(As updated up to 03.04

(As updated up to 03.04.18 )

A Quick Reference to Employee Benefits in LIC

Compiled by Zonal Training Centre,Kolkata

Purpose of this Booklet

The purpose of this booklet is to provide the employees a handy material which contains the basic features of the important employee benefits in a capsular form. The employee may refer to this booklet anytime and anywhere he pleases. There are some benefits which are not talked about. But these benefits exist.

While it is not possible to remember all the benefits, it is important that the employees become more aware of the total package of benefits that the organization has to offer.

This book will be of utmost use to the employees to make them assured that the Corporation is taking due care of them. They will probably be thrilled to find that the benefits available in LIC are much more than available elsewhere.

Scope of this booklet

There is an index of contents at the beginning of the booklet with link. This will enable the employees to go to any particular section quickly. This book is for quick reference only. If the employee needs to study any section in details, he will have to read the full circular available in the Jeevan Sanchar, the intranet site of LIC.

Help us to improve this booklet

We need to continuously improve this booklet in order to enhance its utility. The employees are requested to tell us what more they want to see in this booklet so that the book serves its purpose.

The suggestions can be sent to the following e-mail id:[email protected]

INDEXLink is provided for prompt access to Subject/Circular

Employees’ Benefit Handbook / EZTC / Kolkata Page 2

mailto:[email protected]

SALARY AND ALLOWANCESItem Click to Subject Page

1 Scale of Pay at various cadres: 62 Stagnation Increment 73 Dearness Allowance 84 House Rent Allowance 85 City Compensatory Allowance (CCA) 96 Hill Allowance 9

6A Paradeep Port Allowance 107 Functional & Special Allowances 108 Officiating Cashier Allowance 109 North East State Educational Allowance 1110 Graduation Increments and Graduation Allowance 1111 Transport Allowance 11

11A Conveyance Allowance for PH/deaf and dumb also 1113 Washing Allowance 1214 Fixed Personal Allowance 1215 Project Allowance for Engineers 1216 Special Allowance for Class-III Employees for passing various

examinations13

17 Special Allowance for all employees for passing examinations conducted by the Institute of Actuaries

13

19 Allowance for the ITSG Group Members 1441 Special Sports Allowance 2451 Allowance for working at Mini Offices 2918 Salary payable to temporary staff 14

INCENTIVES

Item Click to Subject Page

20 Incentives payable on passing Hindi Examinations 1442 Incentives in respect of actuarial studies 2443 Productivity Linked Lump sum Incentive (PLLI) 24

LOAN / ADVANCES

21A Education Advance 1560 Housing Loan Scheme 3721 Festival advance 1422 Vehicle advance & Conversion of AAO/AO to ADM/DM Scheme 1644 Cycle (three-wheel chair) Advance for orthopaedically

handicapped employees24

23 Advance for purchase of PC/Laptop 1724 Flood/Drought/Cyclone advance for all employees 17

REIMBURSEMENT



27 Reimbursement of the cost of Brief-Cases/Leather Bags to Officers 1828 Reimbursement of Tea/Coffee Expenses: 1829 Reimbursement of the cost of Dailies/Magazines 1925 Purchase of Mobile Phones 1726 Reimbursement of monthly Mobile recharge expenses: 17

26A Internet charge-Laptop 1826B,26

cBroadband usage charges-Landline , Telephone facility at residence of class I officer

18

MEDICAL / HEALTH

12 Cash Medical Benefit 1248 Mediclaim 2749 High Cost Protracted Treatment (HCPT) 2946 Preventive Health Checkup scheme 26

LEAVE

32 Casual leave (CL): 2133 Privilege Leave (PL): 2134 Sick Leaves 2135 Maternity Leave 2136 Special Leave 22

LTC / TOUR / DA


31 Leave Travel Concession 1931A LTC Retired Employees 2137 Daily Allowance for employees on tour 2238 Lodging Charge on Tour 2340 Daily Allowances payable to officers going abroad on business

visits23

GROUP POLICIES / INSURANCE


57 GTIS -1997 (for employees who opted for pension) 3556 Group Insurance for Employees-2004 3555 Group Savings Linked Insurance Scheme (GSLI) 33

55A New Group Insurance Policy in lieu of GSLI Policy 3445A Group Insurance for cash carrying persons: 26

45 24 Hours Group Personal Accident Policy: 25 OTHER BENEFITS

39 Meal Coupon for employees 2330 Ex-Gratia in lieu of bonus 1947 Leasing of Flats/Houses for use as Staff Quarters 2650 Employees Relief Fund 29


Item TERMINAL / RETIREMENT BENEFITS Page

52 Payment of Gratuity: 3052A Additional Gratuity & Term / Free Insurance 3153 Provident Fund: 3254 Pension / ID Cards 3258 Encashment of PL 36

54A Pension 2010: 3359 Retirement Traveling Allowance: 36

MISCELLANEOUS

Special Guidelines for Employees 39

Relevant circulars 40

Some Specimen Forms & Charts 43

Basic Code of Conduct of the Employees 50

1. Scale of Pay at various cadres:[Revised as per Gazette Notification dated 14/01/2016.]The pay scale of Class-I officers of various cadres are as under:


Zonal Managers / Chief Engineers / ChiefArchitects (Selection Scale)

99835-2685(2) 105205-2880(1)-108085-3150(1)-111235-3265(4)-124295

Zonal Managers / Chief Engineers / ChiefArchitects (Ordinary Scale)

89095-2685(8) 110575

Deputy Zonal Managers / SeniorDivisional Managers / Deputy ChiefEngineers / Deputy Chief Architects

79605-2300(3)-86505-2590(6)-102045

Divisional Managers / SuperintendentEngineers / Senior Surveyor of Works /Senior Architects

65805-2300(9)-86505.

Assistant Divisional Managers / SeniorBranch Managers / Executive Engineers /Surveyor of Works / Deputy SeniorArchitect

Rs.53725-1610(1)-55335-1745(6)-65805-2300(4)-75005.

Administrative Officers / BranchManagers / Assistant Executive Engineers/ Assistant Surveyor of Works / Architects

44065-1610(7)-55335-1745(6)-65805

Assistant Administrative Officers /Assistant Branch Managers / AssistantEngineers / Assistant Architects

32795-1610(14)-55335-1745(4)-62315.

The pay scale of Class-II officers (Development Officers) of LIC are as under:21865-1340(2)-24545-1580(2)-27705-1610(17)-55075.

Pay Scale of Class-III employees is as under:

Higher Grade Assistants 21655-1445(3)-25990-1610(15)-50140Stenographers 18135-1030(4)-22255-1195(2)-24645-

1455(3)-29010-1510(2)-32030-1610(8)-44910.

Assistants/Typists/Cashiers/ Projectionists/Micro Processor Operators etc

14435-840(1)-15275-915(2)-17105-1030(5)-22255-1195(2)-24645-1455(3)-29010-1510(2)-32030-1610(5)-40080

Record Clerks 13380-475(4)-15280-745(3)-17515-840(2)-19195-850(6)-24295-915(6)-29785

Click to Back to Index

Pay scale of Class-IV employees is as under:

Drivers 13380-600(6)-16980-620(1)-17600-


745(12)-26540.Sepoys / Hamal / Head / Peons/Liftman/Watchman

11660-475(5)-14035-505(8)-18075-600(1)-18675-620(2)-19915-745(3)-22150.

Sweepers/Cleaners 11060-475(5)-13435-505(8)-17475-600(6)-21075

Revision Rules: 2016.Click the link for original Circulars.CO/Per/ER-A/111/2016 dt 15/01/2016 for Class-III &IVCO/Per/ER-A/110/2016 dt 15/01/2016 for Class-IICO/Per/ER-A/109/2016 dt 15/01/2016 for Class-I

2. Stagnation Increment

These benefits are for those who have reached the maximum of the scale of pay. Class-Iofficers in the cadres of AAO/AO/ADM, Class-II officers, Class-III and Class-IVemployees, on reaching the maximum of their scales, may be granted an additional basicpay equal to the last increment drawn by them, for each three years of service (two yearsin respect of RC/Asstt/Stenographer/Typist/Class IV employees) after reaching themaximum of the scale of pay. However, there are limits to the total number of suchincrements.

Cadre Maximum No. ofStagnationIncrements

allowed

Cadre Maximum No. ofStagnation

Increments allowed

ADM 02 HGA 06AO 05 Asstt/Steno 07

AAO 03 RC 07Dev Officer 04 Class - IV 07


3. Dearness Allowance

Rate: For every 4 points rise in the quarterly average of the All India Consumer Price


http://10.240.71.51/pers/era/instructions%20class%20I_new.pdf

http://10.240.71.51/pers/era/instructions%20class%20II_new.pdf

http://10.240.71.51/pers/era/instructions%20class%20III,%20IV_new.pdf

Index above 4708 points, an employee is paid dearness allowance at the rate of0.10% of Pay.

Pay means Basic Pay including additions to Basic Pay after reaching maximum(Stagnation Increments), Graduation Allowance payable to Class III employees in theScale of pay of Assistants and Stenographers, Special Allowance for passing examinations payable to Class III employees and Special Allowance payable to Class IV Employees posted in the grade of Head Peons, Liftman & Watchman.

Click to Find Current DA Slabs

4. House Rent Allowance

All classes of employees except those staying at the Staff/Officer’s quarters/Lease accommodation get HRA at the rates mentioned below:

Place of PostingRate

ofHRA

House Rate Allowance (Per month)Class-I Class-II Class III/IVMAX MAX MAX MIN

(i) Cities of Mumbai, Kolkata,Chennai, Delhi, Noida, Faridabad,Ghaziabad, Gurgaon, NaviMumbai, Hyderabad, Bengaluruand other cities with populationof 45 lakhs and above

10% Rs 5320 Rs 5320 Rs 5320 Rs 1165

(ii) Cities with population exceeding 12 lakhs, but less than 45 lakhs and except those mentioned at (i) and anycity in the State of Goa.

8% Rs 4490 Rs 4490 Rs 4490 Rs 1000

(iii.) Other places 7% Rs 4320 Rs 4320 Rs 4320 Rs 950


5. City Compensatory Allowance (CCA)

CCA is payable to the employees of all cadres of employees as detailed below w.e.f. 01.08.2007:


http://10.240.71.51/pers/era/daslab.htm

Place of Posting

Rate of CCA

City CompensatoryAllowance (Per Month)

Class-I Class-II Class-III/IVMAX MAX MAX MIN

i. Cities of Mumbai, Kolkata,Chennai, Delhi, Noida, Faridabad,Ghaziabad, Gurgaon, NaviMumbai, Hyderabad, Bengaluruand other cities with populationof 45 lakhs and above

3% Rs 1330 Rs 1125 Rs 1055 Rs345

ii. Cities with population exceeding12 lakhs, but less than 45 lakhsand except those mentioned at (i)and any city in the State of Goa.

2.5% Rs 1265 Rs 1040 Rs 990 Rs285

iii. Cities with population of 5 lakhsand above but not exceeding12 lakhs, State Capitals withpopulation not exceeding 12 lakhs,Chandigarh, Mohali, Pondicherry,Port Blair and Panchkula.

2% Rs 980 Rs 910 Rs 850 Rs 210

6. Hill AllowanceHill allowance to all classes of employees is to be paid in the manner mentioned below:

Place of Posting Rate of Hill allowance Payable (PerMonth)

Class-I Class-II Class-III &Class-IV

MAX MAX MAX

Posted at places with heights more than 1500 metres

2.5% of Pay Rs 765 Rs 615 Rs 615

Posted at places with heights between 1000 and 1500 metres

2% of Pay Rs 615 Rs 485 Rs 485

Posted at places with heights between 750 and 1000 metres

2% of Pay Rs 615 Rs 485 Rs 485


6A. Paradeep Port Allowance:Rs 185/-per month wef: 01/02/2016


Every Class-I, Class II, Class III & IV posted at Paradeep shall be paid “Paradeep Port Allowance” as long as posted at Paradeep.

7. Functional & Special Allowances

The following allowances are payable to the employees of various cadres:

Cadres of Employees

Functional Allowances Special Allowances

Class-I (AAO toADM)

Programmer-I / System Analyst= Rs 1130 per month

(Except ITSG)

Touring Officers in Audit &Inspection = Rs. 1415 per

month

Class-III

Scale of HGA Programmers =Rs 900 p.m. (Except ITSG)

Scale of Assistant as MPOs = Rs 285 p.m.

Scale of Pay of Record Clerks:Banda, Xerox and duplicating

machine operators = Rs 150 p.m.

Touring HGA in InternalAudit / Inspection =

Rs 1080 p.m for first 5 yrs,Rs 1230 p.m. in next 5 yrs

and Rs. 1330 p.m. thereafterAsst as Receiving / Paying

Cashier = Rs 2500 p.m.

Class-IV

In the Scale of Sepoys asFranking Machine Operators =

Rs 120 p.m.

Head Peons, Liftmen andWatchmen = Rs. 985 p.m &this amount shall count for

all purpose.

8. Officiating Cashier Allowance

w.e.f. 8th July,2015.

Class III Employees appointed as Cashiers. Rs 100 per day.[The panel of officiating cashiers will include all confirmed class III employees i.e.

Assistants, MPOs, Typists, Telephone Operators, HGAs and Record Clerks.]

Class-I officers in Satellite Offices Rs 120 per day for officers posted in the satellite offices and handling cash.[ Shall not count for any other purpose]


9. North East State Educational Allowance


Rs. 500 per month (wef 01/08/2012) is available to all officers posted in the NorthEastern states and their children pursuing studies outside these states, either in schools orcolleges or universities.

10. Graduation Increments and Graduation AllowanceEmployees in the scale of Assistant & StenographerTwo graduation increments are granted to the employees in the scale of Assistant or Stenographer. There is no change in the instruction. An employee who has become graduate of a recognized University after reaching maximum of the scale of pay: Rs1000 p.m.Employees who have received graduation increments and have attained maximum of the scale will get Rs 510 per month after one year of reaching the maximum of scale and Rs 1000 per month two years after reaching the maximum of the scale.[Provided however that all those employees in the scale of Assistant and Stenographer who become graduates after 31st July, 2007 shall not be eligible for graduation allowance.]

Record Clerks get a graduation allowance of Rs 535 per month after completing graduation.[It may be noted that Record Clerks who become graduates after 31st July, 2007 shall alsobe eligible for graduation allowance. Record clerk having graduation allowance as RC, on promotion to assistant will get graduation increment as applicable to assistant on fixation. However the graduation allowance enjoyed by him as RC will not continue]

11. Transport AllowanceClass-I Officers : Rs 1330 per month (wef: 01/08/2012)Class III & IV employees : Rs 460 per month (wef: 01/08/2012)

11A. Conveyance Allowance for Blind and Differently Abled (Physically Challenged) Persons: 2.5% of basic subject to a maximum of Rs 400 p.m. This is in addition to the normal transport allowance they are eligible for. This facility has been extended to hearing and speech impaired (deaf and dumb) employees also, [who suffer from both the disabilities i.e. who are both deaf and dumb. with effect from 19.02.2014.Please refer to circular Ref: CO/PER/ER-A/Res/PWD/C.A, Dated 08/07/2015 and Circular no. CO/Per/ER-A/087/2014,dated 08.11.2014.



http://10.240.71.51/pers/era/Conveyance%20Allowance%20to%20Hearing%20and%20Speech%20Impaired%20Employees.pdf

http://10.240.71.51/pers/era/circularletters/pwd_clarification.pdf

12. Cash Medical Benefit

The cash medical benefits payable to various cadres of employees are as under:

Cadres of Employees Basic Salary Cash Medical Benefit

Class-I OfficersUpto Rs 60430/- Rs 13300 p.a.

More than Rs 60430/- Rs 19940 p.a.Class-II Officers All Rs 8310 p.a.

Class-III & Class-IVEmployees

All Rs 6650 p.a.

13. Washing Allowance Rs. 250/- per month is payable only to Class-IV employees as Washing Allowance. Rs 150/- p.m. regular part-time workmen wef 01/08/2012

14. Fixed Personal Allowance This allowance is given to the people after one year from reaching maximum of scalein lieu of the increment for computerization given on 01.11.1993. The rates of FPA forvarious cadres are as under:

Category FPA (in Rs) Category FPA (in Rs)ZM(S) 3265 D.O./

Assistant/Steno/HGA1610

ZM(O) 2685 RC 915 SDM 2590 Class-IV Driver/Peon 745

ADM/DM 2300 Sweeper 600 AO/AAO 1745 ------ ------

FPA is calculated for the scale of pay an employee was as on 01.11.1993

15. Project Allowance for Engineers

The Project Allowance is given at the rate mentioned below:Class-I: Rs 400/-p.m.Class-III: Rs 285/- p.m.



16. Special Allowance for Class-III Employees for passing various examinationsSpecial allowances payable for passing various examinations are as under: w.e.f: 01-08-2012Professional / Technical Allowance Special Allowance payable per

monthExaminations of Insurance Institute of

India:Licentiate : Rs 340 p.m.Associate : Rs 925 p.m.Fellow : Rs 1585 p.m.

Examination of the Institute of Actuaries, London.

Rs.340/- per month on passing each subject.

Examinations of the Actuarial Society of India. Rs.340/- per month on passing each subject.

Examinations of the Institute of Chartered Accountants of India and the Institute of Costs & works Accountants of India

Intermediate : Rs 665 p.m.Final Group A or B : Rs 1135 p.m.Final Group A and B : Rs 1585 p.m.

MBA from recognized University or Institute Rs 1585 p.m.On passing the final examination of the Institute of Company Secretaries of India

Rs 1585 p.m.

17. Special Allowance for all employees for passing examinations conducted by the Institute of ActuariesAllowance payable for Core Group employees at CO/ZO:

No of Papers Passed Special Allowance per month (CO) in Rs

Special Allowance per month (ZO) in Rs

Six Papers 4000/- 3,200/-Seven Papers 5000/- 4000/-Eight Papers 9000/- 7,200/-Nine Papers 10,000/- 8000/-Ten Papers 12,000/- 9,600/-

Eleven Papers 15000/- 12,000/-Twelve Papers 18000/- 14,400/-Thirteen Papers 21,000/- 16,800/-Fourteen Papers 25,000/- 20,000/-Fifteen Papers 30,000/- 24,000/-

Fellowship 50,000/- 24,000/-

Click to find Cir No: ZD/1155/ASP/2010 dt 14/06/2010 for Actuarial Allowance



http://10.240.71.51/pers/circular/ZD_1155_14062010.pdf

18. Salary payable to temporary staff

Temporary staff is to be paid a salary which is drawn by a regular employee at that cadre at the minimum of the scale. Each day’s salary is to be taken 1/26th of the salary drawn byan employee of that cadre per month at the minimum of the scale.

19. Allowance for the ITSG Group Members Developer Rs 10,000 p.m.Business System Analyst (BSAs) Rs. 15,000 p.m.Project Leader Rs. 20,000 p.m.

20. Incentives payable on passing Hindi Examinations

HindiExamination

Amount of Cash Reward (Rs)Through Corporation

Through PrivateCorrespondence Course

A Region

B Region

C Region

A Region

B Region

C Region

Prabodh 1000 1100 1200 2000 2200 2400Praveen 1100 1200 1300 2200 2400 2600Pragya 1200 1300 1400 2400 2600 2800Hindi Typing 1200 1300 1400 2400 2600 2800Hindi Stenography 1300 1400 1500 2600 2800 3000

21. Festival advance

This interest free advance is payable to all classes of employees and is recoverable from salary in 10 equal monthly installments. The amount of advance payable to the employees is as under:Class-I Officers One month’s salary or Rs 30,000

whichever is lessClass-II Officers and Class III & IV Employees

One month’s salary or Rs 26,000 whichever is less

RPT Workmen One month’s salary or Rs 13,000 whichever is less

Click to find Cir No: CO/Per/ER-A/123/2016 dt 01/04/2016 for Festival Advance



http://10.240.71.51/pers/era/Circular_ERA_2016_123.pdf

21A. Scheme of Education Advance to Employees of the Corporation.

The scheme “Life Insurance Corporation of India (Employees Education Advance Scheme), 2015” is applicable to whole time confirmed employees with 5 years of service.This is to assist employees in arranging finance for the higher / professional education of their dependent children in India and / or abroad. Correspondence or Distance Learning isnot admissible. Amount of advance is to be paid to the Educational Institution directly and bank charges to be borne by the employee.

Quantum of Advance: Up to and Maximum Rs.10 lacs for one child.

Entitled amount of advance = 85% of [Gratuity + PF + Addl Gratuity / Free Insurance + GSLI savings] as accrued as on date of application of advance or Rs.10 lacs whichever is less, subject to financial eligibility of the employee [i.e. the net salary shouldn’t go below 25% of the Gross Salary of the employee at the time of sanction of such loan/advance.]

All terminal dues of the employees shall be assigned to the Corporation. Two dependent children including step-child and adopted child [and not gainfully employed] are eligible during the entire service period. Advance for maximum two courses [Graduation/Degree/Diploma/Training courses etc.] can be granted for a child.

Simultaneous advance for both the children can be availed. If both husband and wife are employees of Corporation, Education Advance may be availed by any or both of them but not for more than two children [for example: Husband may take advance for one child and the wife for the other]

Repayment Term: 10 years. EMI deduction will commence from the month following themonth of disbursement of advance. Outstanding amount will be realized from the retirement proceeds if the employee retires earlier.

Interest Rate [on reducing monthly balance]: 8% p.a. (simple) for boy students and 7.80%(simple) for girl students.

Vigilance Clearance is necessary to obtain Education Advance

Click to find Circular No: CO/Per/ER-A/101/2015. Date: 08/08/2015. for Education Advance.


http://10.240.71.51/pers/era/EDU_ADV_CIR.101.pdf



22. Vehicle advanceCar and Scooter advance in respect of various cadres of employees is as under:Name of Advance

Quantum RepaymentTerm

Rate of interest

Other conditions

Car Advance for ADM/DM on administration side

Full PurchasePrice of new vehicles

96 months 5%

1.Insurance Premiumand Road tax paid by

LIC2. This loan can beavailed for 2 times(with 8 years’ gap)

CarAdvancefor AAO/

AO##

Serviceperiod less

than 3years

Maximum of Rs 1 lakh or purchase price whichever is less

96 months 5%

Serviceperiod

more than3 years

Full purchaseprice

96 months

5% up to 1lakh and

9% on thebalance

1. Insurance premiumand road tax to be

borne by the employee2. This loan can beavailed once during

service

TwoWheelerAdvance

Class-IOfficers

Full purchaseprice

Recovery in 60months

3%

1. Insurance Premiumand Road tax paid by

LIC 2. This loan can beavailed for 2 times(with 7 years’ gap)

Class-III& IV

Employeeswith 5 yrsservice **

Full purchaseprice(Max.Rs1,00,000/-) Recovery in 60

months

Upto Rs50,000/-5% and

9%thereafter

1. Insurance premiumand road tax to be

borne by the employee2. This loan can beavailed for 2 times(with 7 years’ gap)

** part-timer employees converted to Full time “sweeper cum attendant” will get proportional past service credit as per circular CO/Per/ER-A/074/2014 ,dated 23.06.2014

## Conversion from AAO/AO Scheme to ADM/DM Scheme :

It is applicable when an officer is promoted from AO Cadre to ADM Cadre. Any of the Two Options may be exercised:Option 1) Transfer of existing vehicle under AAO/AO Scheme to ADM/DM Scheme. Road Tax and Insurance Premium to be reimbursed proportionately for the outstanding repayment period from the date of conversion.Option 2) Repayment of outstanding loan under existing [AO/AAO] Scheme and avail fresh advance under ADM/DM Scheme. For detailed conversion procedure click to find Circular: CO/PER/ER-A/100/2015 Date: 10/07/2015


http://10.240.71.51/pers/era/4wheeler_loan_conv_cir_100.pdf



http://10.240.71.51/pers/era/ERA_74.pdf

Click to find Cir No: ZD/956/ASP/2000 dt 31/05/2000 for vehicle advance.


23. Advance for purchase of PC/Laptop/I-pad/Tablet (incl. peripherals/accessories) Quantum is Rs 75,000 or full Purchase Price whichever is less. Loan amount isrecoverable in 48 months. Rate of interest is 9%. This is available for all confirmedemployees of the Corporation. Click to find Cir No: CO/Per/ER-A/023/2013 dt11/03/2013

24. Natural Calamities/Flood/Drought/Cyclone advance for all employeesQuantum is three months’ basic salary or Rs 50,000 whichever is less. This interest free advance is recoverable in 36 installments. click to find Cir No: CO/Per/ER-A/051/2013

25. Purchase of Mobile Phones

The following amounts are reimbursed for purchase of mobile phones:

AAO/AO/ADM Rs. 10,000DM, SDM Rs 25,000ZM & Above Rs 40,000

DO Rs. 8,000

Officers will be provided a new mobile handset after expiry of three years from date of purchase of the earlier mobile handset and need not return the old mobile handset.

If the employee resigns, Voluntary retired, Dismissed,Removed from service within threeyears from the date of purchase of a mobile handset, a notional depreciation value @30% per annum will have to be paid to the Corporation. In case of death and normal retirement within the said period of three years, no recovery is to be made.

For details, please refer to the circular no Ref:CO/OS/Mobile/ 2013-14 / 03, dated 01.07.2013,CO/OS/MOBILE/2013-14/03(a) dt. 02.09.2013 and CO/OS/MOBILE/2016/02 dt.01.06.16 ,CO/OS/Mobile/2016-17 dt. 28.06.16 And http://10.240.91.10/do/circulars/2016-17/Circular _Mobile Handset.pdf

26. Reimbursement of monthly recharge http://10.240.69.61/eos/

estweb_1/OS-CIR-28062016.pdfexpenses:Employees’ Benefit Handbook / EZTC / Kolkata Page 17

http://10.240.69.61/eos/estweb_1/OS-CIR-28062016.pdf


http://10.240.91.10/do/circulars/2016-17/Circular%20_Mobile%20Handset.pdf


http://10.240.69.61/eos/estweb_1/COOSCIR1314-3.pdf

http://10.240.71.51/pers/era/CO_Per_ERA_051_20131219.pdf

http://10.240.71.51/pers/era/comp_advance.PDF

http://10.240.71.51/pers/era/ZD_956_ASP_2000.PDF

Reimbursement of mobile expenses is as under (for administration side):AAO/AO/ADM Rs. 400 per month / Rs. 1200/- per quarterDM Rs 500 per month / Rs. 1500/- per quarterSDM Rs 2250 per quarterZM(O)/ZM(S) Rs.4500 per quarter

For recharge expenses up to DM vide Cir No: CO/Per/ER-A/013/2012 dt12/12/2012


26A. Reimbursement of Internet Charges for Hybrid Laptops:

Reimbursement of Internet Charges for the Hybrid Laptops allotted to the officers in the cadres of DZM and above:DZM & Above Reimbursement of monthly usage charges limited to Rs 1,000 or the

Plan Tariff, whichever is lower

26B. Reimbursement of Broadband Usage Charges:

Broadband facility on residential landline:ZM(O) & ZM(S)and all RMs(IT)

Rs 500/- per month plus tax

In this connection the circular no Ref CO/OS/OA/VPT/2010/13 dated 01.01.2011 may bereferred to.

26C. Telephone facility at residence of class1 officersCadre Administrative side- Rs P.M Marketing Side-Rs. P.M

ABM(S)/BM(S) NA 550

BM(IN-CHARGE) NA 650

MANAGER(SALES)-ADMCADRE

NA 700

DM 550 750

SDM 750 800 NOTE- NO LIMIT OF NO. OF CALLS. THE ABOVE LIMIT WOULD BE INCLUSIVE of GST , irrespective of the fact whether whether the telephone connection is with combo tariff/rental or otherwise ( Ref : CO/OS/OA/TEL/2017/2 DT. 01.09.2017 )

27. Reimbursement of the cost of Brief-Cases/Leather Bags to Officers (once in 3 years)


http://10.240.71.51/pers/era/MOBILE_CHARGES.PDF

AAO Rs 2,700 incl. sales TaxAO/ADM Rs 3,400 incl. sales TaxDM/SDM Rs 4,200 incl. sales TaxZMs/EDs Rs 5,000 incl. sales Tax

Click to find Cir No: Ref : CO/OS/P/ 2016/1 dt20/04/2016 for Brief-Cases

28. Reimbursement of Tea/Coffee Expenses:

AAO/AO Rs 800ADM/DM Rs 1000SDM/DZM Rs 1200ZM(O)/Chief-in-Charge/ED No Limit

Click to find Cir No: CO/Per/ER-A/103/2015 DT 01/09/2015 for Tea / Coffee


29. Reimbursement of the cost of Dailies/MagazinesCadre AmountAAO/AO One Daily of repute (financial or non-financial)ADM/DM/SDM Two dailies – one financial and one non-financialZM and above Two dailies – one financial and one non-financial PLUS

Two Indian Magazines of repute – one financial and one general

Click to find Cir No: ZD/1044/ASP/2004 dt 29/04/2004 fordailies and Magazines

30. Ex-Gratia in lieu of bonus

Employees drawing a salary not exceeding Rs 10,000 per month are only eligible.

31. Leave Travel Concession


http://10.240.71.51/pers/circular/ZD%201044.htm

http://10.240.71.51/pers/era/Circular%20103_tea_coffee%20serving%20limits.pdf

http://10.240.69.61/eos/estweb_1/BRIEFCASE%20REVISION%20CIRCULAR.doc

Once in a block of 2 years. 2 Blocks can be clubbed.

Current Block of Class I/II: 01.01.2015 to 31.12.2016Current Block of Class III/IV: 01.04.2016 to 31.03.2018

Distance: 3000 KM each way

Air Travel Entitlement: Allowed only for DM & Above,AO and ADM allowed Air travelif total distance travelled by air is more than 1000 kms.

Foreign travel- foreign destination is not allowed. In cases of journeys within and outside India,reimbursement will be restricted to journeys performed within India only.Reimbursement on actual expenditure but not beyond entitled class.Entitlement would be limited to lower class if an employee travels lower than his entitled class. If travelled by different mode, 1st reimbursement will be for lower mode, 2nd for entitled mode and lastly actual expenses for higher mode subject to maximum eligible fare of entitled balance distance after considering distances travelled by lower and eligible mode. If Travel under LTC involves travel by higher mode/higher class then the reimbursement will be restricted to two times of the entitled class fare for 3000 kms for one Block.[Circular Ref: CO/ERA/LTC/RRB, Dated 05/06/2015]

Travel by Taxi/Bus will be treated as travel by entitled mode or class and reimbursementwill be limited to the train fare in respect of eligible members by theentitled class for the distance so traveled.

Toll tax will be paid in case of travelling by car under LTC.Tickets / Receipts purchased online will also be accepted.

Category By Train By Road By Steamer BY AIR

Zonal Managers& Above

I AC, Bus I Class or by single seat in a taxi

I Class Ordinary/Economy class

Other Officers in Class-I Cadre(SDM,DM

1AC Do Do Ordinary/Economy class

ADM,AO 11 AC DO DO Ordinary/Economy class (if the total distance travelled by Air is more than


1000 Kms

AAO 11 AC DO DO NOT ELIGIBLE

Development Officers

II AC Sleeper, Rajdhani Express Chair Car, AC III TierSleeper in Rajdhani

DO DO NOT ELIGIBLE

Class IIIEmployees

drawing a basicpay of Rs

22876/- andabove

II AC Sleeper, Rajdhani Express Chair Car or AC III Sleeper in Rajdhani

Bus 11 Class NOT ELIGIBLE

Class IIIEmployees

drawing a basicpay of Rs22875/- &

below

II Class, SleeperClass other than

RajdhaniExpress

II AC if night journey is involved. AC IIITier sleeper/Chair car in Rajdhani Express if night journey is involved

Bus II Class NOT ELIGIBLE

Class IVEmployees


22876/- andabove

II AC Sleeper, Rajdhani Express/ AC III Tier Sleeper

Bus Deck NOT ELIGIBLE

Class IVEmployees


22875/- andbelow

II Class/ SleeperClass (other than Rajdhani Express

Bus Deck NOT ELIGIBLE


For procedure of LTC claim settlement, please refer to Circular No. CO/Per/ER-A/095/2015 , dated 08.04.2015.and Cir. CO/Per/ER-A/070/2014 , Dt12/05/2014Please refer to Circular CO/PER/ERA/LTC/RRB , Dt 05/06/2015 for Clarification CO/PER/RE-A/133/2016 DT.14.07.16


31A. LTC for Retired Employees

The retired employees can avail LTC of the last unused block(s) even after retirementprovided they complete the return journey within three months from the date ofretirement. Click to find Circular No: CO/Per/ER-A/018/2012,dated 31.12.2012.

32. Casual LeaveQuantum: 15 days between the period of 1st July to 30th June next year. Additional Casual Leave: The quantum will be 23 ½ minus the number of holidaysdeclared under N.I. Act in a calendar year (Jan. to Dec.). Additional Casual Leave may beallowed during the period of six months from 1st January to 30th June of the followingcalendar year. Unavailed casual leaves are converted into Additional Sick Leaves withfull pay, upto a period of 60 days.

33. Privilege Leave (PL)For every 11 days of service (including holidays), one day’s PL is added to the credit. Duty for this purpose is service minus the period of leave of all kinds except CL and quarantine leave. Total accumulation allowed: 270 days

34. Sick LeavesAt the rate of 30 days for each completed year of service subject to a maximum of 480 days with half pay during the entire period of service.Special Sick Leave can be granted to employees suffering from major diseases likecancer, leprosy, tuberculosis, paralysis, brain tumour, cardiac ailments, mentaldiseases, kidney diseases, AIDS etc for a period of 180 days on half pay in case no sickleave or converted sick leave is there in his credit.


http://10.240.71.51/pers/era/LTC_RETIRE_2012.pdf

http://10.240.71.51/pers/era/Mode%20of%20travel%20on%20Tour,%20transfer%20and%20LTC%20for%20Class%20I%20officers.pdf

http://10.240.71.51/pers/era/circularletters/LTC-%20Clarification%20of%20circular%20095.pdf



http://10.240.71.51/pers/era/Cir%20a-95_ltc.pdf

35. Maternity Leave

Lady employees are eligible for Maternity Leave for a period of six months from the dateof commencement. Total Maternity Leave can not exceed a total of 360 days in the entire service life.

35(a)- Paternity Leave- Male employee having less than 2 surviving children,this leave for a period of 15 days during the confinement of his wife may be granted . This leave shall be utilized within a period of six months from the date of delivery of the child and to be applied within a period of 15 days before the expiry of saidperiod of six months


36. Special LeaveThe following types of special leaves are granted to the employees:

Type of Leave Quantum of Leave availableSports Maximum 30 days in a calendar year for participating in

national/international sporting eventsTrade Union activities (only for recognized Unions)

Maximum 7 days in a year

Special Leave in lieu of Joining Time Maximum 6 days plus the time to cover actual journeyDonation of blood 1 day for each occasion, Maximum 10 days in a yearAccident while on duty Maximum 90 days but ZM(S)/ED can grant more in case of

special circumstancesQuarantine Leave Maximum 21 daysExtra Ordinary Leave Three months in one occasion and a total of 12 months in the

entire service periodI.I.I. Examination Invigilation On the days of such invigilationsI.I.I. Council Meeting Maximum two times in a year Family Planning (i) 6 days for sterilization operation or vasectomy.

(ii) 14 days to lady employees for Non-Puerperal Operation / Tubectomy. Not exceeding 14 days for the 2nd time may be granted if the operation is for the 2nd time due to the failure of the first operation.(iii) One day to lady employees for IUCD insertion. One day for re-insertion of IUCD may be granted.

37. Daily Allowance for employees on tour:For tours less than 24 hoursDuration of tour DA AdmissibleLess than 4 hours No DA


Between 4 and 8 hours 50% of DA8 hours or more Full DA

Rates of DA admissible for various classes of employeesCadre “A:

Class City

“B” Class City

“C” Class City

MD/ ED/ZM/DZM/SDM/DM 1300 1100 950ADM/SBM/BM/AO/ABM(S)/AAO 1100 950 800Class-II Employees/HGA/SH 700 600 450Class-III Employees 600 520 340Class-IV Employees 500 400 250DA for tour at Metro cities: Rs 1800 for MD/ ED/ZM, Rs. 1500 for DZM/SDM/DM Rs 1300 for ADM/SBM/BM/AO/ABM(S)/AAOhttp://10.240.71.51/pers/era/CO_PER_ER-A_146_2016.pdf


38. Lodging Charge on Tour:

Cadre/Class ofemployees

Reimbursement Amount (Rs)For Major Cities Category-II cities Other Places

ED/ZM 8000+tax 4500+tax 4000+taxDZM/SDM/DM 5500+tax 3750+tax 3000+tax

ADM/SBM/BN/AO 3000+tax 2200+tax 1600+taxAAO/ABM(sales) 2000+tax 1500+tax 1200+taxClass-II Officers 1800+tax 1350+tax 1080+tax

Class-III employees 1600+tax 1200+tax 960+taxClass-IV employees 1400+tax 1050+tax 840+tax

Click to find Cir No: CO/Per/ER-A/016/2012 dt 24/12/2012 for Lodging Charges

39. Meal Coupon for employees (Rs. per day)ZM(O) & ZM(S) 340SDM 295DM 255ADM 230AO 195AAO 175DO 160HGA 150Assistant / Steno 135RC 115Class IV employees 105


http://10.240.71.51/pers/era/HOTEL_CIRCULAR.pdf

http://10.240.71.51/pers/era/CO_PER_ER-A_146_2016.pdf

Regular Part Time Workmen 60http://10.240.71.51/pers/era/Meal Coupon Circular- 2017.pdf

Daily Allowances payable to officers going abroad on business visits:If full hospitality is providedBusiness visits upto 10 days: Lumpsum $500Business visits for more than 10 days: $50 per day

If no hospitality is providedChairman/MD gets: $500 per dayZM (O)/ZM(S) gets: $400 per daySr. D.M. gets: $350 per dayOther Officials get: $300 per day


41. Special Sports Allowance

Level of Sports Event Special Sports Allowance PayableLIC Divisional Level Tournament Rs 300

LIC Zonal Level Tournament Rs 450All India LIC Games Rs 800

Representing LIC in outside TournamentRs 800 ( ALL INDIA/NATIONAL

LEVEL,Rs. 450 ( other than allindia/national)

Click to find Cir No: CO/HR/SPR/108/11-12/011 dt 19/09/2011 & ref CO/HRD/SPR/108/13-14 DT. 20.04.13

42. Incentives in respect of actuarial studiesThe following reimbursements are made to employees pursuing actuarial studies:i) Entrance Fee for enrolment as student member in Institute of Actuaries of India.ii) Annual subscription paid by an employee to the Institute of Actuaries of India or London.iii) Tuition course fee paid by the employee to the Institute of Actuaries of India or London.iv) Examination fee paid by the employee once for each paper on passing upto six papers and twice for each paper on passing the remaining papersv) Exemption Feevi) Cost of Actuarial Tablevii) Rs. 3000/- as Registration Fee for ACET on qualifying.


http://10.240.69.61/hrdod/sports/sport_circulars/Special%20sports%20allowance.pdf

http://10.240.71.51/pers/era/Meal%20Coupon%20Circular-%202017.pdf

43. Productivity Linked Lumpsum Incentive (PLLI) This is paid to all employees. Quantum depends on the achievement of a certain sales andservicing standard. http://10.240.71.51/pers/era/Circular_ERA_2016_122.pdf

44. Cycle (three-wheel chair) Advance for orthopaedically Challenged employees

Quantum is Rs 2500 or the actual cost of wheel-chair/cycle whichever is less.To be repaid in 30 interest-free EMIs. Payable to all confirmed orthopaedically handicapped employees.


45. 24 Hours Group Personal Accident Policy, 2014-15All our full time in-service employees on probation/training/Apprenticeship are covered against accidental injuries on a “24 hour cover basis” under Group personal Accident Insurance policy. The benefits which are available are as mentioned below:

Nature of Accident

Benefits Payable to the employee/Legal Heirs

Settlement Procedure



Death Capital Sum assured, as per table below.

Loss of two limbs, two eyes or one limband one eye

Capital Sum assured, as per table below

Loss of one limb or one eye

50% of Capital Sum assured as per table below.

Permanent total disablement from injuries other than those mentioned above

Capital Sum assured, as per table below

Permanent partial disablement (PPD)

Specified percentage of Capital Sum assured as per policy document

Expenses for Carriage of Dead body and / or funeralexpenses

Actual expenses subject to a maximum of 2% of the sum assured or Rs 2500/- whichever is less

The claims are to be made in the prescribed form by the employees/legal heirs

through the office of the employee, to the ChiefRegional Manager,

Oriental Insurance Co. Ltd., CBRO Mumbai;

Oriental House, 3rd Floor, 7, J Tata Road, Churchgate,

Mumbai 400 020Tel No 022-22821716

022-22816569Intimation of Claims will be made immediately

by concerned LIC Office and in any case notlater than 6 months.

The office has to ensure that the claim amountdoes not directly go to the legal heirs. The money

is to be paid to the Corporation by OrientalInsurance Co.

Requirements in case of accidental death:1. Claim form duly filled in

2. FIR3. Police Final Report

4. Panchnama5. Post Mortem Report

6. Death Certificate7. Salary Certificate

Document Nos 2,3,4,5,6 must be Notary attested

Under this policy, all premiums are paid by the Corporation.

Capital Sum Assured effective from 1.2.2014:Category Basic Pay (Rs.) Sum AssuredI 50810/- & above 25 LacsII 35300/- to 50809/- 20 LacsIII 24800/- to 35299/- 15 LacsIV Less than 24800/- 10 Lacs

Please refer to Circular GPAP-2014-15, CO/Per/ER-A/089/2014 dated 20/11/2014And Cir No: CO/Per/ER-A/057/2014 Dt 04/03/2014 GPAP Form for Declaration for Assignment (GPAI)


45A. Group Insurance for cash carrying personsGroup accident policy for employees carrying cash to the bank and the employees accompanying them.

A capital sum assured of Rs 10,00,000


http://10.240.71.51/pers/era/GPA.pdf

http://10.240.71.51/pers/era/Renewal%20of%20GPA%20Policy%202014-15.pdf

46. Preventive Health Checkup scheme

CategoryAmount to

beReimbursed

Frequency of checkup in age band where age is basedon age last birthday

40-44 45-49 50-54 55-60I Basic PayRs 58690/-& Above

Rs 5,000 Once Twice Twice Every Year

II Basic Payfrom Rs

42196/- toRs. 58689/-

Rs. 4,000 Once Twice Twice Every Year

III (BasicPay below

Rs 42196/-)Rs. 3,000 Once Twice Twice Every Year

Revision effective from 15/01/2016.It is to be noted that there has to be a gap of two full years between two preventive check-ups if the age of the employee is up to 54 years. For the employees above 55 years of age,this gap has to be at least one full year. No non-availed benefit can be carried forward in the future years. Click to find Cir No: CO/Per/ER-A/026/2013 dt 12/03/2013

47. Leasing of Flats/Houses for use as Staff Quarters

Lease Rental Limits:(Ref:Circular-CO/SBU/Estates/Circular no 66 dt.23.04.15)

Cadre

Rental CeilingMetroCities(Rs)

A ClassCities (Rs)

B ClassCities(Rs)

C Class Cities(Rs)

SDM/DM-in-Charge

29000 23000 16000 13000

DM/SBM/ADM 26000 21000 14000 12000BM-I/C 21000 16000 11000 9000

BM/AO/ABM/AAO

20000 15000 10000 8000

HGA 9400 6200 4700 3900. Metro cities are Mumbai, Delhi,Channai,Kolkata, Bengalaru,Hydrabad . The above limit is inclusive of monthly society charges and car parking charges.Minimum Area Norm for Flats / House under Lease:

CadreCarpet Area in Sq ft.

Minimum Area Maximum AreaZM & Above 1200 2000SDM/DM in Charge 1000 1500DM/SBM/ADM 800 1250AM/AO/ABM/AAO 650 1000


http://10.240.71.51/pers/era/preventive.PDF

HGA 400 600

48. Group Mediclaim

The Group Mediclaim Scheme 2015-16 provides for cashless facility for all diseasesand treatment/reimbursement of hospitalization/domiciliary hospitalization expenses toall classes of in-service employees, retired employees and their dependents includingdependent parents and parents-in-laws,[i.e. continuation of coverage to dependent parentsand parents-in-laws even after retirement] through a Group Mediclaim Policy (FloaterMediclaim coverage). Cashless facility will be available through TPAs in hospitalscovered under their network.

Room Rent Limit per Day : A Class Cities-8500/-; B Class Cities-5000/-; C Class Cities-4000/-Classification of Cities: [For Room Rent Limit]

A Class Cities: Ahmedabad, Gandhi Nagar, Bengaluru, Chennai, Hyderabad(includingSecunderabad), Kolkata, Greater Mumbai, New Delhi, Faridabad, Ghaziabad, Gurgaon,Noida, Pune and Surat.

B Class Cities: Agra, Allahabad, Asansol, Bhopal, Coimbatore, Goa (Entire State),Indore, Jaipur, Jabalpur, Jamshedpur, Kanpur, Kannur, Kochi, Kozhikode, Lucknow,Ludhiana, Madurai, Mallapuram, Meerut, Nagpur, Nasik, Patna, Rajkot, Srinagar,Thrissur, Thiruvanthapuram, Vadodra, Varanasi, Vishakhapatnam, Vijaywada.

C Class Cities: Other than A & B Cities.

Zone wise TPAs for Cashless servicing purpose:Office/Zone Name of TPA Website/ Toll Free no

(Dedicated for LIC)Northern/Western/ CentralZone & CO

M/S MD IndiaHealthcare Service (TPA)Pvt. Ltd.

www.mdindiaonline.com 18002335588

North Central Zone M/S Raksha TPA Pvt Ltd www.rakshatpa.com 18001039533

East Central/Eastern Zone M/S Heritage HealthTPA Pvt Ltd.

www.heritagehealthservice.com 18001024547

South Central Zone M/S Medi Assist IndiaTPA Pvt. Ltd.

www.mediassistindia.net 18004191154

Southern Zone M/S Vidal Health TPAPvt.Ltd.

www.vidalhealthtpa.comKerala-18004256268Tamilnadu-18004257595

List of Hospitals covered will be available in TPAs website as well as LICs intranetwebsite.


http://www.vidalhealthtpa.com/

http://www.mediassistindia.net/

http://www.heritagehealthservice.com/

http://www.rakshatpa.com/

http://www.mdindiaonline.com/

The Policy is being serviced by The New India Assurance Company Limited.

The coverage under the policy:

BASIC PAY CATEGORY FAMILY FLOATER SUM INSURED

RS.58690/- AND ABOVE I 1000000

RS.42196/- TO RS.58689/- II 600000

UPTO RS 42195/- III 500000

Ref: CO/PER/ER-A/172/2017 DT. 26.12.17

Option is there to increase the cover additionally on floater basis upto 4 lacs,5 lacs,6lacs,8 lacs,10lacs, 12 lacs,15 lacs, 20 lacs,25 lacs and 30 lacs.40 lacs, 50 lacs . This isincluding the Basic Sum Insured limit. Option for 40 lacs and 50 lacs will be effectivefrom 01-04-2018.1/4th of the premium is paid by employee and 3/4 th by the corporation. Sharing ofpremium by LIC will be applicable for i) the employee, ii) spouse, iii) two dependentchildren, for in-service Employees. Sharing of premium in case of Retired employees willbe for i) the retired. employee, ii) spouse, iii) disabled children only. Retired employeesare eligible to be covered under the Scheme without any restriction in upper age. There is a provision for granting advance by LICI.

http://10.240.71.51/pers/era/CO_ER-A_164 dtd 23.09.2017.pdf .

CO/PER/ER-A/098/2015 Continuation parents/in-laws dated 22.06.2015.Renewal of Group Mediclaim Family Floater Policy 2015-16. CO/PER/ER-A/096/2015, dated 13/04/2015; Vide Cir No: CO/Per/ER-A/091/2014 , dt 17/12/2014 Advance Mediclaim / HCPT, Cir No: CO/Per/ER-A/062/2014 ,dt 02/04/2014. Revision Gr. Mediclaim, Cir No: CO/Per/ER-A/058/2014 Dt 04/03/2014. Vide Cir No: CO/Per/ER-A/082/2014 , dt 08/09/2014 for Regular Part timer ,


49. High Cost Protracted Treatment (HCPT)

The scheme provides for reimbursement of medical expenses incurred by the employeefor treatment of specified diseases which involves high cost and/or protracted treatment.



http://10.240.71.51/pers/era/Renewal_of_GMS.pdf

http://10.240.71.51/pers/era/era_062.pdf


http://10.240.71.51/pers/era/CO_ER-A_164%20dtd%2023.09.2017.pdf

The beneficiaries under the scheme include (1) the employee (2) spouse and (3) twodependent children.

The maximum reimbursement allowed is Rs.10 Lakh during the service period with norestriction on the number of occasions to avail this. There is a provision of granting advance also.Please refer to Cir. No: CO/Per/ER-A/059/2014 Dt 04/03/2014, and for Advance Cir No: CO/Per/ER-A/062/2014 dt02/04/2014. And Cir No: CO/Per/ER-A/ 073/2014 , dt 10/06/2014

50. Employees Relief Fund

The purpose of this scheme is to grant monetary relief to employees who suffer fromprolonged ailments involving heavy medical expenses or to those who may be affected bynatural calamities. Under the scheme only those cases are considered where there is no further scope for thedistressed employee to get any relief under any of the other available schemes includingloan from PF and Co-operative Credit Societies. The monetary assistance is given in the form of ex-gratia payment and/or interest freeloan recoverable from the salary of the employee in 25 monthly installments. At present the relief is granted as under:

Person Ex-gratia Interest free loanEmployee Rs.10,000/- Rs.10,000/-Spouse Rs. 5,000/- Rs. 5,000/-Dependent Children Rs.3,000/- Rs. 3,000/-

51. Allowance for working at Mini Offices

The allowance is 10% of basic Pay [Pay means only Revised Basic Pay drawn by theemployee] subject to a maximum of Rs. 3000 w.e.f. 01/08/2012.

Please refer to Circular No: CO/Per/ER-A/128/2016 dt 13/05/2016.CO/Per/ER-A/094/2014 , dt 26/03/2015 ; CO/Per/ER-A/068/2014 , dated 08/05/2014, and CO/Per/ER-A/033/2013 , dt 24/06/2013


52. Payment of Gratuity:

As per rules of the Corporation, employees who have completed 15 years of service are eligiblefor gratuity. First, gratuity is calculated as per rule of the Corporation and then it is calculated as


http://10.240.71.51/pers/era/ER_033.pdf

http://10.240.71.51/pers/era/cir_68_08052014.pdf

http://10.240.71.51/pers/era/cir_094_26.3.2015.pdf

http://10.240.71.51/pers/era/circular%20128_13.05.2016.pdf




http://10.240.71.51/pers/era/HCPT.pdf

per payment of gratuity act, 1972. As per Act Gratuity is payable after 5 yrs of service. Gratuityadmissible is either the one determined as per Corporation rules or the one determined as per theprovision of Gratuity Act, whichever is more favourable. The maximum gratuity as per rule ofthe Corporation for class-I & class-II officers is 15 months terminal pay for first 30 yrs ofservice and thereafter half month for each complted yrs of service and 20 months terminalpay for Class III & class IV. The maximum gratuity as per payment of gratuity act is Rs.20lakhs.

Gratuity in case of Promotee Officers (Class-III to Class-I): In case of Class-I Officerspromoted from Class-III, the gratuity shall not be less than what would have been admissible tohim had he continued as a Class-III employee, when the gratuity becomes due.

Group Gratuity Scheme: In case of death of an employee/officer while in service the amountof gratuity will be equal to the amount the employee would have received had he survived andcontinued in service till his normal date of retirement.

Class I & II Officers In case of death of an Officer while in service, regardless of the number ofyears of service, under the Group Gratuity Scheme the higher of the following is payable:

Based on the salary drawn as on the date of death and length of service which theOfficer would have put in had the Officer served up to the normal date of retirement.As per Payment of Gratuity Act:At the rate of 15 days salary drawn as on the date of death for a length of service which the Officer would have put in had the Officer served up to the normal date of retirement, subject to a maximum of ` 20,00,000/-

Class III & IV EmployeesIn the event of death of a Class III or IV employee while in service of the Corporation, Gratuity would be paid on the basis of the length of service which the employee would have put in, had theemployee served up to the normal retirement date.

a. Death before completing 15 years of service:i. Based on the basic salary drawn as on the date of his death and service

up to his normal date of retirement, Maximum limit 20 months’ terminal Basic Pay.

ii. At the rate of 15 days salary for each completed year of service, which the employee would have completed, had he survived and served upto his normal retirement age subject to a maximum ` 20,00,000/-

b. Death after completing 15 years of service:i. Based on the basic salary drawn as on the date of his death and service up to his normal

date of retirement, Maximum limit 20 months’ terminal Basic Pay.ii.:At the rate of 15 days salary for each completed year of service, which the employee would have completed, had he survived and served upto his normal retirement age.iii. At the rate of one month salary (as desired in the provision (a)) for each completed

year of service up to the date of his death subject to a maximum of ` 10,00,000./-FORM OF NOMINATION FOR GRATUITY


52A. Additional Gratuity (for Class-I and Class-II Officers):


• The Scheme shall apply to confirmed whole time Class I and Class II Officers ofthe Corporation.

• In the case of Class III employees promoted to Class I the Scheme shall apply from the date of their promotion to Class I. Service prior to promotion is also counted for this purpose.

• The officer should have a qualifying policy ( Endowment or whole life policy) • GSLI policy is qualified and is treated as Endowment Policy for this purpose.

In every five years of service:Term cover shall increase by Rs.1000/= if the officer possesses endowment policy and byRs. 1250/= if he possess whole life policy

Class I Officer

Type of policy inpossession

Benefits of term cover Minimum Maximum

Event when payable

1.Endowment 4000 8000 Retirement/ Death

2. Whole life 5000 10000 Retirement/ Death

Terms Assurance/Free Insurance (For Class-III/IV Employees):

a) Terms Assurance(on Death)

Total service from confirmation

Class-IIIEmployees

(Rs.)

Class-IVEmployees

(Rs.) Less than 5 years 4500 2250 5 years Or more but less than 10 years 6000 3000 10 years or more but less than 15 years 7500 3750 15 years or more but less than 20 years 9000 4500 20 years or more but less than 25 years 10500 5250 25 years or more 12000 6000

b) Free Ins. (on Retirement)

• Class III & IV employees retiring from the services of the Corporation arepaid Free Insurance Benefit of ` 3,750/ - for Class III and ` 3,000/- for ClassIV employees.


53. Provident Fund:


Employees Contribution 10% of pay Corporations Contribution Matching contribution(10% of pay)

In case employee opted for PensionCorporation's contribution shall be made to Pension Fund.

In case of employee who has not opted for Pension

Corporation’s contribution shall be made to Provident fund.

Provided that these rules shall not be applicable to the officers/employeesjoining the service of the corporation on or after 01.04.2010 and they shall becovered by a Defined contribution Pension Scheme. Since, theseemployees/officers are covered by Defined contribution Pension Scheme;they will cease to be governed by LIC of India (Employees) Pension Rules,1995 and LIC of India Provident Fund No.1 Rules. Therefore, no deductionfrom salary against Employees Contribution to Provident Fund is to be madein respect of such employees.FORM OF NOMINATION FOR PF 1

54. Pension:

Employees on superannuation with minimum 10 years of active service or on voluntaryretirement with 20 years of continuous service are eligible for pension. The total pensionincludes basic pension, additional basic pension and dearness allowance. The basicpension is equal to number of qualifying years of service divided by 33 multiplied by theaverage emoluments for the last ten months. The minimum pension is Rs.3010/- permonth. Maximum of 1/3 rd of Basic Pension can be commuted.

Family Pension: It is payable to spouse or children below 25 years (in respect of son,unmarried daughter), in the event of death of an employee while in service or afterretirement or even if the death occurs during probation period. Basic Family Pensionplus additional Family Pension should not be less than Rs.3010/- per month.

Compassionate Allowance: Competent Authority may grant at his discretion aCompassionate Allowance to an employee who is dismissed, removed, terminated orcompulsorily retired which shall not exceed 1/3 rd of Basic Pension and not less thanminimum pension.

Invalid Pension: Employee with minimum 10 years service and retired from service onaccount of bodily or mental infirmity will be eligible for Invalid Pension.

Identity Cards will be issued to all the retired employees and family pensionersat Corporation’s cost on submitting the photograph size 2.5 X 2 cm by the retiredemployee.



54 A: Pension Scheme (DCPS), 2010: [For Information Only]

Employees joined on or after 01.04.2010 are covered by DCPS. [Defined Contribution ofPension Scheme, 2010.]

Under this scheme, 10% of basic pay plus Dearness Allowance is deducted per monthand Corporation contributes an equal amount to the scheme.

Both contributions will go to Pension Corpus.

Provident Fund benefits are not admissible.

Pension and commutation shall depend on the accumulated Corpus, type of annuity(Pension) selected and annuity rates available at the time of vesting.

In case of death of an employee while in service, the nominee shall have an option toreceive cent per cent of the accumulated Pension Wealth in lump sum or may purchase alife annuity from any IRDA regulated Life Insurance Company.

On retirement, the retired employee may commute maximum of 1/3rd of Pension Wealthand the balance pension wealth will be utilized to purchase an annuity from any IRDAregulated Life Insurance Company.

On resignation, 20% of available Corpus will be paid as commutation and balance 80% tobe utilized for the purpose of pension.

55. Group Savings Linked Insurance Scheme (GSLI)

CategoryBasic Pay

(Rs)

RevisedBasicPay

w.e.f01-11-2016

LifeCover(Rs)

TotalLife

CoverPremium (Rs)

Corporation’s Share ofLife CoverPremium

(Rs)

MonthlyContribution of

Employeetowards

LifeCover(Rs)

Savings(Rs)

I50810 &Above

97150 & above 2000000 440 110 330 817

II35,300-50809

67415 TO 97149

1700000 372 93 279 691

III24,800-35,299

47285 TO 67414

1300000 284 71 213 527

IV12,855-24,799

24385 TO 47284

850000 184 46 138 342

V 7,115-12854 13435 600000 132 33 99 245


TO 24384

VI Below 7115Less than 13435

350000 76 19 57 141

GSLI scheme year commences from 1st November of every year

GSLI scheme is compulsory for all employees who have joined the organization on or after 01.11.1987

[ In lieu of GSLI Policy, New Group Insurance Policy is applicable for employeeswho have joined the Corporation on or after 1st November,2013 ]

Every member, at the time of entry into the scheme, has to appoint one or more beneficiaries in Form IV (wife/child/children/dependants)

In case of absence of any of the persons mentioned above, the employee will haveto appoint one legal representative whom the accumulated money can be paid in case of death while in service.

Vide Cir No: CO/Per/ER-A/077/2014, dt 04/08/2014 for new member restriction Form of Appointment of Beneficiary (GSLIS)

55A.New Group Insurance Policy in lieu of GSLI Policy

Category Basic Pay (Rs)

Revised BasicEffective From 01/04/2016

Life Cover (Rs)Total Life

CoverPremium (Rs)

I 50,810/- & above97150 & above 2000000 323.33

II 35,300/-to -50,809/-67415 TO 97149 1700000 274.83

III 24,800/--35,299/-47285 TO 67414 1300000 210.17

IV 12,855/--24,799/-24385 TO 47284 850000 137.42

V 7,115/--12,854/-13435 TO 24384 600000 97

VI Below 7,115/-Less than 13435 350000 56.58

This New Group Insurance Policy (Life Cover only without DAB) is compulsory and applicable for those employees who join/ have joined the services of the Corporation on or after 01/11/2013. This is in lieu of GSLI Policy. [Savings portions of premium, if any, deducted earlier will be refunded.] Basic pay as on 1st April will be the basis for life coverand premium for the following policy year. Advance premium will be deducted from March Salary. Policy anniversary date is 1st April and new entrants joining after this date


http://10.240.71.51/pers/era/cir_077_4.8.2014.pdf

will become member from the next policy year [ same as in case of change of category orchange in basic pay].Master policy holder: ED(P),CO, Mumbai. Pl find circular no: CO/Per/ER-A/099/2015 , Date: 10/07/2015. , Co/PER? ER_A/182/2018 dt. 10.03.18Click to Back to Index

56. Group Insurance for Employees-2004

http://10.240.71.51/pers/era/GI Scheme for Class-III III IV.pdf dt. 05.12.17All new employees have to join this scheme from the date of probation .In case of death, claims have to be preferred by the nominee at the office where the employee worked last. That office will forward the claim form along with the certified premium position and a copy of Death Certificate to the concerned P&GS department. The P&GS department will pay the claim amount to the respective OS department of LIC. Nomination FORM OF APPOINTMENT OF BENEFICIARY GI 2004

57. GTIS-1997 (for employees who opted for pension) [Revised Category as shown below will be effective from 1/09/2016]

Cover (Basic PayRange) (Rs)

Term Cover (Rs)Premium Per Month

(Rs)97150 & above 24,00,000 550.0067415 TO 97149 20,00,000 458.3347285 TO 67414 14,00,000 320.8324385 TO 47284 10,00,000 229.1713435 TO 24384 5,00,000 114.58Less than 13435 3,00,000 68.75

This scheme is for those pension optees who are governed by LIC of India (Employees) Pension Rules, 1995 and joined GTIS 1997 scheme.


http://10.240.71.51/pers/era/GI%20Scheme%20for%20Class-III%20III%20%20IV.pdf

http://10.240.71.51/pers/era/GI%20Scheme%20for%20Class-III%20III%20%20IV.pdf

http://10.240.71.51/pers/era/newGI_cir_99_072015.pdf


The Scheme is non contributory. This is a family benefit scheme in the event ofdeath of employee while in service. Every member has to appoint one or morebeneficiaries.

Please refer to Circular No: CO/Per/ER-A/078/2014 ,dated09/08/2014.

58. Encashment of PL

In service employees can avail PL encashment once in a Block of 2 CalendarYears.Current Block: 01/01/2014 to 31/12/2015. Next Block: 01/01/2016 to 31/12/2017.

EventMaximum No. of days

Formula

In Service 15

Basic Pay, Spl Allow, Other Allow Excluding Functional Allow, HRA, Entertainment Allow.

(Salary+ Eligible Allow) ÷ 30 days (for all months) X No of PL

Retirement 240Unavailed PL x Terminal salary excluding HRA, CCA, Transport Allowance and Functional Allowance.

Death 240 Unavailed PL x Leave Salary

For PL Encashment vide Cir No: ZD/1205/ASP/2012 dt10/07/2012

59. Retirement Traveling Allowance:

Class-I/Class-II officers occupying Staff Quarter/Leased Accommodation can claimRetirement Traveling Allowance for shifting to Home Town or reimbursement in lieu ofRetirement Traveling allowance for shifting to a local place not later than the monthfollowing the month up to which he/she has been permitted to retain the StaffQuarter/Leased Accommodation.

In cases where Staff Quarter/Leased Accommodation is not occupied, Retirement Traveling Allowance either on retirement or death may be claimed beyond the stipulated period of six months up to a period of one year from the date of actual retirement or date of death as the case may be with specific permission from the Competent Authority.


http://10.240.71.51/pers/circular/ZD_1205_10072012.PDF

http://10.240.71.51/pers/era/Circular_78.pdf

For Declared Home Town

Entitled class for ZM (O) and above is Air fair and for other officers AC II tier alongwith family members and cost of transportation.

For Settling in the same place

Where the transportation of household goods does not require engaging a lorry, then themaximum reimbursement will be in metros Rs.2000 and Rs.1000 in other places. Wherethe transportation requires a lorry then reimbursement of transportation cost will be madesubject to production of relevant receipts/voucher. In this case the limit is in metros actualsubject to a maximum of Rs.6000/- and in other places actual subject to a maximum ofRs.4000/-. Apart from this loading and unloading charges are also reimbursable. Inmetros both loading and unloading charges are actual subject to a maximum of Rs.2000/-each and in other places actual subject to a maximum of Rs.1000/- each.

Vide [ Cir No: CO/Per/ER-A/081/2014 ,dt 04/09/2014 , CO/Per/ER-A/064/2014 , Dt 03/04/2014] AND ZD/1148/ASP/2010 DT 06/03/2010

60. Housing Loan Scheme:

Quantum of Loan:


EARLIER REVISED ( Revised w.e.f. 01/04/2016)

CADRE LOAN AMOUNT (Cadre + Extended)

CADRE LOAN @ 5%,

EXTENDED CADRE LOAN : @8.5%,

TOTAL AMOUNT OFLOAN

Class –IV (Sweepers/peons/Drivers

8,00, 000 13,25,000 16,75,000 30,00,000

Class-III (Record Clerks)

10,50,000 17,25,000 20,75,000 38,00,000

Class-III (Assistant/ Stenos/ HGA

12,00,000 20,75,000 24,25,000 45,00,000

Class-II (Development Officers)

13,00,000 21,25,000 28,75,000 50,00,000

Class - IAAO / AO 16,00,000 28,00,000 32,00,000 60,00,000

ADMs 18,00,000 28,75,000 34,25,000 63,00,000

DM / SDMs 18,00,000 33,00,000 37,00,000 70,00,000

ZM (O) / ZM (S) 20,00,000 36,00,000 44,00,000 80,00,000




Outstanding Extended Cadre Loan as on 31/03/2016 shall be converted to CadreLoan as per Table above w.e.f :01/04/2016. Subsidy for conversion is to be given toemployees’ Salary from April, 2016 onwards.

If an employee has taken housing loan on market rate from LICHFL or any otherFinancial Institution, the same can be converted up to the limit as per above Tableon written request to LICHFL and subsidy of such amount will be allowed from thedate of conversion / taking over by LICHFL.

General Rules:

All confirmed employees are eligible. Second Housing Loan will be sanctioned only after expiry of five years from the

date of disbursement of last installment of 1st Housing Loan but quantum will be the balance amount after deduction of 1st loan availed.

Housing Loan can be availed for purchase of ready-built Flat / House, under Constructions Flat, Plot (from Boards / Authorities) ,for Construction / extension of House, Repairs and Renovations of Flat / House, for any other purpose to enhance comfort/ utility of flat/ house.

Loan shall not exceed 85% of total property value including stamp duty and registration fee.

Other sources of income including salary of spouse, etc. may be taken to ascertainrepayment capacity.

On exit by way of retirement, resignation, termination, dismissal, removal, discharge etc. the benefit for special corporate rate for LIC shall cease.

The Cadre Loan and Extended Cadre Loan with interest will be repayable over a period of 25 years or till the date of retirement whichever is earlier or 70 years of age in case of pensioners.

EMI will be calculated notionally for 25 years or up to retirement or 70 years of age in case of pensioners, when residual service is less than 25 years on the date of sanction of Loan.

Click to Cir No: CO/Per/ER-A/127/2016 Dt: 26/04/2016For details please refer to circular Ref: CO/HPF/735, Date: 04/03/2010.

------------------------------------------ x-------------------------------------------------



http://10.240.71.51/pers/era/Circular_127_26.4.2016.pdf

Special Guidelines for all the employees

1. Nominations for Group Personal Accident Insurance, Provident Fund, Group SavingsLinked Insurance, Group Insurance and Group Term Insurance for pension optees are amust for all the employees. The employees are expected to take initiatives to collect theseforms and submit these to the offices they are attached with.

2. There are some payments in respect of which the employee has to keep the records inhis own personal file. They should keep copies of last reimbursement particulars inrespect of purchase of mobile phones, brief-cases, newspapers/magazines etc.

3. There are some employee benefits in respect of which the employee has to takeinitiative to avail them in time. These benefits are not made available by the officeautomatically. Benefits like leave encashment in a particular block, LTC to be availed ina particular block, preventive medical checkups etc have to be availed by the employeeby checking his eligibility.

4. Regarding preventive medical check-up, the employee has to talk to the concernedHospital/ Nursing Home to fix date of appointment and then present himself at thehospital. The employee has to see the list of hospitals to choose from. This list can getupdated from time to time.

5. Regarding LTC, there is a list of approved tour operators. The employee needs to seethe list before booking seats with a particular operator. A particular operator may haveworked with us for a long time but may be a blacklisted one at the moment due to variousreasons.



Relevant circulars:CIRCULAR NO DATE SUBJECT

CO/OS/Mobile/2016/02CO/Per/ER-A/128/2016

06/01/2016

13/05/2016Mobile Handset

Allowance Mini Office

CO/Per/ER-A/127/2016 26/04/2016 Housing LoanCO/Per/ER-A/124/2016

16/04/2016 MediclaimCO/Per/ER-A/123/2016

01/04/2016 Festival AdvanceCO/Per/ER-A/119/2016

29/02/2016 Officiating Cashier AllowanceCO/Per/ER-A/118/2016

29/02/2016 LTC – on line receipt / Toll TaxCO/Per/ER-A/117/2016

22/02/2016 Health Check-upCO/Per/ER-A/115/2016

12/02/2016 MediclaimCO/Per/ER-A/114/2016

12/02/2016 GICO/Per/ER-A/111/2016

15/01/2016 Revision ClassIII & IVCO/Per/ER-A/110/2016

15/01/2016 Revision Class-IICO/Per/ER-A/109/2016

15/01/2016 Revision Class-ICO/Per/ER-A/105/2015

30/09/2015 Officiating CashierCO/Per/ER-A/103/2015

01/09/2015 Tea-CoffeeCO/Per/ER-A/102/2015

01/09/2015 Meal Coupons

CO/Per/ER-A/101/2015 08/08/2015 Education Advance

CO/Per/ER-A/100/2015 10/07/2015

Conversion of four wheeler Scheme from AAO/AO to ADM/DM Scheme on Admn side

CO/Per/ER-A/099/2015 10/07/2015 New GI Scheme in lieu of GSLI

CO/PER/ER-A/Res/PWD/C.A08/07/2015 Conveyance Allowance Hearing and Speech Impaired

CO/Per/ER-A/098/2015 22/06/2015 MEDICLAIM

CO/PER/ERA/LTC/RRB05/06/2015 LTC Clarification

CO/Per/ER-A/096/2015 13/04/2015

Renewal of Group Mediclaim Family Floater Policy for the Year 2015-16.

CO/Per/ER-A/095/2015 08/04/2015 Review of procedure for claim settlement under LTC

CO/Per/ER-A/090/2014 26.11.2014 Group Insurance Scheme for Corporation employees

CO/Per/ER-A/089/2014 20/11/20 24 Hours GPAP – 2014-


http://10.240.71.51/pers/era/Renewal%20of%20GPA%20Policy%202014-15.pdf

http://10.240.71.51/pers/era/GI_Cir_90_26.11.2014.pdf

http://10.240.71.51/pers/era/Cir%20a-95_ltc.pdf

http://10.240.71.51/pers/era/mediclaim_201516_cir96.pdf.pdf

http://10.240.71.51/pers/era/circularletters/LTC-%20Clarification%20of%20circular%20095.pdf

http://10.240.71.51/pers/era/ER_a_98_2015.pdf

http://10.240.71.51/pers/era/circularletters/pwd_clarification.pdf




http://10.240.71.51/pers/era/circular%20%20102_food_coupons_201516.pdf

http://10.240.71.51/pers/era/Circular%20103_tea_coffee%20serving%20limits.pdf

http://10.240.71.51/pers/era/officiating%20Cashiers_cir%20105_2015.pdf

http://10.240.71.51/pers/era/instructions%20class%20I_new.pdf

http://10.240.71.51/pers/era/instructions%20class%20II_new.pdf

http://10.240.71.51/pers/era/instructions%20class%20III,%20IV_new.pdf

http://10.240.71.51/pers/era/circular_era_114_2016.pdf

http://10.240.71.51/pers/era/circular_era_115_2016.pdf






http://10.240.71.51/pers/era/Circular_127_26.4.2016.pdf

http://10.240.71.51/pers/era/circular%20128_13.05.2016.pdf


14CO/Per/ER-A/087/2014 08/11/20

14Conveyance Allowance to Hearing and Speech Impairedemployees

CO/Per/ER-A/081/2014 04/09/2014

Reimbursement of expenses incurred on shifting of personal belongings [RTA]

CO/Per/ER-A/080/2014 01/09/2014

Meal Coupons to the Officers/Employees working in LIC offices

CO/Per/ER-A/078/2014 09/08/2014 Group Term Insurance Scheme, 1997

CO/Per/ER-A/074/2014 23/06/2014 Grant of Vehicle Advance to Sweeper cum Attendant

CO/Per/ER-A/070/2014 12/05/2014 Leave Travel Concession

CO/Per/ER-A/064/2014 03/04/2014 Retirement Traveling Allowance

CO/Per/ER-A/062/2014 02/04/2014

Advance against Reimbursement against Group Mediclaim Policy/Ex-gratia for HCPT scheme

CO/Per/ER-A/059/2014 04/03/2014

Ex gratia reimbursement of Medical Expenses for High Cost Protracted Treatment (HCPT)

CO/Per/ER-A/058/2014 04/03/2014

Revision of limits of cover under Group Mediclaim Scheme

CO/Per/ER-A/057/2014 04/03/2014 24 hours Group Personal Accident Policy

CO/Per/ER-A/053/2013 10/01/2014 Group Insurance Scheme – service tax

CO/Per/ER-A/051/2013 19/12/2013

Advance against Natural Calamities viz Flood, earthquake, cyclone etc.

CO/Per/ER-A/049/2013 21/11/2013

Group Insurance Scheme for Class- I, Class-II, Class-III& Class- IV Employees of the Corporation.

CO/Per/ER-A/045/2013 08/10/2013

Renewal of 24 Hours Group Personal Accident Policy forthe year 2013-14.

CO/Per/ER-A/041/2013 02/09/2013

Scheme of Providing Meal Coupons to the officers/employees working in LIC Offices. .

Ref:CO/OS/Mobile/ 2013-14 / 03

01/07/2013 Providing Mobile handset to officers for official purposeCO/Per/ER-A/033/2013

24/06/2013Payment of Special Allowance to Officials posted at MiniOffices.

CO/Per/ER-A/026/2013 12/03/2013 Preventive health Check-up Scheme.

CO/Per/ER-A/023/2013 11/03/2013

Advanced for Purchase of Computer/Laptop, Ipad/Tabletto employees of the Corporation.

CO/Per/ER-A/018/2012 31/12/2012

Modification to LIC Of India (Leave Travel Concession) Instructions, 1994 - LTC after Superannuation

CO/Per/ER-A/016/2012 24/12/2012

Revision in the limit of Reimbursement of lodging charges at hotels to employees on official tour.

CO/Per/ER-A/013/2012 12/12/2012

Mobile Expenses Reimbursement to AAOs,AOs,ADMs and DMs on Administration side.

ZD/1205/ASP/2012 10/07/2012Encashment of Privilege Leave by employees while in service

ZD/1203/ASP/2012 21/06/2012 Monetary limits for serving Tea/Coffee

CO/HRD/SPR/108/11-12/011 19/09/2011 Special Sports allowance

ZD/1184/ASP/2011 01/04/2011LIC Employees' Group Term Insurance Scheme (GTIS),1997 (Increase in Term Cover)



http://10.240.69.61/hrdod/sports/sport_circulars/Special%20sports%20allowance.pdf



http://10.240.71.51/pers/era/MOBILE_CHARGES.PDF

http://10.240.71.51/pers/era/HOTEL_CIRCULAR.pdf

http://10.240.71.51/pers/era/LTC_RETIRE_2012.pdf

http://10.240.71.51/pers/era/comp_advance.PDF

http://10.240.71.51/pers/era/preventive.PDF

http://10.240.71.51/pers/era/ER_033.pdf

http://10.240.69.61/eos/estweb_1/COOSCIR1314-3.pdf


http://10.240.71.51/pers/era/GPA_24HOURS.pdf

http://10.240.71.51/pers/era/GI049_21112013.pdf

http://10.240.71.51/pers/era/CO_Per_ERA_051_20131219.pdf

http://10.240.71.51/pers/era/ERA_053_Group_Insu_Sch_Servicetax.pdf

http://10.240.71.51/pers/era/GPA.pdf

http://10.240.71.51/pers/era/Renewal_of_GMS.pdf

http://10.240.71.51/pers/era/HCPT.pdf





http://10.240.71.51/pers/era/Circular_78.pdf



http://10.240.71.51/pers/era/Conveyance%20Allowance%20to%20Hearing%20and%20Speech%20Impaired%20Employees.pdf

Ref : CO/OS/P&S/JND/2011/22

10/03/2011 Supply of brief case/leather bags to class-I officers

CO/OS/OA/VPT/2010/13 01/01/2011 Reimbursement of Broadband Usage ChargesZD/1170/ASP/2010

07/12/2010Revision of rates of Daily Allowance Payable to employees while on tour in India.

ZD/1167/ASP/201003/11/2010 Revision in quantum of Festival Advance

ZD/1155/ASP/201014/06/2010

Instructions for implementation of the Life Insurance Corporation of India (Special Allowance for in-house Development of Actuarial Capability) Amendment Rules,2010.

ZD/1148/ASP/201006/03/2010 Retirement Traveling Allowance

CO/HPF/ 735 04/03/2010 Revision in Housing Loan Scheme for EmployeesZD/1122/ASP/2008

26/04/2008LTC to Andaman & Nicobar islands and Lakshadweep islands

ZD/1121/ASP/200811/04/2008 Daily Allowance for journey to Foreign Countries

ZD/1114/ASP/200717/11/2007 Foreign LTC

ZD/1044/ASP/200429/04/2004 Reimbursement of cost of Daily/Magazine

OLI/ABC/Region/ZD/07/2002 26/10/2002 Incentive for passing Hindi ExaminationZD/956/ASP/2000

31/05/2000Scheme of Advance for purchase of Vehicles to Class-I Officers on Administrative side



http://10.240.71.51/pers/era/ZD_956_ASP_2000.PDF

http://10.240.71.51/pers/circular/ZD%201044.htm








http://10.240.69.61/eos/estweb_1/BRIEFCASE%20REVISION%20CIRCULAR.doc

Some Specimen Forms & Charts

Declaration for Assignment (GPAI)

I, ----------------------------------------------(Name in full) do hereby assign the moneypayable by the New India Assurance Co. Ltd. Under Group Personal Accident Insurancepolicy No …………………………….. in the event of my death to my ---------------------(mention relationship with the Insured), Mr/Mrs/Miss ------------------------------------------(Name in full) and I further declare that receipt shall be a sufficient discharge to theCompany.

(Signature) ----------------------------------------------

At ------------------------------------- Designation ------------------------------

Dated --------------------------------- S.R. No ----------------------------------

Witness: ------------------------------ Place of Posting -------------------------

Signature ----------------------------

Name --------------------------------



Form of Appointment of Beneficiary (GSLIS)

I, ---------------------------------------------- (Name in full) an Insured member of the LifeInsurance Corporation of India Group Savings Linked Insurance Scheme hereby appointin terms of Rules No 8 headed “Appointment of Beneficiary” of the Rules governing theScheme my (relationship) named ------------------------------------------------------ and whoseaddress is ---------------------------------------------------------------------------------------------asthe person to be the beneficiary to whom the moneys payable in terms of the rules of thescheme shall be paid in the event of my death.

Signed at --------------------- this --------- day of ----------------------------

Signature of the Insured member ----------------------------------

Designation -------------------------

S.R. No ------------------------------

Witness: ------------------------------ Place of Posting ---------------------

Signature ----------------------------

Name --------------------------------


FORM OF APPOINTMENT OF BENEFICIARY

(NOMINATION FORM UNDER GROUP INSURANCE SCHEME FOR CLASS-I/II/III/IV EMPLOYEES OF THE CORPORATION-2004 )

I _____________________________________ an insured member of theLife Insurance Corporation of India’s Group Insurance Scheme for Class-I/II/III

and IV Employeeof the Corporation -2004 do hereby appoint my (Relation) _______________________________ Named_________________________________________________________ and whoseaddress is _______________________________________________________________________________ _______________________________________________________________________________ as the person to be Beneficiary to whom the moneys payable in terms of the Rules of the Scheme shall be paid in the event of my death.

Signed at___________________ this ________ day______________ of ___________20

Witness By Signature of Insurance Member1.____________________ Salary Roll No.______________ (Signature ) Designation _________________Name __________________ Place of Posting_______________Address_________________

2._______________________(Signature )

Name____________________Address__________________


C.O.CIRCULAR REF:-NO-ZD/1051/ASP/2004DATED : 18/10/2004

( TO BE FILLED IN DUPLICATE )

LIFE INSURANCE CORPORATION OF INDIA

FORM OF NOMINATION

To,THE ZONAL MANAGER,

L.I.C.OF INDIA,

________________

I, Sh/Smt./Kum.______________________________________ anemployee of the Life Insurance Corporation of India whose particulars are given below inthe statement, do hereby nominate the person(s) mentioned below to receive the Gratuitypayable under the payment of Gratuity Act-1972/under the rules of Life InsuranceCorporation Of India notified and amended from time to time by the Central Governmentunder Section 48 of the Life Insurance Corporation Act-1956 and is as applicable to me,after my death as also the Gratuity standing to my credit in the event of my death beforethe amount has become payable or having become payable has not been paid and directthat the said amount of Gratuity shall be paid in proportion indicated against the name(s)of the nominee(s).

NOMINEE(S)

NAME IN FULL ADDRESS OF NOMINEE(S)

RELATION WITH THE EMPLOYEE

AGE OF NOMINEE

PROPORTION BY WHICHGRATUITYWILL BE SHARED


PAGE-(2)

2. I hereby certified that the person(s), mentioned is/are a member(s) of myfamily within the meaning of Clause (h) of Section-2 of the payment ofGratuity Act-1972 and is/are dependent upon me.

3. I hereby declare that I have no family within the meaning of Clause(h) ofSection-2 of the said act and should I acquire family herein after, the abovenomination should be deemed as cancelled.

4. (a). My father/mother/parents is/are not dependent on me.(b). My husband’s/my wife’s father/mother/parents is/are not dependent on

my husband/wife. 5. Nomination made herein above invalidates my previous nomination. 6. I,Sh/Smt./Kum_____________________________________ given below thename address and relationship of the person(s) to whom the right conferred on thenominees named above shall pass in the event of the nominees predeceasing me or thenominee dying after my death, but before receiving the payment of Gratuity.

NAME IN FULL ADDRESS OF NOMINEE(S)

RELATION WITH THE EMPLOYEE

AGE OF NOMINEE

PROPORTION BY WHICH GRATUITYWILL BE SHARED

NOTE:-(i) In case the Nominee(s) is/are minor(s),the employee may appoint aGuardian in Form-B (Revised).(ii) Strike out the words and paragraphs not applicable. The amount/share of

Gratuity shown in this column should cover the whole amount share payableto the nominees.

7. The above nomination shall become invalid in the happening of______________________________ (specify the contingency).


(3)ANNEXURE – I

STATEMENT OF THE EMPLOYEE

1. Name of the Employee : ____________________________________2. Sex : ____________________________________3. Religion : ____________________________________4. Date of First Appointment : ____________________________________5. Date of Confirmation : ____________________________________6. Post held : ____________________________________7. S.R. No. : ____________________________________8. Father’s name : ____________________________________9. Husband’s name : ____________________________________

(For married women only)10. Marital Status : ____________________________________

(Whether married/unmarried/widow/widower)11. Date of Birth _________ Days ________ Year _________12. Permanent Address :

________________________________________________________________________________________________________________________________________________________ Village _____________________________ Post Office____________________ District _____________________________ State

Dated this _________________ day of ______________ year _______________at ___________________________

_______________________Signature / Thump impression(if illiterate) of the Employee.

DECLARATION BY WITNESS

Fresh nomination signed/thumb-impressioned/impressed before me after he/she has read the entries. The entries have been read over to him/her by me.

NAME IN FULL & FULL SIGNATURE OF WITNESSESADDRESS OF WITNESS

1. __________________________ 1. ________________________

2. __________________________ 2. ________________________

Place :Date :________________________________________________________________________If signature of the nominee is in vernacular then he/she should declare his/her in ownhandwriting above his/her signatures that the contents were explained to him/her and thathis/her replies were given after fully understanding.


LIFE INSURANCE CORPORATION OF INDIAPROVIDENT FUND-I

THE TRUSTEES,THE LIFE INSURANCE CORPORATION OF INDIA, NOMINATION NO-PROVIDENT FUND NO-I REGD. NO-NEW DELHI

Signature of OIC of PF Deptt.

I ___________________________________ a member of the Life InsuranceCorporation of India, Provident Fund No. I do hereby nominate under Rule-22, theperson(s) mentioned below to whom the sum standing to my credit in the abovementioned fund at my death should be paid in the event of the said nominee/nomineessurviving me, if in the event of any of the nominees mentioned below predeceasing me,the payment should be made to the survivor or survivors of them:-

NAME OF NOMINEE ORNOMINEES

RELATION AGE OF NOMINEE(S) AMT. OF SHARE OFPROVIDENT FUND

1. Certified that I have no family & should I acquire family hereinafter , theabove Nomination should be deemed as cancelled.

2. Certified that my father/mother is/are dependent upon me.3. The Nomination supercedes all my earlier Nomination (s).

In witness where of I have set my hand at______________________ this_______________ Day of _______________ 20____.

( SIGNATURE OF MEMBER )

DESIGNATION_____________S.R.NO:-___________________NAME OF OFFICE___________

The above named ______________________________ has set his/her hand in theJoint presence of himself and us who at his/her request and,in such Joint presence , havehereunto subscribed our names as 1.WITNESS:- 2.WITNESS:-

SIGNATURE__________________ SIGNATURE______________________FULL NAME _________________ FULL NAME______________________DESIGNATION ___________________ DESIGNATION_____________________S.R.NO___________________ S.R.NO.___________________________ADDRESS_________________________ ADDRESS_________________________


Basic Code of Conduct of the Employees

All employees are whole time employeesAll employees of the Corporation are to make themselves available for theservices of the organization on a whole time basis in the capacity and at theplace as decided by the organization. Abide by the Regulation

Every employee shall maintain absolute integrity and devotion to duty, abideby all rules and Regulations , comply with and obey all orders.

No employee can pass important internal information to othersNo employee shall, in service or after his retirement, pass any importantofficial information to others unless and until he is ordered to do so by his/hersuperior.

Evidence: No employee can, except with the previous sanction of the competentauthority, give evidence in connection with any inquiry conducted by anyperson, committee or authority. He can give evidence before an authorityappointed by the Govt, Parliament, Corporation and Judicial inquiry. Employee must uphold the interest of the organization

It is the duty of every employee to serve the Corporation honestly andfaithfully, to promote the interest of the Corporation and show courtesy andattention while discharging duties.

It shall be the duty of every employee to prevent any member of his familyfrom taking part in, subscribing in aid of or assist in any other manner anymovement which tends directly or indirectly to be detrimental to the interestof the Life Insurance Corporation or of the Government. No employee can take part in an election to any legislature or local authority.The employee can do so only if the Chairman of the organization allowshim/her to do such acts. No employee can participate in a radio broadcast or write any articlein newspaperNo employee is allowed to be associated with the editing or managing of anynewspaper or periodical. No employee can, except with the previous sanctionof the Corporation, can contribute any article or write any letter to anynewspaper or periodical or say something on a radio broadcast. However, nosuch sanction is required if the employee’s contribution is of a purely literary,artistic or scientific character.


No employee can take up any full or part time job outside theorganizationNo employee can, except with the previous sanction of the Corporation,undertake any full or part time work for a public or private body, privateperson, whether stipendiary or honorary.

No employee shall engage himself directly or indirectly in any trade orbusiness without the approval of the commission.

Employee or his/her spouse can not be an insurance agent of LICNo employee of the Corporation shall be permitted to act as an LIC insuranceagent and no employee shall allow any member of his family to act as an LICagent. An employee can not take leave without the permission of thecompetent authorityAn employee can not absent himself from his duties without having obtainedthe permission of the competent authority, nor shall he absent himself incase of sickness or accident without submitting a medical certificatesatisfactory to the competent authority. For unforeseen emergency one day’s casual leave is allowed without priorsanction. No employee shall absent himself from his station overnight, excepton duty, without the prior sanction of the competent authority. No employee or his/her spouse can accept any gift. No employee can accept any gift nor can he permit his/her spouse to acceptfrom any person any gift of more than a trifling value.

No employee can make speculative investmentsNo employee shall speculate in any investment. Habitual purchase or sale ofsecurities of notoriously fluctuating values shall be deemed to be speculationin investment .No employee shall make or permit his/her spouse or any othermember of his family to make an investment likely to embarrass or influencehim in the discharge of his duties.

Restrictions on Borrowings and Investments:

No employee can lend money to any person possessing land within the local limit of his authority. However, a small loan without interest may be given to a friend or near relative even if such persons possess land within the local limit of his authority.

No employee or his family members can borrow money from any source other than bank or reputed firms within his local limits of authority. However, a small amount of purely temporary loan may be taken from a friend or relative or bona fide tradesman.

Employees in Debt:

An employee must manage his personal affairs in a way to avoid habitual indebtedness or insolvency. If he is in debt, he has to furnish statement on


his indebtedness on 30th June and 31st December every year. There he must mention the steps taken by him to come out of his indebtedness. The employees who fail to liquidate his debt within a reasonable time or furnishesa false statement shall be liable to disciplinary action.

An employee is deemed to be in debt if his total liabilities exclusive of those which are fully secured or those taken from Employees’ Co-operative Credit Society exceed his salary for 6 months.


FILING OF RETURNS OF PROPERTY

No employee or his family members can except with the previous knowledge of LIC acquire, lease, sell or gift any immovable property in any manner.

No employee can, except with previous sanction of the competent authority, enter into any transaction with a person or firm with whom he has or had any official dealings.

Every transaction of movable property has to be reported to the Corporation immediately if the value of transaction exceeds Rs. 10,000 in case of Class-I or Class-II employees and Rs. 5,000 in case of Class-III or Class-IV employees.

Commencing from 1st April, 1995, all employees are bound to submit returns of assets and liabilities in a prescribed form to the Corporation.

In the said returns, all immovable properties acquired or owned or inherited must be mentioned. In addition all shares, debentures or other securities or cash including bank deposits held under the employee’s name has to be mentioned.

For the newly recruited employees, the first of such returns has to be submitted within one month from the date of appointment, in respect of assets and liabilities.

Suspension:

The competent authority can place an employee under suspension if there is a disciplinary proceeding against him is contemplated or pending or if any case against him in respect of any criminal offence is under investigation or trial.

An employee who is detained in custody for more than 48 hours is suspendedwith effect from the date of detention and will remain under suspension until further orders.


Subsistence Allowance

Employee under suspension is entitled to some subsistence allowances.

Treatment of the Period of Suspension:

When the suspension or dismissal etc of an employee is found to be unjustified, the employee is honourably acquitted and he becomes entitled tohis full pay and allowances which he would have entitled to in the case of non-dismissal or non-suspension, less the subsistence allowance.


Penalties:

Certain penalties are imposed on such individuals who commit any breach of regulation of the Corporation or who does anything which is detrimental to the interest of the Corporation. These penalties are as under:

(a) Censure,

(b) withholding one or more increments either permanently or for a specified period,

(c) recovery from the pay or such other amount as may be due to him of suchemployees who cause pecuniary loss to the Corporation by negligence or breach of order,

(d) reduction to a lower service or post, or to a lower time scale or to a lower stage in a time scale,

(e) compulsory retirement,

(f) removal from service which shall not be a disqualification for future employment,

(g) dismissal.

Employees would be given reasonable opportunities to defend themselves against charges mentioned above.


An employee is considered to have abandoned his post if he absents himself from duty without leave or overstays his leave for a continuous period of ninety days without any written intimation.

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Documents

(As updated up to 03.04