Wibawaq
Wibawa pension legal services

Our Services

Three Services, One Focused Practice

Each service begins with careful listening and produces a clear written output. The client decides at each stage what, if anything, should follow.

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Our Approach

How Every Matter Is Handled

Every matter at Wibawa begins with a conversation — not an intake form or a checklist. The lawyer listens first, because the specific circumstances of each client's situation shape how the relevant frameworks apply. Two people with what appear to be identical situations may face quite different entitlement positions depending on details that only emerge through careful discussion.

From that conversation, the lawyer identifies the documents needed, reviews them against the applicable scheme rules, and produces a written account of the client's position. That written account is the core output of the initial service — something the client can keep, share with family, or simply read at home without a lawyer present.

Listen first

Every engagement begins with understanding your situation before any advice is offered

Review the record

Documents are gathered and assessed against the applicable Malaysian scheme rules

Write clearly

The written summary is prepared in plain English — readable without legal expertise

Client's choice

You decide at each stage whether and how to proceed. Nothing advances without your agreement

Pension entitlement review
Service 01

Pension Entitlement Review

RM 1,650

A measured initial review of a client's pension entitlement under Malaysian retirement frameworks, including statutory contributions, employer schemes, and survivor provisions where relevant. The lawyer first listens to the client's circumstances, then prepares a written summary of the entitlements likely to apply, the supporting documents needed, and the steps that would follow. The aim is clarity at this stage, not commitment to onward work; the client may take the summary away and decide at their own pace.

  • Written summary of applicable entitlements and scheme rules
  • Document checklist identifying what is needed and why
  • Overview of the steps that would follow if the client chooses to proceed
  • No obligation to engage further once the summary is delivered

Process Steps

  1. 01 Initial conversation — listening to your situation
  2. 02 Lawyer identifies applicable frameworks and documents required
  3. 03 Written summary prepared (typically 5–10 working days)
  4. 04 Summary delivered — client decides next steps at own pace
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Service 02

Pension Adjustment & Recalculation Assistance

RM 1,950

Assistance for clients who believe a pension figure has been calculated incorrectly or has not kept pace with adjustments they were entitled to. The lawyer will gather supporting records, prepare a written explanation of the discrepancy, and engage with the relevant administrator on the client's behalf. Where matters can be resolved through correspondence, that route is preferred over litigation; where escalation is necessary, the lawyer will explain the realistic options before any step is taken.

  • Gathering and reviewing contribution records and scheme documentation
  • Written explanation of any identified discrepancy
  • Direct correspondence with the pension administrator on client's behalf
  • Escalation options explained clearly before any further step is taken

Process Steps

  1. 01 Review of the existing pension figure and relevant records
  2. 02 Identification of any discrepancy and its basis
  3. 03 Written representation prepared and submitted to administrator
  4. 04 Monitoring of administrator response and follow-up as needed
  5. 05 Escalation options considered only if correspondence does not resolve the matter
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Pension recalculation assistance
Survivor and dependant pension support
Service 03

Survivor & Dependant Pension Support

RM 580

Considered guidance for spouses, children, and other dependants navigating a pension claim after the loss of a contributor. Includes a careful review of eligibility, documentation, and timelines, with sensitivity to the family's emotional load during this period. The lawyer will set out the steps clearly and at a pace that matches the family's readiness, and will liaise with administrators directly where the family prefers not to handle correspondence themselves.

  • Review of eligibility under applicable survivor provisions
  • Documentation checklist and timeline clarification
  • Direct administrator liaison — family need not manage correspondence
  • Process paced to match the family's readiness

Process Steps

  1. 01 Initial conversation at a pace that suits the family
  2. 02 Eligibility review under the applicable scheme's survivor provisions
  3. 03 Document gathering with the lawyer's guidance
  4. 04 Administrator liaison and claim submission handled by the lawyer
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Service Comparison

Which Service Is Right for You?

The three services are designed to address distinct situations. If you are unsure which applies, the initial conversation will clarify this — there is no charge for that first discussion.

Your Situation Entitlement Review
RM 1,650
Recalculation
RM 1,950
Survivor Support
RM 580
I'm unsure what pension I'm owed
My pension figure seems incorrect
I'm a family member after a bereavement
I want to understand my options before acting
I need someone to liaise with the administrator
I want a written record of my position

Best for: Entitlement Review — those wanting to understand their position · Recalculation — those with a specific figure in dispute · Survivor Support — families navigating a claim after bereavement

Across All Services

Standards Applied to Every Engagement

Confidentiality

Legal professional privilege applies to all communications. Client information is not shared without specific instruction.

Written Engagement

Every matter begins with a written engagement letter confirming scope, fee, and basis of the work before it proceeds.

Bar Compliance

All practitioners hold current Malaysian Bar membership and practice in compliance with the Legal Profession Act 1976.

Fixed Fee Only

The stated fee is the full fee. No additional charges arise that were not agreed to in writing at the outset.

Lawyer-Led Handling

The lawyer who takes your initial call is the lawyer who handles your matter throughout. No handoffs to junior staff without notice.

Client-Paced Process

No step in any engagement proceeds without the client's knowledge and agreement. Decisions are yours to make at your own pace.

Pricing

Service Fees at a Glance

Entitlement Review

RM 1,650

  • Listening session
  • Written entitlement summary
  • Document checklist
  • No obligation to proceed
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Recalculation Assistance

RM 1,950

  • Records review and analysis
  • Discrepancy report
  • Administrator liaison
  • Escalation guidance if needed
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Survivor Support

RM 580

  • Eligibility review
  • Documentation guidance
  • Administrator liaison
  • Sensitive, family-paced process
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Not Sure Where to Begin?

The initial conversation carries no cost and no obligation. Tell us your situation and we will advise on which service, if any, is the appropriate starting point.

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