What clients have found, in their own words, after working with Pensarae.

The Situation

A client who had worked for eighteen years in the private sector approached us after discovering, at the point of approaching retirement, that several years of EPF contributions appeared not to have been recorded. The discrepancy was significant in value but the client had no documentation of the period in question beyond memory.

The Approach

The review identified the relevant period and requested payroll and remittance documentation from the former employer. Where gaps remained, we worked with the client to reconstruct the contribution record from available salary documents. The review resulted in a written summary setting out the probable entitlement position and the options available.

The Outcome

The client proceeded to a formal dispute engagement following the review. The matter was resolved through written submissions to EPF. The full contribution amount for the missing period, plus adjustment, was credited to the account within four months of the initial submissions. The client chose not to seek further legal costs recovery.

Duration: 5 months total

The Situation

A client in her forties contacted us on behalf of her father, a retired federal civil servant, whose pension had been suspended following an administrative finding that an overpayment had occurred during a period of re-employment. The father was in his late seventies and found the correspondence from the pension authority difficult to navigate.

The Approach

The engagement began with a careful reading of the pension authority's correspondence and the re-employment records. The advisory work identified that the overpayment figure cited by the authority did not account for the applicable abatement rules correctly. A written advisory was prepared that the daughter could read with her father and use as the basis for a formal response.

The Outcome

The family submitted a formal response using the advisory as their basis. The pension authority revised the overpayment figure downward by approximately 40 per cent and agreed to a structured repayment arrangement rather than further suspension. The father's pension was restored during the repayment period.

Duration: 3.5 months

The Situation

A client employed in the healthcare sector presented with a contribution record that showed a gap of eight months during which, he asserted, contributions had been deducted from his salary but never remitted by his employer. The employer had since gone into voluntary winding up, which complicated the recovery path.

The Approach

The representation required engagement with the EPF's employer enforcement process rather than a conventional dispute channel, given the employer's winding up. Submissions were structured around the salary deduction evidence available and the statutory obligation that survived the employer's dissolution. The client was kept informed of the procedural limitations involved.

The Outcome

Partial recovery was achieved through the employer enforcement process. The client was clear from the outset that full recovery in a winding-up context was not certain, and this was reflected in the written summary at the engagement's conclusion. The recovered amount represented approximately 65 per cent of the outstanding contributions.

Duration: 7 months