FAQs
Find answers to common questions about LKM membership, benefits, claims and support.
Last updated 18 June 2026
Quick answers
How to Apply for Grants?
Submit your documents through the online form.
(opens in new tab)Claims Processing
Claims are typically processed within a month, subject to verification.
Need Assistance?
Contact LKM directly through WhatsApp.
(opens in new tab)Membership
Who is eligible for Ordinary Membership?
Ordinary membership is open to Muslim officers, including civilian staff in the:
Singapore Police Force (SPF)
Central Narcotics Bureau (CNB)
Internal Security Department (ISD)
Can VSC officers join LKM?
At present, LKM membership is open to Muslim officers and civilian staff employed by SPF, CNB and ISD. As VSC officers serve on a voluntary basis and are not employees of these organisations, they are not eligible for membership.
VSC officers who wish to express their interest in future membership eligibility may write to LKM (opens in new tab).
What are the membership fees?
Ordinary members: $8 per month
Associate members (retired Ordinary members): $60 per year
When does my membership officially begin?
Membership officially begins upon receipt of your application form. Eligible events occurring after the application date may be submitted even if salary deductions have not started yet.
When will my first deduction start?
Applications submitted before the 18th are usually reflected in the next month's payroll. Submissions after the 18th will begin in the subsequent payroll cycle.
I have been a member for many years. Why is there no deduction on my payslip?
Membership deductions automatically stop during No-Pay Leave (NPL) periods or when salary payments are temporarily suspended.
To reinitiate your membership, please provide your HRP Persno here (opens in new tab).
Can I retain my membership if I transfer to a different ministry?
Yes, you may. Vital should not stop your deduction, but if they do, you can set up a standing instruction order to continue your membership. Please WhatsApp us at 83225299 (opens in new tab), and we will advise you on the next steps.
Can I retain my membership or join Associate Membership if I resign?
No, membership is not available upon resignation.
Who is eligible for Associate Membership?
Retired officers who were LKM members at the point of retirement are eligible for Associate Membership.
I have retired. Do I need to reapply for membership?
Yes. Membership is not automatically converted upon retirement.
Retired Ordinary Members who wish to continue their membership must submit a new application for Associate Membership.
Apply online using the Membership Application Form (opens in new tab) and select Associate Membership.
Can I automate my Associate Membership payment?
Yes. Associate Members may set up a yearly standing instruction with their bank to automate their annual membership contribution.
Please refer to the Automatic Annual Payment for Associate Members guide.
How do I withdraw my membership?
Members who wish to withdraw their membership may submit a Membership Withdrawal Form (opens in new tab). Submission of the form serves as one month's written notice in accordance with LKM's Constitution.
Good to Know
Retirement Requires Reapplication
Membership does not continue automatically after retirement. Members who wish to continue must reapply as Associate Members.
Deductions Stop During NPL
Membership deductions stop automatically during NPL or salary suspension. Check your payslip to ensure your membership remains active.
Membership Can Go A Long Way
A single claim may already exceed years' worth of membership contributions.
General Grant Information
When can I start applying for grants?
You may apply for grants immediately upon becoming a member. However, the event which you are claiming (e.g., death, Hajj, Umrah, hospitalisation) must occur after membership commencement.
If the event happened before you became a member, your application cannot be processed.
What documents are required?
Supporting documents vary depending on the grant type. More information can be found under the relevant grant FAQ section.
Can someone apply for a grant on my behalf?
Yes, provided all required supporting documents are submitted.
How can I confirm that my application has been received?
If you see a successful submission message after completing the form, we have received your application. If in doubt, you can WhatsApp LKM (opens in new tab) for confirmation.
What happens if my documents are incomplete?
Incomplete submissions may delay processing. We will contact you if additional clarification or documents are needed.
How will approved grants be paid?
Approved grants are paid through bank transfer to the bank account provided in the application form.
Will I be informed if my grant application is approved?
Members will be notified through WhatsApp once the approved amount has been credited to their bank account. SMS may be used if WhatsApp is unavailable.
Is there a deadline to apply for a grant?
Grant applications must be submitted within one year from the event date (e.g., bereavement, hospitalisation, Hajj, Umrah). Applications received after one year will not be processed.
Can I apply for multiple grants at the same time?
Each form is for one grant claim only. Members submitting multiple claims should complete separate forms for each claim.
What should I do if my grant hasn't been processed after one month?
If it has been over a month and you have not received your grant, please WhatsApp us (opens in new tab) for an update.
Bereavement Grants
Funeral Services Not Included
LKM provides bereavement grants only. Funeral services and transport arrangements are not provided.
Multiple Member Applications Allowed
Multiple LKM members may each apply for the same parent's passing.
One-Year Submission Deadline
Applications must be submitted within one year from the date of death.
Bereavement grants are applicable for spouse, children, parents, and stillbirths only. They do not cover grandparents, parents-in-law, siblings, aunties, uncles, or extended family members.
What documents are required for the Bereavement Grant?
Supporting documents such as the death certificate and relevant documents showing your relationship to the deceased are required (e.g. birth certificate, marriage certificate, or adoption documents).
What should be done when a member passes away?
Where possible, LKM may reach out to the member's next-of-kin. Family members are encouraged to contact LKM directly regarding bereavement grant applications.
Who will receive the bereavement grant in the event of my passing?
The grant will be given to the individual who submits the application. LKM does not mediate disputes, so we advise members to inform their intended recipient to reach out to us when necessary.
I have previously applied for the spouse bereavement grant for my first wife. Can I apply again if my second wife passes away?
Yes. You may apply for the grant again.
Can I apply for the bereavement grant for my child who is 21 years old?
No. Under the LKM Constitution, the grant is applicable for children under 21 years of age.
Can I apply for a miscarriage?
No, the bereavement grant is only applicable for stillbirths, not miscarriages.
Can I apply for the bereavement grant if my step-parent passes away?
Applications may be considered if your biological parent passed away when you were young and your step-parent raised you. Supporting documents are required.
Cases outside of the above may be assesed on a case-by-case basis. Members may write to LKM (opens in new tab) for further assistance.
Can I apply for the grant if my adoptive parent passes away?
Yes, if you were legally adopted as a child. Relevant adoption documents are required as part of the application.
Cases outside of the above may be assessed on a case-by-case basis. Members may write to LKM (opens in new tab) for further assistance.
Hospitalisation Grants
Inpatient Admission Required
The Hospitalisation Grant is applicable for inpatient hospital admissions only.
Support, Not Reimbursement
Available even when your hospital bill was fully covered.
Once Per Calendar Year
Members may apply for the Hospitalisation Grant once per calendar year.
The Hospitalisation Grant is only applicable for formal inpatient hospital admissions. DS wards, observation wards, outpatient treatments, clinic visits, A&E visits without admission, and medical leave alone are not considered hospitalisation.
What supporting documents do I need to submit?
Please submit documents showing your admission and discharge dates, such as a discharge summary, hospitalisation memo, or other official hospital records.
My hospital bill was fully covered. Can I still apply for the Hospitalisation Grant?
Yes. Whether your bill was paid through subsidies, insurance, Medisave, pension benefits, or other schemes does not affect your eligibility. The grant is intended as support and is not tied to your out-of-pocket expenses.
If I was admitted in December and again in January, can I apply twice?
Yes. Since the admissions occurred in two separate calendar years, you may submit one claim for each year, subject to eligibility.
Hajj & Umrah Grants
Multiple Umrah Claims Allowed
Each Umrah trip may be submitted separately with supporting documents.
Visa & Travel Records
Visa and Saudi entry or exit stamps are required to support your application.
Best Applied After Your Return
This helps ensure all supporting documents are available for submission.
What documents do I need to submit?
Please submit your visa and saudi entry or exit records together with your application.
What if my passport was not stamped?
If immigration stamps are unavailable, please submit your flight itinerary. Flight tickets, boarding passes, or a receipt from your travel agency may also be accepted if the itinerary is unavailable.
I performed Umrah during my Hajj trip. Can I apply for both grants?
No. Hajj and Umrah grants cannot be claimed for the same trip. Members who perform Umrah as part of their Hajj journey may apply for the Hajj Grant only.
If I performed Hajj and Umrah in the same year, can I apply for both grants?
Yes. Members may apply for both, provided the necessary supporting documents are submitted for each application.
Can I submit multiple umrah claims using the same visa?
Yes. Each Umrah trip may be submitted separately even if the same visa was used.
Madrasah Study Grant
September Applications Only
Applications for the Madrasah Study Grant are only open once a year in September.
Part-Time Programmes Included
Weekend Madrasahs, ALIVE, ILHAM, and similar Islamic education programmes are also eligible.
Per Household Basis
Applications may be submitted for multiple children, but only one parent may apply.
The Madrasah Study Grant is subject to available budget and approval is not guaranteed. If applications exceed the available budget, priority may be determined based on Per Capita Income (PCI).
What is the Madrasah Study Grant?
The Madrasah Study Grant is an annual grant that supports and encourages Islamic education among the children of LKM members pursuing full-time or part-time Madrasah studies.
How much is the grant?
Full-time Madrasah: $300 per child
Part-time Madrasah: $100 per child
What programmes are eligible for the Madrasah Study Grant?
Eligible programmes include:
Full-time Madrasahs from primary to tertiary level
Weekend Madrasahs
ALIVE, ILHAM, Andalus, Cordova, and similar Islamic education programmes at the primary level and above
Are overseas Madrasahs eligible?
Yes, they may be considered.
My child's programme is called KBK, TKA, Kindergarten, or another level I'm unfamiliar with. How do I know if it qualifies?
The Madrasah Study Grant is only applicable from the primary level onwards. If you are unsure whether your child's programme is considered primary level, please check with the school or contact LKM (opens in new tab) before applying.
My child attends Quran classes. Is my child eligible?
Eligible programmes include Full-Time Madrasahs and part-time Weekend Madrasahs with a formal syllabus or curriculum.
Preschool, kindergarten, and general Quran reading classes are not eligible.
Can I apply for more than one child?
Yes. Multiple eligible children may be included in the same application, but only one parent may apply for each child.
My spouse is also an LKM member. Can we both apply for the same child?
No. Only one application may be submitted for each child.
Can I apply for my stepchild?
Yes. Please submit your marriage certificate together with the application.
Can I apply for my adopted child?
Yes. Please submit the relevant adoption documents together with the application.
Is there an age limit?
No. The grant covers Madrasah studies from primary to tertiary level.
What documents do I need to submit?
Please submit:
Your child's birth certificate; and
Any one of the following documents for the application year:
School identity letter
Result slip
Payment receipt
When can I apply?
Applications are only open during the annual application period in September.
I missed this year's application period. Can I still submit my application?
No. Applications are only accepted during the designated application period each year.
Is every application guaranteed to receive a grant?
No. The Madrasah Study Grant is subject to available budget and approval is not guaranteed.
How will I know if my application is successful?
Successful applicants will be notified after the assessment process has been completed. Notifications are typically sent by mid December.
Annual Gifts
Didn't Receive Your Gift?
Ordinary Members should contact their Division Representative. Associate Members should contact LKM.
Moved House?
Please update your address with LKM to ensure deliveries reach you.
Distribution Schedule
Calendars are distributed by year-end. Ramadhan Dates and Hari Raya Money Envelopes are distributed before Ramadhan.
I recently joined LKM. Am I eligible for the Annual Gifts?
Yes. Members may receive Annual Gifts upon submission of their membership application.
Who is my LKM Representative?
You may refer to the LKM Committee page for the latest list of Division Representatives and contact information.
Can I request additional Calendars, Dates, or Money Envelopes?
Additional items may be available after the main distribution has been completed. Members who are interested may contact LKM (opens in new tab) to register their interest. Requests will be fulfilled subject to availability.
Social Events
LKM events are shaped by member participation.
If there is an activity you would like to see, let us know. We welcome suggestions, volunteers, and members who are willing to help organise future events.
What kinds of social events does LKM organise?
LKM organises a variety of social events throughout the year, including family days, religious talks, and community gathering.
How will I know about upcoming events?
Upcoming events will be announced through LKM's communication channels, including WhatsApp broadcasts, and social media platforms.
Do I need to register for events?
Yes. Registration is usually required as event capacity, venue size, and logistical arrangements may be limited.
Can my family members attend?
This depends on the event. Details of eligible participants will be stated in the event announcement.
Why do I need to pay for an event when I already pay monthly membership fees?
Membership fees support LKM's overall operations, member benefits, welfare schemes, and activities throughout the year. Event fees help offset the costs of specific events, such as venue rental, meals, transport, and programme expenses.
Any fee charged is typically nominal and helps ensure that registered participants are committed to attending the event.
Why doesn't LKM organise more social events?
LKM is always looking for opportunities to organise meaningful activities for members. However, the number and variety of events each year depend on member interest and participation. Strong support encourages more events to be organised.
Why doesn't LKM organise activities such as football matches or other sports events?
LKM relies on volunteers to help plan and run many of its activities. If there is a particular event you would like to see, we welcome members to come forward and help spearhead the initiative. You may express your interest through your LKM Representative or by contacting LKM (opens in new tab) directly