Service · Two
STR, e-Tunai, MySalam and JKM — audited, claimed and queued through official channels.
Half the people who walk through our door qualify for at least one benefit they didn't know existed. The other half are owed a year or two of payments that quietly fell through the cracks. We work through every line slowly.
The schemes we work with most
Six allowances and grants that catch over-55s out
- Sumbangan Tunai Rahmah (STR) — household, single-adult and senior-citizen bands; eligibility checks, appeal letters, and gap-year backpayments.
- e-Tunai Rakyat & eMadani — credits that expired in your wallet because the SMS landed in the spam folder.
- MySalam co-payment — the B40 critical illness scheme: trial period claims, hospital-bill reconciliations, and follow-up after a hospital admission.
- JKM hardship grants — bantuan warga emas, bantuan kanak-kanak, and one-off relief grants for widows and carers.
- LHDN tax refunds — five-year refund lookback for retirees whose chargeable income dropped after retirement but who continued to be PCB-deducted.
- PERKESO survivor benefits — for widows of contributing employees, often left unclaimed because the family was not told it existed.
How a benefit audit works
Three sessions, six weeks, one consolidated outcome.
We treat all six schemes as a single audit, not separate cases. That is how we find money in places clients had never thought to look.
Session one · The kitchen-table inventory
An hour and a half, with the kettle on. We go through the last five years of household composition, employment, hospital admissions, and family events. Half of every appeal is built from this single conversation.
Session two · The agency walk-through
Where in-person attendance is required — LHDN refunds beyond three years, JKM disability allowance applications — we accompany you to the counter. No advisor sends a senior client to queue alone.
Session three · The outcome and the file
A one-page summary of every claim made, every outcome, every appeal still pending. You keep the original and the family member you've named gets a copy by secure email.
A flat RM 380 per agency successfully claimed, plus actual postage and notarisation cost (typically under RM 40). Nothing is charged for unsuccessful appeals or for advice that ends in "you don't qualify".
What clients tend to ask first
In most cases, no. Means-tested schemes (STR, JKM) and entitlement schemes (PERKESO, LHDN refunds) sit on different ledgers. We will flag the small handful of interactions that genuinely matter — for example, claiming a JKM grant may affect Bantuan Warga Emas eligibility — before any submission goes in.
Yes. STR appeals can be made for the current and previous payment cycles, with supporting documents. We have helped clients recover backpayments going as far as 18 months. The most common cause is an outdated household-composition record at LHDN.
For routine refund claims under three years old, no — the entire process runs through MyTax. For older claims that require physical verification, yes, but a senior advisor will accompany you.
Most schemes are open to Malaysian citizens regardless of place of birth. Permanent residents qualify for some but not all. We will tell you on the first call which schemes apply to your status.
Shall we look at the last five years together?
A complimentary discovery call is enough to know whether an audit is worth your time.
Book the discovery call