Your pension entitlements deserve careful, unhurried attention.
Pusaka Adil works alongside retirees and their families to understand pension rights, address disputes, and plan for the orderly transfer of retirement assets — at a pace that suits you.
Three ways we may be of service
Each engagement begins with a conversation. Nothing is rushed, and nothing is filed without your full understanding and agreement.
Pension Entitlement Review
A careful sit-down review of your pension entitlements under Malaysian law — covering KWSP records, employer contribution histories, and civil service pension schemes. You receive a plain-language written summary of where you stand and what realistic options exist.
- Initial document gathering and review
- Written advisory note in plain language
- Follow-up consultation call included
Pension Dispute Representation
Considered representation for pension entitlements that have been refused, reduced, or delayed. We favour negotiated resolutions where realistic, and explain each step in full before anything is filed. Nothing moves forward without your understanding and consent.
- Correspondence with employers and fund trustees
- Formal complaints to KWSP enforcement units
- Frank discussion of likely time and cost
Estate & Pension Succession Planning
Thoughtful planning for the orderly transfer of pension benefits, EPF balances, and retirement assets to your family. Covers nomination forms (penama), wills, and where suitable, hibah and amanah arrangements. Family members are warmly welcome to join the conversation.
- EPF nomination and penama review
- Will drafting and family trust guidance
- Hibah and amanah arrangements where appropriate
A practice built around your pace
No Pressure, No Rush
Every consultation moves at your pace. We do not use urgency language or push you toward decisions before you feel settled and ready.
Plain Language Always
Legal documents can feel dense and distant. We translate every finding and recommendation into language that is straightforward for you and your family.
Family Welcome
You are encouraged to bring a family member or trusted companion to any meeting. Having familiar company often makes difficult conversations easier to navigate.
Strict Confidentiality
Your pension details and personal circumstances are held in complete confidence. We observe Malaysian Bar Council professional conduct rules without exception.
Deep Local Knowledge
We work specifically within the Malaysian pension framework — KWSP, Kumpulan Wang Persaraan, and civil service statutory schemes — and understand how these interact with personal estate planning.
Phone and In-Person Options
We are happy to conduct initial consultations by telephone for clients who find travel difficult, and our Bukit Bintang office is accessible by public transport.
Is your pension entitlement what it should be?
Many retirees and pre-retirees discover gaps in contribution records or miscalculated benefits only after they have left employment. A careful review now can make a meaningful difference.
Questions we hear most often
What happens at a first consultation?
How long does a pension entitlement review typically take?
Can family members attend meetings on behalf of an elderly parent?
What documents should I bring to a first meeting?
Do you handle disputes with private sector employers as well as the government?
What does succession planning for pension assets involve?
Find Our Office
Lot 14-3, Jalan Bukit Bintang, 55100 Kuala Lumpur
We would be glad to hear from you
There is no obligation in making an enquiry. We will listen carefully and respond at a measured pace.
Contact Details
55100 Kuala Lumpur
Malaysia
Saturday: 9:00 am – 1:00 pm
Sunday & Public Holidays: Closed
"We understand that pension matters often carry considerable personal weight. Please reach out at a time that suits you — there is no rush, and all enquiries are handled with care."