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FAQs on Pension Services

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Medical / Travel Claims

Federal pensioners, eligible family members (husband or wife) and children under 18 years old; or, if still studying, under 21 years old; or for children who suffer disability due to brain defects or physical disability, for his/her lifetime.

Regulations on the application of medical claims for pensioners and dependants are subject to the Service Circular 21 Year 2009 which came into force on 1 November 2011. However, the application of the Service Circular is subject to the acceptance of each statutory body and local authority.

Supply of medical drugs, medical tools/devices, kidney treatment, expert services at any private hospital, emergency treatment at any private hospital, sterility treatment, treatment at IJN, and treatment in foreign countries.

Pensioners have to receive treatment and medical supplies at any government hospital/clinic and must receive confirmation/approval from a government physician. The form that pensioners have to fill in is Medical Form 1/09 and the financial documents (treatment bills, receipt, invoice etc.) must be attached to the form.

If any local physician confirms that the pensioner or his/her dependant needs to receive treatment from any physician at another place, the pensioner can claim any allowance that he/she is eligible to as if the pensioner or his/her dependant is travelling for official duties.

  • General Order Chapter B
  • Treasury Circular 3 Year 2003
  • Treasury Circular 2 Year 2006
  • Treasurt Circular Letter 8 Year 2010

Pension Matters

A pensioner-to-be should ensure that the Department submits complete retirement documents to KWAP no less than 3 months before the retirement date to ensure that the retirement benefits could be paid in time

The pensioner should ensure that the last Department submits an updated service statement to KWAP for retirement benefits recalculation.

The service periods that shall not be taken into consideration are the service periods as a backup, contract, attachment, and temporary officer.

The effective date of ASK retirement is one day after it is approved. Payment of the gratuity and Cash Award in Lieu of Leave (GCR), if any, will be made within 21 days from the retirement date while the monthly pension will be paid within 30 days.

Family members / heirs / dependants of the deceased (demised officer) should contact the last Department and submit all the required documents to ensure the last Department is able to submit the derivative pension documents to Post-Service Division, PSD within 7 days from the date of death. Regarding the application for Funeral Arrangement Assistance (BMJ) of RM3,000, it should be claimed from the deceased’s last Department.

Family members / heirs / dependants of the deceased (demised officer) should submit all the required documents to KWAP as soon as possible to ensure that the process of transferring the derivative pension to the eligible widow/widower/child/children can be done promptly. These include the application document for Funeral Arrangement Assistance (BMJ) of RM3,000 and should be submitted to KWAP.

Pension recipients who further their studies to the first-degree level should fill up the Pengesahan Anak Belajar di Institusi Pengajian Tinggi (IPT) – JPA.BP.SPT.B03a form and submit it to KWAP for information updating.

The widow/widower/child/children from marriage after retirement is/are eligible to receive the derivative pension limited to the balance out of 20 years from the retirement date.

The widow/widower from marriage after company privatisation is eligible to receive the derivative pension limited to 20 years after the privatisation date.

The member may switch to Scheme B within 2 years from the company’s privatisation date.

Cash Award in Lieu of Leave is a cash award given to Public Service Members who did not have the opportunity to utilise all of their leaves due to exigency of the service.

The Cash Award in Lieu of Leave came into effect on 1 January 1974 through Service Circular Number 1/1974 and is only granted to Public Service Members who retire on or after 1 January 1974.

The GCR Award is given only to Permanent Members (including officers under probation) and Temporary Members in Public Service who retire under Pensions Act 1980.

The GCR Award is not given to officers who resigned or officers who were dismissed due to disciplinary action.

Leave accumulation for the purpose of Cash Award in Lieu of Leave is based on the provision of para 21(1) Pensions Regulations 1980, relevant Service Circulars and General Orders Chapter C.

The GCR formula is as follows:

1/30 × accumulated leave days (no. of days) × (last-drawn salary + * fixed allowances)
The fixed allowances are:

  • Fixed Premier Post Allowance
  • Fixed Housing Allowance (ITP)
  • Fixed Entertainment Allowance (ITK)
  • Fixed Public Service Allowance (ITKA)

Subject to a maximum of 150 days

Public Service Department (PSD) is responsible for approving and paying the Cash Award in Lieu of Leave to federal public service pensioners, while state public service, statutory body and local authority pensioners will be paid by the last Department they served.

The GCR payment will be made within 21 days from the officer’s retirement date.

For couples who got married while in the service, their children’s entitlements are until 21 years of age or marriage, whichever comes first, or until graduation at the first-degree level.

The officer/employee may accumulate the maximum leaves during the final year of service according to his/her entitlement.

The pension documents can be sent to:

Retirement Fund (Incorporated)
Pension Services Department,

Level 2, Skytech Tower 2,
MKN Embassy Techzone,
Jalan Teknokrat 2, Cyber 4,
63000 Cyberjaya, Selangor.

The application form can be downloaded at or at the link and further information on BMJ is available at the link

Browse and “Like” our Facebook, i.e., Post-Service Division.

You may get a replacement pension card at the counter at KWAP Cyberjaya or JPA4U Counter at Block C2, PSD.

The BMJ application must be submitted within 12 months from the date of the pensioner’s death. 

You may call 03-88878777 or e-mail

In the case of death of a pensioner or pension recipient and no one is eligible for the Derivative Pension, the next of kin should take the following actions:

  1. Inform Pension Division (PD), PSD immediately about the death of the pensioner or pension recipient and furnish:
    1. 1 copy of the death certificate;
    2. Original Pension Card;
    3. Uncashed warrants, if applicable.
  2. PD, PSD will manage the balance of pension (if any), and payment will be made to the closest next of kin. The next of kin must present 1 copy of his/her ID Card.

General Questions

For pension / derivative pension benefits for ATM pensioners, you may check the status of application at the Veteran Affairs Department at or at the following address:

Pension Division, Veteran Affairs Department
Tingkat 8, Bangunan TH Perdana 101
Jalan Sultan Ismail
50250 Kuala Lumpur
Tel.No: 03-2050 8000

You may check your housing loan balance directly with the Public Sector Home Financing Board (LPPSA) at their website or at the following address:

No 9, Ministry of Finance Complex, Persiaran Perdana
Precinct 2
Federal Government Administration Centre
62592 Putrajaya.

Gratuity / monthly pension deductions for housing loan repayment shall be handled by the Post-Service Division at the instruction from LPPSA. Pensioners may refer to LPPSA for the issuance of a letter of instruction for pension deduction.

Notification of a change of address can be made at the PD counter, via mail or through PD’s website at

**Change of address through the website will be done within one week from the date the application is received.

The Pension Card allows pensioners and their eligible dependants to obtain free treatment at government clinics/hospitals. It can also be used to get discounts for the purchase of Keretapi Tanah Melayu tickets. The list of eligible discounts for pensioners with the Pension Card can be obtained from the KPDNKK website.

The compulsory retirement age (reached the age of retirement) for members of public service is 55/56/58 or 60 years subject to the retirement age option selected by the member.

A member with pension who has reached the age of 40 years and has a reckonable period of service of no less than 10 years may apply for optional retirement by furnishing the document/application through the Head of Department where the member serves. The eligibility for retirement benefits is as follows:

  1. In the case of an officer appointed before 12.4.1991, the payment of gratuity and GCR will be made on the date of retirement, and the officer will be eligible for the pension payments upon reaching the age of 45 years for women / 50 years for men; and
  2. In the case of appointment after 12.4.1991, the payment of gratuity and GCR will be made on the date of retirement, while the monthly pension payment shall commence when the officer reaches the age of 55 years for both women and men.

The lowest pension amount for reckonable service of at least 25 years (300 months) is RM1000 effective from 1 January 2018.

The maximum pension amount is for the reckonable service period of 30 years or more (360 months). The formula for the maximum pension calculation is 3/5 or 60 percent of an officer’s/employee’s last-drawn salary.

Regarding the repayment claim for the purchase of ceremonial attire, please refer to the Ceremonial Division (Bahagian Istiadat) of the Prime Minister’s Department at the telephone number of 03-88726670 / 6672 or 038000 8000, MyGCC.

KWAP PESD, Cyberjaya
Retirement Fund (Incorporated)
Pension Services Department,
Level 2, Skytech Tower 2,
MKN Embassy Techzone,
Jalan Teknokrat 2, Cyber 4,
63000 Cyberjaya, Selangor.
Telephone: 03-8887 8777

PSD, Sabah Branch PD
Public Service Department Malaysia,
Post-Service Division Sabah Branch,
Level 1, Block A,
Federal Government Administration Complex Sabah,
Jalan UMS – Sulaman, Likas
P.O. Box 2061,
88450 Kota Kinabalu,
Tel: 088 488661 / 088 488662 / 088 488663
Fax: 088 488664 / 088 488665

PSD, Sarawak Branch PD
Public Service Department,
Post-Service Division Sarawak Branch,
Level 2, Marzuki Building, Lot 1656 Section 65,
Jalan Tun Dato’ Patinggi Hj. Abdul Rahman Yaakub, Petrajaya,
93050 Kuching, Sarawak
Tel: 082 241144 / 082 251818 / 082 252493 / 082-234981
Fax: 082 250126

1Pesara@DBKL Counter
1Pesara Counter
Kuala Lumpur City Hall (DBKL)
DBKL Tower 1
Jalan Raja Laut
50350 Kuala Lumpur.
Tel: 03-2617 9941/ 9944

No. Only the widow/widower and child/children is/are entitled to receive the derivative pension.

No. There will be no deduction whatsoever from the retirement gratuity for any claim or expense incurred by a public employee while in the service.

Not true. All civil servants are entitled to pension subject to the conditions of permanent employment, confirmed post, conferred with the Pensionable Status (PTB) and retirement in accordance with pensions law.

No pension benefits shall be given to the officers who resigned or who were dismissed. Previous service can only be taken into consideration and combined for officers who are reappointed to permanent posts after 2012.

Payment Matters

Pension Payment Matters

Effective August 2012, a change of bank account for pensioners / pension recipients is allowed only once a year. Each request should be accompanied with a Bank Account Change Request letter, which can be downloaded from

Once completed, the letter can be mailed to the address below:

Retirement Fund (Incorporated)
Skytech Tower 2, Jalan Teknokrat 2,
Cyberjaya, 63000 Cyberjaya,
Selangor, Malaysia

Scheme A pension payment is a monthly pension payment that is credited directly into the account of the pensioner / pension recipient, whereas Scheme B requires the pensioner / pension recipient or representative to go to the bank every month to sign a pension claim form at the bank counter to get the pension payment credited into the account. Scheme B method of payment is usually used for invalid pensioners and disabled children who receive the pension.

If the pension payments under Scheme B are not claimed for 3 consecutive months, those payments will expire and the pension payment will cease in the following month. Pensioners need to report to KWAP to reactivate the account in order to resume the pension payments.

Yes, provided that the appointment of the representative is approved by the Post-Service Division. This representative appointment is granted to pensioners who are invalid and have a joint account. The representative must be a joint account holder with the pensioner / pension recipient.

Application may be made by filling out the JPA.BP.SKP.B08 – Permohonan Pelantikan Wakil Skim A (Application to Appoint a Representative for Scheme A) form, with a copy of the representative’s identity card attached.

Application may be made by completing the Funeral Arrangement Assistance form at

  1. Bank Muamalat (M) Berhad
  2. Malayan Banking Berhad (Maybank)
  3. Bank Simpanan Nasional
  4. Affin Bank Berhad
  5. CIMB Bank Berhad
  6. Bank Islam Malaysia Berhad
  7. Public Bank Berhad
  8. Alliance Bank Berhad
  9. RHB Bank Berhad
  10. HSBC Bank Malaysia Berhad
  11. Bank Kerjasama Rakyat (Malaysia) Berhad
  12. Hong Leong Bank Berhad
  13. Agro Bank Berhad

Scheme A is the method of paying the monthly pensions to pensioners / pension recipients by crediting directly into the bank account of the pensioners / pension recipients (Scheme A).

Scheme B is the method where pensioners / pension recipients need to go to the bank every month to fill in the form in order to get the money credited into their respective accounts.

Yes. Please fill in the representative appointment form (JPA.BP.SKP.B08), which can be downloaded from

Ex-Gratia Payment

Ex-Gratia Payment Upon Death is a gift from the Government to the dependants of a civil servant who died while in the service

To help the dependants of a demised civil servant who died within a service period of not more than 240 months.

Permanent or temporary Civil Servants who opt for the Pension Scheme or the Employees Provident Fund Scheme (EPF). These Civil Servants encompass Federal Public Service, State Service, Statutory Authority, and Local Authority employees.

The Ex-Gratia Payment Upon Death shall be given to the eligible widow/widower/children/mother/father. However, it shall not be given in cases of death confirmed to have resulted from suicides.

The amount is based on the duration of reckonable service, as follows:

Service Duration (Months) Ex-Gratia Payment (RM)
≤ 60 150,000
61 to 120 100,000
121 to 180 75,000
181 to 240 50,000

Payment is made in one lump sum to the eligible heir.

No. The Ex-Gratia Payment Upon Death is additional to the existing pension benefits.

The Ex-Gratia Payment Upon Death for civil servants who opted for the pension scheme will be processed simultaneously with the application for derivative pension benefits. For civil servants who opted for the EPF Scheme, an application should be submitted by the Head of Department to the Post-Service Division, Public Service Department. The application procedure and relevant form are detailed in Service Circular Number 11 Year 2019.

Pension Adjustment

Pension Adjustment of 2% per Year Effective from 2013

Pensioners / derivative pension recipients and dependant pension recipients of Federal, State, and Statutory and Local Authorities who have received pensions effective from 1 January 2013.

The payment will be made beginning from January 2013 for pensioners / derivative pension recipients and dependant pension recipients who received monthly pensions in 2012.

The 2 percent adjustment will be calculated based on the current pension amount received.

No. They will receive the 2% pension adjustment from 2017.

No. Instead, pensioners / derivative pension recipients and dependant pension recipients will receive the pension adjustment every year at the increment rate of 2 percent.

Calculation Formula: [Current pension amount + (Current pension amount × 2/100)] Example of the calculation of adjustment at a 2 percent increment rate per year: Encik Ahmad received a pension of RM1000.00 per month in 2012. How much are Encik Ahmad’s pension amounts from 2013 to 2016 including the 2 percent increment?

Monthly pension in 2013:
RM1000.00 × 2/100 = RM20.00 (2 percent increment)
RM1000.00 + RM20 = RM1020 (amount of monthly pension received)

Monthly pension in 2014:
RM1020.00 × 2/100 = RM20.40 (2 percent increment)
RM1020.00 + RM20.40 = RM1040.40 (amount of monthly pension received

Monthly pension in 2015:
RM1040.40 × 2/100 = RM20.80 (2 percent increment)
RM1040.40 + RM20.80 = RM1061.20 (amount of monthly pension received)

Monthly pension in 2016:
RM1061.20 × 2/100 = RM21.23 (2 percent increment)
RM1061.20 + RM21.22 = RM1082.43 (amount of monthly pension received)

Yes, they are entitled to the 2% adjustment subject to the applicable acts and laws.

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