{"id":8840,"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=8840"},"modified":"2026-02-04T09:16:29","modified_gmt":"2026-02-04T01:16:29","slug":"bakal-pesara","status":"publish","type":"pension-services","link":"https:\/\/www.kwap.gov.my\/stg\/pension-services\/bakal-pesara\/","title":{"rendered":"Bakal Pesara"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8840\" class=\"elementor elementor-8840\" 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\">Bakal Pesara<\/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\">BERDEDIKASI UNTUK MENINGKATKAN KEHIDUPAN ANDA <\/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\">Cara Pembayaran Faedah Persaraan<\/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>Cara Pembayaran Faedah<\/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=\"tooltip69f5aac6ae786\"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\">Pencen \/ Pencen Terbitan \/ Elaun Bersara \/ Elaun Bersara Terbitan \/ Pencen Hilang Upaya \/ Pencen Tanggungan<\/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=\"tooltip69f5aac6ae7ab\"class=\"plus-table-col elementor-repeater-item-0259afd\">\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\">Kredit terus (EFT) \/ Waran<\/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=\"tooltip69f5aac6ae7c8\"class=\"plus-table-col elementor-repeater-item-920c040\">\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\">Ganjaran \/ Ganjaran Terbitan<\/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=\"tooltip69f5aac6ae7da\"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\">Kredit terus (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=\"tooltip69f5aac6ae7fd\"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\">Pemberian Wang Tunai Gantian Cuti Rehat<\/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=\"tooltip69f5aac6ae811\"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\">Kredit terus (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>Skim Pembayaran Pencen Melalui Bank<br \/><\/strong><\/p><p><strong>Skim A<\/strong><\/p><div><ul><li>Pesara yang mempunyai suami \/ isteri yang dikahwini (masih hidup) selepas berpencen daripada perkhidmatan<\/li><li>Bayaran pencen akan dikreditkan secara automatik ke dalam akaun bank pesara atau penerima pencen setiap bulan.<\/li><\/ul><\/div><p><strong>Skim A Berwakil<\/strong><\/p><div><ul><li>Bagi pesara bujang, penerima pencen terbitan, pencen tanggungan, pesara yang berkahwin semula selepas persaraan, mereka boleh memohon untuk dibayar pencen bulanan melalui skim A berwakil dengan syarat akaun bank yang digunakan adalah akaun perseorangan<\/li><li>Permohonan boleh dibuat dengan mengisi borang JPA.BP.SKP.B08 (<a href=\"\/documents\/pension_services\/forms\/borang_pemantauan_pencen\/JPA.BP.SKP.B08.pdf\" target=\"_blank\" rel=\"noopener\">muat turun<\/a>)<\/li><\/ul><\/div><p><strong>Skim B<\/strong><\/p><div><ul><li>Bayaran melalui Skim B biasanya dibuat kepada pesara uzur dan anak kurang upaya melalui akaun bersama<\/li><li>Seorang wakil dilantik untuk menguruskan pencen bulanan penerima<\/li><li>Pesara atau penerima pencen perlu hadir di mana-mana cawangan bank pembayar bagi tujuan pengesahan sebelum bayaran pencen tersebut dikreditkan ke akaun.<\/li><li>Sekiranya bayaran pencen tidak dituntut selama tiga (3) bulan berturut-turut, bayaran tersebut akan luput dan bayaran pencen bagi bulan seterusnya akan dihentikan. Pesara atau penerima pencen perlu melaporkan kepada KWAP untuk mengaktifkan semula akaun pencen tersebut bagi membolehkan bayaran pencen disambung semula.<\/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\">Persaraan Pilihan Sendiri<\/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>Persaraan Pilihan Di Bawah Seksyen 12 Akta 227 \/ 239\u00a0<\/strong><\/p><p>Permohonan melalui Ketua Jabatan. Pekerja mesti :-<\/p><div><ul><li>Telah mencapai 40 tahun dan ke atas<\/li><li>Memiliki sekurang-kurangnya 10 tahun perkhidmatan yang boleh dimasukira<\/li><li>Telah disahkan ke dalam jawatan dan diberikan status taraf berpencen<\/li><\/ul><\/div><p><strong>Bayaran Faedah Persaraan<\/strong><\/p><p>Bagi pegawai yang dilantik sebelum 12\/4\/1991, bayaran ganjaran dan GCR akan dibuat pada tarikh persaraan, manakala pencen bulanan dibayar seperti berikut:<\/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=\"tooltip69f5aac6af983\"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\">Apabila mencapai umur 45 tahun<\/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=\"tooltip69f5aac6af98f\"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\">Mencapai umur 50 tahun<\/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=\"tooltip69f5aac6af9a0\"class=\"plus-table-col elementor-repeater-item-10c880f\" data-title=\"Apabila mencapai umur 45 tahun\">\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>Seorang pegawai perempuan<\/li><li>Seorang pegawai perkhidmatan bomba berpangkat rendah<\/li><li>Seorang pegawai polis berpangkat rendah<\/li><li>Seorang pegawai penjara berpangkat rendah<\/li><li>Seorang Jururawat lelaki di hospital mental<\/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=\"tooltip69f5aac6afa0a\"class=\"plus-table-col elementor-repeater-item-aa98e83\" data-title=\"Mencapai umur 50 tahun\">\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\">Seorang pegawai lelaki<\/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>Bagi pegawai yang dilantik pada dan selepas 12\/4\/1991, bayaran ganjaran dan GCR dibayar pada tarikh persaraan, manakala pencen bulanan akan dibayar apabila mencapai umur 55 tahun.<\/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\">MENGELAKKAN KELEWATAN PEMBAYARAN FAEDAH PENCEN<\/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 style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bakal pesara perlu menyemak buku rekod perkhidmatan, rekod cuti serta mengemaskini maklumat di HRMIS secara berkala dan memaklumkan kepada pihak jabatan sekiranya sebarang tindakan pengemaskinian perlu dilaksanakan.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pihak jabatan perlu memastikan dokumen persaraan yang lengkap diterima oleh KWAP dalam tempoh tiga (3) hingga enam (6) bulan sebelum tarikh bersara.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permohonan persaraan hanya akan diproses setelah Jabatan mengemukakan dokumen lengkap kepada KWAP.<\/span><\/li><\/ul>\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\">PENSWASTAAN SYARIKAT<\/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>Terdapat empat (4) opsyen yang ada untuk penamatan perkhidmatan bakal pesara apabila berlaku penswastaan iaitu:<\/p><div><ul><li>Bersara Setelah Menerima Tawaran untuk Berkhidmat dalam Organisasi Lain<\/li><li>Ditamatkan Perkhidmatan<\/li><li>Bersara Pilihan<\/li><li>Bersara kerana Jawatan yang Dipegang Dihapuskan<\/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=\"accordion69f5aac6c61db\" data-accordion-id=\"accordion69f5aac6c61db\"\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%\">Bersara Setelah Menerima Tawaran untuk Berkhidmat dalam Organisasi Lain <\/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>[Seksyen 12A Akta 227 \/ Seksyen 13 Akta 239]<\/strong><\/p><p>Seseorang pekerja yang bersara atas peruntukan di atas perlu berkhidmat dengan syarikat selama 5 tahun secara berterusan kecuali disebabkan oleh keadaan berikut :<\/p><div><ul><li>Sakit yang disahkan oleh Lembaga Perubatan Kerajaan;<\/li><li>Meninggal dunia, atau;<\/li><li>Dasar pengurangan pekerja yang dipersetujui oleh Kerajaan.<\/li><\/ul><\/div><p><strong>Skim yang ditawarkan :<\/strong><\/p><p><strong>Skim A<\/strong><\/p><div><ul><li>Gaji, elaun, bonus, cuti &amp; perubatan <strong>ikut kadar Kerajaan<\/strong>;<\/li><li>Boleh bertukar ke Skim B dalam tempoh 2 tahun (selepas 2 tahun, hanya boleh tukar jika ditawarkan kenaikan pangkat);<\/li><li>Tempoh perkhidmatan dan gaji akhir di syarikat <strong>diambil kira<\/strong> untuk faedah persaraan; dan<\/li><li>Ganjaran, kad pesara &amp; pencen diterima pada umur 55\/56\/58\/60 mengikut opsyen.<\/li><\/ul><\/div><p><strong>Skim B<\/strong><\/p><div><ul><li>Gaji, Elaun, Imbuhan, Cuti, Perubatan <strong>ikut kadar syarikat<\/strong>;<\/li><li><strong>Tidak boleh<\/strong> bertukar ke Skim A;<\/li><li>Tempoh perkhidmatan dan gaji akhir di syarikat <strong>tidak diambil kira<\/strong> untuk faedah persaraan; dan<\/li><li>Ganjaran, kad pesara &amp; pencen diterima pada umur 50(L)\/45(P).<\/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%\">Ditamatkan Perkhidmatan <\/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\" ><p><strong>Faedah yang diperoleh anggota yang ditamatkan perkhidmatan:<\/strong><\/p><div><ul><li>Layak menerima faedah persaraan sekiranya tempoh perkhidmatan adalah lima (5) tahun atau lebih.<\/li><li>Tertakluk di bawah Skim KWSP;<\/li><li>Bagi pegawai tetap &amp; sementara, syarikat mesti menawarkan opsyen pelantikan semula mengikut terma &amp; syarat syarikat; dan<\/li><li>Bagi pegawai kontrak dan sambilan pula, terpulang kepada syarikat sama ada mahu menawarkan opsyen untuk dilantik semula atau tidak.<\/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%\">Persaraan Pilihan <\/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>[Seksyen 12 Akta 227\/239]<\/strong><\/p><div><ul><li>Ganjaran &amp; kad pesara diterima pada tarikh pengkorporatan; dan<\/li><li>Bagi anggota yang dilantik sebelum 12.4.1991, pencen akan diterima pada umur 50(L)\/45(P), manakala bagi anggota yang dilantik selepas 12.4.1991, pencen akan diterima pada umur 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%\">Bersara Kerana Jawatan yang Dipegang Dihapuskan<\/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>[Seksyen 10(5)(b) Akta 227\/239]<\/strong><\/p><div><ul><li>Ganjaran, kad pesara &amp; pencen diterima pada tarikh pengkorporatan;<\/li><li>Tidak tertakluk kepada umur\/tarikh lantikan; dan<\/li><li>Tidak dibenarkan memasuki syarikat \/ dilantik semula oleh syarikat kecuali bagi pegawai yang telah mencapai umur 50(L)\/45(P) ke atas. Namun mereka yang telah berkhidmat selama kurang dari 10 tahun, boleh dipertimbangkan untuk memasuki syarikat dengan kelulusan khas Kerajaan.<\/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\">Peletakan Jawatan<\/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>Bagi anggota yang\u00a0meletakkan jawatan\u00a0atau\u00a0dikenakan tindakan tatatertib buang kerja, mereka tidak layak menerima faedah persaraan.<\/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-8840","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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