Lentera
Pencen
Client satisfaction

What clients say

The best account of our work comes from those who have been through it.

These accounts are drawn from clients who engaged Lentera Pencen for pension consultations, appeals, and settlement documents. We share them as they were given — without embellishment.

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Client Accounts

From people who have sat across the desk from us

AH

Abdul Halim Othman

Retiree, Johor Bahru · March 2025

I came in not knowing whether my pension reduction was an error or something I simply had to accept. The lawyer spent a long time with me going through the notice. She did not rush to a conclusion. In the end it turned out the calculation had an error in my years of service — and they wrote to correct it. The whole thing took about three months, and they kept me informed throughout.

LC

Lim Cheng Huat

Former civil servant · February 2025

What I appreciated most was that they told me at the beginning what my appeal was likely to achieve and what it could not. I have been to lawyers before who promise a lot and deliver little. Here, they were careful from the start. The appeal did not fully succeed — the reduction was partly within the authority's discretion — but the part that was an error was corrected, and I understood exactly why the rest stood.

SR

Salmah Ramlan

Family settlement client · January 2025

I brought two of my children to the settlement sitting. The lawyer — Puan Siti Rohani — was patient with our family discussion, which took longer than I expected. There were things we had not talked about openly before, and the meeting allowed them to surface naturally. The hibah letter was explained clearly. I left feeling that the matter had been done properly.

TN

Tan Mei Nee

Consultation client · March 2025

I was not sure if I had an actual legal problem or just a concern I needed to think through. The consultation was exactly right for that. The lawyer explained what the KWSP rules say about my situation and gave me a clear sense of what my options were. I did not end up engaging them further because, in the end, no further action was needed — and they seemed perfectly content with that outcome.

MA

Mohd Azizul Harun

Appeal client · April 2025

My pension was suspended following a restructuring exercise at my former employer. I had received one letter and then silence. Lentera Pencen wrote a formal request for an explanation and followed up consistently. The suspension was eventually reversed. The process took longer than I hoped, but the firm never left me wondering what was happening.

NF

Norzaharah Fadzillah

Settlement drafting client · February 2025

I needed to update my EPF nomination following my husband's passing, and to discuss what would happen with my government pension should I pass before my children finish their studies. The sitting was gentle and thorough. My daughter accompanied me and was included in the discussion. The documents were ready within two weeks and were explained in full before I signed.

In Practice

Three matters, described candidly

Case Study · Pension Appeal

The Situation

A retired civil servant in his late sixties received a letter informing him that his pension had been reduced by RM 280 per month, citing a correction to his pensionable years of service. No detailed calculation was provided.

What We Did

After a consultation, the firm submitted a formal request for the underlying service record calculation. The response revealed that two years of service had been excluded in error due to a departmental transfer that was not properly recorded.

The Outcome

The calculation was corrected. The client's original pension was restored, and he received a letter of confirmation within nine weeks of the formal appeal being submitted.

Case Study · Family Settlement

The Situation

A widow in her early seventies wanted to ensure that her EPF savings and small pension would pass clearly to her three adult children, two of whom lived outside Johor. Her existing EPF nomination was twenty years old and named her late husband.

What We Did

The firm prepared a revised EPF nomination, a straightforward will addressing the pension asset, and a hibah arrangement for a portion of her savings that she wished to transfer while still living. Two sittings were held over three weeks to allow the family discussions to develop at their own pace.

The Outcome

All documents were executed in the third sitting after the client felt fully satisfied with their content. Copies were provided to each family member present, and the firm retained a secure archive copy.

Case Study · Consultation

The Situation

A private sector retiree in her late fifties had received contradictory information about whether her husband's EPF savings would automatically pass to her on his death, or whether distribution rules would apply. She came to clarify this before making any decisions.

What We Did

The single consultation covered the EPF distribution framework under Malaysian law, the role and limitations of the existing nomination, and the options available to both her and her husband to formalize their intentions while both were still living.

The Outcome

The client left with a clear understanding of the law and a written summary of the session. She and her husband chose to return six weeks later to proceed with settlement drafting.

At a Glance

Some numbers from fifteen years of practice

800+

Clients over 15 years

4.8

Average satisfaction score

3

Qualified pension lawyers

JB

Physically present since 2009

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We are reachable during office hours

+60 7-3845 2967

Monday–Friday 9am–5:30pm · Saturday 9am–1pm

[email protected]

We respond within one working day

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Every account above began with someone contacting us to find out where they stood. That step is open to you now.

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