Your pension entitlement, examined with care

Most clients are either approaching retirement and want to understand whether their pension has been correctly calculated, or have already received a payment and noticed a discrepancy with what they expected. Family members assisting an elderly relative are also common enquirers.

If you have them readily available, the most useful documents are your EPF or scheme statements, any letters from the pension administrator, employment records showing your service history, and a copy of any nomination forms you have submitted. We can advise on what to request if some documents are not to hand.

A typical review takes two to three weeks from receipt of the relevant documents. More complex cases — those involving extended employment histories or multiple scheme memberships — may take longer. We provide a realistic timeframe at the outset.

A written summary is prepared setting out the observations and the options available. The client then decides whether to raise the matter with the scheme administrator themselves, to engage us for formal correspondence, or to take no further step at that time. The decision rests entirely with the client.

Yes. We work with clients in relation to EPF matters, private sector occupational schemes, and civil service pension arrangements. The applicable rules differ between schemes, and our review examines the specific scheme documentation rather than applying a general template.

Telephone enquiries are welcome. We find it useful to have a brief conversation first to understand the nature of the matter before suggesting which service would be appropriate. There is no charge for this initial discussion and no obligation to proceed.