Shared by those who have worked with us.
Pension matters touch on deeply personal circumstances. These are some of the experiences clients have been willing to share.
← Back to HomeIn their own words
My father retired after thirty-two years in the civil service and had been receiving a reduced pension for three years without understanding why. Puan Rashidah took the time to go through every document with us, and then wrote a clear letter of explanation that even my father could follow without assistance. The matter was resolved in about four months. We did not need to go through any formal hearing.
I came in expecting a very formal, hurried appointment. Instead it was more like a long conversation over two visits. Encik Farouk explained what my EPF statement actually meant — something nobody had done in twenty years of working. I found out my previous employer had underpaid contributions for several years. The review was good value for what I received.
My husband passed away in November and we had not updated his EPF nomination for many years. Mei Yee was very helpful in gathering the forms we needed and Puan Rashidah walked me through what we could realistically expect. The succession planning service helped me understand my rights as a spouse and what my children are entitled to. I felt I was treated with dignity throughout.
I am 68 and was very hesitant about getting a lawyer involved in my pension matter. My daughter encouraged me to make the appointment and came along with me. Both of us were made to feel welcome — there was no sense of being rushed or talked down to. The written note we received afterwards was very clear and I shared it with my other children so they could understand the situation too.
We engaged Pusaka Adil for a dispute regarding my mother's pension after she was made to feel her claim was not valid by her former employer. Encik Farouk wrote a formal letter to the employer and the KWSP enforcement unit. The tone was firm but measured — nothing aggressive. A settlement was reached within three months that my mother felt comfortable accepting. She said she was glad she had pursued it.
My late mother's EPF nomination had not been updated since 1998 and named relatives who had since passed away. The estate planning service helped us navigate what would otherwise have been a very complicated distribution process. Puan Rashidah was patient and thorough, and she called us at each stage rather than waiting for us to follow up. We would recommend this practice to any family in a similar position.
Three matters, summarised
Details have been changed to protect client identity. These summaries are shared to illustrate the kinds of situations we work with.
Underpaid contributions, manufacturing sector
A retiree in her early 60s suspected her former employer had been calculating EPF contributions on a reduced salary figure, understating employer contributions for nearly eight years. She had raised the matter with her former employer and received no substantive response.
We obtained the KWSP contribution records for the relevant period, compared them against payslip evidence, and prepared a formal representation to the KWSP enforcement unit. We also corresponded with the former employer's legal department.
The employer agreed to pay the shortfall plus applicable interest within approximately five months of our initial representation. No tribunal proceedings were required. The client described the outcome as more than she had expected.
Delayed civil service pension after retirement
A retired teacher had been waiting eleven months for his government pension to begin. Correspondence with the relevant department had gone unanswered, and the delay was causing significant financial strain on the family.
We drafted a formal letter to the Jabatan Perkhidmatan Awam setting out the timeline of the delay and requesting a written response within a specific period. A follow-up letter was prepared and sent when the initial deadline passed.
Pension payments commenced within six weeks of our first letter, and a small back-payment was made to cover the delay period. The client later said the formal letter had achieved in weeks what months of personal correspondence had not.
Estate and EPF succession following unexpected passing
A family contacted us after their father passed away unexpectedly at 67. He had a substantial EPF balance, a small civil service pension entitlement, and a will that had not been reviewed in fifteen years. Nominations were out of date and did not reflect his current family structure.
We worked with the family over several meetings to understand the full picture of assets and dependants. We prepared the relevant KWSP documentation, assisted with the extraction process, and advised on the interaction between the will and the EPF nomination.
The EPF balance was distributed to the estate within the statutory timeframe. The family said they would not have known where to begin without assistance. Two of the adult children subsequently engaged us to review their own pension nominations.
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Credentials and affiliations
Malaysian Bar Council
All advocates hold current practising certificates and comply with the full professional conduct framework.
Elder Law Specialist Training
Specialist CPD completed through the Asia Pacific Mediation Centre and Majlis Peguam programmes.
Professional Indemnity Insurance
Maintained as required under Malaysian Bar Council regulations for the protection of all clients.
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