{"id":16402,"date":"2022-04-25T15:03:46","date_gmt":"2022-04-25T07:03:46","guid":{"rendered":"https:\/\/www.kwap.okie.my\/?post_type=pension-services&#038;p=16402"},"modified":"2026-02-24T16:03:24","modified_gmt":"2026-02-24T08:03:24","slug":"faqs-on-pension-services","status":"publish","type":"pension-services","link":"https:\/\/www.kwap.gov.my\/stg\/pension-services\/faqs-on-pension-services\/","title":{"rendered":"FAQs on Pension Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16402\" class=\"elementor elementor-16402\" data-elementor-post-type=\"pension-services\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f5d3a11 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=\"f5d3a11\" data-element_type=\"section\" data-e-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-8e0753f\" data-id=\"8e0753f\" data-element_type=\"column\" data-e-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-ad9aaba elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"ad9aaba\" data-element_type=\"section\" data-e-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-3dd3463\" data-id=\"3dd3463\" data-element_type=\"column\" data-e-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-da57289 elementor-widget__width-initial elementor-absolute diamond elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"da57289\" data-element_type=\"widget\" data-e-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-169ecde elementor-widget__width-initial animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"169ecde\" data-element_type=\"widget\" data-e-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\">FAQs on Pension Services<\/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-bc47c2e\" data-id=\"bc47c2e\" data-element_type=\"column\" data-e-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-1202637 elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"1202637\" data-element_type=\"widget\" data-e-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\/2021\/12\/contributing-banner.jpg\" class=\"attachment-full size-full wp-image-11241\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contributing-banner.jpg 1600w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contributing-banner-300x85.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contributing-banner-1024x291.jpg 1024w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contributing-banner-768x218.jpg 768w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/contributing-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-b232cbb breadcrumbs elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"b232cbb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:600}\">\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-fd790e6\" data-id=\"fd790e6\" data-element_type=\"column\" data-e-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-99fd2fa elementor-widget elementor-widget-global elementor-global-7590 elementor-widget-pp-breadcrumbs\" data-id=\"99fd2fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:1000,&quot;breadcrumbs_type&quot;:&quot;yoast&quot;}\" data-widget_type=\"pp-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"pp-breadcrumbs pp-breadcrumbs-yoast\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.kwap.gov.my\/stg\/en\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\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-b6e0637 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6e0637\" data-element_type=\"section\" data-e-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-2bcb0c1\" data-id=\"2bcb0c1\" data-element_type=\"column\" data-e-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-d65b509 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"d65b509\" data-element_type=\"widget\" data-e-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=\"https:\/\/www.kwap.gov.my\/stg\/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-9241ddf elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9241ddf\" data-element_type=\"widget\" data-e-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-ec911e2 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"ec911e2\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c3dd118\" data-accordion-id=\"accordion6a3114c3dd118\"\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-2481\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2481\">\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-2481\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2481\">\n                <div class=\"plus-content-editor\" ><p>Federal Public Service retirees who are under the Pension Scheme and Employees Provident Fund (EPF) retirees who retire for the following reasons:<\/p><ol type=\"a\"><li>retire upon reaching the retirement age option;<\/li><li>health reasons;<\/li><li>when the position they held is abolished;<\/li><li>for the purpose of facilitating the re-organisation of the department or organisation where the officer works for ease of improvement;<\/li><li>termination for reasons of public interest; or<\/li><li>death in service<\/li><\/ol><p>Eligible family members who are husband or wife and children under 18 years old; or, if they are still studying, under 26 years old; or children who suffer disability due to brain or physical weakness as stipulated in the Pekeliling Perkhidmatan Sumber Manusia \u2013 Kemudahan Perubatan Versi 1.0(2022)(CERAIAN SR.2.1.1).<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2482\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2482\">\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-2482\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2482\">\n                <div class=\"plus-content-editor\" ><p>The regulations on the application of medical benefit expenses for pensioners and eligible dependants are subject to the Pekeliling Perkhidmatan Sumber Manusia \u2013 Kemudahan Perubatan Versi 1.0 (2022) (CERAIAN SR.2.1.2.). However, the application of this circular by Statutory Body and Local Authorities is subject to the acceptance of their respective authorities.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2483\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2483\">\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-2483\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2483\">\n                <div class=\"plus-content-editor\" ><p>The reimbursement claims for kidney treatment expenses, as well as medications related to kidney disease, can be claimed from KWAP (subject to the prevailing effective policy).<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2484\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-2484\">\n                                \n                <span style=\"width:100%\">How to claim for medicine\/ medical equipment supplies 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-2484\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2484\">\n                <div class=\"plus-content-editor\" ><p>Pensioners must receive treatment and medical supplies at any government hospital\/clinic and must receive confirmation\/approval from a government physician. Pensioners must then fill in the Medical Form 1\/09 along with financial documents (treatment bills, receipt, invoice etc.) attached to the form.<\/p><p>Effective 1 January 2024, the applications for Dialysis Claims (Individual) for Federal Public Servant Pensioners and eligible dependants must be submitted to KWAP within the following month.<\/p><p>Please click the link for more information.<br \/><a href=\"https:\/\/docs.jpa.gov.my\/saraan\/kemudahan\/Kemudahan_Perubatan.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/docs.jpa.gov.my\/saraan\/kemudahan\/Kemudahan_Perubatan.pdf<\/a><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2485\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-2485\">\n                                \n                <span style=\"width:100%\">What is the eligibility 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-2485\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2485\">\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, then 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><p>It is hereby informed that, effective from 1 January 2024, the applications for Travel Claims (Outpatient Treatment &amp; Government Party Witnesses) for Federal Public Servant Pensioners and eligible dependants must be submitted to KWAP before the 10th of the following month.<\/p><p>Please click the link for more information.<br \/><a href=\"https:\/\/docs.jpa.gov.my\/saraan\/kemudahan\/Kemudahan_Perubatan.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/docs.jpa.gov.my\/saraan\/kemudahan\/Kemudahan_Perubatan.pdf<\/a><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2486\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-2486\">\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-2486\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2486\">\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-b9812a0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b9812a0\" data-element_type=\"widget\" data-e-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-15b94d3 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"15b94d3\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c3f0830\" data-accordion-id=\"accordion6a3114c3f0830\"\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-2271\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-2271\">\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-2271\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2271\">\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-2272\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-2272\">\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-2272\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2272\">\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-2273\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-2273\">\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-2273\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2273\">\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. This refers to <em>Peraturan 7, Peraturan \u2013 Peraturan Pencen 1980.<\/em><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2274\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-2274\">\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-2274\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2274\">\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 14 days from the retirement date, while the monthly pension will be paid within 21 days.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2275\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-2275\">\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-2275\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2275\">\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-2276\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-2276\">\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-2276\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2276\">\n                <div class=\"plus-content-editor\" ><p>Family members\/beneficiaries\/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. The Funeral Arrangement Assistance (BMJ) of RM3,000 is also eligible to be paid upon the death of a pensioner (effective 15 October 2010).<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2277\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-2277\">\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-2277\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2277\">\n                <div class=\"plus-content-editor\" ><p>Family members\/beneficiaries\/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. The Funeral Arrangement Assistance (BMJ) of RM3,000 is also eligible to be paid upon the death of a pensioner (effective 15 October 2010).<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-2278\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-2278\">\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-2278\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2278\">\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-2279\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-2279\">\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-2279\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2279\">\n                <div class=\"plus-content-editor\" ><p>Pensioner\u2019s spouse of a marriage occurring subsequent to the company&#8217;s privatisation is entitled to receive the derivative pension, but this entitlement is restricted to a maximum of 20 years from the date of privatization.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-22710\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"10\" aria-controls=\"elementor-tab-content-22710\">\n                                \n                <span style=\"width:100%\">If a privatised agency member has chosen Scheme A (government salary scheme), is he\/she allowed to switch to Scheme B (company salary scheme)?<\/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-22710\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22710\">\n                <div class=\"plus-content-editor\" ><p>The member may switch to Scheme B within 2 years from the company\u2019s privatisation date. However, they are not allowed to switch back to Scheme A. This refers to <em>Pekeliling MyPPSM Ceraian UP1.5.1.<\/em><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-22711\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"11\" aria-controls=\"elementor-tab-content-22711\">\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-22711\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22711\">\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-22712\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"12\" aria-controls=\"elementor-tab-content-22712\">\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-22712\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22712\">\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 G, Block A Quill 18<br \/>Lingkaran Teknokrat 3 Barat, 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-22713\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"13\" aria-controls=\"elementor-tab-content-22713\">\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-22713\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22713\">\n                <div class=\"plus-content-editor\" ><p>The application form can be downloaded at\u00a0<a class=\"docs-creator\" href=\"https:\/\/pencen.jpa.gov.my\/\" target=\"_blank\" rel=\"noopener\">pencen.jpa.gov.my<\/a>\u00a0or at the link\u00a0<a class=\"docs-creator\" href=\"https:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.jpapencen.gov.my\/borang\/bmj\/Borang_BMJ-BM-2023.pdf<\/a>. and further information on BMJ is available at the link <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-22714\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"14\" aria-controls=\"elementor-tab-content-22714\">\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-22714\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22714\">\n                <div class=\"plus-content-editor\" ><p>Browse\u00a0<a class=\"docs-creator\" href=\"https:\/\/pencen.jpa.gov.my\/\" target=\"_blank\" rel=\"noopener\">pencen.jpa.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-22715\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"15\" aria-controls=\"elementor-tab-content-22715\">\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-22715\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22715\">\n                <div class=\"plus-content-editor\" ><p>The pensioner card can be made at the Customer Service counter at Kumpulan Wang Persaraan (Diperbadankan) KWAP Cyberjaya, or at the JPA4U counter, Public Service Department, Block C2, Kompleks C in Putrajaya.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-22716\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"16\" aria-controls=\"elementor-tab-content-22716\">\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-22716\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22716\">\n                <div class=\"plus-content-editor\" ><p>The BMJ application must be submitted within 12 months from the date of the pensioner&#8217;s death.\u00a0<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-22717\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"17\" aria-controls=\"elementor-tab-content-22717\">\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-22717\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22717\">\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-22718\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"18\" aria-controls=\"elementor-tab-content-22718\">\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-22718\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22718\">\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 Service Department, KWAP 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>Pension Service Department, KWAP 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                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-22719\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"19\" aria-controls=\"elementor-tab-content-22719\">\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-22719\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"19\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-22719\">\n                <div class=\"plus-content-editor\" ><p>Visit <a href=\"https:\/\/pencen.jpa.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/pencen.jpa.gov.my\/<\/a> and \u201cLike\u201d our Facebook, i.e., <em>Bahagian Pencen JPA and KWAP Malaysia.<\/em><\/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-ea21cb0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ea21cb0\" data-element_type=\"widget\" data-e-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\"> Gantian Cuti Rehat<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90ba0de kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"90ba0de\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c41045f\" data-accordion-id=\"accordion6a3114c41045f\"\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-1511\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-1511\">\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-1511\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1511\">\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-1512\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-1512\">\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-1512\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1512\">\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-1513\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-1513\">\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-1513\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1513\">\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-1514\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-1514\">\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-1514\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1514\">\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-1515\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-1515\">\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-1515\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1515\">\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-1516\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-1516\">\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-1516\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1516\">\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 180 days<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1517\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-1517\">\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-1517\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1517\">\n                <div class=\"plus-content-editor\" ><p>Pension Service Department 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-1518\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-1518\">\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-1518\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1518\">\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-1519\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-1519\">\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-1519\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1519\">\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        \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-da04623 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"da04623\" data-element_type=\"widget\" data-e-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-563f27a kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"563f27a\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c4244dd\" data-accordion-id=\"accordion6a3114c4244dd\"\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-9041\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-9041\">\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-9041\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9041\">\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-9042\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-9042\">\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-9042\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9042\">\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 <a href=\"https:\/\/www.lppsa.gov.my\/v3\/my\/\">https:\/\/www.lppsa.gov.my\/v3\/my\/<\/a> or at the following address:<\/p><p>LPPSA<br \/>No 9, Ministry of Finance Complex, Persiaran Perdana<br \/>Precinct 2<br \/>Federal Government Administration Centre<br \/>62592 Putrajaya<\/p><p>or any housing financing agencies for pensioners (for housing financing other than LPPSA).<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9043\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-9043\">\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-9043\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9043\">\n                <div class=\"plus-content-editor\" ><p>Pensioner is required to complete the Debt\/No Debt Declaration Form on Part B (b) Home Loan Balance and submit it along with retirement documents to KWAP. Repayment of the housing loan is based on the deduction instruction letter issued by the housing financing agency to the Pension Division. Pensioner may also refer to his\/her respective housing financing agencies regarding the issuance of the deduction instruction letter.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9044\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-9044\">\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-9044\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9044\">\n                <div class=\"plus-content-editor\" ><p>Notification of a change of address can be made either by completing the form via the following link:<br \/><a href=\"https:\/\/pencen.jpa.gov.my\/images\/borang\/JPA.BP.UMUM.B05.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/pencen.jpa.gov.my\/images\/borang\/JPA.BP.UMUM.B05.pdf<\/a> (The completed form may be submitted to mypesara@kwap.gov.my)<\/p><p>Alternatively, you may visit the following counters for assistance:<\/p><ol><li>JPA4U Counter, Public Service Department, Block C2, Kompleks C, Putrajaya;<\/li><li>Customer Service Counter, Kumpulan Wang Persaraan (Diperbadankan) (KWAP), Cyberjaya;<\/li><li>Pension Division Counter, Public Service Department (JPA), Sabah Branch, Kota Kinabalu; and<\/li><li>Pension Division Counter, Public Service Department (JPA), Sarawak Branch, Kuching.<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9045\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-9045\">\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-9045\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9045\">\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-9046\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-9046\">\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-9046\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9046\">\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-9047\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-9047\">\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-9047\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9047\">\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-9048\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-9048\">\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-9048\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9048\">\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-9049\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-9049\">\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-9049\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9049\">\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-90410\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"10\" aria-controls=\"elementor-tab-content-90410\">\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-90410\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90410\">\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-90411\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"11\" aria-controls=\"elementor-tab-content-90411\">\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-90411\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90411\">\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 G, Block A Quill 18<br \/>Lingkaran Teknokrat 3 Barat, 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><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-90412\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"12\" aria-controls=\"elementor-tab-content-90412\">\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-90412\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90412\">\n                <div class=\"plus-content-editor\" ><p>Mother of the deceased officer\/employee is not eligible to receive derivative pension. However, she is still eligible to receive derivative gratuity, Cash Award in Lieu of Leave (GCR)and derivative Ex-Gratia after the death of the officer\/employee. In addition, consideration for Ex-Gratia Death benefits may also be possible.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-90413\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"13\" aria-controls=\"elementor-tab-content-90413\">\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-90413\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90413\">\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-90414\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"14\" aria-controls=\"elementor-tab-content-90414\">\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-90414\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90414\">\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-90415\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"15\" aria-controls=\"elementor-tab-content-90415\">\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-90415\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-90415\">\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-4ef7b94 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4ef7b94\" data-element_type=\"widget\" data-e-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-942622c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"942622c\" data-element_type=\"widget\" data-e-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-532847b kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"532847b\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c438578\" data-accordion-id=\"accordion6a3114c438578\"\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-8711\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-8711\">\n                                \n                <span style=\"width:100%\">What is the procedure for pensioners 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-8711\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8711\">\n                <div class=\"plus-content-editor\" ><p>Application to change the bank account can be made by completing the <em>Permohonan Pertukaran Akaun Bank<\/em> form (JPA.BP.PAB.01 Pin 2024), which can be downloaded from pencen.jpa.gov.my.<\/p><p>However, change of bank account is only allowed once within a 12-month period.<\/p><p>Complete documents can be mailed to the following address:<br \/>Kumpulan Wang Persaraan (Diperbadankan) (KWAP)<br \/>Jabatan Perkhidmatan Persaraan<br \/>Level G, Block A Quill 18<br \/>Lingkaran Teknokrat 3 Barat, Cyber 4<br \/>63000 Cyberjaya, Selangor.<\/p><p>or;<\/p><p>Submitted via KWAP&#8217;s feedback web portal at the link <a href=\"https:\/\/feedbacks.kwap.my\/\">https:\/\/feedbacks.kwap.my\/<\/a><\/p><p>or;<\/p><p>Submitted via email to <a href=\"mailto:mypesara@kwap.gov.my\">mypesara@kwap.gov.my<\/a><\/p><p>or<\/p><p>Walk-in to customer service counter at KWAP Cyberjaya<\/p><p>Application must be accompanied by a copy of the bank statement or complete bank account information.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-8712\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-8712\">\n                                \n                <span style=\"width:100%\">What is the difference between  monthly pension payment methods under 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-8712\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8712\">\n                <div class=\"plus-content-editor\" ><ol type=\"a\"><li style=\"list-style-type: none;\"><strong>Scheme A<\/strong><br \/><ol style=\"margin-bottom: 20px;\" type=\"i\"><li>Pension payments will be automatically credited into the pensioner or pension recipient&#8217;s bank account on monthly basis.<\/li><\/ol><\/li><li style=\"list-style-type: none;\"><strong>Scheme B<\/strong><br \/><ol type=\"i\"><li>Pensioners or pension recipients are required to be present at the bank counter for verification purposes before the pension is credited to the bank account.<\/li><li>\u00a0If the pension payments are not claimed for three (3) consecutive months, the payment will expire, and pension payments for the following month will cease. Pensioners or pension recipients are required to provide feedback to KWAP in order for the pension to resume.<\/li><\/ol><\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-8713\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-8713\">\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-8713\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8713\">\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-8714\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-8714\">\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-8714\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8714\">\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-8715\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-8715\">\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-8715\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8715\">\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-8716\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-8716\">\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-8716\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8716\">\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=\"https:\/\/www.kwap.gov.my\/documents\/forms\/lain_lain\/JPA.BP.UMUM.BK.pdf\">https:\/\/www.kwap.gov.my\/documents\/forms\/lain_lain\/JPA.BP.UMUM.BK.pdf<\/a><\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-8717\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-8717\">\n                                \n                <span style=\"width:100%\">List of panel banks for pension 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-8717\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8717\">\n                <div class=\"plus-content-editor\" ><ol><li>Affin Bank Berhad<\/li><li>Agrobank Berhad<\/li><li>Alliance Bank Berhad<\/li><li>AmBank Malaysia Berhad<\/li><li>Bank Islam Malaysia Berhad<\/li><li>Bank Kerjasama Rakyat Malaysia Berhad<\/li><li>Bank Muamalat Malaysia Berhad<\/li><li>Bank Simpanan Nasional<\/li><li>CIMB Bank Berhad<\/li><li>Hong Leong Bank Berhad<\/li><li>HSBC Bank Malaysia Berhad<\/li><li>Maybank Berhad<\/li><li>Public Bank Berhad<\/li><li>RHB Bank Berhad<\/li><li>Standard Chartered Bank Malaysia Berhad<\/li><li>United Overseas Bank (UOB) Malaysia Berhad<\/li><\/ol><p>Pension payment via AmBank, Standard Chartered and UOB is strictly for Scheme A only.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-8718\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-8718\">\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-8718\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8718\">\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-8719\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-8719\">\n                                \n                <span style=\"width:100%\">Can pensioners or pension recipients use a joint account for 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-8719\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8719\">\n                <div class=\"plus-content-editor\" ><p>The utilisation of a joint account is allowed for pensioners or pension recipients from the following categories:<\/p><ol><li>Senior citizens (aged 70 and above)<\/li><li>Pensioner\/ pension recipient with disabilities (OKU)<\/li><li>Minor children (aged below 12 years)<\/li><li>Pensioner\/ pension recipient with health issues and aged below 70 years (Requires confirmation from a medical officer)<\/li><\/ol><p>Appointment of a representative is required for the utilisation of a joint account. The representative must be the joint account holder of the pensioner or pension recipient.<\/p><p>Application must be accompanied by a copy of Pelantikan Wakil Skim A form, which can be downloaded from <a href=\"https:\/\/pencen.jpa.gov.my\/\">pencen.jpa.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-3dbe101 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3dbe101\" data-element_type=\"widget\" data-e-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-64c4b0a kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"64c4b0a\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c44c306\" data-accordion-id=\"accordion6a3114c44c306\"\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-1051\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-1051\">\n                                \n                <span style=\"width:100%\">What is 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-1051\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1051\">\n                <div class=\"plus-content-editor\" ><p>Ex-Gratia Payment Upon Death is a grant provided by the government to the beneficiaries of the officer as an additional benefit to existing benefits.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1052\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-1052\">\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-1052\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1052\">\n                <div class=\"plus-content-editor\" ><p>It is granted to the beneficiaries of a public servant who died in service with a service period not exceeding 240 months, in addition to the existing benefits.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1053\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-1053\">\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-1053\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1053\">\n                <div class=\"plus-content-editor\" ><p>Ex-Gratia Payment Upon Death is granted to widows\/widowers\/children\/parents of public servants who died in service, with a service period not exceeding 240 months and not due to suicide. Eligible service categories include temporary or permanent officers who opt for the Pension Scheme or the Employees Provident Fund (EPF) Scheme, serving in the Federal Public Service, State Service, Statutory Authority and Local Authority.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-1054\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-1054\">\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-1054\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1054\">\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-1055\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-1055\">\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-1055\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1055\">\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-1056\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-1056\">\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-1056\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1056\">\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-1057\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-1057\">\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-1057\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1057\">\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-c429ee9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c429ee9\" data-element_type=\"widget\" data-e-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-98558b6 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"98558b6\" data-element_type=\"widget\" data-e-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 SSPA<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58a4825 kwap-accordion kwap-table pension custom-num-listing elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"58a4825\" data-element_type=\"widget\" data-e-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=\"accordion6a3114c460466\" data-accordion-id=\"accordion6a3114c460466\"\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-9291\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-9291\">\n                                \n                <span style=\"width:100%\">Do government pensioners also receive the same percentage of increase as civil servants for the 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-9291\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9291\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">Yes, the pensioner\u2019s final salary will be adjusted in line with the actual salary of civil servants currently in service, known as the equivalent final salary. The new pension will be calculated based on the pension formula using this equivalent final salary. The percentage increase for the final salary is as follows:<\/p><p class=\"p1\"><b><br \/>Phase 1<\/b><\/p><ol type=\"i\"><li class=\"p1\">Top Management Group: 4%<\/li><li class=\"p1\">Executive and Management, and Professional Group:<br \/>Final Salary &gt; RM3000: 8%<br \/>Final Salary &lt; RM3000: RM240<\/li><\/ol><p class=\"p1\"><b>Phase 2<\/b><\/p><ol type=\"i\"><li class=\"p1\">Top Management Group: 3%<\/li><li class=\"p1\">Executive and Management, and Professional Group: 7%<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9292\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-9292\">\n                                \n                <span style=\"width:100%\">What formula will be used for the calculation of the new 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-9292\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9292\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\"><span class=\"s1\"><b>STEP 1<\/b><\/span><\/p><p class=\"p1\">Calculation of the equivalent final salary for 2024 must be done first.<\/p><p class=\"p1\">The method to obtain the equivalent final salary is as follows:<\/p><p><b>Executive and Management &amp; Professional Group:<\/b><\/p><ol type=\"a\"><li class=\"p1\">Final Salary\/Equivalent + (Final Salary\/Equivalent \u00d7 8%) if the amount of Final Salary\/Equivalent exceeds RM3000; or<\/li><li class=\"p1\">Final Salary\/Equivalent + RM240, if the Final Salary\/Equivalent is less than RM3,000<\/li><\/ol><p class=\"p1\"><b>Top Management Group:<\/b><\/p><p class=\"p1\">Final Salary\/Equivalent + (Final Salary\/Equivalent \u00d7 4%)<\/p><p><span class=\"s1\"><b>STEP 2<\/b><\/span><\/p><p class=\"p1\">Calculation of pension based on the final salary (Step 1) to determine the new pension amount starting December 2024 is based on the following formula:<\/p><p class=\"p1\">[1\/600 \u00d7Equivalent Final Salary 2024 X length of service*] + PKKP**<\/p><p class=\"p1\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><b>Note:<br \/><\/b><\/span><\/span>*If the length of service exceeds 30 years, the pension is subject to 3\/5 or 60% of the equivalent final salary for 2024.<\/p><p>PKKP only applies to retirement on or before 31 December 2022 and is subject to Government decisions and policies from time to time.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9293\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-9293\">\n                                \n                <span style=\"width:100%\">How will the pension be calculated for January 2025 and onwards? Will it still include the PKKP 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-9293\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9293\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">The government agreed to extend the PKKP period from January to December 2025 through the budget announcement by the Prime Minister.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9294\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-9294\">\n                                \n                <span style=\"width:100%\">How can pensioners calculate the new 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-9294\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9294\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">The new pension calculation can be done based on the published formula by entering the retirement details as follows, which can be obtained from the MyPesara mobile application:<\/p><ol type=\"i\"><li class=\"p1\">Equivalent final salary;<\/li><li class=\"p1\">Total quantifiable length of service; and<\/li><li class=\"p1\">Total PKKP amount received by the pensioner.<\/li><\/ol><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9295\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"5\" aria-controls=\"elementor-tab-content-9295\">\n                                \n                <span style=\"width:100%\">Where can the new pension amount be referred to starting from December 2024?<\/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-9295\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9295\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">Retirement details and the new pension amount can be checked through the monthly pension statement in the MyPesara mobile application or the MyPencen web application for further reference.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9296\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"6\" aria-controls=\"elementor-tab-content-9296\">\n                                \n                <span style=\"width:100%\">What is meant by \u2018Final Salary\/Equivalent\u2019?<\/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-9296\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9296\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">The final salary for Pension Adjustment Phase 1 refers to the equivalent salary as of 2012 or the last drawn salary for officers retiring from 1 January 2013 to 1 December 2024.<\/p><p>Meanwhile, the final salary for Pension Adjustment Phase 2 refers to the equivalent salary as of 2024 or the last drawn salary for officers retiring from 2 December 2024 to 31 December 2025.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9297\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"7\" aria-controls=\"elementor-tab-content-9297\">\n                                \n                <span style=\"width:100%\">What does PKPP mean?<\/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-9297\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9297\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">PKKP is a Government initiative to harmonise the implementation of the Federal Court\u2019s decision while ensuring the welfare of pensioners.<\/p><p>PKKP represents the payment of the difference between the current pension amount and the original pension amount, ensuring that the amount received by pensioners each month is equal to the current pension amount.<\/p><p>Example:<br \/>If the original pension amount in December 2012 was RM1,413.49, and the pension amount in June 2023 was RM1,757.43, the PKKP calculation is as follows:<\/p><p class=\"p1\">Original pension amount + PKKP special assistance = current amount<br \/>RM1,413.49 + RM343.94 = RM1,757.43<\/p><p>PKKP only applies to retirements on or before 31 December 2022 and is subject to Government decisions and policies from time to time.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9298\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"8\" aria-controls=\"elementor-tab-content-9298\">\n                                \n                <span style=\"width:100%\">What does quantifiable length of service mean?<\/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-9298\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9298\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">The quantifiable length of service for retirement benefit calculation is taken from the date of permanent appointment up to the day before the retirement date.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-9299\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"9\" aria-controls=\"elementor-tab-content-9299\">\n                                \n                <span style=\"width:100%\">Who is eligible for pension adjustment under the Sistem Saraan Perkhidmatan Awam (SSPA)?<\/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-9299\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-9299\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">Pensioners\/pension recipients eligible for pension adjustment are those currently receiving:<\/p><ul><li class=\"p1\">Pension Benefits<\/li><li class=\"p1\">Derivative Pension Benefits<\/li><li class=\"p1\">Disability Pension Benefits<\/li><li class=\"p1\">Dependent Pension Benefits<\/li><li class=\"p1\">Retirement Allowance Benefits<\/li><li class=\"p1\">Derivative Retirement Allowance Benefits<\/li><\/ul><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-92910\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"10\" aria-controls=\"elementor-tab-content-92910\">\n                                \n                <span style=\"width:100%\">After Phase 2, will there be annual pension increases? What percentage will be applied each year?  <br><br> Will the new calculation also involve pensioners who have been retired for more than one 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-92910\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-92910\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">No, based on the Federal Court decision on 27 June 2023, there will be no annual pension increase. The next pension increase will only be implemented if there is a salary revision for civil servants.<\/p><p>Yes, the pension adjustment will be applied to all public service pensioners without any time limit.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-92911\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"11\" aria-controls=\"elementor-tab-content-92911\">\n                                \n                <span style=\"width:100%\">If retirement occurs after 1 December 2024, is the pensioner still eligible for Pension Adjustment Phase 2?<\/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-92911\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-92911\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">Officers who retire between 2 December 2024 and 31 December 2025 are <b>still eligible<\/b> to receive Pension Adjustment Phase 2.<\/p><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-92912\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"12\" aria-controls=\"elementor-tab-content-92912\">\n                                \n                <span style=\"width:100%\">Who is not eligible\u00a0to receive pension adjustment under Sistem Saraan Perkhidmatan Awam (SSPA)?<\/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-92912\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-92912\">\n                <div class=\"plus-content-editor\" ><p class=\"p1\">Pensioners\/recipients who are not eligible for pension adjustment under SSPA are as follows:<\/p><p><span class=\"s1\"><b>PHASE 1<\/b><\/span><\/p><ul><li class=\"p1\">Members of Parliament or Members of the Administration<\/li><li class=\"p1\">Political Secretaries<\/li><li class=\"p1\">Judges<\/li><li class=\"p1\">Pensionable officers who relinquished pension rights to join Statutory Bodies with Separate Remuneration (BBDS)<\/li><li class=\"p1\">Recipients of Dependent Pension\/ Permanent Force Pension (POTPAT)<\/li><li class=\"p1\">Recipients of Ex-Gratia Work Disaster payments under 1PP: WP6.3 \u2013 Public Funds Management, Ex-Gratia Derivative PP 17\/2008, and Ex-Gratia Lump Sum Death PP 11\/2019 only<\/li><li class=\"p1\">Pensioners whose retirement date is on or after <b>2 December 2024<\/b><\/li><\/ul><p class=\"p1\">Pensioners and recipients who passed away on or before<b> 30 November 2024<\/b><\/p><p><span class=\"s1\"><b>PHASE 2<\/b><\/span><\/p><ul><li class=\"p1\">Members of Parliament or Members of the Administration<\/li><li class=\"p1\">Political Secretaries<\/li><li class=\"p1\">Judges<\/li><li class=\"p1\">Pensionable officers who relinquished pension rights to join Statutory Bodies with Separate Remuneration (BBDS)<\/li><li class=\"p1\">Recipients of Dependent Pension \/ Permanent Force Pension (POTPAT)<\/li><li class=\"p1\">Recipients of Ex-Gratia Work Disaster payments under 1PP: WP6.3 \u2013 Public Funds Management, Ex-Gratia Derivative PP 17\/2008, and Ex-Gratia Lump Sum Death PP 11\/2019 only<\/li><\/ul><p class=\"p1\">\u00a0<\/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","protected":false},"featured_media":0,"parent":0,"template":"","categories":[],"class_list":["post-16402","pension-services","type-pension-services","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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