Pension Protection · Kuala Lumpur

Your Retirement Deserves
A Clear, Steady Foundation

At Teguh, we help you understand your EPF and pension entitlements in plain language — and where things need sorting, we work through it with you, carefully and calmly.

Speak with Our Team View Our Services

EPF & Pension Specialists

+60 3-7493 2618

[email protected]

What We Offer

Three Services, One Clear Purpose

Each service is designed to give you more understanding and more control over your retirement arrangements — at a pace that suits you.

Retirement Entitlement Health Check

A friendly first step for those nearing retirement. We review your EPF (KWSP) statements and pension records, then explain in plain words what your entitlements look like — with a written overview and a relaxed consultation included.

EPF & pension record review
Written entitlement overview
One-to-one consultation
No pressure — clarity first

RM 600 Enquire Now

Pension Decision Appeal Support

Measured assistance for retirees who believe a pension or withdrawal decision was made in error. We review the determination, prepare a considered appeal, assemble documentation, and correspond with the administering body on your behalf.

Decision review and analysis
Appeal preparation and filing
Documentation assembly
Clear progress updates throughout

RM 1,240 Enquire Now

Family Pension Continuity Service

A thorough engagement for households who wish to secure survivor and dependant pension arrangements well in advance. Covers both public-scheme and private retirement provisions, with documentation and guidance for dependants.

Survivor & dependant provisions
Public and private scheme coverage
Consolidated family records
Guidance prepared for dependants

RM 1,900 Enquire Now

Why Teguh

A Steadier Way to Handle Pension Matters

We keep things orderly, well-paced, and easy to follow — so you always know where things stand.

Plain-Language Explanations

Pension documents can be dense. We translate them into straightforward summaries you can refer to and share with family.

Qualified Legal Team

Our practitioners have specific experience with EPF, KWAP, and private pension frameworks under Malaysian law — not generalists filling in.

Calm, Unhurried Consultations

No pressure, no rushing. We take the time to answer every question and make sure you're comfortable before any next steps are discussed.

Organised Documentation

Every engagement produces a neat, consolidated record. Your entitlements, documents, and correspondence — kept in clear order.

Your Decisions, Your Pace

We provide the picture; you decide what to do with it. Nothing is rushed or decided on your behalf without your full understanding.

Based in Kuala Lumpur

Our office is at Wisma UOA II, easily reachable by public transport. We also accommodate consultations by phone or video for those further afield.

Have Questions About Your Pension Entitlements?

We're here to help you get a clearer picture — without pressure and without jargon. A short conversation is often the best place to start.

Book a Consultation +60 3-7493 2618

Common Questions

Frequently Asked Questions

What is the difference between EPF and a pension scheme?

EPF (KWSP) is a mandatory savings fund for private sector and non-pensionable government employees. A pension scheme, typically for civil servants, provides a monthly payment for life upon retirement. Many retirees have contributions in both — and understanding each is an important part of planning well.

How do I know if my pension entitlement was calculated correctly?

If you've received a pension determination and something doesn't seem right — the amount, the qualifying service period, or dependant provisions — it's worth having someone review it. Our Pension Decision Appeal Support service is designed for exactly these situations.

Can my spouse or children receive pension benefits after I pass away?

Survivor and dependant pension entitlements do exist under certain schemes, but they require proper documentation and advance planning to be effective. Our Family Pension Continuity Service helps families prepare and record these arrangements with care.

What happens during the initial consultation?

We sit down — in person or by phone — to hear your situation and review any documents you've brought along. We explain what we see in plain terms and answer your questions. There's no obligation to proceed further after this.

How long does an appeal process typically take?

Timelines depend on the administering body and complexity of the case. We keep you updated at each stage and won't leave you wondering. Once we've reviewed your matter, we'll give you a realistic picture of what to expect.

Are your fees all-inclusive?

Each service has a listed fee that covers the work described. We'll let you know upfront if anything additional might apply — there are no surprises built into our billing.

Find Us

Our Office in Kuala Lumpur

Suite 8-3, Wisma UOA II, Jalan Pinang, 50450 Kuala Lumpur

Reach Out

We'd Be Glad to Hear From You

Fill in the form and someone from our team will be in touch. Or feel free to call — we're available during office hours.

Contact Details

Telephone