ANAMOLY IS BEING ADDRESSED.

ANAMOLY  IS  BEING  ADDRESSED

One of the anamoly, that the Post 2006 JCOs are getting less pension than their counterparts discharged before 2006, was reported to MOD and CDA(P) Allahabad.  The reply received in this regard is published for the information of all concerned.

REGISTERED

No.Gts/Tech/167-I

O/O the PCDA(P)

Allahabad

Dated: 18.01.2011

To

Ex-Servicemen and Social Welfare Trust (EXWEL)

No.15G, Military Lines

Samathanapuram, Palayamkottai

Tirunelveli-627002.

Tamilnadu

Subject: Improvement in the pension of PBOR discharged from service on

or after 01st Jan 2006.

Reference: Your letter No.Exwel/253/2010 dated 25.11.2010.

-----*----*----

In this context it is intimated that the issue regarding bridging the gap between pre and post 2006 has already

been finalized by government. The Govt. order on this subject has already been issued vide MOD letter No.17(4)/08/(2)/D (Pen/Pol) dt.18.08.2010 (copy enclosed for ready reference). It is further added that the suo-moto Corr. PPO will be issued for affected cases. The software program for implementation of this Govt. letter is under preparation and required Corr. PPO will be issued as and when the program is developed.

Sd/ x xx x

(ALOK PATNI)

Sr.A.O.(P)

Copy to-

The Senior Record Officer

Officer in-Charge

MEG Record Office

Bangalore

Sd/- x x x

(ALOK PATNI)

Sr.A.O.(P

DATA BANK FORMS

DATA BANK FORMS

Every ESM/widows of Tamil Nadu who have not submitted Data Bank forms to Submit their Data Bank forms duly filled and signed to their dependent CSD Canteen with copy to OIC, ESM Helpline Centre, Fort St George, Chennai-09.  The format available and submission of this form is compulsory and for clarifications contact Capt M David (Tele 044-25675236) on all working days between 0900hrs to 1500 hrs.

IF YOU SINCERELY FILL UP THE FORM AND SEND, IT WILL BE VERY 

USEFUL FOR YOU AND YOUR FAMILY

IN SO MANY WAYS.

YOUR MOBILE NUMBER IS A MUST.

LAST DATE OF ECHS JOINING 30 NOV 2011.  HURRY UP FOR DETAILS CONTACT ECHS TOLL FREE.

To know your pension net entitlements, please forward your following details to OIC, ESM Helpline Centre, Fort St George, Chennai-09.

Pre-2006 (PPO Holders only)

     (a)  Date of birth.
     (b)  Date of retirement
     (c)  Rank and Group, Trade
     (d)  Qualifiying total service ___ yrs___months___     days.
     (e)  Disability percentage ie. life time or __ years.
     (f)   Invalidate also applicable
     (g)  Updated last month pension pass book xerox and
           PPO Xerox.

     After 2006 (PPO Holders only) 

     (a)   Rank, Group & Trade
     (b)   Date of birth
     (c)   Date of retirement
     (d)   Qualifying service (Total Service ____ yrs ___
            months___ days.
     (e)   Pay in pay band __________ (Last Basic pay)
     (f)    Classification ____________ (Class I/II/III/IV)
     (h)   Update last month pension pass book xerox and
            PPO xerox.

     Family pension (PPO Holders only)

     (a)  Rank , Group, Date of birth, Date of retirement,       
           Date of Death(Husband) Father, Spouse, Son etc.
     (b)  Died personal details (relationship) etc.
     (c)  Date of birth of relative claiming.
     (d)  Enhanced rate mentioned in PPO _____ Norma/
           Enhanced.
     (e)  Updated last month pension pass book xerox and
           xerox copy of PPO.

 A pension anomalies mela was conducted by HQ ATNK&K Area ESM Helpline Centre with effect from 11 Jul to 16 Jul 2011at Tirunelveli Dist composing of teams as under :-

ESM HELP LINE STAFFS       RECORDS MEG STAFFS     ASSOCIATION

                                                                      (EXWEL TRUST)

                                                                      Shri Natarajan

Hony Capt (Retd) M David      Sub P Rajendran              Shri Muthukrishnan

OIC,ESM Helpline Centre       MobNo-08792596131        Cell No.9894152959

Ex-Hav NS Sakthivel            Nk Senthil Kumar             Shri Kandaiah

                                     Nk Samual                     Cell No.9786449036
                          Nk E Siva Kumar

 Total number of cases attended and their results :-

Date	Place	Correct	Observation	Total
11-07-2011	Tirunelveli CSD canteen	49	08	57
12-07-2011	Radhapuram	07	04	11
13-07-2011	Keelamathapuram	16	29	45
14-07-2011	Tenkasi	27	35	62
15-07-2011	Srivilliputhur	41	45	86
16-07-2011	Tirunelveli CSD Canteen	55	25	80
	TOTAL FORMS	195	146	341

Note : ESM/Widows who are informed with some observation should inform ESM Helpline Centre in writing/through Tele No.044-25675236 within 20 days. 

VISIT  esmhelplinecentrechennai.blogspot.com 

BOOKS RELEASED BY EXWEL TRUST FOR EX-SERVICEMEN

"Pension Ungal Nanban" Released in 2003

ECHS Guide book in Tamil Released in 2004

"Therinthukollungal" A guide book on Defence Pension

.

The Educational books released by the Exwel Trust

The books released by the Exwel Trust are very useful.  The following books were released in the past.

“Pension Ungal Nanban” A guide book on Defence pension in Tamil Released in 2003.

A guide book on ECHS in Tamil.  Released in 2004.

“Therinthu Kollungal” A guide book on Defence pension in Tamil Released in 2011.

The Defence pension guide book in Tamil named “Therinthu Kollungal” has been sold throughout the length and breadth of Tamil Nadu.  The book is aimed to educate the pensioner on certain basic rules on pension.  A number of positive feed backs has been received from the readers.  This gives us encouragement for us to write many more books of this nature.

We are satisfied that at least an awareness has been created among the Defence pensioners on their right for a decent pension.

Those of you who have not yet purchased the book so far may please place order to the address given above.

Wish you all a happy retired life.

SUVIGYA SOFTWARE FOR DEFENCE PENSIONERS

SUVIGYA SOFTWARE FOR DEFENCE PENSIONERS

WILL THE BANKS ACCEPT THE PRINT OUT ?

The Suvigya Software developed by the Controller General of Defence Accounts, New Delhi will be very useful to the Pension Disbursing Agencies (Banks).  It is not understood why this software is not given to the PDAs so far.

At present the main problem of the PDA is to arrive at the correct rate of revised pension to a Defence Pensioner w.e.f. 01.01.2006 and w.e.f. 01.07.2009.  Once this is achieved with the help of this software, there will not be any problem for the banks to revise the pension and pay the arrears correctly.

Whatever may be the Government’s policy on the issue and distribution of this software to the Banks, but the banks may be instructed to accept the print out after verifying the details furnished by the pensioner to implement the correct revised pension as per the print out.  Since the software is developed by the CGDA, the banks should not raise any doubt except for the details of the pensioner fed into the system, which can be verified by the banks and accepted.

The acceptance of this software by banks, will be of great help to the pensioners and the banks.  Will the authorities take necessary steps to introduce this software in banks ?

RETIREMENT PLANNING

RETIREMENT PLANNING IS A MUST.

Planning for retirement and doing something about it is something that most youth and elders detest. For the youth there is no incentive to plan for something that will come up 35 years later. For the elders, the fear that they may not have enough money in their last phase of life prevents them for doing a deeper analysis and action after that.

Retirement Planning is not only about money

There is more to retirement planning than money. Some of the key things to be planned which actually make the planning more interesting is to consider:

1. How will you spend your time?
2. Places to visit
3. Tackling health related issues
4. Sharing the wealth created
5. And finally planning for income (of course)

In fact, most people just think of the last one without considering the first four. This leads to confusion and fear.

Tips for Retirement Planning

1. Plan Time: Many retired people are lost because they have not planned for the question "What next?" It is important to find some activity that will fill the 8 to 12 hours that one has spent at work. This is not only for the breadwinner but also for the homemaker. What will you do to manage a new person with whom you need to share 8 to 12 hours, suddenly?

• Think Social Activities: There are so many activities that one may have thought of doing to the society and not done due to want of time or due to other priorities. Post retirement one can take them all with a vengeance. This not only a time filler but also a very good way to keep the brain stimulated.
• Think Hobbies: Apart from filling time and keeping one mentally agile, hobbies also add to your skill sets. Taking up a new hobby and joining a hobby club is a great way to manage retired life.

2. Plan Travel: Except for the envied few who had great travel oriented jobs, most would have sacrificed their travel plans for their career. And don't grow too envious because those jet flyers on the job are also cribbing because they had to travel on such tight schedules that they hardly got to see anything worthwhile travelling on the job. Retirement is a wonder time to plan for all those missed countries and places to visit.

3. Plan Health: Health insurance is very handy when you are retired. But if this is planned on the brink of retirement not only is the cost too high, but diseases may already have set in. This means that the pre-existing diseases will not be paid for by the insurance for upto 4 years after taking the plan.

4. Write a Will: Writing a will to efficiently pass the wealth created to our loved ones is very important. However in India, this is a commonly absent practice. Even some of the richest persons in India have not taken up this practice (think Dhirubhai Ambani). This leads to costly and lengthy process of passing our hard earned wealth to our loved ones.

5. Plan Finances for Regular Income: Though this aspect alone can be written in whole books, the basic idea can be summed up with a few point:

• Do not to lock up funds in illiquid assets without cash flow - avoid buying a large house for you to stay and prefer a house from which you can get a rental income.
• Do not to give away wealth too soon - having cash does not mean that you can give it away to your sons and daughters and brothers and sisters or to a temple. Give it to them through your will so that they get your wealth, and at the same time, the money works for you when you are around.
•  
• Do not experiment — To experiment with retirement funds in the stock market and commodities or a new business post retirement is highly risky. You may not have the time or energy to earn the money lost (if lost).

Retirement Planning:

Retired life is supposed to be fun filled and peaceful. But today we find more old age destitute homes popping up than schools, indicating a trend towards lack of retirement planning. The above tips will help those in their prime of life and those near retirement to plan for a comfortable retired life.

KARGIL VIJAY DIWAS JULY 26

KARGIL VIJAY DIWAS APPEAL

Dear friends, 

July 26 is Kargil Vijay Diwas, the 12th anniversary of the Kargil conflict during which as many as 527 Indian military personnel were martyred and 1,363 severely wounded. Four Param Vir Chakras were awarded, two posthumously and nine Maha Vir Chakras were awarded, six posthumously besides 55 Vir Chakras.

Several households – both military and non-military ones – have appreciatively adopted the poignant ceremony of lighting candles at home in the past two years. 

You are requested to light a candle each at your residences' entrances and lay a marigold each by its side at 2000 hrs after saying a prayer for those who did not come back. This may additionally be done at offices. 

Jai Hind!

IMPORTANT ASPECTS OF DISABILITY PENSION

IMPORTANT ASPECTS OF DISABILITY PENSION

1, The entire disability pension is exempted from income Tax.

2. The disability pension is granted for the rank held by an individual at the time of onset of last attributable/aggravated disease/injury and not for the rank held by him at the time of his discharge from service in RMB cases. 

3. Like other pensions, merging of 50% DA as Dearness Pay + DA on total is admissible on disability pension also.

4. Disability pension normally consists of two elements:-

           

(i)                  Service element of disability pension and

(ii)                Disability element of disability pension.

5. Both disability and service elements (together) are entitled only when the individual is discharged whenever an individual is invalided out from service under the following clauses on completion of minimum 10 years of qualifying service and his disability pension claim is rejected then he is eligible for invalid Pension.  The minimum rate of Invalid Pension is Rs.3500/- pm + DA w.e.f. 01.01.2006 as per recommendation of 6^th CPC.

a.       On having been found medically unfit for further service in IAF.

b.      Being medically unfit for present trade and unwilling to re-muster to other trade.

6.For those individuals who are invalided out of service on medical grounds by an IMB and who fulfill the primary conditions for grant of disability pension as per Para 153 of Pension Regulations, their disability pension will consist of disability element as well as service element.  However those individuals who discharge before 15 years (Airmen)/ 20 years (NC(E)) of service but were not invalidated out of service on medical grounds, are not eligible for disability pension as per Para 153 of Pension Regulation, such individuals will not be entitled for service element of disability pension and will only get disability element of disability pension.

7. For those individuals who were initially given Service Pension./Invalid Pension and who subsequently become eligible for disability pension, they will not get only Disability Element of disability pension in addition to their SP/IP.

8. Personnel are entitled to get commuted portion of service pension / Invalid pension / Service Element / Disability Element.  However, this provision on disability element is available only if the disability is accepted first time for life and not through RAMB at a later date.

9. The deficiency in service for eligibility to Service Pension / Invalid Pension cannot be condoned if an individual is invalided (IMB case).

If you have been invalided out or have been discharged / superannuated with medical category lower than “Cat A4G1” then eligibility to disability pension concerns you.

You must take pains to understand as to what disability pension is and why and how it is given.  If the rule position is not clear in the mind of the individual then harping on an emotional issue does not help in getting disability pension.

It must be clearly understood that disability pension is not meant as a compensation for all disabilities acquired by an individual during his service career.  It is primarily meant as a  compensation for those disabilities only, which are attributable to or aggravated by military service.

Eligibility to Disability Pension purely depends upon specialist medical opinion of Initial Medical Board.  Therefore, the findings of COI/Injury Repot, in case of injury and the recommendations of IMB/RMB/RAMB in case of disease are very critical.

While travelling on leave (to and from) with FRW/CV, without FRW/CV, on Annual Leave or Casual Leave, if any injury is met during journey period (starting from duty station and reaching up to leave station and vice versa through main route) then the injury is attributable to service.  Any injury sustained at the leave station is not ® not attributable to service.  Any leave cannot be treated as ‘duty’.  The term ‘duty’ has been defined in detail in the “Entitlement Rules for Pensionary Awards to Defence personnel, 1982”.

Disability Pension is basically compensation to an individual for disability, which has been caused due to Military Service.  It is not compensation for all other kinds of disability. Which have no direct relation with Military Service.  As per the rules given in Pension Regulations a very fair decision is given on this matter by the concerned agencies.  Disability Pension primarily depends upon the specialist medical opinion of the released/invalid medical board.  Therefore, there is a need to understand the eligibility conditions of disability pension.  There is also a need to understand the importance of specialist medical opinion on this matter.  It is, therefore, important that the concept of disability pension is clearly understood by the defence personnel clearly.