Three Services,
Each with a Clear Purpose
Each Teguh service is designed for a specific stage of the retirement entitlement journey — from first understanding your position, to correcting errors, to protecting your family's arrangements.
Back to HomeHow We Structure Each Engagement
Every matter at Teguh follows a similar pattern: we begin by reading carefully, then explaining clearly, then acting methodically. Nothing is rushed past you, and nothing is done without you understanding what it means.
We keep written records throughout. At the end of each engagement, you hold a complete, organised set of documents relevant to your situation. Not a folder of photocopies — a structured record you can use and refer back to.
Review: We read your documents carefully before drawing any conclusions.
Explain: We sit down with you and describe what we've found in plain terms.
Act: Where action is needed, we proceed methodically and keep you informed.
Deliver: You receive a complete written record of the engagement and its outcome.
Retirement Entitlement Health Check
A friendly first step for those nearing retirement who want to understand their position. We review EPF (KWSP) statements and pension records, then explain in plain words what your entitlements look like. Includes a written overview and a relaxed consultation to answer questions. The aim is clarity and peace of mind, with the choice of how to proceed left entirely to you.
This service suits people who are five to ten years from retirement age, recently retired and wanting to confirm their entitlements are correct, or simply uncertain about what they've accumulated and what it means.
What's included:
- Review of EPF (KWSP) statement and contribution history
- Review of any available pension determination or projection documents
- Written overview of entitlements in plain language
- One-to-one consultation (in person or by phone/video)
- Q&A — all questions answered before we close
Process Steps
You share your EPF statement and any pension documents with us (in person or securely by email).
We review the materials carefully and prepare a written summary of what we find.
We meet (or speak by phone) to walk through the summary together and answer questions.
You keep the written overview — the next steps, if any, are entirely your decision.
Process Steps
We review the original determination and any related documentation to assess the basis for an appeal.
We explain what we find and confirm whether an appeal appears well-founded — honestly, either way.
We prepare the appeal letter and assemble supporting documentation for submission.
We submit and correspond with the administering body, keeping you updated at each stage.
Pension Decision Appeal Support
Measured assistance for retirees who believe a pension or withdrawal decision was made in error. Scope covers reviewing the determination, preparing a considered appeal, assembling documentation, and corresponding with the administering body on your behalf. We keep matters calm and well-organised, updating you in clear terms throughout.
This service is suited to people who have received a pension determination they question, been told their qualifying service period or benefit amount is lower than expected, or had a withdrawal application declined or restricted in a way that doesn't seem right.
What's included:
- Review and analysis of the original determination
- Assessment of appeal grounds and likelihood
- Drafting of appeal letter and supporting materials
- Correspondence with EPF, KWAP, or relevant authority
- Regular, plain-language updates on progress
Family Pension Continuity Service
A thorough engagement for households who wish to secure survivor and dependant pension arrangements well in advance. Suited to those with both public-scheme and private retirement provisions. Includes full documentation of derivative pension entitlements, guidance for dependants, and a consolidated record prepared with care for your family's future reference.
This service is particularly suited to households where one or both spouses hold pensionable government positions, families with young dependants who would be affected by a member's passing, and people approaching retirement who want these matters resolved before they're needed.
What's included:
- Review of public and private retirement scheme entitlements
- Documentation of derivative pension entitlements for spouse and dependants
- Guidance notes prepared specifically for family members
- Consolidated family record covering all relevant provisions
- Consultation with household members as needed
Process Steps
We gather an overview of all retirement provisions across both public and private schemes.
We identify the survivor and dependant entitlements under each scheme and document them clearly.
We prepare a consolidated family record and guidance notes written for non-specialist readers.
We present and explain the record with the household — and answer any questions that arise.
Comparing Our Three Services
If you're unsure which service applies to your situation, this table may help — or you're welcome to call us and ask.
| Feature / Situation | Health Check RM 600 |
Appeal Support RM 1,240 |
Family Continuity RM 1,900 |
|---|---|---|---|
| You want to understand your entitlements | |||
| You received a determination you question | |||
| You want to protect your family's provisions | |||
| EPF statement review | |||
| Written summary delivered | |||
| Correspondence with administering body | |||
| Consolidated household record |
Best for
Health Check
People approaching or recently entering retirement who want a clear picture of where they stand.
Most Requested
Appeal Support
Retirees who have received a pension or withdrawal decision they believe may be incorrect.
Best for
Family Continuity
Households who want survivor and dependant provisions clearly documented while there is time to do it well.
Shared Standards and Protocols
Confidential Handling
All documents you share are handled in line with professional confidentiality obligations. Data is stored securely and not shared with third parties without your agreement.
Malaysian Legal Compliance
All advice reflects current Malaysian pension and employment legislation. We follow Malaysian Bar Council professional standards across every matter.
Written Deliverables
Every engagement concludes with a written document you retain — not just verbal advice. This is standard across all three services without exception.
Realistic Timelines
We tell you upfront how long a matter typically takes. Health checks usually complete within one to two weeks. Appeal timelines depend on the administering body and are explained clearly.
No Obligation After Review
If we review your matter and find nothing requires attention, we say so plainly. There is no incentive for us to manufacture work where none is needed.
Follow-Up Welcome
Questions that arise after an engagement are welcome. We don't close a matter and walk away. You can return with follow-up points or changed circumstances.
Clear Fees for Each Service
Every fee is stated in advance and covers the full scope of the service. No hourly billing, no hidden additions.
Health Check
one-time engagement
- EPF & pension record review
- Written entitlement overview
- One consultation included
- No obligation to proceed
Appeal Support
one-time engagement
- Determination review
- Appeal preparation & filing
- Correspondence management
- Regular progress updates
Family Continuity
one-time engagement
- Full entitlement documentation
- Dependant guidance notes
- Consolidated family record
- Household consultation
Not Sure Where to Start?
That's quite all right. A short conversation with our team is often the clearest way to work out which service fits your situation — or whether you simply have questions you'd like answered first.
Get in Touch