Ahmad Zulkifli bin Nordin
Petaling Jaya, Selangor
I came in with a folder of letters I had been putting off reading for two years. By the end of the session I understood exactly what had happened to my pension — a period of contract work had not been credited properly — and what my options were. Everything was explained clearly without rushing me.
Consultation Session • June 2025
Lim Huey Ling
Kuala Lumpur (assisting her mother)
My mother was receiving a pension that seemed too low, but she did not want to make a fuss. I attended the consultation session with her. They took their time explaining every document on the table and never made either of us feel we were taking too long. The appeal we filed was settled within three months.
Appeal Service • May 2025
Ravindran Osman
Klang, Selangor
The full review took a little longer than I hoped — closer to seven months in the end — but I was kept informed throughout. What I found valuable was that they told me upfront which parts of my claim were strong and which were less certain. I appreciated that honesty more than I expected to at the time.
Full Entitlement Review • April 2025
Noraini bt. Rashid
Cheras, Kuala Lumpur
I used the video appointment option as I live some distance from the city centre. It worked without any difficulty. The adviser called before the session to explain what to have ready. My daughter joined from a separate location. All three of us could follow what was being explained without any problem.
Consultation Session (Video) • June 2025
Tan Kim Hock
Ampang, Selangor
My former employer had closed down, and I was not certain whether my EPF contributions from that period had been recorded. Tiang Amanah traced the records and confirmed most of them were intact — and identified one quarter that had not been credited. They handled all the correspondence to have it corrected.
Full Entitlement Review • March 2025
Siti Maryam binti Ghazali
Wangsa Maju, Kuala Lumpur
I was told by a different adviser that my appeal would probably not succeed and was advised not to proceed. Tiang Amanah reviewed the same documents and gave me a different, more nuanced assessment. The appeal did not fully succeed, but a partial adjustment was made. I felt the process was handled with care throughout.
Appeal Service • May 2025
These accounts have been condensed and any identifying details changed. They illustrate the kinds of matters we handle and how they typically unfold.
The Situation
A retired civil servant had been receiving a monthly pension that was noticeably lower than expected. The letter from the relevant authority referred to a deduction applied under a provision that was not explained in plain language. The client had not disputed it, partly because the letter seemed final and partly because she was not sure where to begin.
What We Did
We reviewed the scheme rules that applied at the time of retirement, identified the provision cited, and found that it had been applied to a period of service that fell outside its scope. A written submission was prepared setting out the error and requesting a recalculation, supported by the client's service record.
The Outcome
The authority agreed that the deduction had been applied incorrectly to a portion of the service period. The monthly payment was revised upward and a retrospective adjustment was made for the period since retirement. The matter concluded in approximately five months from the initial consultation.
The Situation
A man who had worked for several employers over a thirty-year career noticed that his EPF statement showed a gap of nearly two years. He believed he had been employed continuously during that period and that his former employer had been making contributions throughout.
What We Did
We traced the employer from records held at the Companies Commission and obtained payroll records for the period in question through correspondence with the company's current successor entity. The records confirmed that contributions had been deducted from wages but not remitted to EPF.
The Outcome
EPF confirmed the missing contributions and credited them to the client's account with accumulated dividends. The matter required persistent follow-up over approximately six months given the number of entities involved, but the client received a written update at each stage and did not need to contact any authority himself.
The Situation
An adult daughter had noticed that her mother's pension payments seemed inconsistent from month to month. The mother was reluctant to make a formal complaint and was worried about losing what she was already receiving. The family wanted to understand the situation before deciding anything.
What We Did
The family used our consultation session, with the daughter joining from a different city by video. We reviewed the payment records and the relevant scheme rules, and explained what the variation in amounts was likely to reflect. We also set out what a formal enquiry would involve and what risk, if any, it would carry.
The Outcome
The family decided, on the basis of the session, that no formal action was needed — the variations reflected a cost-of-living indexation mechanism that had not been explained to the client when she retired. They left with a clear written summary and the knowledge that no entitlement had been lost. No further work was required.
Office
40 Jalan Raja Chulan
50200 Kuala Lumpur
Hours
Mon–Fri: 9:00 am – 5:30 pm
Sat: 9:00 am – 1:00 pm
Closed public holidays
340+
Clients assisted since opening
8
Years focused on pension law in Malaysia
94%
Of matters settled without a formal hearing
4.8
Average client satisfaction rating out of 5
Malaysian Bar Council
Practising members in good standing
PDPA 2010 Compliance
All client data handled in accordance with Malaysian law
Specialist Focus
Pension matters only — no general practice work
We are happy to hear what you are dealing with and to say, at no charge, whether it is a matter we could assist with.
Contact Tiang Amanah