PERKESO: Skim Keselamatan Sosial Suri Rumah 2024, A Must-Have for Every Housewife

Ever feel like you're running a one-woman show, juggling laundry, homework, cooking, cleaning, and maybe even a side hustle. Literally running an empire a household on sheer willpower with questionable amounts of coffee and let's not forget the emotional labor that comes with keeping everyone sane (including yourself, hopefully?)

But hold on a sec, amidst the chaos and timbunan baju anak and keeping update on school syllabus and kid's exam format + AI this and AI that, who's taking care of you?

We get it. Being a housewife is no walk in the park. The traditional "stay-at-home mom" role is anything but traditional. Yet, when it comes to financial security, housewives often get the short end of the stick right?

But what if there was a way to change the game?

Did you know there's actually a program that offers some much-needed security for amazing homemakers like you - the Skim Keselamatan Sosial Suri Rumah (The Housewives’ Social Security Scheme or SKSSR). Launched by PERKESO, this scheme is all about giving housewives the social security protection they deserve. 

Now, before you glaze over thinking about complicated forms and endless paperwork, hold on! We're here to break down SKSSR in a way that's easy to understand, even if your brain is currently occupied by the "Nak masak apa hari ini?"

Unlocking the Benefits of SKSSR: A Guide for Housewives in Malaysia

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What is SKSSR?

The SKSSR was introduced on December 1, 2022, under the Housewives’ Social Security Act. It aims to provide social security protection for housewives against domestic injuries and invalidity while managing their households. So, whether you're a full-time homemaker or juggling part-time work along with household duties, you’re covered!

Hold on, wait a minute, isn't insurance for people with fancy jobs and fat paychecks? Nope! SKSSR flips the script. It's specifically designed for housewives, recognizing the immense value you bring to your family, even if it doesn't show up on a pay slip.

Basically; who qualifies as a housewife? Well, it’s not just about being married. The definition includes:

✓ Married or unmarried women managing a household

✓ Mothers

✓ Divorced or widowed women

✓ Single mothers

Basically, if you’re managing a home, you’re in!

Why Should You Care?

Now, let’s talk about why this matters to you. Many people think that housewives don’t need insurance or social security because they don’t have a traditional job. But here’s the twist: managing a household is hard work! From cooking and cleaning to caring for kids and elderly family members, it’s a full-time gig that comes with its own set of risks.

Imagine slipping while mopping the floor or getting an injury while preparing dinner. With SKSSR, you can claim benefits for these domestic injuries! Yes, you read that right! 🏡✨

How Does It Work?

Here’s the scoop on how to get started with SKSSR:

1. Contribution: You’ll need to pay RM120 upfront for 12 months of coverage. This can be paid by your husband, family members, or even yourself. If your husband pays, he must keep contributing; it's a “once in, always in” situation.
2. Coverage: Once you're enrolled, you're protected against domestic injuries and permanent disabilities. If something happens and you can’t manage your household duties anymore, you could receive monthly allowances or even lump-sum payments.
3. Funeral Benefits: In the unfortunate event of your passing before age 55 due to a covered incident, your dependents will receive RM3,000 for funeral expenses.

What Are the Benefits?

Let’s break down what benefits SKSSR offers:

1. Permanent Disablement Benefits: If you suffer permanent disabilities from domestic accidents, you could receive up to RM30,000 based on the severity of your injury.
2. Monthly Allowances: You may qualify for monthly payments if you're unable to care for yourself due to severe incapacity.
3. Medical Coverage: Need rehabilitation? SKSSR covers physical rehabilitation and even prosthetics if required!
4. Survivors’ Pension: If you pass away before 55 years old due to a domestic injury, your dependents can receive RM300 monthly until they reach certain milestones like turning 21 or getting married.

How to Sign Up?

Getting on board with SKSSR is easier than making your favorite nasi lemak or ordering FoodPanda/GrabFood when you are to lazy to cook. Here’s how:

1. Visit the Portal: Head over to suri.perkeso.gov.my.
2. Fill Out Registration: Complete the registration form and make your payment.
3. Get Covered: Once registered and paid up, enjoy peace of mind knowing you're protected!

So, what are you waiting for, mama? Take a well-deserved break (maybe while the kids are watching their favorite cartoon), grab a cup of coffee, and head over to: PERKESO' website/SKSSR portal.

 

Challenges and Misconceptions

Berbalik pada statement surirumah=tidak bekerja. It’s time we challenge some old-school thinking here, okay? Many believe that only those with formal jobs need social security. But being a housewife is just as important, if not more so! You manage everything from budgets to family health; why shouldn’t you have protection, kan?

Also, some might think they can’t afford RM120 a year. But let’s be real okay; what’s more valuable than your health and safety? Think of it as an investment in yourself and your family’s future.

Let’s lighten things up a bit, ever tried cooking while multitasking with laundry? It’s like being in an episode of MasterChef or (Hell Kitchen) meets Survivor! 😂 With SKSSR backing you up, even if things go haywire in the kitchen (like that time I mistook salt for sugar), at least you'll have some safety net. Other than that, kita serah pada yang "Atas", yang penting kita dah berusaha.

So there you have it: the Skim Keselamatan Sosial Suri Rumah (SKSSR) is not just another government scheme; it’s a lifeline for all the amazing housewives out there managing homes like pros. Log on to PERKESO website for more info.

Don’t let outdated ideas hold you back from getting the protection you deserve. Millions of Malaysian housewives are already rocking SKSSR (Read it here, here and here). It's time to break the mold and embrace your #MamaBoss status. Don't settle for the "invisible" role, you deserve recognition and support. So, signup today and take control, secure your future, and show everyone what a true superhero mom looks like.

Being a housewife doesn’t mean being left out; it means being empowered. Don't you ever dare to say this phrase after this: "Kita tak kerja, kita surirumah je," - with that annoying kesian, inferiority complex tones. You are THE housewife. So owned it, dengan bangga, okay? If you fill-in your kid's school Borang Maklumat Murid, make sure when it comes to Pekerjaan Ibu field, you write "Surirumah" instead of "Tidak bekerja". 

Stay fabulous and safe! 🌟

P.S.  If this article resonated with you or made you chuckle (or both!), share it with your friends. Let’s spread the word about SKSSR so every housewife knows she has options out there!