATTENDANCE ALLOWANCE
- This allowance is paid to insured person who is suffering from total permanent disablement and is so severely incapacitated as to constantly require the personal attendance of another person, certified by Medical Assessor or the Appellate Medical Board.
- The allowance is fixed at RM500 per month.
FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION
- Physical rehabilitation and vocational rehabilitation are provided free of charge
- “Physical rehabilitation” includes physiotherapy, occupational therapy, reconstructive surgery, supply of prosthetics, orthotics and other appliances, supply of orthopaedics apparatus such as wheelchair, crutches, hearing aids, spectacles, special shoes and others.
- “Vocational rehabilitation” such as courses in sewing, radio repair and others.
DEPENDANTS’ BENEFIT
- If a self-employed insured person dies as a result of self-employment injury, his dependant shall be entitled to Dependants’ Benefit.
- A payment of 90% from selected insured monthly earning
- Eligible dependents: Widow or widower and child under 21 years old.
- If there are no widow, widower or child:
- Parents; or
- Brothers or sisters below 21 years old; or
- Grandparents
FUNERAL BENEFIT
- Funeral Benefit will be paid to the eligible person if the self-employed insured person dies as a result of self-employment injury or while receiving Permanent Disablement Benefit.
- The amount paid will be the actual amount incurred or RM2,000 whichever is lower.
EDUCATION BENEFIT
In the form of loans that may be provided to a dependent child of self-employed insured person who dies as a result of self-employment injury or is receiving periodical payments of Permanent Disablement Benefit.
