Emloyees Provident Fund

1.   The nominees of a contributor receive the full sum upon the death of the member. 
2.  If the contributor was a Non-Muslim, the nominees are effectively beneficiaries and are allowed to keep the moneys for themselves.
3.  If the contributor was a Muslim, the nominees receive the moneys as administrators or trustees of the estate and are to distribute them in accordance with Islamic Law principles.e.g if the deceased did not leave a Will, then all the moneys will be distributed according to    the Faraid rules.
4.  If a contributor has named more than one nominee, he may choose to allocate the appropriate percentage for each person. If he does not, then they will receive the moneys in equal shares.  
5. If the nominees are minors, EPF will retain the moneys and pay to them upon reaching the age of 18 years.
6.   If no nominee is named, the moneys will be deemed as part of the estate and will be administered accordingly i.e. testate and intestate procedures will apply.
7. If one of the nominees named by a member predeceases him and he did not make a fresh nomination, then only the portion of the deceased nominee will fall under the estate of the deceased, to be administered and distributed accordingly. The surviving nominees will receive their portion of the moneys.
8. If the member dies as a bankrupt, EPF will still pay out moneys to the nominees. This does not prohibit creditors from pursuing the nominees to recover their debts as the moneys are considered part of the estate of the deceased and subject to his debts. 
9.  Those who have attained the age of 55 years and have withdrawn their moneys but continue to work subsequently should make a fresh nomination.