Fund membership requires covered employees to enrol, while joint higher-wage contributions and international-worker rules govern expanded coverage.

Fund membership covers employees previously within the earlier EPF Scheme and employees working in covered establishments, from the Scheme's commencement or their joining date, whichever is later. Excluded or exempted employees must join upon losing that status. Employers and employees may jointly opt for membership or contributions on wages above the wage ceiling, subject to Fund conditions, administrative charges and statutory compliance. Equivalent rules apply to International Workers, including total-wage contributions for employees seeking detachment under a listed bilateral social-security agreement.

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