How We Approach Every Matter
We begin by understanding what the client already has: the letters they received, the records they kept, and what they were told at the time they retired or left employment. From that starting point, we identify what is missing and what the available evidence suggests.
We do not tell clients what they want to hear. If the records are incomplete, we say so. If the options are limited, we explain why. The process works better when expectations are clear from the first meeting.
Initial Assessment
Review of available documents and records
Honest Appraisal
Clear explanation of what the evidence shows
Options Discussion
Setting out what is available and what each involves
Client Decision
How to proceed is chosen by the client, not assumed
Ongoing Updates
Written progress notes at each stage of the matter
Service 1
Full Pension Entitlement Review and Representation
A complete review of retirement entitlements — employment records, contribution histories, scheme rules and any deductions applied — followed by representation in correspondence and hearings where the matter is disputed.
- Gathers documents from former employers
- Prepares written submissions to scheme administrators
- Attends hearings on the client's behalf
- Written update at each stage of the matter
- Family members welcome at all meetings
- Suitable for long or contested matters
Typical Duration
Four to nine months
Fee
RM 650
Service 2
Appeal Against a Reduced or Refused Payment
Preparation and filing of an appeal where a payment has been reduced, delayed or declined. A written analysis of the reasons given is provided, supporting evidence collected, and the appeal submission drafted and filed.
- Written analysis of the decision under appeal
- Collection and review of supporting evidence
- Drafting and filing of the appeal submission
- Covers one round of correspondence and one hearing
- Honest assessment of likely outcomes at the outset
Typical Duration
Two to four months
Fee
RM 420
Service 3
Consultation and Document Preparation Session
A ninety-minute meeting — in person or by video — in which the client's situation is reviewed, correspondence is explained in plain language, and paperwork is prepared and organised into a folder the client keeps.
- Explains scheme correspondence in plain language
- Identifies missing records and how to obtain them
- Sets out all available options without pressure
- Organises paperwork into a folder you keep
- Suited to families helping a parent
- No obligation to take any further steps
Duration
Ninety minutes, fixed
Fee
RM 150
Choosing the Right Service
This table shows what each service covers. The consultation session is a good starting point if you are unsure which applies to your situation.
| Consultation RM 150 |
Appeal RM 420 |
Full Review RM 650 |
|
|---|---|---|---|
| Explains your current pension correspondence | |||
| Identifies missing employment records | |||
| Prepares and organises your documents | |||
| Drafts and files an appeal submission | |||
| Retrieves records from former employers | |||
| Attends hearings on your behalf | |||
| Suitable for long or multi-stage contested matters |
Not sure which service fits? The consultation session is the clearest starting point.
Standards Applied Across All Three Services
Personal Data Protection
All client information is handled under the Personal Data Protection Act 2010 (Malaysia). No records are shared without written consent.
Written Records Throughout
Every advice, update and explanation is provided in writing. Nothing important is communicated only by phone or informally.
Scope Agreed Before Work Begins
What each service covers is agreed and recorded before the matter starts. Any extension to scope is discussed and agreed separately.
Realistic Timelines Given
Durations are expressed as ranges because third-party response times vary. We do not give fixed deadlines we cannot control.
Service Fees
All fees are in Malaysian Ringgit and are stated before any work begins.
Session
Consultation
RM 150
Fixed — 90 minutes
- Situation review
- Document organisation
- Plain-language explanation
- Options overview
Per Matter
Appeal Preparation
RM 420
Two to four months
- Decision analysis
- Evidence collection
- Appeal submission drafted
- One hearing covered
Per Matter
Full Review & Representation
RM 650
Four to nine months
- Complete entitlement review
- Record retrieval from employers
- Written submissions prepared
- Hearing attendance on your behalf
Not Sure Which Service Fits Your Situation?
Write to us or call — we can usually tell from a short description which of the three services would suit your matter, at no charge.
Get in Touch