Naranjan Kaur (1918-2017), Kuala Lumpur

1. Gursharan family sends condolences to the family.
   However this is forwarded for information of family members [and others as all will be affected sooner or later and thus should be aware and be prepared to avoid problems and hardships]. It is a common perception that most do not prepare for their after departure situations and also keep financial matters/information confidential even from their closest family members including parents/siblings/spouses/children/etc.
   Many deceased may have monies in EPF, Cooperatives, etc and benefits available from SOCSO for some and if the person was a member of any association he/she may also be eligible for some benefits besides having credit balances.
   Relatives of Government pensioners are also entitled to RM3K grant from the Pensions Department and this does not need any receipts of expenditure.
   Further I recently came to understand that next of kin [spouse-child-parents] of the departed who were EPF contributors, EPF gives RM2,500.00 which is credited to the account of the deceased member [subject to being below 55 years of age]. The total balance can then be withdrawn by the Registered Nominee or other entitled beneficiary. Eligible only if he was working at any time and has an EPF Account.
   Suggest any family member go through the old documents to confirm as not many tell their parents, spouses, siblings or children of what they have or where they have and this also applies to other family members including spouses and children and siblings.
   Sikh/Punjabi men/women commonly participate in ‘Koots’ where there might be some undrawn funds.
   Finally not many believe in making wills as some consider it bad omen nor make nominations in EPF or others.
   Some ladies also have the habit of hiding cash savings from family members as they do not like to ask for cash from children when they want to use them either to give gifts to children on festivities/birthdays/etc or for purposes the children may not approve and this money may be hidden among old clothes-boxes-disused microwaves/cookers/washing machines-spices/rice containers-etc and this used to be done by my mother.
   I realize that this may not be the right time to say all this but it is important as otherwise the money if any, will end up with their transfer to UNCLAIMED MONEYS REGISTRAR from where it is very cumbersome to collect. Apologies if misunderstood.
   ALL GURDWARAS-MANDIRS-SOCIETIES-NGOs-INDIVIDUALS SHOULD PROVIDE SUCH ADVICE AS AND WHEN NECESSARY WHO MAY BE AFFECTED INCLUDING THOSE STILL LIVING TO PREVENT RECOVERY PROBLEMS.
   NEED FOR MINDSET CHANGE AND ALL SHOULD MAKE WILLS REGARDLESS OF AGE AND UPDATE NOMINATIONS WHERE APPLICABLE
   If they had study [or other] loans these may be eligible for automatic instant write-offs if covered by any insurance policies.
   MAY HER SOUL BE WITH WAHE GURU JI
   Gur Fateh
   [Above comments/views/advise are based on personal experiences and other relevant information]
   The STAR newspaper recently published on 5.7.17 a comprehensive report on hundreds of millions or RM with Insurance Companies being unclaimed monies owing to policy holders who may have gone to their final destination and the families/beneficiaries not being aware or there was no nomination.
   Similarly the Registrar of Unclaimed Monies is also holding billions of RM of unclaimed monies and the case may be same with Financial Institutions-banks-shares CDS accounts-Courts-Lawyers-Government Departments/Agencies-etc] Family members should scrutinize old documents and they may be able to find some of such monies which have become claimable and then they should take appropriate action as advised in the article.’

2. COMMENTS SHARED VIA ASIA SAMACHAR FACEBOOK:
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   Kenneth Prussner: Dr.Pall and family we remember meeting her with fondness and we celebrate the great lady she was to many
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   Paritam Grewal: Deepest condolences to the family . RIP Mataji
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   Ranjit Grewal: My deepest condolences Shindy & family….. RIP mataji???
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   Manjit Kaur: My hearthfelt condolences to the family
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   Karam Randhawa: God bless Manji. Waheguru. Condolences to her family.
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   Jittkaur Randev: Deepest condolences to the family
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   Jasvin Charun: Our deepest condolences to Shindy and family. Mataji RIP
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   Jaswant Singh: My heartfelt condolences to the family and may god bless her soul rest in peace
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   Sharon Dhillon: Condolences to the family
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   RRavinder Kaur: Our deepest condolences to the family.
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   Sarjeet Kaur: Deepest condolences to the family . May Manji soul rest in peace.
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   Kuldip Kaur Bajwa: My deepest condolences to all family members…. May she rest in peace in
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   Jasmin Dhillon: My heartfell condolence to all … RIP manji
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   Gurdip Kaur: Condolences to the fly.
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   Rani Randhawa: My deepest condolences to Manji’s family.
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   Satwant Harbhajan: Deepest condolences to the family. Wahegurr bless Manji.
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   Dalbeer Kaur: My deepest condolences to the family
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   Herjit Sran: ??
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   Sheila Kaur: Our hearthfelt condolences to the family…RIP
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   Harjeet Singh: RIP.. Saat Naam Sri Waheguruji
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   Sam Lee d’Costa: Waheguru bless this maajie’s soul
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   Manjit Kaur: Rip auntie

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