Strengthening social protection amid rising costs

Great turnout: The i LINDUNG u Gegar @ Melaka programme is held for the first time and targets 15,000 visitors as part of efforts by the Human Resources Ministry (KESUMA) and PERKESO.

ALOR GAJAH: No family should have to choose between meeting daily expenses and staying protected against the financial burden of an accident.

With additional tax relief and contribution subsidies under Budget 2027, the Social Security Organisation (PERKESO) is encouraging more Malaysians to protect themselves and their families.

Human Resources Minister Datuk Seri Ramanan Ramakrishnan said the additional annual tax relief of up to RM150 offered an opportunity for those who previously opted out of LINDUNG 24 Jam.

He said the government understood the concerns of contributors trying to balance their disposable incomes with the need for social protection amid inflationary pressures influenced by global factors.

"This is the best opportunity for the 1.2mil contributors who opted out of LINDUNG 24 Jam to rejoin and strengthen their protection outside working hours.

“From June 1 to Sept 30, LINDUNG 24 Jam recorded 10,424 claims, averaging 85 cases a day.

“These figures remind us that accidents can happen at any time and that financial protection is essential when misfortune strikes,” he said when opening the i LINDUNG u Gegar @ Melaka programme at Dataran Keris here on Saturday (Oct 17).

Great turnout: The i LINDUNG u Gegar @ Melaka programme is held for the first time and targets 15,000 visitors as part of efforts by the Human Resources Ministry (KESUMA) and PERKESO.Ramanan riding into the event in grand style at Dataran Keris.

The programme, held for the first time in Melaka, targeted 15,000 visitors as part of efforts by the Human Resources Ministry (KESUMA) and PERKESO to bring government services closer to the people.

It also saw 400 homemakers from Melaka registered under LINDUNG Kasih, giving them access to PERKESO protection against unforeseen mishaps.

For working households, LINDUNG 24 Jam extends protection to eligible accidents outside working hours that are unrelated to employment, helping contributors prepare for risks beyond the workplace.

The additional tax relief under Budget 2027 provides further encouragement to maintain this protection, including for those reconsidering their earlier decision to leave the scheme.

Ramanan said strengthening the social safety net also required the participation of businesses, particularly platform providers whose operations depended on gig workers.

He urged these companies to take advantage of the Budget 2027 incentives by sharing the cost of their workers’ PERKESO contributions.

"The government has allocated RM30mil to assist 368,098 gig workers through a 35% LINDUNG Kendiri contribution matching incentive for eligible e-hailing and p-hailing workers earning RM3,000 or less," he said.

Ramanan noted that the matching incentive can be increased to 50% if platform companies also contribute towards their workers’ coverage.

“This is a win-win situation for platform providers and gig workers, as social security protection helps safeguard workers’ socioeconomic wellbeing,” he said.

Subahan said employers can enjoy discounts of up to 80% via PERKESO’s ‘Faedah Caruman Lewat Bayar’.

Ramanan also reminded platform providers that enforcement to ensure compliance with PERKESO contribution requirements had begun on Oct 1.

He called on them to cooperate by integrating their systems with PERKESO to facilitate automatic contribution deductions.

Under Section 83(d) of the Gig Workers Act 2025 (Act 872), platform providers must implement mandatory contribution deductions in the prescribed manner.

Section 83(g) requires providers to establish a mechanism linking their digital intermediary systems with PERKESO’s system for social security contributions.

Ramanan said compliance with these provisions was necessary to uphold social justice for gig workers.

He said beyond contribution assistance, Budget 2027 also provides support for drivers’ health and young people seeking a pathway into employment.

Ramanan said RM12.4mil had been allocated to continue "Program Pemandu Sihat dan Selamat", a collaboration between PERKESO and the Transport Ministry benefiting 225,000 heavy vehicle drivers.

He unveiled that another RM7.95mil was allocated to establish three regional Career Exploration Centres, train 2,000 career counsellors and appoint 100 case officers to guide young people who are not in employment, education or training.

Earlier, PERKESO chairman Datuk Seri Subahan Kamal said the programme brought its community outreach to the southern region following the Festival Mega i LINDUNG u in Kota Damansara, Selangor, the previous month.

He said Alor Gajah residents could obtain information, seek advice and access PERKESO services in a welcoming setting.

He said employers can enjoy PERKESO’s discounts of up to 80% on interest charged for late contribution payments, known as "Faedah Caruman Lewat Bayar" (FCLB)

The initiative eases the financial burden of settling late-payment interest while encouraging employers to keep their workers’ protection in order.

Among the attractions were LINDUNG Kasih and LINDUNG Kendiri sponsorships, food trucks, a Malay film-themed fashion competition and traditional games, including dam haji, carrom, congkak and batu seremban.

A search for Melaka’s 20 best asam pedas offerings added a local touch, while appearances by celebrities, among others, Bell Ngasri, Zaki Yamani, Santesh, Amelina and Haiza Hanafi enlivened the programme.

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盛况空前：i LINDUNG u Gegar @ Melaka 项目首次举办，目标是吸引 15,000 名游客，这是人力资源部 (KESUMA) 和 PERKESO 共同努力的一部分。

亚罗牙也：任何家庭都不应该被迫在支付日常开支和避免意外事故带来的经济负担之间做出选择。

马来西亚社会保障机构（PERKESO）通过2027年财政预算案提供的额外税收减免和缴款补贴，鼓励更多马来西亚人保护自己和家人。

人力资源部长拿督斯里拉马南·拉马克里希南表示，每年额外高达 150 令吉的税收减免为那些之前选择不参加 LINDUNG 24 Jam 计划的人提供了一个机会。

他表示，政府理解缴款人在受全球因素影响的通胀压力下，努力平衡可支配收入和社会保障需求的担忧。

“对于选择退出 LINDUNG 24 Jam 的 120 万缴费者来说，这是重新加入并加强其在工作时间之外的保障的最佳机会。

“从 6 月 1 日至 9 月 30 日，LINDUNG 24 Jam 记录了 10,424 起索赔，平均每天 85 起。

“这些数据提醒我们，意外随时可能发生，不幸来临时，财务保障至关重要，”他在周六（10 月 17 日）于马六甲克里斯广场举行的 i LINDUNG u Gegar @ Melaka 活动开幕式上说道。

盛况空前：i LINDUNG u Gegar @ Melaka 活动首次举办，目标是吸引 15,000 名游客，这是人力资源部 (KESUMA) 和 PERKESO 共同努力的一部分。拉马南骑马以盛大的方式进入了 Dataran Keris 的活动现场。

该项目首次在马六甲举办，目标是吸引 15,000 名游客，这是人力资源部 (KESUMA) 和 PERKESO 为使政府服务更贴近人民而做出的努力之一。

此外，还有 400 名来自马六甲的家庭主妇在 LINDUNG Kasih 下注册，使她们能够获得 PERKESO 的保障，以应对意外事故。

对于有工作的家庭，LINDUNG 24 Jam 将保障范围扩大到工作时间之外与就业无关的符合条件的事故，帮助缴费者为工作场所之外的风险做好准备。

2027 年预算案中的额外税收减免进一步鼓励人们维持这项保障，包括那些重新考虑之前退出该计划决定的人。

拉马南表示，加强社会安全网也需要企业的参与，特别是那些运营依赖于零工人员的平台提供商。

他敦促这些公司利用 2027 年预算案的激励措施，分担员工缴纳 PERKESO 社保的费用。

他说：“政府已拨款 3000 万令吉，通过 35% 的 LINDUNG Kendiri 缴款匹配奖励，帮助 368098 名零工劳动者，这些劳动者符合条件的网约车和私家车司机月收入为 3000 令吉或以下。”

拉马南指出，如果平台公司也为其员工的医疗保险做出贡献，则匹配激励可以提高到 50%。

他说：“这对平台提供商和零工工作者来说是双赢的局面，因为社会保障有助于维护劳动者的社会经济福祉。”

Subahan 表示，雇主可以通过 PERKESO 的“Faedah Caruman Lewat Bayar”享受高达 80% 的折扣。

拉马南还提醒平台提供商，为确保遵守 PERKESO 缴款要求，执法行动已于 10 月 1 日开始。

他呼吁他们通过与 PERKESO 系统对接来进行合作，以方便自动扣缴缴款。

根据 2025 年零工劳动者法案（第 872 号法案）第 83(d) 条，平台提供商必须按规定的方式实施强制性缴款扣除。

第 83(g) 条要求服务提供商建立一种机制，将其数字中介系统与 PERKESO 的社会保障缴款系统连接起来。

拉马南表示，遵守这些规定对于维护零工劳动者的社会正义至关重要。

他表示，除了提供捐助援助外，2027 年预算案还为驾驶员的健康和寻求就业途径的年轻人提供支持。

拉马南表示，已拨款1240万令吉继续开展“Pemandu Sihat dan Selamat计划”，这是PERKESO与交通部之间的合作项目，惠及22万5000名重型车辆司机。

他透露，另有 795 万令吉被拨款用于建立三个区域职业探索中心，培训 2000 名职业顾问，并任命 100 名个案官员来指导未就业、未接受教育或培训的年轻人。

早些时候，PERKESO 主席拿督斯里苏巴汉卡迈勒 (Datuk Seri Subahan Kamal) 表示，继上个月在雪兰莪州哥打白沙罗举行的 Mega i LINDUNG u 节之后，该计划将其社区外展活动带到了南部地区。

他表示，亚罗牙也居民可以在温馨的环境中获取信息、寻求建议并获得PERKESO的服务。

他表示，雇主可以享受 PERKESO 提供的高达 80% 的延迟缴款利息折扣，即“Faedah Caruman Lewat Bayar”（FCLB）。

该举措减轻了雇主因支付逾期付款利息而产生的经济负担，同时鼓励雇主妥善保障员工权益。

其中的亮点包括 LINDUNG Kasih 和 LINDUNG Kendiri 赞助、美食车、马来电影主题时装比赛和传统游戏，包括 dam haji、carrom、congkak 和 batu seremban。

搜寻马六甲 20 种最佳阿三足产品增添了当地风味，而 Bell Ngasri、Zaki Yamani、Santesh、Amelina 和 Haiza Hanafi 等名人的亮相也为节目增添了活力。

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