PENSIONERS’ EMAILS & FEEDBACK FROM 1st MARCH 2018 :SERIES No 169 & 170

It is a matter for gratification that the AIRIEF Office Bearers Meeting went off well with concentrated subject matters & intense discussions & participation by more than 30 members present at BHOPAL.

On 28th March ,2018, evening, RIEA Bhopal had their General Body Meeting commencing at 7pm.There was camaraderie,meeting known & unknown faces, friendly introduction,a whiff of fresh air, an aura of expectation on 9th April SC Bench hearing, setting tone & tenor for future hearings .Mini All India OBs & Activists & kingpin of respective RIEAs shouldering heavy responsibility in this crucial & critical turning point ,when everything that was needed to restore confidence, the combination of pragmatism & idealism as justified by many case laws in pensioners favour,the further supplementary steps & strategies to be pursued, apart from dialogues with Junior Advocates & a thrilling 2 hour dialogues & exchange of ideas with queries, clarifications , additional Charts needed by Sr Counsel Sri KTSTulsi ,his understanding & appreciation of the sorry state of affairs of poor pensioners being dealt with so lackadaisically by LIC, UOI, & his firm & abiding grasp of DHC Judgement, its deficiencies,few strong points to be magnified in presentation ,& the clever ,assertive manner of airing discrepancies in DR, Pension & utter discrimination, anamolies galore with static Basic Pension with riveted attention he will throw the gauntlet before Hon SC Bench in his own inimitable way.

After welcome address by Sri Pramod Bhatnagar,Secretary,RIEA & Jt Secretary AIRIEF, Sri GKrishnaswamy ,GS,AIRIEF spoke eloquently with experiences &anecdotes interspersed about various measures undertaken, his multipurpose role as Treasurer 1st & later as GS, to don the important role to bind all RIEAs into a cohesive whole. He spoke with fervor about 37 Circulars he has issued so far covering many events & important landmarks in the march of AIRIEF in its 21 year star-studded sterling achievements

R.B.Kishore,VP,AIRIEF enquired about the Groups pre 8/1997 to put up their hands just for a general assessment ,amongst those present, so too, other 5 year Groups.While speaking on DHC verdict & inadequacies & insufficiencies, he called upon those present in Group I 1/1/1986—31/7/1992 & Group II 1/8/92-31/7/1997 ,that they should have gone through the painstaking Charts flashed in so quick time & also the readymade Proforma for calculation of arrears from 18/12/1998 to 31/1/2018 & asked them who all came under Above Rs2130 Basic Pension in Group I & those above Rs3850 in Group II.As they were not sure,he clarified charts must be gone through to absorb the intents & purpose of helping pensioners where they stand & further, this arrears though confined to few pensioners only,yet arrears is 2.5 to 3 times the earlier 40 % IR & so must have attracted their

attention.After elucidating other pensioner issues & AIRIEF Website, its imporetance, covering holistically entire gamut of ones life enlightenment & entertainment through varied Categories listed therein, one can widen mental horizons ,he thanked RIEA Bhopal & all members present to have made such nice arrangements for stay. Our President Sri SSSaxena spoke about the ensuing SC Hearing, the splendid sportive, professional hard work, indepth ,assiduous preparation of gigantic Reply/Rejoinder covering all areas mentioned in DHC needed to be redressed in what manner & why.

All in all, it was a good gettogether & warming up for next days 29march AIRIEF OBs meeting

After Registration at 850am,lighting the lamp at 9am,Welcome address by Sri Pramod Bhatnagar,Inaugural Address by Sri SSSaxena,President, GS,AIRIEF Sri GKrishnaswamy presented GS Report of the various issues & activities undertaken to resolve problems faced by pensioners.

Sri V Jayaprakash, Treasurer.AIRIEF presented a full picture of Accounts data & particulars.He answered the queries asked by the OBs present & GS answered few other clarifications sought on Affiliation Fee, Legal Fund donation etc. He made a fervent appeal to ensure & maximize LFD to honour our sacred obligations for smooth conduct of entire proceedings to ultimately win the case for twin benefits

After teabreak & Photo session.a ball by ball commentary –like marathon, sparkling presentation of legal matters, the tough time ,the group of activists rich in manifold resources necessary to do a strong & successful rebuttal of LIC Counter Affidavit ,how each one of them undertook summaries, jottings of case laws, data & charts needed to substantiate our case in the most authentic & legitimate way .He answered many queries & doubts in a convincing & suave manner with supreme confidence.

The House was thrilled to know the hardships experienced, handicaps overcome,pooling of subject matters in a disciplined, professional manner ,which enabled indepth discussions with Sr Counsel. House applauded & congratulated the veterans for immersing themselves to produce a rich qualitative output.

Thereafter Mrs GSubbalakshmi Editor , Varistha Vaani narrated in a nutshell VV position,state of affairs,plans to be adopted to enhance value,some suggestions, some queries she replied .

After lunchbreak RBKishore spoke on the vital topic of Strategic Steps Ahead for Future growth of AIRIEF & promoting pensioners welfare & progress.He spoke how fervently on many GC Meeinghs, in Souvenirs ,he made SWOT exercise in detail , the Pensioners Education Series 1,2, 3 etc outlining realistically how AIRIEF can grow & also the Research Paper at Bengaluru GC in OCT 2014.

While many useful Committees were appointed, he bemoaned Data BANK & Think Tank importance was not realized & now absence was felt as no updation & consolidation with regularity was not done causing delay, hardships etc.Equally PR & Liaison with other Institutions Pensioners Fedns were at a low ebb.Equally whatever matters were placed before LIC CO or ZO must be pusued vigorously by regular meetings with Top Management of LIC , EDPer,EDOS, MDs ,Chairman etc to drive home importance of resolving pensioners issues with specific deadline 7 not eternally pending causing great

inconvenience & doing incalculable harm to pensioner community & fraternity.Concentrating on select Divisions in Zones ,with large denominator of pensioners thro methodical steps, meetings, addresses, printed Achievements & Accolades of AIRIEF will pay dividends & such energetic steps must go in full swing to make a dent & progress in numbers.

General discussions on 10th Biennial General Council Meeting took place.

Some members spoke about their activities & new measures followed,Bulletins issued, honouring aged pensioners above 80 years etc.Some undertake picnics.Some issue Booklets useful for pensioners.Some conduct medical camps.

LFDonation cheques were presented to President

Then President summed up .continuing the thread from earlier speakers & spoke with clarity & fervor of the happenings,few Resolutions were passed after due proposed & seconding, & gave a picture of what needs to be done, what is to be pruned, what extended activities we can perform as Elders & single-minded concentration on SC hearing,progress & a new better world for pensioners,with able professional Sr Counsel plan & strategy & submissions

A fullscale Report from Bengaluru Headquarters from GS,AIRIEF will portray the total picture & canvas of useful, hectic, productive deliberations for onward,forward march of AIRIEF in its pursuit of excellence

R.B.KISHORE

VP,AIRIEF

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1)i) Dear Sury ,When I contacted Sri Sivaganesh,TPA today, he told me that Mediclaim of Smt Meenakshi, after verifying records name etc , Rs 15,167 was already approved & he added NEFT credit to  Bank ac also wld have taken place

Ur silence has baffled me

Greetings&regards ,,RBKISHORE,VP, AIRIEF

ii) U R one of the most respected ones in my career. How can i be silent !!

I am yet to hear from them. No credit has so far been done in my account. 

I must thank you for the responses i get from your end. They come like a ball hit on the wall.  Albeit I do not nurture a grievance with elders for whom I run a blog do not have even time to read my mail. Does it not sound strange !

A motion disorder problem - parkinson / myoclonus is indeed crippling me. Besides my daughter in law is fighting an apparently terminal stage brain cancer GBM 4 having exhausted routine surgery, radio and chemo therapy.  

i never thought really I would be living now - at age 76 - when at 44 I was struck with spinal problems of impaired disc, cervical spondylitis and then vertigo. As I wait apparently impatiently, people dear to my heart and soul appear to leave me.   Possibly this could be a reason for my unintended silence. Sorry for the same.

Right from the day I saw you on the dais as our Faculty in 1975 or 76 at MDC, you have always been close to the hearts and needs of your colleagues.  The way you have been designed by the Almighty. 

I am sure He will bless all your endeavours (including the one you are continuing to fight at SC )

Thanks a lot. yours, --------sury.

2)i)DEAR FRIENDS, The first time I came in contact with Shri KKD Hanumantha Rao was in October 2014 when he attended the 9th GC meeting of AIRIEF at Bangalore. His voice was heard with clarity and assertion with focus on facts and realty. I was instantly attracted to him and had spent some time with him. After that he was in contact with me at least once a week. 

When he wanted me to attend the GB meeting of Machilipatnam, I readily agreed and told him of my journey details. He was waiting at the AIRPORT at Vijayawada for a long time. He took me to the GH and spent 3 hours with me. We exchanged lot of information and he wanted my opinion as GS on certain matters. I told him that I was junior to him as a leader. He still elicited my views and  confirmed my views as well.

He told me his role as a union leader, consultant, adviser, and a great friend to one and all in the LIC and in the city. He impressed me as a man of courage and character , as a good leader, a great leader and above all, a man who should be emulated.

A firm believer of collective wisdom, he would call for opinions from all concerned and formulate his strategy and announce to all, which would meet with everyone's approval. 

TWO days before his demise he was talking to me on our Case.  As Shri LSR Krishna Rao has written, Shri KSS Sastry called me within one hour of the unfortunate end to announce this. AS I was in a meeting, I could not hear him and told him to send a message. On seeing the message I mad announcement of his unfortunate demise in the meeting itself and silence was observed immediately to respect the departed soul.

Later in the day I sent my condolence message to Machilipatnam Association. I also sent the message to Shri Saxena and Smt G Subbalakshmi.

As a General Secretary, I pray to God to grant enough courage and strength to the members of the bereaved family to bear the untimely loss.

Sorrowingly,, G Krishnaswamy ----GS   AIRIEF

ii)Sorry and sad to hear the news of death of Mr KKD Hanumantha Rao.

He was a member of the South Central Zone when I was ZM.I had known him even earlier from January 1994.

He was an active trade union leader both among Class III & IV & among Class I Officers.

May his soul rest in peace.-------C H Mahadevan

iii)REALLY SHOCKING TO KNOW THAT KKD ANOTHER CITADEL OF STRENGTH IS NO ,MORE WITH US.HEARTFELT CONDOLENCES

TO THE FAMILY .MAY HIS SOUL REST IN PEACE. MAY GOD GIVE STRENGTH TO THE FAMILY

TO BEAR THE IRREPARABLE LOSS.----------MSSACHDEVA

iv)Dear Sir, Really it is very sad news. May God bless the soul of KKDHAR and give courage to his family members to bear this unrepairable loss. RIP

REGARDS, ---------Santosh Singh

v)Immediately after my return from BE WELL Hospital ,while we were taking dinner at 9pm ,after general exchange of news & views with Sri Raghava Rao Hyderabad   ,when he conveyed the news of the death of Sri KKD Hanumantha Rao ,my heart sank, I shouted to Mrs Seetha Kishore in the adjoining hall. Hanumantha Rao is no more, she was crestfallen as earlier many times when he used to ring me up for latest developments,Madam used to speak a few words &pass on the phone to me

  Another citadel of strength has fallen, he is no ordinary worker,he was a Leader in his own right,he is thorough with the subject matter,he used to send his own Writeups on many matters conveying his strong predilections , I used to insert inour website AIRIEF vision.wordpress.com

In a generation of declining activists who don the role of a blotting pad on all matters affecting Pensioners KKDHR was one.In a generation of carefree attitude & even supine indifference to issues being discussed & debated , he was a rare mortal wanting to know everything & testing them on the touchstone of his own pragmatic ideas & creative suggestions. 

 Even in the 9th GC Conference of AIRIEF at Bangalore, he participated well & truly made his points with emotional fervour.Many times he telephoned me & we used to chitchat .I never dismiss anybody, I get involved,we used to talk about his health, the heart operation earlier, the subsequent weakness even in his voice Last few years , silence, occasional calls, in fact only 2 days before I was enquiring when Sri LSRKrishna Rao phoned me

 So this is a very sad& shocking news of his death. Machilipatnam has lost an evergreen Hero, AIRIEF has lost a great Leader .KKDHR combined in himself the qualities of head & heart of a True Union Leader having donned that role powerfully with a spirit of commitment such work demands & ably combined deft sagacity & wisdom of a long drawn out mature leader

We miss him terribly. Let us all imbibe his good qualities & follow the virtues he embodied.May his soul Rest In Peace . May the Almighty grant strength ,courage & fortitude to his family to bear this irreparable loss

Mournfully & in reverence we bow, 

RBKISHORE , VP, AIRIEF

3)Respected Friends,

       i) The Association in Kolkata organised a Seminar on Mediclaim on 14.03.2018 and the officials of the TPA of East Zone and RM(OS),EZO were invited.  Although RM(OS) could not attend the seminar due to his preoccupation he provided one write up prepared by LIC, Eastern Zone. We circulated the write-up among the members who attended. To our surprise, more than 65 members attended and actively participated in the discussion in spite of the inconvenience in the small Association room.  We have prepared a report on the discussion there.

        Although circumstances and experience will vary from one Zone to another and one TPA to another the basic principles and procedures are expected to remain the same.  As such we are sending the Report along with the FAQ prepared by LIC,EZO with the hope that it may help some retired LIC employee anywhere in India. 

        However, we pray for Good Health for all the retired employees of LIC and their family members and wish that they don't have to make use of this knowledge.

Regards.------Dilip Kumar Ghosh, GENERAL SECRETARYLIC RETIRED CLASS-I OFFICERS' ASSOCIATION,KOLKATA  Cell- 9831122129; 9073113763 

Download all attachments as a zip file

Mediclaim FAQ -E ZONAL OFFICE 2017-2018 .pdf

154.1kB

Reeport of Seminar 14.03.18 .doc

34kB

ii)SEMINAR ON MEDICLAIM AT KOLKATA

Very useful , such exercises & meetings are an absolute MUST

RMOS , SZ shd convene as agreed upon in the earlier Meeting we all had

Every Section or Dept shd release such Papers once a year or when many changes are there

Greetings --- RBKISHORE ED(Retd) VP, AIRIEF

4)DEAR ALL, A  POLITE  REMINDER  & AN ALERT TO FULFIL  ASPIRATIONS FOR BEST& PRODUCTIVE INVESTMENT  TO

MIMIMISE INCOME TAX & TO DERIVE MAXIMUM BENEFIT USING IT PROVISIONS IN FULL before 28 March ,2018;TIME RUNNING OUT      -- R.B.KISHORE,VP,AIRIEF

I )  FY 2017-18/AY 2018-19

Income Tax Slab for Senior Citizens (60 Years Old Or More but Less than 80 Years Old) for FY 2017-18 – Part II

Income Tax Slab Tax Rate Sec 80C Investments

Income up to Rs 3,00,000* No tax  

Income from Rs 3,00,000 – Rs 5,00,000 5% Tax,

Income from Rs 5,00,000 – 10,00,000 20% Tax                                                                                         

Income more than Rs 10,00,000 30% Tax                                                                                                    Income Tax Slab for Senior Citizens(80 Years Old Or More) for FY 2017-18 – Part III

Income Tax Slab Tax Rate

Income up to Rs 5,00,000* No tax  

Income from Rs 5,00,000 – 10,00,000 20% Tax

Income more than Rs 10,00,000 30% Tax

 

*INCOME TAX Exemption Updates... For every Tax payer  For FY:17-18 to help the Tax Planning.

 

🔱 80 C:- Max limit

150000/- (Life Insurance Premium, MF , FD , NSC, PPF , Home Loan Principal , etc.)

 

🔱 80CCD:-50000/- (NPS)

 

🔱 80CCG:- 25000/- or 50% of your investment which ever is less

 

🔱 80D:-25000/-

( Mediclaim Policy for self spouse, children)

 

🔱 30000/- for dependent parents u/s-80D. Medical reimbursement :- 15000/- US 17(2)

 

🔱 80DDB:- Medical expense occurred on dependent for specified illment

 

80TTA:- Up to 10000/- for Interest saving bank account🔱

 

🔱 Gift tax :- Exempted upto 50000/-. Above 50k full amount taxable (FY) from other than Blood relation.. Gift from Blood relation is 100%Exempted...

 

🔱 Transport allowance :- 19200/- (FY)

C.E.A. :- 2400/- (FY)

 

🔱 HRA :- as per the calculation

 

🔱 24(b) :- 200000/- (home loan interest :even if you have multiple house the limit is still going to be Rs 2 Lakh only and the ceiling limit is not per house property)

 

🔱 80G :- full amount in few selected organisation. This exemption is 50%.

 

80GG :-🔱   Rs 60,000 per annum. Section 80GG is applicable for all those individuals who do not own a residential house & do not receive HRA (House Rent Allowance).

 

🔱 80GGB :- 100% exemption for political parties

 

🔱 80EE :- unlimited (interest on education loan)....

 

🔱 80U :- 75000/- (in case of taking care of a Handicapped depends)..

 

II )

*

FOR THE FINANCIAL YEAR 2018-19 ON WARDS PENSIONERS ALSO ELIGIBLE FOR STANDARD DEDUCTION OF RS.40,000 ON PENSION  + UPTO RS.50,000 ON INTEREST INCOME REG. DEPOSITS WITH BANKS AND POST OFFICES.  BUT FORM 15 H NOT ACCEPTED IN BANK SYSTEMS WHERE PENSION INCOME AND/OR INTEREST INCOME EXCEEDS RS.3 LAKHS (rs.5 lakhs for super srcitizens).

 

better to report rental income, share gains losses and sale of property incomes as with aadhar and pan linking IT dept gets every information from bank accounts ,regn offices, stock exchanges etc.  to avoid notices later.

 

III)Please hurry up & ensure that you fulfil your plan & strategy for various investments  to fulfil aspirations of family, to have least INCOME TAX or NO TAX as the case may be

FYear 2018-19/ AY 2019-20  as indicated above in  II) ,as per Budget, bestows some benefits & saving too in tax & interest of Rs 50,000 exempt + Rs 40,000 Standard deduction ,a boon indeed to Elders & Sr Citizens.

 III)Please note that 29th March & 30th March 2018 are HOLIDAYS ,Mahaveer Jayanthi & Good Friday respectively  & 31 March 2018 is Saturday .

GREETINGS & GOODLUCK, R.B.KISHORE ,VP,AIRIEF  13/3/2018

5)Please also endeavor to link Aadhaar Card & PANcard with. LICpolicies , as SCourt orders has given indefinite time till Fonal SC verdict on Aadhaar for all other linkages like Mobile,Ration Card,Banks,PO etc

Easy to take xerox of both cards. & go to any nearest LIC Branch ,wait for some time,quicklythey. complete & hand over to u the AcknowledgementPreservePlease do this for ur children's policies ,any of ur Annuity or Pension policies ,if not already done

CRM Dept ZO ,DO confirmed this Better we act &fulfil to avoid any later complications

Greetings& Regards,--RBKISHORE ,VP, AIRIEF

6)Dear Shri Kishore It is a pleasant reminder to all those who have to link the AADHAR to Bank, LIC etc., -----G Krishnaswamy ,GS AIRIEF 

7)Thank you very much Sir. It contains everything regarding I T for Pensioners. You have taken lot of pains to present it in a simple way.How is your health now ?Please take care. Pensioners need your advise every now and then.Thanking you Sir.Yours faithfully,---------C T JOSHI.

8)Thank you sir for valuable information.------Sujit Kumar Sarkar

9) PENSION A RIGHT, NOT A  SUBSIDY. JUSTIFIY ITS LINK TO AADHAR asks SC to the Government __ today's headline news in the Times of India. The Supreme Court on Wednesday questioned the centre on its decision to link Aadhar with pension, reasoning that it was not a subsidy but an entitlement of a person for years of service he/she has rendered to the Government .

10)i)dear sri GKS,1)Many thanx .Sri RKannan will verify & issue the Receipt in quick time

Now, ur email id & Tel Nos are stabilised,glad earlier contacts & communication pipeline is reestablished  ur emails are a treat ,as it will have some newness,which rejuvenates recipient.Commence that busyness

2)We are going to Shirdi pilgrimage tomorrow, back 26th, attend a wedding, 27th March myself & sri Angurajan, AIOS participate in Bhopal, AIRIEF OB, EC, Legal Committee meeting, back on 31st march

3)hope & pray 26 March hearing atleast starts, our Sr Counsel Sri KTSTulsi will insist on IR balance 60%, as this is only with existing 50% DR,& as per Rule 3A  of PR 1995,IR for post 8/1997 as merger of DR with Basic pension will boost Revised BP & Hon Dipak Misra in his 29 page judgement mentioned this  & the anamoly to be remedied.

Final verdict alone must bestow FULL DR  for pre 8/97 pensioners & PU with every wage revision for ALL groups of pensioners

4)Sri RKannan 044-24343038, O98407 68703

Please furnish ur address again for final noting in our records

Greetings for Sri Rama Navami which falls on 25/3 & warm regards,

---RBKISHORE ,VP,AIRIEF 

ii)Respected Sir, Thanks for your lightning reply. Wish you happy and comfortable pilgrimage to the abode of Sai and other journeys. Our Legal Team is doing their very best in SC and it should fetch desired results.My address:  X 128, Regency Park II, Block X, DLF City IV, Gurgaon 122009 (Haryana)Noted Shri Kannan’s phone no’s & e-mail I.d.

Warm regards,----Sairam gk

11)Dear RBK ,Thank you for your mail and receipt ecopy.I do share with you the longings of the LIC Pensioners community to see a satisfying end result of the protracted legal  battle for justice.Wish you enlightening pilgrimage Regards, ------PAB

12i)In Ramayanam, we celebrate the noble qualities of Sri Rama, as also of all other characters in The Epic. Yes, It epitomises brotherly affection, mother's love, father's responsibility

to inculcate good habits and noble thoughts in the children, wife's total dedication to her husband and so of faithfulness of the husband to his wife. In short, it is compendium to mankind to lead a life of happiness and bring cheer all round. WE ADORE AND PROPITIATE SRI RAMA AS THE EMBODIMENT OF ALL VIRTUES. YOU TAKE ANY WORD AND ADD RAMA AND IT INSTANTLY MAKES YOU FEEL YOU HAVE IMBIBED THAT ASPECT. For instance Anantharaman symbolises that life is continuous and never ceases to exist, in other words ATMA is eternal, again there is Atma Raman means you are yourself PARAMATMA. Ever so many like that.

This is only sharing of thoughts for I am aware that I am no match to your scholarship and dedication and devotion. It is like what Poet Kambar says his trying to write Rama Katha is like a cat trying to drink water of the ocean.

Incidentally, I would like to know whether Sitamarhi in Bihar is the place where King Janakar found Sitamaa on earth while ploughing.

Trust this finds you and your wife and all others fine.

Yours,---------S.R. Nagarajan.

ii)FANTASTIC INTERPRETATIONGreat conclusions .We feel elated about Festivals, its real meaning & significance.Todays generations may poohpooh even these,but reality is whole world knows the strength & indepth meaning of Hindu philosophy, an Encyclopeadia for the universe, art,science, psychology, philosophy, household running, statecraft,relationships of different forms, service to humanity, existence & co-existence, peace,love, kindness & affection, various forms of dhaanam,

 temples as a source of worship, purification of mind, restoration of tranquillity,nearness to God & Divinity, enlightenment thro mantras so profound,abhishekams to propitiate, Homam to banish evil & to instil peace & prosperity, archanas,vada mala for the deity,significance of moolastambam,rathams , elephants, chariots,prasadams part of temple practices & devotees bhakthi  to enlarge,cornerstone of his orthodoxy, the bedrock of his piety, the sanctifying source of his sacred ash,

 Om recogised the world over  as most potent  for vibrations & purity of mind,

Yoga all over the world,science only testifies to ancient wisdom in vedas, scriptures,importance of Sthathipathi in idol creation& vasthu for installation,

good Heavens what an intensive & extensive length & breadth of  exploration of mind through concept of Self,such is our ancient sanyasis, avatars, philosophers,religious teachers & gurus,-----indeed,it is a kaleidoscope

 That is why East is rising, India will give sunshine & light to others ,power in all sense will grow, will be a beaconlight for others to followLet anybody say anything about God or temples or festivals, or magicdivine cure being considered as humbug ,ignore ,walk along intellectuals, religious leaders, historians, thinkers, poets & philosophers,musicians, composers, cultivate them , we grow,develop as ideal human beings

-------- RBKISHORE  ,VP,AIRIEF

13)Dear Sir, So kind of you and many thanks. Yes, DO1 has deducted Rs.1198.29 towards Medi claim premium. Now that I have your clarification, it is ok. I know the colleague pensioner I referred has not opted for increase in SI beyond the compulsory floater limit of the then prevailing 6 lakhs cover.Sir, my wife had a fall on 20/2/18 night 11-30. She is under treatment for HTN for about 15 years now. Fortunately, for me my son who had come here on holiday was with me. We lifted her and put her on bed and the next morning I called my Doctor, a close friend, associated with me since 1998 when we both did voluntary service in Sankara Hospital, Chrompet, administered by Sri Jayendra Saraswathi Swamigal Diamond Jubilee Health and Education Trust. He retired as Jt. Director of Medical Services, Tamil Nad. She was admitted in Sri Balaji Hospital, Chromepet and treated in ICU for 2 days. I could not claim reimbursement as we, on our own sought her discharge for taking treatment in a better known hospital. She got treated as OP in Apollo and is almost back to normal. My son has left for US after about a fortnight and my daughter is now here. My Doctor in Apollo is well known to us,  he suggested change of place for some time. And so, myself and my wife are leaving for US tomorrow  with my daughter and another son who has also come down to take us. With Bhagavath Krupaa and Aachaaryaal Anugraham we expect to be back in 3/4 months time. Because of this, I could not concentrate on anything.Sorry I narrated my tale of  state of mind even as I am aware you are doing a Great Service, notwithstanding your own health discomforts.Be that as it may. Please take care of your health.With KInd Regards to you and your Mrs. and thank you once again,Yours,-----SRNagarajan

ii)dear sri SRN,1)Bon Voyage,happy sojourn there, avoid Donald Trump 

2)Last few days I am going to BE WELL Hospital, after earlier consultation with Plastic Surgeon MIOT,, for Pneumatic Compression therapy & Laser Therapy for both legs for Cellulitis & Varicose veins .18 months sufferring so far, Star Punarvasu, 14 long transfers in LIC service,many times without family, double establishments, yet we have to S     ---------MILE,longest word in dictionary

3)Actually pre Hospiotalisation is covered for 30 days & post Hospitalisation expenses for 60 daysI find it was 20/2 u mentionedSo,even if at ur call, ur wife was shifted, have letters or doctors prescription/advice & all receipts at earlier Hospital & Chrompet Hospital & final Apollo OP

U consolidate & as u leave tomorrow , from there with complete forms,documents, Prescriptions, receipt by  email U can send as ur daughter ,son all are experts in the field & it is childs play for themIf u do this, later to the extent possible,I can request Smt Revathi AO OS/Per dealing with mediclaim, very efficient to do what best she canWe still remember the help u gave to secure  eumaidMAX from USA

Now it rests on u to take a  call

Greetings,goodluck & take care all of u,-----RBKISHORE ,VP,AIRIEF

14)Respected Sir, I read a news item in The Hindu of date,  on the above subject as under:

The Supreme Court on Thursday called pension laws of the country a " khichdi" of instructions, office memoranda,clarifications, corrigenda and so on and so forth.A Bench of Justices Madan B Lokur and Deepak Gupta, in a judgement recommended the Dept.of Personnel and Training to try and make life after retirement easier for a Govt Servant by having appropriate legislation enacted by parliament or applicable Pension Rules.The judgement came in the Case of a railway Employee who had to wait for 27 years for a decision on his Pension. The apex court warned that a somewhat similar fate seems to await Govt servants on getting retired.Since this news item seemed significant on the eve of our Pension case comming to the same bench of the Honourable SC, i just wanted to share it with you.

With high regards, -----------G Ramamurthi.

15)Looks encouraging. Still, law and justice are always poles apart; though they are supposed to be supportive to the other. Well, long back I have read in one of the articles of "The Hindu", in the course of which there was a significant line:" Law begins where justice ends.". Somehow, as I read this I was reminded of those lines.. Hopefully, LET US ALL PRAY THAT BOTH LAW AND JUSTICE MARCH TOGETHER TO MEET THE ENDS OF JUSTICE in our long drawn out legal battle.. I am not a pessimist; but an optimist to the core and with firm Faith in the Divine Dispensation of Fair play.Greetings and Best Wishes for A HAPPY SHIRDI SAI DHARSAN YATRA.Yours,--------SRNagarajan

16)Madam EDITOR. It has been very interesting information reg: the tax calculations shown in page 16 of your bulletin Varistha Vaani for January 18. I received it only yesterday. I remember that there are some changes to the proposal which have been passed in their budget session . I would be too happy if you can devote some time to reproduce the tax finalized in your next bulletin.--- T.V.Ramakrishnan. Life member,VVAANI

ii)How do u do ?I sent alert 15/20 days before reinvestments for taking full advantage of Sec 80 C & I got good response & thanx

Hope u saw thatPLUS NEXT YEAR HAVEN for SR CITIZENS as  Rs40,000 Std Deductions eligibility & Rs 50,000interest TDS exempt, above that only will be taxed

Greetings,if possible send LFDonation as Sr Counsel fee is high & noted expert Sri KTSTulsi

Above 80 get NO TAX upto Rs 5 lacs

-----RBKISHORE, VP,AIRIEF

17)Renewal Expense Ratio-by Shri R Ramakrishnan, An Actuary

Dear Mr Sahni, Thank you for forwarding the article of Mr R Ramakrishnan.He has no doubt correctly analysed the financial trend of LIC with a focus on expense ratios in relation to regulatory  stipulations.Although nobody can contest that LIC needs to tighten its expense management, the component of commission in the expenses is a variable item of expenditure and will be adequately controlled by a matching  increasing premium income provided the same is of the right composition.But what is causing anxiety  as seen from the data analysed by Mr R Ramakrishnan is the deterioration in the average annual rate of growth in First Year  & Renewal Premium in the recent past.The decline in the number of Club Members of the Corporation over a period of time observed by Mr Ramakrishnan reveals the weaknesses that have crept into our marketing system.In my view,the recent trends in new business indicate,that the group portfolio  dominates LIC Market share in First Year Premium Income with about 40% of the individual business first premium being garnered by the private life insurers.

The other major area of expenditure is the Salary Expenses and other benefits to employees.If the prescription of  tightening  of expenses is to be acted upon by LIC,the direct target will be only salaries of employees which constitute a fixed category of expenses.The only way LIC  can adhere to the regulatory stipulations on the expenses front will be by registering a consistent growth rate in premium income in a qualitatively good composition ensuring a consistent growth in renewal premium income.

Ironically in the recent past,while  there has been a trend of  of declining average annual growth rate in premium income and increasing average  annual rates of expenses,LIC has been able to provide  attractive wage revisions to employees at regular intervals of five years with a cascading effect of corresponding  guaranteed increase in pension to the beneficiaries of the wage revision.Let me hasten to add that I don't grudge it as I have also enjoyed wage revisions in  my service period barring the long moratorium period from 1970 to 1983  when LIC  Class I Officers suffered without a wage revision.

It is a further irony,that the older generation of retiree-pensioners who had contributed to a much higher rate of growth of premium in earlier decades are lagging far behind in the pension that they receive compared to the guaranteed higher pensions that will be received by the present generation of employees after their retirement despite the present situation of increasing  annual rate of expenses and decreasing annual rate of premium income if we go by the analysis of Mr Ramkrishnan.Such a situation itself warrants upgradation of pension with every wage revision.In my view,expense control should be measured in ratios  to premium income and what matters more is the focus on increasing the premium income of good quality which constitutes the critical denominator.If there is a healthy and consistent growth in premium income,then the expenses  incurred would be worth it.

Kind regards.----------------------------C H Mahadevan 

18)Dear friends,COMMENTS OF SHRI CH MAHADEVAN,RBKISHORE  on aiipa circular D/15 03 2018

1)Absolutely true Sri CHMahadevans comments Correct in every respectIn fact insurance industry is the only industry where Employees do not join Pensioners for any matter pending or solving genuine issues & problems of aged pensionersThough they were supposed to join discussions with AIRIEF & Fedn of Retd Class I Officers Assn at Bangalore after our SZ ,SCZ Zonal Council Meetingthey absented themselves

2)Same is the case with their yet another Call for Joint efforts combined to meet the threat of Govts undue delay to sanction PU for Insce pensioners,stating NOW that PRules 1995 & CG pension Rules are similar &so Govt must approve PU . Has Wisdom dawned only now so belatedly to point out this &vainglorious attitude topaint them as patriarch of this new venture

 3)They were the people who thwarted every attempt of a TwinBenefit victory , going unnecessarily to Govt to get DR ONLy dictum & wanting to sabotage progress  They were the persons who sensing positive & favourable developments on Courts , so Belatedly woke up to join other Pensioner Fedns &put in their SLP  

 4)When sensible people pleaded realistically that Employees & Pensioners are 2 sides of the same coin. & that after all Todays Employees are Tomorrow's Pensioners  ,they seemed to ignore & even scoffed at this idea &truth. 

  5)They were prepared to take up pension 2nd option more vigorously &have not demonstrated their true faith for complete PU.We know that inLIC Confidential Note secured thro RTI,LIC has mentioned categorically that Pension Optionis very costly & PU will involve moderate outlay & so can be consideredGOI has also refused another Pension option to few RBI Pensioners too.

6)They do little to Pensioners fraternity but always when victory comes , earlier toofor various pensioner issues, they secure maximum collections from pensioners to enrich their coffers

7)Let them declare openly their wholesale & total support to Pensioners & that they will join Pensioners fully & truly in all endeavors to promote Pensioners progress & welfare as a mark of respect for Elders &Sr Citizens who with fullest devotion & dedication created this Marvel of an Institution, no better 3 letter word than LIC, anEconomic Tajmahal & this Sterling Financial & Service Institution Pensioners are made to suffer due to pulls & pressures in different

directions,costing us dear valuable loss of human lives. a tortuous marathon legal battle,needless expenses & exhorbitant cost, unbearable efforts & Himalayan waste of energy.Pray wisdom & maturity dawns soon

------RBKISHORE, VP, AIRIEF

19) Friends Please find attached the letter to Governor,RBI & Circular to all received from Com Samir Ghose,Convener of the United Forum of Reserve Bank Officers & Employees.After 6th Dharna the ball has been set rolling and further moves have been set by the Forum. WE have to support this all out and see that the Bank & GOI realise power of trade union movement. RBI communityhas proved its mettle in the past. This is the Final battle in resolving fundamental issues of pension as also of NPS optees. Further, some units have not yet send their formal reports of Dharna Programme. They are requested to do so as we are under the banner of AIRBREA and we are in the process of formalisation of our association. I also remind you to please send your report of meeting members of SLC in your respective area. The matter is not yet over and you have to again prevail on them to uphold their historical report.The undersigned would further move once you send your report of action. Please do not takecasually this matter. We should not miss the bus. We have to turn every stone in the process of resolving our issues.

With fighting greetings------Parab L R GS, AERBREA

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20) Respected Sri. N.A.N.Narayenan, We could very well understand your innermost feelings upon the prolonged hearings in the High Courts and Supreme Court for the past two decades. While the bureaucracy never intends to come forward  to put an end to the sufferings of its own

erstwhile employees ( all the categories of pensioners -- Senior Citizens, Octogenarians, Septuagenarians, Family & Ex-gratia ), it prefers dragging them to streets for fighting for their legitimate demands. Since the repeated moves of representatives of pensioners could not convince LIC Management and the Union Finance Ministry, they were forced to seek legal remedy.

We are already aware that the present system of judiciary is such that we have to wait for years to secure the lasting solution. Now we have come to the last leg of our legal fight. As one or two of pensioner-organizations are yet to file their rejoinder to the reply of LIC, there is a delay in fixing the hearing date in SC. Summer vacation for SC is to commence from 20th May, 2018 and there are about 49 days in between. Hectic efforts are being taken by AIRIEF to seek the fixed date of hearing through designated Bench of SC under legally allowed " MENTION " procedure. Any miracle may happen at any time. Let us not lose hopes. Having full and strong faith upon the all-out-efforts of AIRIEF is the need of the hour. " Ultimate Win " Will Certainly Be Ours.   Being a senior-most and seasoned trade union leader, you need no more elaboration from your own junior disciples.With highest regards,-----------M.P.Subrahmanian.   

21) MINISTRY OF LABOUR & EMPLOYMENT HAS NOTIFIED THE INCREASE IN GRATUITY TO RUPEES TWENTY LAKH WEF 29.03.2018

Posted: 29 Mar 2018 08:43 AM PDT

                                                 MINISTRY OF LABOUR AND EMPLOYMENT                                                                  NOTIFICATION                                                   New Delhi, the 29th March, 2018 S.O. 1419(E).—In exercise of the powers conferred by sub-section (2) of section 1 of the Payment of Gratuity (Amendment) Act, 2018 (12 of 2018), the Central Government hereby appoints the 29th day of March, 2018as the date on which the said Act shall come into force.                                                                                                    [No. S-42012/02/2016-SS-II]                                                                                                    MANISH GUPTA, Jt. Secy. 

                                                                     NOTIFICATION                                                      New Delhi, the 29th March, 2018     S.O. 1420 (E).—In exercise of the powers conferred by sub-section (3) of section 4

of the Payment of Gratuity Act, 1972 (39 of 1972), the Central Government here by specifies that the amount of gratuity payable toan employee under the said Act shall not exceed twenty lakh rupees.                                                                                                          [No. S-42012/02/2016-SS-II]                                                                                                          MANISH GUPTA, Jt. Secy. 

GAZETTE NOTIFICATION DATED 29.03.2018

22)Look at the manner in which immediately pensioners important issues are tackled by Appeal to resolve the issues in a forthright manner.---RBKISHORE

ToShri Rajkiran Rai G.,M.D. & C.E.O.,Union Bank of India,Central Office,Mumbai.

Sir,

Non payment of pension to our Bank's RetiredEmployees - Nadiad Branch (Gujarat State)

    We are thankful to our Bank's Central Office management for remitting pension of our Bank's retired staff for the month of March,'18 to all the Branches on 27th March,'18. The Branches immediately responded the entries and credited the pension to the respective Savings Accounts of our Bank's retired employees.

    However, it is a matter of utmost regret that the Branch Head, Nadiad has withheld pension of all the the retired employees of our Bank drawing pension from that branch under the pretext of staff shortage. Further excuse is also shown that Income Tax is to be deducted from the Pension. The real fact is that the aggregate amounts of pension in cases of  98% of the Pensioners do not attract any income tax.  Once the pension amounts are received by the branches from the Central Office, crediting pension to the respective Savings Accounts of the pensioners is only a few minutes job for the branches. Moreover, salary of all the working employees (including  salary of the Branch Head himself) for the month of March,'18 is already received. Therefore, there is no justification for the Branch Head to withhold the pension. 

    Kindly, therefore, advise the Branch Head, Nadiad to credit the pension of our Bank's retired employees for the current month forthwith. Please also take appropriate action against the Branch Head for unjustified delay for crediting the pension.  

    With due regards to you,

Yours sincerely,------B.G.Raithatha, General Secretary,UBREA

C.c.to:-(1) The General Manager (P/HR), Union Bank of  India, Central Office, Mumbai(2) Com.D.A.Masdekar, Chairman, All India Union Bank Retirees' Federation, Mumbai(2) Com.M.K.Mundul, Acting General Secretary, All India Union Bank Retirees' Federation, Mumbai

COLLECTIONS by R.B.KISHORE,VP,AIRIEF, /4/2018

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