{"id":2875,"date":"2021-12-15T16:52:10","date_gmt":"2021-12-15T16:52:10","guid":{"rendered":"https:\/\/www.kwap.okie.my\/?post_type=pension-services&#038;p=2875"},"modified":"2026-02-04T09:21:22","modified_gmt":"2026-02-04T01:21:22","slug":"future-pensioners","status":"publish","type":"pension-services","link":"https:\/\/www.kwap.gov.my\/stg\/pension-services\/future-pensioners\/","title":{"rendered":"Future Pensioners"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2875\" class=\"elementor elementor-2875\" data-elementor-post-type=\"pension-services\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-347bad1 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=\"347bad1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0dfb015\" data-id=\"0dfb015\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d60239d elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"d60239d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a9d47ee\" data-id=\"a9d47ee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d27feb5 elementor-widget__width-initial elementor-absolute diamond elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-spacer\" data-id=\"d27feb5\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb9faa elementor-widget__width-initial animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2cb9faa\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Future Pensioners<\/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-1fd4b7c\" data-id=\"1fd4b7c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbc3ed elementor-absolute elementor-invisible elementor-widget elementor-widget-image\" data-id=\"5dbc3ed\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"455\" src=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-banner.jpg\" class=\"attachment-full size-full wp-image-11531\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-banner.jpg 1600w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-banner-300x85.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-banner-1024x291.jpg 1024w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-banner-768x218.jpg 768w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/future-pensioner-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-353d995 breadcrumbs elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"353d995\" data-element_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-dc6a2b3\" data-id=\"dc6a2b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d828e56 elementor-widget elementor-widget-global elementor-global-7590 elementor-widget-pp-breadcrumbs\" data-id=\"d828e56\" data-element_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-f3f5dc2 kwap-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3f5dc2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a0d7f4\" data-id=\"2a0d7f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cc091a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0cc091a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dedicated to improving your life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a404d5 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5a404d5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Payment Method<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe11a9b kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"fe11a9b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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><strong>Benefit Payment Method<\/strong><\/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-59da416 special-table kwap-text pension  plus-border-yes elementor-invisible elementor-widget elementor-widget-tp-table\" data-id=\"59da416\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div itemscope class=\"plus-table-wrapper   tp-table-mobresswipe\" itemtype=\"http:\/\/schema.org\/Table\">\n\n\t\t\t\t<table id=\"plus-table-id-59da416\" class=\"plus-table plus-text-break plus-column-rules\" data-sort-table=\"no\" data-show-entry=\"no\" data-searchable=\"no\">\n\t\t\t\t\t\n\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t<!-- ROWS -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr data-entry=\"1\" class=\"plus-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d0017790\"class=\"plus-table-col elementor-repeater-item-73ac18e\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Pension \/ Derivative Pension \/ Retirement Allowance \/ Derivative Retirement Allowance \/ Pension Due to Disability \/ Dependent Pension<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d00177b6\"class=\"plus-table-col elementor-repeater-item-2fe379c\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Electronic Fund Transfer (EFT) \/ Warrant<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr><tr data-entry=\"2\" class=\"plus-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d00177d2\"class=\"plus-table-col elementor-repeater-item-e5c41ee\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Gratuity\/Derivative Gratuity<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d00177e4\"class=\"plus-table-col elementor-repeater-item-e84759d\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Electronic Fund Transfer (EFT)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr><tr data-entry=\"3\" class=\"plus-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d00177fa\"class=\"plus-table-col elementor-repeater-item-6d2b5fe\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Cash Reward in Lieu of Leave<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d001780a\"class=\"plus-table-col elementor-repeater-item-342f78e\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Electronic Fund Transfer (EFT)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\n\t\t\t<\/div> \n\t\t\t<style>#plus-table-id-59da416 th,#plus-table-id-59da416 th .plus-table__text{ margin:0 auto;text-align:left;margin-left:0;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7a123e kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"e7a123e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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><strong>Pension Payment Scheme via Banks<\/strong><\/p><p><strong>Scheme A<\/strong><\/p><div><ul><li>For a pensioner who has a wife (wives) \/ husband or wife (wives) \/ husband from marriage after being pensioned from service.<\/li><li>Pension payments will be automatically credited into the pensioner or pension recipient&#8217;s bank account on monthly basis.<\/li><\/ul><\/div><p><strong>Scheme A (Representative)<\/strong><\/p><div><ul><li>A single pensioner, derivative pension recipient, dependent pension or pensioner who marries again after retirement is eligible to apply for the monthly pension paid under Scheme A, provided the bank account used is an individual account.<\/li><li>The application can be made by filling out the JPA.BP.SKP.B08 form (<a href=\"https:\/\/www.kwap.gov.my\/stg\/documents\/pension_services\/forms\/borang_pemantauan_pencen\/JPA.BP.SKP.B08.pdf\" target=\"_blank\" rel=\"noopener\">download here<\/a>).<\/li><\/ul><\/div><p><strong>Scheme B<\/strong><\/p><div><ul><li>Payment under Scheme B is usually made to elderly pensioners and disabled children via a joint account.<\/li><li>To appoint a representative to manage a recipient\u2019s monthly pension payment.<\/li><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. pensioner\u2019s bank account.<\/li><li>If 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 be reactivated.<\/li><\/ul><\/div>\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-44273d4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"44273d4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Optional Retirement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7796620 kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7796620\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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><strong style=\"letter-spacing: 0.2px; color: var( --e-global-color-text );\">Optional Retirement Under Section 12 Act 227\/239<\/strong><\/p><p>Application by Head of Department. The employee must:<\/p><div><ul><li>Over 40 years of age<\/li><li>Having at least 10 years of reckonable service length<\/li><li>Confirmed in the position and have reached pensionable status.<\/li><\/ul><\/div><p><strong>Payment of Retirement Benefit\u00a0<\/strong><\/p><p>For employees appointed prior to 12\/04\/1991, remuneration payment and payment in lieu of leave will be made on the date of retirement, whereas payment of monthly pension will commence as below:<\/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-a32fc56 kwap-table kwap-text pension schedule plus-border-yes elementor-invisible elementor-widget elementor-widget-tp-table\" data-id=\"a32fc56\" data-element_type=\"widget\" id=\"pension-table-list\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div itemscope class=\"plus-table-wrapper   tp-table-mobresswipe\" itemtype=\"http:\/\/schema.org\/Table\">\n\n\t\t\t\t<table id=\"plus-table-id-a32fc56\" class=\"plus-table plus-text-break plus-column-rules\" data-sort-table=\"no\" data-show-entry=\"no\" data-searchable=\"no\">\n\t\t\t\t\t\t\t\t\t\t\t<thead> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr class=\"plus-table-row\"> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th id=\"tooltip69f30d001897c\"data-sort=\"0\" class=\"sort-this elementor-repeater-item-b942374 plus-table-col\" data-local=\"true\"  scope=\"col\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Upon reaching 45 years of age<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span> \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th id=\"tooltip69f30d001898a\"data-sort=\"1\" class=\"sort-this elementor-repeater-item-0e41f87 plus-table-col\" data-local=\"true\"  scope=\"col\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Upon reaching 50 years of age<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span> \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/thead> \n\t\t\t\t\t\t\n\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t<!-- ROWS -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr data-entry=\"1\" class=\"plus-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d001899a\"class=\"plus-table-col elementor-repeater-item-10c880f\" data-title=\"Upon reaching 45 years of age\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\"><ul><li>Female employee<\/li><li>Low-ranking fireman<\/li><li>Low-ranking police officer<\/li><li>Low-ranking prison officer<\/li><li>Male nurse in mental hospital<\/li><\/ul><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td id=\"tooltip69f30d00189fb\"class=\"plus-table-col elementor-repeater-item-aa98e83\" data-title=\"Upon reaching 50 years of age\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"plus-table__text-inner\">Male officer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\n\t\t\t<\/div> \n\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e3a76b kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"6e3a76b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>For employees appointed on or after 12\/04\/1991, the payment of remuneration and Gantian Cuti Rehat (GCR) will be paid on the retirement date while the monthly pension will be paid upon reaching 55 years of age.<\/p><p>\u00a0<\/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-56ea0fe elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"56ea0fe\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">To Avoid Delays in Pension Benefit Payment<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f28eb0 kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1f28eb0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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<ul><li>Future retirees are encouraged to regularly review their service record book, leave records, and ensure that all information in the Human Resource Management Information System (HRMIS) is up to date. Any updates that require action by the department must be communicated promptly.<\/li><li>Departments are responsible for ensuring that all complete retirement documentation is received by KWAP within three (3) to six (6) months prior to the employee\u2019s retirement date.<\/li><li>Retirement applications will only be processed upon receipt of complete documentation from the respective departments.<\/li><\/ul><p>\u00a0<\/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-0e1f90b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0e1f90b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Privatisation of Company<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5b900 kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"db5b900\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>Four (4) options are available for termination of employment of future pensioners in the event of privatisation:<\/p><div><ul><li>Retired After Receiving an Offer From Another Organisation<\/li><li>Termination of Service<\/li><li>Optional Retirement<\/li><li>Retired Due to the Position Being Abrogated.<\/li><\/ul><\/div>\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-4b1cdcd kwap-accordion kwap-table pension elementor-invisible elementor-widget elementor-widget-tp-accordion\" data-id=\"4b1cdcd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"theplus-accordion-wrapper elementor-accordion   \"\n    id=\"accordion69f30d015c8af\" data-accordion-id=\"accordion69f30d015c8af\"\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-7871\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"1\" aria-controls=\"elementor-tab-content-7871\">\n                                \n                <span style=\"width:100%\">Retired After Receiving an Offer From Another Organisation<\/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-7871\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7871\">\n                <div class=\"plus-content-editor\" ><p><strong>(Section 12A Act 227 \/ Section 13 Act 239)<\/strong><\/p><p>An employee who retires under the above provisions must have served the company for five (5) years continuously unless the conditions below occurred:<\/p><div><ul><li>An illness confirmed by the Medical Board of the Government Medical Board;<\/li><li>Passed away; or<\/li><li>Downsizing policies as agreed by the Government.<\/li><\/ul><\/div><p><strong>Schemes offered:<\/strong><\/p><p><strong>Scheme A<\/strong><\/p><div><ul><li>Salary, Allowance, Bonus, Leave &amp; Medical expenses according to Government rate<\/li><li>Able to convert to Scheme B within two (2) years (after 2 years, only able to convert by obtaining a job promotion)<\/li><li>Duration of service and the last drawn salary at the company will be taken into account for retirement benefits<\/li><li>Pension, retirement card &amp; benefits will be given at the age of 55\/56\/58\/60 based on options.<\/li><\/ul><\/div><p><strong>Scheme B<\/strong><\/p><div><ul><li>Salary, Allowance, Remuneration, Leave &amp; Medical expenses according to company rate<\/li><li>Not allowed to convert to Scheme A<\/li><li>Duration of service and the last drawn salary at the company will not be taken into account for retirement benefits<\/li><li>Benefit, Retirement card &amp; Pension received at the age of 50(M)\/45(F)<\/li><\/ul><\/div><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-7872\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"2\" aria-controls=\"elementor-tab-content-7872\">\n                                \n                <span style=\"width:100%\">Termination of 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-7872\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7872\">\n                <div class=\"plus-content-editor\" ><div><strong>Benefits gained by terminated members:<\/strong><\/div><div><ul><li>Eligible to receive retirement benefits if the period of service is five (5) years or more.<\/li><li>Subject to EPF scheme<\/li><li>For permanent and temporary employees; the company must offer a re-appointment option based on the terms and conditions<\/li><li>As for part-time and contract basis employees, the company has the discretion whether to offer a re-appointment option.<\/li><\/ul><\/div><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-7873\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"3\" aria-controls=\"elementor-tab-content-7873\">\n                                \n                <span style=\"width:100%\">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-7873\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7873\">\n                <div class=\"plus-content-editor\" ><p><strong>(Section 12 Act 227\/239)<\/strong><\/p><div><ul><li>Benefit &amp; Retirement Card received on the date of privatisation<\/li><li>Members who are appointed before 12\/04\/1991 will receive their pensions at the age of 50 (M) \/ 45 (F), while members appointed after 12\/04\/1991 will receive their pensions at the age of 55.<\/li><\/ul><\/div><\/div>\n            <\/div>\n                    <\/div>\n                <div class=\"theplus-accordion-item\"  role=\"tab\">\n            <div id=\"elementor-tab-title-7874\" class=\"elementor-tab-title plus-accordion-header 0 text-left \" data-tab=\"4\" aria-controls=\"elementor-tab-content-7874\">\n                                \n                <span style=\"width:100%\">Retirement Due to the Position Being Abrogated<\/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-7874\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content 0 \" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7874\">\n                <div class=\"plus-content-editor\" ><p><strong>(Section 10(5) (b) Act 227\/239)<\/strong><\/p><div><ul><li>Benefit, pension card &amp; pension received on the date of privatisation<\/li><li>Not subject to age or date of being appointed<\/li><li>Not allowed to join the company \/ be reappointed by the company, except for employees who have reached the age of 50 (M) \/ 45 (F) and above. Whereas those who have served less than 10 years can be considered for employment with the company again subject to special approval from the Government.<\/li><\/ul><\/div><\/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-cab881b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"cab881b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Resignation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac94088 kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ac94088\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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>Government servants who have resigned or have been dismissed due to disciplinary action are not eligible for pension benefits<\/p>\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<\/div>\n\t\t","protected":false},"featured_media":0,"parent":0,"template":"","categories":[],"class_list":["post-2875","pension-services","type-pension-services","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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