{"id":2894,"date":"2021-12-15T17:05:34","date_gmt":"2021-12-15T09:05:34","guid":{"rendered":"https:\/\/www.kwap.okie.my\/?post_type=pension-services&#038;p=2894"},"modified":"2026-01-12T17:23:55","modified_gmt":"2026-01-12T09:23:55","slug":"pension-derivatives","status":"publish","type":"pension-services","link":"https:\/\/www.kwap.gov.my\/stg\/pension-services\/pension-derivatives\/","title":{"rendered":"Pension Derivatives"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2894\" class=\"elementor elementor-2894\" 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\">Pension Derivatives<\/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\/pension-derivatives.jpg\" class=\"attachment-full size-full wp-image-11529\" alt=\"\" srcset=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/pension-derivatives.jpg 1600w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/pension-derivatives-300x85.jpg 300w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/pension-derivatives-1024x291.jpg 1024w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/pension-derivatives-768x218.jpg 768w, https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2021\/12\/pension-derivatives-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-c7ea789 breadcrumbs elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"c7ea789\" 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-cd1a0dd\" data-id=\"cd1a0dd\" 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-5e9868a elementor-widget elementor-widget-global elementor-global-7590 elementor-widget-pp-breadcrumbs\" data-id=\"5e9868a\" 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-f1b22cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f1b22cc\" 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-8f6515e\" data-id=\"8f6515e\" 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-7f1cba0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7f1cba0\" 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\">Derivative Benefits<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e67c8d kwap-text pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9e67c8d\" 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>The following is a list of derivative benefits that eligible beneficiaries are entitled to according to the Pension Act:<\/p><div><ul><li>Derivative Gratuity:<br \/>Gratuity is a lump sum payment paid to eligible beneficiaries.<\/li><\/ul><\/div><div><ul><li>Derivative Payment in Lieu of Leave:<br \/>A cash payment (lump sum) in lieu of unutilised leave during service will be paid to eligible beneficiaries.<\/li><\/ul><\/div><div><p>Cash payment (lump sum) in lieu of unutilised leave during service will be paid to eligible beneficiaries:<\/p><div><ul><li>Derivative Pension: <br \/>A monthly pension derived due to the death of a civil servant \/ civil pensioner that is paid to eligible beneficiaries,\u00a0as stated in the relevant Pension Act.<\/li><\/ul><\/div><p>*Eligible beneficiaries \u2013 dependants of deceased civil servants \/ pensioners who died in service or legitimate next of kin.<\/p><p>\u00a0<\/p><\/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-4663894 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4663894\" 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\">ELIGIBLE BENEFICIARIES WHO CAN RECEIVE DERIVATIVE PENSION\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b461e8d kwap-text pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b461e8d\" 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>Below are the eligible beneficiaries who can receive a derivative pension:<\/p><div><ul><li>Widow or Widower<\/li><li>Children:<br \/><ul type=\"circle\"><li>Until the age of 21 or married (whichever comes first).<\/li><li>The continuation of derivative pension to the children may be reviewed if the child pursues education at a tertiary institution up to a bachelor&#8217;s degree, pending evaluation by JPA.<\/li><li>The exception of the age requirement of 21 years and being married does not apply to disabled children. Disabled children who are unable to support themselves are eligible to receive a lifetime derivative pension (subject to the qualification assessment by JPA).<\/li><\/ul><\/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-564b854 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"564b854\" 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\">BREAKDOWN \/ DISTRIBUTION OF DERIVATIVE PENSION<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3d890a kwap-text kwap-table pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b3d890a\" 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 the derivative gratuity and derivative payment in lieu of leave, the following are the fractions of share distribution:<\/p><div><ul><li>Widow\/ Widower and Child &#8211; 9\/10<\/li><li>Mother or Father &#8211; 1\/10.<\/li><\/ul><\/div><p>* In the absence of the above recipients, the derivative gratuity and cash awards as a substitute in lieu of leave may be given to legitimate next of kin.<br \/>The derivative pension payment is apportioned as follows:<\/p><div><ul><li>Widow \/ Widower (two (2) shares to each widow \/ widower)<\/li><li>Children (one (1) share to each child).<\/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-4e6aa75 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4e6aa75\" 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\">THE APPLICATION PROCESS FOR DERIVATIVE BENEFITS<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7fc5e1 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"f7fc5e1\" 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>In the case of death in service, the application for derivative benefit is managed by the last official department of the officer. The Human Resources Department of the late officer must provide the necessary documents to KWAP to process the derivative benefits.<\/p><p>\u00a0<\/p><p>An application for derivative benefit can be made by the beneficiaries of pensioners by completing the application form JPA.BP.SPT.B01d. (<span class=\"ms-rteThemeForeColor-5-0\"><a href=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2025\/08\/JPA.BP_.SPT_.B01d.Pin2025.pdf\" target=\"_blank\" rel=\"noopener\">download here<\/a><\/span>).<\/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-3083028 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3083028\" 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\">ELIGIBILITY TO RECEIVE DERIVATIVE PENSION FOR MARRIAGE IN SERVICE AND RETIREMENT<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3615310 kwap-text pension elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3615310\" 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>Eligibility to receive derivative pension:<\/p><div><ul><li>For couples who gets married while in service, the widow\/ widower is entitled to get a lifelong derivative pension.<\/li><li>For a marriage that occurs after the retirement of the employee, the eligible widow \/ widower is entitled to receive a derivative pension that is limited to 20 years from the date of retirement of the officer.<\/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-9b8a2b3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9b8a2b3\" 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\">CHILDREN OF THE DECEASED WHO ARE IN HIGHER LEARNING INSTITUTIONS<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a16da6 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"9a16da6\" 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>The issuance of derivative pension to a child will cease once the child reaches the age of 21 years. However, an extension of the derivative pension payment may be considered if the said child continues education at a higher learning institution until the attainment of a bachelor&#8217;s degree.<\/p><p>\u00a0<\/p><p>Application for derivative pension for children in IPTs can be submitted using Form JPA.BP.SPT.B03 (<span class=\"ms-rteThemeForeColor-5-0\"><a href=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2025\/07\/JPA.BP_.SPT_.B03a.Pin2024.pdf\" target=\"_blank\" rel=\"noopener\">download here<\/a><\/span>)<\/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-03b248a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"03b248a\" 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\">REPORTING THE DEATH OF A PENSIONER \/ DERIVATIVE PENSION RECIPIENT<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-273bec5 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"273bec5\" 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>Next of kin can report the death of a pensioner by contacting the KWAP Customer Service Unit at 03-88878777. The heirs may also present themselves at the KWAP Pension Services Division counter to report the mortality. Please provide a copy of the death certificate when the report is made.<\/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-fcbb81a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcbb81a\" 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\">APPLICATION FOR FUNERAL ARRANGEMENT ASSISTANCE<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2184ecb kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"2184ecb\" 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>Funeral arrangement assistance is given to the heirs of Malaysian Government retirees who passed away on and after 15 October 2010, including retirees who opt for the EPF scheme (prior to this date, no refund was given if the pensioner died). Applications can be made using form JPA.BP.UMUM.BMJ (<a href=\"https:\/\/www.kwap.gov.my\/stg\/wp-content\/uploads\/2025\/07\/JPA.BP_.UMUM_.BMJ_.Pin2025.pdf\" target=\"_blank\" rel=\"noopener\">download here<\/a>).<\/p><p>\u00a0<\/p><p>Please be informed that the BMJ payments will be made on the death of the pensioner only and will not be made when a derivative pension recipient dies.<\/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-385bf57 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"385bf57\" 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\">APPLICATION FOR PENSION BALANCE\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-410d988 kwap-text elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"410d988\" 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>Upon the death of the pensioner or pension recipient, the beneficiaries may claim any outstanding payment yet to be paid to the deceased (if any) by submitting the Pension Balance Application form (JPA.BP.UMUM.BK Pin 2024) which can be downloaded from www.jpapencen.gov.my.<\/p><p>\u00a0<\/p><p>If the application is submitted by someone other than the legal beneficiaries (other than the widow\/widower, children, or parents), the applicant must provide additional supporting documents, namely a Grant of Probate or Letter of Administration issued by the District Land Administrator, Court, or a legally appointed Estate Trustee.<\/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-2894","pension-services","type-pension-services","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pension Derivatives - KWAP<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pension Derivatives - KWAP\" \/>\n<meta property=\"og:description\" content=\"Home Derivative Benefits The following is a list of derivative benefits that eligible beneficiaries are entitled to according to the Pension Act: Derivative Gratuity:Gratuity is a lump sum payment paid to eligible beneficiaries. 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