Effective August 2012, a change of bank account for pensioners / pension recipients is allowed only once a year. Each application must be enclosed with  a Bank Account Change Request letter, which can be downloaded from http://www.jpapencen.gov.my/penukaran_akaun.html

Once complete, the letter can be mailed to the address listed below:

Retirement Fund (KWAP)
Skytech Tower 2, Jalan Teknokrat 2,
Cyberjaya, 63000 Cyberjaya,
Selangor, Malaysia

• Scheme A
• • Monthly automatic payment into a private bank account, either a savings or a current account.
  • Pensioners have spouses who marry while they are still in service (i.e., a spouse who is eligible for a derivative pension after the pensioner’s death)
    
    
• Scheme B
• • Monthly payments to pensioners or pension recipients are made by crediting their bank accounts. However, before the pension money is credited to the account, the recipient must sign the pension claim form at any selected bank branch.
  • Single pensioners/ pension recipents (single/widower/widow) and NO ONE else will receive the pension derivative after the death of the pensioners/pension recipents.
  • Pensioners who are infirm, disabled or children under the age of 12.
  • For retirees/pension recipients who are unable to attend the bank every month, a Personal Representative can be appointed by using the JPA.BP.SKP.B07: Appointment of Personal Representative For Pensioner or Pension Recipient Form and JPA.BP.SPT.B06: Bank Account Information Of Pension Recipient Form (allowed to use individual or joint accounts).
    
    
• Delegated Scheme A (with an application)
• • Pensioners/ pension recipents (single/widower/widow) and NO ONE else will receive the pension derivative after the death of the pensioners/pension recipents.
  • Pensioners/pension recipients can change their pension payment method from Scheme B to Delegated Scheme A (Automatic Crediting to the Bank) if a Personal Representative is appointed using the JPA.BP.SKP.B08: Application For Scheme A Representative Appointment form (only individual accounts are allowed).

If the pension payment under Scheme B is not claimed within three months, the payment will expire and the pension payment for the following month will cease. Pensioners must report to KWAP to reactivate their accounts and resume receiving pension payments.

It is possible if the appointment of a personal representative is approved by the Pension Division. The appointment of the personal representative is given to pensioners who are infirm and have a joint account. The representative must be the joint account holder of the pensioner/pension recipient.

Applications can be submitted by completing the JPA.BP.SKP.B08 – Application For Scheme A Representative Appointment form and attaching a copy of the appointed representative’s MyKad.

Applications can be made by completing the Funeral Arrangement Assistance form

http://www.jpapencen.gov.my/borang/bmj/Borang_BMJ-BM-2022.pdf   

1. Bank Muamalat (M) Berhad
2. Malayan Banking Berhad (Maybank)
3. Bank Simpanan Nasional
4. Affin Bank Berhad
5. CIMB Bank Berhad
6. Bank Islam Malaysia Berhad
7. Public Bank Berhad
8. Alliance Bank Berhad
9. RHB Bank Berhad
10. HSBC Bank Malaysia Berhad
11. Bank Kerjasama Rakyat (Malaysia) Berhad
12. Hong Leong Bank Berhad
13. Agro Bank Berhad

Yes. Please complete the Scheme A representative appointment form, which can be downloaded at www.jpapencen.gov.my

Ex-Gratia Payment Upon Death is the Government's grant to dependents of public servants who pass away while they are still in service.

To assist dependents of public servants who passed away within a period of not more than 240 months of service.

Public Servants, whether temporary or permanent, who opt for the Pension Scheme or the Employees Provident Fund Scheme (EPF). These Public Servants include Federal Public Service, State Service, Statutory Authorities and Local Authorities.

The Ex-Gratia Payment Upon Death will be given to eligible widows/widowers/children/mothers/fathers. However, this Ex-Gratia Payment Upon Death is not granted in cases of confirmed death due to suicide.

The amount of Ex-Gratia Payment Upon Death is based on the service duration that can be calculated as follows:

Ex-Gratia Payment Upon Death is a lump sum payment made to eligible heirs.

No. The Ex-Gratia Payment Upon Death is an addition to existing retirement benefits.

The Ex-Gratia Payment Upon Death for public officers who opted for the pension scheme will be processed simultaneously with the application for derivative pension benefits. For public officers who opted for the EPF Scheme, an application should be submitted by the Head of Department to the Pension Division of Public Service Department. The application procedure and relevant form are detailed in SECTION PP.1.2.8 Lump Sum of Ex-Gratia Payment upon Death to Eligible Heirs of Members Who Died during the Service Terms.

The GCR cash award is cash given to Public Service Members who do not have the chance to spend their annual leaves for the service’s sake, and is given to them upon retirement.

The early grant of the GCR cash award is an initiative that allows an officer to convert the amount of GCR accumulated while in service into cash, subject to specified conditions.

1/30 x (substantive pay + *fixed allowance) x 90 days

1. Fixed Premier Post Allowance
2. Fixed Entertainment Allowance
3. Fixed Public Service Allowance
4. Fixed Housing Allowance

Conditions that need to be complied with before applying for the early grant of the 90-day cash award are:

1. The period of service that can be taken into account shall not be less than 15 years, subject to Regulations 5, 6 and 7, Pension Regulations of 1980;
2. Has reached the age of 45 years, as specified in Service Circular Number 13 Year of 2002: Document of Public Servant’s Date of Birth;
3. The amount of accumulated annual leave before redemption must be at least 90 days;
4. Free of any criminal proceedings or disciplinary action;
5. Obtain a recommendation from the Head of Department;
6. The early grant of the GCR cash award can only be made ONCE throughout the service.

Yes. If you meet the requirements listed above.

No. The early grant of the GCR cash award can only be granted ONCE throughout the service.

No. The amount of the early grant of the GCR award is only set for 90 days.

No. The GCR payment upon retirement is based on the remaining amount of annual leave accumulated, which is limited to a total of 180 days as stated in Section PP.1.3.1: Cash Award in Lieu of Leave (GCR) Grant.

The application for the early grant of the GCR cash award must be submitted to the Pension Division, Public Service Department (PSD) through the Head of Department.

The application procedure for the early grant of GCR cash award is explained in Section PP.1.3.4: Cash Award in Lieu of Leave Grant.

Yes. The procedure for applying for GCR permission to be used as annual leave during the retirement year is explained in Section PP.1.3.3: Permission to Replace Exceeding 180 Days of Vacation Leave Used as Vacation Leave during the Retirement Year.

Yes, subject to the consideration of the Head of Department to impose/ prescribe additional conditions.

Yes. Officers who opt for the EPF Scheme are also eligible to make early redemption of the GCR cash award if the prescribed conditions have been met.

Note:

The calculation of GCR for officers who opt for the EPF Scheme started on 1 November 2004.

Head of Department shall —

1. Ensure the accumulation of GCR made throughout the service period is correct and orderly as required by the section currently in force;
2. Ensure evidence of GCR accumulation is recorded and verified (signature and date of verification) in the officer's leave statement book;
3. Ensure that the GCR accumulated should be at least 90 days;
4. Record the approval of early redemption of the GCR cash award in the Government Service Book (BPK) of the officer as follows:
5. “The officer has been approved for the early grant of the GCR cash award on …………………………… [specify the date of approval by the Public Service Department of Malaysia (JPA)] in the amount of RM ……………….”.;
6. Using the GCR Calculation System application that can be downloaded from the portal at www.jpapencen.gov.my for the purpose of accurate GCR calculation at the end of the service; and
7. Submit an application for early grant together with certified copies of the BPK the Leave Statement to the Pension Division, PSD.

Yes. Ministry/Department shall notify the Pension Division, PSD, if it is discovered that the officer does not meet the conditions that have been set/is subject to criminal proceedings or disciplinary action after obtaining approval from the Pension Division, PSD. The Pension Division, PSD, will cancel the previously granted approval and notify the Ministry/Department of the cancellation.

No. The early grant of the GCR cash award received is subject to income tax for the current year's income under the Income Tax Act currently in force.

The implementation of the early grant of GCR cash awards is subject to the acceptance of Section PP.1.3.4 by the respective Authority.

The Head of the Department of the relevant Authority that adopts Section PP.1.3.4 shall consider the application and pay the early grant of the GCR cash award to the respective officer.

For officers appointed by the State Public Service, Statutory Authority and Local Authority, the approval and early grant of this cash award will be carried out by the State Public Service, Statutory Authority and Local Authority respectively.

For federally appointed officers posted to the State Agency/Department, approval will be managed by the Pension Division, PSD, while payments will be managed by the State Agency/Department using provisions from the Malaysian Ministry of Finance.