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CONTENTSParticulars Page No.

G E N E R A L 4 - 34

(Message - V.K. Aggarwal, M.M. Aggarwal,

S.K. Aggarwal, Editorial, RREWA General

Secretary Report, Pensioner’s Voice, Trains

at Gurgaon - Up Trains & Down Trains, Working

Committee, Calander of General Body Meetings

of the Association, Balance Sheet & Donations)

C I R C U L A R S 35 - 63

Defence Pensioners Summary ofRecommendations of Secratries Committee 64

Membership Form 66

Govt. Health Plan in Pvt. Hands 67

M E D I C A L

Obesity 68

Sleep Disorders 72

Healthy Ageing 75

Memorandum dated 23rd September, 2009 79

L E G A L

Court Verdicts 81

Will 83

T A X A T I O N

Taxation of Sr. Citizens 91

Proposed Direct Tax Code discussion paper 97

Article - Chandra Mowli Mullapudi 100

Message-All India Retired Men’s Federation 101

Golden Thoughts 102

Phiolosophy of Life 103

PENSIONERSJOURNAL

2009

Published By

THROUGH

PRESIDENTRETIRED RAILWAY

EMPLOYEE’S WELFARE

ASSOCIATION

Gurudwara Road,

Gurgaon

Printed by

Bee Emm Printing Press

M . : 9810082017

Resi. : 3296809

Laser Typesetting& Designing by :-

NITIN GUPTABEE EMM PRINTING PRESS

M . : 9810880681

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V. K. AGARWALFORMER CHAIRMAN RAILWAY BOARD& EX-OFFICIO PRINCIPAL SECRETARY

GOVT. OF INDIA

• ONGC - Integrity Pact Monitor

• INAE - Chairman, IEH (Rly.) Group

• NHAI - Arbitrator

• RITES - Hony. Adviser

• RITES Journal - Hony. Editor-in-Chief

Message

The Retired Railway Employees Welfare Association (RREWA), Gurgaon is doing ayeoman service to Railway Pensioners. Its yearly Journal is not only interesting andinformative but also provides guidance to the retired railway employees on various issueslike health care, financial planning, etc. It also keeps the Pensioners upto date about therelevant decisions taken by the Railway Administration from time to time. Its Website:www.rrewa.org provides current information with ease to all Pensioners & Senior Citizens.

During the year special efforts of the Management have been recognised by theGOI and a Grant in Aid of Rs. 60,000 per year with a complete set of desktop computerprovided for the RREWA. The National Informatics Centre (NIC) of the GOI associatedthe Association for a T.V. serial and several Railway Pensioners associations fromdifferent States joined the RREWA. The RREWA has also been nominated to SCOVA.Management of the Association is in competent hands and I am confident that the RREWAwill not only continue its efforts in the right direction but will further improve itsperformance to achieve greater heights.

The efforts and activities of RREWA need more finances and support from all itsmembers which I am sure will be forthcoming. I wish the Office Bearers of the RREWAand all its Members all the best in the years to come.

(V. K. Agarwal)Patron

Retired Rly. Employees Welfare Association


Bhargava Guest House

B.G.H. Main BLDB.G.H. Main BLDB.G.H. Main BLDB.G.H. Main BLDB.G.H. Main BLD

Bed With Attach Toilet Rs . 550 Per day. ac Room (Double Occupancy )Rs. 1000per DAY. Check out Time 12.00 noon Service Charges 10% Extra

Salient Features :• Managed by Ex-Army Officer• Rooms are fully Furnished with 2 Single Bed With attach toilet• Room equipped With Steel Almiram and a Dressing MIrror• Rooms are Provided with 24 Hrs. Hot & Cold Water Supply• Stand By-Generator Back Up, Telem Phone, Call and Colour Cable TV. Facility• Special Security ArrangeMent gor Vehicle Being Parked At Night• Discount on RoomsSpace on Company lease, Marriage Parties, Miniparties

Shyam Hari Bhargava Place, New Railway Road ,Gurgaon-122001. (Hr.) Tel.: 0124-4065557, 2391678

Fax: 0124-2308163 (M) 9899123208Website : www.bhargavaguesthouse.com

Lt. Col. (Retd.) R.K. Bhargava (Gen. Mgr. cum Co-owner)

Front OfficeFront OfficeFront OfficeFront OfficeFront Office

Conference HallConference HallConference HallConference HallConference Hall

Bed RoomBed RoomBed RoomBed RoomBed Room


Mr. M.M. AgarwalFormer Chief Engineer (N.Rly),

B.Sc, BE (Civil),MBA

— Fellow of Institution of Enginners(FIE)

— Fellow of Permanent Way Engineering(FIPWE)

— Fellow of Institution of Railway Transportation(FIRT)

— Former Member of Engineering Institution of Zambia(MEIZ)

— Former Member of British Institution of Management(MBIM)

— Fellow of Indian Council of Arbitration(FICA)

— Fellow of Institution of Valuers(FIV)

Message

It is gratifying that RREWA is completing 14 years in the service ofpensioners and is publishing its 14th annual issue of “Pensioners journal” whichhas improved in quality & popularity year by year among Pensioners & SrCitizens. Besides updating pensioners in rules and regulations, it provides usefulinformation about Income Tax, Health, legal issues and also highlights theirproblems.

It is really inspiring that RREWA’s efforts in the field of Pensionerswelfare of have been recognized by the Govt. of India and a Grant in Aid ofRs. 60,000 per year with a complete set of desktop computer with printer hasbeen provided to it. RREWA was also associated for a T.V. serial e. Kirantiepisode -3 and has also been nominated to SCOVA. RREWA has been a pioneerpensioners Association in e-communication which has facilitated activeparticipation of its members in distant locations.I am confident that the RREWAwill not only continue its efforts to further improve its performance & will achievegreater heights.

The efforts and activities of RREWA need more finances and activeparticipation by all its members which I am sure will be forthcoming. I wish themanagement of the RREWA and its Members all the best in the years to come.

M.M. Agarwal

PatronRetired Rly. Employees Welfare Association

Gurgaon


With Best ComplimentsFrom :

Electronic GalleryDeals in :

Domestic & Commercial Air Conditioner,Water Cooler, Deep Freezer &

Water Dispenser etc.Authorised Dealer :

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vvvSANDEEP JAIN


S.K. Agarwal

B.E. (Civil) Roorkee

Ex I.R.T.S.,Member I.R.T.

Retired Chief commercial Superintendent. E.Rly.

Message

It gives me immense happiness to learn that the R.R.E.W.A. iscompleting 14 years in the service of Pensioners and they are alsopublishing their annual Journal.

The association has immense popularity and have beenrelentlessly advocating the cause of the retired persons. Their Websiteprovides very vast, useful databank. The Association by theirobjective and useful efforts have also gained prestigious recognitionby the Government of India & several other bodies. Their effort tofac i l i tate su itab le p lacements for ret ired Ra i lwaymenis laudable.

I convey my best wishes to RREWA and to its untiring Team.I appeal to all the Railway Pensioners to extend their fullest supportto the Association

Sd/-S.K. Agarwal

PatronRREWA


EditorialThe rationale for Pension Parity

Pension is a deferred wage, paid in consideration of past service which an employee renderedsacrificing the prime of his youth for the sake of the Government & the quantum of such pension shouldbe such that he is able to lead a dignified life in his twilight years maintaining as far as possible thestandard of living he was used to during his service life! It is in view of this basic principle that the apexcourt of the country has repeatedly ruled that any classification of pensioners at any time will have toanswer the test of article 14 of the Constitution and further concluded that pensioners for the purposeof pensionary benefits form a homogeneous class and such a homogeneous class could not bearbitrarily divided on the basis of dates of retirement whenever the pension undergoes an upwardrevision and hence the fixation, at any time, of any cut off date for any new benefit is arbitrary. Any actwhich seeks to classify or divide pensioners into two or more classes is not based on any rationalprinciple, and hence it would constitute a violation of article 14 of the Constitution. Thus, parity ofpension as between one who retires with a certain pay and a certain rank on a particular date andanother one who draws the same pay and with the same rank but retires on a subsequent date is thusa constitutional right guaranteed under article 14 of the Constitution and sanctified by the apex courtand many High Courts in their landmark judgments. The demand for one-rank-one pension for allDefence personnel or pension equal to 50% of the pay as notionally revised in the new pay structurecorresponding to the scales from which the employee retired is therefore a just one, which thegovernment should readily accept .

The argument of huge financial burden on the national exchequer and the danger of the economybeing thrown out of gear to reject this just demand is just a bogey and indeed this has never beenaccepted by the apex court and many High Courts. . If the arbitrary and frequent increase in theremuneration of Members of legislatures without any public discussion and generally by voice vote,and of Ministers & top bureaucrats (read IAS) or those in the higher echelons of administration, thehuge expenditure on the security of politicians, which is generally more of a status symbol than anygenuine security cover, the circulation of fake Currency, the absence of any effort to rein in the parallelgrey market economy, the gobbling of resources earmarked for social welfare schemes by politiciansand vested intermediaries etc. are not going to involve a huge drain on the national exchequer andthereby derail the Indian economy, then how can the just demand of those who actually spared noeffort and bore on their shoulders during the prime period of their lives the brunt of running theadministration to meet the loud articulations of the rising hopes and aspirations of the common man inthe newly emerging independent India, can be thrown out on the ground that it would cause a seriousfinancial imbalance and throw the Indian economy out of gear? Why is only the poor pensioner beingmade to suffer for no fault of his? He is suffering perhaps because he has so far not realized his ownpower i.e. the power of vote. It need hardly be pointed out that generally one retired person has in hishands the power of 6 votes i.e of himself, his spouse, his son, his daughter-in-law, his grand daughter& grand son.

There are almost two crores of such pensioners (i.e from the Centre, the States, the Defenceestablishments, the Railways, the PSUs, Banks, the Education department etc.) and they would thusconstitute a vote bank of about 12 crores. So the clarion call to all the pensioners is: “Stop crying,wake up and realize the enormous power in your hands. The Governments & the politicians seem tounderstand only the language and power of the Vote Bank. You cannot fight your battle individually, nordo you generally have the wherewithal to do so. So, join the larger community of senior citizens andconsolidate your own Vote Bank. Once you do so, the politicians will come running to you & you willget what you want. Let not any further time be lost in consolidating the vote bank. So, hasten, lendyour helping hand and strengthen the hands of the organizations that have dedicated themselves toimproving the lot and welfare of the pensioners”.

S.C.Maheshwariwww.rrewa.org


With Best Compliments From :

Unique Security (Regd.)Security with Confidence

Ranjit Singh RaghavB.A., L.L.B.

Divisional Security CommissionerCum Commandant RPF (Retd.)

(((((Office : 2300044Resi. : 2331010

Mobile : 9312247506

396/12, New Railway Road, Opp. S.S. JewellersGurgaon - 122 001 (Haryana)

Mobile : 9811730044


RREWA General Secretary Reports

Ladies & gentlemen :

Past 12 months have been very eventful for this Association :

1. Association was sanctioned a Grant in Aid of Rs 60000 per year & complete set of desktop

computer along with a printer cum copier by the Ministry of Personnel, PG & Pensions-DOP

2. NIC –National informatics Centre & DOP GOI associated this Association right from script

writing, acting & Shooting of episode No 3 of TV serial E-Kiranthi Telecast on Door Dharshan 29.06.09

at 19 .15 hrs. all the actors in this episode are RREWA office Bearers& EC members.

3. RREWA nominated to SC OVA

4. Association had been instrumental in getting RELHS reopened for another year.

5. Added 108 new life members from all the four corners of the country.(100 members from

outside Gurgaon) & RREWA proudly conferred its first life membership out side the country i.e on

Mr. V.K Dorairaj a Rly pensioner settled in California (USA). RREWA also acknowledge with

thanks his Donation of Rs. 2000

6. 10 Associations from 8 states i.e. Rajasthan, MP, AP, Punjab, Haryana , West Bengal ,UP

& T N got associated with RREWA.

7. e- working: - RREWA had been the first Indian pensioners Association to launch its own web site

on 01-01-08 which according to Google’s analytical reports, registered over 56000 visitors from

12 countries including India in the first 20 months of its launch. Now this year from August 2009,

RREWA has introduced another first revolutionary step in the management of Pensioners

Associations in India by permitting its outstation E.C. Members to participate in E. C. meetings

through electronic media i.e. through Chat & video conferencing through Skype. RREWA also plans

to afford similar facilities to its outstation life members whose tally is increasing fast.

All this success could be possible due to team effort & professional approach. On behalf of

RREWA I am thankful to our life members Sh. M.L.Kanaujia (Dheradoon),Sh N.P.Mohan

(Chandigarh)Sh.V. Natarajan .(Chennai),Sh. K,.S. Sitaraman (Mumbai),Sh Nagarajan Sundarararajan

( Ahemadabad),Sh. M.V.Ruparelia,(Mumbai)Sh.Chandramowli.M (Hyderabad), Sh. Kuppusamy

Srinivasan (Chennai)& Sh. S.L.Bedekar (Banglore)Who through internet have been providing

invaluable support, guidance & analysis. I am also thankful to Sh. G. Ramdass of S 30 group for his

explicit PPTs explaining 6th CPC anomalies .

Ladies & Gentlemen

RREWA, Think –Tank through web site rrewa.org provided one of the best analysis & appraisal of

6th CPC recommendations bringing out the anomalies. Association co-ordinated with other


( : 2326726, 2327048

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ON THE PANEL OFON THE PANEL OFON THE PANEL OFON THE PANEL OFON THE PANEL OFDelhi Universitry, Delhi Vidhyut Board, NDMC, BSF, DVB,

JAL Board, L.I.C. & M.C.D.Cashless Mediclaim Insurance lqfo/kk


pensioners organizations &submitted carefully worded precise representations to P.M., DOP & the

NAC requesting rectification of anomalies.

At local level :- We could get Super speciality Artemis Hospital & speciality Hospital Pushpanjali

recognized for the cashless treatment of Rly Pensioners. Dr. Lal’s laboratory GGN was also

recognized for diagnostic facilities, but this lab stopped service after few months. Efforts are on to get

another Lab recognized. Two free health check up camps also were organized for the benefit of

Pensioners.

Failures:

I will be failing in my duty if I go on harping on success stories only, so let me tell you the

failures:

We now have a think-Tank comprising persons from top intelligentsia of Pensioners who

provide through internet, analysis & guidance about the action to be taken. We do have a team to

assist us through internet in drafting representations etc for national level issues of Pensioners.

But Inspite of best efforts RREWA has failed

1). In raising 2nd line of leadership and active volunteers. Today, in addition to active field

workers with marketing skills to get advertisement &to register new members, we need

dedicated internet savvy volunteers (from among Members) with command over language, for

searching useful information, analysis, drafting representations by working from their residence

2.) In generating viable source of regular income, through advertisements & by providing 2nd

career Job opportunities. So far we are depending on donations & few advertisements which are

mainly from our honourable members.

RREWA web site which has registered over 57000 visitors in first 20 months, urgently needs

major revamp which require sufficient monetary inputs: At the time of initial designing we had not

speculated such a huge response & popularity. Thus it was designed for a limited Database &

Features. But due to popular demand it is now overloaded with Data Features. Consequently

it is nearing a collapse. Donations appear to be only alternative. Therefore, I request Patrons,

Members and all Well Wishers to donate generously.

I also request our Patrons & other distinguished members to help & guide us to handle

these issues.

Jai HindS.C.Maheshwari


DEEPMALA GROUPSADAR BAZAR, GURGAON

Opp. Hanuman Murti, Sadar Bazar, Gurgaon,Ph. 2316338, 4066338

Main Sadar Bazar, Gurgaon,Ph. 2316338, 4066338

Main Sadar Bazar, Gurgaon,Ph. 2316338, 4066338

MENS OWN FASHION STORE ALL GARMENTS FASHION STORE ALL SAREES FASHION STORE

Deepmala

Deepmala

R E A D Y M A D E S SAREES


PENSIONERS’ VOICE

It is a fact that most of the pensioners are unaware of their real entitlements,

which had been probably taken advantage of by Powers that be, leading to reduced pensioner

other than revised pension, which arose out of inconsistencies/misinterpretations on

implementation of the accepted 6CPC recommendations.

1. The Pensioner of date, would have served for 3 decades, covering at least three Central Pay

Commission Periods. The accepted recommendations of First, Second, Third and Fourth CPCs

were implemented from 1.1.1947, 1.1.1959, 1.1.1973 and 1.1.1986 respectively. It is significant to

note that one pay revision has been evaded during the course of 1957-1986. An employee who

commenced his service during the I CPC period, viz. 1947-1959 and retired during 1990-2000

would have got his last pay earned as a basic factor to the extent of 50% as basic pension, which

itself involved evading one revision in between, has undergone further curtailment as stated in the

succeeding para.

2. The induction level pay package coupled with career progression for the served employees

of yester years, when compared with career progression for the present day employees is vastly

different. Although the 6CPC has recommended that fitment formula applicable to the serving

employees are to be extended for pensioners also, in reality, because the fitment formula of 1.86

multiplying factor over the pre-revised basic pay (S-1 to S-23) has been prescribed for the serving

employees, the retirees of the said scales also have been provided with three minimum pay bands

for application of same formula to constitute 50% of the respective Pay Bands, but irrespective of

pre-revised scale along with 50% of Grade Pay applicable to pre-revised scale to constitute

minimum assured revised pension w.e.f. 1.1.2006. Furthermore such minimum pension in actual

terms has resulted in a reduction to the extent of an average 10 -15% or even more from the

prescribed 50% of the ‘Pay in the Pay Band’ as per para 4.2 of DOP&PW OM dated 1.9.2008 by

modifying the same as ‘Pay Band’ as per OM dated 3.10.2008. While for the pre-revised scales

S-24 to S-29 a multiplication factor of 2.6 has been allowed, the reduction in pension in those cases

also occurred owing to the said modification. The exceptions are for S-30 onwards, where a

multiplication factor of 3 has been granted.

3. Besides restricting the Pay in the Pay Band to Pay Band as above, the multiplication

factor applied as a common phenomenon under the pretext of extending the fixation formula

of serving employees to Pensioners also, has also been devised so as to be 40% of

pre-revised pension instead of 40% of max. of pre-revised scale, to get added with 1.86 mf over

pre-revised pension, to constitute overall 2.26 multiplication factor for arriving at Revised Pension

w.e.f. 1.1.2006 as per Para 4.1 of the DOP&PW OM dated 1.9.2008.


INDIAN INSTITUTE OF MENTAL HEALTHIIMH (Estd. 1988)

Gurgaon Faridabad Rewari Palwal

Director :

Dr. Ajay Bhargava Dr. Vijay BhargavaMBBS,DPM(NIMHANS)MIMA MBBS,DPM,MIMA

Mob. : 9212728301 EX. CHIEF PSYCHIATRIST VIMHANS,

Resi. : 0124-2570072 N-DELHI

Mob. : 9812160922

Facilities :

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V V V V V PSYCHOTHERAPY

Location :

• A101 Sector-57, Rail Vihar, Gurgaon, Sushant Lok 3

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• 71 Bhargava Market Complex, Bawal Chowk, Rewari

• Bagla Nursing Home, N.H.-2, Palwal

Phone :0129 - 2415347 01274 - 223541

Mobile :981023227 0981260922

Dr. Mrs. V. Bhargava MBBS,DCH

Child Specialist

A101 Sector-57, Rail Vihar, Gurgaon

Mobile : 9990541548

E-mail : [email protected]


4. Division of Pensioners as Pre-2006, Post-2006 and Post-2.9.2008 by virtue of different

pension formulae involving various analogies pertaining to methods of calculation as well as

qualifying service aspects has been resorted to during the implementation process, resulting in

gross violation of several judgments of the Supreme Court. Similarly, division of Pensioners as Pay

band-1 to 3, Pay Band 4 and HAG Scale holders has also been applied in unprincipled manner, with

varying multiplication factors, in the name of minimum assured guaranteed revised pension,

(besides the already reduced pension as stated in Para (1) above), thus equating those retired at

minimum of the pre-revised scale of pay with those at maximum. Up to V CPC implementations, all

pension revisions were carried out by Government on a common uniform pattern for all pensioners

in pre-revised scales S1 to S35.The VI CPC divided the pensioners by recommending four pay

bands with grade pay components and one group beyond the pay bands with different treatment for

each divided group. The result is that the lower level pensioners have been denied their legitimate

entitlements..

5 DOP&PW’s File Noting dated 25.9.2008 with a modified proposal in favour of Pensioners

earlier, have been altered post-haste at DOE’s end by issue of DO letter dated 26.9.2008 to the

Nodal Officers of PDAs. This letter has, after a period of 8 months, undergone material change by

converting the wording from ‘Minimum of Pay Band’ into ‘Minimum of Pay in the Pay Band’, as is

seen now in CPAO’s website, as if to mean that it conforms with initial OM dated 1.9.2008. but in

real and factual terms it DOES NOT CONFORM with the original OM dated 1.9.2008, since the

PDAs have already acted upon the original version of the D.O.letter of 26/9/2008 of DOE, with

resultant curtailment of entitled pension for all the pensioners, even while the answer to Qn. No.4

of FAQ in the same website maintains the initial contention.

It is emphasised here that a pay band and GP can never travel together for the purpose of

revising the basic pension that was derived from a pre-revised scale from which the pensioner had

retired, but has been made to appear travelling together vide OM dated 3.10.2008, by sheer

misinterpretation.

6. It is pertinent to note that the 5th CPC had given a rider to the present Government towards

maintaining parity aspects vide its para 137.21 and had itself implemented to the extent of pre-1986

with post-1996 pensioners at that time itself, which unfortunately has been ignored both by VI CPC

and the Government. This has happened in the absence of a Constitutional Status as recommended

vide Para 171.11 by the V CPC to the Pay Commissions for functioning as a Permanent Pay Body.

In the line of V CPC, the recommendations of such Pay Body would not be advisory in nature as

hitherto, but would be in the nature of an award which is binding on all parties concerned. Keeping

the same in view, the Bharat Pensioners Samaj has submitted its Resolution passed during its

Annual General Body Meeting on 9.8.2009 for notional fixation of last pay drawn in the revised



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structure to derive the revised pension w.e.f. 1.1.2006.

7. The application of uniform multiplication factor, viz. 3.0 over pre-revised pension or over

50% of pre-revised scale minimum whichever is beneficial (because. those who retired with maximum/

stagnation, of/in, a pay scale cannot be equated with one who retired at minimum. of same scale)

in respect of all pensioners, will ultimately render justice and ensure maintenance of parity. As

such, the basic reference point, viz. respective pre-revised basic pension or pre-revised pay scale

will be a static component to derive the revised pension on application of a uniform treatment to the

Pensioners Community as a homogenous class at all points of time.

8. It is often said that the pension is paid as a monthly remuneration for the past satisfactory

service rendered and the foregone part of Employer’s PF contribution. The Pensioners’ Welfare

begins with the commitment of the Government to ensure the pension required for the normal needs

of an average retiree as a human being in a civilized community. The pensioner is not alone but

living with a family depending on him, who in turn has to take care of not only bare physical subsis-

tence but also maintenance of a standard health and comfort with decency/ of himself and his

dependents, in a conducive manner in the general interests of the public.

9. While the revised structure of a serving employee at every successive Pay Commission

period, has attached ongoing advantages, the pensioner is left with what is arrived at Minimum

Guaranteed Revised Pension (which at times get misinterpreted leading to reduced pension in

actual terms) or the Revised Pension corresponding to his pre-revised pension that had seen limited

revisions during the previous period as already stated. The pensioner’s fixation formula is yet to be

commensurate with the fitment weightage and the total pay package of the serving employee which

component had been arrived at by comparing with similar packages available in India (PSUs, Private

Organisations, etc.), even to the extent of 50%! The pensioner, is thereby deprived of matching

phase with that of such pay package. So far, there is no reference point available, beyond attempting

to reach parity at minimum level, because pension is paid to only Govt. Employees on retirement.

10. To conclude, all the Pre-6CPC Pensioners have been pushed into a struggle for justice.

After exhausting all possible avenues, save litigation with attendant financial costs, the Central

Government Pensioners’ Community ultimately depend on the highest offices of India to resolve

their grievances by ensuring complete uniform parity among the homogenous class of pensioners

as a whole, on implementation of the accepted recommendation of the Sixth CPC.

RREWA Think Tank

* * * * * * * *


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TRAINS AT GURGAON

UP TRAINS

Train No. STN From DLI/DEE DEC GGN PTRD RE DESTINDLS

IRD DELHI 4.00 4.34 5.26 6.09 6.50 REWARI

2414 POOJA JAMMU 4.25 4.55 5.13 --- 6.07 JAIPUR

3RD DELHI 5.35 6.09 7.05 7.48 8.30 REWARI

2015 Excpt3 NEW DELHI 6.05 6.35 6.53 --- 7.45 AJMER

385 DELHI 7.10 7.44 8.13 8.56 9.40 REWARI

4705 3,5,7 DELHI SARAI 7.55 8.10 8.33 9.05 9.55 SADULPUR

9264 1,4 DELHI SARAI 8.40 8.56 9.19 9.49 10.25 P O R B A N D A R

2MNR Meerut/New Delhi 9.25 10.00 10.32 11.15 11.55 REWARI

4311 2,4,5,6 BARIELLY 11.45 12.18 12.41 13.11 13.43 BHUJ

4321 1,3,7 BARIELLY 11.45 12.18 12.41 13.11 13.43 BHUJ

IRDE DELHI SARAII 12.15 12.32 13.00 13.43 14.25 REWARI

9270 1,7 Motihari/DLI 13.10 13.43 14.01 --- 14.50 P O R B A N D A R

5715 2.5.7 DELHI 13.40 14.13 14.31 --- 15.20 AJMER

9266 7 NEW DELHI 13.40 14.13 14.31 --- 15.20 OKHA

5RD DELHI 13.50 14.26 14.54 15.37 16.20 REWARI

2916 DELHI 15.00 15.30 15.48 16.14 16.42 AHMEDABAD

7RD DELHI 16.05 16.39 17.08 17.51 18.30 REWARI

4059 DELHI 17.40 18.13 18.36 19.06 19.43 JAISALMER

IRNT NEW DELHI 18.15 18.48 19.17 20.00 20.40 REWARI

2981 2,4,6 DELHI SARAI 19.40 19.56 20.14 --- 21.05 UDAIPUR

2958 Excpt2 NEW DELHI 19.55 20.25 --- --- --- A H M E D A B A D

9RD DELHI 20.05 20.38 21.07 21.50 22.25 REWARI

2461 DELHI 20.45 21.15 21.43 22.13 22.43 JODHPUR

2463 DELH SARAI 22.35 22.51 --- --- 23.55 JODHPUR

9106 HARIDWAR 22.35 23.03 23.23 23.48 0.20 A H M E D A B A D

2994/2015 1,4,6 DELHI 9.25 9.40 10.0 10.2 10.45 BANDRA

DELHI - GGN - RE

Train No. 2994/2993 will be re-numbered as 2015/2016 from 28/11/2009 and 29/11/2009



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TRAINS AT GURGAON

DN TRAINS

Train No. STN From RE PTND GGN DEC DEE/DLI DESTINDLS

9105 AHMEDABAD 3.35 3.55 4.20 4.40 5.25/DLI HARI DWAR

2464 2,4,6 JODHPUR 4.07 --- --- 5.04 5.30/DEE DELHI SARAI

2982 1,3,5 UDAIPUR 4.07 --- 4.47 5.04 5.30 DELHI SARAI

2462 JODHPUR 4.37 4.57 5.27 5.46 6.25 DELHI

2957 Excpt1 AHMEDABAD --- --- --- 6.42 7.25 NEW DELHI

2RDE REWARI 5.30 6.00 6.56 7.24 7.50 DELHI SARAI

2RNT REWARI 6.30 7.00 7.43 8.11 8.53 NEW DELHI

2RD REWARI 7.20 7.50 8.33 9.01 9.40 DELHI

2915 AHMEDABAD 8.25 8.45 9.10 9.29 10.10 DELHI

9265 6 OKHA 8.45 --- 9.25 9.43 10.45 NEW DELHI

4060 JAISALMER 9.10 9.30 10.00 10.23 11.05 DELHI

4RD REWARI 9.45 10.15 10.58 11.26 12.10 DELHI

386 REWARI 10.55 11.25 12.08 12.38 13.20 DELHI

4312 1,4.6,7 BHUJ 12.37 12.57 13.27 13.50 14.35 BANDRA

4322 2,3,5 BHUJ 12.37 12.57 13.27 13.50 14.35 BANDRA

6RD REWARI 13.15 13.45 14.28 14.56 15.35 DELHI

IMNR REWARI 14.55 15.25 16.08 16.36 17.20/NDLS MEERUT

4706 3,5,7 SADULPUR 16.45 17.06 17.36 18.00 18.25 DELHI SARAI

8RD REWARI 17.15 17.45 18.28 18.56 19.35 DELHI SARAI

9263 2,6 PORBANDAR 18.02 --- 18.47 19.08 19.35 DELHI SARAI

5716 1,2,4 AJMER 18.02 --- --- 19.08 20.00/DLI DELHI

9269 4,5 PORBANDAR 18.02 --- --- 19.08 20.00 Motihari

10RD REWARI 19.15 19.45 20.28 20.56 21.35 DELHI

2413 JAIPUR 20.20 --- 21.00 21.20 22.05 JAIPUR

2016 Excpt3 AJMER 21.02 --- 21.42 22.02 22.40 NEW DELHI

2993/2016 1,3,6 BANDRA 10.45 --- 10.29 11.45 12.10 DELHI SARAI

RE - GGN - DELHI

Train No. 2994/2993 will be re-numbered as 2015/2016 from 28/11/2009 and 29/11/2009



Bhatnagar Maternity & Nursing Home

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P All Lab. Test doneP Most advanced computerised AnalyserP Urgent report in minutesP Special scheme for patient of chronic Disease like

Diabetes and Hypertension

G Pregnancy Test

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Regd. No. : HN2879


WORKING COMMITTEE

Retired Railway Employees Welfare Association490/A16, Gurudwara Road, Civil Lines, Gurgaon - 122 001

(Regd.)

Sr. Name Designation Address PhoneNo.

1 Sh. O.P Kumar President 719, Sec. 9 U.E. Gurgaon 99116631009911661300

2 Sh. S.C. Maheshwari Genl. Secy. 490A/16, Civil Line, Gurgaon 0124-2302262Fax : 230042309868488199

3 Sh. S.P. Bhardwaj Vice President E101, Rail Vihar, Sector- 57, 9810914167Gurgaon

4 Sh. C.L Khichi Secretary 1084/29 Laxman Vihar, 9313051211Ph. - 1 Gurgaon

5 Sh. S.P Bhargava Treasurer C. 236, Mianwali Colony, 2325674Gurgaon 9971188188

6 Sh. M.R. Taneja Auditor 559/11, Nehru Lane, Gurgaon 2329594

7 Sh. Lal Chand Member 1761 /4UE. Gurgaon 2300628

8 Sh. M.L. Mehta Member 1816/4 UE, Gurgaon 2326422

9 Sh. H.K. Adhlakha Member 884/4 UE, Gurgaon 2325229

1O Sh. Gurditta Ram Member 52A, Anand Garden. Gurgaon 2468534

11 Sh. H.P. Gupta Member 179 Sector-12A, Gurgaon 9911450979

12 Sh. K.D. Sharma Member 34, Guru Nanak Pura (W), 09814959594Jallandhar (Punjab)

13 Sh. M Chandramowli Member A 8 P& T Quarters, Sappers Line, 09441072434Paradise Point, Hyderabad 500 003

14 Sh.Srinivasan Kuppusamy Member New No 8, IInd Street, Sunderam 09445294308Colony, Tambaram Sanitorium,Chennai-600047


Jai Maha Kali Maa

Ch. Dhan Singh Ganpat Ram Saini-: Specialist in :-

Rewari Burfee, Desi Ghee ka Dhoda,Desi Ghee Ka Gajar Halwa & Snacks

Sadar Bazar, Gurgaon - 122 001 (Haryana)

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Manufacturing of :

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E-mail : [email protected] :

Sh. I. D. Grover

: 0124-4084261

: 0124-4084262(

R E


Calendar of General Body Meetings of the Associationfor Year 2009-2010

(In case there is any change in Date, Time or Place of Meeting

the same will be intimated by Post to the members)

Month & Year Date & Time Place of Meeting

Dec., 2009 27th Dec, 2009 at 4 pm Arya Samaj, New Colony, Gurgaon

Feb., 2010 28th Feb, 2010 at 4 pm Arya Samaj, New Colony, Gurgaon

April, 2010 25th April, 2010 at 5 pm Arya Samaj, New Colony, Gurgaon

June, 2010 27th June, 2010 at 5 pm Arya Samaj, New Colony, Gurgaon

August, 2010 29th August, 2010 at 5 pm Arya Samaj, New Colony, Gurgaon

October, 2010 24th October, 2010 at 4 pm Arya Samaj, New Colony, Gurgaon

Dec., 2010 26th December, 2010 at 4 pm Arya Samaj, New Colony, Gurgaon

Sd - President

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DeepmalaSadar Bazar, Gurgaon (Hr.)Phone : 3096386, 4067444

DeepmalaSadar Bazar, Gurgaon (Hr.)Phone : 2320754, 4067555

Readymades

WITH BEST COMPLIMENTS FROM :

Sarees

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LASweets & Restaurant

Sadar Bazar, Opp. Head Post Office, GurgaonPhone : 2321267, 4065815

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Retired Rly. Employee Welfare Association (Regd.) Gurgaon

Income and Expenditure Year 2008-09

penditure

Balance Sheet Year 2008-09

President Genl. Secy. Treasurer Auditor Sd/- Sd/- Sd/- Sd/-(O.P. Kumar) (S.C. Maheshwari) (S.P. Bhargava) (Abha Maheshwari)

Publishing of ‘Pensioner Journal’08’

Expenditurer Ex

Maintenance of Website & Space

Internet Charges

Printing & Stationery

Telephone Exp

Electricity & Water

AMC Computer

Conveyance

Affiliation Fee to federation

Postage

Legal Charges

Bank COmmission

Annual Function

Bi Monthly Gift For Member

Misc. Exp

Income Over Expenditure

Total

39455

8624

8392.5

827

2000

28070

2400

8853

3259

850

90

241

8581

419

1460

91084.5

204606

Life Membership Subsription

Membership Fee (Ord. )

Association Fee (Associates)

Income From Advertisement In

Journal

Income From Advertisement on

Website

Int on Saving Account- OBC

Donations

Int on saving Account-Federal

Bank

Grant From Ministry of

Personnel, PG Pensions-DOP

Interes on FDRS

Total

501

3501

30900

23500

42917

32903

822

166

9396

60000

204606

Amount Income Amount

Notes to AccountsAssets provided by DPO Ministry of Personnel, P.G. & Pensions

Assets Qty.Desk top 1

Printer 1

UPS 1

Capital A/C

Transfer From Income & Expenditure a

Cash in Hand

Liabilities

TotalTotal

Amount

OBC Bank Balance

Federal Bank Balance

Furniture

FDR150423.5

91084.5

241508

136807

50457

49049

4950

245

241508

Assets Amount


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Donations

S. No. Receipt No. Name Amount Date

1 2455 Sh. O.S. Yadav 500/- 26-10-09

2 2456 Sh. K.R Jain 300/- 26-10-09

3 2457 Gobind Prashad 300/- 26-10-09

4 2459 O P Kashik 1100/- 26-10-09

5 2461 Ram Prashad 500/- 26-10-09

6 2462 V.K Taneja 100/- 26-10-09

7 2464 H.C Sood 100/- 26-10-09

8 2465 U.C. Jain 200/- 26-10-09

9 2466 Smt Krishna sharma 200/- 26-10-09

10 2474 Sh Lal Chand 500/- 14-11-09

11 2494 Sh H P Gupta 200/- 17-11-09

12 2495 Sh O P Khanna 251/- 17-11-09

13 2496 Sh S P Bhargava 501/- 17-11-09

14 2497 Sh P L Dua 501/- 18-12-09

15 2551 Sh M.V. Ruparelia 1000/- 19-12-09

16 2552 Sh K C sharma 500/- 28-12-09

17 2553 Sh L C Atreja 500/- 28-12-09

18 2554 Sh C L Khichi 500/- 28-12-09

19 2555 Sh H K Adhlakha 500/- 28-12-09

20 2556 Sh J C Rao 500/- 28-12-09

21 2557 Sh A D Munjal 500/- 28-12-09

22 2560 Sh K K Sharma 100/- 28-12-09

23 2563 Sh Rajkumar 501/- 31-12-09

24 2564 Sh A.k. Mattoo 1000/- 1-1-09

25 2576 Sh N k Chaterjee 200/- 2-2-09

26 2434 Sh Vijinder Kumar 200/- 2-2-09

27 2436 Sh Indu Chopra 500/- 2-2-09

28 2577 Sh Dinesh kumar 1100 10-2-09


29 2579 Sh D N Narula 1000/- 18-2-09

30 2449 Smt Rajdulari 1000/- 18-2-09

31 2450 Sh S Sudar Shana 250/- 18-2-09

32 2583 Sh B S Rawat 500/- 22-2-09

33 2584 Sh R L Arya 200/- 22-2-09

34 2585 Sh O.P Kausik 1100/- 22-2-09

35 2586 Sh A.K. Taneja 2100/- 22-2-09

36 2587 Sh S.k Aggarawal 2100/- 22-2-09

37 2588 Sh Booh Raj Gambhir 200/- 22-2-09

38 2589 Smt Anjali Guha 1000/- 22-2-09

39 2590 Smt Nimita Ghosh 500/- 22-2-09

40 2591 Sh S. K Suri 1000/- 22-2-09

41 2592 Sh R. K Jain 500/- 22-2-09

42 2593 Sh V.k Aggrawal 2100/- 25-2-09

43 2599 NFRIY Ass.Pandu 200/- 16-3-09

44 2602 Sh K L chopra 500/- 13-4-09

45 2604 C P Budhiraja 500/- 19-4-09

46 2607 C P Budhiraj 100/- 19-4-09

47 2651 K D sharma 500/- 1-5-09

48 2656 K C Malhotra 500/- 28-6-09

49 2617 Ragunath Mangla 100/- 11-7-09

50 2622 S.P. Bhardwaj 1100/- 28-7-09

51 2625 C P Gupta 1100/- 3-8-09

52 2628 Ram Mohan Rao 300/- 10-8-09

53 2629 R C choudhary 1000/- 10-8-09

54 2630 H K Adhlakha 1000/- 17-8-09

55 2632 R S Yadav 500/- 30-8-09

56 2633 S K Bassy 1000/- 30-8-09

57 2634 Arjun Lal Narula 50/- 30-8-09

58 2679 V K Dorairaj 2000/- 21-09-09

59 ____ Sh. Chaman Lal Sharma 500/- 26-09-09

Total 37,354/-

RREWA Acknowledge with thanks the Generous Donationsfrom its Members and Well Wishers


No. F (E) lll 76PN-1/7 New Delhi , dt. 15. 9. 1980

Subject : Commutation of pension-date from which reduced pension become effective.

Referenoe ministry of railway ‘ latters No. f (E) 79 P.N-1/4 dt .1.6.79 and no. pc -lll79DP-1 dt

.11.6.79 regarding liberalisation of persion formula and treatment of a portion of dearness

allowance as pay for the purpose of pens ionary benefite retired railway sarvants were revised and as

a such cases was also revised.

2. A point has been raised in regard to the date from which reduction in pension on account of the

upward revision of Commutation of pension would be effective. rule 2906-(2) of the railway pension

(commutation ) rules - reduction in the amount of the pension on aoount of receipt of the commuted

value of pension by thepensioner, , or three monthe after the data of the issue of the authority asking

the pensioner to collect the commutrd value of pansion by the aoocunts officer, whichever, is earlier.

accordingly, in such cases the reduction from pension will become from the date of receipt of the

revised Commutation value of pension by the pensioner or three months after asking the pensioner

earlier.

3. The above has the approval of the president.

( K. S. Sethi ) Deputy director, in .(Sstt.)

Railway Board

No,2000/H/PNM-ABRF New Delhi, dated 5.09.2000

Sub : Removal of age limit of 25 years in respect of medical facilities for dependent

children of serving Railway Employees and Pensioner.

Ministry of Railways have decided to elaborate/amend Para 601 (5) and 601(6) of IRMM,

2000 as under:-

(5) “Family members”, for purposes of these rides, will include-

(a) consorts

(i) wife of a Railway Erqployee, whether she is earning or not;

(ii) husband of a Railway employee^ whether he is earning or not;

Circulars


(b) sons-

(i) sons under 21 years of age provided they are wholly dependent on the Railway

employee;

(ii) sons over 21 years of age without an upper age limit, even if not a student or

invalid, provided he is wholly dependent on and resides with the Railway

employee;

(c) daughters-

(i) unmarried daughters, irrespective of whether they are earning or not and

irrespective of their age;

(ii) married daughters under 18 years of age and widowed daughters, irrespective of

their age, provided they are wholly dependent on the Railway employee;

(d) step-sons, unmarried step-daughters, married step-daughters and one adopted child,

subject to the age limit prescribed in (b) and (c) above, provided they are wholly

` dependent on the Railway employee.

Note :-

In a case where both husband and wife are Railway employees, the wife may be allowed to

avail herself of the medical attendance and treatment facilities either according to her own status or

according to the status of her husband whichever is more favourable , the children may also be

allowed these concessions according to the status of either of their parents and the preferential

claim of reimbursement of medical expenses.

(6). “Dependent relatives” , for these rules, will include all such persons as are eligible for

passes under the Pass rules and will thus include —

(a) mother/step-mother ; if a widow ;

(b) unmarried or widowed sisters or step-sisters if father is not alive;

(c) brothers/step-brothers under 21 years of age , if father is not alive;

provided that the above are wholly dependent on and reside with the Railway employee.

The words “wholly dependent” mean a person who does not have independent income

more than 15 % of the emoluments of the Railway servant concerned or Rs.1500/- plus

dearness relief thereoa, which ever is more.

Note :-

(i) The age limit prescribed in the case of brothers/ step-brothers will not apply to bonafide

students ,pf recognized educational institutions and to invalids on appropriate certification by


Railway Medical Officer.

(ii) Mother includes adoptive mother only in cases in which the mother has legality adopted the

Railway employee as a child and has, since adoption, always been recognised *as the mother* A

railway employee may not obtain free medical attention for his real mother as well as for au

adoptive mother.

No. F(E)II1/2002/PN1/17 New Delhi, dated 06.11.2008

The GMs/FA & CAOs,

All Indian Railways/ Production Units,

(As per Mailing List)

Sub : Payment of interest on delayed payment of gratuity - manner of calculation reg.

Instructions were issued vide Board’s letter No. F(E)lll/94/PN1/28 dated 01-11-1994 inter-

alia providing that where the payment of DCRG has been delayed beyond 3 months from the date

of retirement, interest at the rate applicable to SRPF deposits (then 12 per cent per annum,

compounded annually) will be paid to retired/ dependents of deceased Railway servant.

Subsequently, instructions were issued in supersession of earlier instructions dated 01-11-1994, vide

Board’s letter of even number dated 27-06-2002 wherein the provision for payment of interest

on delayed payment of DCRG was simply reiterated without mentioning therein the words “

compounded annually”.

2. In this regard, a point has been raised under RTI Act, 2005 as to whether the manner of

calculation of interest on delayed payment of gratuity has been changed from ‘compound’ to ‘simple

interest5 consequent upon issue of Board’s letter dated 27-06-2002. Since Board’s aforementioned

instructions were based on the corresponding instructions issued by the Department of Pension and

Pensioners’ Welfare, the matter has been examined in consultation with that Department and it is

clarified that there is no change in the manner of calculation of interest on delayed payment of gratuity

i.e. interest should be calculated at the rate applicable to SRPF deposits compounded

annually.

3. The Zonal Railways etc. are advised that past cases, where simple interest has been paid,

may be re-opened and the difference between simple interest and compound interest may be

paid.

No. E(W) 2008 PS 5-1/44 New Delhi, dated 15-01-2009

The General Managers (P)

All Indian Railways and

Production Units.


Sub : Inclusion of son above 21 years of age in Privilege Pass issued in favour of Railwayemployees.

As per extant provisions contained in Railway Servants (Pass) Rules, 1986 (Second Edition,

1993), a Privilege pass can be issued to a Railway Servant and his family with validity of 4 months.

These rules provide that a son of a Railway Servant can be included in the Privilege pass provided he

is below 21 years of age and is dependent on the Railway Servant except in certain conditions like

scholar son, invalid son etc. as laid down in the Rules in terms of which such a son above 21 years of

age can be included in the Privilege pass. In this regard, a point has been raised as to the procedure

to be followed for issuing Privilege pass where in the son of a Railway employee, who is about to

complete 21 years of age, is sought to be included,

2. After careful consideration, it has been decided that in cases of issuance of Privilege pass in

favour of a Railway Servant alongwith family including dependent son, who is neither a scholar nor

invalid and is about to complete 21 years of age during the validity period of the Privilege pass, the

pass may be issued in the following manner :-

(i) The Privilege pass may be issued in favour of a Railway Servant with validity period up to the

date preceding the date on which the son will be attaining the age of 21 years; or

(ii) Privilege pass may be issued with validity of full 4 months excluding the name of the son of

the employee.

3. This issues with the concurrence of the Finance Directorate of the Ministry of Railways.


Ramesh Hans Suresh Hans9811193666 9811195666

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Ph. : 0124 - 4102300


No.7/7/2008-P&PW(F) Dated 13th February, 2009

OFFICE MEMORANDUM

Subject : Implementation of goverment’s decision on the recommendation of the Sixth

CPC -Revision of Provisions regulating grauity -

The undersined is directed to say that in terms of Para 7.1 of this department’s

O.M No. 38/37/2008-P&QW(A) dated the 2nd september, 2008 issued in implementation of the

decision taken on the recommendation of the sixth central pay commission, the bebefit of adding

years of qualifying service for the purpose of computation of pension shall stand withdrawn with effect

from the date of issue of the O. M.

2. Sixth Central Pay Commission in Para 5.1.33 of its report made the following recommendation:

“Linkage of Full persion with 33 years of qualifying service should be dispensed with .Once an

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

averge emoluments received during the past employee. simultaneously, the extant benefit of adding

years of qualifying service for purposes of computing pension/related benfits should be withdrawn as

it would on longer be relevent.” this recommendation was accepted by goverment of india vide

resolution No. 38/37/2008-P&PW (A) dated 29th august,2008

3. It is clear from the Above recommendations/decisions, that the benefit of adding years of

qualifing service is withdraen for thr purpose of computing pension as well as other related benfits

such as gratuity.

4. This issuse with the concurrence of the ministry of finance, department of expenditure U> O>

No.44.2/40/2009-Ic dated 12.2.2009

5. Ministry of agriculture etc. are requsted to take into consideration the above posittion

while computing pension and gratuity of goverment service who have retired sincc 2.9.2008.

(MP SINGH)

Director (PP)

Tele :24624802

No.38/79/2008-P&PW(G) Dated, 16th February, 2009

OFFICE MEMORNDUM

Subject : Clarification regarding commutation of Pension after the implemenentation

of recommendations of 6th CPC


The undersigned is directed to say that in accordance with the instructions contaions

contained in this department’s OM no.38/372008-P&PW(A) dated 2nd september , 2008, in the case of

thse pensioners, in whose case commutation of pension become absolute on or after 1.1.2006 but

before the issue of that OM, the pre-revised table of commutationvalue for pension will be used for

payment of commutation of persion based on per-revised pay/pension . such pensioners shall have an

option to commute the amount of pension that has become additionally commutable on account of

retrospective revision of pay/pension on implementation of the recommendations of the sixth central

pay commission. on exercising such an option by the pensioner, the revised table of commutation value

for pension will be used for the commutation of the additional amount of persion that become

commutable on account of restropective revision of pay/pension.

2. A number of referenccs have received in this depertment seeking clarfications in regard to

various issues relating to commtation of persion in cose a pensioner opts for commutatin of pension that

has become additionally commutable on account of retrospective revision of pay/pension.

(Depertment of Expenditure) and the folling clarification are issued in this regard :

3. It is impressed upon all the ministeres/depertment of goverment of india to keep in view the

S.

No.Points raiscd

1.

Clarifications

What Would be the age used for Commuta-

tion of addittional commutable pension and

which factor would be used for such additional

commuted value of pension

The age rcckoncd for calculation of

commuted value of pension at the time of

origional application for commutation value

of additional commutable pension, However,

as mentioned in the O.M. dated 2.9.2008,

the commutation factor in the revised table

of commution value for pension will be the

commutatiuon of the additional amount of

pension that has become commutation on

account of retrospective revision.

Form which date the reduction in oension on

account of additional commutation of

pension will take effect?

Reduction in pension account ofaddtional

commutation of pension will be in two

stages as per the provisions contained in

rule6 of the CCS (Commutation of pesion)

rules, 1981.

What Will be the date of restoration of

additional commution of pension?

The commuted portion of pension shall be

after 15 year from the respective dates of

commutation as pravided in goverment of

india decsion no. 1 under rule 10 of CCS

(Commutation of pension ) rules, 1981.

Necessary Endorsment should be made in

the PPO

.

2.

3.


above clarification while disposing of the cases of commutation of additional pension. They are also

advised to dispose the representation received by them from pensioners on the above issues without

referring them to this depertment .

4. This issues with the concurrence of ministry of finance (Depertment of Expenditure) vide their

UO No.43/EV/2009 dated 13.2.2009

(M.P. Singh)

Director (PP)

Telefax No. 24624802

No. F(E)lll/2008/PN1/13 New Delhi, Dated 18.02.2009

The Gms & Fa&Caos,

Al Zonal Railway 7 production Units

(As Per Mailing List).

Subject : Implementation of Goverment’s dection On the Recommendations of the

Sixth CPC -Revision of Provisions Regulathing Gratuity.

A Copy Of Department OF Pension 7 Pensioners’Welfare (DOP&PW)’s O.M.No.7/7/2008-

P&PW(F) Dated 13th February, 2009 on the above subject is attached for information and

compliance. Thse instructions shall apply mutatis mutandis on the Railway also.DOP&PW’s

O.M. deted 2.9.2008 referred in the enclosed O.M. was adopted on railway vide this office

letter of even number dated 15.9.2008.

2. Please acknowledge receipt.

No.F(F)lll/2008/PNI/13 NEW DELHI dated 19.02.2009

The GMs FA&CAOs,

ALL Zonal Raliway & Production Units

(As per mailing list).

Subject : Clarifiction regarding commutation of pension after the implementation

of recommendations of 6th CPC.

A copy of department of persion & pensioners ‘ welfare (DOP&PW)’s O.M. No.38/79/

2008-P&PW(G)dated 16th februbary , 2009 on the above subject is attached for information and

compliance. These instructions shall apply mutatis mutandis on the railway also DOP &


No.1/16/08-P&PW(E) Dated the 9th March, 2009

OFFICE MEMORANDUM

Subject : Simplification of procedures outlined in rule 54 (6) of CCs (Pension) Rules,

1972 regarding family pension to handicapped/disabled Son/daughter of

government servants/pensioners-reg

The undersigned is directed to say that as per the existing provisions under

clauses (iii)&(vi) and the explanation(d) thereunder below the provisonto sub-rule6 of

rule 54 of CCS (pension) rules 1972, if the son/daughter of a government servant is

suffering from any disorder or disability of mind (including mentally retarded ) or is

physiclly crippled or disabled so as to render him or her unble to earn a living to such

son or daughter for life subject to certain stipulations Further, the family pension shall be

paid to such soh or daughter through the guardian as if he or she were a minor except in

the case of a mentally retarded son or daughter, the family pension shall be payable to a

person nominated by the government or the pensioner, as the case may be it has been

furher provided that it shall be the duty of the guardian or son or daughter to furrish a

certificate to the treasury/bank, as case may be evvery month to the effect that -(i)

he/she has not started earing his/her liveihood: and (ii) in case of daughter, that she

has not yet married.

2. Representations have been received in this Department requesting for

simplification of procedures concerning family pension to handicapped/disabled

son /daughter of government servants/pensioners, perticularly with regard to

sumission of a certificate to the treasury/bank, as case may be , everymonth by

the guradian or son or daughter, to the effect (i)that he/she has not started earning

his/her liveihood, and(ii) in case of yet married. these procedures are stated to be

cumbersome and undersome thereby causing hardship to the concerned.

3. The matter has been wxamind in this department in consultion eith the Ministey of finance

(Department of Expenditure.) .Taking onte of concerns, and the diffculties being faced by

PW’s O.M. dated 2.9.2008 referred in the enclosed O.M. was adopted on the Railway vide this office

letter of even number dated 15.9.2008.rule 6 of CCS (commutation of persion ) Rules , 1993.

Goverment of india ‘s decision No. 1quoted in the clerification No. 3 of the enclosed O.M. was

adopted on the railway vide this office letter No. F (E)lll76PN-1/7 dated 15.9.1980, a copy of which

is enclosed for ready reference

2. Please acknowledge receipt

Encl.: 0ne (SUNIL BHARDWAJ)


No.2003/H/28/1/RELHS New Delhi, dated : 16-03-2009

The General Managers,

All Indian Railways

(including Production Units)

Director General, R.D.S.O.

Sub : Re-opening of Retired Employees Liberalised Health Scheme (RELHS-97).

Ref : Board’s letter No. 2003/H/28/l/RELHS dated 28.1.05, 21.10.2005, 30.12.2005,10.5.2006 and 10.01.2007.

Arising out of demands raised by old retirees arid Pensioners Association the subject of

extension / re-opening of the Retired Employees Liberalised Health Scheme (RELHS-97), for those

retired employees who have not yet joined the RELHS -97 scheme, has been under consideration of

the Board for some time. After careful examiaation of the matter it has been decided that all retired

Railway employees having qualifying service period and who have not yet joined the RELHS -97

scheme, will be given another last and final chance to join RELHS-97.

2. The period during which the scheme shall be opened is from the date of issue of this letter

and upto 31.03.2010 (Thirty first March two thousand and ten only),

3. The re-opening of RELHS-97 scheme has been approved by Railway Board with the same

conditions as stipulated in Board’s letter of even number dated 10.1.2007 viz. there will be a “lock-in

period” of six months from the date on which a retired employee joins the scheme i.e. the date of

depositing the fees* During this period, the retired employee will be entitled for medical treatment as

available in Railway hospitals and other Govt hospitals including Govt owned autonomous hospitals

and Govt Medical College Hospitals only. They shall not be referred to private hospitals, which are

thced affected by the existing cumbersome procedures in this regard , it has been decided

that in all such cases the guardian or son or daughter, shall furnish a certifiacte to the

treasury/bank as case may be, every year instead of month , as in the exisiting provisions,

subject to the condition that in case of any eventuality taking place at any point of tome

during the year , the same ahall be reported by the guardian or son or dughter, to the bank/

treasury at the earlist possible.

4. This issues with concurrence of the ministry of finance, Department of Expendituire vide their

U.O.No.563/E.V/2008 dated 22.10.2008.

5. These ordrs, in so far their applicability relates to the employees of the indian audit and

accounts department, are being issued in consultation eith the comptroller and auditor

general of india, vide their U.O. No.-Audit (rules)/26-2008 dated 6.3.2009

(M.P.SINGH)

DIRECTOR


recognized for Railway employes and other RELHS card holders. In any circumstances and in

any...medical condition, during the *lock-in period* re-imbursement of medical claims for treatment

taken in private hospital including the private recognized hospitals will not be permitted.

3.1 All other terms and conditions of the RELHS-97 mentioned in Board’s letters under

reference will remain “unaltered, RELHS (Medical identity) card will be issued by the Personnel Branch

of concerned Railways, The RELHS Card issued to beneficiaries with lock-in period should clearly

indicate the designation, amount and date of deposit, name and designation of issuing

authority/signatory along with date.

3.2 Lock in period to be clearly and prominently mentioned on the card.

3.3 The retired / medically invalidated employees who are willing to join this scheme must give

a clear declaration along with application thai he/she is joining the scheme with full knowledge about

the “lock-in” period, He/She should also give clear declaration that during the “lock-in” period, he/she

will not submit any reimbursement claim for treatment taken in private or private Railway recognized

hospitals and would not challenge the orders of Railway Board to thjs effect in any court of law.

4. The instructions regarding Lock-in-Period are also applicable to those retired / medically in-

validated employees and spouses of Railway employees who died in harness / after superannuation

and have not joined the RELHS-97 scheme earlier because they are permitted to join the scheme

within 3 months from the date of invalidation / death of the employee.

5. It has further been decided by the Board that joining of RELHS-97 may be made mandatory for

all retiring Railway employees* In case, the retiring officer/staff is unwilling to join the Scheme,

he/she should clearly submit his/her willingness in writing in the declaration proforma along with rea-

sons thereof, (Revised Anncxure of Booklet contains of Pension Forces). As such, option/

declaration proforma certificate may be modified suitably. The retiring Railway employees may also be

explained that the certifieatiofc of his/her willingness to join RELHS shall be treated as final and no

further chance will be given to join the scheme thereafter.

6. In the wake of the recommendations by VIth Central Pay Commission, it has been

decided by Board that following should be the rate of contribution for joining RELHS-97:

(i) The employees who bave already

retired on the date of RE-OPENING

OF THE RELHS and have not joined at

the time of retirement

(ii) Family pensioners

(iii) SRPF optees

A sum equivalent to double the amount of revised

basic pension after the implementation of

Vlth CPC.

A sum equivalent to double the amount of revised

family pension after the implementation of the

Vlth CPC.

A sum twice the amount of ex-gratia monthly

payment admissible on the dateof joining the

scheme.


F.No,l/28/04-P&PW(E) Dated: 31st March, 09

Subject : Grant of family pension to the families of Government servants kidnappedby Insurgents / Terrorists.

OFFICE MEMORANDUM

The undersigned is to invite a reference to this Department’s eariier OM No. 1/17/86 -P&PW

dated 29th August, 1986 and the subsequent clarifications-Issued vide OM No. l(17)/86 - P&PW(E)

dated 18th February, 1993 and OM No. 1/17/86 -P&PW(C) dated 25th January, 1991, detailing

instructions regarding grant of family pension to the eligible family mfembers of the Government

servants who have suddenly disappeared and whose whereabouts are not known, within a period of

one year from the date of registration of an FIR with the police.

2. The Staff side on the National Council (JCM) h,ave been raising for quite some time the issue

concerning withdrawal of the mandatory condition of one year reckoned from family the date of filing

of FIR with the police, prescribed in regard to sanction of family pension to the eligible family

members of the Government employees who are kidnapped by insurgents/terrorists. The demand of

the staff side is based on the premise that this kind of stipulation in the rules has been causing a

great deal of hardship to the families of suck kidnapped employees. .

3. The matter has been considered In this Department in consultation with the Ministry of

Finance (Deptt Of Expenditure)/Ministry of Law. ft has now been decided that the family pension to

the eligible family members of the Government employees kidnapped by insurgents/terrorists, may

be sanctioned after a period of six months from the date: of registration of FIR with the police. The/

instructions concerning grant/ disbursal of retirement or death gratuity, as contained in this Department’s

OM referred to above, would remain the same.

(M.P. Singh)Dlrector(PP

A wide publicity should be given.

This issues with the concurrence of the Finance and Pay Commission Directorates of the

Ministry of Railways.

2008/H-l/12/l(PoIicy) Dated 6.04.2009

General Managers,

All Indian Railways.

Sub : Extension to the arrangement relating to provision of reimbursement ofexpenditure incurred on the Dental treatment of Railway beneficiaries.


No.2003/H/28/l/RELHS New Delhi, dated : 8-042009


All Indian Railways (including Production Units)

Director General, R.D.S.O.

CORRIGENDUM

Sub : Re-opening of Retired Employees Liberalised Health Scheme (RELHS-97).

Ref :- Board’s letter No.2003/H/28/l/RELHS dated 163.2009.

Replace the existing para 5 of Board’s letter No. 2003/H/28/1/RELHS dtd. 16.3.2009 with

the following:

5. It has further been decided by the Board that joining of RELHS-97 may be made mandatory

for all retiring Railway 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 proforma along with

reasons thereof, (Revised Annexure of Booklet containing Pension Forms). As such, option/

declaration proforma may be modified suitably. The retiring Railway employees may also be

explained that the certification of his/her unwillingness to join RELHS shall be treated as final and no

further chance will be given to join the scheme thereafter.

All other terms and conditions remain unaltered.

This issues with the concurrence of the Finance and Pay Commission Directorates of the

Ministry of Railways.

Ref : Board’s letter of even no. dated 14.07.2008.

Sanction of the Ministry of Railways was accorded for the arrangement relating to provision of

reimbursement of expenditure incurred on the Dental treatment by Railway beneficiaries for a period

upto 30,09.2004 vide this office letter of even no. dated 02.09.2002. This arrangement has since been

extended from time to time , on the same terms and conditions, last being for a period of

three months from 13.06.2008 vide Board’s letter of even no. dated 14.07.2008.

Ministry^ of Railways have now decided to extend the aforesaid arrangement, further for a

period of two years from 13.09.2008, on the same terms and conditions.

However, this facility would stand withdrawn automatically in case any Railway

hospital/health unit is provided with part time/ full time dental surgeon and infrastructure facilities

in terms of Board (MS)’s d.o. letter of even number dated 25.10.2002 to all General Managers

and no reimbursement wrould be permissible in such cases thereafter.

This issues with the concurrence of the Finance Deptt. of the Ministry of Railways.


No. F(E)lll/2005/PN1/32 New Delhi, dated 29.04.2009.

The GMs/FA&CAOs,

All indian railway /produuction units.

(As per mailling list)

Subject: Simplication of procedures outline in sub rule 4 of rule 75 (6) of railway

services (Pension) rules, 1993 regarding family Pension to Handicapped/

disabled son/daughter of Railway Servants/pensioners-reg.

A Copy of Depaartment of Pension and Pensioners Welfare (DOP&PW)’s O M No 1/16/

08-P&PW(E)dated 9th march 2009 on the above mentioned subject , is enclosed for informetion and

compliance. these instruction shall apply mutatismutandis on the railway also.

2. Clause (iii) & (vi)and the explanation (d) theseunder below the proviso to sub rule 6 of rule 54

of the CCs (pension) rules, 1972 correspond to clause (a) & (d)and explannation (4) of the proviso to

sub-rule 6 of rule 75 of railway services (Pension) rules, 1993


No. F(E)lll/2009/PN1/7 New Delhi, Dated: 30.04.2009.

The GMs/FA&CAOs,

All Indian Railways/Production Units.

(As per mailing list)

Subject : Grant of family pension to the families of Government servants, kidnapped by

insurgents/ terrorist.

A copy of Department of Pension and Pensioners’ Welfare (DOP&PW)’s O.M. No.

1/28/04-P&PW(E) dated 31m March,2009 on the above subject is enclosed for information and

compliance. These instructions shall apply mutatis .mutandis on the Railways also.

2. A concordance of DOP&PW’s instructions referred to in the’enclosed O.M. and Railway

Board’s corresponding instructions is given below.

S.No.

1

DOP & PW’s Instructions

O.M.N0.1/17/86-P&PW

dated 29th August, 1986

Railway Board’s corresponding instructions

F{E)ll(/86/PN 1/17 dated 19.9.1986


S.No.

2

3

DOP & PW’s Instructions

O.M. No.1/17/86-P&PW(C)

dated 25th January, 1991

O.M.No.1(17)/86-P&PW(E)

dated 18th February ,1993

Railway Board’s corresponding instructions

F(E)IH/86/PN 1/17 dated 27.3.1991

F(E)lll/86/PN 1/17 dated 21.1.1994


No. E(W) 93 PS 5-1/1 New Delhi, dated 04-05-2009

The General Managers (Commercial & Personnel),

All Indian Railways/Production Units and

Director General/RDSO.

Sub : Entitlement for travel by Rajdhani Express Trains on Privilege/Post RetirementComplimentary Passes -Modification thereof.

Ref : Board’s letters of even number dated 16-02-04 & 05-09-07.

In partial modification of the instructions contained in Board’s letter of even number dated05-09-07, it has been decided to modify the rail travel facilities for travel on Rajdhani/Shatabdi

Express Trains & other Mail Express Trains on Privilege and Post Retirement Complimentary Passes

in respect of General Managers & Officers of equivalent rank as under :-

* Entitled only on Privilege Pass as no Post Retirement Complimentary Pass is admissible.

S.No.

1

Status

Serving and retired

General Managers,

Addl. Members,

DG/RHS and DG/RPF*

of the grade Rs. 24050/-

and above

Rajdhani Express

Two berths in I-AC (on payment

of l/3rd difference of fare between

I-AC & II-AC of Rajdhani)

Or

One berth in 1-AC for self. For travel

of spouse, one extra berth on

payment of l/3rd difference of fare

between I-AC & 2-AC of

Rajdhani Express.

Or

2 berths in 2-AC

Or

4 berths in 3-AC

Shatabdi Express

Two seats in

Executive Class

Or

Two seats in Chair Car


File No.PC-V/2009/RTM

Sub :- Information sought under RTI Act by Shri S.C.Maheshwari reg. FMARef :- APIO No. RTI Cell/2009/01003332, dated 12.05.2009.

Information asked for by Shri S.C.Maheshwari is given below:-

2. The Above travel facitiy in lst AC will also be applicable in maill/Express trains.

3. The issue with the concurrence of the finance directorate of the Ministry of Railway.

Name of the Officer : NJP.SinghDesignation :Dy.Director,

Pay Commission - V Railway Board

Information sought by the party

Kindly clarify if the instruction contained in

Rly Bd. letter No. PC-V/98/I/7/1/1 Dated

7.02.2008 override the instructions

contained in Para 9 of Rly Board No. PC

V/l 67 Dated 21.04.99 i.e. Those opting

for the facility of Medical allowance shall,

therefore, not be entitled to receive

treatment as outdoor patients.

Ministry’s Response

No such representation has been received in

the concerned section viz PC-V of Board’s

office. However, as regards the clarification

sought vide representation dated 25.02.2009,

it is stated that Board’s letter dated

07.02.2008 is clarificatory in nature and this

fact has been specifically mentioned under

the -Head “subject”. As such Board’s letter

dated 07.02.2008 has no overriding effect on

earlier instructions dated 21.04.99

ItemNo.

1

No. E(W) 2009 PS 5-1/5 New Delhi, dated, 18-05-2009

The General Manager (P)

All Indian Railways & Production Units

Sub : Requirement of certificate for inclusion of the name of dependent invalidson / brother for the purpose of Privilege Pass / PTO.

Vide Notification No. F(E)III/2008/PN1/10 dated 22nd October, 2008, the provisions contained

in the Railway Services (Pension) Rules, 1993 for entitlement of family pension to handicapped/

mentally retarded son/daughter which, inter-alia, require production of a Medical Certificate, have

been amended, prescribing production of a Certificate from a Medical Board only once in the case of

permanent disability, and once in five years in the case of temporary disability.


2. The Board have decided to prescribe the same conditions as contained in the Railway

Services (Pension) Rules, 1993 with regard to producing a medical certificate for the purpose

of Privilege Passes/PTOs to an invalid son/brother as contained in Railway Servants (Pass) Rules,

1986 (Second Edition, 1993). Accordingly Item No. 1 under General Rules relating to Privilege

Passes/PTOs of Scheduie-II (Pass on Privilege Account) of Railway Servants (Pass) Rules, 1986

(Second Edition, 1993) may be amended as in the Advance Correction Slip No. 61 enclosed.

3. This issues with the concurrence of the Finance Directorate of the Ministry of Railways.


Dated the 18th May, 2009.

OFFICE MEMORANDUM

Sub: Implementation of Government’s decision on the recommendations of the SixthCentral Pay Commission Revision of pension of pensioners/family pensioners etc.

The undersigned is directed to say that in pursuance of Government’s decision on the recom-

mendations of Sixth Central Pay Commission, orders for revision of pension/ family pension of all the

pre-2006 pensioners/ family pensioners were issued vide this Department’s O.M. No. 38/37/08-P&PW(A)

dated 1,9.2008. Similarly, orders were issued vide this Department’s O.M. No. 33/37/08-P&PW(A)

dated 2.9.2008 for introducing modifications in the rules regulating pension,

Retirement/Death/Service Gratuity/Family Pension/ disability pension and ex-gratia lump-sum

compensation

2. References have been received in this Department seeking clarifications on some provisions of

the aforesaid O.Ms. The matter has been considered in consultation with the Ministry of Finance,

Department of Expenditure and the following clarifications are issued in this regard:

i) Point raised OM dated 1.9.2008

Whether the family pension in respect of existing pensioners in whose case the family

pension has not come into operation as on 1.1.2006 will also be revised?

Clarification

In respect of existing pensioners in whose case the family pension has not come into

operation as on 1.1.2006 as pensioners are/were alive on that date, the family pension (including

enhanced family pension wherever applicable) will also be updated in terms of the instructions

contained in this Department’s OM of even number dt 1.9.08, as clarified from time to time. The

updated rates of family pension will apply as and when family pension becomes payable in such

cases. Accordingly, where a pensioner has died on or after 1.1.2006, the updated pension (including

enhanced family pension wherever applicable} shall become payable to the family pensioner from the

date qf_death of the pensioner.


OM dated 2.9.2008

Whether the arrears of pension of thoseGovernment servants who have retired during the

period 1.1.06 to 31.8.08 shall also be paid during the years 2008-09 and 2009-10 in the ratio of 40 ;

60? Yes

3. It is impressed upon all the Ministries/Departments of the Government of India to keep in view

the above clarifications while disposing of the cases of revision of pension/family pension. They are

also advised to dispose the representations received by them from pensioners on the above issues

without referring them to this Department.

4. This issues with the concurrence of Ministry of Finance (Department of Expenditure) vide

their I.e. U.O. No. 191/EV/2009 dated 14.5.2009.

(M.P. Singh)Director (PP)

Telefax No.24624802

No.38/37/08-P&PW(A) Dated the 21st May, 2009.OFFICE MEMORANDUM

Sub: Implementation of Government’s decision on the recommendations of the SixthCentral Pay Commission - Revision of pension of pre-2006 pensioners/familypensioners etc

The undersigned is directed say that in this Department’s OM of even number dated 14.10.2008,all the pension disbursing public sector banks were requested to revise and disburse the enhancedpension (with dearness relief) and arrears within one month from the date of issue of that O.M. It wasmentioned that a suitable entry regarding the revised pension would be recorded by the pension Dis-bursing Authorities in both halves of the Pension Payment Order and an intimation regardingdisbursement of revised pension would be sent by the pension disbursing authorities to the Office ofCPAO and Accounts Officer which had issued the PPO in the revised form given at Annexure-lll of thesaid OM so that they could verify the pension so revised and update the Pension Payment OrderRegister, etc. In Annexure-lll, it was mentioned that the verification/final revision of pension/familypension in respect of pensioners would be done by the Pay and Accounts Officer concerned.

2. Accordingly, in cases where the information in Annexure-JII has been received by the Pay andAccounts Officer from the Pension Disbursing Banks etc., he should verify the same and issue arevised authority for payment of pension. !n case there is any discrepancy in the revision of pension bythe Bank, the bank should be informed by the Pay and Accounts Officer immediately for makingnecessary adjustment. In cases where the information in Annexure-lll has not been received by the Payand Accounts Officer from the Bank, the Pay and Accounts Officer should issue revised authority forpayment of pension based on the PPO/available records and send it to Bank for making thepayment of revised pension accordingly.

3. In the aforesaid OM dated 14.10.2008, it was provided that in case any information regardingdate of birth, scale of pay or the qualifying service, etc. was not available with the bank, the bank may


obtain the requisite information from the concerned Pay and Accounts Officer/CPAO. It would be the

responsibility of the concerned Pay and Accounts Officer/CPAO to provide the information from the

available records within two weeks of the receipt of request from the bank.

4. The matter regarding the methodology to be adopted for payment of additional pension to old

pensioners/family pensioners in cases where the date of birth is not available in the PPO as well as in

the office records of CPAO/Pay and Accounts Office had been under consideration in

consultation with the Controller General of Accounts and the Ministry of Finance. It has now been

decided that in case the exact date of birth is not available either in the PPO or in the office records but

an indication regarding the age of pensioner/family pensioner is available in the office record, the addi-

tional pension/family pension shall be paid from the 1st January of the year following the year in

which the pensioner/family pensioner has completed the age of 80 years, 85 years, etc. based on PPO/

office records. For example, if the records show that the pensioner/family pensioner has

already completed the age of 80 years/85 years as on 1st January, 2008, he shall be allowed

additional pension/family pension from 1st January, 2008

5. In case neither the exact date of birth nor the age is available either in the CPAO or in the office

records, the Pension Disbursing Authority/Bank will send an intimation to the pensioner/family pen-

sioner about the non-availability of the information regarding date of birth/age and request him to submit

four copies of any of the following documents, duly attested by a Gazetted officer/MLA to the

Pension Disbursing Authority:

(i) Pan Card

(ii) Matriculation certificate (containing the information regarding date of birth)

(iii) Passport

(iv) CGHS Card

(v) Driving licence (if it contains date of birth)

If the pensioner/family pensioner submits a document which contains the information

regarding exact date of birth, the additional pension/ family pension will be payable from the 1st day of

the month in which his date of birth falls, in the manner indicated in this Department’s O.M. of even

number dated 3.10.2008. In case the exact date of birth is not available on the document submitted by

the pensioner/family pensioner but an indication regarding the age of pensioner/family pensioner is

available therein, the additional pension/family pension shall be paid from the 1st

January of the year following the year in which the pensioner/family pensioner has completed the age of

80 years, 85 years, etc. based on the document submitted by the pensioner/family

pensioner. For example, if the copy of the Election ID Card submitted by the pensioner/family

pensioner indicates that his/her age on 1st January, 2007 is 80 years, he/she shall be allowed

additional pension/family pension from 1st January, 2007.

6. The Pension Disbursing Authority/Bank will make payment of additional

pension/family pension in the above manner, on provisional basis, up to a period of three

months from the month in which the proof of age/date of birth is submitted by the

pensioner/family pensioner. In such cases, the Pension Disbursing Authority/Bank will

immediately send one copy each of the document submitted by the pensioner/family

pensioner to the Pay and Account Officer/CPAO for formal authorisation of the additional


No. 41/22/20Q8-P&PW (G)Government of India

Ministry of Personnel, Public Grievances & Pensions

(Department of Pension & Pensioners’ Welfare)

New Delhi, dated the 29th May, 2009

RESOLUTION No. 41/22/2Q08-PSPW (G) -

Consequent on the expiry of the term of the office prescribed for the Non-Official members

of the Standing Committee of Voluntary Agencies (SCOVA) for the Department of Pension &

Pensioners’ Welfare constituted under Resolution No. 41/3/2005 P&PW (G) dated 18,10.2005, the

President is pleased to reconstitute the SCOVA with the following composition:-

Standing Group (5 Associations)

i) Secretary, National Council (Staff Side) KM, 13-C, Ferozshah Road, New Delhi - 110001.

(ii) President, All India Retired Railwayman’s Federation, Block 303, Railway Colony High

School, Chilkallguda, Secunderabad - 500025.

(iii) President, Indian Ex-Services League, 9, Nyaya Marg, Chanakyapuri, New Delhi - 110 021.

(iv) President, Ali India Federation of Pensioners Association, G-2, Soundarya, New No. 51,

Old No. 22, Kavarai Street, Saidapet West, Chennai - 600015.

(v) Secretary General, Bharat Pensioners’ Samaj, Post Box No. 3303, Jangpura

P.O. New Delhi - 110 014.

pension/family pension. The Pension Disbursing Authority/Bank will make payment of

additional pension/family pension beyond a period of three months only on receipt of such

an authorisation from the Pay and Account Officer.

7. In case the pensioner/family pensioner is unable to submit any of the documents mentioned in

para 5 above but claims additional pension based on some other documentary evidence, such cases

will be submitted to the administrative Ministry, If the administrative Ministry is satisfied about the claim

of the pensioner/family pensioner, it will authorise additional pension/family pension

accordingly. The decision of the Administrative Ministry in this regard will be final.

8. It is impressed upon all the Ministries/Departments of the Government of India and the

pension disbursing authorities to keep in view the above decisions while disposing of the cases of

payment of additional pension/family pension. CGA/CPAO are requested to advise all

Pension disbursing/sanctioning authorities to take suitable action in accordance with the above

instructions/guidelines. Similarly instructions may be issued by Ministry of Defence and Ministry of

Railways to their concerned Accounts Department accordingly.


their I.C. U.O. No. 185/EV/2009 dated 4.5.2009


Group ( 10 Associations)

(i) Vice President and Honorary Secretary, Air Force Association, Air Force Station,

Race Course Camp, New Delhi - 110 003.

(ii) President, Disabled War Veterans India (FF2), Stutee Building, Bank Street,

Karol Bagh, New Delhi- HO 005.

(iii) Secretary, P&T and Other Central Government Pensioners’ Association, B/2 Gayatri Hats,

P.T. College Road, Paldl, Ahmedabad - 380 007.

(iv) President/General Secretary, P&T Pensioners’ Welfare Association,

1310/2, Sector 30-B, Chandigarh (Punjab).

(v) President, Retired Railway Employees Welfare Association, 490A/16,

Gurudwara Road, Gurgaon - 122 001, Haryana.

(vi) President, Karnataka Central Government Pensioners’ Association, No. 15/18,

Purshotham Road, Ulsoor, Bangalore - 560 008.

(vii) President, National Federation of Railway Pensioners, 27/14, Moti Lal Street,

Chennai - 600 017.

(viii) President, All India P&T and Other Associations, Khan Mirza, Patna - 800 006.

(ix) General Secretary, Federation of Central Government Pensioners’ Organization,

107-B, Kaisar Street, Kolkata ~ 700 009.

(x) All India Federation of Pensioners’ Association, Kanpur.

2. The Secretary in the Department of Pension & Pensioners’ Welfare will function as the

Convener and Member Secretary of the Committee.The term of above constituted SCOVA will be

upto December, 2010.

3. The term of above constituted SCOVA will be upto December, 2010.

4. The Standing Group would serve for three terms of two years each. The Rotating Group

would serve for one term of two years and would be eligible for re-selection for one more term.

5. The SCOVA will hold its meting as often as may be necessary,

6. The SCOVA will function to promote the following objectives :-

(i) To provide a feed back to program implementation of the Department

(ii) To discuss and critically examine the policy initiatives; and

(iii) To mobilize voluntary efforts to supplement the Government action.

7. Traveling Allowance and Daily Allowance to Non official members for attending the meeting of


the SCOVA shall be regulated in accordance with the provisions of SR 190 and orders of Government

of India thee under as issued from time to time.

8. The expenditure involved will be met from within the sanctioned budget grant of Department of

Pension & Pensioners’ Welfare.

Order

Order also that a copy of the Resolution be communicated to all State Governments/Administration

of Union Territories, Ministries/Departments of the Government of India and all other concerned.

(M.P. Singh)Director

No. F(E)lll/2003/PN1/Ex-Gratia/9 New Delhi, Dated: 03 .07.2009.

The GMs/FA&CAOs,

All Indian Railways/Production Units.

(As per mailing list)

Subject : Grant of ex-gratia payment to unmarried daughters of SRPF(C)

beneficiaries who had retired from service/died in service prior to

01.01 1986.

Consequent upon circulation of Department of Pension & Pensioners’ Welfare (DOP&PW)’s

O.M. No.1/19/03-P&PW(E) dated 6th September, 2007 or on Railways vide this office letter No. F(E)lll/

2007/PN1/5 dated 18.9.2007 extending he scope of family pension to unmarried daughters of Railway

servants/pensioner even after attaining the age of 25 years at par with the widowed/divorced daughter,

references have been received seeking clarification as to whether the benefit of the said instructions is

also admissible to the unmarried daughters of SRPF( Contributory) retirees for the purpose of grant of

ex-gratia payment

2. The matter has been examined in consultation with DOP&PW and it is clarified that the

provisions contained in this office letter dated 18.9.2007 referred to above are NOT applicable to the

unmarried daughters of SRPF(C) beneficiaries, who had retired from service/died in service prior to

1.1.86, for the purpose of grant of ex gratia beyond the age of 25 years.

3. Please acknowledge receipt

(SUNIL BHARDWAJ)

Deputy Director Finance(Estt.)

Railway Board.


No.38/37/08-P&PW(A) Dated the 11th August, 2009.

OFFICE MEMORANDUM

Sub: Implementation of Government’s decision on the recommendations of the SixthCentral Pay Commission - Revision of pension of pre-2006 pensioners/familypensioners etc

The undersigned is directed say that in this Department’s OM of even number dated 21.5.2009,

it was provided that the following documents would be accepted as proof of date of birth/age for

payment of additional pension/family pension on completion of 80 years and above:

(i) Pan Card

(ii) Matriculation certificate (containing the information regarding date of birth)

(iii) Passport

(iv) CGHS Card

(v) Driving licence (if it contains date of birth)

2. The matter has been examined further. Considering the difficulty in producing any of the

above mentioned documents as proof of age by the old pensioners, particularly those in the rural

areas, it has been decided that the Voters’ ID Card may also be accepted as proof of date of birth/age

for payment of additional pension/family pension on completion of 80 years and above subject to the

following conditions:

(I) The pensioner/family pensioner certifies that he is not a matriculate.

(The matriculation certificate should be insisted in the case of matriculate pensioners/

family pensioners)

(H) The pensioner certifies that he does not have any of the documents mentioned in para 1

above.

3. The other conditions for acceptance of the documents, as mentioned in the OM dated

21.5.2009, will remain the same.

4. Some doubts have been expressed regarding the date from which the additional pension is to

be made effective, In this connection, attention is invited to the clarifications issued vide this Department’s

O.M. of even number dated 3.10.2008. It is re-iterated that the additional quantum of pension/family

pension, would be admissible from the 1st day of the month in which the date of birth falls, only on

completion of the age of 80 years, 85 years, etc. (and not in the beginning of the 80th year, 85th year,

etc.). All references/representations received in this respect stand disposed off

accordingly.

Illustration:

If a pensioner/family pensioner’s date of birth is 26.1.1930, then he/she will be entitled

to the additional quantum of pension on completion of 80 years of age w.e,f. 1.1.2010.


No.38/37/08-P&PW(A} pt.l Dated the 20th August, 2009.

OFFICE MEMORANDUM

Sub: Implementation of Government’s decision on the recommendations of the SixthCentral Pay Commission Revision of pension of pre-2006 pensioners/familypensioners etc.

The undersigned is directed to say that in pursuance of Government’s decision on therecommendations of Sixth Central Pay Commission, sanction of the President was accorded to theregulation, with effect from 1.1.2006, of pension/ family pension of all the pre-2006 pensioners/ familypensioners in the manner indicated in this Department’s O.M. No. 38/37/08-P&PW(A) dated 1.9.2008.Clarifications on certain provisions were also issued vide O.M.No. 38/37/08-P&PW(A) pt.l dated3.10.2008 and 14.10.2008.

2. A concordance tabie of the pre-1996, pre-2006 and post-2006 pay scales/pay bands wasenclosed as Annexure-l of the OM dated 14.10.2008 to facilitate payment of revised pension/familypension in terms of para 4.2 of the OM dated 1.9.2008 {as clarified vide OM dated 3.10,2008} in allcases where fixation of pension under that- provision is more beneficial. Ministry of Finance(Department of Expenditure}, vide Notification No 01/01/2008-IC (GSR 527 E) dated 16.7.2009 hasnotified revised pay scale for pre-revised S-30 scale of pay. Consequently, the entries at SI. No. 32 inthe Table at Annexure-l of this Department’s O.M of even number dated 14.10.2008 shall besubstituted by the following:

5. It is impressed upon all the Ministries/Departments of the Government of India and the pen-

sion disbursing authorities to keep in view the above instructions while disposing of the cases of

payment of additional pension/family pension. CGA/CPAO are requested to advise all Pension

disbursing/sanctioning authorities to take suitable action in accordance with the above instructions/

guidelines and to make suitable entry regarding date of birth in the PRO , Similarly instructions may

be issued by Ministry of Defence and Ministry of Railways to their concerned Accounts Department

accordingly.


their I.C. U.O. No. 261/EV/2009 dated 9.7.2009

(M,P. Singh)Director (PP)

Telefax No.24624802

Post/Grade and

Pay Scale w.e.f.

1 1.1996

Grade Scale

Family

Pension”

= 30% of

sum of min.

of PB+GP/

Pension *3

50% of sum

of min. of

PB*GP’

scales

Sl.

No.

Pay

scale

w.e.f.

1.1.86

Name of

Pay

Band /

scale

Corre-sponding6th CPC

PayBands/scales

Corre-

sponding

Grade

Pay

1 2 3 4 5 6 7 8 9

22400-525-

2450032

7300-100-

7600S-30 HAG 67000-

79000Nil 33500 20100


F.No.38/37/08-P&PW(A) New Delhi dated the 25th August, 2009

OFFICE MEMORANDUM

Sub: Payment of second instalment of arrears of pension on account of implementation of

Government’s decision on the recommendations of the Sixth Central Pay

Commission.

The orders for revision for pension on implementation of the recommendations of the Sixth

Central Pay Commission were issued vide this Department’s OMs of even number dated 1.9.2008 and

2.9,2008, as clarified from time to time, It was provided in these orders that 40% of arrears of pension

will be paid in the year 2008-09 and the remaining 60% in the year 2009-10, Accordingly the first

instalment of 40% of arrears of pension has been paid in the year 2008-09. It has been decided

that the remaining 60% of arrears of pension may now be paid to the pensioners.

2. All the Pension Disbursing Authorities/Public Sector Banks are requested to disburse the

remaining 60% of arrears of pensfon to the pensioners latest bv 30.9.09.

3. This issue with the approval of Ministry of Finance vide their OM No,1/1/20Q8-IC dated

25.08.2009.

(Rajni Razdah)

Secretary to the Government of India


their U.O. No. 284/EV/2009 dated 103.2009.

4. In their application to the employees of the Indian Audit and Accounts Departments, these

orders issue in consultation with the Comptroller & Auditor General

(M,P. Singh)Director (PP)

Telefax No.24624802

9/4/2009 MOST IMMEDIATE/

IMPLEMENTATION OF CAT ORDER

OM No. 38/48/09-P&PW(A) Dated 27th August, 2009

OFFICE MEMORANDUM

Subject : OA No. 504 of 2009 filed in the Central Administrative Tribunal, Ernakulam

Bench - Grant of additional pension on attaining the age of 80 years regarding


The following Applicants filed OA No. 504 of 2009 in the Central Administrative Tribunal,

Ernakulam Bench seeking direction of the hon’ble CAT that the pensioners/family pensioners may be

given the additional quantum of pension/family pension, in terms of Department of Pension & PW

Resolution No. 38/37/08-P&PW(A) dated 29.8.2008, O.M. No. 38/37/Q8~P&PW(A) dated 1.9.2008

and O.M. No, 38/37/08-P&PW(A) (pt. I) dated 3.10.2008, just after their completion of the age of

79 years:

i. Southern Railway Pensioners Association, Gopalan Vaidyar’s Compound, Tileri Road,

Bolar, Mangalore.

ii. Shri K. Gopal Shenoy, Retired Wireless Inspector (Railways), Old Canara Bank Building,

Padavinagadi, Konchady Post, Mangalore

iii. Kamalaksha, Retired Railway Trollyman, Nadukar House, Kalnad Village, Kasaragod

District - 671217

2. The Central Administrative Tribunal, Ernakulam Bench, in its Order dated 28.7.2009 disposed

of the above OA with the following advice to the Secretary, Department of Pension & Pensioners

Welfare:

“To consider the representations at Annexures A-4 to A-6 along with the grounds raised in the OA and

pass a suitable order within a period of two months from the date of communication of this order,”

3. In compliance of the above advice of the Hon’ble CAT, the representations at Annexure A-4 to

A-6 and the grounds raised in para 5 of the OA No. 504 of 2009 have been examined in the Department

of Pension & Pensioners Welfare.

4. The thrust of the argument made in the representations/OA is that a person

attains the age of 80 years on completion of the age of 79 years and therefore, the additional quantum

of pension available on attaining the age of 80 years should be paid immediately on completion of the

age of 79 years.

5. The above argument of the Applicants is on account of misinterpretation of the meaning of

the phrase “attaining the age of. The position in the Rules regulating the service conditions of

the Government servants in this respect is well settled. In accordance with Rule 56 of the

Fundamental Rules applicable to the Government servants, a Government servant retires from

service on the afternoon of the last day of the month in which he attains the age of 60

years. Accordingly, a Government servant retires on the afternoon of the last day of the

month in which he completes the age of 60 years and not in the month in which he completes

the age of 59 years. On this analogy, the additional pension/family pension on

attaining theage of 80 years has to be paid only after the pensioner completes

the age of 80 years and not after he completes the age of 79 years.


6. In para 5(M) of the OA, the Applicants have referred to the Venkataramani lyer’s Law laxicon

with Legal Maxims (Reprint 1991) according to which a person attains the age of 21 years “on the day

preceding the anniversary of his 21st Birthday”. In terms of this definition itself, a person born on

5.4.1988 attains the age of 21 years on 4.4.2009 and not on 5.4.2008.

7. It is clear from the above that a person attains the age of 80 years only when he completes the

age of 80 years and not when he completes the age of 79 years. However, for the sake of convenience,

it has been provided in the orders issued by this Department that the additional quantum of pension/

family pension, on attaining the age of 80 years and above, would be admissible from the 1st day of

the month in which the date of birth falls..

8. In the light of the foregoing, the request of the Applicants for payment of the additional

quantum of pension available on attaining the age of 80 years immediately on completion of the age of

79 years is not agreed to.

No. 2009/TG4V/10/.PA/WC/78/PoIicy New Delhi, 26.08.09


All Zonal Railways.

Sub : Battery Operated Vehicles for Disabled and Old Age Passengers at Railway StationsCOMMERCIAL CIRCULAR NCX38 OF 2009

Proposals have been received from various fora for a free round the clock service of battery

operated cars at the platforms of major railway stations for carrying disabled and old aged passengers

for boarding the trains,

The matter has been examined in Board’s office and it has been decided that Zonal Railways

may allow parties to operate such vehicles, in supercession of AM(C)’s DO letter of .even number dated

8/7/09, on first cuin first serve basis under the following terms and conditions :

a) No charge shall be levied either from the passenger or from the Railway,

b) Railway shall provide only electricity free of cost for charging the batteries of the vehicle.

c) Party shall be allowed to advertise on the panel of the vehicles which shall be bound by the

guidelines stipulated for advertisement on railway premises.

d) The vehicle shall be used to cater only the disabled and old aged passengers,

e) An agreement with the party shall be entered into for a period of maximum one year,

f) Repairs, maintenance and replacement, if required, will be done by party,

g) The number of vehicles to be plied at a station will be decided by the Zonal Railways based

on requirement,

h) An annual review of the performance shall be undertaken to assess the revenue involved

and possibility of revenue sharing,


No. 94/TG-I/20/P/14 New Delhi, Dated 28.08.2009


All Zonal Railways including Production Units.

(Commercial Circular No.39 of 2009)

Sub : Reservation on Railway passes - Revised Guidelines

Due to change in system, the issue of seeking reservations on Railway Passes has

been under consideration in the Ministry of Railways and it has now been decided that the following

procedure should be adopted for providing reservations/cancellations on the Railway Passes:-

i) Pass holders or their representatives should present their passes along with the

requisitions duly filled in to the Reservation Clerk who will issue ticket and make endorsement

on the face of the pass indicating the train number, date of journey, status of tickets, etc.

ii) Holders of Privilege, Duty, Post Retirement, Complimentary, Metal and other passes may

be allowed to seek fresh reservation only if the earlier reservation is cancelled,

iii) In case of confirmed reservation on Privilege, Post retirement, Complimentary and other

passes, the pass holder can make maximum three time reservations provided the earlier one has

been cancelled before chart preparation. If the confirmed reservation is not cancelled before

preparation of charts, the pass will be treated as used. In exceptional cases, discretionary powers

for allowing reservation on such passes only once can be delegated to a JA Grade level officer. At

Divisional level, where any JA grade level Commercial officer is not available, the next senior most

Commercial Officer may be delegated these powers,

iv) There will be no restriction in number of cancellations in case of Duty Pass, Metal Pass

and in case of tickets having a status of fully/partially Waiting List (at the time of cancellation)

against Privilege, Post Retirement and Complimentary passes. However, fresh reservation will

be given only after the earlier one has been cancelled within the normal prescribed time limits.

v) Telephonic requests for reservation and cancellation will not be entertained.

vi) The portion of break journey will be treated as separate journey i.e. instructions contained at

The above instructions shall be valid for a period of one year from the date of issue of

this letter,

This has the concurrence of the Finance Directorate of Ministry of Railways,

(V.K, Sharma)Director, Traffic Commercial (G)

Railway Board


No.2005/Hf28/1/RELHS New Delhi, dated : 31-08-2009

The General Managers,All Indian Railways(including production units and RDSO, Lucknow)

Sub : Issuance of medical card for joining Retired Employees Liberalised HealthScheme (RELHS-97).

Difficulties have been expressed by retired railway staff and Association of Pensioners etc.in regard ;to early issuance of RELHS Card Keeping in view the problems faced by such retiredrailway staff and with a view to minimize the time taken to issue such RELHS Cards etc., Board hasdecided that such retired staff who may opt for the scheme (last date being 31.03.2010) may beallowed to have/issue RELHS Card from the Personnel Department of division from which the retireeis drawing post retirement passes, the wayside station supervisors from where too SUCH retireesmay be drawing post retirement passes should get such requests for RELHS Cards, collected andvalidate the last pay drawn etc. from the records available with them and adduced .by retirees andarrange to send the same to Personnel Department of the Division for arranging a RELHS Card. Anadvice to the zonal railway/division, from which the retiree staff actually retired about the issuance ofthis RELHS card by some other division etc., may also be sent separately.

All other terms and conditions contained in Board’s letter No. 97/H/28/1 dated 23.10.97.17.5.99 and 27.12.99 and letters No, 2003/H/28/1/RELHS dated 28.1 2005. letter No 20C5/H/28/1/RELHS/Cont. dated 24.6.2005, 2005/H/28/1/RELHS dt. 31.10.05 and 2003/H/28/1/RELHS dt. 16.3.09will remain unaltered.

The RELHS card should also be signed by the in- charge of the pass issuing authorityi.e. AEN/Area Manager/ASTE etc. as the case may be.

Bank statement /certificate regarding the amount of pension and allowance drawn by theretiree may be considered as a valid document

2. This issues with the concurrence of Finance Directorate of Ministry of Railways

3. Please acknowledge receipt,(P.K.Sharma)

Adviser Staff Railway Board

para (iii) and (iv) will be applicable for each leg of journey separately.

vii) It will be the responsibility of officer/staff making reservation on Metal/Duty Passes to

ensure that between the same stations and on the same date, reservation should not

be made in two separate trains.

Correction silp para 638 to 640 is being issued separately.

( Sanjay Manocha )Dy. Director Traffic Commercial(G)-ll

Railway Board


No. E(W) 96 PS 5-8/2 dated 03-09-2009

ADVANCE CORRECTION SLIP NO. 66 TO THE RAILWAY SERVANTS (PASS) RULES. 1986(SECOND EDITION, 1993)

Add the following as para at the end of item No. (xiv) in column 3 of Schedule-IV (PostRetirement Complimentary Pass).“(iv) Retired Railway employees of 70 years of age and above who are entitled to 1st Class/Ist NA7 Post Retirement Complimentary Passes may take a companion in the same class in alltrains, including Rajdhani/Shatabdi trains, by paying l/3rd of the difference of fare between SleeperClass/II Class and the class in which the retired Railway employee travels, and thefollowing endorsement shall be made on the pass :-“ Companion in lieu of attendant will be permitted only when the pass holder and other familymember (s) more than 70 years of age is/are travelling in SL/II Class in trains other than Rajdhani/Shatabdi express, or in higher class by paying l/3rd of the difference of fare between SL/II classand the class in which the pass holder/family member (s) above 70 years of age is/are travelling inall trains including Rajdhani/Shatabdi trains subject to existing restrictions regarding number ofberths”.

2. Add the following as para (iv) at the end of item (ii) (c) under column 3 in Schedule-V(Widow Pass).

RBE No. 1 5 S /2009ACS No. 67 PC-Vi Circular No.

No. E(W)97/PS5-1/71 New Delhi, the 31st August, 2009.

The General Managers(Personnel),All Indian Railways/PUs.

Sub : Grant of Privilege Passes /PTOs to dependent relatives -Raising the income ceiling.

Reference this office letter of even number dated 12.6.2008 on the above mentionedsubject, whereby the income ceiling for dependency for the purpose of grant of PrivilegePasses/PTOs to dependant relatives of railway servants was revised w.e.f. 1.1.2008 asRs.3308/- p.m. i.e. Rs.150Q(Pension/Family Pension) t-Rs.750(DP)+47% of Rs.2250(1500+750) or 15% of the Pay (excluding DP) of the Railway servant, whichever was more.

2. Consequent upon implementation of Govt.’s decision on the recommendations of theSixth Central Pay Commission regarding revision of minimum family pension to Rs.35QO/-,it has been decided that a “dependent relative in relation to a Railway servant as defined inPara~2(C) of the Railway Servants (Pass) Rules, 1986 (Second Edition, 1993) shall beconsidered eligible for entitlement of Passes/PTOs if his/her income does not exceedminimum pension/family pension i.e. Rs. 35QQ/- and Dearness Relief thereon or 15% of thebasic pay of the Railway servant, whichever is more.

3. Accordingly, in exercise of the powers conferred by the proviso to Article 309 of theConstitution, the President is pleased to direct that the first proviso below Para 2(C) (vii) ofthe Railway Servants (Pass) Rules, 1986 (Second Edition, 1993) may be amended as per‘Advance Correction Slip No. 67 enclosed. Please acknowledge receipt.

(Debases Mazumdar)Joint Director Esft.(Welfare)

Railway Board


Defence Pensioners Summary of Recommendationsof Secratries committee

To sum up, the following recommendations are made by the Committee:-

Personnel Below Officer Ranks

The proposal of Ministry of Defence to bring pre-10.10.1997 PBOR pensioners on par withpost-10.10.1997 PBOR pensioners may be agreed to. Since this is a new concession aimed at-improving the pension of PBORs, the benefit will be given prospectively-and no arrears are to begiven. The financial implications for the proposal would be Rs.470.66 crore per annum.

The proposal of the Ministry of Defence to Reckon the enhanced rate of classificationallowance w.e.f. 1.1.2006 on notional basis for the purpose of calculation of pension (as in the .case.of reckoning MSP fordetermination of pension) may be agreed to. This recommendation wouldbenefit around 88,000 PBORs who retired between 1.1.2006 and 31.8.2008. The average increase inpension of these PBORs is estimated to be Rs.60 p.m. in Basic Pension. The financial .implicationsfor this proposal will be Rs,7.73 crore per annum. .This proposal emanates from Sixth CPC’srecommendations and may be implemented w.e.f. 1.1.2006. Accordingly, arrears will be paid.

In order to reduce the gap between the pensions of pre and post 1.1.2006 PBORpensioners, it is proposed to follow the principle of the Award of GOM of 2006 in the followingmanner:-

(a) To reckon the pension of all pre 1.1.2006 PBOR pensioners with reference to a notionalmaximum in the post 1.1.2006 revised pay structure corresponding to the maximum of pre-Sixth PayCommission pay scales as per fitment table of each rank,

(b) Also to continue with the enhanced-weightages awarded by the GOM.

This dispensation, which will be applicable; to service pension as in the case of GOM award of2006, will result in average monthly increase in the pension of pre-1.1.2006 PBORs in the range ofaround Rs.800 to Rs.1400 for Group Y depending on the rank and years of service. This will benefitapproximately 12 lakh pre 1.1.2006 PBOR pensioners. The financial implications on account of thisproposal would-be Rs.1636 crore per annum. Since this is a new concession aimed at improving thepension of PBORs, the benefit will be given prospectively and no arrears are to be given.

Commissioned Officers

(iv) The proposal to remove the linkage of full pension with 33 years of qualifying service w.e.f.1.1.2006 instead of. 1,9,2008 in the case of . Commissioned Officers may be agreed to. A similardispensation will have to be extended to civilians who have retired between 1.1.2006 and 31.8.2008.This recommendation would benefit around 1100 Officers (Army) whose pension would increase byabout Rs.3000 p.m. In the case of civilians, this dispensation will benefit only. those/who have takenvoluntary retirement after rendering 20 to 28 years Qf; service. The number of such personnel is notlikely to be significant. The financial implications for this proposal will be Rs 4.83 crore per annum.This proposal emanates from Sixth CPC’s recommendations and may be implemented w.e.f. • 1.1.2006.Accordingly, arrears will be paid,


(v) In order to address the issue of disparity in the pension of pre and post-1.1.2006 pensioners atthe level of Lt. General/equivalent/Additional Secretary and equivalent civilian categories, a separatepay scale starting at Rs,67000 and going up to Rs.79000 may be created and all officers of the levelof Lt. General Additional Secretaries/equivalent may be fixed in this scale. As a result of this, thepension of pre-1.1.2006 Lt. Generals will get fixed at Rs.36,500 and those of Additional. Secretariesat Rs.33,500. This will benefit roughly 4000 officers. The financial implications for this proposal will beRs.25 crore per annum. This proposal emanates from Sixth CPC’s recommendations and may beimplemented w.e.f. 1.1.2006. Accordingly, arrears will be paid.

All Defence Pensioners

(vi) It is proposed to agree to broadbanding of percentage of disability/war injury pension forpre-1.1.1996 disability/war injury pensioners. The financial implications of the proposal will becollated by Department of Expenditure from Department of Ex-Servicemen Welfare, Department ofPensions and Ministry of Home Affairs.

(vii) It is proposed to remove the cap on war injury; element of pension in the case of disabledpensioners belonging to Category E. This will also be applicable to civilian personnel, including thosebelonging to the Central Para Military Forces. The financial implications, of the proposal will becollated by Department of Expenditure from Department of Ex-Servicemen Welfare, Department ofPensions and Ministry Home Affairs.

9. The financial implications of the above proposals from (i) to (v) at a glance are as under:-(Rs. in crore)

SI. No. Proposal Annualimplications

a) Inclusion of classification allowance for PBORs from 1.1.06 7.73

b) Removal of linkage of full pension with 33 years from 1.1.06 4.83

c) Revision of Lt. General pension after carving out a separate 25

pay scale for them

d) Bringing parity between pension of pre and post 10.10.97 470.66

PBOR pensioners

e) Further improving PBOR pensions based on award of 1636

GoM, 2006

Total 2144.22

Financial implication on account of arrears of a), b) & c) = Rs.164.5 crore

-sd-

(Neelam Naui)Secretary

(Ex-servicemen Welfare)

-sd-

(Madhukar Gupta)Home Secretary

-sd-

(Rajni Razdan)Secretary

(Pensions & PW)

-sd-

(Sushama Nath)Secretary

(Expenditure)

-sd-

(RSfiul Sarin)Secretary, DOPT

-sd-

(Vijay Sirigh)


MEMBERSHIP FORM

RETIRED RAILWAY EMPLOYEES WELFARE ASSOCIATION (REGD)G U R G A O N

Website :- www.rrewa.org E. mail pensioner77@ yahoo.com

Name_________________________Last designation______________________

Station of last posting__________________Date of retirement_______________

Date of birth_____________________________________________________________

Educational qualifications:-

Hobbies:-

Areas of special interest:-

Present address__________________________________________________________

_______________________________________________________________________Permanent address:_______________________________________________________

Telephone No.________________________ Mob No.:___________________________

E-mail add.:______________________________________________________________

I hereby give my consent to become life member of RREWA and tenderRs 300/- in cash / by cross Cheque/ Bank D.D. No._________drawn on :_______BankGurgaon/New Delhi/Delhi towards life membership subscription.

Signature

Note: A Cheque / Draft For Rs 300/- only should be drawn in the favour of “RREWA,

Gurgaon”. For Out station cheques unless payable at par, please add additional Rs. 50

towards clearance charges.

Cash / Cheques can also be deposited in S.B. A/c No. 00712010049910 of Oriental

Bank of Commerce (OBC) under advise to General Secretary. For electronic tranfer of

money to RREWA S.B. A/c. No. 00712010049910 use IFSC Code of OBC Bank :-

ORBC 0100071.

General Body RREWA reserves the right to revise member Ship fee as and when

deemed necessary.

This form is also available at the RREWA website www.rrewa.org (at the top of Home

page)


Govt. Health plan in private Hand?Plans a New insurance scheme in place of CGHS/RELHS/ECHS

1. Attention is drawn to Apex court judgment in case of Consumer Education& Research canter &sothers v/s UOI &others writ petition (C) No.206 of 1986 {AIR 95 Vol. 82 Page922} Para 27 wherehonorable S.C. ruled :- “we therefore hold that right to medical aid to protect the health & vigor of aworker while in service or post retirement is Fundamental Right under Article 21, read with Article 39(e),41,43,48A and all the related articles and Fundamental human rights to make the life of the workmanmeaningful and purposeful with dignity of person.”

Also in some of the organizations like Railways medical attendance & treatment is part of serviceconditions as ruled by S.C. in the apex court judgment in the case of Laxman Thamappa Kotgiri v/sG.M. C.Rly & others. Civil Appeal No. 171of 2004(Arising out of SLP ( C )No. 4994 of 2004, date ofJudgment 6-01-05 {2005(1) Scale Page 600} Para6

Where in it has been laid down: that there is no dispute that the Hospital (read Rly hospital) inquestion has been set up for the purpose of granting medical treatment to the Railway Employees andtheir dependents. Apart from the nominal charges, which are taken from such Railway Employees, thisfacility is part of the service conditions of Railway Employees.

Thus Medical aid to serving & to the retired employees is a Fundamental right .

If Central Government Employees & Pensioners Health Insurance Scheme(CGEPHIS ) isimplemented then the CGHS/RELHS/ECHS Which have been providing medical attendance &treatment to Central Govt. employees will soon become a thing of past &the C.G. Employees &pensioners will have to shell out considerable amount every year which may go on increasing with time

That means one will have to pay to get his/her Fundamental Right !

2. The govt. has proposed to bring in a new health insurance scheme for Central Govt Employees &has invited insurance companies to give their proposal for the same. The C.G. employees &pensioners health insurance scheme was framed after the sixth central Pay commissionrecommended a new health insurance scheme be introduced in place of the CGHS

The proposed scheme will provide an insurance cover of Rs 5 lacs per family per year.”the benefitshall be available to each and every member of the family on floater basis. This means that the totalreimbursement of Rs 5 lacs can be availed by either one individual or all members of family”’ theScheme proposed.

In case hospitalization expenses exceed 5lacs in a year , a committee will dicide on reimbursingthe extra amount on case to case basis.. For this an additional Rs 15 crores will be kept as “buffer orcorporate floater”. The committee will be setup by the Centre or Nodal agency Currently, there is nolimit on expenses incurred by employees & their families. This reimbursement procedure willencourage Corrupt practices!

The new scheme may not necessarily be the good news since for insurance companies theirwould be a wide range of hospitals for empanelment ( as accreditation too is easily available at a cost)& they will choose the cheapest(compromising quality) for obvious reasons . There are great chancesthat insurance companies would ensure that the patient is treated at the cheapest hospital. In Indiaout sourcing comes with inbuilt system ills i.e . Subletting – Subletting & further subletting Plus “Com-mission Raj” result will be quality compromise or only 15paisa worth of facility out of a 100 willreach the beneficiary.

So if Govt. Wish to bring in such reforms let them first convince the beneficiaries of goodgovernance & delivery system . Let the first come first, ensure delivery! Till then pl. spare thepresent & past employees “Health” Take immediate & vigorous steps improving the presentCGHS/ECHS/ECHS .Train Medical /Paramedical staff in Geriatric care , to improve their behavior

and attitude towards Elderly. S.C.MaheshwariGeneral Secretary RREWA


O B E S I T Y

Today, the word obesity is of much of a concern for all as it is a growing

epidemic that is affecting billions of people around the world. Not only has it

been talked a lot, but it has also begun to be ranked as a serious risk

comparable to certain diseases. In fact, some doctors and nutritionist even call

obesity itself a disease. One needs to know what exactly obesity is.

Obesity is simply defined as too much or high proportion of body fat. Ac-

cording to most references, a person is classified as obese if he or she has a BMI of 30 or higher.

People with a BMI of 25-29 are typically classified as overweight, however they also take the risk of

becoming obese if they do not change their Diet and lifestyle or seek medical advice

Body mass index (BMI) and Waist circumference measurement are the

recommended ways to estimate body fat. A high-risk waistline is 35 inches or

higher for women, and 40 inches or higher for men.

The body mass index formula assesses body weight relative to height. It’s a

useful, indirect measure of body composition, because in most people it

correlates highly with body fat. Weight in kilograms is divided by height in

meters squared (kg/m2). Or multiply weight in pounds by 703; divide by height

in inches,

then divide again by height in inches.

• BMI values less than 18.5 are considered underweight.

• BMI values from 18.5 to 24.9 are normal.

• Overweight is defined as a body mass index of 25.0 to less than 30.0 A BMI of

about 25 kg/m2 corresponds to about 10 percent over ideal body weight.

• Obesity is defined as a BMI of 30.0 or greater (consistent with criteria of the World

Health Organization),

• Morbid obesity is defined as a BMI of 40 or greater.

Factors and Causes that increase the risk of obesity include:

Genetics: The genes may affect the amount of body fat one stores and where that fat is distributed.

Genetics may also play a role in how efficiently body converts food into energy and how body burns

calories during exercise. The genetic makeup doesn’t guarantee that he or she will be obese, however.

Family history: If one or both of the parents are obese, the chances of being obese are greater. Thismay be due to shared genes or to a shared environment, which may include high-calorie foodsand inactivity.

Age: As the person gets older, one tends to be less active. In addition, the amount of muscle in thebody tends to decrease with age. The lower muscle mass leads to a decrease in metabolism. Thesechanges also reduce calorie needs. If the caloric intake is not reduced, one is likely to gain weight.

Sex: Women are more likely to be obese than are men. They have less muscle mass and tend to burnfewer calories at rest than men do.


Diet : Regular consumption of high-calorie foods, such as, food rich in simple carbohydrates, fried

foods, fast foods or increasing their portion sizes contributes to weight gain. High-fat foods are dense

in calories. Loading up on soft drinks, candy and desserts also promotes weight gain. Foods and

beverages like these are high in sugar and calories.

Inactivity: Sedentary people are more likely to gain weight because they don’t burn calories through

physical activities.

Medical problems: Uncommonly, obesity can be traced to a medical cause, such as low thyroid

function or excess production of hormones by the adrenal glands (Cushing’s syndrome). A low

metabolic rate is unlikely to cause obesity. In addition, it’s unclear whether polycystic ovarian

syndrome contributes to obesity. Some medical problems, such as arthritis, can lead to decreased

activity, which may result in weight gain.

Quitting smoking: Smokers tend to gain weight after quitting. This weight gain may be partially due to

nicotine’s ability to raise the rate at which body burns calories (metabolic rate). When smokers stop,

they burn fewer calories. Smoking also affects taste, quitting smoke makes food taste and smell

better. Former smokers often gain weight because they eat more after they quit. However, cigarette

smoking is still considered a greater threat to our health than is extra weight.

Pregnancy: During pregnancy a woman’s weight necessarily increases. Some women find this

weight difficult to lose after the baby is born. This weight gain may contribute to the development

of obesity in women.

Certain medications: Corticosteroids and tricyclic antidepressants, in particular, can lead to weight

gain. So can some high blood pressure and antipsychotic medications.

Risk factors related to Obesity

It is well established that obesity increases the risk of developing chronic diseases, including

Type II Diabetes Mellitus, high blood pressure, dyslipidemia, cardiovascular diseases, stroke, fatty

liver disease, gallbladder disease, fertility and pregnancy problems and several types of cancer.

Individuals who are obese are also at higher risk of developing musculoskeletal disorders such as

osteoarthritis of weight-bearing joints, chronic kidney disease and obstructive sleep apnoea, Social

and emotional consequences. These obesity-related co-morbidities increases the individual’s

mortality, decreases the functional capacity and quality of life.

Obesity and weight management.

The goal of obesity management is to achieve and maintain a healthier weight. The amount of

weight you need to lose to improve your health may be much less than what you feel you need to lose.

Achieving a healthy weight is usually done through dietary changes, increased activity and behavior

modification. Depending on your situation, your doctor may suggest prescription medication or

weight-loss surgery to supplement these efforts.

Dietary modifications

Achieving any therapeutic goal successfully involves consuming weight management balanced

diet, which includes all food groups in required amounts all through the day.


Carbs are good; they are found in every food except meats and oils. Whatever the total calories

for the day 60% should be supplied from carbs, because in addition to

calories carbs rich foods also give;

• Fibers, the insoluble part of foods that have major health benefits

• They have a protein sparing action thereby giving rest to the

system

• Whole grain cereals are good sources of important vitamins like

B1, B6, and nicotinic acid.

Fats are essential for important body functions: 20% of total calories

should come from fats, both visible and invisible.

• Fats are a concentrated source of energy.

• Fats impart palatability to a diet.

• They slows food emptying from the stomach helping with satiety

• Presence of fat is important for the absorption of vitamins like VIT-A, D, E and K.

Proteins are vital for the body:

• They build our muscle, tissues, and body fluids like blood.

• They supply the body building material

• As antibodies they help the body fight against infections

Crash diets to reduce calories aren’t recommended because they can cut so many calories and

nutrients that they lead to other health problems, such as vitamin deficiencies. Fasting isn’t the

answer, either. Most of the weight you initially lose is from water, and it’s

not good for your body to go without food for extended periods.

Increased physical activity

Exercise is important and when implemented together with a good

diet makes a perfect duo for weight reduction and maintenance. In addition

exercise improves metabolism reduces the risk of CVD; osteoporosis and

diabetes. How many calories you burn depends on the frequency, duration

and intensity of your activities. One of the best ways to lose body fat is

through steady aerobic exercise — such as walking — for more than

40 minutes most days of the week. A gradual

There are so many activities that can be fit into our day. Think about

ways you can increase your physical activity throughout the day. For

example, make several trips up and down the stairs instead of using the

elevator, or park at the far end of the lot.

If an individual is obese, particularly if one is unfit and have health problems, check with the doctor

before starting an exercise program.


Behavior modification

To lose weight and keep it off, we need to make changes in our lifestyle. But there’s

more to changing the lifestyle than choosing different foods and putting more activity into our day.

It also involves changing our approach to eating and activity, which means changing how we think, feel

and act.

A behavior modification program — led by a psychologist, therapist or other trained professional

— can help us make these lifestyle changes. Behavior modification programs may include examining

the current habits to find out what factors or situations may have contributed to excess weight.

Exploring current eating and exercise habits gives a place to start when changing the behaviors.

Once we understand which habits are undermining our weight-loss efforts, we can take steps to

create a new, healthier lifestyle. These tips can help:

Have a plan: Work out a strategy that will gradually change your habits and attitudes. Consider how

often and how long you will exercise. Determine a realistic eating plan that includes plenty of water,

fruits and vegetables. Write it down and choose a start date.

Set realistic goals: Weight-loss goals can be process goals, such as exercising regularly. Make

sure process goals are realistic, specific and measurable. For example, you’ll walk for 30 minutes a

day, five days a week. For outcome goals, aim to lose weight at a safe pace of 3 or 4 Kg a month.

Losing weight more rapidly means losing water weight or muscle tissue, rather than fat.

Avoid food triggers: Distract yourself from your desire to eat with something positive, such as

calling a friend. Practice saying no to unhealthy foods and big portions. Eat when you’re actually

hungry — not when the clock says it’s time to eat.

Keep a record: Keep a food and activity diary, so you can reinforce good habits and discover any

behaviors that you may need to improve. Be sure to track other important health parameters such as

blood pressure, cholesterol levels and overall fitness

There are some very simple things you can do every day to make sticking to your diet easier :

• Plan your meals so that you eat healthy food, not just whatever is easiest.

• Think before you eat instead of raiding the refrigerator every time you feel hungry.

• Use a smaller plate, so that you can’t heap on much more than you really want or need

• Chew slowly and completely, savoring every mouthful, instead of packing in as much as

you can.

• Drink plenty of water.

In short, obesity is a serious risk to our health. However, there is nothing stopping us from changing

the bad habits we have now into better ones that prolongs our life! Even those who are not obese should

be aware of good eating habits because even if they aren’t obese now, bad eating and exercise habits can

have negative effects later in life. Hopefully, after reading this article, you will bring about lifestyle changes

so as to start living a healthier life — regardless of whether you are obese or not.

Jyoti. AroraHead Dietician

Artemis Health Institute, Gurgaon


Sleep Disorders in EldersBy Dr. (Mrs.) Shantha Kamath (Chennai)

Sleep familiar to all of us, yet remains a medical mystery. The Britannica definition - “the

normal periodic suspension of consciousness during which the powers of the body are restored”;

takes into account the essential nature of sleep for optimal human well being.

Sleep disturbances are one of the major health complaints of older adults. Approximately 50% of

the population, aged 65 or older, have problems with sleep problems with serious medical

consequences. Sleep disturbances in the older population are multi-factorial and sleep loss may

exacerbate medical and psychiatric illnesses. Patients suffer in silence as very often physicians

are inadequately trained to enquire about and recognize the variety of sleep disorders that might

afflict a patient.

Normal Sleep process occurs naturally in humans in either one long nocturnal period or in

the afternoon period as a siesta. Sleep is composed of 2 major subtypes non REM and REM sleep.

Non REM sleep is divided into stages 1,2,3, and 4 based on the degree of EEG slowing and certain

EEG (Electro encephalogram) patterns. REM (Rapid Eye Movement) sleep occurs at the end of

each cycle (every 90-120 minutes) and the REM periods last from a few minutes to up to forty

minutes and REM sleep is associated with marked diminution of skeletal muscle tone the report of

dreaming and autonomic system variability. The usual sleep requirement for adults is between

REM 7 & 9 hours. People become sleepy during the day because either quality or quantity of sleep

is disturbed in combination with the intrinsic circadian rhythm.

Age-related changes in sleep architecture

The most prominent findings are age - related changes are that of decreased quantity and

quality of nocturnal sleep The ability to sleep decreases with age NOT the need for sleep. This may

be because of long and frequent awakenings and increased amounts of light sleep during the day.

Sleep disturbances in the older population are multi-factorial and sleep-loss may exacerbate

medical and psychiatric illnesses. Chronic sleep disorders may result in impaired cognition,

confusion, increased risk of injury and any of which can alter an individual’s quality of life or create

social and economic burdens for care givers.

It is very important that general physicians and family doctors take a good sleep history

and it should be part of the general medical history. Some of the history is best obtained from the

care giver. In addition to sleep history sleep diaries and sleep studies like polysomnogram are

important for the diagnosis of specific sleep disorders such as leg movements, unusual behaviors,

and presence of underlying sleep-related breathing disorders.

S L E E P D I S T U R B A N C E S

INSOMNIA

Insomnia is inadequate or non restorative sleep. The most common presentation is

difficulty in staying asleep and early morning awakening. Identification of the underlying cause is


the key to the treatment as insomnia can be due to multiple factors. Depression, anxiety,bereavement,

dementia are some of the neuro psychiatric causes of insomnia. Concurrent medical disorders like

nocturnal cardiac ischemia, chronic obstructive lung disease, asthma, thyroid disease, cardiac

failure and obstructive sleep apnea are some of the causes for insomnia. Other causes are

substance abuse disorder, circadian rhythm disorder and primary insomnia where there is no cause.

Sleep - wake patterns and Circadian rhythm Disturbances

There is evidence that aging is associated with alterations in the regulation of circadian

rhythms as well as the response to both internal (hormonal) and external stimuli (light activity). The

sleep and wakefulness cycle is regulated by the circadian system and this explains the early

morning awakening and daytime napping that is common among older people.

MELATONIN

A reduction in the melatonin has been reported with aging and this is responsible for

disturbances in the circadian rhythm. There are day-night variations in melatonin levels and

replacement with melatonin has been used to improve sleep in the elderly. Sun downing is the term

used as the nocturnal exacerbation of agitated and disruptive behaviors. In chronic care facilities,

agitated behaviors are noticed in the evening and this behavior is difficult to manage and care taker

burn out is very high. The underlying cause of sun downing is unknown. Risk factors include recent

surgery, recent room transfers, incontinence and physical pain. Disruption of circadian rhythm in

dementia and the resultant alterations of the circadian sleep wake cycle have been implicated in the

etiology of sun downing. Agitated behavior was more common at sunset during the winter months

compared to the fall months.

TREATMENT APPROACHES FOR INSOMNIA SLEEP HYGIENE

There is a great need to combine educational, behavioral and cognitive interventions along

with drug therapy for the treatment of insomnia. Sleep hygiene takes into account the homeostatic

drive for sleep circadian factors the sleep setting and the drug effects. Some examples of sleep

hygiene include:-

• Regular exercise in the morning or late afternoon.

• Maintain regular sleep and wake up times.

• Avoid eating a heavy meal or drinking three hours before bedtime.

• Avoid caffeine in the afternoon and evening.

• Do not smoke or drink alcohol to induce sleep,

• Keep the room dark and maintain comfortable room temperature.

• Avoid exposure to bright light in the middle of the night if you have to get up.

• Avoid unfamiliar sleep environment.

BRIGHT LIGHT

Exposure to bright light has also been used for treatment of sleep-wake cycle in the elderly.

Elderly people with early morning awakening and sleep maintenance insomnia, timed exposure to


bright light improves sleep maintenance. This can be achieved by sitting outside or at a window

looking at bright sunlight.

PHYSICAL AND SOCIAL ACTIVITY

Physical activity is a well-established exercise and has been shown to also improve deep

sleep in older people. Increased physical activity even light exercise resulted in improvement in

sleep patterns and decreased restless behavior in patients with dementia. Inactivity has negative

effects on sleep.

PHARMACOLOGICAL THERAPIES

The most widely used prescription hypnotics are the benzodiazepines. Choice of hypnotic

may depend on the nature of sleep complaints. If the predominant problem is falling sleep, a

fast-acting hypnotic may be preferable. If the problem is frequent awakenings and sleep

maintenance, a longer acting hypnotic may be more effective. Memory deficits, loss of balance,

daytime drowsiness and falls may be more frequent in patients with disturbed sleep who take

hypnotic medication. Antidepressants are also helpful in the treatment of older patients. A

combination of sleep hygiene, behavioral treatment and pharmacological treatment is recommended

for chronic insomnia.

OTHERSLEEP DISORDERS

Obstructive Sleep Apnoea

Sleep-related breathing disorders are the most serious of the sleep disorders. Sleep apnea

and hypopneas increase in frequency with age and is more prevalent with institutionalized elderly

with dementia. This condition needs evaluation and it is important to seek treatment as it may be a

risk factor for high blood pressure, heart disease and stroke.

Another common disorder is common in the elderly is PERIODIC LIMB MOVEMENT

DISORDER. This condition is characterized by leg kicks and leg cramps during sleep. Patients

may experience daytime sleepiness or insomnia. Patients have a creeping sensation in the lower

extremities. This sensation is improved when patients move their legs but returns when movement

ceases. The causes for this Restless leg syndrome is not known but it is seen in association with

anemia, hypothyroidism, side effects of certain medication and peripheral neuropathy. Sleep

disorders are common among older people and this has a significant impact on quality of life of older

people. There is a need for greater awareness among General Physicians and family Physicians

about sleep disorders in the elderly. There is also a need for patient education about sleep

disorders. Medical management is not the only answer but other modalities like behavior

modification and contributing causes need to be examined.

Q U O T A B L E Q U O T E S

Be more dedicated to making solid achievements than in running after swift butsynthetic happiness. - Abdul Kalam

We all want to help one another. Human beings are like that. We want to live byeach other’s happiness not by each other’s misery. - Charlie Chaplin


HEALTHY AGEINGSimple 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.

Meditation:Centering the scattering thoughts can be done by meditation. It gives you mental peace and

leads to reduce your stress. It gives you more mental strength to face your life.

Vow of silence: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:Do work to burn calorie. At the same time take rest.

Friends:“A friend indeed a friend in need” is true especially at old age. Maintain a good relationship

with close friends.

Picnic: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.

E X E R C I S E

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 factorsRegular 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 abilityRegular 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 psychologic well-being.

Prevention and treatment of diseaseIn 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 (eg.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 injuriesRegular exercise can help prevent falls and fall-related injuries by improving several risk

factors for fall related to poor mobility, including strength, balance, neuro-muscular coordination, joint

function and endurance. Exercise provides overall benefits, despite a modest increased risk of falls

during the exercise.

Reduction in mortalityMany studies report that regularly active elderly persons have 20 to 50% lower mortality

(death) rates, despite a slight (but 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 (eg.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.

Those who are having restricted mobility like arthritis of knees and poor vision they can sit and

do upper body exercise. Instead of doing exercise continuously for half an hour a patient can do 10

minutes at a time for three times a day.

The exercise form best suited for any given elderly individual has to be decided upon after

consultation with the doctor. In the presence of certain diseases, certain exercises may be harmful.

For example diabetic patients whose retina has been affected or those who suffer from both diabetes

and hypertension should not perform exercises involving standing on the 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 hypoglycemics 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.

F. No. 42/12/2009-P&PW(G) Dated : 23rd September, 2009

OFFICE MEMORANDUM

Subject : Grant of Dearness Relief to Central Government pensioners/family pensioners -Revised rate effective from 1.7.2009.

The undersigned is directed to refer to this Department’s OM No, 42/12/2Q09-P&PW(G) dated

27th March, 2009 on the subject mentioned above and to state that the President is pleased to decide

that the Dearness Relief payable to Central Government pensioners shall be enhanced from the existing

rate of 22% to 27% w.e.f. 1st July, 2009.

2. These orders apply to (i) All Civilian Central Government Pensioners/Family Pensioners (ii)

The Armed Forces Pensioners, Civilian Pensioners paid out of the Defence Service Estimates, (ill) All

India Service Pensioners (iv) Railway Pensioners and (v) The Burma Civilian pensioners/family pensioners

and pensioners/families of displaced Government pensioners from Pakistan, who are Indian Nationals

but receiving pension on behalf of Government of Pakistan, who are in receipt of ad-hoc ex-gratia

allowance of Rs. 3500/- p.m. in terms of this Department’s OM No. 23/l/97~P&PW(B) dated 23.2,1998

read with this Department’s OM No, 23/3/2008~P&PW(B) dated 15.9.2008.

3. Central Government Employees who had drawn lumpsum amount on absorption in a PSU/

Autonomous body and have become eligible to restoration of l/3rd commuted portion of pension as well

as revision of the restored amount in terms of this Department’s OM No* 4/59/97-P&PW (D) dated

14.07.1998 will also be entitled to the payment of DR @ 27% w.e.f., 1-7-2009 on full pension i,e, the

revised pension which the absorbed employee would have received on the date of restoration had he

not drawn lumpsum payment on absorption and Dearness Pension subject to fulfilment of the conditions


laid down in para 5 of the O.M. dated 14,07.98. In this connection, instructions contained in this

Department’s OM No.4/29/99~ P&PW (D) dated 12.7.2000 refers.

4. Payment of DR involving a fraction of a rupee shall be rounded off to the next higher rupee.

5. Other provisions governing grant of DR in respect of employed family pensioners and re-employed

Central Government Pensioners will be regulated in accordance with the provisions contained in this

Department’s OM No. 45/73/97-P&PW (G) dated 2.7,1999 as amended vide this Department’s OM

No, F. No. 38/88/2008-P&PW(G) dated 9th July, 2009, The provisions relating to regulation of DR

where pensioner is in receipt of more than one pension will remain unchanged.

6. In the case of retired Judges of the Supreme Court and High Courts, necessary orders will be

issued by the Department of Justice separately.

7. It will be the responsibility of the pension disbursing authorities, including the nationalized

banks, etc. to calculate the quantum of DR payable in each individual case,

8. The offices of Accountant General and Authorised Public Sector Banks are requested to ar-

range payment of relief to pensioners etc. on the basis of above instructions without waiting for any

further instructions from the Comptroller and Auditor General of India and the Reserve Bank of India in

view of letter No, 528-TA, II/34-80-II dated 23/04/1981 of the Comptroller and Auditor General of India

addressed to all Accountant Generals and Reserve Bank of India Circular No. GANB No. 2958/GA-64

(ii) (CGL)/81 dated the 21st May, 1981 addressed to State Bank of India and its subsidiaries and all

Nationalised Banks.

9. In their application to the pensioners/family pensioners belonging to Indian Audit and Accounts

Department, these orders issue in consultation with the C&AG.

10. This issues with the concurrence of Ministry of Finance, Department of Expenditure vide their

U,Q, No. 334/EV/2009 dated 23.9,2009.

Raj SinghDirector

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C O U R T V E R D I C T S

Concerning Pension-CourtesySh. K.S. SitaramanLife Member RREWA

1. D.S. Nakra Case

The Supreme Court in D.S. Nakra case, held that Classification of pensioners will have to answerthe test of Article 14 of the Constitution, further held the court…… the Supreme Court concluded,pensioners for the purpose of pensionary benefits form a class. Such homogeneous class could notbe arbitrarily divided when the pension undergoes an upward revision. The fixation of the cut off datewas arbitrary and constituted an eligibility criteria unrelated to the purposes of revision of pension. Thedivision classifying pensioners into two classes is not based on any rational principle, held the Court.

2. Supreme Court Judgment (AKKARA CASE JUDGMENT dtd 10th Oct 2006)

In regard to pensioners forming a class, computation of pension cannot be by different formulathereby applying an unequal treatment solely on the ground that some retired earlier and some retiredlater. If the retiree is eligible for pension at the time of his retirement and the relevant pension schemeis subsequently amended, he would become eligible to get enhanced pension as per the new formulaof computation of pension from the date when the amendment takes effect. In such a situation, theadditional benefit under the amendment, made available to the same class of pensioners cannot bedenied to him on the ground that he had retired prior to the date on which the aforesaid additionalbenefit was conferred.

The employer can validly fix a cut-off date for introducing any new pension / retirement scheme orfor discontinuance of any existing scheme. What is discriminatory is introduction of a benefitretrospectively (or prospectively) fixing a cut off date arbitrarily thereby dividing a single homogeneousclass of pensioners into two groups and subjecting them to different treatment.

3. The Delhi High Court Judgement dt.9.12.2003 in the case of Sri S.C. Parashe vsUOI & others

In respect of Civil Writ Petition 678 with regard to revision of pension as per V CPC, has raised avalid question as to whether a clarificatory OM could override the express terms of the original OM. Ithad finally been held that ‘the Revised Pension has to be minimum 50% of the bottom of the revised VCPC pay scale of the post held by the pensioner at the time of retirement. In the case of 6th CPC, thebottom of the revised VI CPC pay scale is nothing but minimum of the pay in the pay band alongwiththe Grade Pay as applicable, and hence 50% of the same shall be entitled to pre-2006 pensioners inline with the express terms of the original OM.

Thus the above O.M.s seek to classify pensioners who form a homogeneous class, merely onthe basis of the date of retirement, which, according to the Supreme Court judgment in D.S.Nakracase decided on 17.12.1982, and in Bains case, decided on 9.9.08, is violative of Article 14 of theConstitution.

4. Judgment pronounced by Hon’ble Supreme Court on 9th September 2008 available athttp://judis.nic.in/supremecourt/qrydisp.aspx :

(This case was originally filed by some Retired Major Generals of the Army with regardto fixation of their pension after implementation of 5th Pay Commission. Government of India


filed an appeal in the Supreme Court against the judgment of Punjab High Court, (Civil AppealNo. 5566 of 2008, Special Leave Petition (Civil)No. 12357 of 2006 Union of India vs.SPS Vains (Retd.) and others).

In this case Hon’ble Supreme Court has directed as under:

“We, accordingly, dismiss the appeal and modify the order of the High Court by directing that thepay of all pensioners in the rank of Major General and its equivalent rank in the two other wings of theDefence Services be notionally fixed at the rate given to similar officers of the same rank after therevision of pay scales with effect from 1.1.1996, and, thereafter, to compute their pensionarybenefits on such basis”.

5. As per judgment of Delhi High court dated 9-12-2003 in Civil Writ Petition 678, asubsequent OM issued ostensibly in the name of clarifications, cannot override the earlier OM andmake modifications to the detriment of the pensioners.

6. PAUCITY OF FUNDS IS NO EXCUSE TO DENY RETIRAL BENEFITS - Rajasthan High Court (Jaipur Bench) DOJ 12.2.2002 Smt. V.Rukmani T.Bhagat (Petitioner) vs State of Rajasthan (Respondent)

Case : The benefits of V CPC was denied to Rajasthan State Pensioners/Family Pensioners due topaucity of funds. Held: Paucity of funds cannot be an answer to justify the denial of claim which isotherwise just and honest. If employees have a just and honest claim, such a claim cannot bedenied by a welfare State on the ground of paucity of funds. 7. SUPREME COURT (1993(4)CC 288) All India Judges Association Vs UOI.

The SC held: a. The contention w.r.t. financial burden likely to be imposed by the directions inquestion, is equally misconceived. b. The Courts do hand down decisions which financial implicationsand the Govt. is obligated to loosen its purse recurrently owing to such decisions. c.When duties areobligatory (in the case of pensioners, the pension is paid for the duties rendered while in service) nogrievance can be heard that they cast financial burden. Compared to other plan and non-planexpenditure, the financial burden caused on account of the said directions, is negligible…………..

8. MUMBAI HIGH COURT - Suo Motu Writ Petition No.2432 of 1999 with CA No.5058 of1999 DOJ 24.8.1999

The decision of the State Govt. (Maharashtra) was that no arrears of pension and DR for 1.1.96 to30.6.99 will be paid to the pensioners. The High Court directed the State Govt. to consider the matterand in case of financial constraints, the govt. may pay the arrears in instalments in the near future. TheCourt said, “We place on record our appreciation for the approach of Dr. D.Y. Chandrachud, Addl.Solicitor General of India. The learned Counsel strongly recommended to the govt. that thepensioners should not be denied the arrears for the aforesaid period. It is a matter of satisfaction tonote that the Govt. accepted the recommendation and suggestion of Dr. Chandrachud, but while takingdecision regarding arrears, the Govt. decided that considering the financial position, it maynot be possible to meet the burden of arrears bill during the current financial year.

Finally the Court held that first instalment shall be paid during current financial year and next twoinstalments in two financial years to follow. The learned Addl. Solicitor General has accepted that, inthe case of those who have died during this period, their heirs would be paid the arrears ofpension.

Note : To read full judgements please visit www.rrewa.org


WILL

1. WHAT IS WILL

WILL is a legal declaration of the intention of the Testator (Writer of Will) withrespect to his own property (NOT ANCESTRAL) which he desires to be carried. It isrevocable by Testator at any time during lifetime. However, a registered WILL can berevoked by subsequent registered WILL only. A person writing WILL does a great service tohis family and loved ones. There is no stamp duty for immovable property transferredthrough WILL. It is the prerogative of the person having property to distribute andd is inher i t anyone f rom h is asse ts in the manner he cons iders appropr ia teand just.

There is definite advantage at preparing WILL in comparison with not preparing aWILL. 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 suchvalues have disappeared. Everyone is for own family and interest and don’t underestimatethe power of spouse of your son and daughter who often make brothers and sisters to fightfor paternal property in courts. Hence, decide now the division of your property by writingand 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 andillness, terrorist attack and earth quake have been known to turn fatal. Age is not keyfactor. If you have spouse and children, you must write.Don’t just bless children

3. REASONS WHY SENIOR CITIZENS SHOULD WRITE & REGISTER WILL

Make a WILL when you are in sound physical and mental condition and get itregistered. It acts as deterrent for miscreants to prove ownership with false documents ordocuments 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 knowcontents 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 beobtained on WILL itself (both the copies of WILL) about the health and 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 ournet worth. Even a small flat costs Rs. 50 lacs in Delhi.


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. Forimmovable property, one can not nominate “Nominee”. Hence you do need WILL fortransferring immovable property, business, motor car etc.

7. CONSULT SPOUSE WHILE MAKING WILL.

IT IS RESPONSIBILITY OF WOMAN TO ENSURE THAT SPOUSE WRITES AND REGISTERSWILL. WOMAN SUFFERS MOST IN ITS ABSENCE. THIS IS ONLY WAY FOR SMOOTHTRANSFER OF PROPERTY (MOVABLE/IMMOVABLE) AND BUSINESS TO WIDOW/RELATIVE.

8. WRITE WILL EARLY IN LIFE AND REVISE PERIODICALLY.

One should make WILL as early as possible in life – say marriage, or buying propertywhichever is earlier. Death comes at all ages including young and without warning. It isnever too early/late to write and register WILL.

For example, a person has a family of himself, his wife, two major sons and two majordaughters. All are well settled and married. He desires to give away Rs. 15 lakhs to hiswife 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 bedivided amongst his wife and four children in equal proportion. Which of the options ismore desirable?. However, if there is dispute between widow and four children, one hasto 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 dependsupon valuation of total wealth including property and lot of accrimination between the fivelegal heirs.

9. DON’T NEGLECT THE MARRIED DAUGHTERS.

Sons have no birth right Daughters have equal rights for parental property. Son is ason till he gets married; daughter is daughter for ever.

10. MENTION NAMES AND AGE OF LEGAL HEIRS.

11. WHAT CAN BE BEQUEATHED IN WILL

All properties – movable & immovable self acquired property, i.e. generated throughindependent income, gift (not ancestral) can be bequeathed by WILL. Ancestral property isone 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 grandfather is considered to be self acquired property and therefore can be willed. Give fulldescription and share of property, number, street, floor, area, city and description fromwhom bought etc. Similarly give description of business, share in business etc. Generally all movable and immovable property is first bequeathed to spouse demise to bedistributed to son/daughter. One can also mention that spouse has full right to sell theimmovable property.


It helps to have a clearly articulated WILL or succession plan. And it means clearlyarticulated. 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 awritten WILL. The WILL also said “my wife will have the right to stay in the house ownedby me”. Guess, where his wife ended up: in a small garage that was part of house, thustechnically 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 mybedroom, 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 afteryour demise. In proprietary concern, if you don’t leave Registered WILL, all legal heirsbecome owners of business. Hence in your life time, include your spouse as partner inbusiness. .

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. An earlier registered WILL can be replaced by subsequent registered WILL 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 inthe name of beneficiary legal heirs in DDA/L&DO/MCD . It also removes any ground forsuspicion. Registered Will is certainly superior to unregistered one. Registration cost inSDM 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 side topand your identity card and two young and reliable witnesses (male or female) with identitycards like passport, election card, driving licence. [* | In-line.WMF *]01 As soon as theWILL is signed on every page by the author of WILL and also signed by two witnesses toWILL, then the WILL is ready for being presented to Sub-registrar. A small receipt induplicate evidencing the registration of WILL is given to the writer of WILL. On production ofsmall receipt, the original registered WILL be returned to you duly stamped AFTER ONEHOUR... Registered Will is necessary for mutation purposes and is also useful for gettingmoney from P.F., Gratuity, LIC policy, Banks, Mutual Funds, Bonds, Shares, Post Officedeposits etc. in case there is no nomination. Even for transfer of motor car, one needspreferably a registered WILL.

WILL is registered in Delhi in the Office of Sub-registrar of area where property isregistere Delhi Administration has made special arrangement for senior citizens forregistering of WILL. They need not stand in queue and can go straight to Asst. Registrarrequesting for priority registration.


15. REMITTANCE OF MONEY ABROAD FOR SELLING ANCESTORAL PROPERTY

Large number of parents have their all children abroad and for them it is highly. Theproperties of such parents when dead are vulnerable to dishonest persons trying to grabthe properties by any foul means on the death of the owner Government has now allowedproceeds of sale of such properties to be sent to children settled abroad. The issue ofremittance 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 ofsale of ancestral property through normal banking channels after obtaining a certificatefrom a Chartered Accountant certifying that all taxes have been paid. Evidence ofinheritance 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 fromlease hold meaning thereby that such properties have no connection from the authoritiesfrom 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 tomutate all properties with MCD for Property Tax and other purposes like Hence, it is highlydesirable, in fact essential, that as and when a property is purchased, a copy of RegisteredDeed is immediately submitted to MCD so that information regarding ownership is recordedin Municipal records. Similarly, in case of death, legal heirs should intimate to MCD in theproper forms with death certificate for mutation of property in their names. In case onefails to do so, property in MCD continues to be in the name of earlier owner and PropertyTax is also deposited in the name of earlier owner, which is legally incorrect. If property ison rent to another party, property tax is deductible from house income for income taxpurposes. 17. FREEHOLD PROPERTY AND REVERSE MORTGAGE

In case a property is freehold, one can have assured income after 58 years. 18. REGISTERED WILL AND DDA

So far DDA has been insisting that apart from Registered Will, transferee should alsosubmit “No Objection Affidavit” from those legal heirs who have not been beneficiary ofany property through the aforesaid Will. On the persistent follow up of undersigned withVice-Chairman, DDA to remove this offensive clause, DDA has finally agreed throughPrincipal Secretary DO No. PS/PC/DDA/2004/32-M dated 26.4.2004, which reads as follows:

Dear Shri Ahuja,

This is in reference to your letter dated 8.4.04 addressed to the Vice Chairman, DDAregarding clarification about the guidelines to transfer flat in death cases on the basis ofregistered WILL. It has been decided that in such cases no objection certificates will not be


asked from the other legal heirs in case the ‘WILL’ is registered in favour of one/few familymember/s. However, as per the Authority Resolution, the person in whose favourregistered ‘WILL’ has been made, he/she will merely inform DDA about the other legal heirsin his/her affidavit but NOC from them will not be required. 19. 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 theabsence 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.

20. DDA/MCD prefer Registered Will for mutation of property.

Property received through WILL by a person is legally his own in all respects andshould be mutated/transferred in DDA/MCD/ L&D Office and also in DJB and ElectricityOffice records by submitting Registered Will, death certificate and other required papers/documents at the earliest. Procure 20 original death certificates from MCD/NDMC becausemost authorities insist for original death certificate or notarized death certificate.Guidelines are available for mutation in MCD/L&DO/DDA Office. Best guidance for filing offorms can be obtained from the typists sitting outside MCD and DDA 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 DDAinsists that legal heirs should write revocation deed in favour of one to whom they wishproperty to go. This is in case where all legal heirs agree to give property to agreedperson say mother.

If there is disagreement between legal heirs, only course is to approach local court forsuccession certificate, which will indicate how property will be distributed among legal heirs.[* | In-line.WMF For this, one has to apply to Court. Thereafter, Court issues notice to alllegal heirs and also gets one legal notice in leading local newspaper printed for filing ofobjections. After matter is decided, Legal Heir Certificate on stamp paper of 2.5% of valueof property is issued. If the total property is worth one crore, stamp duty shall be 2.5lakhs. plus advocate fee and delay of five years. 22. MUTATION OF POWER OF ATTORNEY PROPERTY

If property (flat) on leasehold on power of attorney, get property mutated in yourname in DDA by paying stamp duty and registering same. It is advisable to get propertyregistered in female name because Stamp Duty is only 4% while in other case it is 6%. Allproperties purchased on Power of Attorney are not properties of POA holder in legal sensethough fac t o f phys ica l possess ion wi th other documents are in h is favour.


Many people are reluctant to get the leasehold property converted into free-holdbecause they feel that it is not necessary since they are in physical possession of flat, havepower of attorney and registered Will in their favour. Little do they realise that power ofattorney lapses with the death of the person who issued same. Secondly, registered Willcomes into force on the death of the person and one will never know when and wherewriter of Will dies and chances of getting the death certificate are remote. Also, DDAinsists that in case of registered Will in favour of someone other than legal heir, noobjection affidavit be brought from legal such circumstances, it is doubtful if any legal heirwill give ‘No Objection’ to POA holder.

The cost of converting the lease hold property to free-hold goes on increasing withthe increase in land prices. Hence the necessity of converting leasehold into freehold atthe 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 thebeneficiaries. Everyone including rich want free money. Original WILL and registrationpapers of properties can be kept in bank locker. Never keep any original document inOffice. 24. NOTHING PASSES TO SPOUSE AUTOMATICALLY

Most believe that on their demise, property – flat/house/money/shares shallautomatically pass on to their spouse. There is no such provision in any law. Propertypasses to legal heirs only and spouse gets a portion depending upon the number oflegal heirs. If husband and wife have same or different properties both must writeseparate 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”. ANomination does not lay down a separate Law of Succession. A nominee does not becomeowner of the property after the death of nominator. A nominee’s name will come on ShareCertificate 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 thecontents of a Will and those of Nomination, a Will contents prevail, as Nomination does notgive any succession rights.

In case one wishes nominee gets legal title over property, one should write Will infavour 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 PROPERTYTO RELATIVES

Reply is emphatic ‘No’ because one may lose the total property and left in lurch onroad. 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 ASHELD IN RAM CHAND GANESH DAS VS. SARDARA SINGH (AIR 1962 PUNJAB 382) AND JAGDISHCHANDER TRIKHA VS. PUNJAB NATIONAL BANK AIR 1998 DELHI PAGE 275-276, IT IS NOTNECESSARY TO GET REGISTERED WILL PROBATED IN DELHI . However, in case some onechallenges the WILL, it may become necessary to get WILL probated. The stamp fee forgetting WILL probated is 2.5 per cent of the total property involved in WILL and lawyer fee.

Practical consideration demand that when property owner is no more, the name ofdeceased is withdrawn and substituted by legal heirs [* | In-oon as death certificate isreceived to prevent complications arising from long list of relatives and heirs who tend tosurface from nowhere in any investment instrument. If property is on lease, tenant beinformed of death alongwith death certificate with the request to draw new lease deed infavour of legal heirs.

If one is beneficiary of WILL, please read the contents of WILL and act according to thedictates of WILL. 28. RESIDUARY CLAUSE

By a Will one can bequeath one’s property, present as well as future. A ResiduaryClause(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 – MOVABLEAND IMMOVABLE WHATSOEVER AND WHERESOEVER – NOT OTHERWISE DISPOSED OF

BY THIS WILL AND ANY SUCH MOVABLE AND IMMOVABLE PROPERTY PURCHASED INFUTURE 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 WILLis special keeping in view relationship in each family before and after death. [* | In-line.WMFRemember 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 HASPROPERTY AND MONEY IN HER FAVOUR.

31. PREPARE AN ASSET REGISTER OF SELF AND SPOUSE

The register should have 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. Alsomention names of near relatives/friends who will help spouse (widow) for getting

32. Please do not part with your original / photocopies of WILL and any propertydocuments in any circumstances because hostile person can destroy same. Originaldocuments 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.

LEARN TO SAY ‘NO’

N. AHUJAMA.,LLB, P.G.Dip (Manchester), AIPM ( London)

Management Consultant & Advocate

Mobile / 9312234825


TAXATION OF SENIOR CITIZENSSenior Citizen - Meaning of

An individual who has attained the age of 65 years at any time during the previous year is

called a ‘senior citizen’. Senior citizens have been given certain special concessions under the

Income-tax Law. Major provisions relating to them are discussed hereunder:

Liability to Pay Tax

A senior citizen having total income exceeding Rs. 2,40,000 ( AY 2010-11 onwards)

* Please note for AY 2009-10 Rs 2,25,000 is the limit.

The new rates of income-tax on total income in such cases are to be as under–

Up to Rs. 2,40,000 Nil

Rs. 2,40,001 to 3,00,000 = 10 per cent.

Rs. 3,00,001 to 5,00,000 = 20 per cent.

Above Rs. 5,00,000 = 30 per cent

For A.Y. 2010-11, no surcharge is payable by senior citizens.

** However, for A.Y. 2009-10, senior citizens shall be liable to pay surcharge on net income-tax

payable @ 10%, if their total income exceeds Rs. 10,00,000.

Education Cess @ 2% and Secondary & Higher Education Cess @ 1% of income-tax , are payable.

Tax Planning Hints for Senior Citizens

On Gross Total Income of Rs. 3,60,000 -Senior Citizens Pay No Tax.

The following illustration depicts how a senior citizen having total income of Rs. 3,60,000 for

A.Y. 2010-1 1 ,will not be required to pay any tax;

Gross Total Income Rs. 3,60,000

Less :Deduction u/s 80C, 80CCC and 80CCD Rs. 1 ,00,000

(subject to a maximum of Rs. 1 ,00,000)

Less :Deduction u/s 80 D Rs. 20,000

(subject to a maximum of Rs. 20,000)

Taxable Income Rs 2,40OOO

Tax Payable ----NIL----


On Aggregate Income of Rs. 3, 90,000- Senior Citizens Pay No Tax

The following illustration depicts how a senior citizen having income of Rs. 3,90,000 for A.Y.

2010-11, and living in a house/flat acquired by him with borrowed funds will be required to pay no tax.

Net Income from Business/Profession/HouseProperty/CapitalGain/Income from other sources etc.

Rs. 3,90,000

Income from House Property (self occupied)

u/s 23(2)(a)(I) Nil

Less :

Interest on housing loan Rs 30000

Net loss from house property (-} Rs. 30,000

(-) Rs. 30,000

Gross Total Income Rs.3,60,000

Less :

Deductions under

- 80C, 80CCC and 80CCD

- 80D for medical insurance Rs, 20,000

Net Taxable Income Rs. 2,40,000

Tax Payable on Rs. 2,40,000 . Nil

Incomes Liable to Tax

The taxable income of a person includes all incomes received, accrued or earned by him

during the previous year.[except the incomes exempt from I. Tax]

Permissible Deductions1

2. Deduction in respect of life insurance premia, P.F., repayment of housing loans etc, up to a

maximum of Rs. 1,00,000. [80C]*

3. Deduction for contribution to LIC’s Jeevan Suraksha / pension fund of other insurance companies

upto a maximum of Rs. 1,00,000. [Sec. 80CCC]*

4. Deduction for contribution to Pension Scheme of Central Government (i.e.New Pension Scheme)]

[Sec. 80CCD]1

5. Deduction in respect of Medical insurance premium for self, spouse and dependent children up

to a maximum of Rs. 20,000.3From A.Y. 2009-10, an additional deduction shall be allowable in

respect of medical insurance premium for parent(s) upto a maximum of Rs.20.000.3

[Sec. 80D]


6. Deduction for medical treatment, etc. and deposit for maintenance of handicapped dependents,

for Rs. 50,000 (Rs. 1,00,000" [Rs. 75,000 for A.Y. 2009-10] in case of severe disability).

{Sec. 80DD}

7. Deduction for expenditure on treatment for specified diseases for himself or a dependent, up to

a maximum of Rs. 60,0005. [Sec. 80DDB]

Note :

• The aggregate deduction u/s 80C, 80CCC and 80CCD shall not exceed Rs. 1,00,000.

• Vide Finance (No. 2) Act, 2009, w.e.f. 1.4.2009 i.e. A.Y. 2009-10. Prior to that the deduction

was available only to salaried individuals.

• Deduction is available for maximum Rs. 15,000 in case the person insured is below 65

years.Vide Finance (No. 2} Act, 2009, w.e.f. 1.4.2010 i.e. A.Y. 2010-11.

• Deduction is available for maximum Rs. 40,000, in case of persons below 65 years.

• Deduction for donations [Sec, 80G]

• Deduction for rent [Sec. 80GG]

• Deduction in respect of disabled persons for Rs. 50,000 (Rs. 1,00,000' [Ps. 75,000 forA.Y.

2009-10] in case of severe disability). { Sec. 80 U }

Rate of Tax

For Resident Individual/HUF

Up to Rs. 1,60,000 Nil

Rs. 1,60,001 to 3,00,000 = 10 per cent.

Rs. 3,00,001 to 5,00,000 = 20 per cent.

Above Rs. 5,00,000 = 30 per cent.

For women:

In the case of every individual, being a woman resident in India, and below the age of sixty-

five years at any time during the previous year, the exemption limit is raised to Rs.1,90,000. The

new rates of income-tax on total income in such cases are proposed are as as under–

Up to Rs. 1,90,000 = Nil

Rs. 1,90,001 to 3,00,000 = 10 per cent.

Rs. 3,00,001 to 5,00,000 = 20 per cent.


Above Rs. 5,00,000 = 30 per cent.

Others Provisions:

1. Fringe Benefit Tax is abolished from FY 2009-10 and installment paid for the first quarter ended

June 30, 2009 may be adjusted as advance income tax.

2. Commodity Transaction Tax (CTT) to be abolished from 01.04.2009.

3. Wealth tax exemption limit increased to Rs. 30 lacs from existing limit of Rs. 15 lacs.

4. Advance tax-limit enhanced from Rs. 5,000 to Rs. 10,000

5. Every document, notice, order, letter or any other correspondence issued or received by the

Income Tax Authority on or after 01.10.2010 shall bear a computer generated document identification

no. without which it will be treated as invalid.

6. New Pension Scheme (NPS):

a) Any income of New Pension System Trust is exempt from tax

b) Dividend paid to NPS Trust is exempt from dividend distribution tax u/s 11 SO

c) All purchases and sale of equity and derivates by NPS Trust shall be exempted from

STT.

d) The tax benefit under section 80CCD was hitherto available to “employees” only. Therefore,

sub-section (1] of section 80CCD has been amended so as to extend the tax benefit

there under also to “self-employed” individuals

7. Surcharge has been eliminated for all type of assessees other than corporate assessees. But

education cess will remain the same as per last year,

As FBT is abolished, the following perquisites are now taxable in the hands of employee:

a) Value of any specified security (ESOP) or sweat equity shares allotted to employees.

b) Contribution to approved superannuation fund by employer in excess of Rs. 100000/-

c) Any other fringe benefit or amenity as may be prescribed.

Limit for disallowances of cash expenditure u/s 40A (3A) has been increased from Rs. 20000

to Rs. 35000 in case of payment to transporters only w.e.f. 01.10.2009

VRS exemption under section 10 (10C) will not be applicable if a person has claimed relief

under section 89


Incomes that are not taxed in India

1. Agricultural income : Any income which you receive as income from any agricultural activity

is deemed as not included in total income. If your father is into agriculture and he gives you a part of

the income as a gift, then you don’t need to pay tax on it, provided, your father files his tax returns.

2. Income for being partner in a firm : If you receive any income for being a partner of a firm

which has already been assessed separately, then the income need not be included in total income.

Thus any share in the profits that you have in a firm according to the partnership deed is not taxable.

3. Travel concession/assistance : Any monies that you receive from your company for the purpose

of travel to any place in India along with your family for the purpose of leave. The claim can be made

two times in a bucket of 4 years.

Family includes wife and children and also parents, brothers or sisters if they are dependent on

you. The only check being that you have to maintain original bills to prove travel if the income tax

department asks for it.

4. Rs 5,000 : An amount of up to Rs 5,000 which you receive for any reason — other than as prize

money and is not a recurring amount — can be excluded from your total income. It seems to be a

very small amount, but sometimes this could be the difference between being in a higher slab and a

lower slab.

5. Retirement/death gratuity : Any payment received under a pension or death-cum-retirement

gratuity scheme by an individual or his widow, children or dependents.

The gratuity should not be more than the number of years in service multiplied by half month’s

salary based on a ten-month average. For example, if the average salary for the previous ten months

prior to receiving gratuity is 10,000 and years in service is 15, then 15x5,000=75,000 will be not

included in total income.

6. Leave salary : Any cash amount received as compensation for earned leave which is encashed

at the time of retirement. (This applies only to employees of central/state government).

For employees other than government employees, the leave salary can be encashed up to a

limit of ten months worth of earned leave. It also specifies that the entitlement to earned leave should

not exceed 30 days for each year of service.

For example, if you have 76 days of earned leave and total years of service is two years, then,

only the cash equivalent of 60 days of earned leave is not added to income.

7. Retrenchment : Any compensation received by a workman due to the closure of his company


or change in the management of the company if new terms are less favourable than what was

previously applicable.

8. Voluntary retirement : Any amount up to a maximum of Rs 500,000 paid at the time of voluntary

retirement in accordance with and scheme of voluntary retirement of the company. But, the company

paying the VRS should have a framework for VRS as prescribed by the government.

9. Life insurance policy : Any amount received as benefit from a life insurance policy, including

bonus payment, is not included in total income. The only exception is the amounts paid as part of

keyman policies.

10. Provident Fund : All payment which is received from a provident fund to which the PF Act

applies or any PF fund of the government is not included in total income.

11. Superannuation : Any payment made from a superannuation fund on the death of the beneficiary

or as a refund of contributions or if the employee becomes incapacitated before retirement.

12. Payment of rent : Any allowance paid by an employer to an employee to meet expenditure

actually incurred on the payment of rent for accommodation. But this is not allowed if the house is

owned by the employee or he has not incurred the rental.

13. Income from government securities : Any earnings from interest, premium on redemption or

other payment on securities, bonds, annuity certificates, savings certificates and other instruments

issued by the central government and also deposits taken by the central government.

In case of Non-Residents, if the bond have come to you by virtue of being a nominee or survivor of the

Non-Resident, or if the bonds have been gifted to you by an NRI — who purchased the instrument in

foreign exchange and if the principal and interest will not be taken out of India by the recipient of the

gift, the amounts will not be added to income.

14. Scholarships for education are not included in total income.

15. Awards and rewards : All payments receive in cash or kind as an award given by the central or

state governments or by a body recognised by the central government to give such awards, will not

be included in the total income.

16. Relief funds : Any amounts which are received by an individual as part of the Prime Minister’s

National Relief Fund or the promotion of folk art fund or students fund or foundation for communal

harmony will be treated as not included in income.

17. The dividend income from Mutual Funds is NOT taxable at the hands of investor.


Proposed Direct Tax Code Discussion PaperAn anti Sr Citizen & anti pensioners document

While appreciating the principles laid down in Paras 3..2; 3.4; 3.5 and 4.1 of Discussion Paper

We, the Senior Citizens & Pensioners of India would like to bring out the followings for the

personal consideration of honourable Finance Minister :

1. In our country, Income of Senior Citizens & pensioners gets reduced day by day due to

deteriorating interest rates and unbearable price rise for food items and medical facilities due to which

,many a time their consumption is more than the income. As compared to younger citizens They can

not enjoy to the same extent, the Public Goods and Services provided by Government for citizens

(Para 4.1 of Discussion Paper) due to immobility and many other factors. Their ability to pay Tax (

Para 3.2) gets reduced year to year after retirement due to less income, more expenditure on food &

medicines. Their Net Worth ( Para 3.4) gets reduced considerably as compared with the beginning of

the year and goes on reducing year by year. There are many other factors, which also require to be

considered .All Senior Citizens should be completely exempted from paying Income Tax. They have

paid a lot of Tax for 30-40 years during their earning period and have worked hard for achieving

Independence as well as present Economic Growth.. Still if complete exemption can not be allowed,

exemption up to 5 lakhs instead of only 2.40 may be allowed.

2. As per Para 12.4 of Discussion Paper, some incentives have been given for savings with the

hope that people will be encouraged to save. In view of EET proposal and permitting the savings in

only 4 Savings Intermediaries, how it is expected that any Sr citizen at the fag end of life would like

to invest willingly? All contributions in all kinds of P.F. will also be taxed at the time of withdrawal.

Keeping savings in P.F. till retirement is otherwise also compulsory, as they have no other alternative.

Now keeping Retirement benefit in specified instruments to save tax will be a big burden on retiring

person (due to EET), who has to use his savings for marriage of daughters, education of children,

acquisition of house or for medical treatment etc. EET and restriction of 4 Saving Intermediaries shall

kill the incentive to savings and they may find paying tax in the current year to be more beneficial

than paying it at the time of their need in future years. People will try their best to show less income

and hoard money instead saving for productive progress of the Country. Senior Citizens, whose income

is getting reduced from year to year due to reduction in rates of interest, prevailing and expected rate

of rise in cost of living and medical treatment, will be at a very great disadvantage by EET rule. Though,

limit of savings is proposed to be increased to 3 lakhs, Senior Citizens will be discouraged to save

anything due to EET and only 4 saving intermediaries ,thus will loose present incentive of getting

rebate for saving of Rs 1 lakh and will have to pay more . Keeping in view their deteriorating financial

and physical condition from year to year , their capability to pay tax and to ensure that their Net Worth

does not get reduced, as provided in Paras 3.2 and 3.4 of Discussion Paper, EET may not be applied

to Senior Citizens.

Senior Citizens need medical treatment as a natural consequence to ageing and travel for

pilgrimage or for social obligations and as such, they should be exempted from tax on such

facilities, keeping in view their reduced financial capacity.


3. As per Para 7.3 of Discussion Paper, some deductions are allowed to serving employees from their

income. In absence of any employment and utilization of Senior Citizens by Government, it is necessary

for Senior Citizens to go somewhere or other compulsorily to pass their time usefully like going to

temples, associations, pilgrimage, doctors, hospitals etc. They should also be given some annual

allowance.

4.As per Para 7.7 of discussion paper Under the Code, the salary will now include,inter-alia, the following:-

a..The value of Rent free or concessional accommodation:-7.7(a) The value of rent free, or concessional, accommodation providedby the employer Irrespective of whether the employer is a Government orany other person :- Besides helping the employee , provision ofconcessional accommodation is in the interest of the establishmentbeing served by such an employee, as he/she when resides in thevicinity of work place , is able to lend more time & concentration towork and is always at the back & call of the employer. More so it iscounted against his/her pay package , such employees loose HRA. Inseveral essential categories of employment (as in Railways ) employeesare normally compelled to live in inferior & poorly maintainedofficial accommodation. Thus taxing such a facility will not be fare,will cause wide spread discontentment affecting efficiency

b)The worth of any leave travel concession;7.7 (b) The free or concessional travel is one of the serviceconditions in Railways ,Air lines & the Army .During the service periodmost of the employees due to official & domestic responsibilities areunable to make full use of the facility .After retirement when anemployee finds time for seeing the country/pilgrimage or visiting near& dear ones in distant places this facility is reduced to less than thehalf .Taxing even this reduced facility which is part of servicecondition will be against the social structure of the country & willdeprive middle class elderly pensioners of the opportunity ofpilgrimage, meeting relatives & seeing their beautiful country withdiverse culture .It will be a rude blow to poor pensioners & should notbe resorted to .

7.7(c) The amount received on encashment of unavailed earned leave onretirement or otherwise:-Earned leave remain unavailed due to (1.) Employee is not spared onleave by the employer due to the exigencies of services.

(2).Near retirement employee sacrifices the privilege to save leavefor encashment as a part of retirement planning to fulfill socialobligations like children education, daughter’s marriage , acquisitionof a residence for self & dependents, which should in fact beencouraged in asocialistic State. Taxing it will not be fare & cause resentment. Whichwill reflect in work culture.


(d) Medical reimbursement; and

(e) The value of free or concessional medical treatment paid for, or provided by, the employer.:-

7.7 (d) & (e) As has been ruled by the Honourable Supreme Court also. Medical attendance

& Treatment from the employer is a fundamental right of present & past employee .Moreover,

beneficiaries of RELHS,CGHS & ECHS have already paid life time contribution to the government .

Senior Citizens need more medical attendance & treatment as a natural consequence to ageing

which is beyond their control .Taxing this Fundamental right of elderly at the fag end of their lives will

be against social justice & the concept of the constitution, besides it will make a big hole in the

pocket of already over stressed (due spiraling prices) middle class Pensioner who will hardly be able

to bear it , will brew discontent & anti govt. feelings.

5. Para 12.13 provides rebate up to Rs 60000 for treatment for prescribed diseases. Prescribed

diseases are not mentioned in Code or Discussion Paper. This may be done. As all Senior Citizens

are suffering from some ailment or other due to ageing, this provision should apply to all medical

expenses of Sr citizen and not restricted to prescribed diseases only. As medical treatment is very

costly, this limit of 60000 should separately apply to self and dependent spouse. As ailments due to

ageing is beyond control of Senior Citizens, this is a disability and provisions of Para 12.14 as

handicapped may also be applied to Senior Citizens.

6. Para 12.18 gives rebate to self employed persons for rent in excess of 10%. Similar rebate

may be given to Senior Citizens staying in rented houses.

7. Sec 67 of the Code allows deduction for fees of 2 children. There are certain families in which

children are not earning much and depend upon their better placed parents. In such cases, if any

Senior Citizens pay such fees for 2 grand children, they should be allowed this deduction. Similar

deduction for payment of Insurance Premium in Sec 69(3) by Senior Citizens for their children or

grand children may also be allowed to them.

8. Sec 200 of the Code makes it compulsory for deduction of Tax at source above Rs 10000

from one source.As major source of income of sr citizens after retirement is from interest on their life’s

savings,they will be worst affected by this section It will be difficult & cumbersome for Senior Citizens

due to their old age ailments & lack of support , to obtain certificate for exemption from Assessment

Officer every year. The provision will encourage illegal Suvidha Tax . Present practice or similar

practice as Form 15 H etc may be continued for Senior Citizens.

Above factors need to be considered sympathetically to take proper care of Elders.

Courtesy :

Sh M.V.Ruparelia

and

S.C.Maheshwari


Sairam 2 You All.

At the out set, I welcome you all to know a few facts about the POSTAL OFFICERS’PENSIONERS’ ASSOCIATION functioning in A.P. HYDERABAD besides conveying my profound thanksto the Managing Committee of RREWA, Gurgaon through Er. S.C.Maheswari for giving us anopportunity to associate with all of you. It is really a wonderful boon and an opportunity given to thePensioners’ Associations at large as a Welfare Measure of Good Will shown to the Pensioners’ Familyby the Board of RREWA. Thanx.

The POPA was established in the year 1994 and also had the distinction of Member, SCOVAduring the year 2001 for a term headed by Shri K. Mallikarjunarao as Secretary and Shri S. Ramaraoas its President. Late Shri C.Poornachandrarao was the founder Treasurer. Shri M. Chandramowli isnow its Secretary in place of Shri K. Mallikarjunarao who is now the Secretary in Bharat PensionersSamaj, New Delhi from 2009. Shri K.S.Nageswararao took over as Treasurer from Shri C.Gangadharamsimultaneously in 2009.

By becoming a Life Member of RREWA.Org., the Secretary POPA has utilised full opportunityto make use of the web site by uploading not only burning problems of the Central GovernmentPensioners as a whole but also in highlighting the salient features of Permanent Lok Adalat for PublicUtility Services functioning in Hyderabad District on the pattern of Alternative Disputes Resolution(ADR) methods wherein the provisions of Indian Evidence Act or Code of Criminal Procedure will notcome into discussion and also the presence of Lawyers is also not there with a simplified formalapplication having no Court Fees to Pay.

Many of the Issues relating to Pensioners were discussed with Er.S.C.Maheswari by exchangingeMails with many of the Pensioners in finding out correct solutions ascertaining the views of as manyas members of Pensioners’ Associations functioning across the Country and also by posting thePensioners in and around the Globe with latest information on 6th CPC matters, CGHS facilities andother Welfare Measures extended by the Govt. of India. One problem of Vaccumeoccurred in the recent non-supply of Local Purchase Medicines in the absence of Approved Chemist atPostal Dispensary at Visakhapatnam was flashed to Er.S.C.Maheswari and he in turn immediatelyposted the info to Pension Ministry and there after solving the problem in a few days time. Similarly somany grievances engaging the minds of Pensioners were also highlighted through NewsLetter andWhat’s News columns of www.rrewa.org Once again kudos to Er.S.C.Maheswari and his Team. ShriV.K.Dorairaj from California USA and many other Pensioners from India have also appreciated for theFLOW of INFO made available through this site. It is definitely a Knowledge Bank having so manylinks provided. Wishing Every Success for its continued ZEAL towards Pensioners.

(Samastha Lokah Sukhinobhavanthu - Aum Shanthi, Shanthi, Shanthihi - Jai Shri SairaE-mail – [email protected] Cell No. 94410 72434 Land Line 040 - 27535315)

CHANDRA MOWLI MULLAPUDI

• Dak Sewa Awardee – 1991 as ASP• Retd. Supdt. Of Post Offices – 2005• Organising Secretary – POPA – Hyderabad 2006• Member, Permanent Lok Adalat for Public Utiity Services, Hyderabad District – 2006• Life Member – www.rrewa.org 2006• Secretary, POPA, Hyderabad 2009

LOVE ALL – SERVE ALLHELP EVER – HURT NEVER

PURITY THROUGH UNITY ACHIEVES DIVINITY


All India Retired Railway Men’s Federation( ACCOUNTS ) JALANDHAR

K.D. Sharma, Genl. Secy.

Achievements and Activities of the Federation during the last year

1. The All India Retired Railway men’s Federation (Accounts), Jalandhar is working on theprincipals of SELFLESS SERVICE i.e. NISHKAM SEWA irrespective of the statues of post anddepartment from which the pensioners retired.

2. During the last year there as much as 24 cases which were suffering delay in the finalization.Out of which 21 cases were got settled by dint of sincere efforts of the Federation and for theremaining 3 cases, efforts are already a foot vigorously and hope to be settled within near future. It isworth mentioning here that total payments of Rs. 4,16,1327- were arranged to the pensioners as aresult of vigorous chase up by the Federation, out of 21 cases got settled,8 cases pertain to widowpensioners.

3. The following burning demands passed by the Federation were sent to the Hon’ble PrimeMinister of India Sh Manmohan Singh & Sh Lalu Parsad Yadav the then Minister of Railways foracceptance :-

a. Granting facility of traveling of companion in the same class to which the RailwayPensioners are entitled.

b. Increase all Pensions to 3 times of pension prevailing as on 1-1-1996.c. Grant parity with one CPC below (5th CPC) pension.d. Implement 6th CPC wef 1.1.2006 for all pensioners.e. Grant full pension benefit with 20 years of service in respect of those who retired before

2.9.2008 also.f. Medical allowance @ Rs. 500/-per month.g. Restoration of commuted pension after 12 years instead of 15 years.h. Tax Free Pension. i.e Additional Pension.

(I) At the age of 65 years = 10%(II) 70 years = 20%(III) 75 years = 30%(IV) 80 years = 40%(V) 85 years = 50%(VI) 90 years = 60%(VII) 95 years = 80%(VIII) 100 years = 100%

j. Minimum Ex-Gratia @ Rs.3500/-per month.k. Representative of Pensioners in the parliament / Rajya Sabha. Sd/

K.D.SharmaGenl.Secretary


GOLDEN THOUGHTS

1. DUTY MAKES US TO DO THINGS WELL, BUT LOVE MAKES THEM TO DO BEAUTIFULLY.

2. THE BEST WAY TO MAKE YOUR DREAMS COME TRUE IS TO WAKE.

3. KNOWLEDGE IS KNOWING FACT,WISDOM IS KNOWING WHAT TO DO WITH THIS FACT.

4. MISTAKES ARE MARELY A MEANS TO KNOW US WISE TODAY THEN WE WERE YESTERDAY.

5. SUCCESS IS NOT MEASURED BY THE HEIGHTS ONE ATTAINS BUT BY THE OBSTACLES THAT

WERE OVERCOME IN THEIR ATTAINMENT.

6. SOW AN ACT AND YOU REAP A HABBIT; SOW A HABBIT,YOU REAP A CHARACTER; SOW A

CHARACTER,YOU REAP A DESTINY.

7. TO GET PROFIT WITHOUT RISK, EXPERIENCE WITHOUT DANGER,AND REWARDS WITHOUT HARD

WORK IS IMPOSSIBLE, AS IT IS TO LIVE WITHOUT BEING BORN.

8. THE DANGER OF THE PAST WAS THAT MAN BECAME SLAVES,THE DANGER FOR THE FUTURE IS

THAT MAN BECOME ROBOTS.

9. A SPECIALIST IS ONE WHO KNOWS EVERYTHING ABOUT SOMETHING AND NOTHING ABOUT

ANYTHING ELSE.

10. COUNT YOUR AGE BY YEARS,NOT BY TEARS.

11. BE MORE CONCERNED WITH YOUR CHARACTER THAN YOUR REPUTATION,YOUR CHARACTER IS

WHAT YOU ARE,YOUR REPUTATION IS MARELY WHAT OTHERS THINK YOU ARE.

12. PRAY AS IF EVERYTHING DEPENDS ON GOD AND WORK AS IF EVERYTHING DEPENDS ON YOU.

13. THE KNOWLEDGE OF WORDS IS THE GATE OF SCHOLARSHIP.

14. SELFLESS SERVICE IS A KEY WITH WHICH THE GATES TO GREATNESS CAN BE OPENED.

15. RIVER IS THE SYMBOL OF FLOWING GENEROSITY.

16. NO GREAT MAN EVER COMPLAINS OF WANTS OF OPPORTUNITY.

17. WHAT IS MIND,NO MATTER; WHAT IS MATTER,NEVER MIND.

18. IT IS BETTER TO BE BEAUTIFUL THAN TO BE GOOD.IT IS BETTER TO BE GOOD THAN TO

BE UGLY.

19. YOUR FATHER KNOWS WHAT YOU NEED BEFORE YOU ASK HIM.

20. HATRED LEADS TO DESTRUCTION.

21. ADVERSITY INTRODUCES A MAN TO HIMSELF.

22. LET US FEAR GOD AND WE SHALL SEE TO FEAR MAN.

23. IT IS SWEET AND GLORIOUS TO LIVE AND DIE FOR ONE’S COUNTRY.

Compiled by

C.L. SATIJA

PRESIDENT RREWA

SRI GANGA NAGAR (RAJ.)


Philosophy Of Life.

What is Life? Life is nothing but series of experiences to each one of us. On the basis ofour experiences, we form habits, thinking process and our perceptions. We see the world as perour perceptions. As we see, so is our world to us. “Dristi aisee Shrusti“(Put in Devnagri instead ofEnglish, if possible-all quotes below also). As experiences are different to different persons,their perceptions are different and they see things and world differently! After retirement, sayafter 60 or so, one should be able to understand and realize this process of experiences, habitsand perceptions clearly. As our perceptions are based on experiences, which we got in the thenprevailing circumstances, we should be able to change/modify our perceptions with efforts,looking to the present circumstances, which are definitely different than those prevailingearlier. Every thing and any thing is not “THIS“ or “THAT“ (Neti-Neti) but it is as you believe andaccept and for you and not for others! This maturity of thoughts and understanding ofperceptions should make us analyze and accept all situations and people, as they are and weshould not feel bad about anything or anybody’s bad behavior with us! This philosophyof understanding shall keep us happy and we shall lead life peacefully and usefully.

It is only the Individual on whom depends his happiness or unhappiness and how hewants to live. We have to help ourselves! Our Scriptures also say-

“ Udharet Atmanatmanam Natmanam Avsadyet, Atmaiv Hi Atmno Bandhuh Atmaiv Ripuh Atmanah“

It is we, who have to help ourselves for our welfare, we are our friend and we are ourenemy. It depends on us as to what we want and it is we only who can achieve, what we want.

Who are we? What is this Atma? Have you seen It? Can you see It? Can you see who youare? Can you see God? All these questions remain unanswered for Universal Acceptance. Whetheryou believe in God or not, the fact remains that some thing is there, which runs the Universe.Sankaracharya‘s contention for Self/Atma is worth contemplating, which can be applied to Self,Atma and God also.

Aham Nirvikalpo Nirakar Rupo, Vibhu Vyapta Sarvatra Sarvendriyam,Sada Me Samatvam Na Muktih Na Bandhanh, Chidanand Rupo Shivo Aham Shivo Aham.

We all- our Atma, Our God- are unique as well as same, without any physical structurebut pervading the whole World & Omnipresent every where and in every one and every thing, wemust see equality every where and in every one and everything! Once you accept every livingbeing as same as your self, there will be no problem! This is the secret of philosophy of life andwho so ever accepts and follows this remains eternally happy.


As regards, material happiness, God/Nature has created every thing in this World for

all and in plenty. Every one must enjoy all things with a spirit that it is God’s Gift (Prasad ) to us

and not try to be greedy and acquire in more than required quantity by depriving others of their

portion. Our Scriptures say-

Sarva Khalu Idam Brahma Na Ih Nanasti Kinchan,

Ishavasyam Idam Sarvam Yet Kinch Jagatyam Jagat,

Ten Tyakten Bhunjitha Ma Grudhah Kasya Swid Dhanam.

Next to wealth is Social Interaction, very much necessary for Senior Citizens. We need

not interfere in day to day affairs of our children or others but surely we must give benefit of

our experience, knowledge, organizing capacity etc to our family as well as society. We must

stroke, when necessary, whether positive or negative, as the situation demands. Do not accept

any unjust thing lying down, point out to the doer, authority, write, represent relentlessly. Have

no inertia but speak up, as necessary. It is not necessary that we should get everything/

everybody changed by our stroking/action but our aim should be to do our Best in the arising

situations. You observe bad roads, bad treatment to others, lethargy in implementing good

orders etc, you must not sit tight doing nothing. We must take up various social issues properly

and promptly with proper authorities and get what best can be got done.

We must not stop developing ourselves and others and learn new things, adopt all latest

gadgets, as necessary and affordable for us and encourage others to do same. Instead of

brooding over the past, we must live in the present. Just as physical exercise is necessary for

maintaining good health, using our brain properly and usefully is necessary for our mental

health. We should try our Best to help others and do social work, keeping us usefully busy.

Every one of us has tremendous energy but most of us, we use hardly 10% or less. This

energy does not get reduced on ageing, as believed by some Senior Citizens, who prefer to

relax after retirement doing nothing useful for others. All of us must utilize our energy,

experience, organizing capacity etc with which we are blessed, for benefit of Society from

which we have taken lot of advantages, facilities etc. We must remember that we have we have

enough energy at present also and remember the principle- “Use it or loose it“. We must utilize

our energy, knowledge, experience, wealth and whatever, we have got, for helping others in

whatever way, we can.

M.V.Ruparelia.

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