22/09/2025
很多人以为，只要离婚了，前夫/前妻就自动没有继承权。
但其实，如果你没有更新受益人，法律依然承认他们！
👉 EPF 公积金
根据《EPF Act 1991》，EPF 会按照你指定的受益人分配。
除非你亲自去 KWSP 柜台更改，不然不管离婚与否，你的前夫/前妻还是能合法领取你的积蓄。
👉 遗嘱分配
如果你的旧遗嘱里写了前夫是受益人，甚至是遗嘱执行人，那这份遗嘱依然有效！
换句话说，就算已经离婚，他还是能处理你的遗产，甚至分走一部分。
✅ 解决办法：
离婚后，立刻去 KWSP 柜台更换受益人。
重新立遗嘱：
写明前夫/前妻不得继承
指定新受益人
更换执行人
💡 我的建议：
遗嘱不是写了就收好，它应该随着人生阶段更新。结婚、离婚、再婚、生小孩……每一次变化，都是你重新掌控分配的机会。
不要等到太迟才发现：
“原来我还没换掉他的名字。”
Many people think divorce cancels an ex’s inheritance rights.
❌ Wrong! If you don’t update your beneficiaries, the law still recognises them.
👉 EPF Savings
Under the EPF Act 1991, EPF distributes strictly by nomination. Unless you update it in person at KWSP, your ex remains your legal beneficiary — even after divorce.
👉 Wills
If your old Will names your ex as beneficiary or executor, it is still valid. That means your ex could legally manage or inherit part of your estate.
✅ What to Do:
After divorce, update your EPF nominee at KWSP counter (not online).
Write a new Will:
Exclude your ex from inheritance
Appoint new beneficiaries
Replace executor
💡 My advice:
A Will isn’t “write once, keep forever.” Update it as your life changes — marriage, divorce, remarriage, children. Each milestone is your chance to stay in control.
Don’t wait until it’s too late to realise:
“I never even removed his name.”
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