1

Pensioners Hand Book

2010

Guidelines for

CENTRAL GOVERNMENT

RETIRING OFFICIALS AND PENSIONERS (Including

Rly.)

Dedicated to Unsung Heroes who laid their lives

serving the Country

Compiled & Edited by S.C.Maheshwari

Former DEN C. Rly,

Secretary (Rly)

Bharat Pensioners Samaj

General Secretary

RREWA Gurgaon

2

FOREWORD

Pensioners, even highly educated ones, suffer lot of hardship in getting fair deal at the hands of administration, more out of ignorance than indifference on the part of the latter. I have come across a case of a pensioner, retired at the level of Chief Engineer in a department of Union Government, whose pension was not fixed properly even at the time of the Fifth Pay Commission and its effect compounded now after the Sixth Pay Commission. There are innumerable cases of retirees who suffer untold misery particularly in the advanced age and poor health, in securing even small facilities they are eminently entitled to and have to run from pillar to post for the same. Retired Railway Employees Welfare Association (RREWA) has been rendering yeoman’s service in creating awareness amongst pensioners, not only from Railways but also from all the departments of Government, and interceding on their behalf with Department of Pension and Pensioners’ Welfare and other Ministries of the Union Government. The Association, under the able stewardship of Shri S C Maheshwari, has succeeded in securing relief to the pensioners in a number of areas in an effort to improve their lot. An attempt has been made in the present venture to bring together a large number of issues relevant to the retirement and the retired life. The Hand Book, very rightly, draws attention to the need for taking action well before the retirement to ensure not only trouble free transition from life during active service to peaceful retired existence but also to provide for an unfortunate situation of death in harness. Overview of the retirement benefits is quite comprehensive. Detailed coverage of the problems that can be encountered in the eventuality of the demise of the pensioner and advance planning for the situation can not be over emphasised. Coverage on End of Life Issues and a comprehensive note on the significance of will is very useful. P C Sharma IRTS (Retd) Former Adviser Safety, Railway Board.

3

INTRODUCTION

The Hand Book for PENSIONERS/Family Pensioners which is first of the series, give the salient features of the pension policy governing pre 01.1.2004 employees of the Central Government and attempts to highlight the basic rules, the procedures and regulations governing the sanctioning and disbursement of pension and retirement benefits, in the process all relevant aspects central to pension policy like qualifying service, record of service and operational aspects relating to processing of pension papers, nominations to be made have also been highlighted. This Pensioners/Family Pensioners guide also contains other relevant information on health, banking procedures, etc. that are relevant for pensioners. While the Handbook gives a genera! Overview on matters relating to pension, government servants and pensioners/Family Pensioners are advised to consult the original rules/orders if necessity arises, for more specific information. Pl. Visit the websites www.rrewa.org. & http://pensionersportal.gov.in/

The Handbook is being published for wider dissemination of information to bring about better awareness on pensionary & old age related matters. By giving a wide coverage, this Handbook& the referred web sites, it is felt will serve the needs of retiring officials, pensioners/Family pensioners in understanding the broad pension policy of the Central Government in case of pre 1.1.2004 entrants.

Before bringing out the Handbook, to facilitate easy access publishers have made available at website www.rrewa.org all the relevant circulars and orders issued by the Department of Pension. Rly Board & other Govt. Agencies. Also the relevant rules and govt. policies on the subject are posted on to the website www.rrewa.org It will be our endeavor to keep the dissemination channel on the Internet online & up-to-date for the benefit of Associations of Pensioners, Pensioners/Family pensioners and serving employees of the Government /Sr Citizens. Suggestions for improvement of the Hand book are welcome.

S.C.Maheshwari

Former DEN. C.Rly

Secretary (Rly.) Bharat Pensioners Samaj

General Secretary, RREWA ,Gurgaon

4

Contents

Part I Basics for Retiring officials Page 5- 10 General; Retirement benefits ;Service records ;Qualifying Service, verification of Service; Nominations ;Will ;Occupation of Government accommodation, Point of Retirement ;Quantum of Retirement benefits ;Processing &finalizing pension paper; Provisional pension; Sanction of family Pension Part II Overview of Retirement benefits Page 10- 17 Entitlement and Quantity , Persons Eligible for Pension; When is pension given ;Classes of Pension ;Pension Constituents ;How Pensionary Benefits are worked out :-pension; Commutation of Pension ; Retirement Gratuity ;Dearness relief : Death Gratuity for family ; Family Pension ; Non Pensionary Retirement Benefits :-Provident Fund Account ; Central Government Employees Group Insurance scheme.; Travelling allowance etc ; Medical facilities for pensioners Part III Basics for Pensioners page 18- 26 Pension Disbursement :-Disbursement of pension by the Banks ;Disbursement of Pension to NRI pensioners ,Receipt of two pensions ;post retirement conviction/imprisonment :Know your PPO ,Post retirement changes in the Family ; Certificates required by a Bank from pensioners; Drawal of pension by infirm Pensioners ;Transfer of pension ; Restoration of commuted Portion of Pension ; Life time arrears ; Recovery of excess or wrong payment ; Issue of duplicate PPO ,Disbursement of Family pension, Procedure claiming Family Pension ; Certificates to be furnished by the family pensioner to the pension disbursing agency. Miscellaneous ; Grievance redressal. Annexure :- Page 27- 80 Annexure I ; Commutation Table : Annexure II :- Forms : Annexure III End of life issues ; Annexure IV : Will ; Annexure V : Healthy ageing ; VI CGHS : VII RELHS Bibliography Page 81-82

5

PART.I BASICS FOR

RETIRING OFFICIALS

SECTION 1 - GENERAL

1.1. You are a government employee and regularly interact with your office colleagues, the members of public in the discharge of your official duties. You have possibly served in different positions for over 30 years since the day you joined service. Time flies. Occasional farewell functions of your erstwhile colleagues sometimes do remind you of your own impending retirement but the thought of retirement vanishes as quickly as it comes.

1.2. In service, you had the unique opportunity to serve the country and the society. The service span spread over three decades or more looks infinite to begin with. Your office going becomes an addiction.-Time passes, and suddenly you realize that the day of retrospection and parting has arrived. The service was rewarding but also taxing. You are now entitled to a well-deserved peaceful and quiet retirement. To ensure that you are not caught unawares, and you and your family get all the retirement benefits in time, it is essential that you acquaint yourself and know in good time the basics of pensionery benefits and policy relating thereto. A careful perusal of this handbook will help you to achieve a smooth transition from the life of an active civil servant to a contented and informed pensioner.

SECTION 2 - WHAT YOU SHOULD KNOW ABOUT RETIREMENT

1.3. Retirement benefits for pre 01-01-04 entrants comprises:-

(a) Pension with an option to commute a lump sum amount of upto 40% of the monthly pension;

Or . . ,

Service gratuity in case total qualifying service is less than 10 years when no pension is admissible.

(b) Retirement or Death Gratuity if you have rendered a minimum of 5 years qualifying service.

(c) Family Pension for eligible spouse and children in the case of death of Government servant, while in service or after retirement. Dependent parents and siblings (i.e. Brother/sister) are also entitled to family pension when their turn comes

1.4. In addition, there are certain non-pensionary retirement benefits/payments, which include.

(a) General Provident Fund, accumulations inclusive of interest thereon.

(b) Encashment of earned leave to the credit of the retiring Government servant on the date of retirement subject to a maximum of 300 days.

(c) Accumulated amount in the Saving Fund segment together with the interest under the C.G.E.G.I.S.

(d) Insurance cover benefit under the Central Government Employees Group Insurance Scheme

6

(CGEGIS) to the family in the event of death of Government servant.

(e) Traveling Allowance to the pensioner and his family, at the scale applicable to him while in

service, for travel to the home place within India, as declared by him and entered in his service records,

for post-retirement settlement.{In addition to traveling allowance Rly Retirees are also entitled to KIT/Cattle wagon

passes/Transport allowance according to their status &date of appointment for shifting their belongings to the place

of settlement within India }

(f ) CGHS /RELHS/RCHS facilities or medical allowance,

1.5 The determination of your entitlement for service gratuity, pension and retirement/death gratuity is dependent inter-alia on the length of qualifying service. This information will be available in the Service Book/Service Record, being maintained by the administrative authorities for all employees on their rolls.

1.6. SERVICE RECORD

a) A service book starts as soon as you enter service and contains records of all prominent events such as appointment, confirmation, promotion, grant of increments, grant of leave etc., occurring in one's service career. The service book also contains entries relating to verification of service from time to time and the total length of service.

b) Rules require every Head of Office to show the service book to the respective employee every year. It is the duty of every Head of Office to initiate action to show the Service Books to the Government servants under his administrative control every year and to obtain their signature therein in token of their having inspected the Service Books.

c) It will not take much time for you to have a look at your service book once a year to ensure that all relevant entries have been properly recorded. This will save you a lot of bother at the end of your service. So please do insist on verifying your Service Book entries once a year and get deficiencies if any remedied immediately. A copy of the service book is also available on payment of a nominal fee. It is advisable that you obtain a certified copy of your service record at the time of retirement

1.7. QUALIFYING SERVICE

The rules governing computation of qualifying service for the employees retiring from the service in the civilian department are contained in Chapter III of the Central Civil Services (Pension) Rules, 1972 and the corresponding rules applicable to employees of Defence services and Railways. Service rendered in State Governments/Central or State autonomous organizations prior to joining the Central Government is also reckoned for computation of pensionary benefits under the Central Government in certain specified circumstances. In case you have any service of the nature mentioned above and the requisite conditions are satisfied, please ensure that suitable entries/mention has been made in your Service Book, well in time, i.e. when the events are fresh and records are easily available.

1.8. VERIFICATION OF SERVICE

Rule 32 of the Central Civil Service (Pension) Rules, 1972 requires Heads of Office to verify the service rendered by each Government servant under his administrative control and determine the qualifying service on completion of 25 years of service or 5 years before the date of his retirement, whichever is earlier, and communicate the same to him in the Form prescribed for this purpose. If you have reached this milestone and have not been told of your "qualifying service" please ask for it.

1.9. NOMINATIONS

7

(a) One may not like it, but it is essential and never too soon to make proper provision for one's money and

effects in the unforeseen eventuality of death. This will relieve one's dependents and dear ones of considerable amount of hardship and trouble.

(b) Nominations are allowed for enabling the nominee(s) to receive the following in the event of death:

(i) Provident Fund dues

(ii) Death Gratuity

(iii) Benefits under Central Government Employees Insurance scheme.

(iv) Life time arrears of pension/retirement gratuity and leave encashment.

(c) In the absence of a nomination, the family members may be subjected to considerable hardship and hassles in the process of obtaining a succession certificate to claim dues. This involves both time and money. Therefore, please file your nomination in the prescribed formats with your administrative authority. You are free to change your nominations whenever your priorities change.

(d) Nominations in the case of lifetime arrears of pension are to be filed before retirement with the Heads of office along with the application for pension. The pensioner can also file subsequent modifications to nominations with the respective pension disbursing authorities.

(e) In the case of pensioners drawing pension from Banks, the nomination referred to in the preceding paragraph will apply only to that amount which has not been drawn and credited to their respective Bank Accounts at the time of death. For the amounts already credited to the account, the normal banking laws and procedures govern the pensioners. Incidentally, bank regulations provide for nomination by the account holder in respect of the balance amount standing to his credit in the event of death. You may approach your designated bank and insist on making such a nomination in addition to the nomination filed with the Head of Office.

Note: Forms required are given in Annexure II

1.10. WILL

You will also have other moneys and effects for which a proper provision may be necessary. A proper 'Will' is the answer for this purpose. 'Will' ensures that intestate provisions do not apply. There are various ways in which a 'Will can be made. It is best to consult a lawyer who will provide you the guidance in this behalf. For details: refer to Annexure IV “will”

1.10 (a) What you should know to safe guard your & your family’s interest and What your Spouse & close relatives should know: - Please refer to Annexure III “End of the life issues”

1.10 (a ) How should you plan your post retirement?: Please refer to annexure V “Healthy ageing.

1.11. OCCUPATION OF GOVERNMENT ACCOMMODATION

(a) In case you are in occupation of Government accommodation, you should know that there is a regular system of issue of 'No Demand' Certificate annually by the Directorate of Estates/Personnel/Accounts Branch. Please ensure that this periodical 'No Demand' certificates is obtained by you.

(b) A reference is required to be made to the concerned Estate Manager/Personnel/Accounts branch by the Head of Office at least two years before the anticipated date of your retirement for updating the rent recovery

8

record. Please ensure that your Head of Office makes the reference to the Estate Manager/Personnel branch in this behalf when you reach this milestone.

1.12. POINT OF RETIREMENT:

You will retire from service on the last day of the month in which you attain the age of superannuation, which is presently 60 years. In the case of those, whose birthday falls on the first of a month, the date of retirement is the last day of the preceding month. You are however free to select your date of retirement in the following circumstances: -

(a) Voluntary retirement on completion of 20 years' or more of qualifying service

(b) Premature retirement on attaining the age of 50 years in case or Group 'A' and Group 'B' officers and 55 years in the case of Group 'C' and Group 'D' officials

1.13. QUANTUM OP RETIREMENT BENEFITS

A broad overview of the ret i rement benefits together with quantum, admissible to Central government employees is given in Par II of the Handbook. The write-up indicates normal entitlements under the Pension Rules. If any clarification or additional information is required in regard to any specific provision, you may like to consult appropriate rules and orders issued by the Government. Pensionery entitlements under special circumstances such as under Extraordinary Pension Rules have not been included in this Handbook.

SECTION 3 - PROCESSING/FINALISATIQN OF PENSION PAPERS

1.14. PROCESSING OF PENSION Papers

a) Your Head of Office processes pension claims. in the event of death of an employee in harness, the Head of Office is also responsible for settling the family's entitlements of the terminal benefits.

b) The process for sanctioning your pension claims is to be initiated by the Head of Department twenty-four months in advance of the retirement date.

c) Eight months prior to the retirement date, you are to furnish certain information (e.g. joint photograph with your spouse, family details with their date of birth, name of bank & the A/c No through which you desire to draw your pension etc.) to your Head of office in the prescribed form. Make enquiries from your office in case you do not receive any intimation from the Head of office in this regard.

d) The Head of office is required to send complete pension papers to the Accounts officer not later than

six months before the date of retirement.

e) Dues owed by the retiring employees on account of licence fee for Government accommodation, advances, overpayment of pay and allowances are required to be assessed by the Head of Office and intimated to the Accounts officer two months in advance of the date of retirement so that these are recovered from retirement gratuity before payment. For this purpose the licence fee for those in occupation of Government accommodation is taken into account upto the end of the permissible period for which accommodation can be retained after retirement under the rules on normal rent. The recovery of the licence fee beyond that period is the responsibility of the Directorate of Estates. If, for any reason

9

final dues cannot be assessed in time, then 10% of gratuity or Rs.1000/- whichever is less, is withheld from gratuity temporarily.

f) The Pay & Accounts Officer (PAO)/FA&CAO {in case of Rlys} who finally sanctions pension, is

required to ensure that your Pension Payment Order (PPO) is dispatched to the Central Pension

Accounting Office not later than one month in advance of the retirement date. You will receive

intimation thereof from PAO.(However, for Rly pensioners FA & CAO sends PPOs directly to the

concerned Treasury from where it is sent to the concerned Bank Link Branch from where it will be

passed on to the paying Branch)

15. Your cooperation with the Head of Office is vital for you to ensure timely settlement of your claims. Please ensure that you submit your papers and furnish all relevant information in. good time. This will enable the administration to complete formalities and issue your Pension Payment Order before you retire.

1.16 PROVISIONAL PENSION -

(a) If any delay is anticipated in the sanction of your Pensionary benefits. The Head of Office is required

to sanction provisional pension and provisional gratuity and also make arrangement for payment thereof on due

dates.

(b) Rules also provide for grant of provisional pension where departmental or judicial proceedings are pending at the time of retirement. However, in such cases, gratuity is not released and the commutation of pension is also not allowed pending settlement of departmental/ judicial proceedings.

1.17 SANCTION OF FAMILY PENSION: -Entitlement of family pension is also sanctioned at the same time as pension and indicated in the PPO. After the death of the pensioner, the designated disbursing authority or the branch of the bank that was disbursing the pension during pensioners’ lifetime, as recorded, will disburse family pension, straightaway. In such cases, no separate sanction for family pension is required.

SECTION 4 MISCELLANEOUS

1.18. INTEREST ON DELAYED PAYMENT

You are entitled to receive interest on the amount of retirement gratuity if its payment is delayed for administrative reasons beyond a period of 3 months; the prescribed rate of interest is at par with the interest rate admissible on the balances in the General Provident Fund, which, at present, is 8% per annum. Interest is not payable on pension or commuted pension even if there is delay.

1.19. MODE OF PENSION DISBURSEMENT

Retiring employees other than those belonging to Department of Posts have an option to draw their pension through:

(i) Pay and Accounts Officer attached to the office from which they retire, or

(ii) Treasury of the place where they permanently settle down after retirement, or

(iii) A branch of the public sector bank( PSB ) entrusted with disbursement of pension on behalf of the central Government at the intended place of their residence after retirement.

10

1.20. Drawal of pension through Pay and Accounts Offices or through the Treasuries involves 'claiming Pension every month by presentation of a bill by the pensioner. Drawal of pension through public sector banks is simpler as the bank automatically credits the pension to the bank account of the pensioner every month.

For this purpose pensioners are required to open an account in their own name or jointly with spouse in the Branch of the public sector bank through which they wish to draw their pension. Joint Account with spouse is permitted. It will be in your interest to operate this account solely for the purpose of pension without maintaining in this account other transactions. This will enable you to keep a watch on the amount of pension and dearness relief credited to your account by the bank from time to time. This will also help you to verify with the Bank authorities immediately on receipt of higher or lower pension. This will facilitate timely reconciliation and avoid the possibility of the bank affecting any recovery at a later date.

1.21, Retiring employees of the Department of Posts can draw pension only through post offices. This facility ' drawing pension through Post Offices is not available to other pensioners except those belonging to Railways. Those drawing pension from Post Offices can also avail of the facility of having their monthly pension credited to their post office saving bank account at places where saving bank facilities are available in the concerned Post Offices. This will enable them to draw their pension {without the need for presenting themselves in person with a bill every month} in the same manner, by which other pensioners draw their pension through public sector banks,

PARTII

OVER VIEW OF RETIREMENT BENEFITS

SECTION 1. ENTITLEMENT AND QUANTITY

2.1 PERSONS ELIGIBLE FOR PENSION

(a) A central Government civilian employee in pensionable service.

(b) He must be permanent at least in one post, not necessarily in the last post held.

(c) Quasi-permanent and temporary employees retiring on superannuation pension/invalid pension after rendering not less than 10 years service. He is also entitled to seek voluntary retirement after completion of 20 years service.

(d)A contributory Provident Fund (CPF) beneficiary in service on 1.1.86 unless he decides to remain under the CPF scheme

Please Note:

(i) An employee who is dismissed or removed from service forfeits his pension. The competent authority may, however in cases deserving special consideration, decide to sanction compassionate allowance, as per the scale laid down in the rules;

(ii) Resignation from service entails forfeiture of past service.

11

2.2. WHEN IS PENSION GIVEN: Pension is payable after you attain the age of retirement

(superannuation).

Full Pension is also payable before superannuation age on voluntary retirement after rendering 20

years or more of qualifying service. Pro-rata pension is also payable to permanent Government servants-on absorption in a PSU/Autonomous Body provided the Government servant has rendered not less than 10 years qualifying service under Government prior to absorption.

Family pension is payable to an eligible family member on the death of an employee while in

service or after retirement. The following are presently covered in the definition of 'family' in relation to a

Government servant/Pensioner for the purpose of eligibility for family pension:

a) Wife in the case of a male Government servant, or husband in the case of a female Government servant;

b) A judicially separated wife or husband, such separation not being granted on the ground of adultery and the person surviving was not held guilty of committing adultery;

c) Son/Daughter upto the date of his/her marriage or till the date he/she starts earning ( in case of son only), whichever is the earliest;

d) Unmarried/widowed/divorced daughter, upto the date of marriage/remarriage or till the date she starts

earning, whichever is earliest; and

e) Son or Daughter suffering from any disorder or disability of mind including mentally retarded or is physically

crippled or disabled or blind so as to render him or her unable to earn a living even after the age of 25 years

f) Parents who were wholly dependent upon Government servant when he/she was alive provided the deceased employee has left behind neither a widow nor a child.

g) The dependent disabled siblings (i.e. brothers/sisters) of Government servants/pensioners have also been included in the definition of 'family' for the purpose of eligibility for family pension on their turn.

Further, the dependency criteria for the purpose of family pension has been revised and fixed as the minimum family pension, along with the dearness relief thereon, DOP O.M. No. 38/37/08-P&PW (A) dt. 2, 9.2008,

2.3. CLASSES OF Pension:

Pension granted may be may be:

Superannuation Pension Retiring Pension

Invalid Pension

Compensation Pension

Compulsory Retirement Pension or Compassionate Allowance.

12

2.4. PENSION CONSTITUENTS

Pensionary benefits are made up of the following: -

-Pension subject to a minimum of Rs.3500 per mensem (w.e.f 1.1.06) and a maximum of upto 50% of the highest pay in Government .

-Lump sum payment resulting from commutation of a portion (upto 40%) of pension.

-Retirement/death gratuity not exceeding Rs.3.5 lakhs .this limit raised to 10 lac w.e.f 1.1.06

-Family Pension in the event of death of employee/ pensioner : Enhanced family pension @ 50% of the last pay drawn immediately before retirement of the employee / Pensioner upto 7 years after the death of the government servant/ pensioner or upto the age of 67 years{of the employee/Pensioner had he been alive} which ever is earlier(this is not applicable in the case of parents) .{ w.e.f 1.1.06 in case of a Gov. employee dying in harness enhanced family pension is payable for 10 years}

2.5. HOW ARE PENSIONARY BENEFITS WORKED OUT

2.5.1. Service Gratuity

-You will be entitled to receive service gratuity (and not pension) if total qualifying service Is less than 10 years.

-Admissible amount of 1/2 month's basic pay last drawn for each completed six-monthly period of qualifying service.

-No minimum or maximum monetary limit on the quantum.

-This one time lump sum payment is distinct from and is paid over and above the retirement gratuity.-

2.5.2 Pension

You will be entitled to receive monthly pension in case you have completed at least 10 years of qualifying service on superannuation from service.

-Full pension with 20 years of qualifying service is 50% of the average emoluments of last ten months or 50 % of the last pay drawn which ever is beneficial to the pensioner.

-For qualifying service of less than 20 years, amount of "pension is proportionate to the actual qualifying service broken into completed half-year periods.

-Minimum pension presently is Rs.3500 per mensem.

-Maximum limit on pension is 50% of the highest pay in the Govt. of India per mensem.

-D.R. is payable on the same rate as D.A. to existing employees.

-Pension is payable upto and including the date of death.

W.e.f 1.1.06 additional pension is admissible to older pensioners at the following rates

1.On completion of 80 years of age = 20% of basic pension

13

2. On completion of 85 years of age = 30% of basic pension

3. On completion of 90 years of age = 40% of basic pension

4. On completion of 95 years of age = 50% of basic pension

5. On completion of 100 years of age = 100% of basic pension

D.R. will also be payable on this additional pension

2.5.3. Commutation of Pension

-You have an option to commute a portion of pension, not exceeding 40% of it, into a lump sum payment, with effect from 1.1.96. After implementation of 6th CPC w.e.f 01.1.06, all future commutation of pension will be as per revised commutation table as per annexure (I) this table is subject to periodical revision on the basis of interest &mortality rate. However, this table will not be applicable to past commutations in respect to post 31.12.05 pensioners who have already commuted their pension prior to implementation of 6th CPC recommendations.

-No medical examination is required if this option is exercised within one year of retirement.

-If you decide to opt for commutation after the expiry of one year, you will have to undergo medical examination by the specified competent authority.

-Monthly pension will stand, reduced by the portion commuted and the commuted portion will be restored on the expiry of 15 years.

-Dearness relief entitlement will continue to be calculated on the basis of the original pension (i.e. without reduction of commutation portion)

-Commuted portion of pension will be restored on the expiry of 15 years. Revision of Pension -rule 10 of CCS (Commutation) rules, 1981.{GOI decisions w.r. to S.C. judgment}

2.5.4. Retirement gratuity

-Minimum of 5 years qualifying service and eligibility to receive service gratuity/pension is essential to get this one time lump sum benefit.

-Retirement gratuity is calculated at the rate of 1/4th of a month's basic pay plus dearness allowance last drawn before retirement for each completed six monthly period of qualifying service.

-There is no minimum limit for the amount of gratuity.

-Maximum retirement gratuity payable is 16' 1/2 times the basic pay, limited to Rs. 3.5 lakhs. This limit is raised to 10 lac w.e.f 1.1.06

Sixth Central Pay Commission in Para 5.1.33 of its Report made the following recommendation:

"Linkage of full pension with 33 years of quali fying service should be dispensed with. Once an employee

renders the minimum pensionable service of 20 years, pension should be paid at 50% of the average

emoluments received during the past 10 months or the pay last drawn, whichever is more beneficial to the

14

retiring employee. Simultaneously, the extant benefit of adding years of qualifying service for purposes of

computing pension/related benefits should be withdrawn as it would no longer be relevant

This recommendation was accepted by Government of India vide Resolution NQ.38/37/2008-P&PW (A) dated 29 th

August, 2008. it is clear from the above

recommendations/decisions, that the benefit of adding years of qualifying service is withdrawn for the purpose of

computing pension as well as other related benefits such as gratuity. 2.5.5. Dearness relief

-Dearness relief is sanctioned as compensation against price rise.

-Quantum payable will be governed by the orders issued by the Government. The formulation in this regard is based on 100% neutralization for pensioners/Family pensioners as in the case of serving employees.

-All pensioners, irrespective of the amount of their pension, are eligible for this benefit.

-There is no ceiling in regard to the total of pension plus dearness relief that a pensioner can receive.

-D.R. is payable to re-employed pensioners who held posts below Group 'A' and those ex-servicemen who held posts below the ranks of Commissioned officers at the time of their retirement, it is also payable to employed family pensioners. DR on pension in respect of the above 2 categories become payable with effect from July 18, 1997.

DR to re-employed pensioners/family pensioners is presently regulated in accordance with the instructions contained in this Department's OM No. 45/73/97-P&PW (G) dated 2.7.1999. Consequent upon the revision in ignorable amount of pension from Rs. 1500/- to Rs. 4000/- in terms of DOPT OM No. 3/13/2008-Estt(Pay-Z) dated 11.11,2008, the amount of Rs. 1500/-appeared in OM dated 2.7.1999 is revised as Rs. 4000/-. The other conditions for grant of DR to re-employed pensioner/family pensioner remain the same.

2.5.6. DEATH GRATUITY FOR FAMILY

-Widow/Widower or, the nominee of a permanent or a quasi-permanent or a temporary employee, including CPF beneficiaries, dying while In service is entitled to receive this one time lump sum benefit.

-No stipulation in regard to any minimum length of service rendered by deceased employee.

-Entitlement is regulated as under:

Qualifying Service Rate

Less than 1 year : 2 time of basic pay

1 year or more but : 6 times of basic pay

but less than 5 years

5 years or more but : 12 times of basic pay

less than 20 years

15

For service of 20 years or more:

1/2 month's basic pay for each completed six monthly period of qualifying service subject to a maximum of 33 times of basic pay. .

-Maximum amount of death gratuity admissible is Rs.3.5 lacs. This has been enhanced to 10 lacs w.e.f 1.1.06

2.5.7. FAMILY PENSION

-Family pension is payable to the widow/widower or an eligible family member from the day following the date of death of the employee while in service or after retirement

-An employee should have had minimum of 1 year of continuous service before one's death for the family to become eligible for family pension.

-Family pension is also admissible in case of an employee dying before completion of one year of continuous service. Provided the deceased employee immediately prior to the appointment to the service was declared fit by the appropriate medical authority.

-Family of a retired employee in receipt of monthly pension or compassionate allowance is eligible for

family pension after the death of the pensioner, -Family pension is also admissible to eligible family member of a Central Government employee absorbed in a public sector undertaking provided the employee (i) is/was in receipt of monthly pension or had received lumpsum payment In its lieu for the service rendered in the Government; (ii) was in the service of PSU as on 22.1.90; (iii) had exercised option for being governed by Family Pension Scheme of the Central Government; and (iv) requisite exemption from the operation of EPFA & Misc.Prov. Act, 1952 has been granted by the EPF Organization.

-It is payable only to one member of the family at a time and is as per the order prescribed under the Rule.

- Amount of Family pension admissible is at the rate of 30% of last pay at the time of death/retirement, subject to minimum of Rs. 3500 per mensem. (w. e .f 1.1.06)

-w.e.f 1.1.06 additional pension is admissible to older pensioners at the same scale & rates as mentioned in

Para2.5.2

In the case of pensioners who have retired prior to 1.1.96, Family pension at the rate of 30% is admissible corresponding to the scale of pay as on 1.1.96.

-Maximum amount admissible is 30% of the highest pay in Central Government.

-In the case of an employee having rendered not less than 7 years' continuous service, for a period of 7 years following the date of death or retirement on superannuation or upto the age of 65 years (now 67 with the superannuation age being increased to 60 years) whichever is earlier, family pension is admissible at enhanced rate which is f if ty percent of last pay. The entitlement of enhanced family pension is however restricted to the amount of pension in the case of an employee dying af ter retirement but in no case less than 30% of the last pay.{ w..e.f 1.1.06 in case of a Govt. Employee dying in harness enhanced family pension is

16

payable for 10 years. However, parents are not entitled to enhance F.P

-Like pension, Family pension is also payable up to and including the date of death of the recipient. -Family pension is payable to spouse if she/he is employed under Government or otherwise and even international organizations.

-Payment of Family pension is discontinued if the spouse remarries; in that event the entitlement of family pension passes on to the eligible son or daughter, including a unmarried/ widowed or divorced daughter provided his or her own earning is less than Rs.3500plus the amount equal to DR amount in force (w.e.f 1.1.06) per month.

{w.e.f 1.1.06. The Childless widow of deceased employee will continue to receive family pension even after remarriage subject to the condition that Family pension shall cease once her independent income from all sources becomes equal to or higher than minimum prescribed limit of family pension in the central Govt.

-Family pension is however payable for life to a son/daughter who is suffering from any disorder/disability of mind or is physically impaired/disabled, thus rendering him/her unable to earn a living.(Caution : a married disabled daughter may be disallowed Family Pension)

-Family pension is also admissible to the dependent parents of an employee/pensioner on their turn the level of dependency (w.e.f 1.1.06) is determined based on the earning of Rs.3500plus amount equal to prevalent DR per month as in the case of children.

-Dependency criteria (w.e.f 1.1.06) for all purpose is the minimum family pension along with dearness relief there on.

-For the purpose of nomination for eligibility to get family pension the family is divided in two categories w.e.f 1.1.06, Ist category will include sons, unmarried, widowed daughters and divorced daughter.

-Dearness relief to family pensioners is paid at the same rate and on the same conditions as for the pensioners

For procedure claiming Family Pension Pl refer to Part III Section I Pension disbursement Para 3.10

SECTION 2 :-NON-PENSIONARY RETIREMENT BENEFITS

2.6. PROVIDENT FUND ACCOUNT

a) Provident Fund Accounts are now maintained on a decentralized basis. The Head of office/attached pay and Accounts Officer of the office in which you serve maintain your General Provident Fund Account. Please ensure that you receive your annual statement of account/get your passbook up-dated, as the case may be, every year. It may be in your interest to preserve all the yearly account slips in a separate folder in chronological order. If you notice any missing credit, please take up the matter with the Head of office/Pay and Accounts Officer immediately. It is easier to trace missing credits while they are still current.

b) In the event of your transfer from one office to another the balance lying to your credit in the GP Fund account in the previous office is also transferred to the new office where a new account number is allotted to you. This is not applicable when you go on Foreign Service in which case the Provident Fund Account continues to be maintained by the previous office,

17

c) In case of deputations you should check that the office you are deputed to forwards regularly credits of PF to your parent office and particularly watch updating of your PPF pass books/ statements

d) Subscriptions to Provident Fund are stopped three months prior to the date of superannuation. This has been designed to enable the Pay and Accounts Officer to finalize and settle your account and arrange payment of the balance by the time of your retirement.

2.7. CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME

A portion of your monthly contributions paid while in service is credited in a Savings Fund, on which interest accrues. You must apply to your Head of office, who shall issue a sanction for the payment of your accumulation in Savings Fund and arrange for its disbursement, soon after your retirement,

2.8 TRAVELLING ALLOWANCE & OTHER FACILITIES TO REACH THE INTENDED PLACE OF RESIDENCE AFTER RETIREMENT: You are eligible for travelling allowance from the last station of duty to the intended place of residence anywhere in India. This is allowed on full scale applicable to journeys on transfer. This benefit has to be availed within one year from the date of retirement, otherwise it lapses. In addition to traveling allowance, you get composite transfer grant, Fare for self & family from the station of retirement to the station of settlement & also an allowance/Fare (according to status) for transport of personal effects and for the transport of conveyance subject to certain conditions. Railway retirees are entitled to Kit pass/Transport allowance (according to status ) for shifting of personal effects including conveyance to intended place of residence within India, a Dog pass, Free Passes ( by Trains) for self & family from station of retirement to the station of settlement and also composite transfer grant .Rly retirees are also entitled to post retirement complimentary passes according to their status

{Ministry of Finance DOE F.No.19030/3/2008-E.IV dtd 23.9.09 & Rly Bd No E (W )2004 PS 5-9/1 dtd 17.06.09}

2.9. MEDICAL FACILITIES FOR PENSIONERS

Central govt. pensioners/family pensioners other than Railways &Defence are covered under the Central Government Health Scheme on prescribed contribution. You must get your name registered with any of the CGHS Dispensaries in the country. The registration is not related to the place of last posting or the place of your residence. You will be required to obtain a new CGHS card. An application to the specified officer of CGHS at the city chosen by you is necessary. You may obtain a life card by payment of a fee equivalent to ten times of your annual contribution. Railway pensioners are covered by RELHS-97 {Retired railway Employees Liberalized Health scheme) and the Defence pensioners &family pensioners are covered by ECHS (Ex servicemen contributory Heath scheme)

b) Fixed Medical Allowance is payable to those Central Govt. Pensioners/Family Pensioners who are residing in non-CGHS areas. Wherever CGHS facilities are available. Medical Allowance Is not payable. In case of Railway Pensioners & Family pensioners FMA is payable if the residence of such a pensioner/Family pensioner is beyond 2.5 KMs from Rlys health unit/hospital & that he or she is eligible to join the scheme, however member ship of the scheme is not a precondition for entitlement to FMA. Such a pensioner in receipt of FMA if he is a member of RELHS Scheme will loose entitlement for day –today OPD though they will be eligible for Indoor treatment as well as OPD for chronic diseases provided they are members of RELHS-97.

c) Even in the event of not availing CGHS facilities prior to retirement you are eligible for CGHS facilities on superannuation.

d) Vide Railway Board letter No 2003/H/28/1/RELHS dated 16.3.2009 & even No dated 08.04.09 . Joining RELHS-97 has been made mandatory for all retiring Rly. Employees.

18

PART III

BASICS FOR PENSIONERS

SECTION 1 :- PENSION DISBURSEMENT

3.1, Disbursement of Pension by the Bank

i) All PPOs and any subsequent amendments issued by Pay & Accounts Officer are routed to the disbursing bank through Central Pension Accounting Office, Bhikaji Cama Place, New Delhi (E-Mail: pension@x400.nicgw.nic.in). These are in turn transmitted by the Link Branch of the designated bank to the disbursing branch.

ii) The PAO and the bank authorities are required to ensure that the pensioner is kept informed about the movement of the PPO at all stages.

Note: In case of Rly pensioner Designated FA&CAO Discharge the function of CPAO/PAO

iii) On receipt of documents, the paying branch shall immediately address the pensioner through a letter advising him to appear at the branch along with the documents for the purpose of identification.

iv) After the completion of necessary formalities in this regard, the Pensioner's portion of PPO will be handed over by the Disbursing Branch to the Pensioner.

v) Subsequent drawal of monthly pension and its credit to the pensioner's account shall be automatic without the need for the pensioner to go to the bank specifically for this purpose.

Disbursement of pension to Non-Resident Indian (NRI) Pensioners:

The NRI Pensioners should open an ordinary non resident bank account in any scheduled bank in India and execute a power of attorney in favour of the bank as required. They should also submit life certificate and nationality certificate as prescribed to enable the credit of pension amount due to them in to their accounts.

Receipt of Two Pensions:

If you are in receipt of more than one pension, you should furnish full details to your PDA for revision of both the pensions and regulating dearness relief thereon

Post-retirement Conviction/Imprisonment: If a pensioner is convicted or sentenced to imprisonment by a Court, his pension will be suspended. In the event of conviction/imprisonment by a court of law, full facts of the case should be reported to your PDA/Head of Office

19

3.2, Know Your Pension Payment Order

a) Your PPO is a valuable document containing a running account of your pensionary entitlements. It is given a number. Make a note of it carefully at some safe place and do refer to it in your correspondence with the pension sanctioning authority or the pension disbursing authority. This will enable them to link proper records and will help them to promptly respond to your letters.

b) PPO is issued in two halves/copies, namely, pensioner's half/copy and Disburser's half/Copy. Pensioner's half/copy of the PPO is given to the pensioner by the designated pension disbursing authority immediately after completion of formalities for identification of pensioner before the first disbursement of pension. Please do insist on getting your half/copy of the Pension Payment Order as this is a vital document to every pensioner.

c) Also ensure to keep it in safe custody and to familiarize other members of your family with its contents, so that in the event of any untoward event, they are not put to any difficulty for lack of these documents please also keep a photocopy separately.

d) Post retirement Changes in the family:

Post retirement changes in the details of your family arising out of your marriage/remarriage after retirement or children born to you after your retirement should be intimated to your Head of Office with full details and relevant documents. Also ensure that a notification of your family pension is done by pursuing the matter with your Head of Office. Similarly, other post retrial changes/events with respect to dependents like divorce/widow hood/marriage of daughter, mental /physical/visual disability of children/siblings be intimated to your pension sanctioning authority with supporting documents, obtaining acknowledgement which should be carefully preserved

3.3. CERTIFICATES REQUIRED BY A BANK FROM PENSIONER

a) Life Certificate: The pensioner will furnish a l ife certificate in th e prescribed form, to be obtained from the competent officer of the RBI or public sector bank authorized for disbursement of pension in the month of November each year. The pension including element of dearness relief from November onwards will not be credited in the pensioner's account by the bank in case he fails to furnish the required certificate by presenting himself before the competent officer. In case of serious illness/incapacitation and on production of medical certificate to that effect, officer-in-charge of paying branch may depute an officer of the bank to visit the pensioner for recording life certificate.

b) Employment/Non-employment Certificate; The pensioner will furnish a certificate of non-employment/employment/re-employment yearly in the month of November. If this certificate Is not submitted, the dearness relief from November onwards will not be credited by the bank. Pension will continue to be credited,

c) In case of NRI pensioners/family pensioners who are unable to come to India for personal identification may be

allowed pension / family pension on the basis Of a certificate to be issued by an authorized official of the India

Embassy / High Commission of India or Consul of India consulate in the country where the pensioner is residing. This

certificate is to be issued on verification of Pensioner / Family Pension on the basis of photograph pasted in the PPO

or on the basis of photograph pasted on the Passport or any other such document.

CGA's Authority No. - F.No. 1(7)/CPAO Scheme Book/2005/TA/585 dated 22.09.2006

d) In the case of physically handicapped pensioner or who is unable to present himself at the paying branch, the requirement of personal appearance will not be necessary, as it is in the case of ordinary pensioner who has to present himself before the bank to complete the formalities. The pensioner has to submit to the paying branch a

20

certificate from a registered medical practitioner about his being physically handicapped /sick. each year, about the requirement of producing life certificate and his inability to present himself physically, to the officer-in-charge of bank so that he may nominate an officer to visit the pensioners residence for the purpose of verification, recording of specimen signatures, identification marks and life certificate etc

3.4. DRAWAL OF PENSION BY INFIRM PENSIONERS

In the case of physically handicapped/sick/infirm pensioner who is unable to present himself/herself at the paying branch, such a pensioner has to submit a medical certificate to this effect from a RMP to the Manager of the Paying branch of the Bank with a request to arrange disbursal of pension at the residence. On, receipt of such request supported by a medical certificate. Bank Manager is supposed to nominate an officer of the Bank for disbursal of pension to such a pensioner at the place of residence.

3.5. TRANSFER OF PENSION

(i) In the case of transfer from one paying branch to another of the same PSB at the same station, the link branch will make necessary entries in the register maintained by them and forward the disburser's portion of PPO to the paying branch at which the payment is desired under intimation to the CPAO and the pensioner;

If the transfer is at a different station, the link branch after keeping the requisite note will forward the disburser's portion of PPO to the link branch at the new station for arranging payment through the new paying branch. CPAO will be informed of this by the old link branch as well as by the new link branch.

(ii) In the case of transfer from one PSB to another PSB within the same station or a different station, the old bank (transferor paying branch) sends a letter duly signed by the Branch Manager to the Branch Manager of the new paying branch together with a copy of PPO showing the last payment. The new paying branch will commence the pension payment immediately on receipt of letter of the last payment certificate. It is the responsibility of the concerned bank branches to complete all required formalities regarding intimation to link branches and CPAO. In case of Rly Pensioners :-

3.5.1 Transfer of Pensions. – Applications for transfer of pensions may fall under the following three categories:- a) Transfer from one paying branch to another within the same station or at a different station: b) Transfer from one PSB to another within the same station (such transfer to be allowed only once in a financial year): and (c) Transfer from one PSB to another PSB at a different station or by a treasury

. 3.5.2 Request falling under category (a) above may be entertained by PSB itself. In case the transfer is at the same station. Link Branch will make necessary entries in the register maintained .by them in the form in Annexure ‘B’ and forward the disburser’s portion of PPO to the paying branch at which payment is desired under intimation to the designated FA & CAO, and the pensioner. In case the transfer is at different station Link Branch after keeping the requisite note will forward the disburser’s portion of the PPO to the Link Branch at new station for arranging payment through the new pay branch. Necessary intimation of effecting such transfer will be sent to designated FA & CAO by the new as well as old link branches for keeping a note of change in their records under intimation to the pensioner. The receiving link branch on receipt of pension documents will ensure forwarding the PPO to the paying branch within three days and intimate the pensioner simultaneously. Before forwarding the disburser’s portion of PPO to the new paying branch/link branch, it will be ensured that the month upto which the payment has been made is invariably indicated in the disburser’s portion of PPO. 3.5.3 (i) In cases falling under categories (b) and (c) of Para 3.5.1 when a pensioner applies for transfer on a single sheet of paper, the old bank (Transferer paying branch) will send a letter duly signed by its Branch

21

Manager to the new paying branch wherever located alongwith a photocopy to the pensioner’s PPO showing the last payment made. This will be sent by speed post/courier/Regd.Post to the new paying branch at the new location alongwith a copy each to the pensioner. FA&CAO and for information to the Link Branch of the old paying branch. The PPO issuing FA&CAO will also arrange to intimate the new designated FA&CAO (i.e. pension debit accepting FA&CAO) in case change of designated FA & CAO is also involved. Simultaneously the old paying branch will send the bank’s copy of PPO through its link branch, duly completing all entries to the FA&CAO who issued the PPO for transmission to the new link branch. However pensioner’s copy of PPO will be retained by pensioner and produced at the new paying branch. (ii) The new paying branch will commence pension payment immediately on receipt of letter of the last payment certificate as at (i) above. Simultaneously it will send intimation to its link branch with full details of the commencement of the pension. The old paying branch and its link branch will ensure that the Bank’s copy of PPO is transmitted to the new paying branch through its link bank. (iii) Pension will be paid for 3 months on the basis of the photocopy of the pensioner’s PPO at transferee (New) Branch, from the date of payment made at the transferer (Old) & transferee (New) bank branch to ensure that all documents under the procedure are received by the transferee (New) branch with in a period of 3 months. However in a case falling under category (c) of Para 3.5.1 where pensioner wishes to draw his pension from the Treasury it will be necessary for the FA&CAO to forward the documents duly countersigned along with a forwarding letter bearing his special seal to the Accountant General concerned under whose jurisdiction the Treasury from where the pensioner wishes to draw his pension for onward transmission to the Treasury concerned. 3.5.4 To avoid the risk of over payment at the time of transfer the following certificate may recorded on the PPO by the Paying Branch of the P.S.B. – “Certified that payment of pension upto the month of …….…20 …….. has been made and that this PPO consists of …………………Continuation sheets for recording disbursement.” 3.5.5 Except as provided for above, the transfer of the pension from one place to another will not ordinarily be permitted.

3.6. RESTORATION OF COMMUTED PORTION OF PENSION

After the pensioner has completed 15 years from the date of commutation, he will apply in the prescribed form to the pension disbursing authority/bank/post office who will restore the commuted portion of the pension as mentioned in the PPO. If the amount of commuted pension is received on two or more points of time, restoration of the commuted amount also takes place at two or more points of time as the case may be. The absorbed employee in Central PSUs/Autonomous Bodies who have become entitled to restoration of 1/3rd commuted portion of pension, based on the Supreme Court Judgment dt.15.10.95 will apply to the concerned Ministry/DPA/Office where they were employed prior to absorption.

3.7. LIFE TIME ARREARS

A pensioner is entitled to file nomination in Form A prescribed under Arrears of Pension (Nomination)'Rules, 1983 to the pension disbursing authority or head of office, as the case may be, for payment of life time arrears. This obviates the hardship faced by the nominee survivor of the deceased in getting the payment of balance amount in the account of the deceased pensioner. This benefit is not valid for Family pensioner, The arrears of Family pension pass on to the next eligible member of the family, The question of submitting a succession certificate will arise if no nomination has been made or there is no eligible member in the family left to receive the family pension.

3.8. RECOVERY OF EXCESS OR WRONG PAYMENT

22

RBI has issued guidelines on recovery of wrong payment or excess payments. Recovery of such payments are required to be made only in installments not exceeding one third of pension (Pension plus relief) each month and recovery higher than this cannot be made without the written consent of the pensioner .

However, Vide Para 36 of RBI Master Circular “Disbursement of Pension” dated 01-07-09 all agency banks have been advised that whenever any excess / overpayment is detected the entire amount thereof should be credited to the Government account in lump sum immediately.

3.9. ISSUE OF DUPLICATE PPO

If the pensioner's portion of PPO is lost, worn out or torn and it is sought to be renewed, the paying branch will forward the request of the pensioner along with both halves i.e. pensioner's half and disburser's half of the PPO to the CPAO through the link branch for renewal. In order that payment of pension is not delayed in the absence of disburser's portion of the PPO, all connected documents may be sent to CPAO immediately after the payment for the month is made so as to leave sufficient time with CPAO to do the needful and return the documents by the time payment for the next month becomes due.

Incase of Rly pensioners :- “In cases in which pensioners portion of the P.P.O. is lost, worn and torn and it is sought to be renewed, the paying branch will forward the request of the pensioners, alongwith both the halves of the P.P.O. to the concerned nominated F.A.& C.A.O. through the link branch for . In order that payment of pension is not unnecessarily delayed in such cases in the absence of the disburser’s portion of the P.P.O., care may be taken to send the connected documents to nominated F.A. & C.A.O., immediately after payment for a month is made so as to leave sufficient time with the nominated F.A.& C.A.O. to do the needful and return the documents by the time payment for the next month becomes due. The nominated F.A.& C.A.O. will also be reminded by the paying branch in cases where the return of the document is unduly delayed.

SECTION 2 : DISBURSEMENT OF. FAMILY PENSION

FAMILY PENSION-,

3.10. Family Pension Claims

a) As mentioned in Para 1.17., family pension entitlement is also sanctioned at the same time as pension. For getting family pension, the eligible member of the family of the deceased pensioner should apply in the prescribed Form, together with a death certificate, to the

I) Pension disbursing authority, if the amount of family pension is already indicated in the PPO; or

ii) Head of Office in all other cases.

b) The payment of Family pension, at the rate, and to the person indicated in the PPO shall be communicated by the paying branch of the bank without waiting for any authority from pay & Accounts Officer or CPAO.

c) In case the claimant is a child, payment shall commence after a fresh payment authority is received from PAO/FA &CAO of the concerned Ministry/Dept. through usual channels.

d) Family pension to eligible family members of the govt. employee kidnapped by insurgent/terrorists may be sanctioned after a period of six months from the date of registration of FIR.{DOP & PW F.No. 1/28/04-P&PW(E) dated 31.3.09}

Procedure Claiming Family pension

By the spouse:

A. Claim to be preferred to Pension disbursing agency Form 14 along with details of dependent children if any for

23

claiming Family pension( Form can be had from the Bank) Along with relevant documents & witnesses as follows : 1. Death Certificate of pensioner 2. An affidavit by the Widow that she has not remarried and that if she does so in future she will immediately report the incidence to pension disbursing agency. 3. Proof of age of the Widow and the dependent children if any 4. Claimant will have to open a separate SB/pension account with the Bank 5...An undertaking for refunding any excess amount ever credited

6. Two specimen signatures of the applicant or left hand thumb impression' duly attested (to be furnished in two separate sheets) if claimant is illiterate

7. Two copies of passport size photograph of the applicant and each of the dependent if any, duly attested.

8. Descriptive Roll of the applicant duly attested in duplicate indicating height and personal marks, if any, on the hand, face etc. {Specify at least two conspicuous marks)

9. Certificate of age, two attested copies

NOTE: Attestation should be done by two Gazetted Government officials or two or more persons of respectability in the town, village or paragana in which the applicant resides.

In case of re-marriage of the widow while applying for family pension on behalf of minor child, the widow should furnish the date of her re-marriage to the Branch of the Authorized Bank at which payment is desired and her full address in the application for family pension. It is not necessary to furnish a fresh application or the documents as these are already with the Bank along with pension papers on which family pension was originally admitted to her.

By post retrial Spouse /Children :-

-Procedure for Endorsement of Family Pension Entitlement of Post-Retiral Spouses in the PPO

(i)As and when a pensioner marries or re-marries after retirement, he shall intimate the event to the Head of Office who processed his pension papers at the time of his retirement. He shall also furnish along with his application an attested copy of the certificate of marriage in respect of his post-retirement marriage.(ii)The Head of Office on receipt of the application mentioned above and after due verification where necessary, forward the papers to the concerned Pay & Accounts Officer for issue of corrigendum PPO. While forwarding the papers to the Pay & Account Officer, the provisions of Clause (b) of sub-rule (7) of Rule 54 of the CCS (Pension) Rules, 1972, shall be kept in mind. When the pensioner does not have any child or children from his previous marriage, if any, the post-retiral spouse shall be eligible for full family pension. Where the pensioner has any eligible child or children from another wife who is not alive, the family pension to the post-retiral spouse and the child/children from the previous marriage will be authorized in terms of clause (b) of sub-rule (7) of Rule 54 ibid.(iii)The corrigendum PPO shall be forwarded by the Pay & Accounts Officer to the concerned Pension Disbursing Authority through the Central Pension Accounting Office. A copy of the corrigendum PPO shall also be endorsed to the pensioner.(iv)As far as children, including those born after retirement, are concerned, a fresh PPO will be issued as and when the turn of each child for receipt of family pension is reached as at present {For Rly Pensioners/Family pensioners designated FA &CAO will discharge the Function of CPAO/PAO}

The F.A. & C.A.O. of the Zonal Railway, under whose jurisdiction the places where the pensioner wishes to settle fall, will be the co-coordinating officer with the Link Branch of the nominated Public Sector Banks. (He will be referred to as the designated F.A. & C.A.O.)

By eligible Dependents:

Where the names of eligible children/dependents have not been mentioned in PPO for various reasons like the pension was sanctioned prior to 1-1-1990 or the child is a post–retiral one or post-retiral manifestation of disability of the child,

Case 1

24

Both parents expired & the dependent eligible Child is on turn to get Family Pension :-

Following Documents along with claim application need to be submitted to the Pension sanctioning

authority:

Copy of PPO of pensioner/family pensioner, Proof of Parentage, Proof of dependency, proof of age, Proof of

residence, Ration card/Photo ID card. Family declaration giving details of dependent children (With

acknowledgement of concerned department) of the Pensioner submitted to the department during his/her

life time (if available)

Affidavit before the magistrate declaring (I)That his/her monthly Income from all sources is less than the

minimum of Family pension Plus D.R. i.e. Rs 3500 plus an amount equal to Dearness Relief. In case of

unmarried dependant daughter:- Affidavit to also include the declaration:- That she has never been

married.

In case of mentally challenged or Blind claimant :-in addition to above documents medical examination report

from the Civil Surgeon/CMO of the District.

Incase of divorced Dependent Daughter:- In addition to above documents. Marriage proof (invitation

Card& photograph, marriage certificate if registered or any other proof) , proof of divorce , a suitable

declaration to this affect in affidavit & details of dependant children if any.

Incase of a widowed dependant daughter: - Following additional document to be submitted

Proof of marriage, the death certificate of husband, Suitable declaration to this affect & that she has not

remarried in affidavit and details of dependant children if any.

Case II

Both or one parent surviving drawing Pension/Family pension:-

The pensioner/family pensioner, if he so desires, can furnish a list of eligible children/siblings to the Pension Sanctioning Authority, inter alia, indicating whether any child is handicapped or not.

The receipt of this list may be acknowledged by the pension sanctioning authority, mentioning the details of the eligible children taken on record.

This acknowledgement may be preserved by the members of the family of the pensioner for production at the time of submission of claim for family pension in their own turn to the Pension Sanctioning Authority.

In case of guardian, the responsibility of producing this acknowledgement will be of the guardian .However, production of this acknowledgement, not to be a pre-condition to the processing of claims for family pension.

3.11. CERTIFICATES TO BE FURNISHED BY FAMILY PENSIONER to the pension disbursing agency :

a)Certificate for mentally/ physically handicapped child/dependent : In addition to life certificate every year in the month of November. A mentally/physically/Visualy handicapped son or daughter is eligible to receive family pension for his/her life as referred to in Part II. A certificate obtained from a Medical Officer not below the rank of Civil Surgeon will have to be furnished to the paying branch every three years (in the month of November), The certificate must state that the person continues to suffer from the disorder/disability of mind or continues to be physically/visually impaired or disabled rendering him/her unable to earn a living. In case of minors/mentally disabled guardian should submit the required certificates b) In case of other recipients of family pension (such as divorced, a widow or an unmarried daughter or son below 25 yrs ), the certificate of remarriage/marriage/dependency is required at yearly interval, in the month

Note: in case of widow/divorced/unmarried recipients of family pension, an undertaking (through an affidavit) will have to be given at the time of the commencement of family pension that in case she remarries, she will report the fact to the pension disbursing authority.

e) Certificate of dependency of Parents: The dependent parents of a deceased Govt. servant in receipt of family pension are to furnish a certificate to the Treasury /Bank and post office, every year, in the month of November, that is his or her or their combined income, as the case may be, is less than three thousand five hundred plus the amount equal to DR (admissible to family pensioner) per month from their own pension or any other source.

Note: Necessary Forms required with reference to Para 3.10 &3.11 are given in Annexure II

25

f ) In the case of physically handicapped /sick/infirm family pensioner unable to present himself at pension disbursing agency for the submission of Certificates or for receiving payment of pension :

Same procedure as mentioned in Para3.3 &3.4 is to be adopted.

SECTION 3: -MISCELLANEOUS

3.12. GENERAL

-All pensions including dearness relief thereon and gratuities are payable in rupees in India only.

-They are expressed in whole rupees, the fraction being rounded off to the next higher rupee.

-Pension/family pension is payable upto and including the day on which its recipient dies.

-Grant of pension and its continuance are subject to future good conduct of the pensioners.

-Pension finally authorized cannot be revised to the disadvantage of the pensioner except to

Correct a clerical error.

-Pension cannot be attached or seized for any demand against a pensioner, nor can a pensioner make any assignments in anticipation of pension. But if a pensioner is convicted of a serious crime or is found guilty of grave misconduct or negligence, pension may be withheld or withdrawn fully or partly for a specified or indefinite period after following the prescribed procedure which inter-alia requires an opportunity being given to the pensioner to show cause against the action proposed to be taken.

-Acceptance of certain kinds of post-retirement employment (e.g. commercial employment before expiry of two years from retirement, employment under foreign governments etc.) by pensioners who retires from Group A service/post requires prior permission of the Central Government- Failure to comply with this requirement may lead to stoppage of pension.

3.13. REDRESSAL OF GRIEVANCES

a) If you have any grievance in pension matters you may take it up with your Head of Office, the pension sanctioning authority or the pension disbursing authority, or in the Pension ADALAT pertaining to the jurisdiction of your pension sanctioning authority ( PSA) as the case may be.

b) If considered necessary, you may also approach the Department of Pension and Pensioners' Welfare, Lok NayaK Bhawan (3td Floor), Khan Market, Now Delhi-110003, which is the nodal Department for looking into the grievances and problems of pensioners or Secretary (PG), Directorate of Public Grievances, Cabinet Secretariat, Sardar Patel Bhawan, Parliament Street, New Delhi-110001.

Note : In case you do not receive response to your representation within a reasonable time you may resort to RTI act 2005 to know the status of your case.

c) For prompt attention, all your correspondence should contain the following essential details, so that past records can be easily linked,

i) Name

26

ii) Full address

iii) Office from which retired, (abbreviations not to be used.) with full address.

iv) Post held at the time of retirement, Basic pay & (and scale of pay) & date of retirement.

V) Qualifying service

vi) If pension has been sanctioned, quantum may be specified.

a) The particulars of Accounts Officer who issued the PPO

b) The particulars of Pension Disbursing Authority, and

c) PPO number with a photocopy of the PPO

d) Give particular of correspondence so far (with evidence)

e) Your representation: (Make your representation brief and short.)

27

ANNEXURE I.

COMMUTATION VALUE FOR

A PENSION Of Re.l PER ANNUM

Age n e x t

birth day

Commutation v a l u e expressed as number of year's purchase

Age n e x t

birthday

Commutation

value expressed

as number of

year's purchase

Age

next birth day

Commutation value expressed as number of year's purchase

20 9. 1 88 41 9.075

62

8.093 21 0.187 42

9.059

63

7.982 1 1 9.186 43 9.(I40

64

7.862

23 9. 1 85 44

9.UI9

65

7.731

24

9. \ 84 45

8.996

M

7.591 25 9. 1 83 46

8.971

67

7.43 1

26

9. 1 82 47

8,943

68

7.262 27

9.180

4S

8.913

69

7.083 28 9.178

49

8,881

70

6..897 29 9. 1 76

50

8.846

71 6.703

30 9.173

51 8.8o8 72 6,502

31 9. 1 6<)

52 8.708

73 6.296 32 9.164

53 8.724

74 6.085

33 9.159 54 8.678 75 5. 872

34 9.152

55 8.627 .

76

5-657 35 9.145

56

8.572 77

5.443 36 9. 1 36 57 8.512 78 5.229 37 9.126 58 8.446

79

5.018 38 9.116

59 8.371 8O

4..81 2 39

9.103

r>0 8.287 81 4.611 40

9.090

61 8.194

28

{Basis: I.1C (94-96) Ultimate Tables and 8.00%}

Annexure II

Forms

Nomination for Retirement Gratuity/Death Gratuity

When the Government servant has a family and wishes to nominate one member, or more than one member, thereof.

I,......................., hereby nominate the person/persons mentioned below who is/are member(s) of my family, and confer on him/them the right to receive, to the extent specified below, any gratuity the payment of which may be authorized by the Central Government in the event of my death while in service and the right to receive on my death, to the extent specified below, any gratuity which having become admissible to me on retirement may remain unpaid at my death -

Original nominee(s) Alternate nominee(s)

Names and

addresses of

nominee/ nominees

Relationship with the

Government servant

Age

Amount or share

of gratuity payable

to each*

Name, address relationship and age of

the person or persons, if any, to whom the right

conferred on the nominee shall pass in

the event of the nominee pre-deceasing the

Government servant or the nominee dying after

the death of the Government servant but

before receiving payment of gratuity

Amount or share

of gratuity payable

to each**

(1) (2) (3) (4) (5) (6)

This nomination supersedes the nomination made by me earlier on ....................................... which stands cancelled.

NOTE. - (i) The Government servant shall draw lines across the blank space below the last entry to prevent the insertion of any name after he has signed.

(ii) Strike out which is not applicable.

Dated this...................................day

of..................................................2000

at...........................................

29

Witnesses to signature :

1.

..........................................

2. .......................................... Signature of Government servant

*This column should be filled in so as to cover the whole amount of the gratuity. **The amount/share of the gratuity shown in this column should cover the whole amount/share payable to the original nominee(s).

(To be filled by the Head of Office)

Nomination by..................................... Signature of Head of Office

Designation.......................................... Date................................................

Office.................................................. Designation.....................................

Pro forma for acknowledging the receipt of the

nomination form by the Head of Office

To ................................................... ................................................... ...................................................

Sir,

In acknowledging the receipt of your nomination, dated the ................/cancellation, dated the ...............................of the nomination made earlier in respect of gratuity in Form ................................... I am to state that it has been duly placed on record.

Signature of Head of Office

Place ...........................................

Dated the .................................... Designation.............................................

NOTE. - The Government servant is advised that it would be in the interest of his nominees if copies of the nominations and the related notices and acknowledgements are kept in safe custody so that they may come into the possession of the beneficiaries in the event of his death.

30

FORM 2

[See Rule 53(1)]

Nomination for Retirement Gratuity/Death Gratuity

When the Government servant has no family and wishes to nominate one person or more than one person

I,...................., having no family, hereby nominate the person/persons mentioned below and confer on him/them the right to receive, to the extent specified below, any gratuity the payment of which may be authorised by the Central Government in the event of my death while in service and the right to receive on my death, to the extent specified below, any gratuity, which having become admissible to me on retirement may remain unpaid at my death :

Original nominee(s) Alternate nominee(s)

Names and

addresses of

nominee/ nominees

Relationship with the

Government servant

Age

Amount or share

of gratuity payable

to each*

Name, address relationship and age of

the person or persons, if any, to whom the right

conferred on the nominee shall pass in

the event of the nominee pre-deceasing the

Government servant or the nominee dying after

the death of the Government servant but

before receiving payment of gratuity

Amount or share

of gratuity payable

to each**

(1) (2) (3) (4) (5) (6)

31

This nomination supersedes the nomination made by me earlier on .......................................which stands concelled.

NOTE. - (i) The Government servant shall draw lines across the blank space below the last entry to prevent the insertion of any name after he has signed.

(ii) Strike out which is not applicable.

Dated this...................................day

of..................................................200....

at...........................................

Witnesses to signature :

1.

..........................................

2. .......................................... Signature of Government servant

(To be filled by the Head of Office)

Nomination by..................................... Signature of Head of Office

Designation.......................................... Date................................................

Office.................................................. Designation.....................................

* This column should be filled in so as to cover the whole amount of the gratuity. ** The amount/share of the gratuity shown in this column should cover the whole amount/share payable to the

original nominee(s).

Pro forma for acknowledging the receipt of the

nomination form by the Head of Office

To ................................................... ................................................... ...................................................

Sir,

In acknowledging the receipt of your nomination, dated the ................/cancellation, dated the ...............................of the nomination made earlier in respect of gratuity in Form ................................... ,I am to state that it has been duly placed on record.

Signature of Head of Office

Place ...........................................

Dated the .................................... Designation.............................................

NOTE. - The Government servant is advised that it would be in the interest of his nominees if copies of the nominations and the related notices and acknowledgements are kept in safe custody so that they may come into the possession of the beneficiaries in the event of his death.

32

FORM 3

Details of Family

[See Rule 54(12)]

Name of the Government servant ... ...............................................................

Designation ... ... ... ..............................................................

Date of birth ... ... ... ..............................................................

Date of appointment ... ... ... .............................................................

Details of the members of my family

*as on ... ... ... .............................................................

Serial No.

Name of the members of

family*

Date of Birth

Relationship

with the officer

Initials of the Head of Office

Remarks

(1) (2) (3) (4) (5) (6)

33

1. 2. 3. 4. 5. 6. 7. 8. 9.

I hereby undertake to keep the above particulars up-to-date by notifying to the Head of Office any addition or alteration.

Place............................................. Signature of Government servant

Dated the.......................................

*Family for this purpose means family as defined in Clause (b) of sub-rule (14) of Rule 54 of the CCS (Pension) Rules, 1972.

NOTE. - Wife and husband shall include respectively judicially separated wife and husband.

FORM 5

[See Rule 59(1)(c) & 61(1)]

Particulars to be obtained by the Head of Office from the retiring Government servant

eight months before the date of his retirement

1. Name.

2. (a) Date of birth.

(b) Date of retirement.

34

3. 1Two specimen signatures (to be furnished in an separate sheet) duly attested by a Gazetted Government servant.

4. 2Three copies of passport size joint 3photograph with wife or husband (To be attested by the Head of Office).

5. Two slips showing the particulars of height and 4personal identification marks duly attested by a Gazetted Government servant.

6. Present address.

7. 5Address after retirement.

8. Name of the Treasury or the Branch of Public Sector Bank or the Pay and Accounts Office through which the pension is to be drawn.

9. 6Details of the family in Form 3.

10. Indicate whether family pension is admissible from any other source - Military or State Government and/or a Public Sector Undertaking/Autonomous body/Local Fund under the Central or a State Government.

Place................................................ Signature

Dated the......................................... Designation

Ministry/Deptt./Office

Footnote : 1. Two slips each bearing the left hand thumb and finger impressions duly attested may be furnished by a person who is not literate to sign his name.If such a Government servant on account of physical disability is unable to give left hand thumb and finger impressions he may give thumb and finger impressions of the right hand.Where a Government servant has lost both the hands, he may give his toe impressions. Impressions should be duly attested by a Gazetted Government servant.

2. Two copies of passport size photograph of self only need be furnished if the Government servant is governed by Rule 54 of the Central Civil Services (Pension) Rules, 1972 and is unmarried of a widower or widow.

3. Where it is not possible for a Government servant to submit a photograph with his wife or her husband, he or she may submit separate photographs. The photographs shall be attested by the Head of Office.

4. Specify a few conspicuous marks, not less than two, if possible.

5. Any subsequent change of address should be notified to the Head of Office.

6. Applicable only where Rule 54 of the Central Civil Services (Pension) Rules, 1972, applies to the Government servant.

35

FORM 10

[Rule 77(2)]

Form of letter to the member or members of the family of a

deceased Government servant where valid nomination

for the grant of the death gratuity exists

No....................................................

Government of India

Ministry of........................................

Department/Office.............................

Dated the..........................................

To

...............................................

...............................................

...............................................

Subject :- Payment of death gratuity in respect of the late Shri/ Shrimati........................................

Sir/Madam,

I am directed to state that in terms of the nomination made by the late Shri/Shrimati....................................(Designation) in the Office/Department/Ministry of..............................a death gratuity is payable to his/her nominee(s). A copy of the said nomination is enclosed herewith.

2. I am to request that a claim for the grant of the gratuity may be submitted by you in the enclosed Form 12.

3. Should any contingency have happened since the date of making the nomination, so as to render the nomination invalid, in whole or in part, precise details of the contingency may kindly be stated.

Yours faithfully, Head of Office.

36

FORM 11

[See Rule 77(2)]

Form of letter to the member or members of the family of a

deceased Government servant where valid nomination for the

grant of the death gratuity does not exist

No....................................................

Government of India

Ministry of........................................

Department/Office.............................

Dated the..........................................

To

...............................................

...............................................

...............................................

Subject :- Payment of death gratuity in respect of the late Shri/Shrimati........................................

Sir/Madam,

I am directed to say that in terms of Rule 50 of the Central Civil Services (Pension) Rules, 1972, a death gratuity is payable to the following members of the family of late Shri/Shrimati........................................(Designation), in the Office/Department/ Ministry of ..................................................in equal shares :-

(i) Wife/husband including judicially separated wife/husband.

(ii) Sons including step children and adopted children.

(iii) Unmarried daughters including step children and adopted children.

2. In the event of there being no surviving member of the family as indicated above, the gratuity will be payable to the following members of the family in equal shares :-

(i) widowed daughters including step daughters and adopted daughters;

(ii) father including adoptive parents in case of individuals whose personal law permits adoption ;

(iii) Mother including adoptive parents in case of individuals whose personal law permits adoption ;

(iv) brothers below the age of eighteen years and unmarried and widowed sisters including step brothers and step sisters ;

(v) married daughters ; and

(vi) children of a pre-deceased son.

3. It is requested that a claim for the payment of gratuity may be submitted in the enclosed Form 12 as soon as possible.

Yours faithfully, Head of Office.

37

FORM 12

[See Rule 77(2)]

Form of application for the grant of death gratuity

on the death of a Government servant

(To be filled in separately by each claimant and in case the claimant is minor, the Form should be filled in by the guardian on his/her behalf. Where there are more than one minor, the guardian should claim gratuity in one Form on their behalf}

1. (i) Name of the claimant in case he is not minor ... ... ...

(ii) Date of birth of the claimant ... ... ...

2. (i) Name of the guardian in case the claimants are minors

...

...

...

(ii) Date of birth of the guardian ... ... ...

3. (i) Name of the deceased Government servant in respect of whom gratuity is being claimed

...

...

...

(ii) Date of death of Government servant ... ... ...

(iii) Office/Department/Ministry in which the deceased served last

...

...

...

4. Relationship of the claimant/guardian with the deceased Government servant

...

...

...

5. Full Postal Address of the claimant/guardian ... ... ...

6. (i) Where gratuity is claimed by the guardian on behalf of minors, the names of the minors, their ages, relationship with the deceased Government servant, etc. -

...

...

...

Serial No.

Name Age Relationship with the deceased Government

servant

Postal Address

1. 2. 3. 4.

(ii) Relationship of the guardian with minor ... ... ...

7.

Place of payment of Pension and Gratuity (Treasury, Sub-Treasury, Public Sector Bank branch, or the Pay and Accounts Office)

...

...

...

Signature/Thumb-

38

impression of the claimant/guardian

8.

Two specimen signatures 1or left hand thumb and finger impressions of the claimant/guardian duly attested (To be furnished in a separate sheet)

...

...

...

9.

2Attested by -

Name Full Address Signature

(i) .......................................... ............................................... ................................................

(ii) .......................................... ............................................... ................................................

10.

Witnesses:

(i) .......................................... ............................................... ................................................

(ii) .......................................... ............................................... ................................................

Footnote : 1. To be furnished in case the applicant is not literate enough to sign his name. 2. Attestation should be done by two Gazetted Government servants or two or more persons or respectability in the town, village or Pargana in which the applicant resides.

FORM 13

[See Rule 77(3)]

Form of letter to the widow/widower of a deceased Government

servant for grant of Family Pension, 1964

No....................................................

Government of India

Ministry of........................................

Department/Office.............................

Dated the..........................................

To

...............................................

...............................................

...............................................

Subject :- Payment of Family Pension, 1964, in respect of the late

Shri/Shrimati........................................

Sir/Madam,

I am directed to state that in terms of Rule 54 of the Central Civil Services (Pension) Rules, 1972, a family pension, 1964, is payable to you as widow/widower of the late Shri/Shrimati...........................................(Designation) in the Office/Department/ Ministry of ..........................................

2. You are advised that a claim for the grant of Family Pension, 1964, may be submitted in the enclosed Form 14.

3. The Family Pension, 1964, will be payable till your death or remarriage, whichever event occurs earlier. In the event of your death or remarriage, the Family Pension, 1964, shall be granted to the child or children, if any, through the guardian.

Yours faithfully, Head of Office.

39

FORM 14

[See Rule 77(3) and 81(2)]

Form of application for the grant of Family Pension, 1964,

on the death of a Government servant/pensioner

1. Name of the applicant ... ... ...

(i) Widow/Widower ... ... ...

(ii) Guardian if the deceased person is survived by child or children

...

...

...

2. Name and age of surviving widow/widower and children of the deceased Government servant/pensioner served last

...

...

...

Serial No.

Name Relationship with

the deceased person Date of birth

by Christian era

1. 2. 3. 4. 5. 6.

3.

Name and No. of the PPO of the deceased pensioner

...

...

...

4. Date of death of the Government servant/pensioner

... ... ...

5. Office/Department/Ministry in which the deceased Government servant/ pensioner served last

...

...

...

6. If the applicant is guardian, his date of birth and relationship with the deceased Government servant/pensioner

...

...

...

6-A

If the applicant is a widow/widower the amount of service pension which she/he may be in receipt on the date of death of the husband/wife

...

...

...

7. Full address of the applicant ... ... ...

8. Place of payment of Pension and Gratuity (Treasury, Sub-treasury or Public Sector Bank

40

Branch and Pay and Accounts Office) ... ... ...

9. Enclosures :

(i) Two specimen signatures of the applicant, duly attested (To be furnished in two separate sheets).

(ii) Two copies of passport size photograph of the applicant, duly attested.

(iii) Two slips each bearing left hand thumb and finger impressions* of the applicant, duly attested.

(iv) Descriptive Roll of the applicant, duly attested, indicating (a) height and (b) personal marks, if any, on the hand, face, etc. (Specify a few conspicuous marks, not less than two, if possible.) (To be furnished in duplicate.)

(v) Certificate(s) of age (in original with two attested copies) showing the dates of birth of the children. The certificate should be from the Municipal Authorities or from the local panchayat or from the head of a recognised school if the child is studying in such school. (This information should be furnished in respect of such child or children, the particulars of whose date of birth are not available with the Head of Office).

10. Indicate whether family pension is admissible from any other source - Ministry or State Government and/or a public sector undertaking/autonomous body/local fund under the Central or a State Government

...

...

...

11. Signature or left hand thumb-impression* of the applicant

...

...

...

12. Attested by :

Name Full Address Signature

(i) ............................................ ............................................. ..........................................

(ii) ............................................ ............................................. ..........................................

13. Witnesses :

Name Full Address Signature

(i) ............................................ ............................................. ..........................................

(ii) ............................................ ............................................. ..........................................

NOTE. - Attestation should be done by two Gazetted Government servants or two or more persons of respectability in the town, village or Pargana in which the applicant resides.

*To be furnished in case the applicant is not literate enough to sign his name.

41

FORM 22

[ See Rule 81(4)]

Form of application for the grant of Residuary1 Gratuity

on the death of a pensioner

(To be filled in separately by each applicant)

1. Name of the applicant ... ... ...

2. (i) Name of the guardian in case the applicant is a minor

...

...

...

(ii) Date of birth of guardian ... ... ...

3. Name of the deceased pensioner ... ... ...

4. Office/Department/Ministry in which the deceased pensioner served last

...

...

...

5. Date of death of the pensioner ... ... ...

6. Date of retirement of the deceased pensioner ... ... ...

7. Amount of monthly *pension (including ad hoc increase, if any) sanctioned to deceased pensioner

...

...

...

8. Amount of retirement gratuity received by the deceased pensioner

...

...

...

9. The amount of *pension (including ad hoc increase, if any) drawn by the deceased till the date of death

...

...

...

10. If the deceased had commuted a portion of pension before his death, the commuted value of the pension

...

...

...

11. Total of items 8,9 and 10 ... ... ...

12. Amount of death gratuity equal to 12 times of the emoluments

...

...

...

42

13. The amount of residuary gratuity claimed, i.e., the difference between the amount shown against items 12 and 11

...

...

...

14. Relationship of the applicant with the deceased pensioner

...

...

...

15. Date of birth of the applicant ... ... ...

16. Name of the Treasury or Sub-Treasury at which payment is desired

...

...

...

17. Full address of the applicant ... ... ...

18. Signature or thumb-impression of the applicant (To be furnished in a separate sheet duly attested.**)

...

...

...

19. Attested by :

Name Full Address Signature

(i) ....................................... ........................................... ........................................

(ii) ....................................... ........................................... ........................................

20. Witnesses

Name Full Address Signature

(i) ....................................... ........................................... ........................................

(ii) ....................................... ........................................... ........................................

Footnote : 1. If a retired Government servant in receipt of service gratuity or pension dies within five years from the date of his retirement from service including compulsory retirement as a penalty and the sums actually received by him at the time of his death on account of such gratuity or pension including ad hoc increase, if any, together with the death-cum-retirement gratuity and the commuted value of any portion of pension commuted by him are less than the amount equal to 12 times of his emoluments, a residuary gratuity equal to the deficiency becomes payable to the family.

* When a Government servant has retired before earning a pension, the amount of service gratuity should be indicated. ** Attestation should be done by two Gazetted Government servants or by two or more persons of respectability in the town, village or pargana in which the applicant resides.

FORM 23

[ See Rule 38(3)]

Form of Medical Certificate

Certified that *I/(We) have carefully examined AB son of CD a .............................in the..........................His age by his own statement is..............................years, and by appearance about.............................years. I/(We) consider AB to be completely and permanently incapacitated for further service of any kind in the Department to which he belongs in consequence of ........................... (here state disease or cause).

(If the incapacity does not appear to be complete and permanent, the certificate should be modified accordingly and the following addition should be made.)

*I am/We are of opinion that AB is fit for further service of a less laborious character than that which he had been doing/may, after resting for..............................months. be fit for further service of less laborious character than

43

that which he had been doing.

Medical Authority

Place Dated the

Footnote : * Strike out whichever is not applicable.

1FORM 25

(Superscript 1 Inserted by G.I., Dept. of Per. & A.R., Notification No. 29/4/83-Pension Unit, dated the 15th November, 1984.) [ See Rule 10(1)]

Form of application for permission to Central Services Officers

to accept commercial employment within a period

of two years after retirement

1. Name of the Officer (in BLOCK letters)

... ... ...

2. Date of retirement ... ... ...

3. Particulars of the Ministry/Deptt./Office in which the officer served during the last 5 years preceding retirement (with duration) :

Duration Name of Ministry/ Department Office

Post held

From To

4. Post held at the time of retirement and period for which held

... ... ...

5. Pay scale of the post and pay drawn by the Officer at the time of retirement

... ... ...

44

6. Pensionary benefits :

Pension expected/sanctioned (commutation if any, should be mentioned}

Gratuity, if any

7. Details regarding commercial employment proposed to be taken up -

(a) Name of the firm/company/Co-operative Society, etc.

... ... ...

(b) Products being manufactured by the firm/type of business carried out by the firm, etc.

... ... ...

(c) Whether the official had during his official career, any dealings with the firm, etc.

... ... ...

(d) Duration and nature of the official dealings with the firm

... ... ...

(e) Name of the job/post offered ... ... ...

(f) Whether post was advertised, if not, how was offer made (attach newspaper cutting of the advertisement, and a copy of the offer of appointment, if any)

...

...

...

(g) Description of the duties of the job/post ... ... ...

(h) Remuneration offered for post/job ... ... ...

(i) If proposing to set up a practice, indicate -

(a) Professional qualification/in the field of practice

... ... ...

(b) Nature of proposed practice ... ... ...

8. Any information which the applicant desires to furnish in support of his request

... ... ...

9. Declaration :-

I hereby declare that -

(i) the employment which I propose to take up will not bring me into conflict with Government ;

(ii) my commercial duties will not be such that my previous official position or knowledge or experience under Government could be used to give my proposed employer an unfair advantage ;

(iii) my commercial duties will not involve liaison or contact with the Government departments.

Dated:

Signature of the applicant Address :

Certificate to be submitted by Pensioner

LIFE CERTIFICATE

45

Certified that I have seen the Pensioner

Name of Pensioner)

Holder of the Pension Payment Order No.

That, he is alive on this date.

For -------------- BANK I certify to the best of my knowledge and belief that the above declaration is correct:

Signature of a responsible officer or a well-known person

CRT CERTIFICATE OF RE-MARRIAGE/NON-MARRIAGE

I hereby declare that I am not married / 1 have not been married during the past six months.

OR

I hereby declare that I have not been re-married and I undertake to report such an event to the Bank.

NAME PLACE

Name Place

Designation

Place Signature

Dated Name of the Pensioner

P.P.O.No.

46

I certify to the best of my knowledge and belief that the above declaration is correct:

Signature of a responsible officer or a well-known person

FORM 'OF certificate OF- NON-EMPLOYMENT/RE-EMPLOYMENT I declare that I have not been servicing in any capacity either in a Government department/office, Company, Corporation, autonomous body or Society of Central or State Government or Union Territory or a Local Fund during the half- year ended May/November, 20. ...........

OR

I declare that I have been employed/re-employed in the office of __________________________ which is a part

of/financed by _________________________________ Government and was in receipt of the following monthly rates of

emoluments during the half year ended May/November 20 ............... or

during the months of ___________________ falling within the said half year.

(a) Pay

Special Pay

Allowance

Name Place

Designation

47

(including D.A., A.D.A., etc.)

OR (b) Honorarium Further, that the orders of my re-employment do/do not stipulate my pension being held in abeyance during the re-employment period. OR

I declare that I have not accepted any commercial employment in India.

Or

I declare that I have not accepted commercial employment in India after obtaining previous sanction of the Central Government and none of the conditions. If any, attached there to by Government has been violated. , .

OR

(iii) I declare that I have accepted commercial employment in India without obtaining the previous sanction of the Central Govt. Note: This declaration is required to be given for a period of two years from the date of retirement,

I declare that ! have not accepted any employment under a Government outside India/an International Organization of which the Government of India is not a member.

OR I declare that I have accepted employment under a Government outside India/an International Organization of which the Government of India is not a member after obtaining the previous sanction of the Central Govt. and none of the conditions attached thereto by the Government has been deviated from.

OR

I declare that I have not accepted any employment under a Government outside India / an International Organisation of which Government of India is not a member, without obtaining the previous sanction of the Central Govt. Place ______________ Signature

Dated Name of the Pensioner

P.PO.No.

• Designation of authorized Officer

• (Certificate at (2) and (3) are to be furnished only by retired Group 'A1 officers. )

Application for Rly Employee’s Widow Complementary Pass

1. Name of the applicant: 2. Name of the deceased Rly. Employee : 3. Post Last Held by deceased Rly. Employee: 4. Station of Last posting : 5. Date of Death of Rly Employee 6. Details of Widow & dependents

S.No Name Relation with

Deceased Rly Employee

Age Date of Birth

48

7. Class of Pass entitled to 8. Present address

Signatures/LHTI of Widow Following Documents must be attached: 1.Copy of death certificate 2. Copy of PPO 3.copy of Service Certificate of the deceased employee 4. Copy of Family I.Card. 5.affidavit of the widow declaring that she has not remarried &that her name is not included in the Pass of any relative who happens to be a Rly Employee 6.Two pp size Photo graphs (Attested) of the claimant &each of the dependent entitled to be included in pass

49

Annexure III

END OF LIFE ISSUES

What the spouse/ family should know ?

( Before your departure ) 1. Your will, 2. Birth Certificate 3. Pension papers including retirement certificate if superannuated 4. Marriage certificate if any 5. Property papers- House/ Flat ownership, Real Estate 6. Property Tax papers i.e. Municipal Tax papers, Land and Building Tax papers, Society Tax papers , etc. 7. Rent papers with all correspondence in connection with the same 8. Pending litigation papers if any 9. Court decisions, if any 10. Names of Legal Advisors and their telephone Nos. and addresses 11. Telephone files- first receipt indicating the security deposit 12. Deposit receipts of Gas connection indicating the security deposit 13. Deposit receipts of Electric meter and water connection with amount of security 14. Medical files with last reports 15. Passport, driving license , Identity card, election card 16. Income Tax and Wealth tax files 17. Policy files, LIC, GIC, Health, Medical, Fire Accident etc. 18. Motor car / scooter papers and car/scooter insurance 19. Bank/Post office account with details of each account, Name of the Banks/post office etc. 20. Detail and keys of Bank Lockers with details of Bank and Locker numbers 21. Fixed Deposits should be held jointly to be operated by one of them. Details of maturity and receipt of interest

should be clearly available 22. Cummulative Time Deposits in Post Office / Bank indicating details thereof. 23. Share certificates / Mutual funds- normally the same should be in joint name. 24. Ensure that joint pension Account along with spouse is opened 25. Any other matter of interest to your family

After your Departure

In case of a Govt. Pensioner what the spouse /claimant of family pension need to do

1. Obtain Death certificate

2. Deposit in police station any Arms & ammunition if the deceased had a Arms licence

3. Inform Pension disbursing authority in writing along with a copy of death certificate

4. Open a new S.B. A/c in the pension disbursing bank for receiving Family pension unless you already have a

separate S.B account in your individual name

4. Obtain Family pension claim Form from the Bank, complete it &submit to pension disbursing Bank along with all

enclosures. Obtain acknowledgment.

5. Balance in Pension account Pass book of the deceased. If it is a joint account, you can continue to operate it and can

request the Bank to delete the name of the deceased. In case it is not a joint account you have to apply to Bank for its

closure & payment to you or to all the heirs .Depending on the size of closing Balance ,Bank may ask you to produce

legal heir certificate for which you will have file an application in the competent court having Jurisdiction.

If the deceased was a Rly Pensioners

Then the spouse is also Entitled to complimentary free Rly pass/passes

A. Approach the pass issuing authority i.e. the office from where deceased spouse was taking post retirement pass,

Obtain the form for claiming Widow/widower complimentary passes, fill it up & submit with the following

documents (attested copies).

1.Death certificate 2. Service/retirement certificate 3.Pass entitlement certificate (Form GTB 25) if available 4. PPO

50

Annexure IV

REGISTERED WILL

1. WHAT IS WILL

WILL is a legal declaration of the intention of the Testator (Writer of Will) with respect to his own property (NOT ANCESTRAL) which he desires to be carried into effect after one's death. It is revocable by Testator at any time during his lifetime. However, a registered WILL can be revoked by subsequent registered WILL only. A person writing WILL does a great service to his family and loved ones. There is no stamp duty for immovable property transferred through WILL. It is the prerogative of the person having property to distribute and disinherit anyone from his assets in the manner he considers appropriate and just. There is definite advantage at preparing WILL in comparison with not preparing a WILL.

When head of family is alive, one always says that my children are very good, obedient etc. and would never fight for

property. In today's materialistic world, all such values have disappeared. Everyone is for own family and interest

and don't underestimate the power of spouse of your son and daughter who often make brothers and sisters to fight

for paternal property in courts. Hence, decide now the division of your property by writing and registering same

before area SDM.

2. I AM TOO YOUNG TO BOTHER FOR WILL.

There is nothing you can guarantee yourself a ripe old age. Accidents happen and illness, terrorist attack and earth

quake have been known to turn fatal. Age is not key factor. If you have spouse and children, you must write WILL.

Don't just bless children. Leave them WILL and save them from harassment at Municipal

Corporation/committee/Development Authority/Banks/Insurance and greedy relatives.

3. REASONS WHY SENIOR CITIZENS SHOULD WRITE & REGISTER WILL

.

Make a WILL when you are in sound physical and mental condition and get it registered. It acts as deterrent for miscreants to prove ownership with false documents or documents signed by the elderly under duress if a contesting REGISTERED WILL exists.

4. WILL ON PLAIN PAPER ONLY

WILL can be written on plain paper preferably typed double space (no stamp paper) witnessed by two persons putting one's signature on WILL. Witnesses need not know contents of WILL. It is advised that the witnesses should be young and reliable

In case one is very old it is desirable that a certificate with date from a doctor be obtained on WILL itself (both the

copies of WILL) about the health and capacity of the person to write his WILL.

5. I DON'T HAVE A BIG ESTATE

Most have little idea of the size of our estate and are not sure how to calculate our net worth. Even a small flat costs Rs. 50 lacs in cities like Delhi.& satellite towns of metros.

6. I HAVE NOMINEES FOR MY ASSETS, I DON'T NEED A WILL

Nominees only hold the asset in trust so it can be passed to the legal heirs. For immovable property, one can not nominate "Nominee". Hence you do need WILL for transferring immovable property, business, motor car etc.

7. CONSULT SPOUSE WHILE MAKING WILL.

51

For example, a person has a family of himself, his wife, two major sons and two major daughters. All are well settled and married. He desires to give away Rs. 15 lakhs to his wife and rest to his four children, he can do so by writing his intention in the WILL. However, if he does not make a WILL and were to die intestate, then his all assets will be divided amongst his wife and four children in equal proportion. Which of the options is more desirable?. However, if there is dispute between widow and four children, one has to obtain succession certificate from appropriate local court which may take 3 to 5 years and about 2.5percent of total cost of property and lawyer fee which generally depends upon valuation of total wealth including property and lot of accrimination between the five legal heirs.

9. DON'T NEGLECT THE MARRIED DAUGHTERS. Sons have no birth right to parental property. Daughters

have equal rights for parental property. Son is a son till he gets married; daughter is daughter for ever.

10. MENTION NAMES AND AGE OF LEGAL HEIRS.

The WILL writer must mention the legal heirs, i.e. in the case of male mother, wife, son and daughter with their name, age and address and in the case of female husband, son and daughter. Someone in the family should know where registered Will is kept.

11. WHAT CAN BE BEQUEATHED IN WILL

All properties – movable & immovable self acquired property, i.e. generated through independent income, gift (not ancestral) can be bequeathed by WILL. Ancestral property is one obtained from parental, grand father, parental great grand father etc. However, property inherited from a person other than his father, paternal grand father or great grand father is considered to be self acquired property and therefore can be willed. Give full description and share of property, number, street, floor, area, city and description from whom bought etc. Similarly give description of business, share in business etc.

Generally all movable and immovable property is first bequeathed to spouse and one can mention, if necessary, on

spouse demise to be distributed to son/daughter. One can also mention that spouse has full right to sell the immovable

property.

It helps to have a clearly articulated WILL or succession plan. And it means clearly articulated. Take one case described by Subhash Lakhotia, a Delhi based Tax Consultant. Before his death, this client had equally distributed his property between his sons in a written WILL. The WILL also said "my wife will have the right to stay in the house owned by me". Guess, where his wife ended up: in a small garage that was part of house, thus technically meeting the requirements laid down by her husband.

Wording should have been "My wife would be permitted to stay at the same place occupied by me that includes my bedroom, drawing room, kitchen, lobby and garden".

12. BUSINESS & WILL

If you are a business man, you need to decide who will take over your business after your demise. In proprietary concern, if you don't leave Registered WILL, all legal heirs become owners of business. Hence in your life time, include your spouse as partner in business. .

13. REVISION OF WILL

Making WILL is not a one time affair. If circumstances change like death in family, purchase of house, shop, business and like, new WILL should be written and registered. Subsequent registered WILL WILL can replace an earlier registered

only.

“One can revise one's WILL any number of times "

14. REGISTRATION OF WILL – A MUST FOR PRACTICAL & LEGAL REASONS

IF A WILL IS REGISTERED, it may be possible to get the leasehold property mutated in the name of beneficiary legal heirs in Development Authority/Municipal committee/ corporation etc . It also removes any ground for suspicion. Registered

Will is certainly superior to unregistered one. Registration cost in SDM Office in Delhi is nominal Rs. 100/- and time taken less than an hour. For registration, take two original copies of preferably typed WILL with photo pasted on right hand

52

15. REMITTANCE OF MONEY ABROAD FOR SELLING ANCESTORAL PROPERTY

Large number of parents have their all children abroad and for them it is highly desirable or even essential to write

and register WILL. The properties of such parents when dead are vulnerable to dishonest persons trying to grab the

properties by any foul means on the death of the owner.

Government has now allowed proceeds of sale of such properties to be sent to children settled abroad. The issue of remittance is stipulated under the Foreign Exchange Management Act (FEMA). As per FEMA, an amount upto US$ 1 million can be remitted outside India in a calendar year in case of sale of ancestral property through normal banking channels after obtaining a certificate from a Chartered Accountant certifying that all taxes have been paid. Evidence of inheritance of property like Will have to be shown to bankers for such remittance.

ALL THOSE WHO ARE CHILDLESS AND/OR SINGLE MUST WRITE AND REGISTER WILL

16. REGISTERED WILL & FREEHOLD PROPERTIES

During the last few years, large number of properties have become free hold from lease hold meaning thereby that such properties have no connection from the authorities from which they were purchased, i.e. L&DO or DDA. Hence, on demise of owner of property, there is no need to go to L&DO/DDA for mutation of property. In spite of this, one has to mutate all properties with Development Authority/Municipal Committee/ Corporation etc for Property Tax and other purposes like building plans, water, sewage etc. Hence, it is highly desirable, in fact essential, that as and when a property is purchased, a copy of Registered Deed is immediately submitted to MCD so that information regarding ownership is recorded in Municipal records. Similarly, in case of death, legal heirs should intimate to Development Authority/Municipal Committee/ Corporation etc in the proper forms with death certificate for mutation of property in their names. In case one fails to do so, property in Development Authority/Municipal committee/ corporation etc continues to be in the name of earlier owner and Property Tax is also deposited in the name of earlier owner, which is legally incorrect. If property is on rent to another party, property tax is deductible from house income for income tax purposes.

17. FREEHOLD Properties AND REVERSE MORTGAGE

In case a property is freehold, one can have assured income after 60 years.

18. PROPERTY IN JOINT NAMES

MOST BELIEVE ERRONEOUSLY THAT PROPERTY IS AUTOMATICALLY INHERITED BY SPOUSE . Legally not so. Property can only be inherited legally either by WILL or in the absence of WILL by the laws of intestate succession as applicable to religion.

If, however, property has been purchased jointly by paying proportionate cost of property, both owners should

write separately their WILL only for the portion of which they are owner.

19. Development Authority/Municipal committee/ corporation etc prefer Registered Will for mutation of property.

Property received through WILL by a person is legally his own in all respects and should be mutated/transferred Development Authority/Municipal committee/ corporation etc L&D Office and also in water supply and Electricity Office records by submitting Registered Will, death certificate and other required papers/documents at the earliest. Procure 20 original death certificates , because most authorities insist for original death certificate or notarized death certificate.

Guidelines are available for mutation in Development Authority/Municipal committee/ corporation Office. Best guidance for filing of forms can be obtained from the typists sitting outside these offices.

21. WHAT HAPPENS WHEN THERE IS NO WILL

It is not that property is not transferred if one has unregistered Will. In that case DDA insists that legal heirs should write revocation deed in favour of one to whom they wish property to go. This is in case where all legal heirs agree to give

53

registering same. It is advisable to get property registered in female name because Stamp Duty is only 4% while in other case it is 6%. All properties purchased on Power of Attorney are not properties of POA(Power of Attorney holder) holder in legal sense though fact of physical possession with other documents are in his favour. Many people are reluctant to get the leasehold property converted into free-hold because they feel that it is not necessary since they are in physical possession of flat, have power of attorney and registered Will in their favour. Little do they

realise that power of attorney lapses with the death of the person who issued same. Secondly, registered Will comes into force on the death of the person and one will never know when and where writer of Will dies and chances of getting the death certificate are remote. Also, Development authority insists that in case of registered Will in favour of someone

other than legal heir, no objection affidavit be brought from legal heirs. In such circumstances, it is doubtful if any legal heir will give 'No Objection' to POA holder. The cost of converting the lease hold property to free-hold goes on increasing with the increase in land prices. Hence

the necessity of converting leasehold into freehold at the earliest.

23. CONTENTS OF WILL SHOULD BE KEPT SECRET (IF NECESSARY)

Otherwise the beneficiaries might pick up a row and quarrel with the writer of WILL/beneficiaries as to quantum or proportion of properties disposed of by him as between the beneficiaries. Everyone including rich want free money. Original WILL and registration papers of properties can be kept in bank locker. Never keep any original document in Office.

24. NOTHING PASSES TO SPOUSE AUTOMATICALLY

Most believe that on their demise, property – flat/house/money/shares shall automatically pass on to their spouse. There is

no such provision in any law. Property passes to legal heirs only and spouse gets a portion depending upon the number of legal heirs. If husband and wife have same or different properties both must write separate Wills.

25. WILL AND NOMINATION

Most believe that by making nominations, there is no need for writing WILL. Nothing could be more fallacious than this.

It is important to understand the distinction between a "WILL" and "NOMINATION". A Nomination does not lay down a separate Law of Succession. A nominee does not become owner of the property after the death of nominator. A nominee's name will come on Share Certificate of Society, Company, Bank FD/Account etc. but nominee does not become owner. A

nominee is only a trustee of the legal heirs. In case of contradiction between the contents of a Will and those of Nomination, a Will contents prevail, as Nomination does not give any succession rights.

In case one wishes nominee gets legal title over property, one should write Will in favour of Nominee. In other words,

nominee and person in whose favour WILL is written are same.

26. POWER OF ATTORNEY/GIFT DEED/REVOCATION DEED OF PROPERTY TO R ELATIVES

Reply is emphatic 'No' because one may lose the total property and left in lurch on road. It has happened to many

old persons.

27. ACTION TO BE TAKEN ON DEATH OF WRITER OF WILL

AS PER SECTION 57 READ WITH SECTION 213 OF SUCCESSION ACT, 1925 AND AS HELD IN RAM CHAND GANESH DAS VS. SARDARA SINGH (AIR 1962 PUNJAB 382) AND JAGDISH CHANDER TRIKHA VS. PUNJAB NATIONAL BANK AIR 1998 DELHI PAGE 275-276, IT IS NOT NECESSARY TO GET REGISTERED

WILL PROBATED IN several states . However, in case some one challenges the WILL, it may become necessary to get WILL probated. The stamp fee for getting WILL probated is 2.5 per cent of the total property involved in WILL and lawyer fee. .However it may vary state to state

54

By a Will one can bequeath one's property, present as well as future. A Residuary Clause(s) should make provision about properties not specifically identified in the Will. Clause can be written as follows:

"I GIVE, DEVISE AND BEQUEATH ALL MY MONEY AND OTHER PROPERTY – MOVABLE AND IMMOVABLE WHATSOEVER AND WHERESOEVER – NOT OTHERWISE DISPOSED OF BY THIS WILL AND ANY SUCH MOVABLE AND IMMOVABLE PROPERTY PURCHASED IN FUTURE IN THE MANNER DESCRIBED ABOVE, I.E. FIRST TO……………………………AND ON HIS/HER DEMISE TO MY………………………

29. DRAFTING OF WILL

Get WILL drafted from a person who is well versed with drafting of WILL. Every WILL is special keeping in view relationship in each family before and after death. Remember future peace of your spouse and family depends on WILL.

30. EMPOWER SPOUSE WITH FINANCIAL KNOWLEDGE

Most ladies(working as well as housewives) are not interested in financial matters. They feel that it is man's domain and consequently suffer heavily when one becomes widow. ONLY TIME A WIDOW IS RESPECTED AND LISTENED BY CHILDREN IS WHEN SHE HAS PROPERTY AND MONEY IN HER FAVOUR.

31. PREPARE AN ASSET REGISTER OF SELF AND SPOUSE giving details of movable and immovable property, pension file, income-tax file, Bank accounts, PPF, Senior Citizen Saving account, bank locker No., documents kept in locker, PLACE WHERE WILL kept, passport, other documents etc. Otherwise spouse, relatives spend months/years searching

and listing assets. Also mention names of near relatives/friends who will help spouse (widow) for getting movable and

immovable property in her name from various authorities.

32. Please do not part with your original / photocopies of WILL and any property documents in any circumstances

because hostile person can destroy same. Original documents should be kept in locker and only photo copies with

you.

Above are only some of the guidelines. One may act as per his/her circumstances.

REMEMBER

-YOU CAN WRITE/REWRITE WILL/CHANGE NOMINEE

BUT DON'T FORGET

-YOU CAN NOT REVOKE GIFT / REVOCATION DEED

DON'T GIVE MONEY, PROPERTY

AND POWER OF ATTORNEY

TO ANYONE WHEN ONE IS ALIVE.

55

Annexure V

How should you plan your retirement?

HEALTHY AGEING

Simple practical tips for healthy ageing?

By Dr. V.S. Natarajan - Pioneer in the Field of Geriatric Medicine in India

Plan well ahead.

“50 is the ole age of youth and

60 are the youth of old age”.

Avoid loneliness:

Loneliness is the enemy of old age. Try to avoid this. Cultivate lot of hobbies in life. Reading books, listening to music,

radio, computer, gardening, and spiritual activity are good at old age.

Be independent:

Do your basic work by yourself. It gives you pride and dare in life.

Life without bondage:

When getting older try to reduce your bondage with your family. Live like a droplet on lotus leaf.

56

Vow of silence in a particular day is a wonderful activity for elders. To start with 15-30 minutes gradually increase it up to

two hours. Try to do twice in a week.

Fasting:

Taking low calorie food regularly will increase your life span. Try to fast at least once a week. It gives you strength and brisk.

Your part in the family:

Avoid too much of expectations. It gives you disappointment only. Try to help as much as possible for your family.

Service:

For doing service one need not have a good health and money. Do concern about others. Do counsel others with the help of

your experience to overcome their problems. Do community prayer for the needy.

Pranayama:

Learn pranayama from a qualified teacher. Practice it regularly for a healthy mind and body.

Will:

Write it right now to avoid unnecessary conflicts and confusions in the family.

Spiritual thoughts:

When getting older it is natural to accept the super power above us. It gives you confidence and energy which leads to

peaceful life.

Periodical medical check up:

Even if there are no complaints, periodic health check up is very essential.

Good diet:

Wheat, ragi, pulses, milk, green vegetables, green leaves and fruits can be taken moderately.

Finance:

Finance is very important now. Make a habit to save from your young age to lead your old age. Save for yourself.

Work and rest:

57

Have some fun going picnic with friends and relatives. It gives you more energy. It refreshed your mind.

Home:

Decide the home/place you are going to live at your old age from the middle age itself.

Death:

No medicine to death. It won’t come after announcement. Throw your fear of death and enjoy your life each and every

minute.

EXERCISE

What are the health benefits by doing exercise?

The benefits of exercise far exceed its risks, regardless of the presence of other risk factors. Regular exercise can reduce

mortality rates even for smokers and obese persons. Indirect benefits include opportunities for social interaction, an enhanced

sense of well-being, and possibly an improved quality of sleep.

Improvement of physical and physiologic factors

Regular exercise can preserve skeletal muscle strength, aerobic capacity, and bone density, contributing to mobility and

independence. Exercise is one of the few interventions that can restore physiologic capacity once it has been lost.

Skeletal muscle strength and power (rare of doing work) decline with age. These changes can be prevented, at least partially,

or reversed by appropriate exercise. Regular exercise also promotes a balance energy state and reduces risk of obesity.

Improvement of functional ability

Regular exercise reduces the risk of age-related decline in functional ability, and it appears to improve quality of life by

improving physical functioning and enhancing psycho logic well-being.

Prevention and treatment of disease

In the elderly, regular exercise increases insulin sensitivity and glucose tolerance reduces resting systolic and diastolic blood

pressure, normalizes blood lipid levels including reductions in circulating triglycerides and an high-density lipoprotein

cholesterol, and reduces visceral fat contest. Thus, regular exercise can help prevent cardio-vascular disease (e.g. heart attack,

hypertension, diabetes, osteoporosis, obesity) – related disorders, colonic cancer, and psychiatric disorders. It is part of

rehabilitation after a heart attack or after surgery.

Prevention of falls and fall-related injuries

58

widely publicized) temporary increase in the risk of sudden death during exercise.

Benefits of exercise programs for older persons

• Improved aerobic capacity.

• Reduced mean arterial blood pressure.

• Reduced resting heart rate.

• Increased maximum oxygen consumption

• Increased muscle mass and strength

• Increased bone density

• Increased flexibility

• Improved gait velocity

• Improved lipid profile – especially increase in high-density cholesterol (good (Cholesterol)

• Improved sense of well-being

• Reduces weight

• Prevents constipation

Is there any relationship between exercise and cancer prevention?

In a study conducted in Japan regarding exercise and its relationship to the incidence of cancer, an assessment was made on a

group of sedentary workers up to their old age. It was observed that for those engaged in sedentary work for more than 20

years; the incidence of cancer involving the colon and rectum was increased. In a similar study conducted in U.S.A. young

athletic woman were followed up to their old age. It was found that the incidence of cancer involving breast and uterus was

considerably low.

Thus these two studies indicate that exercise has a direct impact in reducing the risk of cancer.

What type of exercise for elderly?

Of all types of exercise, endurance exercises (e.g. walking, cycling, and swimming) provide the most well documented health

benefits for the elderly. Jogging is generally inappropriate for elderly persons not already accustomed to it.

Patients do not have to be active for 30 minutes at a time but can accumulate 30 minutes over 24 hours. As little as 10

minutes at a time but can accumulate 30 minutes over 24 hours. As little as 10 minutes of exercise has health benefits, and

three 10-minute bouts of activity have the same fitness effects as one 30-minute bout.

For the elderly, walking is generally the most readily available form of aerobic exercise and should be performed for more

than 30 minutes during each session. Elderly people can walk 3 to 5 km daily. Exercises are best done early in the morning or

in the evening. They should not be done on a full stomach. The elderly can exercise as the presence of other participants

makes the session a social event and the group leader can prod them and encourage their continued participation.

59

head or bending forward. Those who have week hearts should avoid strenuous exercises, which can cause breathlessness.

During the month following a heart attack, all forms of exercise except walking should be eschewed.

Does of insulin and oral hypoglycemic in diabetics may need to be adjusted (according to the amount of anticipated exercise)

to prevent hypoglycemia during exercise.

How do we know that excess of exercise have been done?

If you noticed any one of the following events while doing exercise consult your doctor immediately.

• Pulse rate more than 120/minute

• Palpitation – excessive heart beat

• Chest pain

• Difficulty in breathing

• Pain in the joints

• Extreme weakness

Any tips for keep moving?

• No age limit to start exercise

• Physical inactivity is the leading cause of premature death.

• Before starting exercise first, pre-exercise screening by a doctor is essential.

• Do it in the empty stomach – in the morning or evening hours.

• Minimum 30 minutes exercise per day for 5 days per week is a must.

• Those who are unable to do outdoor exercise – choose indoor cycling, treadmill, floor exercises

• Walking stick (cane), walker or frames may be useful for people who are not stable on their feet.

• Group exercise is preferable

So exercise is the best tonic for the elderly, all the benefits of which can be enjoyed without any extra expense.

60

Annexure No 6

Salient features

CENTRAL GOVERNMENT HEALTH SCHEME

The “Central Government Health Scheme” (CGHS) provides comprehensive health care facilities for the Central Govt. employees and pensioners and their dependents residing in CGHS covered cities.

Started in New Delhi in 1954, Central Govt. Health Scheme is now in operation in Allahabad ,Ahemdabad ,Bangalore , Bhubhaneshwar ,Bhopal ,Chandigarh , Chennai ,Delhi , Dehradun ,Guwahati , Hyderabad , Jaipur , Jabalpur , Kanpur , Kolkatta , Lucknow , Meerut , Mumbai , Nagpur , Patna , Pune , Ranchi , Shillong , Trivandrum and Jammu.

The Central Govt. Health Scheme provides comprehensive health care to the CGHS Beneficiaries in India. The medical facilities are provided through Wellness Centres(previously referred to as CGHS Dispensaries) /polyclinics under Allopathic, Ayurveda, Yoga, Unani, Sidha and Homeopathic systems of medicines.

* 248 allopathic dispensaries, 19 polyclinics.,* 78 Ayush dispensary/ units ,* 3 Yoga Centres * 65 Laboratories ,* 17 Dental Units

CGHS Cards: DEFINITION OF FAMILY

In accordance with the initial instructions, the term of Family for the purposes of the Scheme shall consist of the Government servant’s wife or husband, as the case may be children and stepchildren and parents who are mainly dependent on and residing with the Government servant concerned. Subsequently in pursuance of the recommendations of the Sixth Central Pay Commission, it has been decided that for availing the medical facilities under the scheme, parents, sisters, widowed sisters, widowed daughters, minor brothers and children will be deemed dependent on the Government employee if they are residing - with him and their income from all sources including pension and pension equivalent of DCRG benefit is less than Rs. 3500 + DA per month.

ENTITLEMENT OF THE SCHEME :

All Central Government pensioners (except Railway Pensioners and Armed Forces pensioners) who were eligible for availing CGHS facilities while in service are eligible for availing CGHS facilities after retirement. The scheme is also applicable to Central Government employees who retired with Contributory Provident Fund benefits. Similarly families of Central Government employees in receipt of family pension are also eligible to avail of these facilities, if the deceased Government servant was eligible for these facilities while in service.

It is not that only those Central Government employees who were actually availing of CGHS facility during service are eligible to enjoy them after retirement. All retired personnel of Ministries / Department, offices which are eligible to enjoy CGHS facility while in service are eligible to enjoy them after retirement, even if immediately prior to their retirement they were not actually availing or never availed these facilities on account of their posting to a station where CGHS facilities were not available. Extension of CGHS to PSU absorbees:- CGHS facilities may be extended to those PSU absorbees who had commuted 100% of their pension and t6hey have been restored 1/3rd portion of their pension after 15 years in terms of the order of the honourable Supreme Court of India dated 1st May, 1998 . The contribution to be made will be decided by the Grade pay that they would now have drawn in the govt. in the post held by them but for their absorption in the PSU. ( OM No C. 1401/11/2003- CGHS- Desk I Dated 18. 8.2009)

TRANSFER

In case the. Central Govt. Employees is transferred to uncovered city leaving behind his family, the Government Employee is not entitled for the medical benefits either for himself or for his family under the Scheme but will be governed under CS(MA) Rule. In the event of the posting of the Central Govt.Employee to North Eastern Region Andaman and Nicobar Is-lands & Lakshadweep and his family members continue to stay in an area covered by the Scheme temporary family permit for availing CGHS benefits will be issued to the family members by depositing advance usual contribution. But in such cases the Central Govt. Employee himself will be governed under CS(MA)

61

Card/Plastic card with there Photo affixed

PRODUCTION OF CGHS CARD

The production of CGHS Card is obligatory at every visit to enable correct identification of the patient and to prevent misuse of card. The misuse of card is a cognizable offence. However, in view of humanitarian service, essential and immediate treatment should not be denied to the patient but the beneficiary should be advised to bring the CGHS Card at the time of subsequent Visits and if considered necessary, a note may be made in OPD ticket of the patient. The production of CGHS Index Card in the dispensary will enroll the card holder as a member of the said dispensary. The renewal of Pensioners’ card shall be done in the dispensary. The Indian Postal Order should be sent to Pensioner Cell, Nirman Bhavan/DDO Office outside Delhi, regularly on Or before 6th day of the following month. Before accepting the IPO the Chief Medical Officer In charge must see the date of issue of I.P.O/ DDs which should be within one month of issue from the Post Office. The Chief Medical Officer in charge will obtain a certificate from each pensioner for any rise of pay/pension due to incremental rise after every two years for calculation of rate of pension or the fact may he verified from his pension payment order before revalidation of card. The Chief Medical Officer Incharge may therefore re-fix the rate of contribution accordingly. In case of Pensioner the transfer of card from one dispensary to another shall be) done by the Chief Medical Incharge of the dispensary.

REGISTRATION OF CGHS CARD IN DISPENSARY

Card Holder must deposit the Index Card in the dispensary and obtain receipt from the receiving clerk. The receiving clerk, will initial the token card in confirmation. Until he deposits the Index Card. he is not entitled for treatment in the said dispensary. On transfer to another dispensary the Card Holder must collect the index card from the dispensary and deposit the same along with necessary forms (in duplicate) to the new dispensary which has been allotted to him. It is only after the deposition of Index Card in the dispensary that the members mentioned in the token card are entitled to obtain CGHS facilities.

SURRENDER OF CGHS CARD

The CGHS Identity Card held by the beneficiary other than Pensioner, General Public, Ex- MPs etc. must be surrendered to the issuing authority in the following events:-

(a) Retirement /Resignation

(b) Death of Government Servant.

(c) Transfer of Govt. Servant to another office. The Govt. servant if transferred to another office where he/ she is again entitled far CGHS benefits must apply and obtain a new Identity Card.

Pensioners, EX-M.Ps Member of General Public etc. are also required to surrender their Identity Cards to the issuing authority on its expiry in case they no longer desire to avail CGHS facilities.

MISUSE OF CGHS CARD If the Medical Officer detects a case of misuse of CGHS Token Card by unauthorized person, he will bring to the notice of Chief Medical Officer In charge and / or the matter reported to the Zonal HQ/ ete. for further necessary action.

LOSS OF IDENTITY CARD

As a lost card is likely to be misused the card holder must inform immediately to the Police and inform the following with a, copy of F.I.R.

(i) Issuing authority.

(ii) M.O. Incharge of the concerned dispensary.

(iii) Headquarters of CGHS in the cities other than Delhi. A duplicate card can be issued after realising penalty of Rs. 5/- for 1st instance. 2nd... instance Rs. 7/-, 3rd and subsequent instance Rs. 10/- . In case of individual Plastic Cards in Delhi – the procedure is same but , the penalty is Rs.50/-

DEPENDENCE CERTIFICATE Every Card Holder must certify that the parents /Dependents whose names have been included in the token card, normally reside with him. Such a certificate must be furnished at the time of issue of Token Card and renewed every January. Otherwise the parents shall be treated as non entitled persons. The certificate must also state that the income from all sources does not exceed Rs. 3500 + DA p.m.

Facilities not permissible to the Pensioners :

1. Treatment in Non-recognized hospitals / nursing home except in

Emergency.

62

1. Pensioners/Family Pensioners residing in an area not covered by CGHS (or corresponding health schemes of

other Ministries/ Departments), and who have specifically opted for not availing of outdoor facilities from the nearest

CGHS dispensary, are entitled for a fixed medical allowance per month for meeting day-to-day medical expenses

that do not require hospitalization.

2. Pensioners who have opted for availing medical allowance, but also desire to avail CGHS facilities for indoor Hospitalization treatment from the nearest CGHS covered city, can be issued CGHS cards bearing stamp "NOT VALID

FOR OPD TREATMENT".

CGHS HELPLINE :ITel. 011-66667777 ,E-mail- helpline-cghs@nic.in ,

Revised Rates of Contribution To CGHS & Entitlement of Private Ward

(A) Monthly Contributions for availing CGHS facility:

s. No.

Grade pay drawn by the officer

Contribution (Rupees per

month) 1

Upto Rs. 1 ,650/- per month

50/-

2

Rs. 1.800/-; Rs. 1,900/-; Rs.2,000/-; Rs.2,400/-; and Rs.2,800/- per month

125/-

3

Rs. 4,200/- per month

225/-

4

Rs. 4,600/-; Rs.4,800/-; Rs.5,400/-; and Rs.6,600/- per month

325/-

5

Rs. 7,600/- and above per month

500/-

(B) Entitlement of wards in private hospitals empanelled under CGHS:

S. No.

Ward entitlement

Pay drawn in pay band

1

General Ward

: Upto Rs. 13,950/-

2

Semi-private ward

: Rs. 13,960/- to Rs. 19,530/-

3

Private ward

: Rs. 19,540/- and above

(C) Monetary Ceiling for Free Diet:

The monetary ceiling for free diet for CGHS beneficiaries is revised to pay / pension / family pension of Rs. 7,450/-per month.

(D) Monetary ceiling for free diet for beneficiaries suffering from TB or mental disease):

The monetary ceiling for free diet in case of beneficiary suffering from TB or Mental disease is revised to pay / pension / family pension of Rs. 11,160/-per month

(E) Pay slab for determining the entitlement of Nursing Home facilities in Government/State

Government/Municipal Hospitals:

The monetary ceiling for determining the entitlement of nursing home facilities in Central Government / State Government /Municipals Hospitals is revised to pay / pension / family pension Rs. 13,950/- per month and above

63

The revised entitlement, be revised as per the pay drawn by the officials, as given below:

s. No.

Pay (in the pay band)/ Pension / Family

Pension drawn per month

Ward entitlement

1

Upto Rs. 19,530/-

General Ward

2

From Rs. 19,540/- to Rs. 25110/-

Private Ward 3

Rs. 25, 120/- and above

Private Ward / Deluxe Ward

3. It is clarified that the reference to pay in this order relates to the pay drawn in the pay band.

4. Pensioners have an option to get their CGHS pensioner card made by either making CGHS contribution on an annual basis (twelve months) or by making contribution for 10 (ten) years [120 months(one hundred and twenty months) ] for getting a pensioner CGHS card with life-time validity. It is clarified that:

(i) Contributions to be made by pensioners & family pensioners would be the amount that they were subscribing at the time of their retirement or at the time of death of the Government servant;

(ii) Pensioner beneficiaries, who have already obtained CGHS card with life time validity by paying a lump sum amount equivalent to 10 years' contribution, will not be required to pay any additional amount as a result of the revision in the rates of contribution for availing CGHS facility;

(iii) Entitlement of pensioners & family pensioners, who have already deposited their contribution for life time CGHS facility, will not be changed;

(iv) Pensioners & family pensioners who are contributing to the CGHS on an annual basis and wish to continue to avail CGHS benefits will have to contribute at the revised rates upto the time of contribution needed to cover a period of a total of ten years from the time pensioner CGHS card was issued for the first time to them. The revised rate of contribution for the remaining period would be with reference to the grade pay that he / she would have drawn in the post held by him / her (at the time of his / her retirement / death) had he / she continued to be in service now but for his / her retirement / death; and

(v) Any pensioner / family pensioner who is entitled to avail CGHS facility has not so far got his / her pensioner CGHS card made, the rate of contribution in such cases will be with reference to the grade pay that he / she would have drawn in the post held by him / her (at the time of his / her retirement / death) had he / she continued to be in service now but for his / her retirement / death. (M.O. No. S.11011/2/2008-CGHS ( P ) dated 20.05.09 Ministry of H & FW )

Referral procedure

CGHS/ Govt. Specialist / CMO i/c advises specific treatment procedure / test. Permission to undergo same at one of the recognized Hospitals / Diagnostic centre is granted by CMO i/c in case of pensioner CGHS beneficiaries / ex- Members of Parliament / Freedom Fighters / ex- Governors , etc., by CMO i/c of Concerned dispensary and by Rajya Sabha Secretariat as the case may be in case of Hon'ble Members of Parliament and by HOD in case of Serving Govt. employees and by Autonomous bodies in case of serving employees and pensioners of Autonomous bodies covered under CGHS. If the beneficiary seeks permission from a CGHS recognized hospital in another CGHS city , other than the city where he is registered , permission shall be granted by Addl. Director / Joint Director CGHS of concerned city. However , no TA/DA shall be permitted if treatment facilities are available in the city of residence; TA as per entitlement is permitted if no treatment facilities are available in city of residence. OPD treatment in private recognized hospitals is not permitted except in case of Satellite cities of Delhi , viz., Noida, Gurgaon, Faridabad and Ghaziabad , wherein the CMO i/c can directly refer the beneficiaries to recognized hospitals and in post operative follow up cases of Cardiac surgery, Cancer treatment, Kidney transplantation, Hip/Knee Joint Replacement , Neurosurgery and Accident cases. OPD medicines are to be collected through concerned dispensary except in case of emergency , in which case reimbursement shall be considered by HOD of department / Joint Director/Addl. Director of CGHS in case of

64

hospital is available nearer than the private hospital. Question has been raised about the need for transferring the patient to Government/ Recognized Hospital after the emergency is over for obtaining further treatment. It is clarified that the patient while he is in a private hospital should act according to the advice of the hospital authorities. He should get discharged form the hospital only when the hospital authorities discharge him. After discharge, the beneficiary may submit his medical reimbursement claim. Powers in this regard have been delegated to the Head of CGHS organization in various CGHS covered cities in respect of both serving beneficiaries as well as pensioners for deciding which cases fall under tire emergency category. Since it is not possible to obtain prior permission in emergency, treatment taken by CGHS beneficia r ie s in emergency will be considered on merits even if the treatment is taken from a non-recognized private hospital. For granting ex-post-facto approval in emergency cases both for serving/ pensioner beneficiaries, the power is delegated to the Head of the concerned CGHS covered city where the beneficiary is registered.

Reimbursement Unlike cases of treatment in Govt/Private Hospitals with the prior approval of the competent authority where the claim for reimbursement is required to be submitted within three months (in the prescribed application form medical see annex 6A ) & supported by essentiality certificate etc. in case of treatment taken in emergency the claims are required to be submitted within one month of the date of discharge form the hospital/clinic etc.

Credit Facilities in Pvt. Recognized Hospitals for Emergency Treatment.

. In accordance with the orders of the Ministry of Health & FW vide their O.M. No, Rec -24/ 2001/JD (M)/CGHS/Delhi/CGHS(P) dt. 7-9-2001. In case of emergency, the recognized Private hospital shall not refuse admission or demand advance from the beneficiary & shall provide Credit Facility to the concerned patient on the production of valid CGHS Card. The recognized CGHS Hospital /diagnostic centre shall submit the bill for re-imbursement subject to the ceiling of approved rate to the respective Department / Addl. Director CGHS where the payment is made by CGHS Directorate. In case of reimbursement when the treatment was obtained in a private non-empanelled hospital under emergency

Vide OM No; 4-l8/2005-C&PfVol. I- Pt. (I)] Dated 20.02. 2009 Ministry of H &FW it has been decided: (1) To do away with the procedure for verification of bills and issue of essentiality certificate by the treating doctor, and the Medical Superintendent of the hospital. Ministries / authorities concerned may verify and check the authenticity of the claims on the basis of the prescription slip and the diagnostic report submitted by the Government servant / pensioner, in the event of any doubt, the concerned Ministry / Authority can always get verification done from the hospital concerned. Modified reimbursement claim form, along with checklist is annexed ( see annexure 6A)

(2) All cases involving requests for relaxation of rules for reimbursement of full expenditure will henceforth be referred to a Technical Standing Committee, to be chaired by the DGHS / Addl. DGHS and consist of Director (CGHS) and subject matter specialists. If the Technical Standing Committee recommends the relaxation of rules for permitting full reimbursement of expenditure incurred by the beneficiary, the full reimbursement may be allowed by the Secretary (Heaith & Family Welfare) in consultation with IFD. A check list for consideration of requests for reimbursements in excess of approved rates may include: (a) The treatment was obtained in a private non-empanelled hospital under emergency and the patient was admitted by others when the beneficiary was unconscious or severely incapacitated and was hospitalized for a prolonged period;

(b) The treatment was obtained in a private non-empanelled hospital under emergency and was admitted for prolonged period for treatment of Head Injury, Coma, Septicemia, Multi-organ failure, etc.;

(c) The treatment was obtained in a private non-empanelled hospital under emergency for treatment of advanced malignancy;

(d) The treatment was taken under emergency in higher type of accommodation as rooms as per his / her entitlement are not available during that period;

(e) The treatment was taken in higher type of accommodation under specific conditions for isolation of patients to avoid contacting infections;

(f) The treatment was obtained in a private non-empanelled hospital under emergency when there is a strike in Government hospitals;

(g) The treatment was obtained in a private non-empanelled hospital under emergency, while on official tour to non-CGHS covered area;

65

beneficiary direct from any local chemist. The concerned medicines would be procured by the CGHS dispensary from its approved chemist and supplied to the beneficiary. However, powers have been delegated to the Heads of the Ministries / Departments and the Additional / Joint / Deputy Directors of the CGHS covered cities to reimburse the expenditure incurred by the CGHS beneficiaries on purchase of medicines directly from authorized / registered chemist shops during emergency. What constitutes emergency has been left to the judgement of the

Administrative Ministry/ Departments and the Additional / Joint / Deputy Director of the CGHS covered cities

who will consider and decide the quantum of reimbursement for medicines and service provided / procured in such

situations, provided hospitalization is not involved and for which separate provision exists.

The CGHS beneficiaries and their family members are supplied medicines prescribed by the Doctors in the

CGHS dispensaries free of cost. In case of the beneficiaries taking treatment in the hospital (Govt./

Referral/Private Recognized) as out-door patient, medicines prescribed by the specialists of these hospitals in the

OPD are supplied by their respective dispensaries. However, the expenditure incurred during hospitalization as in-

door patient is re-imbursable. The concerned government servant is required to submit his claim in the prescribed

pro forma to his department within three months of the date of discharge from the hospital (within one month from

the date of discharge in case of treatment taken in emergency).

Reimbursement from Two sources : Beneficiaries who have subscribed to Medical insurance policies in addition to

availing CGHS facilities/ C S. (MA ) Rules 1944 may be allowed to claim reimbursement from both the sources subject

to the condition that the reimbursement from such sources should not exceed the total expenditure incurred by the

beneficiary on the treatment. The beneficiary will make first claim to the insurance company, & second claim to CGHS

or Ministry/ department concerned. The insurance company will issue certificate indicating the amount reimbursed. (

OM No. S. 11011/4/2003-CGHS ( P ) Dated 19-02-2009

Individual plastic card mandatory; w.e.f 31 03.2010 individual plastic cards in lieu of existing paper board cards are

mandatory for CGHS beneficiaries in Delhi. New individual plastic cards in other cities shall also be issued by CGHS

bearing unique beneficiary identification. No (Ben I D No ) for each beneficiary { OM No Misc. 6024/2007/ CGHS

(HQ)/ CGHS ( P ) dated 30-12-2009}

Documents Required for Submission of Medical Bills

1. Individual's representation 2. Medical Reimbursement Form dully filled 3. Cash vouchers countersigned and stamped by the Medical Officer.

4. Prescription. 5. Xerox copy of the CGHS Identity Card. 6. Distance from residence to the Private Hospital and to the nearest Govt. Hospital (in case of treatment taken in

emergency). 7. Medical History Sheet/Discharge summary.

66

ANNEXURE- 6A CENTRAL GOVERNMENT HEALTH SCHEME

MODIFIED CHECK LIST FOR REIMBURSEMENT OF MEDICAL CLAIMS

1. CGHS Token /plastic card No. and place of issue : (or Ben I D of Employee/Pensioner) 2. Validity of CGH Card /Plastic card (For pensioners) & : from…………to…………. Entitlement : Pvt. / Semi Pvt./General Ward 3. Full name of Card Holder (Block Letters) : 4. Status (Govt. Servant/Pensioner/Other) : 5. The following documents are submitted : {Please tick (-/) the relevant column} (a) Medical 2004 Form : Yes/No (b) Photocopy of CGHS card : Yes/No. (c) No. of Original Bills : ………… (d) Copy of discharge summary : Yes/No. (e) Copy of referral Specialist/CMO : Yes/No. (f) Whether the hospital has given breakup : Yes/No. for lab investigations (g) Original papers have been lost the following documents are submitted— I. Photocopies of claim papers : Yes/No II. Affidavit on Stamp Paper : Yes/No. (h) Incase of death of card holder the following documents are submitted---- I. Affidavit on Stamp paper by Claimant : Yes/No. II. No objection from other legal Heirs on Stamp papers : Yes/No. III. Copy of death certificate : Yes/No. Dated:………………….. Signature of CGHS card holder Tel. No. (O) ( R) e-mail Address Name of the Bank …………. ……… Branch…………………..SB A/C No. Branch MICR Code ……………….. Tel. No. of Bank Branch………………..

67

CENTRAL GOVERNMENT HEALTH SCHEME MEDICAL 2004 FORM FOR REIMBUREMENT OF MEDICAL CLAIMS OF CGHS BENEFICIARIES.

Computer No. (To be filled by the claimant)

1. CGHS Token/Plastic card No. and Place of issue :

(or Ben I D of Employee/Pensioner)

2. Validity of C GHS Token Card/Plastic card : from………………to……………

& entitlement : Pvt. / Semi Pvt. /General Ward

3. Full name of the card holder (Block Letters) :

4. Full address :

5. Telephone no. (O)………………… ( R) …………………..

6. E-mail address if, any.

7. Name of the Bank …………. …… Branch………………SB A/C

Branch MICR Code ……………….. Tel. No. of Bank Branch………………..

8. Name of the patient & relationship with the card holder :

9. Status tick (-/) (Govt. Servant/Pensioner/Serving employee or pensioner

of autonomous body/Member of Parliament/Ex-M.P./Ex-

Governor/Former Judge of Supreme Court/Former Judge of High

Court/Freedom Fighter/Legal Heir/others)

10. Basic Pay/Basic Pension

11. Name of the Hospital with Address:

(a) OPD treatment and investigations.

(b) Indoor Treatment.

12. Date of admission……………………..Date of discharge………………….(In

case of Indoor Treatment only)

13. Total amount Claimed

(a) OPD Treatment.

(b) Indoor Treatment.

14. Details of Referral :

68

I hereby declare that the statements made in the application are true to the best of my knowledge and belief and the

person for whom medical expenses were incurred is wholly dependant on me. I am a CGHS beneficiary and the

CGHS card was valid at the time of treatment. I agree for the reimbursement as is admissible under the rules.

Dated: Signature of CGHS card holder

Note: Misuse of CGHS facilities is a criminal offence. Suitable action including cancellation of CGH card shall be

taken in case of willful suppression of facts or submission of false statements. Suitable disciplinary action shall be

taken in case of serving employees.

INFORMATION

a) Kindly write correct postal address in block letters

b) Obtain Break up of Investigations from the hospital (details and rates of

individual tests and the exact number of Sugar tests, X-ray films, etc.,) as the

reimbursable amount is calculated as per approved rates only.

c) Draft against column (I) of check list – in case of loss of Original Papers

69

Draft for Affidavit for Duplicate Claim Papers/bills on Stamp Paper

I, …………………….son/wife/daughter of …………………….and resident of

lost/ misplaced/not traceable. I hereby give an undertaking that I have not

received any payment against original bills/claim papers from any source and

that if the original papers are traced I shall not stake claim against original bills

in future and that in the event I receive any cheque against original bills in future

I shall return the same to competent authority.

Deponent

Verified by Notary Public

d) Draft against column (I) of check list-in case of Death of Card holder

Draft for Affidavit on Stump Paper for claiming medical reimbursement

I, ……………………wife/son/daughter of Late………………………..and resident

of ………………hereby submit the medical claim papers pertaining to treatment

of my father/mother/……Late Shri/Smt……..who has expired on………(copy of

Death Certificate is enclosed).

Late Shri/Smt……..has left behind the following other legal heirs none of whom have any objection if the entire

amount reimbursable is paid to me.

……………………………………….

……………………………………….

No Objection Certificate signed by other legal heirs on Stamp paper is

enclosed herewith.

Deponent

Deponent

Attested by Notary Public

Draft for No Objection Certificate on Stamp Paper.

We…………………s/o d/o Late Shri……………………..

…………………s/o d/o Late Shri……………………...

being the legal heirs of Late Shri……………………have no objection if the entire amount reimbursable pertaining

to the treatment of our father is paid to our brother Shri………………. Address

70

Annexure 7

Salient features

Retires Employees Liberalized Health Scheme (‘RELHS-1997”).

(1) Retired Railway employees covered under RELHS-97 are provided with full medical facilities as admissible to serving employees in respect of medical treatment, investigations, diet, and reimbursement of claims for treatment in Govt. or recognized non railway hospitals. They will also be eligible inter-alia, for a) ambulance services b) Medical passes.

c) Home visits. d) Medical attendance for first two pregnancies of married daughters at concessional rates and e ) Treatment of private servants as applicable to serving railway employees.

Note: (i) Those who join the RELHS-97 shall hold identity cards with photographs of all the beneficiaries.(ii)For the purpose of d) of sub Para (1)above special identification cards will be issued duly affixing photographs of married daughters with clear instructions on the card which shall read “ ONLY FOR CONFINEMENT AND TREATMENT DURING ANTE-NATAL AND POST NATAL PERIODS FOR THE FIRST TWO PREGNANCIES AT CONCESSIONAL RATES” ({ IRMM 2000 Sub-Section(11) Retired Employees 612A.)

( iii )RELHS Medical I. Card : Though valid through out Indian Railways is required to be registered in a Railway hospital / dispensary nearer to the place of residence of the beneficiary. Who should normally avail medical treatment from his own Railway Hospital/ dispensary unless he is referred to other Railway Hospital for specific reasons.

( iv ).Beneficiary carrying a RELHS medical I. card can obtain medical treatment from any Railway hospital / dispensary all over Indian Railways in case of medical emergency situation.

(v).During temporary stay at some other place beneficiary should carry his/her medical I. Card with him/her and report in writing to the nearest Railway Hospital /dispensary intimating the concerned Medical officer regarding the planned duration of his stay, so that proceedings can be done, after that he can avail medical treatment for that duration in the place of his temporary stay.. ( Rly. Bd. No 2006/H.I./13/RTI dtd 29.12.2006)

(vi ).When one of the family member moves out of station carrying RELHS Medical I. card with him/her :-

a) Short duration :- Attested Photocopy of RELHS medical I. card will be considered a valid document for availing outdoor medical facilities at a Railway hospital/health unit. However, in case of a medical emergency indoor treatment will be allowed on the basis of attested photo copy of I. card in railway & private recognized hospital but the original medical I. Card will have to be produced with in 15 days.

ii) Long duration: - The original card may be deposited with the issuing authority who may issue split medical I. cards to the beneficiaries as requested by them

( Rly Board No 2004/H/28/1 RELHS/Card dtd 22.03.05)

(2) Eligibility: Minimum 20 years of qualifying service in the Railways will be necessary for joining the scheme and the following categories of persons will be eligible to join the same:

(i) All serving Railway employees desirous of joining the scheme will be eligible to join it in accordance with the procedure laid down herein under “Mode of Joining”,

(ii) All retired Railway employees who were members of the old RELHS will automatically be included in the RELHS ’97.

(iii) Spouse of the Railway employee who dies in harness.

(iv) Family pensioners whose spouse had the requisite 20 years of qualifying service

71

{ Rly. Bd No 2003/H/28/1 RELHS dated 16.03.2009 , 2007/H/28./1/RELHS/Misc dated 30.11.09 & No. 2009/H/23/2 dtd. 11.12.2009}

Note .With effect from 16.03.09 RELHS has been made mandatory for all retiring Rly employees .In case the retiring officer/staff is unwilling to join the Scheme he/she should clearly submit his/her unwillingness in writing in the declaration Performa along with reasons thereof. This shall be treated as final and no further chance will be given to join the scheme thereafter.{ Rly. Bd No 2003/H/28/1 RELHS dated 16.03.2009 & 8.04.09}

(3) Family/Dependents:

Definition of ‘family’ for the purpose of this scheme will be the same as in respect of the serving Railway employees. The definition of “dependant” will be the same as in the Pass Rules.

However, unmarried sons over 21years of age without an upper age limit, even if not a student or invalid provided they are wholly dependent on & resides with Railway Employee/Pensioner will be covered in the definition of Family. (Rly Bd No. 2008/H-I/2/15 dated 16.02.09) Also the widowed daughters, irrespective of their age, provided they are wholly dependent on Railway employee/pensioner and legally divorced sister, if father is not alive will be covered in the definition of family /dependents ( Rly Board No.2008/ H-I/2/15 dated 16.02.2009 &even No dtd 26.10.2009

(4) Rate of contribution:

a) For joining RELHS ’97, one time contribution equal to the last month’s basic pay will have to be made at the time of retirement by those who join the scheme. The persons who are already members of the existing RELHS are not required to make any fresh payment. However, those who joined the existing RELHS after 1.1.96 had to pay the difference of one time contribution on account of introduction of fifth pay commission’s revised pay scales w.e.f. 1.1.96..Similarly those who have joined the existing RELHS -97 after 1.1.06 have to pay the difference of one time contribution on account of introduction of sixth pay commission’s recommendations. It will be the responsibility of the Railway Administration to realize the amount due from the concerned RELHS members

b) In respect of employees who have already retired on the date of reopening of RELHS & who had not joined RELHS earlier ,one time contribution will be Twice the revised basic pension . . ii) For family pensioners: A sum equivalent to double the amount of their revised normal family pension as on the date of joining

iii) For SRPF Optees : For those SRPF Optees or their widows for whom ex-gratia payment has been approved on the basis of the recommendations of the V CPC, a one time contribution at twice the ex-gratia monthly payment may be deposited.

vi). For Ministers: An amount equivalent to one Month’s basic Salary drawn, on the date of enrolment, by an in position Minister of equal status.

(Rly Bd’s Letter NO2000/H/28/1(RELHS) dt 23-06-2000) , Rly. BD No 2003/H/28/1/RELHS dated 16.3.09 & No. 2009/H/23/2 dtd. 11.12.2009)

(5) Mode of Joining ;

Joining RELHS -97 has been made mandatory w.e.f 16.03.09 in case retiring officer/staff is unwilling to join the scheme, he/she should clearly submit his/ her unwillingness giving reasons thereof. No further chance will be given to them thereafter.

b) Such of the post 16-03-09 retirees who have not yet joined the scheme are given last & final chance to join by 31-03- 2010 the medical I. card will be issued by the personnel department of the concerned Railway on realization of contribution due..( Rly. BD No 2003/H/28/1/RELHS dated16.3.09) or the personnel department of the Division from which the retiree is drawing post retirement passes.( Rly board No2005/H/28/1/RELHS dated 31.08.09.)

For Ministers: - The CPO of the Zonal Railway from where they wish to avail of Railway Medical facilities, May be contacted. It will be the responsibility of the concerned Zonal Railway to issue Medical Card on realization of contribution due from the ex ministers/dependants for joining the scheme.

Providing Medical Treatment of Rly Beneficiaries:

72

action plan. The action plan could be:-

a) It may be possible to provide the medical treatment within the facilities as available within the Health Unit/Railway Hospital set up at a distance which can be traveled by the patient conveniently.

B) For those cases which can not be managed as per (a above, following alternative methods can be adopted.

B.I) To avail services from Government Hospital.

B.2) To avail services from Recognized Private Hospital for particular Disease/Diseases.

B.3) In exceptional cases, it may be essential to avail services from Unrecognized Private Hospital.

Note: Adequate number of proper quality Private Hospital should be recognized to facilitate Railway Doctors to provide proper treatment to Railway patients if in house facilities are not adequate.

System to be followed to get Medical treatment done from Unrecognized Private Hospital.

A) For those cases where there is no emergency: - Proper proposal with estimate recommended by Standing Medical Board of the Railway Hospital , recommended by MD/CMS/MS in charge of the Hospital, CMD of Zonal .Railway and duly concurred by FA&CAO should be sent to Railway Board to obtain prior approval of Railway Board.

B) For those cases where there is an emergency :-

B.I) A proposal from CMD with some rough estimate to be sent to DG/RHS by Fax for administrative approval of DG/RHS. Approval will be send by fax with in hours.

B.2) After office hours and on holidays, administrative approval from DG/RHS to be obtained over telephone. In case DG/RHS is not available, information can be left with EDH/EDH (P). Administrative approval by Fax to be obtained as per Para (B.I) on next working day. ( Rly Board No. No. 2005/H/6-4/Policy-II dated: 16 .04. 2007)

Treatment in an emergency: 1) Where, in an emergency, a Railway employee or his dependant has to go for treatment (including confinement) to a Government hospital or a recognized hospital or a dispensary run by a philanthropic organization, without prior consultation with the Authorized Medical Officer, reimbursement of the expenses incurred, to the extent otherwise admissible, will be permitted.

(Para 648 IRMM 2000 Vol. I)

"Emergency" shall mean any condition or symptom resulting from any cause, arising suddenly and if not treated at the early convenience, be detrimental to the health of the patient or will jeopardize the life of the patient. Some examples are- Road accidents, other types of accidents, acute heart attack etc. Under such conditions, when the Railway beneficiary feels that there is no scope of reporting to his/her authorized Railway Medical Officer and avails treatment in the nearest and suitable private Hospital, in which case Authorized medical officer should be informed at the earliest ( not later than 24 hrs.) the reimbursement claims are to be processed for sanction, . Genuineness of emergencies is to be established at the earliest by any means of communications and not later than 24 hours of the patient being admitted in the Private Recognized Hospital. . In case the genuineness of emergency is not established, then the reimbursement to the patient for the amount he paid to the private hospital will be limited to the CGHS rates only for the bill raised till decision is taken on emergency by Railway doctor . (Rly. Bd.No,2007/H/ 28/I /RELHS/Smart card dated : 2 4 .07. 08) For establishing emergency condition ex-post -facto. Authorized Railway Medical officer shall examine, following parameters on record:- (a) Admission details ,(i) Date and time of admission.,(ii)Admitted through OPD service/ emergency service. (iii) Admitted to an ICU bed or general bed or cabin bed., (b) Clinical findings at the time of admission. Following findings should be made available and critically evaluated:- (i) Pulse rate. (ii) B.P.,(iii) Level of consciousness ,(iv) Any convulsive feature. (v) Urine output (vi)

73

2) In case of following symptoms patient should report to nearest competent doctor for consultation & further advice :(i) In case of pain any where in chest, (ii) In case of pain in abdominal region, (iii) In case of sudden weakness in one or both upper or lower limb or sudden weakness in one or both upper or lower limb accompanied with loss of grip or giddiness (iv) In case of pain in Shoulder extending towards Elbow with or without pain in Chest (v) In case of perspiration with breathing problem ( Rly board No. N0.2006/H-1/13/RTI dated 05-6.07)

Reimbursement:

The beneficiary has to submit his /her claim on the prescribed Forms (annex 7A) within 180 days . Once the emergency is established beyond doubt, the case will be further processed as follows:

1. Procedure: The procedure to be followed for consideration and rejection of the reimbursement claim, if the treatment

is taken by railway employee in a non-recognized private hospital without referral by authorized Medical Officer shall be as under:-

A. At the Division/ Zonal Hospital / Production Unit Level:

(i)AMO will scrutinize the claim first and will forward it to CMS of the concerned Division/ Production Unit or MD of the Zonal Hospital (ii) CMS/MD will scrutinize the claim and if emergency is established, will recommend the amount to be reimbursed and will send it for financial concurrence of the associate finance.

(iii) The proposal will be sent to CMD of the concerned Zone. & At the Zonal Headquarters : (i) The CMD of the concerned zone scrutinizes the reimbursement claim and will send the same for FA & C .A.O's concurrence.

(ii) If the reimbursement amount is within the powers delegated to General Manager, the claim will be sent for his approval otherwise the proposal will be sent to Board for consideration.

2. The competent authority to reject the claim shall be the authority which scrutinizes the claim in cases where emergency is not established.

A. The competent authority to reject the claim in case where emergency is not established as per guidelines laid down in Board's letter No.2005/H/6-4/Policy-ll dated 31.1,07 shall be CMS of the Division/Production Unit or Medical Director of the Zonal Hospital, as the case may be. B, In case, the proposal has been duly forwarded to the concerned CMD and CMD concerned after scrutiny, comes to the conclusion that emergency is not established; the competent authority to reject the claim shall be CMD concerned, C. In case, the rejection is on any ground other than emergency not being established, the competent authority to reject the claim shall be DRM at the Divisional level and General Manager at the Zonal level/Production Unit level. D. The reasons for not recommending the proposal for sanction of competent authority need to be intimated to the Claimant at the scrutiny level itself.

For calculating , the amount/money to be sanctioned. , following guidelines need to be followed:- a)Treatment taken in Govt. Hospital - Full admissible amount should be recommended for sanction. -b)Treatment taken in Recognized Private Hospital for an ailment for which it is recognized - Rate as approved by Railway should be processed for sanction. c) Treatment taken in a Recognized Private Hospital but for an ailment for which it is not recognized or treatment taken in a non- recognized Private Hospital:-Reimbursement should be made at the CGHS rates of that city or nearest city. CGHS (Central Govt. Health Scheme) approved rates are to be recommended/processed as an upper limit for sanction.

Note .1. in civil appeal no 560 of 2004 decided on 6.8.2004 Suman Rekheja Vs State of Haryana . (2004)13 SSC 562 S.C held that

100 percent t medical expenses at AIIMS rates and 75 % of expenditure in excess there to is to be reimbursed in case of treatment

74

recommended, in consultation with Associate Finance ( Rly board No. 2005/H/6-4/Policy-II dated : 3 1 .01. 2007)

As per the time schedule laid down normally reimbursement case should be finalized with in 60 days { N. Rly HQ office P.S. No 11768/99 dtd 31.03.1999}

Fixed Medical allowance (FMA) : As per Board's letter No. PC/V/98/1/7/1/1 dated 21.4.99 a fixed medical allowance per month is granted to the Railway Pensioners/family Pensioners who are residing beyond 2.5 Kms. from Railway Hospital/Health Unit/Dispensary. This fixed medical allowance is given to meet the day to day medical expenses. They are not entitled to receive outdoor treatment from Health Unit/Railway Hospital etc, except in cases of Chronic Diseases, following will be treated as chronic diseases :

a).Any disease which persists for a period of approximately three months or more is defined as a chronic disease. Some of the common illness, which are treated as chronic diseases are :- 1.Arthritis and related conditions., 2.Cardiovascular disease.,3.Cancer of any part of body.,4.Diabetes mellitus ,5.Epilepsy disorders ,6.Obesity/chronic weight loss., 7.Tuberculosis,.8.AIDS ,9.Oral Health Problem ,10.Chronic skin disorders. ( Rly. Bd No-2006/H/DC/JCM dated I2 10.2006) Note : Lockup Dispensaries are not considered as Health units. Entitlement for Private /Semi private Wards/cabins : Same yard stick as that of CGHS is followed in case of Railway beneficiaries for details please refer to Annexure 6 “Salient features CGHS” {O.M. No.18(1)/EV/2009 dated 17.04.2009 Ministry of H &FW) & OM No S. 11011/2/2008-CGHS dated 20.5.2009 (P ) Ministry of H & FW

75

Annexure 7A

Medical Reimbursement Claim Performa

1. Name of the employee/ex employee

2. Whether in service or retired

3. Designation

4. Office / unit of posting

5. Pay & Scale of Pay of the Employee last pay drawn in case of retired employee

6.Name of the patient

7. Permanent address of the employee/Pensioner

8. Temporary address of the employee/Pensioner

9 . Relationship with Railway Employee for Whom reimbursement is claimed.

10. Age of Patient

11. Medical RELHS card No.

12 Whether referred or none. Referred

13. If referred, by whom

14. Name of the institution where treatment is taken

15. Da te of admission

76

19. Total period of Stay as indoor patient

20. Reasons for long Stay ( i f Stayed for more than 48 hrs)

21. Type of medical emergency

22. Was there no Railway/ Govt. Faci l i ty available to deal it

23 Distance, of the nearest. Govt. hospital & whether facilities available there.

24. Distance of the nearest Rly hospital and whether facilities available there. If not, how f a r is the railway hospital with the facilities?

25. Distance of the private hospital from residence/place of illness, where facilities availed.

26. When the railway medical

Officer was informed about such admission

27. Did the patient take any

Treatment before or after the present sickness (If this existed before) and if yes, when

28. Total amount claimed with break up of charges) (detailed instructions at (f) of foot note below)

29. Total No. of enclosures

Counter sign of controlling Signature of employee/ pensioner officer/Unit in-charge . ( in case of serving employees)

Declaration to be signed by the person claiming medical Reimbursement

I hereby declare that the statements in th is application are true to the best of my

77

D a t e S i g n a t u r e o f c l a i m a n t

P l a c e D e s i g n a t i o n & office to which attached

Foot note: i. item Nos 18, 19 , 20, 2 1, 22, 23, 24 and25 are applicable only to non referred cases.

2 . Following documents should be attached with this Performa A ) E M P L O Y E E / R E T I R E D E M P L O Y E E ’ S A P P L I C A T I O N G I V I N G G I V I N G

T H E C I R C U M S T A N C E S U N D E R W H I C H H E / S H E T O O K T H E T R E A T M E T . b ) P h o t o c o p y o f M e d i c a l / R E L H S I . C a r d d u l y a t t e s t e d b y a G a z e t t e d o f f i c e r c ) E s s e n t i a l i t y c e r t i f i c a t e i s s u e d b y t h e t r e a t i n g d o c t o r , d u l y c o u n t e r s i g n e d b y t h e h o s p i t a l s u p e r i n t e n d e n t o f t h e t r e a t i n g d o c t o r d ) D i s c h a r g e c e r t i f i c a t e i n o r i g i n a l e ) B i l l s / V o u c h e r s ( i n o r i g i n a l ) d u l y c o u n t e r s i g n e d b y t h e t r e a t i n g d o c t o r a l o n g w i t h p r e s c r i p t i o n s l i p i n o r i g i n a l f ) D e t a i l e d i t e m w i s e b r e a k u p o f a l l t h e b i l l s ( t h i s m e a n s a l l t h e b i l l s / v o u c h e r s s u b m i t t e d a s p e r ‘ e ) ’ a b o v e m a y b e r e p r o d u c e d i n l e g i b l e m a n n e r f o r e . g . B i l l N o N a m e o f t h e c h e m i s t D a t e d D e s c r i p t i o n o f i t e m Q t y . p r i c e i ) i i ) i i )

Total

h)In case of referred cases, attach original referral slip

78

CERTIFICATES

(To be completed in the case of patients who are admitted to hospital for treatment)

Part A

I, Dr....................................................... .....................................................hereby certify;

(a) That the patient was admitted to hospital on my advice/on the advice of.................................................................... (name of Medical Officer)..

(b) that the patient has been under treatment at ................................................ and that the under mentioned medicines pa-scribed by me. in this connection were essential for the recovery/prevention of serious deterioration in the condition of the patient-The medicines are not stocked in the (name of the hospital).............................................. for supply to private patients and do not include proprietary preparations for which cheaper substances of equal therapeutic

value are available nor preparations which are primarily foods; toilets or disinfectants.

Name of medicines QTY. Price 1

2

3

(c) That the injections administered were not for immunizing or prophylactic purposes.

(d) That the patient was suffering from. ............................ and was under my treatment from -----

to........................... . . . .

(e) That the X-ray, laboratory tests, etc. for which an expenditure of Rs......................... was incurred were necessary and were undertaken on my advice at........................ ..................... (name of hospital or laboratory).

(f That i called in Dr........................................ for specialist consultation and that the necessary approval of the ------------------------------------------(name of the principal Medical Officer), as required under the rules was obtained.

Date............................... Signature and designation of the Place.............................. Medical Officer in charge of the case at the hospital

Part B

I certify that the patient has been under treatment at the ....................... .................................... hospital and that the services of the special nurses, for which an expenditure of Rs.,..............:......... was incurred vide bills and Receipts attached, were essential for the recovery/prevention of serious deterioration in the condition of the patient.

Date.......................... ........................................................... Place........................ Signature and designation of the

Medical Officer in charge of the hospital.

Countersigned

Principal Medical Officer

79

been under treatment for..................................................disease from........................................... to ...................................... at the....................................................... hospital and that the facilities provided were the minimum which were essential for the patient's treatment. Date .......................................................

Place.................. Medical Department

................................ Hospital

Note: Certificates not applicable should he struck off. The (Essentiality Certificate as given in Part A (b) above is compulsory and must be filled in by (he Medical Officer in all cases.)

Instruction for submission ; In both referred & non referred cases retiree‘s application should be submitted to the concerned M.D Zonal Rly. Central Hospital/CMS i.e under whose jurisdiction applicant’s RELHS I. Card is registered.

Continued

80

For official use only

(i) In all cases being sent to Board (ii) In cases of GM/AGM sanction for un referred /non Govt., unrecognized cases

1. Verbatim of CMD 2. Verbatim of FA & CAO

81

Bibliography

1.G.O.I. Ministry of Personnel, PG & Pension Pensioners Portal : http://pensionersportal.gov.in/ 2.Pension Process Map and Time Frame as follows:

S.No Process Authority Concerned Timeframe Applicable

Rule

CCS

Pension

Rules

1 Preparation of list of employees who

are due to retire within 24 to 30

months

Head of the

Department

1st January and 1

st July each

year.

56(1)

2 Communication of the list to the

Accounts Officer Concerned

Head of the

Department Head of

the Office

31st January and 31

st July each

year.

In case of Government servants

retiring for reasons other than

immediately as soon as the fact

comes to notice.

56(2)

3 Communication of the list to the

Directorate of Estates in respect of

employees having General Pool

Accommodation with a view to obtain

'No Demand Certificate.

Head of the Office. 24 months before retirement. 56(4)

4 Verification and determination of

qualifying service, and if necessary, in

consultation with the employee; and

determination of average emoluments.

Head of the Office. 24 months before the retirement.

The process to complete before

ten months from the retirement.

59

(a) & (b)

5 Communication of facts to the retiring

employees for action by the employees.

Head of the Office. 10 months before the retirement. 59(c)

6 Submission of papers by the employee Employee 8 months before retirement. 59(c)(iii)

7 Presentation of papers to pay and

accounts office.

Head of the Office 6 months before the retirement. 61(4)

8 Checking the pension and gratuity

admissible and forwarding the PPO to

the pension paying authority.

Pay and accounts

office

1 month before the retirement. 65

9 Dispatch of PPO to CPAO PAO On the last working day of the

month preceding the month of

retirement.

10 Dispatch of PPO to Link Branch of

Authorized Bank

CPAO By 20th

of the month of

retirement.

82

3.GOI Ministry of Railways (Rly. Board) Establishment code vol. II Chapter 18 4.GOI Ministry of Railways (Rly. Board) Railway Service (Pension) Rules 1993 5.GOI Ministry of Railways (Rly. Board) Accounts code Chapter 10 6.The Pensions Act, 1871 7. G.O.I. Ministry of Personnel, PG & Pension Central Civil Services (Pension) Rules-1972 8. C.G. Pensioner PAYMENT OF ARREARS OF PENSION (NOMINATION) RULES, 1983 9. .G.O.I. Ministry of Personnel ,PG & Pension Libralized Pension awards Central Government 10.CGA’s SCHEME FOR PAYMENT OF PENSIONS TO C.G. CIVIL PENSIONERS THROUGH AUTHORISED

BANKS

11 .G.O.I. Ministry of Personnel, PG & Pension CCS General Provident Fund Rules 1960 12. .G.O.I. Ministry of Personnel, PG & Pension CCS( Commutation of Pension) Rules, 1981 13.Dr. V.S. Natarajan : Healthy ageing 14. N. AHUJA MA.,LLB, Management Consultant & Advocate : Will