Information
For |
 |
| Information About |
 |
Upon retirement from Government service, the Government offers
various retirement benefits to its employees as a measure of social
security for their old age. These include the following:
1.
Pension
2.
Gratuity
3.
Commutation of Pension (Optional)
Other dues which become payable upon retirement are:
-
Lumpsum due out of Savings Fund under CGEGIS
-
Leave Encashment
-
GPF balance
As
a would-be/existing pensioner you may like to know about:
a.Pension
b.Retirement/Death Gratuity
c. Commutation of pension
d.
Encashment of Earned Leave
e. GPF
2.
Family Pension
3.
New pension scheme
4.
Medical
Facilities
Note:
Information as on 10.01.0
The Office of JCCA Haryana is not responsible for any typing
errors on this page.
This page is maintained and updated by
CAO(IV) Shri
M.P Sharma
For more information on this subject you may visit
www.persmin.nic.in
Pension
is admissible to permanent employees who retire with a qualifying service
of not less than ten years. Temporary employees who retire on
superannuation or invalidation after rendering not less than ten years of
service or retire voluntarily after 20 years continuous service are also
eligible for pension.
In
case of the Government employees retiring on or after 1.4.2004, the
minimum amount of pension will be Rs. 1913 p.m. and maximum will be 50% of
the highest pay plus Dearness Pay in Government.
Amount
of pension is
related to the length of qualifying service and average of
‘emoluments’ (Basic Pay+ Dearness Pay+ Stagnation Increment + Non-practising
Allowance) drawn during ten months immediately preceding the date of
retirement. Full pension is admissible to an employee with qualifying
service of not less than thirty-three years. The amount of pension will be
50 % of the average emoluments and should not be less than 50% of the
minimum of the pay scale held at the time of retirement. Employees having
lesser qualifying service (but not less than ten years) will get pension
proportionate to the amount admissible for qualifying service of
thirty-three years, subject to a minimum of Rs. 1913 p.m.
Example:
Average
Emoluments = Rs. 12,975.
Qualifying
service =
32 years.
Pension
for 33 years of qualifying service:
50%
of (‘average emoluments’) Rs. 12,975 = Rs 6,487.50
Pension
for 32 years of qualifying service:
Rs.
6,487.50 x 32/33
= Rs. 6290.90 = 6291 p.m. (rounded off to the next higher rupee)
b.
Retirement/Death Gratuity:
(a)
Retirement Gratuity is admissible to all employees who retire after
completion of 5 years of qualifying service at the rate of ‘one-fourth
of emoluments for each completed six monthly period of qualifying service
subject to maximum of 16 1/2
times’ the emoluments’ or Rs. 3.50 lakh, whichever is less.
Emoluments for the purpose of gratuity means: basic pay, stagnation
increment, dearness pay, non-practising allowance and dearness allowance
on the date of cessation of service.
Example:
Qualifying service =
32 1/2 years or 65 six monthly periods.
Emoluments
= Rs. 18150
Gratuity
= 18150 x 1/4 x
65 = 294937.50 = Rs. 2,94,938 (rounded off)
(b) Death Gratuity is paid to the family of a Govt. servant who dies while in service, at the rates given below:
|
Length of qualifying service |
Rate of death gratuity |
|
(i)
Less than 1 year |
2
times of emoluments. |
|
(ii) one year or more but less than 5 years |
6 times of emoluments. |
|
(iii) 5 years or more but less than 20 years |
12 times of emoluments. |
|
(iv) 20 years or more |
Half of emoluments for every completed six-monthly period of
qualifying service subject to a maximum of 33 times of emoluments. |
Eligibility:-
Every pensioner is eligible to commute a portion of his monthly pension
for a lumpsum payment which is the commuted value of that portion of
pension. An employee or pensioner against whom departmental or judicial
proceedings are pending is not eligible to commute a portion of his
pension till completion of such proceedings.
Amount
admissible:-
Not exceeding 40% of monthly pension. Any fraction in the amount offered
for commutation will be ignored; e.g. if the monthly pension is Rs. 1913
then the maximum amount admissible for commutation is:
Rs. 1913 x 40/100 = 765.20 = Rs. 765 only.
Commutation
Amount
is
calculated w.r.t the Commutation factor taken from Commutation
Table as relevant to the age next
birthday.
The formula for working out the lumpsum payable is as follows.
Amount of pension offered for Commutation x 12 x Commutation
factor.
Example:
Amount of pension offered for Commutation = Rs. 765
Age next birthday
=
61 years
Commutation Factor
= 9.81
Lumpsum Payable = 765 x
12 x 9.81 = 90055.80 = Rs. 90,056 (rounded off)
The reduction in the amount of pension on commutation will
become operative from the date of receipt of the commuted value by the
pensioner, or at the end of three months after the issue of authority for
payment, whichever is earlier. The restoration of the commuted portion of
pension will be admissible on completion of 15 years, for which the
pensioner should apply to the pension disbursing authority i.e., Post
office / Bank in the
prescribed
proforma.
NOTE:
The Government of India, vide Ministry of Finance Notification F. No.
5/72003-ECB&PR dated 22.12.2003 promulgated the New
Pension Scheme which became operational with effect from 1.1.2004. The
scheme is applicable and mandatory for all new recruits to the Central
Government service (except the armed forces services at the first stage)
joining service on or after 1.1.2004.
Details
of the scheme are available here.
d. Encashment of Earned leave.
Lump sum cash equivalent of leave salary admissible for the number
of days of earned leave at the credit of the employee on the last day of
his service, subject to a maximum of 300 days including the number of days
for which encashment was availed along with LTC, is granted by the
authority competent to sanction leave. The amount of leave encashment
payable is worked out in the following manner.
Pay+DP+DA admissible on the date of
cessation of service x
No. of days of EL at credit
Example:
Date of Retirement = 31.10.2005
EL at credit
= 300 days
Basic Pay
= Rs. 10000
DP
= 50%
DA
= 21%
Lumpsum admissible = (10000+5000+3150)x300 =
Rs. 181500.
30
The amount standing to to the credit shall become payable when the
subscriber –
1. quits service;
2. is dismissed/removed from service;
3. proceeds on leave preparatory to retirement
4. retires from service/permitted to retire or declared by a
Competent Medical Authority to be unfit for further service.
GPF subscription is to be compulsorily discontinued during the last
3 months of service on superannuation.
f. Benefits payable under CGEGIS:
On retirement the employee will be paid as
per the Table of benefits –
(i) lumpsum due to his out of
the Savings Fund for entire period of membership in the lowest group; and
(ii) amount due to him for the additional units by which
subscription was raised due to promotion – for the period from which the
rate was raised, to the date of cessation of membership.
| TOP |
Family pension is payable to the family of an employee/pensioner on
his death in service/after retirement.
1.
Normal rate of family pension:-- The monthly family pension is
based on the ‘pay’ (Basic pay + DP + SI + NPA) drawn on the date of
death or on the date of retirement, as the case may be, and is admissible
at a uniform rate of 30% of pay last drawn, subject to a minimum of Rs.
1913 p.m.
2.
Higher rate of family pension:-- A higher rate of family pension is
admissible (except in case of dependent parents), if the deceased had
rendered not less than seven years’ of service. It is payable from the
date following the date of death, for a
period of seven years or up to the date o which he would have
attained the age of 65 years (67 years if his age of superannuation is 60
years) had survived, whichever is less. The rates are—
(a)
In case
of death in service:
1 1/2 times
the normal rate of family pension, if compensation under Workmen’s
Compensation Act is also paid; and
50% 0f the ‘pay’ last drawn in other cases.
(b)
In the case of death after retirement:
50% 0f the ‘pay’ last drawn at the time of retirement
or
The amount of pension authorized on retirement whichever is less.
Period for which the family pension is payable to—
|
(a)
Widow or Widower |
Till
date of remarriage or death,
whichever is earlier. |
|
(b)Unmarried
son/daughter/ widowed/divorced daughter |
Till
date of marriage/remarriage or date of attaining the age of 25 years
or starts earning more than Rs. 2550 p.m.
death, whichever
is earlier. |
|
(c)
Son(s) suffering from disorder or disability of mind or physically
crippled. |
For
life or till he starts earning more than Rs 2550 p.m. |
|
(d)
Daughter(s) including widowed/divorced daughter(s)
suffering from disorder or disability of mind or physically
crippled. |
For
life or till she gets married or till she starts earning more than
Rs 2550 p.m. |
|
(e)
Dependent parent(s) |
Till
death or starts earning more than Rs 2550 p.m. |
NEXT
TOP
NEXT
2.Medical Facilities
The
Scheme is available at present at the following cities as notified by
Government:-
Ahmedabad
Gurgaon
Meerut
Allahabad
Banglore
Hyderabad
Nagpur
Bhopal
Jaipur
Noida
Chandigarh
Jabalpur
Patna
Chennai
Kanpur
Pune
Delhi/New Delhi
Kolkata
Shillong
Faridabad
Lucknow
Thiruvananthapuram
Ghaziabad
Family
pensioners can avail CGHS facilities only for the dependents of the
deceased CGHS beneficiary. The pensioners / family pensioners have the
option to get their names registered with any of the CGHS dispensaries in
the above mentioned cities. They should make an application in the
prescribed pro forma to the Additional Director, CGHS concerned stationed
in the above cities who will issue CGHS identity card.
MEDICAL ALLOWANCE FOR RETIREES RESIDING IN AREAS NOT COVERED UNDER
CGHS.
Pensioners who are residing in areas not covered under the CGHS are
entitled for getting a monthly medical allowance of Rs.100/- which will be
authorised by the Pension sanctioning authority on the basis of an
undertaking from the retiree and a certificate from the CGHS authorities
that the area concerned is not covered under CGHS.
For Orders relating to Medical Allowance for Pensioners
please click on concerned letter:
1) No.45/57/97-P&PW(C) dated 19.12.97
2) No.45/57/97-P&PW(C) dated 12.6.98
3) No.45/57/97-P&PW(C) dated 18.6.99
PENSIONERS
AVAILING BSNL MRS
However, this medical allowance will not be authorised for
pensioners who are availing the medical benefits under BSNL MRS or any
other similar scheme.
For Orders relating to BSNL MRS please Click on the concerned
letter.
1)
No.BSNL/ADMN./1
Dated 28.2.2003 -- Medical policy for BSNL Employees.
2)
No. BSNL/ADMN.I/1 Dated 3.6.2004 -- BSNL MRS - Amendments/Clarifications
regarding.
3)
No.
BSNL/ADMN.I/1(Pt.) Dated 24.9.2004 -- Guidelines for the implementation of
BSNLMRS.
TOP