FAQs on Pension Services

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FAQs on Pension Services

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Medical / Travel Claims

1. Who is entitled to claim for medical benefit expenses?

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.

2. Are Statutory and Local Authority pensioners entitled to claim for medical benefit expenses?

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.

3. What are the medical benefits that can be claimed by federal public pensioners?

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.

4. How can I claim for the expenses for medicine / medical equipment supplies?

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.

5. What are the eligibilities for travel claims for the purpose of seeking treatment?

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.

6. References:

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

Pension Matters

1. What are the roles and responsibilities of a pensioner-to-be?

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

2. What should be done in the case where there is a promotion, salary movement, or any change to the service and last-drawn salary after retirement?

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

3. Can the duration of backup service be taken into consideration for the purpose of calculating the retirement benefits?

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

4. When will the gratuity and pension be paid for retirement due to Health Reasons (ASK)?

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.

5. What should be done by the family members in the case of death of an officer while in service?

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.

6. What should be done in the case of death after retirement and the widow/widower or child/children is/are still eligible to receive the derivative pension?

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.

7. What should be done in the case where the pension recipient further his/her study to the first-degree level?

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.

8. Would a widow/widower whom the pensioner married after retirement qualify for derivative pension?

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.

9. Would a widow/widower whom the pensioner married after company privatisation be eligible for derivative pension?

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

10. A member of a privatised agency chose Scheme A (government salary scheme). Is he/she allowed to switch to Scheme B (company-style salary)?

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

11. What is “Cash Award in Lieu of Leave” (GCR)?

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.

12. When does GCR become effective?

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.

13. Who is entitled to receive the GCR Award?

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.

14. Who is not entitled to receive the GCR Award?

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

15. How are the leaves accumulated?

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.

16. GCR calculation formula

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

17. Which department pays the GCR?

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.

18. When will the GCR payment be made?

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

19. For couples who got married while in the service, what are their children’s entitlements for the derivative pension?

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.

20. Can an officer/employee accumulate all the leaves during the final year of service for the purpose of converting to Cash Award in Lieu of Leave (GCR)?

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

21. To whom should the pension documents be sent?

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.

22. Where can I download the application form for Funeral Arrangement Assistance (BMJ)?

The application form can be downloaded at www.jpapencen.gov.my. or at the link http://www.jpapencen.gov.my/borang/bmj/Borang_BMJ-BM.pdf. and further information on BMJ is available at the link http://www.jpapencen.gov.my/bmj.html.

23. How can I obtain the latest information and news about pension administration and related matters?

Browse www.jpapencen.gov.my. and “Like” our Facebook, i.e., Post-Service Division.

24. What are the procedures for replacing a missing pension card?

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

25. Is there a specific time limit to claim the Funeral Arrangement Assistance (BMJ) Payment?

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

26. I am a public officer in charge of officer/member pension in our Department. What are the contact number and e-mail address that could be contacted?

You may call 03-88878777 or e-mail mypesara@kwap.gov.my.

27. What should be done by the next of kin in the case of death of a pensioner or pension recipient who has no eligible heir to receive the derivative pension?

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:

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.
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

1. I am a pensioner / derivative pension recipient from the Malaysian Armed Forces (ATM). Where can I check the status of my application?

For pension / derivative pension benefits for ATM pensioners, you may check the status of application at the Veteran Affairs Department at http://www.jhev.gov.my/ 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

2. Where can I check my housing loan balance?

You may check your housing loan balance directly with the Public Sector Home Financing Board (LPPSA) at their website http://www.lppsa.gov.my or at the following address:

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

3. How can I make housing loan repayment through gratuity / monthly pension deductions?

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.

4. How can a pensioner make a notification of a change of address?

Notification of a change of address can be made at the PD counter, via mail or through PD’s website at http://apps.jpapencen.gov.my/

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

5. What are the benefits of the Pension Card?

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.

6. What is the compulsory retirement age for public service members?

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.

7. When can a member of the public sector apply for optional retirement?

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:

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
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.

8. What is the lowest pension amount?

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

9. What is the maximum pension amount?

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.

10. I have been awarded a medal by the palace. Can I make a repayment claim for the purchase of ceremonial attire and other related claims?

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.

11. Where can pensioners’ affairs be dealt with other than at PSD Putrajaya?

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
E-mail: mypesara@kwap.gov.my/

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,
Sabah.
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

12. Can the mother of a deceased single officer/employee receive the derivative pension?

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

13. I have claimed for medical benefits for myself, my spouse, children, and parents while I am still in the service. Will all the medical or expense claims that I made while in the service be deducted in the calculation of my retirement gratuity when I retire later?

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.

14. Am I not eligible for pension if I have served for less than 25 years?

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.

15. Will the officers who resigned be entitled to pension?

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

1. What is the procedure for a pensioner who wants to change his/her paying bank?

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 http://www.jpapencen.gov.my/penukaran_akaun.html

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

2. What are Scheme A and Scheme B monthly pension payments?

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.

3. What are the implications if the pension under Scheme B is not claimed for 3 months or more?

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.

4. Can an individual other than the pensioner / pension recipient claim for the pension?

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.

5. What is the procedure for a pensioner who wants to switch from Scheme B to Scheme A with a representative?

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.

6. What is the procedure for applying for the funeral arrangement assistance?

Application may be made by completing the Funeral Arrangement Assistance form at http://www.jpapencen.gov.my/borang/bmj/Borang_BMJ-BM.pdf

7. List of participating banks in the pension payment through a bank system

8. What are Scheme A and Scheme B?

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.

9. Can a pensioner under Scheme B switch to Scheme A?

Yes. Please fill in the representative appointment form (JPA.BP.SKP.B08), which can be downloaded from http://www.jpapencen.gov.my

Ex-Gratia Payment

1. What is “Ex-Gratia Payment Upon Death”?

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

2. What is the purpose of giving the Ex-Gratia Payment Upon Death?

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

3. Who is entitled to receive the Ex-Gratia Payment Upon Death?

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.

4. Who is entitled to receive the Ex-Gratia Payment Upon Death?

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.

5. What is the amount of Ex-Gratia Payment Upon Death?

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

6. How is the Ex-Gratia Payment Upon Death made?

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

7. Does the Ex-Gratia Payment Upon Death replace the Derivative Ex-Gratia / Work Disaster Ex-Gratia?

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

8. Does the officer’s heir need to apply for the Ex-Gratia Payment Upon Death?

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

1. Who is entitled to receive the 2 percent pension adjustment?

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.

2. When will the pension adjustment of 2 percent be paid to pensioners?

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

3. Is the 2 percent adjustment calculated based on the pension amount or the original pension amount (the pension amount upon retirement)?

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

4. Are the pensioners who retired on 1/1/2016 entitled for the 2 percent adjustment for that year?

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

5. In the case of a salary review for public sector members, will pensioners receive a pension adjustment based on the salary increment of public sector members?

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

6. How is the 2 percent adjustment calculated?

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)

7. Are members of parliament, members of the Senate and judges entitled to the 2 percent adjustment?

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

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