What clients have found helpful about working with us.
These are accounts from people who came to us with pension questions or disputes, and what their experience was. We share them as honestly as we can.
Back to HomeClient Accounts
I came in not really sure what my EPF entitlements were after early retirement. The written summary they gave me after the consultation was something I actually kept and referred to months later. The session itself was calm — no rush, no pressure to do anything.
My EPF age-55 withdrawal had been delayed for nearly four months. After trying to sort it out on my own, I contacted Kukuh Law. They took over the correspondence and it was resolved about six weeks later. The process took a bit longer than I hoped, but they were straightforward about why.
After my husband passed, I needed someone to help me understand what pension benefits I was entitled to as his dependent. The team was patient. They went through the documents slowly and made sure I understood before moving on. The glossary in the summary was genuinely useful.
I had a complicated situation involving a civil service pension and an EPF account from a previous private sector job. The team handled both threads without getting confused about which was which, which I appreciated. They kept the two matters separate and clear throughout.
I was initially worried the consultation fee meant I would be pushed to sign up for more. That did not happen. They completed the session, gave me the summary, and that was it. I later contacted them again when I needed representation — that was my own choice.
I spoke with two other firms before Kukuh Law. The difference was that here, someone actually read the documents I brought. The advice I received was specific to my situation rather than general. The written summary helped me when I had to follow up with KWAP directly two months later.
Case Summaries
Three matters we have handled, described in general terms. Names and identifying details have been changed.
Delayed EPF Partial Withdrawal Following Medical Claim
The Situation
A retired civil servant had applied for a partial EPF withdrawal for a medical purpose. After four months with no payment and no clear explanation from the branch, he sought legal assistance.
What We Did
We reviewed the application file, identified a documentation gap that had caused a processing halt, and submitted a formal written representation to the relevant EPF office, including the corrected supporting documents.
Outcome
Payment was processed and released within five weeks of our representation. The client received the full amount applied for. Total duration from our engagement to resolution: seven weeks.
"They found the problem quickly and handled everything from there. I did not have to deal with the EPF office again after our first meeting."
Pension Entitlement Review Following Voluntary Separation
The Situation
A government-linked company employee had taken a voluntary separation scheme and was uncertain whether she was entitled to her full pension benefit or only a reduced portion based on years of service.
What We Did
We reviewed her service records, the VSS agreement terms, and the applicable pension regulations. We prepared a written summary setting out her entitlement position clearly, with reference to the relevant provisions.
Outcome
She was able to use the summary to engage her former employer's HR team directly and received confirmation of her full entitlement. No representation was required — the consultation was sufficient.
"Having something in writing made all the difference when I sat down with HR. I knew exactly what I was entitled to and why."
Multi-Stage Pension Dispute Across Two Schemes
The Situation
A retiree had contributions across both a civil service pension and a private EPF account from earlier employment. There were discrepancies in the civil service calculation and an unresolved appeal with the Public Service Department.
What We Did
We managed both tracks simultaneously — corresponding with the Public Service Department on the civil service calculation error while separately liaising with EPF on the private account. Progress on each was reported separately to avoid confusion.
Outcome
The civil service calculation was corrected with a small retroactive adjustment. The EPF matter was resolved in full. Total duration: approximately four months. The client remained informed throughout without having to manage either correspondence stream directly.
"I had been trying to sort both things out for over a year on my own. Having one person who knew both files was a relief."
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By the Numbers
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