{"id":22345,"date":"2023-08-16T13:32:23","date_gmt":"2023-08-16T05:32:23","guid":{"rendered":"https:\/\/www.kwap.okie.my\/?page_id=22345"},"modified":"2023-08-16T13:38:45","modified_gmt":"2023-08-16T05:38:45","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.kwap.gov.my\/stg\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"22345\" class=\"elementor elementor-22345\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0fa1c6d elementor-section-full_width elementor-section-items-stretch elementor-section-content-middle elementor-section-height-min-height no-dark inner-banner elementor-section-height-default\" data-id=\"0fa1c6d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d2f2754\" data-id=\"d2f2754\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a0a0fcf elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"a0a0fcf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-794fa21\" data-id=\"794fa21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d13eb41 elementor-widget__width-initial elementor-absolute diamond elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"d13eb41\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddb802e elementor-widget__width-initial animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ddb802e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-df6d55a\" data-id=\"df6d55a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-920add2 elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"920add2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"455\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg\" class=\"attachment-full size-full wp-image-22327\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg 1600w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner-300x85.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner-1024x291.jpg 1024w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner-768x218.jpg 768w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner-1536x437.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a396831 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a396831\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e00e1fb\" data-id=\"e00e1fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64d5e04 home-news faq-accor elementor-invisible elementor-widget elementor-widget-pp-advanced-tabs\" data-id=\"64d5e04\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"pp-advanced-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-tabs pp-style-8 pp-tabs-responsive-no\" data-scroll-top=\"yes\">\n\t\t\t<div class=\"pp-advanced-tabs-wrapper pp-tabs-labels at-horizontal  at-hover\" role=\"tablist\">\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"pp-advanced-tabs-title-1051\" class=\"pp-advanced-tabs-title pp-tabs-label pp-advanced-tabs-desktop-title pp-tab-active\" data-tab=\"1\" data-index=\"1051\" tabindex=\"0\" role=\"tab\" aria-controls=\"pp-advanced-tabs-content-1051\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Corporate<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"active-slider-span\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"pp-advanced-tabs-title-1052\" class=\"pp-advanced-tabs-title pp-tabs-label pp-advanced-tabs-desktop-title \" data-tab=\"2\" data-index=\"1052\" tabindex=\"0\" role=\"tab\" aria-controls=\"pp-advanced-tabs-content-1052\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Pension Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"active-slider-span\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"pp-advanced-tabs-title-1053\" class=\"pp-advanced-tabs-title pp-tabs-label pp-advanced-tabs-desktop-title \" data-tab=\"3\" data-index=\"1053\" tabindex=\"0\" role=\"tab\" aria-controls=\"pp-advanced-tabs-content-1053\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Contribution<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"active-slider-span\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"pp-advanced-tabs-title-1054\" class=\"pp-advanced-tabs-title pp-tabs-label pp-advanced-tabs-desktop-title \" data-tab=\"4\" data-index=\"1054\" tabindex=\"0\" role=\"tab\" aria-controls=\"pp-advanced-tabs-content-1054\">\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Investment<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"active-slider-span\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"pp-advanced-tabs-content-wrapper pp-tabs-panels at-horizontal-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"pp-tabs-panel\">\n\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title pp-tabs-label pp-tab-responsive pp-tab-active  at-hover\" data-index=\"1051\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Corporate<\/span>\n\t\t\t\t\t\t\t\t<i class=\"pp-toggle-icon pp-tab-open fa\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"pp-advanced-tabs-content-1051\" class=\"pp-advanced-tabs-content elementor-clearfix pp-advanced-tabs-section pp-tab-active\" data-tab=\"1\" data-index=\"1051\" role=\"tabpanel\" aria-labelledby=\"pp-advanced-tabs-title-1051\">\n\t\t\t\t\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"22295\" class=\"elementor elementor-22295\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25fd0004 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"25fd0004\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d05452d\" data-id=\"5d05452d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1008cf7f kwap-accordion custom-num-listing elementor-widget elementor-widget-tp-accordion\" data-id=\"1008cf7f\" data-element_type=\"widget\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad02a52a\" data-accordion-id=\"accordion69f30ad02a52a\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2691\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2691\">\n                                \n                <span style=\"width:100%\">What is KWAP\u2019s main activity?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2691\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2691\">\n                <div class=\"plus-content-editor\" ><p>KWAP\u2019s main activity is managing contributions to and investments of the Fund as well as the management of pension payments.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2692\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2692\">\n                                \n                <span style=\"width:100%\">Does KWAP have branches in each state?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2692\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2692\">\n                <div class=\"plus-content-editor\" ><p>No. At the moment KWAP operates from its\u00a0main office in Kuala Lumpur while its Pension Services operates from the Cyberjaya office, which is strategically located close to the Government offices.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2693\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2693\">\n                                \n                <span style=\"width:100%\">How can I get more information about KWAP?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2693\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2693\">\n                <div class=\"plus-content-editor\" ><p>For general information and public relations, please write to\u00a0<a href=\"mailto:corpaffairs@kwap.gov.my\">corpaffairs@kwap.gov.my<\/a>\u00a0or contact our front desk at +603 2174 8000.<\/p><p>Questions on pension-related information and other queries may be directed to\u00a0<a href=\"mailto:mypesara@kwap.gov.my\">mypesara@kwap.gov.my\u00a0<\/a>or the MyPesara careline at +603 8887 8777.<\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pp-tabs-panel\">\n\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title pp-tabs-label pp-tab-responsive   at-hover\" data-index=\"1052\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Pension Services<\/span>\n\t\t\t\t\t\t\t\t<i class=\"pp-toggle-icon pp-tab-open fa\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"pp-advanced-tabs-content-1052\" class=\"pp-advanced-tabs-content elementor-clearfix pp-advanced-tabs-section \" data-tab=\"2\" data-index=\"1052\" role=\"tabpanel\" aria-labelledby=\"pp-advanced-tabs-title-1052\">\n\t\t\t\t\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"22298\" class=\"elementor elementor-22298\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-217fb666 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"217fb666\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30164dbc\" data-id=\"30164dbc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a186ace kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7a186ace\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you cannot find an answer to your question please\u00a0<a href=\"\/contact-us\"><span style=\"color: #0066cc;\">contact us<\/span><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-278a2443 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"278a2443\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Medical \/ Travel Claims<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e7d15cc kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"6e7d15cc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad03d475\" data-accordion-id=\"accordion69f30ad03d475\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1851\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-1851\">\n                                \n                <span style=\"width:100%\">Who is entitled to claim for medical benefit expenses?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1851\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1851\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1852\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-1852\">\n                                \n                <span style=\"width:100%\">Are Statutory and Local Authority pensioners entitled to claim for medical benefit expenses?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1852\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1852\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1853\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-1853\">\n                                \n                <span style=\"width:100%\">What are the medical benefits that can be claimed by federal public pensioners?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1853\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1853\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1854\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-1854\">\n                                \n                <span style=\"width:100%\">How can I claim for the expenses for medicine \/ medical equipment supplies?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1854\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1854\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1855\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-1855\">\n                                \n                <span style=\"width:100%\">What are the eligibilities for travel claims for the purpose of seeking treatment?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1855\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1855\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1856\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-1856\">\n                                \n                <span style=\"width:100%\">References:<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1856\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1856\">\n                <div class=\"plus-content-editor\" ><ul><li>General Order Chapter B<\/li><li>Treasury Circular 3 Year 2003<\/li><li>Treasury Circular 2 Year 2006<\/li><li>Treasurt Circular Letter 8 Year 2010<\/li><\/ul><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a1a1ece elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7a1a1ece\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension Matters<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d861b56 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"5d861b56\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad04fed9\" data-accordion-id=\"accordion69f30ad04fed9\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1561\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-1561\">\n                                \n                <span style=\"width:100%\">What are the roles and responsibilities of a pensioner-to-be?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1561\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1561\">\n                <div class=\"plus-content-editor\" ><p>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<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1562\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-1562\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1562\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1562\">\n                <div class=\"plus-content-editor\" ><p>The pensioner should ensure that the last Department submits an updated service statement to KWAP for retirement benefits recalculation.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1563\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-1563\">\n                                \n                <span style=\"width:100%\">Can the duration of backup service be taken into consideration for the purpose of calculating the retirement benefits?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1563\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1563\">\n                <div class=\"plus-content-editor\" ><p>The service periods that shall not be taken into consideration are the service periods as a backup, contract, attachment, and temporary officer.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1564\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-1564\">\n                                \n                <span style=\"width:100%\">When will the gratuity and pension be paid for retirement due to Health Reasons (ASK)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1564\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1564\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1565\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-1565\">\n                                \n                <span style=\"width:100%\">What should be done by the family members in the case of death of an officer while in service?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1565\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1565\">\n                <div class=\"plus-content-editor\" ><p>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\u2019s last Department.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1566\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-1566\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1566\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1566\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1567\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-1567\">\n                                \n                <span style=\"width:100%\">What should be done in the case where the pension recipient further his\/her study to the first-degree level?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1567\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1567\">\n                <div class=\"plus-content-editor\" ><p>Pension recipients who further their studies to the first-degree level should fill up the Pengesahan Anak Belajar di Institusi Pengajian Tinggi (IPT) &#8211; JPA.BP.SPT.B03a form and submit it to KWAP for information updating.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1568\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-1568\">\n                                \n                <span style=\"width:100%\">Would a widow\/widower whom the pensioner married after retirement qualify for derivative pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1568\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1568\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1569\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-1569\">\n                                \n                <span style=\"width:100%\">Would a widow\/widower whom the pensioner married after company privatisation be eligible for derivative pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1569\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1569\">\n                <div class=\"plus-content-editor\" ><p>The widow\/widower from marriage after company privatisation is eligible to receive the derivative pension limited to 20 years after the privatisation date.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15610\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"10\" aria-controls=\"elementor-tab-content-15610\">\n                                \n                <span style=\"width:100%\">A member of a privatised agency chose Scheme A (government salary scheme). Is he\/she allowed to switch to Scheme B (company-style salary)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15610\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15610\">\n                <div class=\"plus-content-editor\" ><p>The member may switch to Scheme B within 2 years from the company\u2019s privatisation date.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15611\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"11\" aria-controls=\"elementor-tab-content-15611\">\n                                \n                <span style=\"width:100%\">What is \u201cCash Award in Lieu of Leave\u201d (GCR)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15611\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15611\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15612\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"12\" aria-controls=\"elementor-tab-content-15612\">\n                                \n                <span style=\"width:100%\">When does GCR become effective?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15612\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15612\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15613\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"13\" aria-controls=\"elementor-tab-content-15613\">\n                                \n                <span style=\"width:100%\">Who is entitled to receive the GCR Award?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15613\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15613\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15614\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"14\" aria-controls=\"elementor-tab-content-15614\">\n                                \n                <span style=\"width:100%\">Who is not entitled to receive the GCR Award?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15614\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15614\">\n                <div class=\"plus-content-editor\" ><p>The GCR Award is not given to officers who resigned or officers who were dismissed due to disciplinary action.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15615\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"15\" aria-controls=\"elementor-tab-content-15615\">\n                                \n                <span style=\"width:100%\">How are the leaves accumulated?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15615\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15615\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15616\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"16\" aria-controls=\"elementor-tab-content-15616\">\n                                \n                <span style=\"width:100%\">GCR calculation formula<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15616\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15616\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _VEVbhGqj\" data-id=\"_VEVbhGqj\"><span class=\"_VWvqNvR9 _b_kKhpG2 _ZGwmb_O6\" data-id=\"_b_kKhpG2\" data-name=\"text\">The GCR formula is as follows:<\/span><\/p><p>1\/30 \u00d7 accumulated leave days (no. of days) \u00d7 (last-drawn salary + * fixed allowances)<br \/>The fixed allowances are:<\/p><ul><li>Fixed Premier Post Allowance<\/li><li>Fixed Housing Allowance (ITP)<\/li><li>Fixed Entertainment Allowance (ITK)<\/li><li>Fixed Public Service Allowance (ITKA)<\/li><\/ul><p>Subject to a maximum of 150 days<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15617\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"17\" aria-controls=\"elementor-tab-content-15617\">\n                                \n                <span style=\"width:100%\">Which department pays the GCR?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15617\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15617\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15618\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"18\" aria-controls=\"elementor-tab-content-15618\">\n                                \n                <span style=\"width:100%\">When will the GCR payment be made?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15618\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15618\">\n                <div class=\"plus-content-editor\" ><p>The GCR payment will be made within 21 days from the officer\u2019s retirement date.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15619\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"19\" aria-controls=\"elementor-tab-content-15619\">\n                                \n                <span style=\"width:100%\">For couples who got married while in the service, what are their children\u2019s entitlements for the derivative pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15619\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"19\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15619\">\n                <div class=\"plus-content-editor\" ><p>For couples who got married while in the service, their children\u2019s entitlements are until 21 years of age or marriage, whichever comes first, or until graduation at the first-degree level.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15620\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"20\" aria-controls=\"elementor-tab-content-15620\">\n                                \n                <span style=\"width:100%\">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)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15620\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"20\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15620\">\n                <div class=\"plus-content-editor\" ><p>The officer\/employee may accumulate the maximum leaves during the final year of service according to his\/her entitlement.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15621\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"21\" aria-controls=\"elementor-tab-content-15621\">\n                                \n                <span style=\"width:100%\">To whom should the pension documents be sent?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15621\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"21\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15621\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _v7A6hJ8E\" data-id=\"_v7A6hJ8E\"><span class=\"_VWvqNvR9 _ga43h50B _ZGwmb_O6\" data-id=\"_ga43h50B\" data-name=\"text\">The pension documents can be sent to:<\/span><\/p><p><strong>Retirement Fund (Incorporated)<br \/>Pension Services Department,<\/strong><br \/>Level 2, Skytech Tower 2,<br \/>MKN Embassy Techzone,<br \/>Jalan Teknokrat 2, Cyber 4,<br \/>63000 Cyberjaya, Selangor.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15622\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"22\" aria-controls=\"elementor-tab-content-15622\">\n                                \n                <span style=\"width:100%\">Where can I download the application form for Funeral Arrangement Assistance (BMJ)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15622\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"22\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15622\">\n                <div class=\"plus-content-editor\" ><p>The application form can be downloaded at\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/\" target=\"_blank\" rel=\"noopener\">www.jpapencen.gov.my.<\/a>\u00a0or at the link\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf\" target=\"_blank\" rel=\"noopener\">http:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf<\/a>\u00a0and further information on BMJ is available at the link\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/bmj.html\" target=\"_blank\" rel=\"noopener\">http:\/\/www.jpapencen.gov.my\/bmj.html<\/a>.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15623\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"23\" aria-controls=\"elementor-tab-content-15623\">\n                                \n                <span style=\"width:100%\">How can I obtain the latest information and news about pension administration and related matters?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15623\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"23\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15623\">\n                <div class=\"plus-content-editor\" ><p>Browse\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/\" target=\"_blank\" rel=\"noopener\">www.jpapencen.gov.my.<\/a>\u00a0and \u201cLike\u201d our Facebook, i.e., Post-Service Division.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15624\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"24\" aria-controls=\"elementor-tab-content-15624\">\n                                \n                <span style=\"width:100%\">What are the procedures for replacing a missing pension card?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15624\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"24\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15624\">\n                <div class=\"plus-content-editor\" ><p>You may get a replacement pension card at the counter at KWAP Cyberjaya or JPA4U Counter at Block C2, PSD.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15625\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"25\" aria-controls=\"elementor-tab-content-15625\">\n                                \n                <span style=\"width:100%\">Is there a specific time limit to claim the Funeral Arrangement Assistance (BMJ) Payment?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15625\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"25\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15625\">\n                <div class=\"plus-content-editor\" ><p>There is no specific time limit to claim the BMJ as long as the death occurred in or after 2010.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15626\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"26\" aria-controls=\"elementor-tab-content-15626\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15626\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"26\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15626\">\n                <div class=\"plus-content-editor\" ><p>You may call 03-88878777 or e-mail\u00a0<span id=\"cloakd76beff948c4fab95991301d18fdc5fd\"><\/span><a class=\"docs-creator\" href=\"mailto:mypesara@kwap.gov.my\">mypesara@kwap.gov.my<\/a>.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-15627\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"27\" aria-controls=\"elementor-tab-content-15627\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-15627\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"27\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-15627\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _VqOkhMRE\" data-id=\"_VqOkhMRE\"><span class=\"_VWvqNvR9 _EGV3hRDG _ZGwmb_O6\" data-id=\"_EGV3hRDG\" data-name=\"text\">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:<\/span><\/p><ol type=\"1\"><li>Inform Pension Division (PD), PSD immediately about the death of the pensioner or pension recipient and furnish:<br \/><ol type=\"i\"><li>1 copy of the death certificate;<\/li><li>Original Pension Card;<\/li><li>Uncashed warrants, if applicable.<\/li><\/ol><\/li><li>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.<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a49383 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7a49383\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">General Questions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-468aba54 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"468aba54\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad060f83\" data-accordion-id=\"accordion69f30ad060f83\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1181\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-1181\">\n                                \n                <span style=\"width:100%\">I am a pensioner \/ derivative pension recipient from the Malaysian Armed Forces (ATM). Where can I check the status of my application?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1181\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1181\">\n                <div class=\"plus-content-editor\" ><p>For pension \/ derivative pension benefits for ATM pensioners, you may check the status of application at the Veteran Affairs Department at\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jhev.gov.my\/\"><em>http:\/\/www.jhev.gov.my\/<\/em><\/a>\u00a0or at the following address:<\/p><p><strong>Pension Division, Veteran Affairs Department<\/strong><br \/>Tingkat 8, Bangunan TH Perdana 101<br \/>Jalan Sultan Ismail<br \/>50250 Kuala Lumpur<br \/>Tel.No: 03-2050 8000<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1182\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-1182\">\n                                \n                <span style=\"width:100%\">Where can I check my housing loan balance?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1182\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1182\">\n                <div class=\"plus-content-editor\" ><p>You may check your housing loan balance directly with the Public Sector Home Financing Board (LPPSA) at their website\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.lppsa.gov.my\/\">http:\/\/www.lppsa.gov.my<\/a>\u00a0or at the following address:<\/p><p><strong>LPPSA<\/strong><br \/>No 9, Ministry of Finance Complex, Persiaran Perdana<br \/>Precinct 2<br \/>Federal Government Administration Centre<br \/>62592 Putrajaya.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1183\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-1183\">\n                                \n                <span style=\"width:100%\">How can I make housing loan repayment through gratuity \/ monthly pension deductions?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1183\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1183\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1184\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-1184\">\n                                \n                <span style=\"width:100%\">How can a pensioner make a notification of a change of address?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1184\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1184\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _zwm0hGo1\" data-id=\"_zwm0hGo1\"><span class=\"_VWvqNvR9 _1mNlhXm6 _ZGwmb_O6\" data-id=\"_1mNlhXm6\" data-name=\"text\">Notification of a change of address can be made at the PD counter, via mail or through PD&#8217;s website at\u00a0<a class=\"docs-creator\" href=\"http:\/\/apps.jpapencen.gov.my\/%20%20.\" target=\"_blank\" rel=\"noopener\">http:\/\/apps.jpapencen.gov.my\/<\/a><\/span><\/p><p>**Change of address through the website will be done within one week from the date the application is received.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1185\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-1185\">\n                                \n                <span style=\"width:100%\">What are the benefits of the Pension Card?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1185\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1185\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1186\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-1186\">\n                                \n                <span style=\"width:100%\">What is the compulsory retirement age for public service members?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1186\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1186\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1187\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-1187\">\n                                \n                <span style=\"width:100%\">When can a member of the public sector apply for optional retirement?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1187\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1187\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _VwYghQoD\" data-id=\"_VwYghQoD\"><span class=\"_VWvqNvR9 _0oYDhwmx _ZGwmb_O6\" data-id=\"_0oYDhwmx\" data-name=\"text\">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:<\/span><\/p><ol type=\"a\"><li>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<\/li><li>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.<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1188\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-1188\">\n                                \n                <span style=\"width:100%\">What is the lowest pension amount?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1188\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1188\">\n                <div class=\"plus-content-editor\" ><p>The lowest pension amount for reckonable service of at least 25 years (300 months) is RM1000 effective from 1 January 2018.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1189\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-1189\">\n                                \n                <span style=\"width:100%\">What is the maximum pension amount?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-1189\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1189\">\n                <div class=\"plus-content-editor\" ><p>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\u2019s\/employee\u2019s last-drawn salary.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11810\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"10\" aria-controls=\"elementor-tab-content-11810\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11810\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11810\">\n                <div class=\"plus-content-editor\" ><p>Regarding the repayment claim for the purchase of ceremonial attire, please refer to the Ceremonial Division (Bahagian Istiadat) of the Prime Minister\u2019s Department at the telephone number of 03-88726670 \/ 6672 or 038000 8000, MyGCC.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11811\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"11\" aria-controls=\"elementor-tab-content-11811\">\n                                \n                <span style=\"width:100%\">Where can pensioners\u2019 affairs be dealt with other than at PSD Putrajaya?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11811\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11811\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _nw2Gh3dA\" data-id=\"_nw2Gh3dA\"><span class=\"_VWvqNvR9 _Jo2khWGW _ZGwmb_O6\" data-id=\"_Jo2khWGW\" data-name=\"text\"><strong>KWAP PESD, Cyberjaya<\/strong><br \/>Retirement Fund (Incorporated)<br \/>Pension Services Department,<br \/>Level 2, Skytech Tower 2,<br \/>MKN Embassy Techzone,<br \/>Jalan Teknokrat 2, Cyber 4,<br \/>63000 Cyberjaya, Selangor.<br \/>Telephone: 03-8887 8777<br \/>E-mail:\u00a0<span id=\"cloake587628e00b95ec44a4e59f0f312150e\"><\/span><a class=\"docs-creator\" href=\"mailto:mypesara@kwap.gov.my\">mypesara@kwap.gov.my<\/a><\/span>\/<\/p><p><strong>PSD, Sabah Branch PD<\/strong><br \/>Public Service Department Malaysia,<br \/>Post-Service Division Sabah Branch,<br \/>Level 1, Block A,<br \/>Federal Government Administration Complex Sabah,<br \/>Jalan UMS &#8211; Sulaman, Likas<br \/>P.O. Box 2061,<br \/>88450 Kota Kinabalu,<br \/>Sabah.<br \/>Tel: 088 488661 \/ 088 488662 \/ 088 488663<br \/>Fax: 088 488664 \/ 088 488665<\/p><p><strong>PSD, Sarawak Branch PD<\/strong><br \/>Public Service Department,<br \/>Post-Service Division Sarawak Branch,<br \/>Level 2, Marzuki Building, Lot 1656 Section 65,<br \/>Jalan Tun Dato\u2019 Patinggi Hj. Abdul Rahman Yaakub, Petrajaya,<br \/>93050 Kuching, Sarawak<br \/>Tel: 082 241144 \/ 082 251818 \/ 082 252493 \/ 082-234981<br \/>Fax: 082 250126<\/p><p><strong>1Pesara@DBKL Counter<\/strong><br \/>1Pesara Counter<br \/>Kuala Lumpur City Hall (DBKL)<br \/>DBKL Tower 1<br \/>Jalan Raja Laut<br \/>50350 Kuala Lumpur.<br \/>Tel: 03-2617 9941\/ 9944<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11812\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"12\" aria-controls=\"elementor-tab-content-11812\">\n                                \n                <span style=\"width:100%\">Can the mother of a deceased single officer\/employee receive the derivative pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11812\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11812\">\n                <div class=\"plus-content-editor\" ><p>No. Only the widow\/widower and child\/children is\/are entitled to receive the derivative pension.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11813\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"13\" aria-controls=\"elementor-tab-content-11813\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11813\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11813\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11814\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"14\" aria-controls=\"elementor-tab-content-11814\">\n                                \n                <span style=\"width:100%\">Am I not eligible for pension if I have served for less than 25 years?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11814\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11814\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-11815\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"15\" aria-controls=\"elementor-tab-content-11815\">\n                                \n                <span style=\"width:100%\">Will the officers who resigned be entitled to pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-11815\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-11815\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fece198 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1fece198\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Payment Matters<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35bf8204 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"35bf8204\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension Payment Matters<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21e429e3 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"21e429e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad071c28\" data-accordion-id=\"accordion69f30ad071c28\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5681\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-5681\">\n                                \n                <span style=\"width:100%\">What is the procedure for a pensioner who wants to change his\/her paying bank?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5681\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5681\">\n                <div class=\"plus-content-editor\" ><p>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\u00a0<em><a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/penukaran_akaun.html\">http:\/\/www.jpapencen.gov.my\/penukaran_akaun.html<\/a><\/em><\/p><p>Once completed, the letter can be mailed to the address below:<\/p><p><strong>Retirement Fund (Incorporated)<\/strong><br \/>Skytech Tower 2, Jalan Teknokrat 2,<br \/>Cyberjaya, 63000 Cyberjaya,<br \/>Selangor, Malaysia<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5682\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-5682\">\n                                \n                <span style=\"width:100%\">What are Scheme A and Scheme B monthly pension payments?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5682\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5682\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5683\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-5683\">\n                                \n                <span style=\"width:100%\">What are the implications if the pension under Scheme B is not claimed for 3 months or more?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5683\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5683\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5684\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-5684\">\n                                \n                <span style=\"width:100%\">Can an individual other than the pensioner \/ pension recipient claim for the pension?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5684\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5684\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _zwm0hGo1\" data-id=\"_zwm0hGo1\">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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5685\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-5685\">\n                                \n                <span style=\"width:100%\">What is the procedure for a pensioner who wants to switch from Scheme B to Scheme A with a representative?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5685\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5685\">\n                <div class=\"plus-content-editor\" ><p>Application may be made by filling out the JPA.BP.SKP.B08 \u2013 Permohonan Pelantikan Wakil Skim A (Application to Appoint a Representative for Scheme A) form, with a copy of the representative\u2019s identity card attached.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5686\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-5686\">\n                                \n                <span style=\"width:100%\">What is the procedure for applying for the funeral arrangement assistance?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5686\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5686\">\n                <div class=\"plus-content-editor\" ><p>Application may be made by completing the Funeral Arrangement Assistance form at\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf\">http:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf<\/a><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5687\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-5687\">\n                                \n                <span style=\"width:100%\">List of participating banks in the pension payment through a bank system<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5687\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5687\">\n                <div class=\"plus-content-editor\" ><ol type=\"1\"><li>Bank Muamalat (M) Berhad<\/li><li>Malayan Banking Berhad (Maybank)<\/li><li>Bank Simpanan Nasional<\/li><li>Affin Bank Berhad<\/li><li>CIMB Bank Berhad<\/li><li>Bank Islam Malaysia Berhad<\/li><li>Public Bank Berhad<\/li><li>Alliance Bank Berhad<\/li><li>RHB Bank Berhad<\/li><li>HSBC Bank Malaysia Berhad<\/li><li>Bank Kerjasama Rakyat (Malaysia) Berhad<\/li><li>Hong Leong Bank Berhad<\/li><li>Agro Bank Berhad<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5688\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-5688\">\n                                \n                <span style=\"width:100%\">What are Scheme A and Scheme B?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5688\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5688\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _JpBwh6kV\" data-id=\"_JpBwh6kV\"><span class=\"_VWvqNvR9 _6DkbhBp9 _ZGwmb_O6\" data-id=\"_6DkbhBp9\" data-name=\"text\">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).<\/span><\/p><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-5689\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-5689\">\n                                \n                <span style=\"width:100%\">Can a pensioner under Scheme B switch to Scheme A?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-5689\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5689\">\n                <div class=\"plus-content-editor\" ><p>Yes. Please fill in the representative appointment form (JPA.BP.SKP.B08), which can be downloaded from\u00a0<a class=\"docs-creator\" href=\"http:\/\/www.jpapencen.gov.my\/\">http:\/\/www.jpapencen.gov.my<\/a><\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f6fd0e1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6f6fd0e1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ex-Gratia Payment<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb15276 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"7eb15276\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad082191\" data-accordion-id=\"accordion69f30ad082191\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2121\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2121\">\n                                \n                <span style=\"width:100%\">What is \u201cEx-Gratia Payment Upon Death\u201d?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2121\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2121\">\n                <div class=\"plus-content-editor\" ><p>Ex-Gratia Payment Upon Death is a gift from the Government to the dependants of a civil servant who died while in the service<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2122\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2122\">\n                                \n                <span style=\"width:100%\">What is the purpose of giving the Ex-Gratia Payment Upon Death?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2122\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2122\">\n                <div class=\"plus-content-editor\" ><p>To help the dependants of a demised civil servant who died within a service period of not more than 240 months.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2123\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2123\">\n                                \n                <span style=\"width:100%\">Who is entitled to receive the Ex-Gratia Payment Upon Death?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2123\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2123\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2124\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-2124\">\n                                \n                <span style=\"width:100%\">Who is entitled to receive the Ex-Gratia Payment Upon Death?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2124\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2124\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _zwm0hGo1\" data-id=\"_zwm0hGo1\">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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2125\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-2125\">\n                                \n                <span style=\"width:100%\">What is the amount of Ex-Gratia Payment Upon Death?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2125\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2125\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _EjyPhAdp\" data-id=\"_EjyPhAdp\"><span class=\"_VWvqNvR9 _0pavhMkn _ZGwmb_O6\" data-id=\"_0pavhMkn\" data-name=\"text\">The amount is based on the duration of reckonable service, as follows:<\/span><\/p><table><tbody><tr><th align=\"center\">Service Duration (Months)<\/th><th align=\"center\">Ex-Gratia Payment (RM)<\/th><\/tr><tr><td align=\"center\">\u2264 60<\/td><td align=\"center\">150,000<\/td><\/tr><tr><td align=\"center\">61 to 120<\/td><td align=\"center\">100,000<\/td><\/tr><tr><td align=\"center\">121 to 180<\/td><td align=\"center\">75,000<\/td><\/tr><tr><td align=\"center\">181 to 240<\/td><td align=\"center\">50,000<\/td><\/tr><\/tbody><\/table><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2126\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-2126\">\n                                \n                <span style=\"width:100%\">How is the Ex-Gratia Payment Upon Death made?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2126\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2126\">\n                <div class=\"plus-content-editor\" ><p>Payment is made in one lump sum to the eligible heir.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2127\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-2127\">\n                                \n                <span style=\"width:100%\">Does the Ex-Gratia Payment Upon Death replace the Derivative Ex-Gratia \/ Work Disaster Ex-Gratia?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2127\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2127\">\n                <div class=\"plus-content-editor\" ><p>No. The Ex-Gratia Payment Upon Death is additional to the existing pension benefits.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2128\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-2128\">\n                                \n                <span style=\"width:100%\">Does the officer\u2019s heir need to apply for the Ex-Gratia Payment Upon Death?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2128\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2128\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _JpBwh6kV\" data-id=\"_JpBwh6kV\">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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-250e8362 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"250e8362\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension Adjustment<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e7901c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4e7901c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension Adjustment of 2% per Year Effective from 2013<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce3d1fb kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"ce3d1fb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad09458d\" data-accordion-id=\"accordion69f30ad09458d\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2161\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2161\">\n                                \n                <span style=\"width:100%\">Who is entitled to receive the 2 percent pension adjustment?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2161\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2161\">\n                <div class=\"plus-content-editor\" ><p>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.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2162\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2162\">\n                                \n                <span style=\"width:100%\">When will the pension adjustment of 2 percent be paid to pensioners?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2162\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2162\">\n                <div class=\"plus-content-editor\" ><p>The payment will be made beginning from January 2013 for pensioners \/ derivative pension recipients and dependant pension recipients who received monthly pensions in 2012.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2163\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2163\">\n                                \n                <span style=\"width:100%\">Is the 2 percent adjustment calculated based on the pension amount or the original pension amount (the pension amount upon retirement)?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2163\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2163\">\n                <div class=\"plus-content-editor\" ><p>The 2 percent adjustment will be calculated based on the current pension amount received.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2164\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-2164\">\n                                \n                <span style=\"width:100%\">Are the pensioners who retired on 1\/1\/2016 entitled for the 2 percent adjustment for that year?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2164\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2164\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _zwm0hGo1\" data-id=\"_zwm0hGo1\">No. They will receive the 2% pension adjustment from 2017.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2165\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-2165\">\n                                \n                <span style=\"width:100%\">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?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2165\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2165\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _EjyPhAdp\" data-id=\"_EjyPhAdp\">No. Instead, pensioners \/ derivative pension recipients and dependant pension recipients will receive the pension adjustment every year at the increment rate of 2 percent.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2166\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-2166\">\n                                \n                <span style=\"width:100%\">How is the 2 percent adjustment calculated?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2166\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2166\">\n                <div class=\"plus-content-editor\" ><p class=\"_7XqAY8_A _rgyGhqbg\" data-id=\"_rgyGhqbg\"><span class=\"_VWvqNvR9 _8jWQhBd6 _ZGwmb_O6\" data-id=\"_8jWQhBd6\" data-name=\"text\">Calculation Formula: [Current pension amount + (Current pension amount \u00d7 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\u2019s pension amounts from 2013 to 2016 including the 2 percent increment?<br \/><\/span><\/p><p><strong>Monthly pension in 2013:<\/strong><br \/>RM1000.00 \u00d7 2\/100 = RM20.00 (2 percent increment)<br \/>RM1000.00 + RM20 = RM1020 (amount of monthly pension received)<\/p><p><strong>Monthly pension in 2014:<\/strong><br \/>RM1020.00 \u00d7 2\/100 = RM20.40 (2 percent increment)<br \/>RM1020.00 + RM20.40 = RM1040.40 (amount of monthly pension received<\/p><p><strong>Monthly pension in 2015:<\/strong><br \/>RM1040.40 \u00d7 2\/100 = RM20.80 (2 percent increment)<br \/>RM1040.40 + RM20.80 = RM1061.20 (amount of monthly pension received)<\/p><p><strong>Monthly pension in 2016:<\/strong><br \/>RM1061.20 \u00d7 2\/100 = RM21.23 (2 percent increment)<br \/>RM1061.20 + RM21.22 = RM1082.43 (amount of monthly pension received)<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2167\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-2167\">\n                                \n                <span style=\"width:100%\">Are members of parliament, members of the Senate and judges entitled to the 2 percent adjustment?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-2167\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2167\">\n                <div class=\"plus-content-editor\" ><p>Yes, they are entitled to the 2% adjustment subject to the applicable acts and laws.<\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pp-tabs-panel\">\n\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title pp-tabs-label pp-tab-responsive   at-hover\" data-index=\"1053\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Contribution<\/span>\n\t\t\t\t\t\t\t\t<i class=\"pp-toggle-icon pp-tab-open fa\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"pp-advanced-tabs-content-1053\" class=\"pp-advanced-tabs-content elementor-clearfix pp-advanced-tabs-section \" data-tab=\"3\" data-index=\"1053\" role=\"tabpanel\" aria-labelledby=\"pp-advanced-tabs-title-1053\">\n\t\t\t\t\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"22304\" class=\"elementor elementor-22304\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5727d432 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5727d432\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3efcf558\" data-id=\"3efcf558\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3abede08 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3abede08\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you cannot find an answer to your question please\u00a0<a href=\"\/contact-us\"><span style=\"color: #0066cc;\">contact us<\/span><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-144e68b7 kwap-accordion kwap-table contribute custom-num-listing elementor-widget elementor-widget-tp-accordion\" data-id=\"144e68b7\" data-element_type=\"widget\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad0a6f96\" data-accordion-id=\"accordion69f30ad0a6f96\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3401\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-3401\">\n                                \n                <span style=\"width:100%\">Employer<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3401\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3401\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. Who are KWAP employers?<\/strong><\/h6><p style=\"text-align: left;\">KWAP employers comprise of statutory bodies (SB), local authorities (LA) and agencies (AG) with pensionable employees.<\/p><h6><strong>2. When do employers register with KWAP and what are the supporting documents required for registration?<\/strong><\/h6><ol style=\"margin: 10px 0;\" type=\"a\"><li>Employers need to register with KWAP when there are permanent and pensionable employees.<\/li><li>The employer must complete CN1 &#8211; Employer Registration Form and enclose the following supporting documents:<br \/><ol style=\"margin-top: 10px;\" type=\"i\"><li>Copy of Government Gazette (for LA) ; or<\/li><li>Copy of Establishment Act (for SB) ; or<\/li><li>Copy of company registration document (for AG with company status registered under SSM)<br \/>OR any other related supporting documents e.g. letters, memos, minutes of meetings and etc.<\/li><\/ol><\/li><\/ol><p><em><strong>Note:<\/strong> Once employer registration has been approved, by KWAP, the employer will be given an employer number which will be used in all contribution transactions with KWAP.<\/em><\/p><p><em><strong><br \/>References: <\/strong><\/em><\/p><p>For more information please refer to the video:<\/p><table style=\"margin-top: 10px;\"><tbody><tr><td><strong><a href=\"https:\/\/www.youtube.com\/watch?v=FPHr4dOmC24&amp;list=PL-XVFCC6ZxeEHpaGgyiTjShzoUj_1r-DE\" target=\"_blank\" rel=\"noopener\"><i>Employers and Employees Registration Procedure<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><p>or e-bulletin<\/p><table style=\"margin-top: 10px;\"><tbody><tr><td><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/1st_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i>1st Edition : Employers and employees registration<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><h6><strong>3. Should employers update employer and member profiles?<br \/>How to do it?<\/strong><\/h6><p>Yes, employers are responsible to update their employer and member profiles from time to time if there are any changes.<\/p><p>Updates can be made by submitting the latest information to KWAP via email or letter.<\/p><p><em><strong>Examples of information updates:<\/strong><\/em><\/p><ol><li><em>Employer Profile: Upgrading of employers, changes in officers who manage contributions, updating of bank information and others.<\/em><\/li><li><em>Member Profile: Date of PTB, KGT, No. Identity Card and others.<\/em><\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3402\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-3402\">\n                                \n                <span style=\"width:100%\">Member<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3402\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3402\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. Who are KWAP members?<\/strong><\/h6><p>KWAP members are permanent and pensionable employees who serve in Federal Government, Federal and State Statutory Bodies (SB), Local Authorities (LA) and Agencies (AG).<\/p><h6><strong>2. When does an employee need to be registered as a member of KWAP?<br \/><\/strong><\/h6><p>An employee must register as a member of KWAP when:<\/p><ol type=\"a\"><li><em>Employee obtains permanent and pensionable status from the Public Service Department Malaysia (PSD)<\/em><\/li><li><em>Employer accepts a secondment officer with pensionable status from the effective date of the secondment or the date of self -report<\/em><\/li><\/ol><div style=\"margin-top: 10px;\">\u00a0<\/div><p><em><strong>Note:<\/strong> The employer is responsible for managing member registration <strong>before<\/strong> employee&#8217;s contributions start.<\/em><\/p><h6><strong>3. How to register as a member?<\/strong><\/h6><p>There are 2 methods to register as a member:<\/p><table style=\"margin-top: 10px;\"><tbody><tr><td style=\"text-align: center;\"><strong>Method 1<\/strong><\/td><td style=\"text-align: center;\"><strong>Method 2<\/strong><\/td><\/tr><tr><td><p>Submit an application via CN2 &#8211; Member Registration Form along with the following supporting documents:<\/p><ol type=\"a\"><li>Copy of Pensionable Status Grant letter (PTB) from Public Service Department Malaysia (PSD); or<\/li><li>Copy of Service Book (Member Profile page, the latest PTB and KGT dates); and<\/li><li>Copy of Secondment Contract for secondment employees only.<\/li><\/ol><p>The form has to be sent to KWAP via email, fax or post.<\/p><\/td><td>Application through the Contribution Portal via the link:<br \/><a href=\"https:\/\/www.icms.kwap.my\" target=\"_blank\" rel=\"noopener\"><strong>https:\/\/www.icms.kwap.my<\/strong><\/a>.<\/td><\/tr><\/tbody><\/table><div style=\"margin-top: 10px;\">\u00a0<\/div><p><em><strong>Note:<\/strong> Once employee&#8217;s registration has been approved by KWAP, employer will receive a list of KWAP number that will be used in all contribution transactions with KWAP.<\/em><\/p><div style=\"margin-top: 10px;\">\u00a0<\/div><p><strong><em>Reference:<br \/><\/em><\/strong><em>For more information please refer to the video:<\/em><\/p><table style=\"margin-top: 10px;\"><tbody><tr><td><strong><a href=\"https:\/\/www.youtube.com\/watch?v=FPHr4dOmC24&amp;list=PL-XVFCC6ZxeEHpaGgyiTjShzoUj_1r-DE\" target=\"_blank\" rel=\"noopener\"><i>Employers and Employees Registration Procedure<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><p>or e-bulletin<\/p><table><tbody><tr><td><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/1st_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i>1st Edition : Employers and employees registration<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><h6><strong>4. Can employee request an Employee Number from KWAP?<\/strong><\/h6><p>No, only employers can request their registered employee numbers from KWAP. All employees should refer to the employers regarding their registered employee number.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3403\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-3403\">\n                                \n                <span style=\"width:100%\">Contributions<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3403\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3403\">\n                <div class=\"plus-content-editor\" ><h6><strong>1.\u00a0 When do employers commence contribution to KWAP?<br \/><\/strong><\/h6><table><tbody><tr><td width=\"31\"><strong>a.\u00a0 <\/strong><\/td><td><strong>Permanent employees with pensionable status<\/strong><\/td><td>With effect from PTB date<\/td><\/tr><tr><td width=\"31\"><strong>b.<\/strong><\/td><td><strong>Secondment officers<\/strong><\/td><td>With effect from secondment date<\/td><\/tr><tr><td width=\"31\">c.<\/td><td><strong>New Statutory Bodies and Local Authorities<\/strong><\/td><td>With effect from establishment date<\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><h6><strong>2. What is the KWAP contribution rate?<\/strong><\/h6><p><strong>a. Monthly contribution for permanent employees with pensionable status.<\/strong><\/p><p>17.5% of the employee monthly basic salary. Please refer to Section 8 (1) of the <em>Statutory and Local Authorities Pensions Act 1980 (Act 239)<\/em>.<\/p><table><tbody><tr><td><em><strong>Example :<\/strong><\/em><br \/><em><strong>Basic Salary<\/strong><\/em><br \/><em>Cost of living allowance (COLA)<\/em><br \/><em>Housing allowance <\/em><br \/><em>Civil service allowance<\/em><\/td><td width=\"27\"><p><em>:<\/em><br \/><em>:<\/em><br \/><em>:<\/em><br \/><em>:<\/em><\/p><\/td><td colspan=\"\"><p><em><strong>RM1,867.03<\/strong><\/em><br \/><em>RM\u00a0\u00a0 300.00<\/em><br \/><em>RM\u00a0\u00a0 300.00<\/em><br \/><em>RM\u00a0\u00a0 160.00<\/em><\/p><\/td><\/tr><tr><td><em>Total emolument<\/em><\/td><td width=\"27\"><em>:<\/em><\/td><td><em>RM2,627.03<\/em><\/td><\/tr><tr><td><em>Monthly contribution<\/em><\/td><td width=\"27\"><em>:<\/em><\/td><td><strong><em>RM1,867.03 x 17.5%<\/em><\/strong><\/td><\/tr><tr><td>\u00a0<\/td><td width=\"27\">\u00a0<\/td><td><strong><em>RM\u00a0 326.73<\/em><\/strong><\/td><\/tr><\/tbody><\/table><p><em><strong>Note:<\/strong> Basic Salary is monthly salary excluding allowances.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><p><strong>b. Monthly contribution for secondment officers with pensionable status.<br \/><\/strong>17.5% of the employee notional basic salary (notional) . Please refer to <em>Pekeliling Perkhidmatan Bilangan 12, 2008<\/em>.<strong><br \/><\/strong><\/p><table width=\"663\"><tbody><tr><td width=\"220\"><em><strong>Example:<\/strong><\/em><br \/><em><strong>Basic Salary (Notional)<\/strong><\/em><br \/><em>Secondment Salary<\/em><\/td><td width=\"26\"><p><em>:<\/em><br \/><em>:<\/em><\/p><\/td><td colspan=\"3\" width=\"417\"><p><em><strong>RM4,810.36<\/strong><\/em><br \/><em>RM5,260.36<\/em><\/p><\/td><\/tr><tr><td width=\"220\">\u00a0<\/td><td width=\"26\">\u00a0<\/td><td width=\"121\">\u00a0<\/td><td width=\"21\">\u00a0<\/td><td width=\"275\">\u00a0<\/td><\/tr><tr><td width=\"220\"><em>Monthly contribution<\/em><\/td><td width=\"26\"><em>:<\/em><\/td><td colspan=\"3\" width=\"417\"><em><strong>RM4,810.36 x 17.5%<\/strong><\/em><\/td><\/tr><tr><td width=\"220\">\u00a0<\/td><td width=\"26\"><em>:<\/em><\/td><td width=\"121\"><strong><em>RM841.81\u00a0\u00a0<\/em>\u00a0\u00a0<\/strong><\/td><td width=\"21\">\u00a0<\/td><td width=\"275\">\u00a0<\/td><\/tr><\/tbody><\/table><p><em><strong>Note:<\/strong> Basic salary refers to the salary paid\/deemed to be paid to the officer inclusive of notional salary increments.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><p><strong>c. Arrears<\/strong><br \/>17.5% of the total arrears paid to employee.<\/p><table><tbody><tr><td><p><em><strong>Example 1<\/strong><\/em><\/p><p><em>Annual increment<\/em><br \/><em>Arrears for 3 months (Jan &#8211; March) x duration<\/em><\/p><\/td><td width=\"20\"><p><em>:<\/em><br \/><em>:<\/em><\/p><\/td><td><p><em>RM100.00<\/em><\/p><p><em>RM100.00 x 17.5% x 3 months<\/em><\/p><\/td><\/tr><tr><td><em>Total<\/em><\/td><td width=\"20\"><em>:<\/em><\/td><td><em><strong>RM52.50<\/strong><\/em><\/td><\/tr><tr><td><p><em><strong>Example 2<\/strong><\/em><\/p><p><em>Salary adjustment from 2016 -2021(5 years)<\/em><br \/><em>Monthly salary paid (A)<\/em><br \/><em>Monthly salary to be paid (B)<\/em><\/p><\/td><td width=\"20\"><p><em>:<\/em><br \/><em>:<\/em><\/p><\/td><td><p><em>RM1,000.00<\/em><br \/><em>RM1,100.00<\/em><\/p><\/td><\/tr><tr><td><em>Difference to be paid (B-A)<\/em><\/td><td width=\"20\"><em>:<\/em><br \/><em>:<\/em><\/td><td><em>RM\u00a0\u00a0 100.00<\/em><br \/><em>RM\u00a0\u00a0 100.00 x 17.5% x 60 months<\/em><\/td><\/tr><tr><td>\u00a0<\/td><td width=\"20\"><em>:<\/em><\/td><td><strong><em>RM1,050.00<\/em><\/strong><\/td><\/tr><\/tbody><\/table><p><em><strong>Note:<\/strong> Arrears occur when an employee&#8217;s salary increase is due to an annual salary increase, promotion or other reason for which the date is overdue, or if there is any payment left over while making the monthly contribution. Arrears on actual wages do not include arrears of employee allowances.<\/em><\/p><p><strong><em>References:<\/em><\/strong><\/p><p><em>For more information, please refer to the example of contribution calculation in the e-bulletin<\/em><\/p><table><tbody><tr><td><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/3rd_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i>3rd Edition : Monthly Salary Contribution &amp; Arrears Calculation<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><h6><strong>3. Does employer contributions need to take into account on employee&#8217;s Annual Salary Increment (KGT)?<\/strong><\/h6><p>Yes, contribution paid to KWAP must take into account the employee&#8217;s KGT whether in January, April, July or October.<\/p><p>If employer has made their contribution to KWAP excluding KGT, the arrears caused by KGT must be settled using the CN4 &#8211; Arrears Contribution Form.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>4. When is the deadline for monthly contribution payment to KWAP?<\/strong><\/h6><p>Monthly contributions paid via Electronic Funds Transfer (EFT) \/ Telegraphic Transfer (TT) , Real Time Electronic Transfer of Funds (RENTAS) or Cheque must reach KWAP before or on the last day of the following month. <em>Please refer to Section 8 (3) of the Regulations to Statutory and Local Authorities Pensions Act 1990.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><p><em><strong>Example 1:<\/strong><\/em><\/p><p><em>Contribution for January 2021 must reach KWAP before or on 28 or 29 February 2021 (whichever applicable).<\/em><\/p><p><em><strong>Example 2:<\/strong><\/em><\/p><p><em>Contribution for February 2021 must reach KWAP before or on 31 March 2021.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>5. When is the deadline for arrears on contribution to KWAP?<br \/><\/strong><\/h6><p>Payment of arrears on contribution must reach KWAP before or on the last day of the following month from which the month the arrears were paid to the employees. <em>Please refer to Section 8 (3) of the Regulations to Statutory and Local Authorities Pensions Act 1990.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><p><em><strong>Example:<\/strong><\/em><\/p><p><em>Arrears paid to employees in <strong>March 2022.<\/strong><\/em><br \/><em>Payment must reach KWAP before or on <strong>30 April 2022.<\/strong><\/em><\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>6. Which forms are used to make monthly contributions and arrears on contribution payments to KWAP?<\/strong><\/h6><table><tbody><tr><td style=\"text-align: center;\" colspan=\"4\"><strong>Type of payment<\/strong><\/td><td style=\"text-align: center;\" colspan=\"5\"><strong>Form<\/strong><\/td><\/tr><tr><td width=\"35\"><strong>a.<\/strong><\/td><td colspan=\"3\"><strong>Monthly contributions<\/strong><\/td><td colspan=\"5\">Contribution Form (CN3)<\/td><\/tr><tr><td width=\"35\"><strong>b.<\/strong><\/td><td colspan=\"3\"><strong>Arrears on contribution<\/strong><\/td><td colspan=\"5\">Arrears Contribution Form (CN4)<\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><h6><strong>7. Can employer combine payment on monthly contributions and arrears?<\/strong><\/h6><p>Contribution and arrear payment can be paid as single payment to KWAP.<\/p><p>However, employers need to fill in the <strong>payment breakdown<\/strong> in the CN6 &#8211; Contribution Payment Via Bank Form for receipting purposes.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>8. Can employers use the same form for monthly contribution and arrears data?<\/strong><\/h6><p>No. Details of contribution payment for monthly contribution and arrears should be separated by using CN3 &#8211; Contributions Form and CN4 &#8211; Arrears Contribution Form.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>9. Can employer use the contra method for payment in the current monthly contribution if there is an adjustment in the officer&#8217;s salary for the previous month?<\/strong><\/h6><p>Employer cannot use the <strong>contra method<\/strong> and still have to pay contributions at the rate of 17.5% of the employee\u2019s <strong>monthly salary<\/strong>. For scenarios regarding employee salary adjustment, employer is advisable on the following actions:<\/p><p>a. Overpaid wages &#8211; Employer can apply for a refund claim.<\/p><p>b. Underpaid wages &#8211; Employer has to pay arrears separately.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>10.\u00a0 How employers submit contribution forms to KWAP?<\/strong><\/h6><table><tbody><tr><td style=\"text-align: center;\" colspan=\"4\"><strong>Modes of payment<\/strong><\/td><td style=\"text-align: center;\" colspan=\"4\"><strong>Forms<\/strong><\/td><td style=\"text-align: center;\" colspan=\"3\"><strong>Method of form submission<\/strong><\/td><\/tr><tr><td><strong>a.<\/strong><\/td><td colspan=\"3\"><strong>\u00a0Cheque<\/strong><\/td><td colspan=\"4\"><p>CN3 &#8211; Contribution Form<\/p><p>CN4 &#8211;\u00a0 Arrears Contribution Form<\/p><\/td><td colspan=\"3\">Mail<\/td><\/tr><tr><td><strong>b.\u00a0<\/strong><\/td><td colspan=\"3\"><strong>Online (EFT\/ TT\/ RENTAS\/ Cheque Deposit)<\/strong><\/td><td colspan=\"4\"><p>CN3 &#8211; Contribution Form<\/p><p>CN4- Arrears Contribution Form<\/p><\/td><td colspan=\"3\">Mail, email or contribution portal<\/td><\/tr><tr><td>\u00a0<\/td><td colspan=\"3\">\u00a0<\/td><td colspan=\"4\">CN6 &#8211; Contributon Payment Via Bank<\/td><td colspan=\"3\">Email to <em><a href=\"mailto:eft.contribution@kwap.gov.my\"><strong>eft.contribution@kwap.gov.my<\/strong><\/a><\/em> (If the email doesn&#8217;t work, please fax to 03-2174 8192)<\/td><\/tr><tr><td colspan=\"11\"><strong><em>Note: <\/em><\/strong><em>Forms must be completed and verified prior to submission.<\/em><\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><p><em><strong>References:<\/strong><\/em><br \/>For more information please refer to the video:<\/p><table width=\"443\"><tbody><tr><td colspan=\"4\" width=\"443\"><strong><a href=\"https:\/\/www.youtube.com\/watch?v=RvJC8e2Tf-k&amp;list=PL-XVFCC6ZxeEHpaGgyiTjShzoUj_1r-DE&amp;index=3\" target=\"_blank\" rel=\"noopener\"><i>How Employer Can Make Contribution Payment To KWAP<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><p>or e-bulletin<\/p><table width=\"592\"><tbody><tr><td colspan=\"3\" width=\"592\"><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/2nd_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i>2nd Edition : Contribution Payment<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><h6><strong>11. What are the codes used in CN3?<\/strong><\/h6><table><tbody><tr><td colspan=\"2\"><strong>Code<\/strong><\/td><td style=\"text-align: center;\" colspan=\"2\"><strong>Description<\/strong><\/td><td style=\"text-align: center;\" colspan=\"7\"><strong>Description<\/strong><\/td><\/tr><tr><td colspan=\"2\">00<\/td><td colspan=\"2\">No Changes<\/td><td colspan=\"7\">The monthly salary between current and previous month is the same.<\/td><\/tr><tr><td colspan=\"2\">01<\/td><td colspan=\"2\">New Employee<\/td><td colspan=\"7\">Newly employee obtained PTB status.<br \/>Example: An employee obtained PTB on 1 February 2022 and starts contributing to KWAP from February 2022.<\/td><\/tr><tr><td colspan=\"2\">02<\/td><td colspan=\"2\">Increment\/Salary Adjustment<\/td><td colspan=\"7\">Adjustment of employee&#8217;s salary which due to KGT, promotion or any other factors which will give impact to increase employee&#8217;s salary.<\/td><\/tr><tr><td colspan=\"2\">03<\/td><td colspan=\"2\">Retired<\/td><td colspan=\"7\">Last contribution month <strong>with amount<\/strong>: code 03<br \/>Following month <strong>without amount<\/strong>: code 03<br \/>Remove officer&#8217;s name from CN3 after the following month<\/td><\/tr><tr><td colspan=\"2\">04<\/td><td colspan=\"2\">Deceased<\/td><td colspan=\"7\">Last contribution month <strong>with amount<\/strong>: code 04<br \/>Following month <strong>without amount<\/strong>: code 04<br \/>Remove officer&#8217;s name from CN3 after the following month<\/td><\/tr><tr><td colspan=\"2\">05<\/td><td colspan=\"2\">Resigned\/Dismissed\/Transferred<\/td><td colspan=\"7\">Last contribution month <strong>with amount<\/strong>: code 05<br \/>Following month <strong>without amount<\/strong>: code 05<br \/>Remove officer&#8217;s name from CN3 after the following month<\/td><\/tr><tr><td colspan=\"2\">06<\/td><td colspan=\"2\">Half Paid Salary (HPS)<\/td><td colspan=\"7\"><p>Monthly contributions for permenant employee with pensionable status and secondment employee are 17.5% of the employee&#8217;s monthly salary in accordance with Section 8 (1) of <em>Act 239<\/em>. Half Paid Salary (HPS) is half of the total basic salary of an employee for a particular month hence total contribution of the employee will be based of Half Paid Salary (HPS) paid for a particular month.<\/p><p>Example:<\/p><p>An employee was approved by HPS on April 1, 2022<br \/>Basic salary for March 2022\u00a0 \u00a0 : RM6,000<br \/>Contribution for March 2022 : RM1,050<\/p><p>Basic salary for April 2022\u00a0 \u00a0 \u00a0 : RM3,000 (HPS)<br \/>April 2022 contribution\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0: RM525<\/p><\/td><\/tr><tr><td colspan=\"2\">07<\/td><td colspan=\"2\">Unpaid Leave (UL) \/ Hold Salary (HS)<\/td><td colspan=\"7\"><p>Monthly contributions for permanent employee with pensionable status and secondment employee are 17.5% of the employee&#8217;s monthly salary in accordance with Section 8 (1) of Act <em>239<\/em>. Unpaid Leave (UL) \/ Hold Salary (HS) is a period where an employee does not received salary for the lenght of absense due to several reasons e.g. health reason and etc hence no contribution is required during Unpaid Leave (UL) \/ Hold Salary (HS) period.<\/p><p>Example:<\/p><p>An employee took a UL\/HS due to health reason in January 2022.<br \/>Basic salary for January 2020 : RM0.00<br \/>January 2020 Contribution\u00a0 \u00a0 \u00a0: RM0.00<\/p><\/td><\/tr><tr><td colspan=\"2\">08<\/td><td colspan=\"2\">Secondment<\/td><td>a. First contribution for secondment officers in SB and LA<br \/>b. Last contribution for secondment officers in SB, LA and AG<\/td><\/tr><tr><td colspan=\"2\">09<\/td><td colspan=\"2\">Resume Contribution<\/td><td colspan=\"7\">Resume contribution after unpaid leave \/ salary withheld<\/td><\/tr><tr><td colspan=\"2\">99<\/td><td colspan=\"2\">Others<\/td><td colspan=\"7\">For any other transactions other than the above mentioned. (Please contact KWAP for any issues in using this code)<\/td><\/tr><\/tbody><\/table><p><em><strong>Note:<\/strong> Please contact KWAP if you encountered any problems to use these contribution codes.<\/em><\/p><p><em><strong>References:<\/strong><\/em><br \/>For more information please refer to the e-bulletin:<\/p><table><tbody><tr><td><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/3rd_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i>3rd Edition : Contribution Codes Used In Form<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><div class=\"spacing\">\u00a0<\/div><h6><strong>12. Does KWAP send the annual statement to the employers?<\/strong><\/h6><p>Presently, KWAP does not provide annual statement to the employers.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>13. Do employee make contribution payments?<\/strong><\/h6><p>No. Only employer is responsible to pay for the employee&#8217;s contribution.<\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>14. Does the Secondment officer have to take into account the change in Annual Salary Increase (KGT) at the original employer?<\/strong><\/h6><p>Yes. The Secondment Officer must take into account any changes in the (KGT), Special Increase for Incumbents (KUP) and promotion from original employer during secondment period.<\/p><div class=\"spacing\">\u00a0<\/div><p><em><strong>Note:<\/strong> Employers need to contact the original employer loan officer for relevant information.<\/em><\/p><div class=\"spacing\">\u00a0<\/div><h6><strong>15. Can secondment employer choose to contribute to the EPF for secondment officers with permanent and pensionable status?<\/strong><\/h6><p>No. Secondment employer is responsible for contributing to KWAP for permanent and pensionable secondment officers for the length of the secondment. <em>Please refer to Service Circular No. 12 of 2008.<\/em><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3404\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-3404\">\n                                \n                <span style=\"width:100%\">Mode of Payment<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3404\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3404\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. What are the modes of payment of contributions to KWAP?<\/strong><\/h6><ol type=\"a\"><li>Online (EFT\/TT\/RENTAS\/Cheque Deposit)<\/li><li style=\"padding-bottom: 10px;\">Cheque<\/li><\/ol><p><em><strong>Note:<\/strong> KWAP encourages electronic payments. However, if you want to use the payment mode through RENTAS, the payment is for a total contribution of RM10k and above only.<\/em><\/p><h6><strong>2. What are the conditions to be fulfilled in issuance of cheques? <\/strong><\/h6><ol type=\"a\"><li>Name of Payee : KUMPULAN WANG PERSARAAN (DIPERBADANKAN)<\/li><li>Signature must be in accordance to the terms agreed upon with the bank.<\/li><li>Payment amount (in Ringgit Malaysia) in numeric and in words shall be the same.<\/li><li>Date on cheque must be valid. Post dated cheques are strictly not allowed.<\/li><\/ol><h6><strong>3. What are the conditions to be fullfilled on issuance of EFT or RENTAS?<\/strong><\/h6><ol type=\"a\"><li>Send\u00a0 CN6 &#8211; Contribution Payment Via Bank Form on the same day as payment to KWAP via email to <a href=\"mailto:eft.contribution@kwap.gov.my\"><strong>eft.contribution@kwap.gov.my<\/strong><\/a><\/li><li style=\"padding-bottom: 10px;\">Submit CN3 &#8211; Contribution Form and CN4 &#8211; Arrears Contribution Form no later than one (1) day from the date of EFT \/ RENTAS transaction made.<\/li><\/ol><p><em><strong>Note:<\/strong> If CN6 &#8211; Contribution Payment Via Bank Form Is not received by KWAP, payment will not be processed and penalty may be imposed for late payment.<\/em><\/p><h6><strong>4. How do employers make payment using EFT or RENTAS for the first time?<\/strong><\/h6><p>Notify KWAP via email to <strong><a href=\"mailto:eft.contribution@kwap.gov.my\">eft.contribution@kwap.gov.my<\/a><\/strong> or submit an official letter to KWAP.<\/p><h6><strong>5. What is the KWAP company registration number for payment purposes via EFT?<\/strong><\/h6><p>KWAP &#8216;s registration number used for the purpose of payment via EFT is KWAPACT2007.<\/p><p><em style=\"padding-bottom: 10px;\"><strong>Note:<\/strong> KWAP is not registered under the Companies Commission of Malaysia (SSM).<\/em><\/p><h6><strong>6. What information needs to be entered in the description\/reference field on the bank screen when making an EFT contribution payment?<\/strong><br \/><!--<img decoding=\"async\" class=\"alignnone size-medium wp-image-17240\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/07\/Picture-for-No-6-Mode-of-Payment-1-213x300.png\" alt=\"\" width=\"213\" height=\"300\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/07\/Picture-for-No-6-Mode-of-Payment-1-213x300.png 213w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2022\/07\/Picture-for-No-6-Mode-of-Payment-1.png 286w\" sizes=\"(max-width: 213px) 100vw, 213px\" \/>--><\/h6><table style=\"margin-top: 10px;\" width=\"100%\" cellspacing=\"0\"><tbody><tr><td style=\"text-align: center;\"><strong>Payment<\/strong><\/td><td style=\"text-align: center;\"><b>Employer Number<\/b><\/td><td style=\"text-align: center;\"><strong>Form Code<\/strong><\/td><td style=\"text-align: center;\"><strong>Payment Period(Month\/Year)<\/strong><\/td><td style=\"text-align: center;\"><strong>Example Display on screen (Employer No.\/Form Code\/Period)<\/strong><\/td><\/tr><tr><td><strong>Monthly Contribution<\/strong><\/td><td>123456<\/td><td>CN3<\/td><td>1021<\/td><td>123456\/CN3\/1021<\/td><\/tr><tr><td><strong>Arrears<\/strong><\/td><td>123456<\/td><td>CN4<\/td><td>0821-0921<\/td><td>123456\/CN4\/0821-0921<\/td><\/tr><tr><td><strong>Penalty<\/strong><\/td><td>123456<\/td><td>PENALTY<\/td><td>1020<\/td><td>123456\/PENALTY\/1020<\/td><\/tr><\/tbody><\/table><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3405\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-3405\">\n                                \n                <span style=\"width:100%\">Penalty<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3405\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3405\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. Is there any penalty for late payment of contributions?<\/strong><\/h6><p><em>Please refer to Section 8(4) Act 239<\/em><\/p><div class=\"faq-table\" style=\"margin-top: 10px;\"><table width=\"100%\" cellspacing=\"0\"><tbody><tr><td style=\"text-align: center;\"><strong>Type of contribution <\/strong><\/td><td style=\"text-align: center;\"><b>Penalty<\/b><\/td><td style=\"text-align: center;\"><strong>Notes<\/strong><\/td><\/tr><tr><td><strong>a. Monthly contribution<\/strong><\/td><td>Yes<\/td><td>0.5% in respect of each month or part of a month after the due date during which such amount remains unpaid.<\/td><\/tr><tr><td><strong>b. Arrears <\/strong><\/td><td>No<\/td><td>Not applicable.<\/td><\/tr><\/tbody><\/table><\/div><h6><strong>2. Can employers apply for penalty waiver?<\/strong><\/h6><p>Yes. Please submit CN7 &#8211; Penalty Waiver Application Form. Penalty waiver is only granted for delays which is <strong>not due to a witful act or is due to an act which is beyond the control of the employer<\/strong>. <em>Please refer to Section 8 (6) of Act 239.<\/em><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3406\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-3406\">\n                                \n                <span style=\"width:100%\">Refund<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3406\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3406\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. What types of refund can employers \/ individuals make to KWAP?<\/strong><\/h6><p><strong>a. Employer Refund<\/strong><\/p><table style=\"margin-top: 10px;\"><tbody><tr><td style=\"text-align: center;\" colspan=\"4\" width=\"334\"><strong>Reason for refund<\/strong><\/td><td style=\"text-align: center;\" colspan=\"7\" width=\"869\"><strong>Supporting documents<\/strong><\/td><\/tr><tr><td colspan=\"4\" rowspan=\"5\" width=\"334\">Over payment or erroneous payment<\/td><td width=\"26\">a.<\/td><td colspan=\"6\" width=\"843\">CN5 &#8211; Refund Application Form<\/td><\/tr><tr><td width=\"26\">b.<\/td><td colspan=\"6\" width=\"843\">Official letter detailing reason for refund<\/td><\/tr><tr><td width=\"26\">c.<\/td><td colspan=\"6\" width=\"843\">Copy of CN3 &#8211; Contribution Form \/ CN4- Arrears Contribution Form for the respective month (s)<\/td><\/tr><tr><td id=\"epfshare\" width=\"26\">d.<\/td><td colspan=\"6\" width=\"843\">Copy of contribution payment receipt for the respective month (s)<\/td><\/tr><tr><td width=\"26\">e.<\/td><td colspan=\"6\" width=\"843\">Other supporting documents (if applicable)<\/td><\/tr><\/tbody><\/table><p><strong>b. Refund of Government Share (EPF) to Individual<\/strong><\/p><table style=\"margin-top: 10px;\" width=\"1203\"><tbody><tr><td style=\"text-align: center;\" colspan=\"4\" width=\"334\"><strong>Reason for refund<\/strong><\/td><td style=\"text-align: center;\" colspan=\"7\" width=\"869\"><strong>Terms and Conditions<\/strong><\/td><\/tr><tr><td colspan=\"4\" rowspan=\"4\" width=\"334\">Civil servants who lost their pensionable status due to resignation or dismissal and their government share has already been transferred from EPF to KWAP.<\/td><td width=\"26\">a.<\/td><td colspan=\"6\" width=\"843\">Must reach 55 years of age. Payment for applicant below age 55 can only be made upon the ex-civil servant no longer a Malaysian citizen and will migrate from Malaysia for good.<\/td><\/tr><tr><td width=\"26\">b.<\/td><td colspan=\"6\" width=\"843\">For deceased cases, application shall to be submitted by beneficiary and supported with necessary legal documents.<\/td><\/tr><tr><td width=\"26\">c.<\/td><td colspan=\"6\" width=\"843\">A letter of confirmation from the previous Ministry \/ Department on last served.<\/td><\/tr><tr><td width=\"26\">d.<\/td><td colspan=\"6\" width=\"843\">No dividend shall be paid on the government share (EPF) for the period held by KWAP.<\/td><\/tr><\/tbody><\/table><h6><strong>2. How long will it take for KWAP to process refund with complete documents?<\/strong><\/h6><table style=\"margin-top: 10px;\" width=\"777\"><tbody><tr><td style=\"text-align: center;\" colspan=\"4\" width=\"334\"><strong>Type of refund<\/strong><\/td><td style=\"text-align: center;\" colspan=\"4\" width=\"443\"><strong>Process duration<\/strong><\/td><\/tr><tr><td width=\"35\">a.<\/td><td colspan=\"3\" width=\"299\">Employer refund<br \/>(With Complete Documents)<\/td><td colspan=\"4\" width=\"443\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5 working days<\/td><\/tr><tr><td width=\"35\">b.<\/td><td colspan=\"3\" width=\"299\">Refund of Government Share (EPF) to Individual<br \/>(With Complete Documents)<\/td><td colspan=\"4\" width=\"443\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 14 working days<\/td><\/tr><\/tbody><\/table><h6><strong>3. What is the mode of payment for refund?<\/strong><\/h6><p>KWAP will pay via Electronic Funds Transfer (EFT) except for special request made by employer\/individual for cheque issuance.<\/p><h6><strong>4. Can employee claim a refund of the employer&#8217;s contribution if the employee is disqualified from pension?<br \/><\/strong><\/h6><p>Employee cannot request any claim from KWAP as no employee contribution is made to KWAP.<\/p><p>However, employee who lost their pensionable status can only claim for a refund of <a style=\"text-decoration: underline;\" href=\" #epfshare\"><em>EPF Government Shares<\/em><\/a>.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3407\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-3407\">\n                                \n                <span style=\"width:100%\">Portal<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3407\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3407\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. What are the benefits of KWAP&#8217;s Contribution Portal? <\/strong><\/h6><p><strong>The KWAP&#8217;s Contribution Portal can be used for the following purposes:<\/strong><\/p><ol style=\"margin-top: 0 !important;\" type=\"a\"><li>Registration of Super Admin Portal user ID<\/li><li>Register new members and any related update of member profile<\/li><li>Upload related employer contribution data or details<\/li><li>Download CN5 &#8211; Refund Application Form<\/li><\/ol><h6><strong>2. How can employers start using KWAP&#8217;s Contribution Portal?\u00a0<\/strong><\/h6><p>By completing and submitting the Portal Registration Form available at kwap.gov.my. Once the request approved by KWAP, employers can apply for user ID for <em>Super Admin Portal<\/em> and start use KWAP&#8217;s Contribution Portal.<\/p><div style=\"margin-top: 10px;\">\u00a0<\/div><p><strong>How to activate User ID<\/strong><\/p><table style=\"margin-top: 10px;\" width=\"1501\"><tbody><tr><td width=\"23\">a.<\/td><td colspan=\"13\" width=\"1478\">Receive temporary user ID via email<\/td><\/tr><tr><td width=\"23\">b.<\/td><td colspan=\"13\" width=\"1478\">Visit <em><strong><a href=\"https:\/\/www.icms.kwap.my\" target=\"_blank\" rel=\"noopener\">https:\/\/www.icms.kwap.my<\/a><\/strong><\/em><\/td><\/tr><tr><td width=\"23\">c.<\/td><td colspan=\"13\" width=\"1478\">Enter temporary user ID and click &#8220;Next&#8221;<\/td><\/tr><tr><td width=\"23\">d.<\/td><td colspan=\"13\" width=\"1478\">Enter the new user ID and password and click &#8220;Next&#8221; (the password must have a minimum of 8 characters and contain a mixture of uppercase letters, lowercase letters and numeric symbols)<\/td><\/tr><tr><td width=\"23\">e.<\/td><td colspan=\"13\" width=\"1478\">Enter the security question and click &#8220;Submit&#8221;<\/td><\/tr><tr><td width=\"23\">f.<\/td><td colspan=\"13\" width=\"1478\">Receive email from &#8220;MAKLUMAT CARUMAN&#8221; to activate user ID<\/td><\/tr><tr><td width=\"23\">g.<\/td><td colspan=\"13\" width=\"1478\">Click the link to the website: <strong><em><a href=\"https:\/\/www.icms.kwap.my\" target=\"_blank\" rel=\"noopener\">https:\/\/www.icms.kwap.my<\/a><\/em><\/strong>\u00a0 to activate the user ID<\/td><\/tr><tr><td width=\"23\">h.<\/td><td colspan=\"13\" width=\"1478\">Proceed to use KWAP&#8217;s Contribution Portal. If there are any issues, please contact KWAP.<\/td><\/tr><\/tbody><\/table><h6><strong>3. Can payment be made through the KWAP&#8217;s Contribution Portal?<\/strong><\/h6><p>No, KWAP&#8217;s Contribution Portal does not process any payment to KWAP.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-3408\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-3408\">\n                                \n                <span style=\"width:100%\">Compliance and Enforcement Visit<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-3408\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-3408\">\n                <div class=\"plus-content-editor\" ><h6><strong>1. Does KWAP conduct compliance and enforcement visits to employers?<\/strong><\/h6><p>Yes. KWAP will conduct the Compliance and Enforcement visits with employers from time to time.<br \/>Employers will be notified in advance for our compliance and enforcement visits.<\/p><h6><strong>2. What is the purpose of compliance and enforcement visit ?<\/strong><\/h6><p>The purpose of the visit is to ensure that contribution received from employer is in accordance with Statutory and Local Authorities Pensions Act 1980 (Act 239) and related service circulars.<\/p><h6><strong>3. How compliance and enforcement visit program will be conducted?<\/strong><\/h6><p>The Compliance and Enforcement Visit Programme is conducted in two (2) methods:<\/p><ol style=\"margin-top: 0 !important;\" type=\"a\"><li>Physical visit<\/li><li>Remote visit<\/li><\/ol><p>The employer can choose any of the methods of visitation specified. However, KWAP reserves the right to determine the appropriate method of visit depending on the current situation.<\/p><h6><strong>4. What documents do employers need to prepare prior to the compliance and enforcement visit?<\/strong><\/h6><p><strong>The required documents are as follows:<\/strong><\/p><ol style=\"margin-top: 0 !important;\" type=\"a\"><li>Pension Contribution Payment Record;<\/li><li>Service Book of permanent and pensionable staff;<\/li><li>List of staff involved with salary adjustments due to salary increases, grades and ranks; and<\/li><li>Other relevant documents to be notified from time to time.<\/li><\/ol><p><em><strong>Note:<\/strong> The scope of contribution review such as the period of the review year will be notified by KWAP.<\/em><\/p><h6><strong>5. What actions should be taken by employer if there are issues arising during visit?<\/strong><\/h6><p>The actions to be taken by the employer are as follows:<\/p><ol style=\"margin-top: 0 !important;\" type=\"a\"><li>Review the findings;<\/li><li>Submit feedback (latest discovery status);<\/li><li>Explain the assessment of arrears that have been confirmed (if any).<\/li><\/ol><div style=\"margin-top: 10px;\">\u00a0<\/div><p><em><strong>References: <\/strong><\/em><\/p><p>For more information please refer to the video:<\/p><table style=\"margin-top: 10px;\"><tbody><tr><td><strong><a href=\"https:\/\/youtu.be\/HeMdI1U9sag?list=PL-XVFCC6ZxeEHpaGgyiTjShzoUj_1r-DE\" target=\"_blank\" rel=\"noopener\"><i>Compliance and Enforcement Visit<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><p>or e-bulletin<\/p><table style=\"margin-top: 10px;\"><tbody><tr><td><strong><a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/contribution\/e-bulletin\/6th_Edition-Contribution_Department.pdf\" target=\"_blank\" rel=\"noopener\"><i> 6th Edition : Compliance and Enforcement Visit<\/i><\/a><\/strong><\/td><\/tr><\/tbody><\/table><h6>\u00a0<\/h6><h6>\u00a0<\/h6><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pp-tabs-panel\">\n\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title pp-tabs-label pp-tab-responsive   at-hover\" data-index=\"1054\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-tabs-title-inner\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"pp-advanced-tabs-title-text\">Investment<\/span>\n\t\t\t\t\t\t\t\t<i class=\"pp-toggle-icon pp-tab-open fa\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"pp-advanced-tabs-content-1054\" class=\"pp-advanced-tabs-content elementor-clearfix pp-advanced-tabs-section \" data-tab=\"4\" data-index=\"1054\" role=\"tabpanel\" aria-labelledby=\"pp-advanced-tabs-title-1054\">\n\t\t\t\t\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"22301\" class=\"elementor elementor-22301\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ce00852 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2ce00852\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c80ba7e\" data-id=\"c80ba7e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c384bf5 custom-num-listing elementor-widget elementor-widget-tp-accordion\" data-id=\"1c384bf5\" data-element_type=\"widget\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30ad0b7bd9\" data-accordion-id=\"accordion69f30ad0b7bd9\"\n    data-connection=\"\"\n    data-accordion-type=\"accordion\"\n    data-heightlight-text       role=\"tablist\" >\n\n            <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-4731\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-4731\">\n                                \n                <span style=\"width:100%\">What does KWAP invests in?<\/span>                <span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\"><span class=\"elementor-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"icon icon-plus\"><\/i><\/span><span class=\"elementor-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i><\/span><\/span>            <\/div>\n\n                        <div id=\"elementor-tab-content-4731\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-4731\">\n                <div class=\"plus-content-editor\" ><p>The KWAP Act permits investments based on asset allocation for\u00a0domestic and international exposure such as equities, fixed income securities, money market instruments and other forms of investment\u00a0that have been reviewed by the\u00a0Investment Panel and gained\u00a0the Board\u2019s approval. KWAP\u2019s investments also support ESG and Shariah compliance.<\/p><\/div>\n            <\/div>\n                    <\/div>\n        \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Corporate Pension Services Contribution Investment Corporate 01. What is KWAP\u2019s main activity? KWAP\u2019s main activity is managing contributions to and investments of the Fund as well as the management of pension payments. 02. Does KWAP have branches in each state? No. At the moment KWAP operates from its\u00a0main office in Kuala Lumpur while its Pension [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-22345","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ - KWAP<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - KWAP\" \/>\n<meta property=\"og:description\" content=\"Corporate Pension Services Contribution Investment Corporate 01. What is KWAP\u2019s main activity? KWAP\u2019s main activity is managing contributions to and investments of the Fund as well as the management of pension payments. 02. Does KWAP have branches in each state? No. At the moment KWAP operates from its\u00a0main office in Kuala Lumpur while its Pension [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kwap.gov.my\/stg\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"KWAP\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-16T05:38:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"64 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/\",\"url\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/\",\"name\":\"FAQ - KWAP\",\"isPartOf\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg\",\"datePublished\":\"2023-08-16T05:32:23+00:00\",\"dateModified\":\"2023-08-16T05:38:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.kwap.gov.my\/stg\/faq\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/#primaryimage\",\"url\":\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg\",\"contentUrl\":\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2023\/08\/faq-banner.jpg\",\"width\":1600,\"height\":455},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/faq\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.kwap.gov.my\/stg\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#website\",\"url\":\"https:\/\/www.kwap.gov.my\/stg\/\",\"name\":\"KWAP\",\"description\":\"Malaysia&#039;s largest public services pension fund\",\"publisher\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.kwap.gov.my\/stg\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#organization\",\"name\":\"KWAP\",\"url\":\"https:\/\/www.kwap.gov.my\/stg\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/11\/logo.png\",\"contentUrl\":\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/11\/logo.png\",\"width\":300,\"height\":96,\"caption\":\"KWAP\"},\"image\":{\"@id\":\"https:\/\/www.kwap.gov.my\/stg\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.instagram.com\/kwapmalaysia\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ - KWAP","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"FAQ - KWAP","og_description":"Corporate Pension Services Contribution Investment Corporate 01. What is KWAP\u2019s main activity? KWAP\u2019s main activity is managing contributions to and investments of the Fund as well as the management of pension payments. 02. Does KWAP have branches in each state? 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