Accounts from People We Have Worked With

Challenge

A client aged 60 had submitted his EPF partial withdrawal application eight weeks before his retirement date. Six weeks later, with no update from EPF and the retirement date approaching, he came to us uncertain whether the funds would arrive in time to cover arrangements he had made.

How We Helped

We reviewed the submitted documents, identified a missing supporting form that EPF had not flagged in their correspondence, and resubmitted the complete application with a formal covering letter requesting expedited handling given the retirement timeline. We followed up directly with the relevant EPF branch twice.

Outcome

The funds were disbursed 7 weeks after we took on the matter — three days before the client's retirement date. He said the experience of having someone else handle the correspondence and keep him informed made the final weeks before retirement considerably less stressful.

Challenge

A couple in their late fifties, both EPF contributors, came to us after their estate lawyer flagged that their pension nominee forms and their wills were not aligned. Two different family members were named as EPF nominees and beneficiaries under the will — creating a potential conflict their children might have to resolve.

How We Helped

We conducted a full review of both sets of pension records, examined the nominee designations, and explained the difference between EPF nominee rights and estate law in plain terms. We then assisted with updated nominee declarations for both clients and produced a written summary coordinating their pension and estate positions.

Outcome

Both clients left with updated, consistent nominee documentation and a clear written record of their pension positions. They shared copies with their estate lawyer and their adult children. A scheduled review is planned for early 2026 to confirm nothing has changed in the relevant regulations.

Challenge

A retired civil servant noticed that his monthly pension payment was lower than what he had been advised at retirement. The difference was not large but was consistent over several months. Correspondence with the Public Service Department had not produced a satisfactory explanation.

How We Helped

We reviewed the pension computation letter from retirement alongside several months of payment records, and identified a clerical error in the pensionable service calculation. We submitted a formal complaint to the relevant department with supporting documentation and followed through across two rounds of correspondence.

Outcome

The computation error was acknowledged and corrected. The client's monthly pension was adjusted to the correct amount and a partial back-payment covering the underpaid months was issued. He has since received the corrected amount consistently each month.