HELP CALL

BROCHURE

2010 EDITION

USEFUL AND IMPORTANT INFORMATION

FOR

RETIRED/RELEASED SERVICE OFFICERS

AND THEIR NEXT OF

KIN

HELP CALL

Note : To be printed on the

(Inner page of front cover)

COMMANDMENTS OF HAPPINESS

1. Speak to people - There is nothing as nice as a cheerful greeting.

2. Smile - It takes 72 muscles to frown – only 14 to smile.

3. Call people by name - Every one is pleased when you remember their names.

4. Be friendly and helpful - And others will respond in a like manner.

5. Speak and act - As if everything you do were a genuine pleasure.

6. Be genuinely - Interested in people.

7. Be generous - with praise, cautious with criticism.

8. Be considerate - With feelings of others, it will be appreciated.

9. Be thoughtful - Of the opinion of others, there will be three sides to any controversy – yours, the other persons and the right one?

10. Be willing - to give service, what counts most in life is what we do for others.

11. Never argue - With your wife.

HELP CALL

DEDICATION

HELP CALL

LIST OF CONTENTS

S.No Subject Para No

1. Medical Treatment 1-32. Ex-Servicemen Contributory Health Scheme 4-83. Medical Entitlement for Ex-Servicemen Non Pensioners 94. Financial Assistance for Medical Treatment-Non Pensioners 105. Assured Decent Last Rites Scheme 116. Army Group Insurance Fund 12-137. GIC Mediclaim Insurance 148. Cancer Insurance 15-179. Emergency Identification 18-2010. Blood Donation - Ambulance Services 21-2511. Documentation with AG‟s Branch MP-5(b) 2612. Policy of Platinum/Demise Grant 2713. Restoration of commuted amount of Pension 2814. Execution of WILL, Probate and Succession 29-37

Certificate15. Living Will 38-4216. Organ Donation 4317. What your Spouse/NOK should know 4418. Sale and Disposal of NSP Weapons and Exemption from 45

payment of fee for Arms License19. Reverse Mortgage 4620. Payment of Pension to Joint Bank Account with 47-48

Spouse21. Precautions to be taken incl Earthquakes 49-5222. Help for Funeral arrangement from Corps/Regt/Unit 53-5423. Immediate Action in case of death 55-5824. Procedure for claiming service benefits by 59-70 widow

including NRIs25. Obtaining of Canteen facilities 7126. Legal Assistance 7227. Benefit/concessions by State Governments/Others 73-7528. Concessions for Sr Citizens 7629. 6th Pay Commission Report

(a) Pension 77-78 (b) Dearness Relief 79-80 (c) Fixed Medical Allowance 81(d) Reckonable Emoluments 82 (e) Additional Pension to Old Pensioners 83(f) Recording of Date of Birth of Spouse 84-87

30. Nomination for payment of Life Time Arrears 88-8931. Fourth Pay Commission-Anomaly in Pay Fixation 90-9332. Quotable Quotes 94

HELP CALL

LIST OF APPENDICES

Ser No Appendix Subject Para No

1. A Application for Medical Entitlement Card 9Annexure 1 to Appendix „A‟

2. B Extended Life Insurance Cover after 13Retirement –AGI

3. C Payment for Platinum/Demise Grant 274. D Restoration of Commuted Pension 285. E Specimen „Will‟ 31(b)6. F Suggested format of Living Will 427. G Specimen Form for Pledge for Organ

Donation

8. H Application Form for Opening Joint Saving

Bank Account for Pension

9. J Specimen Letter for Intimation of death of Officer and Bank Manager (PDA) for Payment of Family Pension

10. K Application Form for Pension for Widow

MPB-501

43(a)

48

58-59

59(c)

11. L Application for Change of Club Membership 58(g)12. M Letter To Income Tax Authorities For Tax

Returns

13. N Specimen letter to Rajya/Zila Sainik Kalyan

Board for

Widow Identity Card

14. O Grant of Special Family Pension to Widows who re-married before 01 Jan 1996

15. P Details of Pension/Family Pension for Pre 01

Jan 2006 Cases-Officers

58(m)

58(s)

67

7716. Q Details of Pension/Family Pension for PBOR 7717. R Rate of Dearness Relief 7918. S Notification of Date of Birth of Spouse for 85

Additional Pension-80 Years and above19. T Nomination for Payment of Life Time Arrears 8920 U Quotable Quotes 94

HELP CALL

INFORMATION FOR RETIRED/RELEASED OFFICERS AND THEIR NEXT OF KIN

Medical Treatment

1. As one grows older, the availability and affordability of good medical treatment, is becoming a cause of concern. The entitlements and alternatives are discussed in succeeding paragraphs.

Medical Care Of Ex-Servicemen (ESM) – Pre-April 2003

2. While in service all ranks of the Armed Forces and their eligible dependents were entitled to full and free medical treatment. However, ESM were, on retirement, only entitled to a medical allowance of Rs. 100.00 per month for purchase of medicines or in lieu could avail free “out- patient”, treatment in service facilities. Limited “inpatient” facilities, after paying hospital stoppages, were also provided, mostly as a welfare measure, and were subject to numerous restrictions and stipulations. Such treatment did not cover major diseases. Moreover in non Military stations a pensioner had to make his own arrangements. The problem of overloading of the service Hospitals/MI Rooms due to the requirements of ESM pensioners was further compounded in 1998, when “Non-Pensioners” were also authorized to get limited medical facilities in Service facilities (subject to certain conditions). Retired service pensioners lacked a comprehensive Medicare scheme, as available to their counterparts in the Central Services. This was a cause of great dissatisfaction of the ESM and their Next of Kin. This resulted in a number of appeals, petitions and even a Public Interest Litigation being filed in the Supreme Court on 09 May 1999 by the Confederation of Ex- Servicemen Associations.

3. To provide some relief to ESM pensioners a privately funded Medical Benefit Scheme (MBS) was introduced in Apr 91 under the Army Group Insurance Fund and a similar one by the Air Force in 1993. However, these catered for high cost treatment for specified diseases and also had a ceiling on the costs. More over only the members of the schemes were eligible for such benefits.

Ex Servicemen Contributory Health Scheme (ECHS

4. As a consequence of the above, a Medicare scheme for ESM Pensioners called the Ex- Servicemen Contributory Health Scheme (ECHS) was finally sanctioned on 30 Dec, 2002, to come into effect from 01 Apr 2003. ECHS is a comprehensive scheme of medical care of ESM pensioners and their eligible dependents/next of kin, settled any where in the country and covers all diseases including cardiac, cancer, renal, joint replacement and many others. This was to be achieved through a network of 227 Polyclinics and empanelled Service/Civil hospitals. It was planned that all the Polyclinics will be established and other arrangement made by Mar 2006. The scheme would then take another two years (upto 2008) to refine and fine tune their functioning. The scheme is wholly financed by Govt of India from Public funds, through the Army budget, with marginal contributions from retiring and retired service pensioners, varying from Rs. 1800.00 to Rs. 18,000.00.

5. However due to a tremendous increase in the ESM, in 2010 approx 119 additional polyclinics have been sanctioned. Also to cater for some outlying areas where the ESM population is less than2500, some Mobile Polyclinic have also been planned.

6. All service personnel (eligible for pension) retiring wef 01 Apr 2003 and their entitled dependents will automatically and compulsorily become members of the ECHS. For those who retired prior to 01 Apr, 2003 or their widows/family pensioners, becoming a member of the ECHS was voluntary/optional. Those who do not join the scheme will continue to get Rs. 100/- pm as medical allowance and will continue to avail limited medical facilities as hither to fore. However, they shall not be permitted to use any ECHS facility. The option of joining the ECHS was to be exercised latest by 31 Mar, 2008 when the option to enter the scheme will terminate. Members of the ECHS and their dependents are issued Smart Cards which have to be produced for availing treatment facilities. As such they are advised to carry the smart card at all times. At present ECHS beneficiaries when moving to another station temporarily, need to take an authorization letter from the designated

dependent polyclinic from drawing medicines at the new station. In order to obviate this requirement,

HELP CALL

the ECHS has planned to issue upgraded “ALL INDIA” cards to the existing members. The cost of each upgraded card will be Rs 135/-. Please contact your designated Polyclinic/Stn HQ/Regional HQ for further details and procedure to be followed.

7. Since ECHS is in the initial stages, a number of changes to rules of emergency treatment, referral procedures, issue of medicines etc are likely to be made from time to time. The existing Referral Policy of Direct Referral to empanelled facilities is working satisfactorily in Non Military Stations. However, in Military Stations the referral to Empanelled facilities is only available once the Service Hospitals give non availability certificate of treatment facilities/bed space. This is creating avoidable problems for an ESM patient who is sent from one place to the other. The other problem is that the Polyclinic function only between 0800 hrs to 1600 hrs except Sundays and Gazetted Holidays. What happens to the patients outside these timings and days? Frequent changes of the “Empanelled Facilities” also creates avoidable confusion for the ESM, since in an Emergency, they do not know, where to go. You are advised to contact your local Polyclinic/Station HQ/Regional Centre

for any personal complaints/queries or at the ECHS Website: www.indianarmy.nic.in/arechs.htm.

8. Refund of Contribution to ECHS. As per the direction/judgment dated 22nd Aug 2006 passed by Hon‟able Supreme Court the ESM who retired prior to 1 st Jan 1996 were exempted from payment of contribution for becoming members of ECHS scheme. This is contained in Govt of India, Ministry of Defence letter No 17(10)/06US(WE)/D(res) dated 13 Apr 07. However, inspite of repeated reminders the Govt of India have not yet issued any orders for refund of the contribution already made by ESM who retired prior to 01 Jan 1996.

VETERANS ABOVE 75 YEARS WILL BE ATTENDED OUT OF TURN AT THE RECEPTION, FOR CONSULTATION AND FOR ISSUE OF MEDICINES

AT THE POLYCLINICS

Medical Entitlement For Non Pensioners

9. As a result of a change in definition from Ex-Service Pensioner to “Ex-Servicemen” vide AO8/98, Non Pensioners and their families are entitled to limited medical facilities in the nearest MH. This is subject to obtaining Medical Entitlement Cards from AG‟s Branch (MP 5 & 6) in terms of AO10/97. The Medical Entitlement Cards will be in two Parts and will have to be carried/produced bythe individual when reporting to the Service Hospital for treatment. Part II will be validated byStation Headquarters, once every 3 years, after the initial issue. For further details AG‟s Branch/MP5(b), Army HQ, West Block III, RK Puram, New Delhi-110066 (Tele No. 26195669) may be contacted. Specimen application form is at Appx „A‟ and Annexure 1 to Appx „A‟

Financial Assistance For Medical Treatment

10. All Ex Servicemen who are not members of any medical scheme including AGI, AFGI and ECHS and suffering from serious diseases, are given financial assistance by the Kendriya Sainik Board for treatment in civil hospitals, in case they cannot be treated in MHs and have not availed of similar assistance from other sources. For details and updated amount, please contact either the office of the Regional Sainik Board or HQ Kendriya Sainik Board, West Block IV, RK Puram New Delhi-110066 (Tele 26192361-62).

All Ex-Servicemen and widows who are in receipt of pensionary benefits of any kind and are entitled to become ECHS members, are Not eligible for the above financial assistance from the Armed Forces Flag Day Fund with effect from 31 Mar, 2004.

Assured Decent Last Rites Schemes (ADLRS).

11. This is a voluntary scheme where in an ESM/NOK are required to register themselves with the ADLRS office located in the dependent CSD Canteen. They will be assured of an Hon‟able Funeral. The ADLRS staff will assists in organization of Decent Last Rites. An expenditure upto Rs2500/- can be made by the CSD Canteen Staff besides laying a wreath on behalf of the COAS. Alternately Rs 2500/- will be paid to the family/NOK. In case NOK is unable to inform the staff of

HELP CALL

ADLRS before the funeral the amount can be claimed subsequently from the dependent CSD Canteen by providing proof of the death within a reasonable period. (Auth : B/45322/174-2005/VIP REF/AG R&W-1 dated 26 May 2006).

Army Group Insurance Fund

12. One of the best things to have happened in the Army was the creation of the Army Group Insurance Fund (AGIF). It is an efficient and well run organization, where everyone is extremely sympathetic and prompt in providing assistance. There is continuous effort to improve the benefits for the members. The organization provides benefits as given in succeeding paragraphs.

13. Extended Life Insurance Cover After Retirement. _ All extended Insurance (EI) cover certificate holders of the AGIF who retired prior to 01 Apr 94 (started for eligible officers retiring after 01 Jan 1981 and JCOs/OR after 01 Apr 81) were covered for a period of 15 years from the date of retirement or 70 years of age, which ever is earlier, without amending the certificates already issued. In case of officers who have retired after 01 Apr 94, the period of cover was 20 years or 70 years of age, which ever is earlier. W.e.f 31 Dec 2004 the benefit was increased to Rs.4 lakhs with period amended to 75 years of age or 25 years from the date of retirement, whichever is earlier. This has now been further improved with EI cover of 6 Lakhs and age of 75 year or 26 years from date of retirement whichever is earlier wef 30 Jun 2009. A detailed letter from AGI Bhawan is attached at Appx „B‟.

General Insurance Corporation (GIC) – For Non Pensioners

14. Even though some assistance is available from the MH or Kendriya/Rajya Sainik Board for some specified fields of treatments, there can be so many situations, where the cost of treatment can be prohibitive. To provide for such an eventuality, it is advisable for all Non Pensioners , to take a Mediclaim Insurance Policy cover for themselves and their families. Due to recent liberalisation, such cover is now available up to the age of 80 years. A number of schemes are now available. The premium amount is calculated on the basis of age and amount of insurance cover. Premium amount upto a maximum of Rs 15,000/- (Rupees Fifteen thousand only) is fully deductible, from the income for the year, under Section 80 D of the Income Tax Act (Rs 20,000/- for Senior Citizens).

Cancer Insurance – For Non Pensioners

15. Cancer is a dreaded disease. Besides being agonizingly painful, the cost of its treatment is frighteningly high. Prudence demands that everyone should provide for a such a large financial contingency, which God forbid, may arise in one‟s lifetime. Even if one may be already covered under a Medical Insurance Policy, such a cover may not be sufficient for long term treatment and also where the monetary limit is exhausted. A number of schemes are available which provide once-in- life-time payment for treatment of cancer. Outline details of two schemes in Delhi are given below:-

(a) Indraprastha Cancer Society & Research CentreQ-5A, Jangpura ExtensionNew Delhi - 110 014[Telephone No 011-24319572, 24314907]

A one time donation of Rs 7,000/- for self and Rs 6,000/- per person for additional members of the family provides for treatment of full life. For further details contact the above Society.

(b) Dharamshila Cancer Hospital & Research CentreDharamshila Road, Vasundhara EnclaveDelhi - 110 096[Telephone No 011-22617771 to 22617775]

16. The above centre is running a scheme known as Cancer Rahat Yojana. Under the scheme a donation of Rs 7,000/- covers a person for a sum of Rs 2 Lacs. The cover goes upto Rs 10 lacs for a donation of Rs 35,000/-. Spouse and dependents can become members at concessional rates.

However, certain terms and conditions are required to be met at the time of submitting application.

HELP CALL

Those diagnosed for Cancer prior to becoming member are not eligible to join the Scheme. For details contact the above Society.

17. The amount donated by the Donor for cancer insurance is exempted from Income Tax to the extent of 50% under Section 80-G of Income Tax Act, 1961, for the above schemes. Similar schemes may be available in Hospitals near your place of residence. A perusal of the list of hospitals on the approved list of Army Group Insurance Fund can be of help. A deliberate effort to get cancer insurance cover will definitely be worthwhile.

Emergency Identification

18. While helping a person involved in an accident, rescuers look for any mark of identification and anything which says “In case of emergency”, “call so and so”. Many people carry that, but doctors on the scene wish that people should carry medical ID Cards as well. Such cards display major medical information which the ill or injured person may not be able to convey. Lack of information leads to a waste of time which is crucial when it is a matter of life or death.

19. Consider the possibilities : A epileptic who goes into a daze before a fit can be mistaken for a drug addict. A woman who is not so obviously pregnant may get treatment that affects the baby. Lay rescuers sometimes ignore a person in a diabetic coma as drunk. Even contact lenses can damage the eyes if left for long on an unconscious person. If doctors are unaware that the victim is a heart patient taking anti-clotting drugs, they may not be able to stop his bleeding. A person with a penicillin allergy may die if it is given during an emergency. The possibilities are scary.

20. A simple home made emergency card can prove to be life saver. All you need to say is“Your name and address, * In case of emergency call............, *Present medical problems.............*Drug Allergies............, *Medicines taken regularly............, *Blood Group....... . Retired persons may also include *PPO No. and ECHS Card No. Always keep this card with you in your wallet/purse. A Sample card is shown below:-

SAMPLE CARD

IMPORTANT DATA

PPO No ............................................ ECHS Card No...............................

My Name....................................................................................

My Address.& Tele No.............................................................

.................................................................................................. In case of Emergency, call.......................................................

My Present Medical Problems are ..........................................

................................................................................................

I am allergic to .......................................................................

Medicines taken regularly .....................................................

..............................................................................................

My Blood Group is .............................................................

Blood Donation

21. If you are planning to undergo surgery, your best safe guard against infection is to be your own blood donor. This procedure known as “Autologus Transfusion” ensures that patients do not face any risk of getting any diseases through donated blood that may be contaminated. However, for emergencies, always keep handy an updated list of prospective and willing blood donors. This is particularly important for those having Negative (-) blood groups like B (-) or AB (-), etc.

HELP CALL

24. All major hospitals have ambulance services to cater for emergency evacuation. The charges vary from one hospital to the other and also depends on the type of service provided (with or without physician and nurse accompanying the ambulance). Always keep the “Emergency Telephone numbers” of the hospitals of your choice handy, for use in an emergency.

25. In an extreme emergency, where time is of essence and where arrival of an ambulance or other help is likely to be delayed, „ Do Not Wait‟ . Call a taxi from the nearest taxi stand and go to the hospital. The taxi driver can even help you if required. This may save your life. Documentation

26. Please inform/get in touch with AG‟s Branch, MP5(b) for the following :

(a) In case of officers getting married after retirement CDA(P) is also to be informed for endorsing the name of wife on the PPO for family pension benefit. AGIF should also be informed for change of nomination for Extended Insurance Policy and the ECHS for amendment to ECHS card.

HELP CALL

(b) Amendment of Medical Entitlement Certificate.(c) Change in permanent address occurring after retirement. (d) Counting of Army Service towards pension.(e) Issue of Air/Rail Travel Concession Cards applicable to winners of gallantry awards, permanently disabled officers who have been invalided out of service or war widows and soon.

(f) Any type of certificate/information pertaining to the officers family/personal/ service particulars.

(g) For issue of Corr PPO by CDA(P) for recording the Date of Birth of spouse for payment of “Additional Family Pension to old Family pensioners (Age 80 Years and above).

Note: All records are destroyed by AG‟s branch MP 5(b) as well as by CDA (O) after expiry of 15 year‟s from date of retirement. As such, you are advised to preserve your copies of the necessary documents for future use.

27. Payment of Platinum/Demise Grant : Army Officers Benevolent Fund.

(a) All retired officers are eligible to receive the Platinum Grant of Rs.50,000/- on attaining the age of 75 years. However, in case the retired officer passes away before attaining the age of 75 years, his NOK is entitled to the receive the same amount as Demise Grant from AOBF. An application as per Appx „C‟ is to be sent to AOBF, for the Platinum Grant. Also connect with Para 70.

(b) While the platinum grant amount of Rs 50,000/- is subject to income tax, theDemise Grant paid to the Widow is exempted for the same.

(c) Payment will be made on the following sliding scale based on number of years ofCommissioned Service :-

Ser No CommissionedService as an Officer

Amount in Rupees

(i) Below 5 Years Nil(ii) 5 to 10 Years 12,000/-(iii) 10 to 15 Years 25,000/-(iv) 15 to 20 Years 38,000/-(v) 20 Years and more 50,000/-

Restoration of Commuted Portion of Pension

28. Armed forces personnel who have commuted the admissible portion of their pension are entitled to have the commuted portion restored on expiry of 15 years from the date of retirement. Each pensioner is required to apply on the form as per Appx „D‟ to the Pension Disbursing Authority/Bank/Post Office who will restore the commuted portion of the pension as mentioned in the Pension Payment Order (PPO) and will also pay the arrears, if any.

Execution of „ Will‟

29. „Will‟ is a legal expression of disposal of one‟s possessions as per his/her wishes after their death. If a person dies without making a „Will‟, it is termed as „INTESTATE‟. The „Will‟ is governed by Indian Succession Act 1925. Also refer to Army Order 4/91. There are two types of„Wills‟ - General „Will‟ and Privileged (Special Rights) „Will‟. A „Will‟ executed by a Serving soldier, airman or naval person, is called a Privileged „Will‟ and is, usually, not questioned by Law.

HELP CALL

A person making a will is called a „Testator‟. Only execution of the General „Will‟ is being discussed in succeeding paragraphs.

30. Why to make a „Wil l‟

(a) It is never too early to execute a “Will” and every one is advised to do so at theearliest.

(b) When an individual gets married/ remarried he should consider executing a “Will” infavor of his wife.

(c) No one should be compelled to make a “Will” if for any reason, he is not inclined todo so.

(d) On the death of an individual, if no „Will‟ is made i.e. “Intestate” then the individual‟s properties are equally distributed amongst his or her heirs. In such a case the individual‟s spouse or unmarried children or an ailing relative is likely to suffer unintended financial loss.

(e) Provident fund, Gratuity, LIC claims etc are generally nominated. However, the nominated person is entitled to receive the amount only on behalf of the rightful heirs, who will ultimately not get these amounts if the same is not specifically stated in the „Will‟.

(f) House or other immovable properties, even if held in joint names, the same can be claimed by other heirs unless it is specifically so mentioned, in the „Will‟.

(g) Even if there is only one heir and no „Will‟ is made, other relatives can stake claim on the properties by taking advantage of the provisions of law. In some cases even the sole heir is called upon to prove his or her bonafides in the court of law.

(h) More often than not, the „Will‟ is the only tool to ensure proper and dignified treatment in the old age.

(j) There are many occasions in one‟s life, when one feels highly obliged towards some one in particular or one feels like giving a helping hand to some individual or a social organisation or even for a religious cause. One of the best ways to give expressions to your feelings is to allocate a suitable asset through the medium of your Will.(k) On occasions, if all the offspring‟s are not enjoying the same financial status, asuitable balance can be sought through the medium of the „Will.‟ Even for a disabled child adequate provision can be made through the „Will.‟

(l) Every lady can and she should make a suitable „Will‟ of her possessions as per her desire. Particularly, the ornaments and other household items are considered as STREE DHAN or the Lady‟s Wealth and the lady is free to dispose off the same as per her wish.

31. Attributes of a „Wil l‟

(a) A „Will‟ should be clear-cut, unambiguous and precise.

(b) The „Will‟ should not have been made under duress.

(c) No stamp paper or stamp duty is required. Plain white paper and preferably black pen should be used.

(d) There is no special style or word phrasing necessary, but the language should be unambiguous. Mostly the „Will‟ is drafted by persons who have little knowledge of law and often have little command over the language. In such cases, it is better to consult a solicitor.

HELP CALL

(e) As far as possible the „Will‟ should be self written in own handwriting and signed. The illiterates should place left hand thumb impression on the document.

(f) If the person making the „Will‟ is sick, the same should be signed in the presence of a Doctor. A suitable certificate from the doctor stating that the individual making the „Will‟ was in full control of his faculties and capable of conscientious thinking while signing the same, should be endorsed on the „Will‟.

(g) The signing of the „Will‟ should be witnessed and signed by at least two individuals, recording their names and addresses. The witnesses, as far as possible, should be younger in age than the person making the „Will‟ and should not be beneficiaries of the „Will‟.

(h) It is not compulsory to register the „Will‟. There is a provision for registration of the„Will‟ either by the Testator (maker of the „Will‟) or by the person nominated as the executor of the „Will‟ and there is no time restriction for the same. The main advantages of registeringthe „Will‟ are, that the same is considered authentic and if the original is lost, then a certifiedcopy of the same can be obtained from the Registration Office. Another advantages is that those seeking mutation, in case of registered „Wills‟ will no more need to avail “No Objection Certificates” from other legal heirs of the property. A sealed envelope containing the copy of the „Will‟ is to be handed over to the Registration Office for safe custody. On demand of a copy, the envelope is opened and the „Will‟ is first copied in the register. A copy of this document, duly certified, is then handed over.

(j) The „Will‟ can be changed or modified by the maker at anytime. However, if a new document is made or a correction slip is attached (called a CODICIL) the original formalities must be followed. In the case of a new document, it should be clearly stated that, “This„Will‟ supersedes the earlier „Will‟ made on - (date)”. In absence of such a mention the new„Will‟ may be considered as void.

(k) To ensure that the arrangements made in the „Will‟ are properly carried out, a person or a bank may be nominated in the „Will‟ as the Executor of the „Will‟. Suitable remuneration for the Executor and his expenses should be catered for in the „Will‟.

(l) Format of a specimen „Will‟ is attached at Appx „E‟

32. What can be „ Willed‟ .

(a) All the properties acquired from own earnings e.g salaries, business, investments, shares, provident fund, gratuity, LIC claims etc qualify for disposal as per one‟s „Will‟, and the same cannot be challenged by the heirs.

(b) As per Hindu law, a Hindu lady is the bonafide owner of the immovable properties in her name in addition to all the ornaments and household goods received by her from her parents, her husband, her in laws etc and is free to dispose off the same as per her own desire.

(c) An individual generally „Wills‟ his entire possessions to his or her spouse on death. Properties gained through hereditary rites are liable for equal distribution to the direct heirs. It is convenient to mention details of such properties as well as the direct heirs in ones „Will‟.

(d) When some self acquired properties are held in joint names, the portion of the properties owned by an individual can be disposed off through the „Will‟.

(e) It is convenient to attach a detailed list of the entire belongings, with the „Will‟. It is inevitable that such a list will undergo certain changes in due course of time. A suitable mention of action to be taken in such an eventuality can be incorporated in the „Will‟.

HELP CALL

33. When the „ Will‟ can be Declared as Void

(a) If it is established that the „Will‟ itself or some portion of it has been written under duress.

(b) If there is over writing and changes which are not authenticated by the maker of the„Will‟ and the witness.

(c) If the „Will‟ is not duly signed by the witnesses.

(d) If the provisions made in the „Will‟ are impossible to comply with or not legal or are derogatory to social harmony.

O btai ning a “P robate of Wi ll ”

34. Probate means to determine judicially the validity of a „Will‟ and is granted by a District Judge when a „Will‟ exists. For this, the person in whose favor the „Will‟ is made or the executor of the same must make an application to the District Judge of competent jurisdiction in accordance with Section 264 of the Indian Succession Act, 1925. The District Judge, in turn will send a copy of the application to the Judge in whose jurisdiction the late Testator had fixed residence. In order to obtain Probate of „Will‟, there are two legal requirements. Firstly, to establish in the civil court of law, that the „Will‟ in question had been made voluntarily and signed by the deceased Testator in the presence of independent witnesses, and secondly, to ascertain that there was no subsequent „Will‟ executed by the deceased. To establish the first requirement, those who have signed as witnesses are required to appear in the civil court and give evidence to authenticate the „Will‟ in question. Once this is done, the court promulgates notice in Govt. Gazette and local newspapers, to whom it may concern, to produce before the court within the given period, any „Will‟, if held by any one claiming to be made by the so named Testator. When the „Will‟ in question is not contested by any other member of the family, a Probate of „Will‟ is issued by the court. In case witnesses to the „Will‟ have predeceased or are not traceable then the nominees have to obtain succession certificate for claiming the estate of the deceased. If the „Will‟ is registered with the Registrar/Sub Registrar, it obviates the requirement of presence of witnesses to appear before the Magistrate to authenticate the „Will‟ and obtaining of probate of „Will‟ is made easier.

35. In case of a „Will‟ made by a Hindu, Sikh, Jain or Buddhists, probate is mandatory for immovable properties situated in West Bengal, Pondicherry, Chennai and Mumbai. Probate is not necessary in other states of India especially so if the will is a valid registered document. However if the court has to issue a decree against a debtor of the testator (Insurance Policy or a bank deposit), probate of the „Will‟ is essential. However if no executer is appointed in the „Wi ll ‟ the question of grant of probate does not arise. Further, non-registration of a „Will‟ does not come

in the way of obtaining a probate.

Obtaining of Succession Certificate

36. Succession in legal language means the order in which or the conditions under which one person after another succeeds to property, dignity or title. Application for grant of a succession certificate is required to be made to the District Judge. The Petition is said to be signed and verified by or on behalf of the applicant in the manner prescribed by the Code of Civil Procedure. The Petition must contain the date and time of death of the deceased, the ordinary residence of the deceased at the time of his death and if any such residence was not within the local limits of the jurisdiction of the judge to whom the application was made, then the details of the property of the deceased within those limits. In addition, the petition should also contain the details of the family or other near relatives of the deceased and their respective residences, the right in which the claim and the debts and the securities in respect of which the certificate is applied for. On receipt of the petition, the District Judge shall fix a day for the hearing and cause notice of the application and of the day fixed for hearing. On the day fixed for the hearing, the District Judge shall proceed to decide in a summary manner the right to the grant of certificate. When the judge decides that the right to the properties belong to the applicant, he shall make an order for the grant of certificate to the person

HELP CALL

A Word of Caution

37. (a) The existence of pin holes in a „Will‟ is likely to give rise to a inference that some documents were attached to the „Will‟ and thus may create difficulties at the time of proving the „Will‟ and obtaining a probate in a court of law if and when the necessity arises. All are therefore advised in their own interest not to pin or tag the „Will‟ executed by them. It should also be ensured that a certificate is given in the „Will‟ that no attachments exist to the „Will‟. In case the details of properties (movable/ immovable) are many, specific mention of such attachments should be made in the text of the „Will‟.

(b) Of late a tendency, to treat the parents/elderly dependents with a degree of callousness and contempt, is becoming rampant in our society. It is therefore, advisable for the Testator to make full provision for life for total financial independence for self and spouse while executing the „Will‟.

Living „ Wi ll ‟

38. Many friends and colleagues have asked me to frame some guidelines on what they can do to safeguard their interest while they are still alive.

39. Rapid advances in medical science have given longevity to human beings through improved diagnostic techniques and treatment procedures. However, in many cases old age, which is never isolated from sickness, is a problem by itself. With the concept of “Nuclear” families becoming the rule, old people, who in the Joint family system could expect to be looked after by other members, now have hardly any one that they can bank upon to look after them. Moreso when they are living by themselves and are isolated.

40. A „Will‟ made under the Indian Succession Act, 1925 caters for the distribution of assets created by the Testator, after his death. However what happens, when the person is still alive, but has little or no control over his faculties. Euthanasia as a concept of painless exit is still being debated in societies all over the world. Perhaps a clear cut answer, which is morally, legally and ethically acceptable, may never be found.

41. To cater for such a situation, that is till death, it is felt that making a separate „Will‟ called“LIVING WILL‟ could be considered. This „Will‟ should include all the wishes/desires of the person and how he would like these to be carried out, when he is unable to do so himself, till his death. This„LIVING WILL‟, only relates to person himself and will not have any effect on the „Will‟ made under the Indian Succession Act, 1925.. The contents of the „LIVING WILL‟ should be known to the immediate family members or in their absence to close friends since they will be needed to executethe provisions of the „Will‟. Such a „Will‟ should preferably be witnessed by the spouse and by at least one child (son/daughter) or a close friend and kept with them.

42. A suggested format of the „LIVING WILL‟ is attached at Appx „F‟. Changes in the format may be made to suit your own particular circumstances. Legal/Medical advice, if considered necessary, may also be obtained before finalizing the „LIVING WILL‟.

43. Organ Donation

(a) Organ donation means gifting someone a life. When one donates an organ, it means a pledge, during their lifetime, that after their brain death, their organs can be transplanted to help terminally ill patients, giving them a new lease of life. For a human being, there can be no action more noble than to volunteer to become a organ doner. So please volunteer at the earliest. For further details contact ORBO (Organ Retrieval Banking Organisation), AIIMS, Ansari Nagar, New Delhi – 110029. Tele No. 26593444,26588360 or call 24 hrs Help Line Tele No. 1060. Army Hospital (R&R) and otherService Hospitals can also be contacted for details/guidance. The form of pledge for organ donation used by Army Hospital (R&R) Delhi Cantt is enclosed as Appx „G‟.

HELP CALL

(b) Where the offr or his spouse have pledged to donate their organs, immediate action should to taken to inform such organization in case of death. The eyelid should be closed and the body should be kept in a room where the fan and cooler have been switched off and if possible the Air Conditioners have been switched on.

What Your Spouse/NOK Should Know

44. You might have made enough money to make your family comfortable for the rest of their lives, but will they get what is rightfully theirs. Have you ever bothered to think what would happen to your family after you have departed from this world. In modern life matters are not as simple as they should be. Every aspect needs a document, a written statement. May be you do have them, but where are they? Are they easily accessible? Even the educated and working ladies generally do not take any interest in financial matters. They take pride in saying that my husband looks after financial/bank matters. Please tell your Spouse/NOK where/how to locate and to operate the following while you are alive. Also prepare a file containing all letters which are required to be sent by the widow/NOK to various authorities, with all columns completed less date and cause of death being left blank. The widow should be able to only fill these blank columns, date the letter , sign and post the same. Separate envelopes duly addressed should also be attached with each letter. This action will be of immense help to the widow in her time of grief.

(a) Your „Will‟

(b) Details of Bank Accounts and BANK LOCKERS (including key number)

(c) Bank/Post Office Accounts and lockers should be in joint names. Facilities of nomination

should be availed. Nominee should be other than joint operators.

(d) Fixed Deposits should be held jointly. Date of payment of interest as well as of maturity

should be noted in a Diary or on a calendar for timely action.

(e) Cumulative Time Deposits of Bank/Post Office, PPF etc. Pass Books should be got updated

regularly.

(f) Birth Certificate.

(g) Motor car/scooter papers and insurance papers for these.

(h) Income Tax/Wealth Tax files.

(j) Policy files – LIC, GIC, Health/Mediclaim/Fire/House-hold Accident etc.

(k) Pension Papers, if superannuated.

(l) Property files – Real Estate, Flat ownership etc.

(m) Property Tax papers.

(n) Telephone file – first original Bill, where in rent equivalent to twelve months has been

retained as security, should be preserved.

(o) Deposit receipts for Gas/Electricity/Water etc.

(p) Passport, Driving License, Identity Card, ECHS Card, Canteen Smart Card, Sainik Board

Ex-Serviceman Identity Card, Club/Institute membership cards etc (photo copies thereof to be

kept separately).

(q) Medical file including relevant test reports and medicines taken regularly.

(r) Share certificates, their allotment advise for ascertaining capital gains.

(s) Rent papers (Receipts, Lease document and any related correspondence).

(t) Pending litigation papers and court decision, if any.

HELP CALL

(u) Details of loans, if any, taken for House-building/purchase of car etc and their repayment

schedule.

(v) Details of CREDIT CARDs with dates of validity.

(w) Any other matter of interest to your family/NOK.

Note :- It is essential to train your Spouse/NOK to be able to deal with above mentioned matters individually and independently or with the help of some friend or relative in whom she has faith. As a matter of policy, it is better to have all the relevant documents in joint names.

45. Sale and Disposal of NSP Weapons and Exemption From Payment of Fee for Grant or Renewal of Arms License .

(a) NSP Weapons.

(i) Serving/Retired Officers, JCOs and Serving Class I Civilian Gazetted Officers are entitled to purchase NSP weapons ex-Ordnance as per SAO 4/S/2006. Entitled persons will be allotted only one NSP weapon during his entire service including post retirement period. Any officers/JCO who has been convicted under Army Act or those who are below 21 years of age will not be entitled for allotment of any NSP weapon. The weapon will be allotted by Standing Allotment Committee and approve by the MGO. Application for allotment of NSP weapon should be fwd to IHQ of MoD (Army) (OS-15A).

(ii) Resale of NSP weapon will be governed by Army Act 1959, Chapter II with prior sanction of the Standing Allotment Committee. NSP weapon purchased ex- Ordnance will be sold at reasonable rates to entitled persons as given in (i) above. If sanction to sell/transfer as mentioned above is not accorded by the Standing Allotment Committee, the weapon will be returned to COD Jabalpur by the allottee under information to the Civil Licensing Authority.

(iii) On demise of an Individual the legal heirs of the deceased weapon holder may apply to the Standing Allotment Committee for retention of the weapon as family heirloom on sentimental reasons. If sanction for retention is not granted, the weapon will be returned to COD Jabalpur.

(b) Under the provisions of GSR-993 dated 13 Jul, 1962, notified by Govt of India, Ministry of Home Affairs, Ex-Servicemen (who are entitled to wear the uniform on special occasions as per Defence Services Regulations) are exempted from paying fees for grant or renewal of Arms License, for certain specified categories of weapons (along with ammunition). So do check with the concerned local licensing Authority and avail of this concession. Also do carry your Ex-Servicemen Identity Card as well as a copy of the Pension Payment Order (PPO) for verification, if required.

Reverse Mortgage .

46. If the retired officer owns a property and lives in it, the banks offer what is known as “Reverse Mortgage” to maintain dignified living style. That is the bank will pay the officer a regular monthly (income tax free) amount for his life time. This cumulative amount will not be recovered from the offr or his spouse at any stage till their demise or till they vacate the property. The bank will recover the dues either from the legal Heir or by disposal of the said property. If interested, please consult your bank for more details.

Pension Payment To Joint Bank Accounts With Spouse Allowed.

47. Government has decided to permit credit of pension to a joint account operated by pensioners. This will be with his or her spouse, in whose favor an authorization for family pension

exists in the Pension Payment Order (PPO). The joint account of the pensioner could be operated

HELP CALL

either by „Former or Survivor‟ or „Either or Survivor‟ basis subject to the certain terms andconditions. They are as follows:

(a) Once pension has been credited to a pensioner‟s bank account, the liability of the Government/Bank ceases. No further liability arises, even if the spouse wrongly draws the account.

(b) As pension is payable only during the life of a pensioner, his/her death shall be intimated to the bank at the earliest. This is to be done within one month of the demise, so that the bank does not continue crediting monthly pension to the joint account even after the death of pensioner. If however, any amount has been wrongly credited to the joint account, it shall be recoverable from the account and/or any other account held by the pensioner/spouse either individually or jointly. The legal heirs, successors, executors, etc., shall also be liable to refund any amount, which has been wrongly credited to this account

(c) Payment of Arrears of Pension (Nomination) Rules 1983 would continue to be applicable to this account. This implies that if there is an „accepted nomination‟ in accordance with Rules 5 and 6 of these Rules, arrears mentioned in the Rules shall be payable to the nominee.

48. Existing pensioners desiring to get their pension credited to a joint account, are required to submit an application to the branch bank, from where they are drawing their pension in the devised form, copy attached at Appx „H‟.

(Authority Govt of India, Ministry of Finance, Department of Expenditure, Central PensionAccounting Office OM No. CPAO/Tech/Amendements/Sch. Book/2005-06/69 dated June 9,2005.)

Precautions to be taken for Safety .

49. It is suggested that older persons, specifically those staying alone should observe the following precautions :-

(a) Get police verification of your domestic help done. Also keep a photograph and finger prints of your servant.(b) As far as possible, avoid employing foreign nationals as it is difficult to verify them. (c) Install a “Magic Eye” and door chain on the entrance door. Instruct your servants notto open the door without your permission.

(d) A stranger could mean danger. Do not let in strangers, even for a glass of water.

(e) Verify over telephone, the genuineness of strangers, who drop in with a relative‟sreference.

(f) Be in regular touch with neighbours and relatives.

(g) Preferably install an alarm system to alert neighbours in an emergency.

(h) Avoid any unnecessary show of wealth.

(j) Avoid employing unknown persons as masons, carpenters, painters, plumbers etc. Treat with suspicion, their reappearance without being called.

HELP CALL

Action in Case of Earthquake

50. Before an Earthquake

(a) Keep a torch, a portable transistor radio, and some eatables eg. Chocolates or biscuits in a handy place.

(b) In your home, keep corridors clear of furniture and toys.

(c) Attach shelves, gas cylinders, vases, and flowerpots etc. to the walls.

(d) Place heavy or bulky objects on the floor or the lowest shelves.

(e) Every family member should know how to switch off the electricity, water and gas supply.

51. During an Earthquake

(a) Keep calm, do not rush to the doors or exits, never use the lift, and keep well away from windows, mirrors, chimneys and furniture.

(b) Protect yourself by staying under the lintel of an inner door, in the corner of a room, under a table or even under a bed.

(c) If you are in the street, walk towards an open space. Keep away from buildings, electric wires and slopes.

(d) If you are driving, stop the vehicle away from buildings, slopes, electric wires and cables and stay in the vehicle.

52. After an Earthquake

(a) Keep calm, switch on the transistor radio and obey any instruction that may be broadcast.

(b) Turn off water, gas and electricity.

(c) Expect aftershocks.

(d) Do not smoke or light any matches nor turn on any switches. Use a torch.

(e) Try to put out a fire, if any, if you cannot, call the fire brigade.

(f) Avoid places where there are loose electric wires and do not touch any metal objects in contact with them.

(g) If people are seriously injured, avoid moving them unless they are in danger. Await rescue teams and also tell them if you know about any people buried in the debris.

(h) Eat something. You will feel better and more capable of helping others.

(j) If your home is badly damaged, you will have to leave it. Collect water containers, food, any ordinary and special medicines (for persons with heart complaints, diabetes etc.)

Help For Funeral Arrangements From Corps/Regt/Unit

53. A number of Arms and Services have framed instructions for rendering all possible help for

the funeral of the retired officers and PBOR. Army Ordnance Corps have issued formal instructions and delineated responsibilities as follows:-

(i) Retd DGs OS and Col Comdts, Lt Gens and Gallantry Awards winners, (VrC and above).

- Dir OS Coord/OS Dte, IHQ of MoD(Army) Tele : 011-23019146/47

(ii) Retd Officers of the Rank of Maj Gen and Brig.

- CODDelhi Cantt

(iii)

All Retd officers up to the Rank of Col.

- CVDDelhi Cantt

( Retd JCOs and OR. - OD ShakurbastiOffi cers Resi di ng O utsi de Del hi

(i) Retd DGs OS and Col Comdts Lt Gens and Gallantry Awards winners, (VrC and above).

- Under Corps arrangements

by the nearest Ord unit to be Coordinated by the

(ii) Other Retd officers and - By a unit nominated by

HELP CALL

(a) Officers Residing in and Around Delhi

(b)

Note :- In case of officers having served in any of the depot at Delhi or their ex Comdt, the wishes of the relatives of the deceased offrs will be considered prior to nominations of the depots for conduct of Last Rites of the deceased. (Auth :- Dte of Ordnance Services , MGO Branch letter No25413/Funeral/OS-10A(iii) dated 12 Nov 2002).

54. Information about the death may be communicated by the family members/friends of the family or by the designated unit to the DGOS/OS 14 (Tele No. 011-23019146/47), ADGOS (CN&A) (Tele : 011-23012165) and OS-10-A(iii) (Tele: 011-23019309). Details of the officer, address of the next of kin and likely date time and location of the funeral should be intimated to designated authorities as mentioned in Sub para (a) and (b) above. Necessary help for settling the dues of the deceased will be provided by Dir OS (Adm) in case of Retd Officers and nominated Ord unit in case of PBOR. In addition to the above Death/Demise Grant out of the AOC C&W fund will be paid as follows :-

(a) Demise Grant For Retd AOC Offrs. In case of death of a retired AOC Offr, a sum of Rs 4000/- is paid to the NOK in lumpsum. This amount is paid by OS-14 for offrs who reside in Delhi and NCR and for others, it is paid by AOC Centre.

(b) Death Grant For Serving AOC Offrs. In case of death of a serving offr, a sum of Rs 18000/- is paid to the NOK by AOC Centre Secunderabad. This amount is paid in 12 installments @ Rs-1500/- per month.

Immediate Action to be taken by family / friends.

55. (a) If the deceased had registered with a Organ Retrieval Banking Organization (ORBO) for donation of organs, they should be informed immediately to do the needful. Also see Para 43.

(b) Inform relatives and friends.

(c) Decide the time, date and place where funeral is to be done and inform all concerned including the local unit responsible for providing assistance in organizing funeral services, for necessary action.

HELP CALL

(d) Obtain Death Certificate from the Hospital/Attending Doctor or a Registered MedicalPractitioner.

(e) Arrange a vehicle/Hearse for carrying the body.

(f) Arrange material required for the cremation.

(g) Obtain a cremation certificate from the cremation ground authority.

(h) The certificates mentioned at (d) and (g) above are to be submitted to MunicipalAuthorities (Registrar of Births and Deaths) for issue of the Death Certificate.

Note : Please check and ensure that there are no spelling or other mistakes in the death certificate. All details must be correctly recorded.

PLEASE OBTAIN AT LEAST 25 TO 30 OR MORE COPIES OF THE DEATH CERTIFICATE FROM MUNICIPAL AUTHORITIES WHO MAINTAIN REGISTER OF BIRTH/DEATHS. THE WIDOW/ NEXT OF KIN SHOULD ALSO GET ABOUT 30 COPIES OF THEIR PHOTOGRAPHS DULY ATTESTED.

Actions after the Funeral

56. Even though death is inevitable, our families and we are least prepared for such an eventuality. In most cases the Widow/Next of Kin do not know what should be done to get the dues and avail of other benefits. Officers are advised to maintain a file on “Action to be taken” with details duly filled in and explained to the Next of Kin, so that they can initiate correspondence to avail of the under- mentioned entitlements :-

(a) Family pension.

(b) Army Group Insurance Fund Benefits under extended insurance scheme (If applicable).

(c) Army Officers Benevolent Fund.

(d) Canteen facilities.

(e) Benefits (if any) from Regimental/Corps Funds.

(f) Benefits (if any) of Personal Accident policies issued with Medi Claim Policies, CarInsurance Policies, Household Insurance Policies, Credit cards etc.

57. Enhanced, special and liberalized benefits are granted only on application by the entitled and Not automatically Even family pension is granted only on application by the widow/NOK. We mostly accept what the CCDA (P) or PDA remits to our pension account without verification. Hence do calculated and ensure that you have correctly received your entitlement of all dues since CCDA (P) or PDA can also make a mistake.

Intimation of Death

58. Death of an Officer is to be intimated/informed at the earliest to a large number of authorities as per the suggested list given below :-

(a) In the case of death due to an accident, lodge an FIR at the nearest Police Station at the earliest. This will be required for claims on Insurance Companies as well as for processing payment of compensation by the concerned authorities.

HELP CALL

(b) AG‟s Branch/MP5 (b), AG‟s Branch/PS4, AG‟s Branch/CW8 (AOBF), and ArmyGp Insurance (for extended life cover). Specimen letter is attached at Appx „J‟.

(c) CDA (P) through AG/MP5B. Refer to Para 59(c).

(d) Manager of the Bank (Pension Disbursing Authority). Specimen letter is atAppx „J‟.

(e) Directorate of the Regt/Corp concerned (Coord Section).

(f) Inform Regional Head Quarter of ECHS.

(g) Various clubs for either transfer of membership to the widow or for refund of security deposits. A suggested specimen letter to the clubs is enclosed as Appx „L‟.

(h) Municipal authority for transfer of property tax details/AWHO/NOIDA Authority etc. as applicable for the transfer of House/Flat in the name of the widow and for change of mutation.

(j) Telephone authority for transfer of telephone connection.

(k) Electricity Authority, Water supply Authority for transfer of name for the MeterConnection.

(l) Rationing Authority for change of name of Head of Family in the Ration Card.

(m) Income Tax Authority for finalising the Tax return of the deceased. A suggested specimen letter to the ITO is enclosed as Appx „M‟.

(n) Bankers for encashment of FDR‟s, Pension, Loans etc.

(o) RTO for change of ownership of car/scooter.

(p) Licensing Authority of the Police for transfer of Private Fire Arms.

(q) LIC/GIC, if applicable, in respect of the insurance policies.

(r) If proper WILL exists, approach court having jurisdiction for “Probate of WILL”,and Succession Certificate for mutation of property, transfer of shares etc. Also see Para 29 to37.

(s) Zila/Rajya Sainik Welfare Board for Widow Identity Card. Specimen letter atAppx „N‟. Information about Rajya Sainik Board, Delhi is at www.rsbdelhi.nic.in .

(t) Concerned post Office for settlement of deposits of Saving Bank Account, NSS, NSC, PPF etc.

(u) Obtain Medical Treatment Entitlement Card (if not earlier obtained by the officer) from AG‟s Branch MP 5(b). Specimen letter is attached at Appx „A‟ and Annexure 1 to Appx „A‟.

Procedure for Claim of Benefits

59. Ordinary Family Pension .

(a) Ordinary family pension at the rate of 30% of the last pay drawn by the officer is entitled to the widow and after her death to eligible children. Son is entitled to Family Pension upto 25 years of age/getting married or earning more than Rs 3500/- per month, Unmarried/Widows/Divorced daughter are entitled to Family Pension for life or till re-

HELP CALL

marriage/earning more than Rs 3500/- per month. Now a days the PPO issued by CCDA (P), Allahabad on retirement includes the joint photographs with spouse, name of the spouse as well as family pension admissible in case of his/her death. In such a case the widow hasonly to intimate the death of her husband to the Pension Disbursing Authority (PDA) through a simple letter. This should be done at the earliest but not later than one month from the date of demise of the officer. Copies of this letter should be endorsed to all concerned authorities e.g CCDA (P), AG‟s Branch /PS 4( c), AG‟s Branch/ MP 5(b), AG‟s Branch/CW-8(AOBF), AGI, IHQ of MoD (Army) (Coord Section of Regt/Corps Concerned) and Min of Def (Pen-C). A specimen letter is attached as Appx „J‟. Based on this letter, the bank is required to pay the family pension to the widow as indicated in the PPO, in the Joint Account.

(b) Where the retired officer was drawing pension in a Joint Bank Account with his spouse the widow can continue to draw her family pension entitlement through the same account. The earlier requirement of opening a separate single account will not apply in such a case.

(c) Where such an endorsement for entitlement for family pension does not exist in the PPO, the widow has to submit an application for family pension on Form No MPB 501 copy attached at Appx „K‟ to CCDA (P), Allahabad in triplicate through AG/MP-5(b) to enable them to sanction the family pension. However, while awaiting formal sanction from CCDA(P), Allahabad, the PDA will pay provisional pension to the widow in the single account which the widow would be required to open, preferably in the same branch where the officer had been drawing his pension. This account number is to be intimated by the widow to the CCDA(P) as well as the PDA.

(d) Parents and brothers/sisters are not authorized ordinary family pension in case of officers who die as Bachelors.

(e) Ordinary Family Pension at Enhanced Rate In case the officer dies within 7 years of retirement or before completing the age of 67 years, the widow is paid family pension at Enhanced rate, which is double the rate of ordinary family pension as given above for a maximum period of 7 years or till the officer would have attained the age of 67 years, whichever is earlier, subject to a maximum of 50% of the last pay drawn. With effect from 01.01.2006 in case of death in harness, Enhanced Pension will be granted for 10 years.

(f) Ordinary Family Pension on Re-marriage. Wef 01 Jan 2006 Ordinary FamilyPension in case of childless widow will continue after re-marriage.

(g) Widows/war widows on re-marriage are authorized to continue drawing pension vide Govt of India, Ministry of Defence letters No 08(i)2004/D(Pen-C) Dated 28 Jun 2005, letter No 1(1)/2001/D(pen/Policy) dated 20 Jan 2009 and letter No 1(2)/97D(Pen-C) dated 31 Jan2001. There will thus be no requirement of giving no-remarriage certificate to the bank for drawing of ordinary family pension/special/liberalized family pension.

Grant of Family Pension for Life to Handicapped Children

60. A son or daughter of an officer, suffering from any disorder or disability of mind or physically crippled or disabled, which renders him/her unable to earn a living even after attaining the age of 25 years, is eligible for the grant of family pension for life, after the death of the Widow of the Officer and where there are no other eligible children. The guardian should forward details of the Handicapped child, to Army HQ/AG‟s Branch, MP5(b), West Block III, R.K.Puram, New Delhi as follows:

(a) A Certificate from competent medical authority (not below to rank of civil surgeon)specifying the nature of physical/mental disability and the degree of the disorder.

HELP CALL

(b) A certificate from the medical authority to the effect that the handicapped child is not in a position to earn his livelihood.

61. AG/MP5(b) after verification of the details will forward it to CDA(P), indicating that the details of the Handicapped child have been taken on records. The acknowledgement from CDA(P) will be sent to the Guardian, who should preserve it for production at the time of consideration of claim of family pension to the handicapped child

62. Dependents Pension Admissible in case of officers who die as bachelors on account of causes attributable to service. The rate is 50%of the notional amount of special family pension that would have been sanctioned to the widow had the officer been married. Dependent parents and in their absence, dependent brothers/sisters are eligible for this pension.

63. Special Family Pension In cases where the officer was in receipt of disability pension at the time of his retirement and the cause of the death is held related to or aggravated by the disability, the widow is entitled to special family pension of 60% of the last pay drawn subject to a minimum of Rs 7000/-per month.

64. Disability Pension.

(a) The officer who retires / is invalided out, for a disability which is accepted as attributable to or aggravated by military service, is entitled to disability pension consisting of service element and disability element. In case of officers retained in service, disability element will be granted / continued if disability is assessed at 20% or more. Service element will be continue to be paid subsequently irrespective of the percentage of disability. However, in respect of invalided out officers disability pension will be paid even for disability assessed less than 20%. Officers who have forgone lump-sum compensation in lieu of disability element/war injury element at the time of their retirement/discharge whether voluntary or otherwise will he paid disability pension in addition to Retiring Service Element / Gratuity. Disability Pension consists of disability and service element as defined below :-

(i) Disability Element of Disability . Liberalized Pension. For pre 01 Jan2006 retirees, the rate of disability element is as given below for 100% disability. Disability element is proportionately reduced depending upon the percentage of disability. No disability element is admissible in case the disability is less than20% except in case of invalidment wef 01 Jan 2006.

Ser No Rank Amount

permonth

(aa) Commissioned Officers and HonoraryCommissioned Officers of

threeServices, MNS, TA and DSC

Rs 5,880/-

(ab) Junior Commissioned Officersand

equivalent rank of three services, TAand DSC

Rs 4,300/-

(ac) Other rank of three services, TA andDSC

Rs 3,510/-

(ii) War Injury Element of War Injury Pension . In case of Armed Forces

Pensioners who were invalided out /retired/discharged from services prior to1.1.2006 and are in receipt of War Injury Element of War Injury Pension as on1.1.2006, the revised rates of War Injury Element for 100% disability are as given below. Where the disability of a pensioner is less than 100% the amount

HELP CALL

shall be proportionality reduced as per the degree of disability accepted and for the period notified in the PPO.

Ser No

Rank Amount

permonth

(aa) Commissioned Officersand

Honorary Commissioned Officers of three Services, MNS, TA andDSC

Rs 11,700/-

(ab) Junior Commissioned Officers andequivalent rank of three services, TA and DSC

Rs 8,600/-

(ac) Other rank of three services, TAand DSC

Rs 7,020/-

(Auth: Govt of India Min of Defence Deptt of Ex-Serviceman Welfare, NewDelhi letter No 16(B) 2008(1)/D(Pension/Policy) dated 4 May 2009).

(b) Service Element. It consists of pension for service actually rendered i.e.50% of last pay drawn subject to a minimum of Rs 3500/- per month.

(c) Entire Disability Pension i .e. „ Di sabi li t y El em ent ‟ an d „ Servi ce El em ent ‟ of a Disabled Officer is Exempt from Income Tax.

(Auth: Para 9(c) Part I of AG‟S Branch, Brochure on Terminal Benefits for officers onretirement and NOK, Revised Edition Jan 2010).

65. Special Family Pension on Re-marriage of Widow. Special Family Pension which shall be calculated at the uniform rate of 60 % of reckonable Emoluments irrespective of whether widow has children or not on re-marriage of widow shall be regulated as follows :-

(a) Commissioned Officers.

(i) If she has child(ren) :-

(aa)

If she continues to support children after remarriage

- Full Special Family Pension to continue to Widow.

(ab)

If she does not support children after re-marriage

- Ordinary FamilyPension (OFP) equal to30% of emoluments last drawn to the remarriedwidow. 50% of theSpecial Family Pension to the eligible children.

(ii) If widow has no children. - Full Special Family Pension to continue to widow.

66. Liberalized Family Pension .

(a) Admissible when death takes place during action in war, war like situation, CI Ops, terrorist actions and battle inoculation exercises and is equal to last pay drawn for all ranks for life. Liberalized Family Pension is admissible to the nominated heir until death or disqualification. In case of the officer is not survived by widow but is survived by

HELP CALL

child/children only, the senior most eligible child shall be eligible for Liberalized Family Pension at 60% of Reckonable Emoluments of deceased officer till his/her death/disqualification, where after it will pass on the next eligible child.

(b) Dependent Pension (Liberalized) in Respect of Commissioned Officers (including MNS Officers, TA Officers and ECOs/SSCOs). Where an officer dies as bachelor or as a widower without children under the circumstances mentioned in (a) above. Dependent Pension (liberalized) shall be admissible to the parents without reference to their pecuniary circumstances at the rate of 75% of Liberalized Family Pension for both parents and at the rate of 60% of Liberalized family Pension for single parent. On death of one parent dependent pension at the latter rate shall be admissible to dependant brother(s) and sister(s) if otherwise eligible at the rate of 60% of LFP.

67. Grant of Liberalized Family Pension to War Widows who Re-married Before01.01.1996 It has been decided to grant liberalized family pension (equal to reckonable emoluments last drawn) to war widows who remarried before 1.1.96. The grant will be admissible from the date of issue of Govt of India, Ministry of Defence, Department of Ex-Servicemen Welfare, New Delhi letter No.8(1)/2004/D (Pen-C) dated 28.6.2005( Appx „O‟) .

68. Simplification of Procedure for drawal of Pension/Family Pension in r/o NRIs. The procedure of drawal of pension/family pension in respect of NRIs has been further streamlined. The family pension as notified jointly in the PPO in respect of retired pensioners commence on production of death certificate. Till now the family pensioners had to be identified in person by the PDO before authorizing release of family pension. Instructions issued in Mar 2006 vide PC/PN/7994/431/B/D(pen/Sers/06 dated 08 Mar 2006 exempt the NRI pensioners/family pensioners settled abroad from personnel appearance at the time of first drawal of pension/family pension provided the Indian Embassy/Mission abroad issues an identification certificate to that effect.

Army Group Insurance Fund Benefits

69. In case the officer had opted for and was covered under the Extended Insurance Scheme, the amount will be paid by AGIF on submission of an application as per Appx „J‟ (Para 58 (b) refers).

Army Officers Benevolent Fund- Demise Grant.

70. No formal Application is required. Widow/NOK has to intimate death of deceased officer toAG‟s Branch/CW8(AOBF), who after verifying the records/details will send an amount of Rs.50,000/- as Demise Grant. This will be based on the letter at Appx „J‟ (Para 59 refers). The demise grant is exempted from Income Tax.

Canteen Facilities

71. (a) Widows of officers are entitled to avail of indigenous canteen stores less specially allocated/short supply items. For this purpose, the entitled individuals are attached to the nearest station/unit run canteen as convenient to Station HQ. Where smart Card have already been issued to the spouse by the Canteen, action by Station HQ in such cases will not be required.

(b) Widows of Officers including Hony Commissioned Officers are also authorized to draw 3 bottles of liquor per month. The dependent CSD Canteen will issue the authorization Card to the widow for this. (Auth : QMG Branch/CS Dte letter No 96129/Q/DDG CS dt07 Oct 2008 refers).

Legal Assistance

72. This is being provided to the wives of serving personnel and widows in consultation with legal Department of Army HQ. Similar facilities are also available at Command level.

HELP CALL

Benefits/Concessions Granted by Central/State Govts/Union Territories

73. In addition to pension and other benefits, widow/NOK of Ex-Service personnel have been granted other concessions as given below:-

(a) Grant of Monetary Allowance attached with various post Independence Gallantry awards.

(b) Air Travel Concession by Indian Airlines Corporation to War Widows, PermanentlyWar Disabled Ex-servicemen and their families and Gallantry award Winners.

(c) Issue of Rail Travel Concession Cards admissible to War Widows and Indian PeaceKeeping Force casualties in OP PAWAN.

(d) Reservations for employment in various organizations.

(e) Quotas in educational institutions for children of Ex-Servicemen.

Note :- These concession/benefits are announced by various authorities by time to time Officers/NOKare advised to keep in touch with the Zila Sainik Board for the latest status of these.

74. In order to assist Widows/NOK in the rehabilitation process, a number of Welfare schemes have been initiated at the State level. Financial assistance for various contingencies is also available. The benefits are available to the Widows/NoKs from respective States Govts/ UTs, who can be approached through the nearest Zila Sainik board. Detailed information, where required, may be obtained from AG‟s Branch MP 5(b) or Kendriya /Zila Sainik Boards.

Other Concessions

75. (a) Gallantry Awards Winners.

(i) The pension received by an individual, who has been in service of the Central or State Government and has been awarded Param Vir Chakra or Mahavir Chakra or Vir Chakra or such other gallantry award as the Central Government may, by notification in the official gazette specify in this behalf, has been declared exempt from income tax.

(Authority: Finance Act 1999 – Section 10(18) of Income Tax Act 1961)

(ii) The under mentioned gallantry awards have now been added to those mentioned in sub para (i) above in the circumstances as mentioned in corresponding column 3 thereof :-

TABLE

Sl No. Name of Gallantry Award Circumstances for eligibility(1)

(2)

(3)

1. Ashok Chakra When awarded for gallantry

2 Kirti Chakra -do-3. Shaurya Chakra -do-4. Sarvottam Jeevan Raksha Padak When awarded for bravery displayed by them in

life saving acts5. Uttam Jeevan Raksha Padak -do-6. Jeevan Raksha Padak -do-7. President‟s Police Medal

forGallantry

When awarded for acts of exceptional couragedisplayed by members of police forces, central police or security forces and certified to this effectby the head of the department concerned.

HELP CALL

8. Police Medal for Gallantary -do-9. Sena Medal When awarded for acts of courage or

conspicuousgallantry and supported by certificate issued to this effect by relevant service headquarters

10. Nao Sena Medal -do-11. Vayu Sena Medal -do-12. Fire Service Medal for Gallantry When awarded for acts of courage or

conspicuousgallantry and supported by certificate issued to this effect by the last Head of Department

13. President‟s Police andFire

Services Medal for Gallantary

-do-

14. President‟s Fire Services Medalfor Gallantry

-do-

15. President‟s Home Guards andCivil Defence Medal

forGallantry

-do-

Authorities :- (Min of Fin Notification No 1156/F.No 142/29/99-TPL dated 24 Nov 2000).

(b) Some State Govts (e.g. Delhi) have exempted War Widows and Gallantryaward winners in Defence Forces from paying property tax on one selfoccupied residential property. Special

Rebate on Property Tax is also granted to ex-servicemen or their widows by some states. Specific details can be checked from the respective Rajya Sainik Boards.

(c) Indian Airlines have extended 75% concession in fare to the recipients ofpre- independence (level I – comprising Victoria Cross, George Cross and level II-

comprising Distinguished Service Cross, Military Cross, Distinguished Flying Cross and George Medal) Gallantry Awards.

(Authority: AG‟s Branch DO letter No B/44612/AG/CW-3 dated 27 Jun 2001).

(d) The Ministry of Railways have extended the privilege of issue of first class/II AC sleeper complimentary passes to recipients of Gallantary Awards and widows of winners of Gallantary Awards They are eligible to take a companion with them in the same class.

(e) Gallantry Award winners, war widows and Disabled soldiers will be provided telephones on priority through Non-OYT/special category. They would be exempted from paying the “Installation fee” and he given 50% concession in normal rental charges.(f) Heart Patients, alone or alongwith upto one escort, are entitled to 75% concession on fare in any class when traveling by train for heart surgery in a recognized Hospital and for return journey also. A certificate issued by officer incharge of a recognized hospital on a prescribed Performa is required to be obtained for this concession.

(g) Cancer Patients, alone or alongwith upto one escort, are entitled to 75% concession on fare in any class when traveling by train for treatment/periodical check up in a recognized Hospital and for return journey also. A certificate issued by officer incharge of a recognized cancer hospital on a prescribed perform is required to be obtained for this concession.

(h) Thalassemia and Liver patients – same as (f) & (g)

above.

Concessions for Senior Citizens

76. Senior citizens (those who are 65 years and above) have been given concessions by variousGovt. Agencies/Departments. Some of the important ones are listed below :

(a) Total exemption of income Tax on annual income upto Rs 2,40,000 as per FinanceBill 2010/2011. Please update such exemptions annually based on the Finance Bill.

HELP CALL

(b) 30% discount on rail fare for all classes of travel ( In case of ladies who are 60 years old and above).

(c) 50% discount on basic air fare by Domestic airlines (Sahara Airlines gives this discount to persons who are 62 years old, or above)

(d) Club subscription for Senior Citizens : Some clubs either charge reduced rates or exempt Senior Citizens from payment of monthly subscriptions. Do check with your club for this facility.

(e) Grand Citizen Award – Serviceman : An Ex-Serviceman (Pensioner or non- pensioner) belonging to Delhi and registered with Rajya Sainik Board, on attaining the age of 80 years will be given a one-time grant of Rs.5000.00 as Grand Citizen Award. Apply to Secretary, Rajya Sainik Board, No.1 Rajpur Road, Delhi – 110054 (Tele Nos. 23991876,23969260), on plain paper enclosing attested copies of the following documents :-

(i) PPO.(ii) Ex-Serviceman Identity Card.(iii) Proof of age, copies of service particulars /discharge certificate.

IMPLEMENTATION OF GOVERNMENT DECISION ON RECOMMENDATIONS OF 6 TH PAY COMMISSION

77. PENSION - Consequent to the implementation of the Government orders on the pension for Pre 01.01.2006 retirees and their family pensioners the amount has been revised many times for various ranks from those contained in Govt of India, Ministry of Defence and Deptt of Ex- Serviceman Welfare New Delhi letter No 16(6)2008(P)/Pension dated 11 Nov 2008. Some changes may still take place from time to time. The existing rates of pension and family pension are indicated in Appx „P‟. The earlier pension rates were related to pay of serving officers. However, in case of 6 th

CPC the pension in most cases is not related to pay of serving officers. The rates of pension for the officers are at Appx „P‟ are for service of 30 years and above. The rates of Family Pension are also given in the same appx against each rank. The rates of Pension and Family Pension for the PBOR are given at Appx „Q‟.

78. The retiring pension for post 01 Jan 2006 is granted on completing a minimum qualifying service of 20 years (15 years in case of late entrant). The linkage of full pension with 33 years of qualifying service has been dispensed with from 01 Jan 2006. The retiring pension of commissioned officers retiring/invalidated out on or after 01 Jan 06 will be calculated at 50% of emoluments last drawn or average of reckonable emoluments drawn during last 10 months, whichever is more beneficial. Post acceptance of 6th CPC recommendation, weightage factors have been withdrawn.

Dearness Relief (DR).

79. Dearness Relief is payable on the Basic Pension at rates which are revised twice a year i.e. on 01 Jan and 01 Jul. Since 1.1.96 the Dearness Relief rates for pensioners are at par with the Dearness Allowance for the serving personnel. Dearness Relief rates with effect from 01 Jan 2006 are given at Appx „R‟.

80. Based on the recommendations of the Fifth Pay Commission, it was decided that wef 01Apr 2004, that when the Dearness Relief exceeds 50% Dearness Relief equal to 50% will be merged with the existing Basic Pension and shown distinctly as Dearness Pension. Such Dearness Relief converted to Dearness Pension would be deducted from existing Dearness Relief.

81. Grant of Fixed Medical Allowance. Armed Forces pensioners and their family pensioners have been granted a fixed Medical Allowance @ Rs.100.00 p.m. for meeting day-to-day medical expenses that do not require hospitalization, and those who opt for not utilizing Out-Patient Department (OPD) treatment in Armed Forces Hospitals/ M.I Rooms. This is particularly applicable to those who are residing in an area where facilities of Armed Forces Hospitals/ M.I Rooms are not

HELP CALL

available. Existing pensioners as well as retirees upto 31 Mar 2003 had to exercise a one time option in this regard and submit this undertaking on the prescribed form available with the Pension Disbursing Authority (PDA). Based on this, necessary endorsement was made on their PPO‟s, as well as on their Identity Cards. Payment of the Fixed Medical Allowance is made by the PDA to the pensioners along with pension/family pension on a monthly basis. (Ministry of Defence Letter No:1(1)/98/D (Pen-Sers) dated 15 June 1998). This allowance will be discontinued if an ESM joins the Ex-Servicemen Contributory Health Scheme. Please also refer Para 10.

Reckonable Emoluments.

82. Unless otherwise specified the term „Reckonable Emoluments‟ shall mean:-

(a) For Officer. Pay in the pay band + Grade Pay + MSP + Non PracticingAllowance (if any) + Dearness Allowance.

(b) For Personal Below Officer Rank (PBOR). Pay in the Pay Band + Grade Pay+ „X‟ Group Pay (where applicable) + MSP + 50% of the Highest Classification Allowance(revised rates effective from 01 Sep 2008) , if any, of the Group and rank at the time of discharge/invalidment.

83. Additional Pension to Old Pensioners. The quantum of additional pension available to the old pensioners shall be increased as follows :-

Age of Pensioner Additional Quantum of PensionFrom 80 Years to less than 85 years 20% of basic pensionFrom 85 Years to less than 90 years 30% of basic pensionFrom 90 Years to less than 95 years 40% of basic pensionFrom 95 Years to less than 100 years 50% of basic pension100 Years or more 100% of basic pension

(Auth : Govt of India, Min of Defence (Army) letter No 17 (4)/2008 (2)/D(Pen/Pol)dated 12 Nov 2008).

84. Recording of Date of Birth of Spouse . The Pension Sanctioning Authorities should ensure that the date of the birth and the age of pensioner are invariably indicated in the pension payment order to facilitate payment of additional pension by the Pension Disbursing Authority as soon as it becomes due. The amount of additional pension will be shown distinctly in the pension payment order. For example, in case where a pensioner is more than 80 years of age and his pension is Rs 10,000 per month, the pension will be shown as (i) Basic Pension = Rs 10,000 and (ii) Additional Pension = Rs 2,000 per month. The pension on his attaining the age of 85 years will be shown as (i) Basic Pension = Rs 10,000 per month and (ii) additional Pension = Rs 3000/- per month.

85. In order to implement the above, the date of birth of the officers as well as his/her spouse, whole name is mentioned in the PPO (as eligible to receive family pension) would required to be recorded in the records of PCDA and issued as Corr PPO to the officers banker‟s as well as other concerned authorities. While the date of birth of the officers is already recorded in the PPO, the date of birth of the Spouse is not recorded in the PPO in most of the older cases. In order to do so PCDA(P), Allahabad have issued detailed instruction for submitting a “LPC-Cum-Data Sheet for grant of additional pension to pensioners/family pensioner over 80 years-Commissioned Officers” vide their letter No G-1M/01/ICOs/VICPC/Comp/Vol-1 dated 11 Sep 2009. The complete letter is enclosed at Appx „S‟ alongwith Annexure 1 to 7. The numbering of the Annexure may seem odd but it has been done in line with the guidelines contained in Annexure 7. The “LPC Data Sheet” is at Annexure 6 and instruction on filling the same are at Annexure 7.

86. The above mentioned Data Sheet duly completed will be submitted to PCDA through AG‟sbranch MP-5(b) in triplicate alongwith a copy of any of the following duly attested documents :-

(a) PAN Card.

HELP CALL

(b) Matriculation Certificate (Containing information regarding date of birth).

(c) Passport.

(d) ECHS Card.

(e) Driving License (If it contains Date of Birth).

(f) Election Identity Card (If it contains Date of Birth).

87. AG‟s Branch MP-5(b) after due verification and checking will fwd the Data Sheet alongwith the supporting documents to PCDA for issue of Corr PPO to all concerned.

Nomination For Payment Of Life Time Arrears To Spouse.

88. Payment of Arrears is governed differently from payment of family pension, even if pension account is held jointly with the Spouse. The rules do not permit payment of Arrears, if any, to the Spouse unless there is a nomination for the same. The nomination form is required to be submitted to the concerned bank in triplicate for distribution as under :-

(a) One copy for record of the bank.

(b) One copy to be forwarded by the Bank to PCDA(Pension), Allahabad.

(c) One copy duly acknowledged by the Bank, for record of applicant.

89. (Reference Rule -5 Payment of Arrears of Pension (Nomination) Rules,1993). A suggested covering letter as well as blank nomination form is attached at Appx „T‟ and Annexure 1.

FOURTH PAY COMMISSION- ANOMALY IN PAY FIXATION

90. In accordance with recommendations of 4th Pay Commission and the decision thereon, Defence Officers were granted an integrated Scale of Pay 2300-100-3900-150-4250-EB-150-5100. In addition, Rank pay for Captain, Major, Lt Colonel, Colonel, Brigadier and their equivalent in the Navy and Air Force was also granted.

91. Although the Rank Pay was sanctioned in addition to the basic pay, but while fixing the pay in the integrated scale an amount equal to the rank pay was deducted from the total emoluments, which resulted in financial loss to the officers with cumulative effect on Pay, DA, Pension, Commutation, Leave encashment etc.

92. Hon‟ble High Court of Kerala at Ernakulam restored the benefits in the case of Maj AK Dhanapalan Vs UOI in OP No 2448 of 1996. Ministry of Defence and Chief of Army Staff instead of supporting other similarly affected Officers, had appealed against the judgment of Hon‟ble Mr Justic CS Rajan, in the Division Bench of High Court of Kerala at Ernakulam vide WA No 518 of 1999 (B). The Hon‟ble Mr Justice KA Abdul Gafoor and Hon‟ble Mr Justice JM James had dismissed UOI‟s appeal on 04 July 2003. Union of India then filed a SLP in the Supreme Court of India which was dismissed by Hon‟ble Justice BP Singh and Hon‟ble Mr Justice SH Kapadia in July 2005.

93. The Union of India now has filed a revision petition in the Supreme Court of India against the judgment mentioned in para 3 above. The date of hearing is awaited.

94. Quotable Quotes. All the proceeding Paras have been related to problems of physical wellbeing and survival. Some quotes to lighten your mood were printed on the inside of front and back covers. Now some more profound quotes have been received Courtesy Maj Gen Gautam Moorthy, ADG OS (CV) & Col Comdt, some of which are enclosed at Appx „U‟ as food for thought.

HELP CALL

ToAdjutant General‟s Branch/MP 5(b)IHQ of MoD (Army)West Block-III, RK PuramNew Delhi- 110066 (Tele 011-26195662)

Appendix „ A‟ (Refers to Para 9 )

APPLICATION FOR MEDICAL ENTITLEMENT CARD IN TERMS OF AO 10/97

1. I, IC _ Rank _ Name _

Regt/Corps _ retired from Army service on _ and

am drawing service pension vide Pension Payment Order No _

_ and have a family and dependent member as per details given below:

2. My retired Officer‟s Identity Card No is _ .

3. I am drawing/not drawing disability pension for _ (name of disability)

with effect from _ vide pension payment order No _ .

Ser No Relationship Name Age Two Identification marks for each

“Certified that the wife, unmarried children (including step children and adopted children) aredirectly dependent on me.

Date: (Signature of Ex-officer)

Address of officer _

Instructions

1. Ex-servicemen and their families (the term family will include wife/dependent children below 25 years of age and unmarried) are entitled to medical attendance from Military Hospitals.

2. Parents are eligible for medical attendance/treatment from service sources.3. The following documents should be forwarded alongwith application form :-

(a) Copy of Pension Payment Order.

(b) Two joint passport size photographs with wife and dependent children in civil dress.

(c) Copy of retired officer‟s identity card.

(d) Copy of widow identity card (in case of widow).

4. Concessions are not admissible to the Ex-Servicemen who are employed in Govt/Semi Govt Departments or other public or private sector under takings, which provide medical facilities to their employees.

HELP CALL

Annexure 1 t o Appendi x „ A‟ (Refer to Para 9 )

CERTIFICATE AS PER AO 10/97

1. I, IC _ Rank _ Name _ and am employed/not employed by any Govt/Private Organisation.

2. I am employed in _ and (Name of firm/institution/organisation) am getting/not getting any free Medical treatment from my employer.

3. Particulars of my family who are dependent on me are as under :-

Ser Name Relationship Date of birth Two IdentificationNo & Martial status marks for each

Date : Signature _ (Name in block capitals)

Place: _ Complete Address _

HELP CALL

Appendix „ B‟ (Refers to Para 13)

IMPROVEMENTS IN EXTENDED INSURANCE SCHEME OF ARMY GROUP INSURANCE FUND

A compulsory Group Extended Insurance (EI) Scheme was introduced in the year 1981 with the aim of providing insurance cover for the death without any maturity benefits for eligible members after retirement / release upto a specified period. It is a term insurance scheme under which in case of death of a member with in the period of cover, the nominee is paid the amount of insurance cover and it has no survival benefits. For this scheme onetime non refundable single premium is deducted from the maturity amount at the time of retirement/discharge/release from the eligible members.

The payment liability is worked on the basis of age of entry, likely mortality of the period of cover, rate of interest and total payment liability. The subscription amount along with the interest earned is just adequate to meet the liabilities of all its members. As the scheme works on a group concept, the premia liability is kept as a low as possible. The scheme for Officers and PBOR, are worked out and operated separately so that the benefits and subscription of each group remains within that group only. The subscription paid by PBOR does not benefit the Officers and vice versa.

With the implementation of the Sixth Central Pay Commission recommendations, paying capacity of members has increased. Accordingly, insurance cover for members during service has also been increased, thereby increasing monthly subscription and the maturity benefits to the members. Also there is enhanced awareness in the environment about inescapable requirement of insurance cover even after retirement. Thus, the environment had been approaching AGIF for the increase of Post Retirement EI Cover. The proposal was discussed during the Fifty Fifth Meeting of the Board of Governors of AGIF held on 21 Apr 09. The Board of Governors has approved revision in EI Scheme as given in the succeeding paragraphs.

EI Cover . EI Cover for the Offrs be increased from existing Rs 4 lac to 6 lac and the PBORfrom the existing Rs 2 lac to 3 lac.

Admissibility . The improved EI cover will be applicable from the prospective date to all eligible members retiring/released/discharged from Army on and after 30 Jun 2009 and eligible for membership of EI scheme as per the existing eligibility conditions .

Period of Cover . The members who are retiring/released/discharged on or after 30 Jun 2009 will be covered for a period of 26 years after retirement or 75 yrs of age whichever is earlier under the revised EI Scheme.

One Time Non-Refundable Premium payable at the time of Retirement/ Release/ Discharge. Based on the period of cover applicable, the following onetime non refundable premium as worked out by the actuary will be deducted out of maturity benefit from the eligible members including Short Service Commissioned Officers and MNS Officers at the time of retirement/Release/Discharge :-

S.NO Age of Retirement One Time Premium PayableOfficers PBOR

(a) 52 Years & Below Rs 42,660/- Rs 22,200/-(b) 53 Years Rs 41,930/- Rs20,900/-(c) 54 Years Rs 41,170/- Rs 20,530/-(d) 55 Years Rs 40,360/- Rs 20,120/-

HELP CALL

(e) 56 Years Rs 39,470/- Rs 19,680/-(f) 57Years Rs 38,520/- Rs 19,200/-(g) 58 Years Rs 37,490/- Rs 18,690/-(h) 59 Years Rs 36,380/- Rs 18,140/-(j) 60 Years Rs 35,300/- -(k) 61 Years Rs 33,890/- -(l) 62 Years Rs 32,490/- -

Premium will be reviewed periodically based on experience of mortality and interest rates and revised when considered necessary for future retirees.

Survival Benefits. It being a term insurance Scheme, the EI Scheme provides purely an insurance cover for death during the period of cover and does not have any survival benefits, i.e. in case the member survives beyond the period of cover, no survival/maturity benefits is admissible.

EI Certificate of Eligible Members. The detail showing period of cover, insurance amount and onetime non refundable premium will be indicated in the EI certificates issued to the eligible members retiring/released/discharge on and after 30 Jun 2009.

Coverage for Members Who Joined the Scheme Earlier. The existing EI cover and period will continue as shown on the EI Certificate issued to members who have retired prior to 30 Jun2009.

There is no other change in the existing terms and conditions under EI Scheme.

Review of Scheme. The AGI Board of Governors reserve the right to review the Scheme periodically and modify it, as considered necessary.

(Authority : AGI Bhawan letter No A/56271/R/AG/Ins(Coord) dated 14 May 09 addressed to All HQ Comds)

HELP CALL

Appendix „ C‟ (Refer to Para 27 )

From :

To: The AOBFAG‟s Branch/CW-8IHQ of MoD (Army)West Block III, R.K.Puram (Room No.76) New Delhi - 110066 ( Tele: 011-26196217)

Sub: PAYMENT OF PLATINUM GRANT IN RESPECT OF

IC RankName _ Regt/Corps _ PPO No _

Sir,

I retired from the Army on _

My date of Birth is

_ Since I have Completed _

years of age,

may I request you to send the platinum grant admissible to me at the earliest. My

residential address is as given above.

Thanking you,

Yours faithfully,

HELP CALL

To

The Manager.....................Bank/Treasury/Post Office/PPM (As applicable)

Appendix „ D‟ (Refers to Para 28 )

Sub: Restoration of Commutation of Pension after 15 years - Implementation ofJudgment of the Supreme Court.

Sir,

Kindly restore my commuted portion of pension in terms of Ministry of Personnel, PG & Pension, Department of Pension and Pensioners Welfare OM No. 34/2/86 - P&PW, dated 05 March1987.

Requisite particulars are given below: -

1. IC No & Rank _

2. Name (in Block letters) _

3. Date of retirement _

4. PC/PPO No _

5. Amount of original pension _

6. Amount of pension commuted (if any) _

7. Pension Account No (with the Bank) _

8. Name of the Account Office viz the authority who issued the PC/PPO _

9. Name of Treasury/Post Office/PFM/Other Pension disbursing agency.

Date Signature of Pensioner

Address _

Particulars verified.

SignatureRubber StampPension Disbursing Authority

HELP CALL

SPECIMEN WILL

Appendix „ E‟ (Refers to Para 31(l))

LAST WILL AND TESTAMENT

1. I, the undersigned _ Son/wife of _ born on _ residing at _ (city) _ Pin), am making this „Will‟ on _ (date). My earlier WILL made on _ (date) is hereby cancelled.

2. As on date I am not suffering from any disease-or-Even if I am suffering from ailments, I am in full control of my faculties. Dr _ will certify to this effect. I am not making this „Will‟ under any threat or duress. I am making this Will to ensure that after my death my properties are disposed off as per my wishes.

3. A detailed list of all my belongings is attached. In due course of time this list may undergo some changes. These entire belongings have been acquired or accumulated as a result of my salaries, investments, business etc, and I am free to dispose off the same as per my wishes. In the list attached household items like utensils, kitchen equipments, washing machine etc and ornaments; being STREE DHAN are not included, which will be disposed off as per the wishes of my wife Smt _ .

4. In my family only my spouse, Smt _ and _ are dependent on me. Other members of my family who are not dependent on me include the following :- (Give list showing relationship against each).

5. On my death all my belongings shall be the property of my spouse who will be free do dispose off the same as per her own desire. If however, my spouse is not alive at the time of my death then alone my properties will be disposed off as described in the succeeding paragraphs.

6. Immovable Properties. The house/flat at the address _ will be shared equally by all my children (including daughters). If it is mutually decided to give possession to one of my children, he or she should pay the share of market cost to the others. Otherwise the properties should be disposed off in the market and the proceeds shared equally by them.

ORI could not complete the education of my elder son due to my meager earnings and with his help I got my daughter married/completed the education of my younger son. For this reason I want my elder son -(full name) - to retain the house property in his name.

ORThe Executor of this Will should sell my immovable properties and after meeting my dues

donate the balance amount to -(name & address) - a social organization.

7. Movable Properties: Details of the movable properties, showing the desired beneficiary against each item should be attached. If the asset is to be used to clear dues, the same should be clearly mentioned.

8. The Executors of the Will should first clear my dues, meet the expenses incurred on my account, take their share of _ %of the balance to cover their expenses etc and distribute the balance assets amongst the following as shown against each:

Name Relationship Percentage of Share Remarks if any

(a) (b) (c)

9. If the distribution made above is not uniform a small note stating reasons, if any, may be recorded.

HELP CALL

10. I am appointing _ (name and address) _ As the Executor of this Will. He will be entitled to retain _ % of my cash assets for his efforts and expenses. This „Will‟ shall be considered as the authority letter for effecting all transfers envisaged in this document by the Executor.

11. If my spouse is alive at the time of my death, then the properties inherited by me should be disposed off as per „Will‟ made by my spouse.

12. On my death no religious ceremonies should be insisted upon. As far as possible my body should be cremated in an electric crematorium.

ORThere should be no mourning on my death.

Place Signature ..........................Name

Date Address.

Witness. 1

Name _ Address _ I certify that I have signed

this document in the presence of _ (Name) _ Who has made this

„Will‟.

Signature _ Date _ Place _

Witness. 2

Name _ Address _ I certify that I have signed this

document in the presence of _ (Name) _ Who has made this Will.

Signature _ Date _ Place _

HELP CALL

Doct or‟ s Certificate

I, Dr _ Address _

have examined _ (Name) _ who is suffering

from _ (Ailments). I certify that he has signed this „Will‟ in my

presence, when he was in full control of his mental faculties and in full control of his senses.

Signature Place _ Date _

HELP CALL

Appendix „ F‟ (Refers to Para 42)

LIVING WILL

BY

BRIG R K KOHLI (Retd)

1. I, the undersigned _ son/wifeof _ bornon

residing at

_ am making this “LIVING WILL” on _ _. This “Living Will” has no relationship or effect on my “Will” made under the Indian succession Act 1925 executed on _ _. This is a request to my near and dear ones as well as Hospital and if required legal authorities to respect my wishes.

2. As on date, I am in full control of my faculties and am not suffering from any ailments which might impair my ability and competence to make deliberate and conscious decisions. Dr _ S/o _ resident of _ iswitness to my physical, mental and emotional state. I am not making this “Living Will” under anythreat, duress or influence.

3. I am making this “Living Will” to ensure that my desire and mandate regarding my treatment and life support are clearly spelt out and understood by my family, friends and treating doctors and legal authorities if applicable and that I am allowed to die in a dignified, peaceful and as painless a manner as possible, without unduly prolonging my life, when I am not able to communicate.

4. In case, I get afflicted with an incurable disease, the treatment should not be avoidably prolonged in the hope of a miracle. I should be allowed to die without being subjected to repeated surgical procedures.

5. In case I am put on artificial Life Support System, either due to some disease or due to injuries sustained in an accident and if there is hardly any hope of recovery, if so certified by the Attending Doctors, the life support system should be disconnected at the earliest.

6. In case due to a stroke or some other diseases, I am confined to bed and am unable to look after my personal and hygiene needs and if medication has no effect, treatment and nutrition shall be stopped and I shall be allowed to die.

7. If I lapse into a “vegetable” existence due to “DEMENTIA”, “ALZHEIMER‟S” Disease” or any other malady affecting my ability to lead an intelligent existence, all nutrition shall be discontinued and I shall be allowed to die.

(There may be many other circumstances/situations of helplessness. In every case the aim should be to reduce the suffering of the person and his family – be it physical, emotional or financial. The list of situations given above can be modified accordingly to cater for them. )

8. I have registered my name with the “ORGAN RETRIEVAL BANKING ORGANISATION” of All India Institute of Medical Sciences, New Delhi vide Registration No. 1218. (or a similar organization/service Hospital of your area/city). Please inform them immediately on my death or on being declared “ Brain Dead” on Tele No. 1060 to do the needful. As far as possible my body, after retrieval of organs, when returned by AIIMS, be cremated in an Electric Crematorium, without observing any religions ceremony or procedure.

HELP CALL

9. Or, I want my body to be donated for medical research to _ Hospital. My friends and relations be informed of my death through a Notice in the Newspaper and with a request not to offer or send any condolences.

10. I have lived a full life. My spouse is financially provided for. My children have grown up and are leading their lives separately. I am fully contented with my circumstances. As such on my death there should be “No” mourning.

Signature _

Name _

Place

Date

TESTATOR/EXCUTANT

Certified that the “LIVING WILL” has been signed in my presence

Witness-1 Signature _ Name _ Address

Witness-2 Signature _ Name _ _Address

Witness-3 (Doctor)

Signature _ _Name _ _Address

HELP CALL

Appendix „ G‟ (Refers to Para 43 (a))

ARMED FORCES MEDICAL SERVICES

ARMED FORCES ORGAN RETRIEVAL AND TRANSPLANT AUTHORITY (AORTA)

Department of Gastroenterology, Level 5Army Hospital (R&R), Delhi Cantt-110010

Tele : 23338133E-Mail : aorta.ahrr@gmail.com

PLEDGE FOR ORGAN DONATION

Date _

1. I, _ self/son/daughter/Wife of No _ Rank _ Name _ Unit _ hereby give my consent to donate my following organ (s) in the event of my brain death with the hope that it may save lives and / or restore their sight:-

(a) Heart (e) Pancreas(b) Lungs (f) Small Bowel(c) Liver (g) Cornea(d) Kidney (h) Others

(specify)

2. My Particulars are as under :-(a) Date of Birth _(b) Blood Group _(c) Address

(d) Tele / Mob No(e) E-Mail(f) Donor Card to be mailed / to be collected in person (please tick option)

Signature

Witness-I Witness-II (Signature) (Signature)

Name _ Address _

Name _ Address _

(Please mail completed form or deposit it at the reception desk of department of Gastroenterology)

HELP CALL

To

The Branch Manager

Appendix „H ‟ (Refers to Para 48)

------------------------ (Bank)

----------------------- (Branch and Address)

Sub :- Payment of Pension Under PPO No _

Dear Sir/Madam,

Through Your

1. I wish to receive my pension under PPO No………………………..………………… by getting it credited to the saving/current bank account No……..……………. which is operated jointly in your branch by me and my spouse, Mr/Mrs. ………………………………..………… in whose favor an authorization for family pension exists in the Pension Payment Order (PPO).

2. I have read and understood the contents of the Government of India, Ministry of Finance, Department of Expenditure, Central Pension Accounting Office OM No.CPAO/Tech/Amendments/Sch. Bok/2005-06/69 dated 09.06.2005 which contains the following terms and conditions. Once pension has been credited to a pensioner‟s bank account, liability of the government/bank ceases. No further liability arises, even if the amount is wrongly drawn by the spouse.

(a) As pension is payable only during the life of a pensioner, his/her death shall be intimated to the bank at the earliest and in any case within one month of the demise, so that the bank does not continue crediting monthly pension to the joint account with the spouse, after the death of the pensioner. If, however, any amount has been wrongly credited to the joint account, it shall be recoverable from the joint account and/or any other account held by the pensioner/spouse either individually or jointly. The legal heirs, successors, executors etc., shall also be liable to refund any amount, which has been wrongly credited to the joint account.

(b) Payment of Arrears of Pensions (nomination) Rules, 1983 would continue to be applicable to the joint account with pensioner‟s spouse. Thus if there is an „accepted nomination‟ in accordance with Rule 5 and 6 of these Rules, arrears mentioned in the Rules will be payable to the nominee.

3. I accept the above terms and conditions. My spouse too, in token of having accepted those terms and conditions, has put his/her signature below.

Place : 1. Signature of Pensioner

Date : 2. Signature of Spouse

HELP CALL

Appendix „ J ‟ (Refer to Para 59 (a))

From: _

To: Senior Bank Manager

Sub: Intimation Of Death And Payment Of Family Pension In _ Respect of

IC _ Rank _ Name _

Regt/Corps

Sir,

1. I regret to inform you that my husband _ expired on _ Death certificate to this effect issued by the Hospital/Municipality is enclosed for your further action.

2. My late husband was in receipt of revised retiring pension of Rs _ per month videPPO No _ dated _ . In addition he was inreceipt of Dearness pension and Dearness relief. These were being paid by your Bank branch throughJoint Saving A/C No _ -.

* 3. My name is included in the above PPO for payment of family pension. I am also a Joint holder of the above Joint Saving A/c No _ with your Bank.

4. In view of the demise of my husband, it is requested that his pensionary payments be discontinued with effect from date of death ie _ . My family pension may please he credited to same Joint saving account No _ with effect from _ .

Thanking you,

Yours faithfully,

Copy to: -

1. CCDA (P) - for information and necessary action alongwith

Draupdighat a copy of Death Certificate.Allahabad – 211014U.P (Tel : 0532-623849)

2. Adjutant General‟s Branch / MP for information and necessary action

5(b)- alongwithIHQ of MoD (Army) a copy of Death Certificate.West Block –III, R K Puram

New Delhi – 110066, (Tel : 011-26195662/26195669)

HELP CALL

3. AG‟s Branch/PS 4( c) - for infoIHQ of MoD (Army)DHQ PO, New Delhi - 110011 (Tele : 011-3375138)

4. AG‟s Branch/CW-8(AOBF)

- for information and necessary action alongwith a

IHQ of MoD (Army) copy of Death Certificate.West Block III, R.K.Puram

New Delhi - 110066 (Tele 011-6196217)

5. IHQ of MoD (Army) (Coord Section of Regt/Corps Concerned)

6. Army Group Insurance Fund - The following documents are enclosed: - AGI Bhawan (a) Death CertificateRao Tula RAM Marg (b) Extended Insurance CertificateNew Delhi - 110057 No _ (Tele: 011-26142793) ( c) My Bank Particulars are as follows: -

(i) SB A/c No .............................. (ii) Name of Bank ......................... (iii) Address of Bank

It is requested that the amount of the sum assured may please be sent to my Bank A/c as mentioned above, under intimation to me.

* If this Para is not applicable, please take action as per Para 59 (c).

7. Ministry of Defence (Pen-C)

- for information and necessary action

Ministry of Defence alongwith a copy of Death Certificate.

New Delhi-110011

HELP CALL

Form No MPB-501

TO, The PCDA (P), Allahabad

Appendix „ K‟ (Refers to Para 59 (c))

APPLICATION FORM FOR PENSION TO WIDOW OF OFFICERS

PART-I

PARTICULARS RELATING TO DECEASED OFFICER

1. Surname _ First Name _ (Block Letters)

2. (a) Unit/Corps/Ship _ (b) Rank _

(c) Date of Birth _ (d) Place of Birth _

3. To be answered only if death occurred after termination of service.

(a) Date of Death _ (b) Place of Death _

PART-II

PARTICULARS OF APPLICANT

4. Surname _ First Name _ (Block Letters)(Block Letters)

5. Address in Full _

6. (a) Date of Birth _ (b) Date & Place of Marriage _

7. Were you living apart from your husband at the time of his death for any reason other thanhis employment with the forces ? If „Yes‟ attach a statement of circumstances.

8. (a) Particulars of children of the deceased officers under 18 years of age (see note overleaf) in respect of whom allowances claimed.

BIRTH CERTIFICATE TO BE ATTACHED IF AVAILABLE

Full Name

(Full Name of each child

Sex

Date and Place of Birth

Present Address (if differentfrom your own, state reasons)

(b) Are all the children maintained by you _ (c)Nationality _ (d)

State/Province, you belong _

9. Have you or any of the children been injured in war _ If so, state date, place and nature of injury and whether your claim for compensation has

been made _ .

HELP CALL

10. (a) Are you or any of your children in receipt of any pension or allowance.

(b) Have you applied for any pension or allowance (apart from the present application)or do you intend doing so. _ If so, state as to when you have applied or intend to apply _ .

11. State Name of Treasury or Bank and A/C No where you desire pension should be made payable, if granted.

PART-IIIPARTICULARS OF ANY PENSION RECEIVED BY THE DECEASED OR THE

APPLICANT OR THEIR CHILDREN

Name ofPensioner

Nature of pensionor allowance

Amount By whom paid Reference No (PPO Noand Date)

DECLARATION

I HEREBY DECLARE that to the best of my knowledge and belief, the answers to the questions on this form are true and complete and I claim pension on the basis of the facts set forth. I undertake to furnish any further particulars that may be required.

Witness to signature (Any Commissioned Ordinary Signature of applicantOfficer of the Defence Services on effective list not below the rank of Capt or equivalentrank or Magistrate under his court seal).

Address of witness _

Date :

Note. When pecuniary circumstances require, an allowance may also be granted under certain conditions after the age of 18 for child who is :-

(i) An apprentice (or in an analogues position) receiving not more than nominal wages.OR

(ii) Being apprentice at University, Technical Schools or Secondary School or

(iii) Incapable of self support by reason of infirmity. If you wish to claim any such

allowance you should attach a statement giving full particulars.

HELP CALL

From

Appendix „ L‟ (Refer to Para 58 (g))

Name : Telephone No

Address _ Mobile No

To,Secretary (Club)--------------------------------------------------

TRANSFER OF MEMBERSHIP NO _ TO WIDOW OF LATE _ .

Dear Sir,

1 I regret to inform you that my husband IC _ Rank _ Name _ expired on date _ at _ .

2 It is requested that Membership No _ may please be transferred to my name. Two copies of my attested photographs are enclosed. Membership Card No _ of my late husband is enclosed for cancellation. My Membership Card may please be sent to me at the above address.

3. All correspondence and billing may please continue to done at the present address as before.

Thanking YouYours faithfully

( _ )

HELP CALL

From : _ Address _

Appendix „ M‟ (Refer to Para 58 (m))

Telephone NoMobile No

To,Income Tax Officer--------------------------------------------------

CLOSING OF INCOME TAX RETURN FILE AND LINKING WITH THE IT RETURN OF THE BENEFICIARIES

IC _ Rank _ Name _ .

Income Tax Account No _ PAN No _

Dear Sir,

1. I regret to inform you that my husband _ expired on _ . The copy of the Death Certificate is enclosed.

2. He was in receipt of retiring/revised pension of Rs _ per month.

*3. As the cause of his death was due to an accident, FIR has been lodged with the police Station in Sector _ copy of FIR is enclosed.

Action Requested

1. You are requested to kindly Close the IT return File of my late husband

2. May I request you to please guide me as to the other action that I should take so that the Income Tax Returns in respect of the Beneficiaries may be linked and proper Annual Income Tax Returns may continue to be submitted to you.

Should you require any additional information or documents you may please contact me at the address and telephone numbers given above.

Thanking You

Yours faithfully

( _ _)

* If applicable, otherwise delete.

HELP CALL

Appendix „ N‟ (Refer to Para 58(s))

From : _

To : * Rajya/ Zila Sainik Kalyan Board1, Rajpur RoadDELHI – 110054 (Tele : 23991876, 23969260)

Sub: ISSUE OF WIDOW IDENTITY CARD IN RESPECT OF LATE

IC _ Rank _ Name _ Regt/Corps _

Sir,

1. I regret to inform you that my husband _ expired on _ due to _ . He was in receipt of retiring pension of Rs _ per month vide PPO No _ dated _ . Death Certificate to this effect issued by the Hospital/Municipality is enclosed.

2. Identity Card No- _ (Issued by Rajya/Zila Sainik Kalyan Board) in respect of my late husband is enclosed for your records please. Also enclosed are the following :

(a) A copy of the above PPO

(b) Three copies of my photograph duly attested.

3. It is requested that a Widow Identity card may please be issued to me at the earliest.

Yours faithfully

* Indicate the address as applicable in your location.

HELP CALL

Appendix „ O‟ (Refer to Para 67)

To,The Chief of Army StaffThe Chief of the Naval StaffThe Chief of the Air Staff

1(1)/2001/D/(Pen/Policy) Government of India Ministry of Defence Deptt. Of Ex-Servicemen Welfare New Delhi

20 Jan, 2009

Subject :- Grant of Special Family Pension to Widows who Re-marriedBefore 01.01.1996- Instructions Regarding

Sir,

1. In continuation of this Ministry‟s letter No PC 1(2)/97-D(Pen-C), dated 16 May 2001 on the subject mentioned above, I am directed to convey the sanction of the President to grant Special Family Pension to a widow whose Special Pension was stopped on her re-marriage before 01 January1996. Such pension may be regulated in terms of para 5.8 of this Ministry‟s letter No 1(2)/97D(pen- C) dated 31 January 2001.

2. The actual benefits arising out of this order will be payable from the date of issue of this letter. No arrears shall be admissible.

3. Pension regulations of three Services will be amended in due course.

4. This issue with the concurrence of Defence (Finance) vide their UO No 200/Fin/Pen dated07.01.2009

Yours faithfully, Sd/xxxxxxxxx(Ajay Saxena)

Under Secretary to the Government of India

HELP CALL

Appendix „ P‟ (Refer to Para 77)

PENSION / FAMILY PENSION PER MONTH- PRE 1.1.2006

CASES FOR OFFICERS/NOK

SerNo

Rank BasicPension as on1.1.2006

DearnessPension as on @

TotalPension

BasicFamilyPension as on1.1.2006

DearnessFamilyPension as on @

TotalFamilyPension

Remarks

(a)

(b) (c) (d) (e) (f) (g) (h) (j)

1 2nd Lt/Lt 13500.00

8100.00

2 Capt 13850.00

8310.00

3 Major 14100.00

8460.00

4 Lt Col (TS) 25700.00

15420.00

5 Lt Col (S) 25700.00

15420.00

6 Colonel 26050.00

15630.00

7 Brigadier 26150.00

15690.00

8 Maj Gen 26700.00

16020.00

9 Lt Gen 36500.00

21900.00

10

Lt Gen(VCOAS/ Army Cdr

40000.00

24000.00

11

GeneralCOAS

45000.00

27000.00

Notes :-

1. The above pension and family pension rates are based on the following Govt ofIndia, Min of Def, Deptt of Ex-Serviceman Welfare, New Delhi :-

(a) Letter No 16(6)2008(1) D(Pension/Policy dated 11 Nov

2008. (b) Letter No 17(4)2008(i)/D Pen/Policy dated 20 Jan

2009.

(c) Letter No 16(6)2008(1) D(Pension/Policy dated 21 May

2009. (d) Letter No 16(6)2008(1) D(Pension/Policy dated 20

Jan 2010.

2. Columns (d) and (g) will become applicable when the Dearness relief (DR) crosses 50%, when 50 % of the DR will be merged with Basic Pension/ Basic Family Pension as Dearness Pension.These columns may then be filled accordingly. When this happens the total of columns (c+d) will be total Basic Pension under column (e). Similarly the total of columns (f+g) will be total family pension under column (h).

3. The Pension amount shown in column (c) above is for Qualifying Service of 30 years and above.

HELP

CALL

Appendix „ Q‟ (Refer to Para 77)

PENSION / FAMILY PENSION PER MONTH- PRE 1.1.2006 CASES FOR PBOR/NOK

TABLE – 1 SERVICE PENSION

Rank Sep Naik Havildar Nb Sub Sub Sub Maj HonyLt

HonyCapt

As on01.01.2006

X Y X Y X Y X Y X Y X Y X X

10 3500

3500

3500

3500

3500

3500

3841

3523

3932

3614

3978

3660

6137

6296

10.5 3500

3500

3500

3500

3500

3500

3969

3641

4036

3735

4110

3782

6341

6506

11 3500

3500

3500

3500

3500

3500

4097

3758

4194

3855

4243

3904

6546

6716

11.5 3500

3500

3500

3500

3500

3500

4225

3875

4325

3975

4375

4025

6750

6925

12 3534

3500

3500

3500

3500

3500

4354

3993

4457

4096

4408

4147

6955

7135

12.5 3614

3500

3500

3500

3500

3500

4482

4110

4588

4216

4651

4269

7160

7345

13 3694

3500

3500

3500

3500

3500

4610

4228

4719

4337

4773

4319

7364

7555

13.5 3775

3500

3584

3500

3500

3500

4738

4345

4850

4457

4906

4513

7569

7765

14 3855

3500

3667

3500

3500

3500

4866

4463

4981

4578

5038

4635

7773

7975

14.5 3935

3500

3750

3500

3541

3500

4994

4580

5112

4698

5171

4757

7978

8185

15 4016

3500

3834

3500

3628

3500

5122

4697

5243

4819

5304

4879

8182

8394

15.5 4096

3555

3917

3500

3714

3500

5250

4815

5374

4939

5436

5001

8387

8604

16 4176

3625

4000

3500

3800

3500

5378

4932

5505

5060

5569

5123

8591

8814

16.5 4257

3694

4084

3564

3887

3500

5506

5050

5636

5180

5701

5245

8796

9024

17 4337

3764

4167

3637

3973

3500

5634

5167

5767

5300

5834

5367

9000

9234

17.5 4417

3834

4250

3710

4060

3561

5762

5285

5898

5421

5966

5489

9205

9444

18 4497

3904

4334

3782

4146

3637

5890

5402

6029

5541

6099

5611

9410

9654

18.5 4578

3973

4417

3855

4232

3713

6018

5519

6160

5662

6232

5733

9614

9863

19 4658

4043

4500

3928

4319

3788

6146

5637

6291

5782

6364

5855

9819

10073

19.5 4738

4113

4584

4000

4405

3864

6274

5754

6422

5903

6497

5977

10023

10283

20 4819

4182

4667

4073

4491

3940

6402

5872

6554

6023

6629

6099

10228

10493

20.5 4819

4182

4750

4146

4578

4016

6530

5989

6685

6144

6762

6221

10432

10703

21 4819

4182

4834

4219

4664

4091

6658

6107

6816

6264

6894

6343

10637

10913

21.5 48 418 49 42 475 41 67 622 69 63 702 64 108 111

19 2 17 91 0 67 86 4 47 85 7 65 41 2222 48

194182

5000

4364

4837

4243

6914

6341

7078

6505

7160

6587

11046

11332

22.5 4819

4182

5000

4364

4923

4319

7042

6459

7209

6625

7292

6709

11250

11452

23 4819

4182

5000

4364

5010

4394

7170

6576

7340

6746

7425

6831

11455

11752

23.5 4819

4182

5000

4364

5096

4470

7298

6694

7471

6866

7557

6953

11660

11962

24 4819

4182

5000

4364

5182

4546

7426

6811

7602

6987

7690

7075

11864

12172

24.5 4819

4182

5000

4364

5182

4546

7554

6929

7733

7107

7822

7198

12069

12382

25 4819

4182

5000

4364

5182

4546

7682

7046

7864

7228

7955

7319

12273

12591

25.5 4899

4252

5084

4437

5269

4622

7810

7163

7995

7348

8088

7441

12478

12801

26 4979

4322

5167

4510

5355

4697

7938

7281

8126

7469

8220

7563

12682

13011

26.5 5060

4391

5250

4582

5441

4773

8066

7398

8257

7589

8353

7685

12887

13221

27 5140

4461

5334

4655

5528

4849

8194

7516

8388

7710

8485

7807

13091

13431

27.5 5220

4531

5417

4728

5614

4925

8332

7633

8519

7830

8818

7929

13296

13641

28 andabove

5300

4600

5500

4800

5700

5000

8450

7750

8650

7950

8750

8050

13500

13850

TABLE – 3 FAMILY PENSION

As on01.01.2006

3500

3500

3500

3500

3500

3500

5070

4650

5190

4770

5250

4830

8100

8310

Note :- 1. Rank means rank last held and not the rank for which pensioned.2. PBOR retained in service and beyond the maximum period of service during emergency from 26.10.62 and 04.08.71 and operation PRAKARAM minimum pension has been shown upto 28 years.3. Defence Security Corps (DSC) pensioners belonging to clerical cadre and Gen duty cadre shall be paid on the basis of pension/family pension for Group „Y‟ in respective of ranks Army.

HELP CALL

Appendix „ R‟ (Refer to Para 79)

DEARNESS RELIEF

Date from which payable Rate of Dearness Relief per MensemFrom 01.01.2006 No Dearness ReliefFrom 01.07.2006 2% of Basic pension/Family pensionFrom 01.01.2007 6% of Basic pension/Family pensionFrom 01.07.2007 9% of Basic pension/Family pensionFrom 01.01.2008 12% of Basic pension/Family pensionFrom 01.07.2008 16% of Basic pension/Family pensionFrom 01.01.2009 22% of Basic pension/Family pensionFrom 01.07.2009 27% of Basic pension/Family pensionFrom 01.01.2010 35% of Basic pension/Family pensionFrom 01.07.2010 45% of Basic pension/Family pensionFrom 01.01.2011 of Basic pension/Family pensionFrom 01.07.2011 of Basic pension/Family pensionFrom 01.01.2012 of Basic pension/Family pensionFrom 01.01.2012 of Basic pension/Family pension

of Basic pension/Family pensionof Basic pension/Family pension

Note :- Dearness Relief at the rates indicated in above table will also be admissible on the additional basic pension/additional family pension available to older pensioners/family pensioners based on the age of as indicated in Ministry of Personnel , PG & Pensions, Deptt of Pensions & Pensioners Welfare letter No 42/2/2008P&PW(G) dated 12 Sep 2008.

HELP CALL

Appendix „ S‟ (Refer to Para 85)

By Speed Post

No. G-1/M/01/ICOs/VICPC/ COMP/Vol-I Office of the PCDA(P)Allahabad-14

To,

(i) Integrated H.Qrts. of MoD (Army)AG‟s Branch, West Block-V RK Puram, New Delhi-66

(ii) Integrated H.Qrts. of MoD (Air Force ) D of PP&R, West Block -VIRK Puram, New Delhi-66

(iii) Integrated H.Qrts. of MoD (Navy) PP&A, DHQ PONew Delhi

Date : 11/09/2009

SUB :- Notification Of Date Of Birth Of Pensioners On The PPO For Additional Pension

REF:- GOI, MoD Letter No 17/(4)/2008(I)/D(Pen/Policy) Dated 11/11/2008

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

A data sheet bearing No G-1/M/DS-4A(copy Enclosed) has been designed for notification of date of birth of retired / deceased commissioned officers and their family for issue of corrigendum PPO for notification of Date of Birth through PPO for the purpose of additional Pension.

It is requested that the claim for notification of date of birth may be sent on above data sheet duly signed by the competent authority alongwith supporting documents. The format of data sheet along with instructions for filling same are enclosed herewith for perusal and necessary action in the matter.

(Sd/-xxxxxxx) Encls ( as above) A CDA (P)

Copy to :-

The CGDAWest Block- RK Puram New Delhi-66

NOO

The OI/CGp-IV,V,VII,VIII,IX,X(Local)………… For information and necessary action in the matter. A copy of LPC cum data sheetalongwith instructions for filling the same are enclosed herewith for perusal.

HELP CALL

Annex 1 of Appx „ S‟(Refer to Para 85)

RANK CODE

ARMY

AIR-FORCE NAVY

CODE

SECOND LT PLT OFFICER ACTING SUB LT 1

LIEUTENANT FLYING OFFICER SUB LIEUTENANT 2

CAPTAIN FLT LIEUTENANT LIEUTENANT 3

MAJOR SQN LEADER LT COMMANDER 4

LT COL (TS) WING COMMANDER (TS) COMMANDER (TS) 5

LT COLONEL WING COMMANDER (S) COMMANDER (S) 6

COLONEL GROUP CAPTAIN CAPTAIN 7

BRIGADIER AIR COMMODORE COMMODORE 8

MAJ GENERAL AIR VICE MARSHAL REAR ADMIRAL 9

LT GENERAL AIR MARSHAL VICE ADMIRAL 10

LT GEN (CMDR) AOC-IN-C FOC-IN-C 11

LT. GEN (DGAFMS) ****** ****** 12

LT.GEN (VCOAS) V C A S V C N S 13

GEN (COAS) C A S C N S 14

COLONEL (TS) ******* ****** 15

HELP CALL

Annex 2 of Appx „ S‟(Refer to Para 85)

PDA CODES

Pension Disbursing Agencies CODE

DPDO 1

POST OFFICE 2

TREASURY 3

INDIAN EMBASSY NEPAL 4

PAO 5

Director of Accounts, PANAJI, GOA 6

FINANCE SECRETARY GANGTOK 7

Indian Embassy, THIMPU 8

PUBLIC SECTOR BANK 9

HELP CALL

Annex 3 of Appx „ S‟(Refer to Para 85)

DPDO CODES

DPDO CODE DPDO

CODE

CHANDIGARH 01

BANGALORE 30

RED-FORT-1 02

ERNAKULAM 31

RED-FORT-II 03

KOTTAYAM 32

BRAR SQUARE 04

TRICHUR 33

HYDERABAD 05

TRIVENDRUM 34

SECUNDERABAD 06

QUILON 35

PALAMPUR 07

AMRITSAR 36

HAMIRPUR 08

KAPURTHALA 37

DHARAMSALA 09

BATALA 38

YOL 10

LUDHIANA 39

MANDI 11

MOGA 40

SIMLA 12

JULLUNDER 41

KARNAL 13

JAGRAON 42

AMBALA 14

PATIALA 43

BHIWANI 15

BHATINDA 44

JHAJHAR 16

ROPAR 45

SONEPAT 17

HOSHIARPUR 46

GURAOAN 18

FEROZEPUR 47

ROHTAK 19

SANGRUR 48

NARNAUL 20

PATHANKOT 49

HISSAR 21

GURDASPUR 50

RIWARI 22

JAIPUR 51

JAMMU-TAWI-I(AKHNOOR ROAD)

23

MADRAS 52

JAMMU- TAWI- II 24

VELLORE 53

JAMMU-CANTT(SHASTRI NAGAR)

25

MEERUT 54

UDHAMPUR 26

KANPUR 55

SRINAGAR 27

GORAKHPUR 56

RAJOURI 28

ALLAHABAD 57

LEH 29

CALCUTTA 58

PATHANAMTHITTA 60

UNA 59

JHUNJHUNU 61

DASUYA 62

HELP CALL

Annex 4 of Appx „ S‟(Refer to Para 85)

CODES FOR STATE / UNION TERRITORIES / NEPAL

SNO

STATE

CODE

1.

ANDHAR PRADESH AP

2.

ASSAM AS

3.

BIHAR BI

4.

GUJRAT GU

5.

HARYANA HA

6.

HIMACHAL PRADESH HP

7.

JAMMU & KASHMIR JK

8.

KARNATAKA KA

9.

KERALA KE

10.

MADHYA PRADESH MP

11.

MAHARASHTRA MA

12.

MANIPUR MN

13.

MEGHALAYA ME

14.

NAGALAND NA

15.

NEPAL NE

16.

ORISSA OR

17.

PUNJAB PB

18.

RAJASTHAN RS

19.

SIKKIM SK

20.

TAMIL NADU TN

2 TRIPURA T

1.

R

22.

UTTAR PRADESH UP

23.

WEST BENGAL WB

24.

GOA, DAMAM & DIU GD

25.

ANDAMAN & NICOBAR ISLAND AN

26.

ARUNACHAL PRADESH AR

27.

DADAR & NAGAR HAVELI DN

28.

CHANDIGARH CH

29.

DELHI DE

30.

LAKSHADWEEP LD

31.

MIZORAM MZ

32.

PONDICHERY PO

33.

CHHATTIS GARH CG

34.

JHARKHAND JR

35.

UTTARANCHAL UR

36.

BHUTAN BH

HELP CALL

Annex 5 of Appx „ S‟(Refer to Para 85)

BANK CODES

SLNO

NAME OF BANK

CODE

1.

ALLAHABAD BANK ALD

2.

BANK OF BARODA BOB

3.

BANK OF INDIA BOI

4.

BANK OF MAHARASHTRA BOM

5.

CANARA BANK CNB

6.

CENTRAL BANK OF INDIA CBI

7.

DENA BANK DEB

8.

INDIAN BANK INB

9.

INDIAN OVERSEAS BANK IOB

10.

NEW BANK OF INDIA NBI

11.

ORIENTAL BANK OF COMMERCE OBC

12.

PUNJAB & SIND BANK PBE

13.

PUNJAB NATIONAL BANK PNB

14.

STATE BANK OF BIKANER & JAIPUR SBB

15.

STATE BANK OF HYDERABAD SBH

16.

STATE BANK OF INDIA SBI

17.

STATE BANK OF INDORE SBD

18.

STATE BANK OF MYSORE SBM

19.

STATE BANK OF PATIALA SBP

20.

STATE BANK OF SAURASHTRA SBS

2 STATE BANK OF TRAVANCORE SB

1.

T

22.

SYNDICATE BANK SYB

23.

UNION BANK OF INDIA UBI

24.

UNITED BANK OF INDIA UTI

25.

UNITED COMMERCIAL BANK UCO

26.

VIJAYA BANK VJB

27.

CORPORATION BANK COB

28.

ANDHRA BANK ANB

29.

I.C.I.C.I. BANK LTD. ICI

30.

H.D.F.C. BANK LTD. HDF

31.

I.D.B.I. BANK LTD. IDB

32.

AXIS BANK LTD. UTB

M

M

HELP CALL

DATA SHEET GIM/DS/4-A

Annex 6 o f Appx „ S‟ (Refer to Para 85)

LPC-CUM-Data Sheet For Grant of Additional Pension to Pensioners/FP Over 80 Years- Commissioned Officer

Series Prefix if any PPO NoYear

1. Original PPO No

2 Latest Corr PPO No

3 Rank for Pension

4 Name of Pensioner/ Deceased

5 Pers Number 6 Date of Birth

Whether Pensioner Alive 8 Name of Spouse / Family Pensioner

9 Date of Birth of Spouse/FP

PDA DET

AILS

10 PDA Code 11 DPDO Code 12 PDA State Code

13 Bank/Sub Treasury Code 14 BSR Code LinkBank

15 Link Bank

16 Bank Account No

17 BSR Code Paying Br 18 Bank Br

19 PDA Station

20 Wing

SERVICE HEADQUARTERS

Pr . CDA (P) CHECKED/APPROVED

Adr/Sr Adr SO(A)/AAO AO/SO

HELP CALL

For Data Sheet G1M/DS/4-A

Annex 7 of Appx „ S‟(Refer to Para 85)

Instructions for filling of data sheet in r/o Commissioned Officers for Grant of Additional Pension over 80 years of age.

S.No Field Name Fieldlength

Field*Character

Description

1. ORIGINAL PPO NO.SeriesPrefix PPO No. PPO Year

01080604

A A N N

M (fixed)

2. Latest Corr. PPO NO.Series Prefix PPO No. PPO Year

01080604

A A N N

M (fixed)

3. Rank for Pension 02 N Rank Code as per code list Annx-14. Pensioner‟s Name 36 A Name of Pensioner5. Personal No. 9 X Regimental No. Notified In the

PPOmentioned above as original PPO.

6. Pensioner‟s Date of birth 08 N DDMMYYYY7. Whether Pensioner Alive 01 A Y/N8. Name of

spouse/familyPensioner

36 A Name of Spouse/Family Pensioner.

9. Date of birth of spouse/familyPensioner

08 N DDMMYYYY

10. PDA code 1 N 1 to 9 as per Annexure-211. DPDO code 2 N If PDA Code is “1” as per

Annexure-3 Otherwise `OO‟

12. PDA State Code 2 A As per Annexure-413. Bank/Sub Treasury Code 3 A As per Annexure-5 or `SUB‟

fortreasury is to be filled if PDA Codeis `3‟ and pensioner desires to drawpension from sub treasury.

14. Link Bank BSR CODE 7 N The Code allotted by RBI to eachbank branch.

15. LINK BANK 40 X Address of Link Bank16. Bank A/C No. 25 X Filled from left side only. If the

character is less than 25 the right hand boxes may be kept blank

17. Paying BANK BSR CODE 7 N The code allotted by RBI to eachbank branch.

18. Bank Branch/SubTreasury

station

35 X Address of bankbranch/Sub

Treasury19. PDA STATION 25 X DISTRICT NAME OF PDA.20. WING 1 A A---ARMY, N---NAVY,

F---AIRFORCEFIELD CHARACTERA = AlphabetN = NumericX = Alpha-Numeric

HELP CALL

From : _

Appendix „ T‟ (Refer to Para 89)

ToThe Manager (Bank)

Dear Sir/ Madam,

NOMINATION FOR PAYMENT OF LIFE TIME ARREARS SB A/C No _

1. I am an ex-serviceman, My pension is credited to my Saving Account No _ with your bank and my PPO number is _ .

2. I am yet to receive all the arrears due to me on account of 6Th CPC awards leaving large sums still due. Secondly, due to revisions being approved in bits and pieces finalized arrears of pension are likely to remain unpaid for a long time. Some judicial decisions could also increase the due arrears.

3. In order to overcome any difficulty arising out of a pensioner expiring before all the arrears are paid, the pensioners have been advised to fill in & submit a nomination for Life Time Arrears . Instructions on the website of PCDA(Pension), Allahabad refer.

4. Accordingly, please find enclosed 3 copies of the Nomination form. One copy is for the records of your Bank, One copy to be forwarded to PCDA(Pension), Allahabad & one copy may please be receipted for my records.

Thanking you,

Date : Yours faithfully,

Enclosures : (3 copies of Nomination forms for Life Time Arrears) Copy to :-PCDA(Pensions) Draupadi Ghat Allahabad

HELP CALL

Annx 1 t o Appx „ T‟ (Refer to Para 89)

Name of BankBranch & Address

FORM FOR NOMINATION FOR

CLAIMING ARREARS (To be filled by the pensioner

during his life time) (FORM-A (See rule 5)

1. I, , hereby nominate the persons named below under Rule 5 of the payment of Arrears of Pension (Nomination) Rules, 1993.

1 2 3 4 5Name andAddress of the nominee

Relationshipwith Pensioner

Date ofBirth

Name and Address of person whomay receive the said pension during nominees minority

Percentageto be paid

6 7 8 9 10

11

Name and Address ofthe other Nominee in case the Nomineeunder column (i) abovePre-deceases thePensioner

RelationshipwithPensioner

DateofBirth

Name and addressof person who may receive thepension during theother nominees minority

Contingencyon happening whichnominationshall become invalid

Percentageto be paid

Place :Signature : Date :Rank : PPO

No : Name :Saving A/c No : Address & Tele No :

Witnesses

Signature

Signature Name : Name : Address :

Address :

Acknowledgement to be sent by the Pension Disbursing

Authority/Head of Office

Certified that application/nomination has been received from _ , resident of

Place : Signature of Pension Disbursing Authority

Date : Full address:

HELP CALL

„ Q UO TAB LE Q UO TES‟

Appendix „ U‟ (Refer to Para 94)

1. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch.

2. Pay off your credit cards every month.

3. You don't have to win every argument. Agree to disagree.

4. Cry with someone. It's more healing than crying alone.

5. It's OK to get angry with God. He can take it.

6. When it comes to chocolate, resistance is futile.

7. Make peace with your past so it won't screw up the present.

8. Don't compare your life to others. You have no idea what their journey is all about.

9. Everything can change in the blink of an eye. But don't worry; God never blinks.

10. Take a deep breath. It calms the mind.

11. Get rid of anything that isn't useful, beautiful or joyful.

12. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special.

13. The most important sex organ is the brain.

14. Time heals almost everything. Give time time.

15. However good or bad a situation is, it will change.

16. Growing old beats the alternative - dying young.

17. Get outside every day. Miracles are waiting everywhere.

18. Envy is a waste of time. You already have all you need.

19. No matter how you feel, get up, dress up and show up.

20. Yesterday is History, Tomorrow is Mystery, Today is a Gift, That‟s why it is called „Present‟.

21. By living your life one day at a time, you live all the days of your life.

22. The quickest way to receive love is to give love.

23. Winning isn't everything. But wanting to win is.

24. You would achieve more, if you don't mind who gets the credit.

25. Don't fight too much. Or the enemy would know your art of war .

26. If you don't stand for something, you'll fall for everything.

27. Only thing that comes to you without effort is old age.

HELP CALL

28. Only those who do nothing do not make mistakes. Those who don't make mistakes usually don't make anything.

29. Never take a problem to your boss unless you have a solution.

30. Don't try to get rid of bad temper by losing it.

31. If at first you don't succeed, skydiving is not for you.

32. All progress has resulted from unpopular decisions.

33. There are two kinds of fools in this world. Those who give advice and those who don't take it.

34. The best way to kill an idea is to take it to a meeting.

35. Management is doing things right. Leadership is doing the right things.

36. Friendship founded on business is always better than business founded on friendship

37. Plan to spend whatever you have saved. You deserve to enjoy it and the healthy years you have left. Travel if you can afford it. Don't leave anything for your children or loved ones to quarrel about. By leaving too much, you may even cause more trouble when you are gone.

38. Live in the here and now, not in the yesterdays and tomorrow's. It is only today that you can handle. Yesterday is gone, tomorrow may not even happen.

39. Accept physical weakness, sickness and other physical pains. It is a part of the aging process. Enjoy whatever your health can allow.

40. Befriend death. It's a natural part of the life cycle. Don't be afraid of it. Death is the beginning of a new and better life. So, prepare yourself not for death but for a new life with the Almighty.

41. There is only one way to grow old : don‟t die.

42. Life

Life isn't fair, but it's still good.

Life is too short to waste time hating anyone.

Life isn't tied with a bow, but it's still a gift."

"Life is an opportunity, benefit from it. Life is beauty, admire it.Life is bliss, taste it.Life is a dream, realize it. Life is a challenge, meet it. Life is a duty, complete it. Life is a game, play it.Life is a promise, fulfill it. Life is sorrow, overcome it.Life is a song, sing it.Life is a struggle, accept it. Life is a tragedy, confront it. Life is an adventure, dare it.Life is luck, make it.Life is too precious, do not destroy it. Life is life, fight for it."

HELP CALL

Note : To be printed on the

(Inner page of back cover)

ANY WAY

1. People are unreasonable, illogical and self centered. Love them any way.

2. If you do good, people will accuse you of selfish and ulterior motives. Do good any way.

3. If you are successful, you will win fake friends and true enemies. Succeed any way.

4. The good you do today will be forgotten tomorrow. Do good any way.

5. Honesty and frankness make you vulnerable. Be honest and frank any way.

6. People favor Underdogs but follow only Top dogs. Fight for Underdogs any way.

7. What you spend years building may be destroyed overnight. Build any way.

8. People really need help but may attack you if you help them. Help people any way.

9. Give the world the best you have and you will get kicked in the teeth. Give the world the best you have got, anyway.