Services at Naungan Law
Three Ways to Address Your Pension Matter
Whether you need clarity, representation, or sustained support — we have a service designed around the scope of your situation, with transparent fees at each level.
Back to HomeOur Methodology
How We Approach Every Matter
Regardless of which service applies to your situation, the underlying approach is consistent: thorough preparation, clear communication, and work that is calibrated to the specific circumstances of each client.
Begin with the Records
Every engagement starts with a careful review of the relevant documents — EPF statements, pension award letters, employment records, or previous correspondence. We build a factual picture before forming any view.
Assess Against the Law
The records are assessed against the relevant legislative provisions — whether that is the EPF Act, the Pensions Act, or the applicable Statutory and Local Authorities regulations. We identify where the entitlement lies and where any discrepancy arises.
Act and Report
Depending on the service engaged, we prepare correspondence, submit appeals, or produce a written summary. All outcomes are documented for the client and explained in plain language before the engagement closes.
Service 01
Pension Entitlement Review
A confidential, unhurried review of your pension records, EPF/KWSP statements, and supporting documents to clarify your entitlements and options. We explain in plain terms where your matter stands, what paperwork may be missing, and which steps are worth considering. Suitable for retirees and pre-retirees who simply want clarity before deciding anything. Includes a written summary of findings and a clear outline of possible next steps.
- Thorough review of EPF/KWSP contribution statements
- Identification of missing documents or records gaps
- Plain-language written summary of findings
- Clear outline of possible next steps
Process Steps
Submit your enquiry and share any relevant documents
Solicitor reviews records and prepares findings
Written summary delivered and explained in a follow-up call
Typical duration: 2–4 weeks · Best for: retirees, pre-retirees seeking clarity
Service 02
Pension Dispute Representation
Considered representation where a pension has been withheld, reduced, or miscalculated, including government pension appeals and EPF-related disagreements. We correspond with the relevant authorities on your behalf, prepare the supporting documentation, and keep you informed at each stage in language you can follow. Designed for clients facing an active dispute who would prefer experienced hands to carry the matter forward.
- Formal correspondence with EPF or government pension bodies
- Preparation of appeal documentation and supporting evidence
- Regular progress updates at each stage
- Written closure report at the conclusion of the matter
Process Steps
Initial review of dispute facts, existing correspondence, and records
Engagement letter issued; representation commences
Formal correspondence and documentation submitted to relevant authority
Response received, reviewed, and outcome reported to client
Typical duration: 2–5 months · Best for: clients with an active pension dispute
Service 03
Comprehensive Pension Protection Package
End-to-end handling of a complex pension matter, from the initial records review through correspondence, appeals, and ongoing advisory support. We manage documentation, liaise with authorities, and remain available for questions as circumstances change over the months ahead. Intended for clients who want a single, steady point of contact for the whole journey rather than piecemeal help.
- Full records review through to appeal resolution
- Ongoing authority liaison and correspondence management
- Advisory support as circumstances develop
- One dedicated solicitor throughout the entire process
Process Steps
Comprehensive initial records review and situation assessment
Strategy agreed; engagement letter and fee confirmed
Correspondence, appeals, and authority liaison handled end-to-end
Ongoing advisory available as the matter progresses or new issues arise
Final written summary prepared and debriefed with client
Duration: variable by complexity · Best for: complex, multi-stage pension matters
Decision Guide
Which Service Is Right for You?
Use this comparison to help identify which level of engagement fits your current situation.
|
Entitlement Review RM 290 |
Dispute Representation RM 640 Popular |
Protection Package RM 1,100 |
|
|---|---|---|---|
| EPF/KWSP records review | |||
| Written summary of findings | |||
| Formal dispute correspondence | |||
| Appeal preparation and submission | |||
| Ongoing advisory support | |||
| Multi-stage complex matter handling |
Not sure which applies to you? Contact us and we will help identify the appropriate starting point.
Standards
What Applies Across All Services
Solicitor-Client Privilege
All communications are protected under legal professional privilege. Your information is shared only where necessary and with your knowledge.
Written Engagement Terms
Every engagement starts with a written letter confirming scope, fees, and expectations. Nothing proceeds without your agreement.
Malaysian Bar Standards
All work is conducted by practitioners holding current Annual Practising Certificates under the Legal Profession Act 1976.
Progress Communication
You are informed at each meaningful point in your matter — not just when something goes wrong. No unexplained silences.
PDPA Compliance
Personal data is handled in accordance with the Personal Data Protection Act 2010 throughout every engagement.
Professional Indemnity
The firm carries professional indemnity insurance as required by the Bar Council, providing additional protection for every client.
Pricing
Clear Fees, No Surprises
All fees are stated in Malaysian Ringgit and confirmed in writing before any work begins.
Entitlement Review
RM 290
per matter
- Records and statements review
- Plain-language written summary
- Next steps outlined
- Follow-up call included
Dispute Representation
RM 640
per matter
- Everything in Review
- Formal authority correspondence
- Appeal documentation
- Progress updates throughout
Protection Package
RM 1,100
per matter
- Everything in Representation
- Ongoing advisory support
- Multi-stage complex matters
- Dedicated solicitor throughout
Next Step
We Are Ready to Begin When You Are
Send us a brief note about your situation and we will respond within one business day to discuss which service applies.
Get in Touch