Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B40 household with kids can add up to a meaningful few hundred to over a thousand ringgit across the payment phases in a year, paid directly into your bank account, and application is through the LHDN/MOF online portal, you just need your MyKad details, income info, and household details. The key is your info must be accurate and updated, especially your bank account and marital/household status, because most rejections or delays are due to outdated details or mismatched records. Beyond STR, look at Sumbangan Asas Rahmah (SARA) for basic goods if eligible, PTPTN repayment discounts during promo periods, MyKasih, subsidised programs, and if you have schooling kids there's Bantuan Awal Persekolahan. Set aside one evening, gather your documents, and apply for everything you qualify for, it's real money you're leaving on the table otherwise. Check the official portals directly and beware scam links asking for fees, real govt aid never charges you to apply.