Datin Tarnjit Kaur Bains (1960-2017), BainsPhysio

1. Mr.Gursharan,very timely and practical advice.

2. Txs Gursharan Ji. Message and info is timely.

3. Only this afternoon i accessed Asia Samachar as i was busy over the weekend and the announcement of your wife’s passing on has shocked me.
   have been reading your recent articles and responded too.
   Too soon to have gone.
   Deepest condolences to you doctor.

4. Dear Dato’ Dr. Bains, I am deeply sad n shock by the loss that you and your family member . My condolences.
   From Chris Leong
   Wah Toh Tit Tar Sdn Bhd

5. Dear Dato’ Dr. Bains, I am deeply saddened by the loss that you and your family have encountered. My condolences.

   Regards
   Roslee N Sue
   BLACK PEARL SERVICES
   91, Jln Pinggiran 4,
   Taman Pinggiran Ukay
   68000 Ampang
   SELANGOR

6. My condolences to the family.
   [Below info may also apply to some extent for those who are not in Malaysia]
   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 The total balance can then be withdrawn by the Registered Nominee or other entitled beneficiary.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.’

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