Our Services
Three Services, Each at a Different Stage of Your Journey
Whether you are beginning to understand your entitlements, responding to a pension decision, or coordinating a full retirement plan for your household — we have a service suited to where you are.
Back to HomeOur Approach
How We Work
Each Pelindung engagement follows a consistent structure, regardless of which service you select. We begin by reviewing whatever documentation you have, then prepare a written position summary before any correspondence is sent. We update you at each stage and do not proceed to the next step without your understanding and agreement.
Our methodology reflects the nature of pension matters: they are not urgent in the way a court deadline might be, but they do require sustained, orderly attention. We coordinate all aspects of an engagement so that nothing falls through the gaps — including liaising directly with EPF offices, pension authorities, and where relevant, employer records.
Initial Review
Documents assessed and position established
Written Summary
Position explained in clear written form
Action & Liaison
Correspondence with authorities where applicable
Outcome & Record
Resolution documented and filed for your records
Service One
Pension Entitlement Walkthrough
A welcoming session for individuals who want to understand clearly where they stand with their EPF (KWSP) and pension records. We review the available documentation, explain what it shows, and provide a written summary. The decision on any further steps rests entirely with you — there is no expectation that this session leads to anything more.
This service is suited to people approaching retirement, those who have recently retired and want to verify their records, or anyone who received a pension statement that was not clearly explained.
What is included:
- Review of EPF and/or pension records
- Written summary of your position
- One-on-one discussion — unhurried
- Explanation of available options
- No obligation for further engagement
Fee
RM 580
Completed within approximately 2 weeks
Service Two
Pension Claim Review & Appeal
Careful assistance for retirees whose pension claim has been declined or where the amount received appears lower than it should be. We begin by assessing the decision and the available documentation, and we advise you honestly on whether an appeal is a reasonable course of action.
Where an appeal is appropriate, we prepare the correspondence, gather the supporting documentation, and manage all communication with the relevant authority. We keep proceedings measured and orderly, and update you throughout.
What is included:
- Case assessment and honest appraisal
- Preparation of appeal documentation
- Gathering and organising supporting records
- Written correspondence to authority
- Progress updates at each stage
Fee
RM 1,240
Typical duration: 2 – 4 months
Service Three
Complete Retirement Protection Plan
A thorough engagement designed for households managing retirement entitlements across both EPF (KWSP) and the public sector pension scheme (KWAP). This service brings together entitlement review, appeal support if required, and survivor pension documentation into a single coordinated engagement.
At the close of the engagement, we prepare a consolidated record of all entitlements, correspondence, and documentation — organised in a form that can be referenced by dependants and family members in future years.
What is included:
- Full EPF and civil pension review
- Appeal support where applicable
- Survivor pension documentation
- Multi-scheme coordination
- Consolidated record for family
- Regular written progress updates
Fee
RM 1,910
Full engagement, typically 3 – 5 months
Which Service Fits You
Choosing the Right Engagement
The table below helps you identify which service best matches your current situation.
| What applies to you | Walkthrough RM 580 |
Review & Appeal RM 1,240 |
Full Plan RM 1,910 |
|---|---|---|---|
| I want to understand my EPF balance and entitlements | |||
| My pension claim was declined or the amount seems wrong | |||
| I have both private EPF and civil service pension | |||
| I want to arrange survivor pension documentation for my family | |||
| I want a written record of all my entitlements |
Not sure which applies to you? Contact us and we will help you identify the most suitable path.
Service Fees
Clear Pricing, No Surprises
All fees are fixed per service and documented before any work begins.
Service One
Entitlement Walkthrough
RM 580
per engagement
- EPF & pension record review
- Written summary
- Personal discussion session
- Options explained
Service Two
Claim Review & Appeal
RM 1,240
per engagement
- Case assessment
- Appeal preparation
- Documentation gathering
- Authority correspondence
Service Three
Complete Protection Plan
RM 1,910
per engagement
- Full EPF & KWAP review
- Appeal support
- Survivor pension docs
- Family consolidated record
Our Standards
Shared Across Every Engagement
Data Privacy
All client documents handled under PDPA 2010. Strict access controls and no sharing with third parties.
Written Scope First
No work begins without a documented scope of service that both parties have agreed to.
Regular Updates
Written progress notes at each stage — you will always know where the matter stands.
Bar Council Standards
Our principal adviser operates under the professional conduct rules of the Bar Council of Malaysia.
Ongoing Legal Development
The team participates in continuing legal education covering EPF, civil pension, and administrative law.
Honest Counsel
We advise against proceeding when the facts do not support it. Our goal is your clear position, not a long engagement.
Not Sure Where to Begin?
Reach out and tell us briefly about your situation. We can help you identify the appropriate service and answer any initial questions without any commitment on your part.
Get in Touch