EPF new rules.

If ONE (1) of your Nominees in the EPF Nominees list dies,
automatically the whole arrangement (EPF Nominees list) is VOID ..
Meaning if, you only put in One (1) name & unfortunately he/she dies
before you - automatically EPF will channel your EPF money to trustee
of AMANAH RAYA upon your death.

Even though if you have few names in the EPF Nominees list, - the
whole arrangement is VOID & none of the individual names left in the
EPF Nominees list will get their portion & automatically EPF will
channel your EPF money to trustee of AMANAH RAYA upon your death.

Piece of advice - if any of the your Nominees in the EPF Nominees list
dies, please do immediately approach the nearest EPF counter & present
the Death Certificate of the individual & register your NEW / LATEST
Nominee in the EPF Nominees list + NEW / LATEST percentage .

If, you & the other party (maybe spouse) involved in the same
misfortune (accident / illness) that caused death to both yourself /
spouse please, please, please alert your siblings / relatives /
parents to immediately approach the nearest EPF counter & share the
information within 3 days to AVOID all EPF money to be surrendered to
trustee of AMANAH RAYA .

Upon surrender to trustee of AMANAH RAYA, your children will have to
battle the money thru 3 channels;

Majlis Agama

Pejabat Tanah

Mahkamah

The normal period via above 3 channels usually takes 2-3 years (except
if you have inside/tip top connection) at Amanah Raya.