Wednesday, October 15, 2014

Utilization of deposits remained unclaimed with Post Office and Banks


F.No 6504/94 (6)/2014/CommGOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF ECONOMIC AFFAIRS
NATIONAL SAVINGS INSTITUTE
(A. K.Chauhan)
joint Director, NSI &
Member – Secretary

October 8, 2014
PUBLIC NOTICE
A committee has been constituted by Ministry of Finance, Govt. of India to examine the unclaimed amount remained in various small savings schemes viz. Public Provident Fund, Senior Citizen Saving Schemes etc. and also to recommend how this unclaimed amount can be used to protect and further financial interest of the senior citizens, vide notification No. 13/20/2014.NS.II dated 03.09.2014. A copy of the notification Is available on our website finmin.nic.in and http:nsiindia.gov.in
Suggestions /ideas are invited on the proper utilization of deposits Remained unclaimed in various Small Savings Schemes with Post Offices and Banks for welfare and protecting financial interest of senior Citizens
Interested persons/organizations may submit their suggestions/ideas to the Joint Director National Savings Institute, Govt. of India. Ministry of Finance, ‘A’ Block, 4th Floor, CGO Complex, Seminary Hills, Nagpur — 440006 or email : nsi@nsiindia.gov.in latest by 15 November20141
Sd/-

Revision of pension of pre-1996 pensioners - inclusion of Non- Practicing Allowance (NPA) for revision of pension of retired medical officers w.e.f. 1.1.1996.


Friday, October 10, 2014

Manner of disposal of PPO – Death of the pensioner with no claimant authorized for family pension in the same PPO


GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF EXPENDITURE
CENTRAL PENSION ACCOUNTING OFFICE
TRIKOOT-II, BHIKAJI CAMA PLACE,
NEW DELHI-110066

CPAO/Tech/Bank Performance/2014-15/511-581,

23.09.2014

OFFICE MEMORANDUM

Sub: Manner of disposal of PPO – death of the pensioner with no claimant authorized for family pension in the same PPO

The Central Pension Accounting Office is a nodal agency for administering the Scheme for pension disbursement through public sector banks. It is in continuous process of streamlining and simplifying the pension delivery to the utmost satisfaction of Pensioner’s/ family pensioner’s comfort and convenience. The disbursement of family pension to the “family pensioner other than spouse” like widowed/divorced daughter is one of those areas in which a lot of efforts have been put in to simply and make them effective and efficient.


But it has been observed that a number of court cases and legal cases received in CPAO are mainly related to delay in the commencement of family pension to the family pensioner other than a spouse and arisen due to negligence on the part of the banks in returning the disbursers’ and the pensioners’ half of the PPO to CPAO if there is no family pensioner stands to be authorized through the same PPO.

In this context, Para 23.3 of “Scheme for Payment of Pensions to Central Government Civil Pensioners through Authorized Banks” provides the manner of disposal of PPOs wherein no claimant exists after the death of pensioner/family pensioner with the stipulation that the disburser’s portion as well as pensioner’s portion of the PPO is to be returned to CPAO for updation of its record and onward transmission to the PAD/AG who had issued the PPO for similar action and record.

The non-compliance of these instructions by the banks is resulting increase in receipt of number of court cases and legal cases in CPAO, non-updation of CPAO’s and PAO’s relevant record, delay in authorization of family pension to the eligible family members for whom a new PPO is to be issued, causing hardship to the claimants, points raised by the Pensioners’ Welfare Associations from different platforms including SCOVA meetings.

The Para 6.3.1 of the CPPC Guidelines also stressed upon the strict adherence to the codal provisions of “Scheme Booklet”, CCS[Pension] Rules, Orders, Guidelines on Pension issued by Government of India/Reserve Bank of India from time to time.

Non-compliance of codal provisions by the banks is a very serious lapse on their part. Therefore, it is imperative to instruct the Heads of CPPC of all the banks/ Heads of Govt. Business Divisions to take a stock of these cases and send a Review Report within seven days from the receipt of this Office Memorandum followed by returning of both the halves of all such PPOs wherein pensioner/spouse has died and no claimant for family pension has been authorized in the PPO. The matter may be taken
on priority as it is under review at the higher level.

This issues with the approval of Chief Controller [Pensions].

The Hindi version will follow.

(M.M. Kaushik)
Asstt. Controller of Accounts

Source: www.cpao.nic.in

Tuesday, October 7, 2014

Alzheimer’s disease a global burden Sep 25, 2014 - Mala Kapur Shankardass

It is currently estimated that Alzheimer’s disease and other age-related dementias afflict over 44 million people worldwide




Sep 25, 2014 - Mala Kapur Shankardass


Globally, September is observed as Alzheimer’s disease awareness month starting from 2012. In different parts of the world various events such as walks, discussion meetings, and memory screenings mark the raising of awareness about the disease.
In India, Alzheimer’s and Related Disorders Society of India with 20 chapters spread across the country organises observance of the World Alzheimer’s Day on 21st September and throughout the month brings together medical professionals, care providers, nursing and paramedical professionals, social and health organisations and government agencies to deliberate on issues related to risk factors, preventive strategies, advocacy and policies for better diagnosis and care facilities.
In fact this year, the theme is “Dementia: can we reduce the risk.”
It is currently estimated that Alzheimer’s disease and other age-related dementias afflict over 44 million people worldwide, with nearly 60 per cent living in developing countries and this figure is projected to rise with ageing of the populations.
Dementia, of which Alzheimer’s is the most common, is a syndrome that can be caused by a number of progressive disorders that affect memory, thinking, behaviour and the ability to perform everyday activities.
The World Alzheimer’s Report 2014 observes that Alzheimer’s disease and other forms of dementia must become a national and international public health priority. Governments must develop adequate strategies to deal with the epidemic holistically including tackling both reduction in risk for future generations, and adequately caring for people with the condition and supporting their friends and family. The focus is on ways through which we may be able to help reduce our risk of developing dementia with brain healthy lifestyles.
Mounting evidence suggests that modifiable factors in mid-life will alter an individual’s risk of dementia in later decades. For example, one analysis concluded that almost half the statistical probability of getting Alzheimer’s disease may be accounted for by seven modifiable risk factors diabetes, midlife hypertension, midlife obesity, smoking, depression, cognitive inactivity or low educational attainment, and physical inactivity and reducing the prevalence of these risk factors by 10 per cent could prevent up to 1.1 million cases of the disease worldwide.
In discussing the global impact of non-communicable diseases in recent times, Alzheimer’s disease is counted as an important part of the global burden. Evidence from various studies, collectively, presents that outcome of public health strategies and improved individual quality of life results in delayed onset of dementia with fewer years spent in a state of reduced independence and needing care.
However, given the emergence of chronic diseases in countries of East and South Asia, such as China and India, indicates a worrying trend towards the increase in prevalence of dementia.
Increasing epidemic of obesity and blood pressure levels, stroke, Ischaemic heart disease, diabetes, etc., is bringing an epidemiological transition which is likely to bring greater burden of different dementias including Alzheimer’s disease.
Efforts towards improving public health measures can greatly positively impact upon dementia risk in later life. Countries need to monitor the impact of prevention programmes on the future scale of the dementia epidemic. It is an encouraging development that India and the Netherlands have taken up a joint research project to test strategies to prevent dementia.
The costs of dementia, including informal and formal care, are high to society. The total estimated worldwide cost of dementia reported in 2010 was $604 billion. In India, as it is in other developing countries, informal care accounts for the majority of total costs and direct social care costs and direct medical care costs are much lower.
However, in reviewing the global burden of dementia, combining efforts to deal with non-communicable diseases will contribute towards efficient use of national resources and public health funds.
As experts point out that consideration needs to be given to ways in which dementia specific approach might complement and add value to the broader non-communicable disease prevention initiative. Greater attention needs to be given to health promotion activities to achieve a change through aggregated modification of individual lifestyles and behaviours. It is never too late to start.

The author is a health sociologist and gerontologist



No country for elderly: Challenges of ageing

Published in The Asian Age (http://www.asianage.com)

No country for elderly: Challenges of ageing

Mala Kapur Shankardass
Created 2 Oct 2014 - 00:00
On 1st October this year, the world will observe the 24th International Year of Older Persons with the theme “Leaving No One Behind: Promoting a Society for All”. The world is ageing at a remarkable pace and the pace of change is that in another 35 years, by 2050, the older generation will outnumber those under 15. It is time for celebration as population ageing is a triumph of development, made possible by technological advances, better health care and hygiene, economic prosperity, declining fertility rates, lower infant mortality, and higher life expectancy. As UN data indicate not addressing the interests of older people is ignoring 20 per cent of the global population, i.e., 1.4 billion in another 15 years, with most of them living in the developing world. China and India have the highest proportion of the older people living in the world.
It is true that today older people make endless contributions to their families, communities and society. They contribute as family care givers, as workers, consumers, volunteers and taxpayers. Yet there are enormous challenges of population ageing that need to be faced. Overcoming age discrimination, which is rampant in societies, as well as ensuring income security and adequate and good health care, are important challenges. Studies from across the world indicate exponential rise of non-communicable diseases such as cancer, heart disease, diabetes and dementia, which disproportionately affect older people, who are also ignored in prevention and treatment of infectious diseases such as HIV, which target in general younger people.
Also, older people need decent work as much as the young along with lifelong learning and skills development. While societies prepare themselves to take care of the young, they forget that the old need equally if not more emotional and psychological care, especially when affected by frailty and chronic diseases.
With population ageing, countries need to pay more attention to the vulnerabilities of old age and make resources available to meet the needs of older people. Their rights need due consideration which not only need promotion but support across their whole life course. It is observed in all countries that lifetime inequalities of education, income, employment, health and gender are likely to increase with age, and thus these require a development approach rather than a welfare centric one. Reviewing the global ageing index indicates that many countries are not doing enough to support the well being of their ageing populations. For countries it is not enough to only collect data for younger age groups, for appropriate policy reforms and ageing well, age-disaggregated data is a must.
In terms of the global ageing index, it is observed that even though ageing is happening at a rapid pace in Africa, as such the world’s youngest continent in terms of age structure, many older people face economic and social hardships. Majority of the older people live in rural areas with very little access to services, markets, pensions and regular incomes.
In Asia, where there is uneven demographic transition but rapid ageing in all three sub-regions — East Asia, Central Asia and South Asia — the social economic implications of ageing are diverse and countries have very different rankings in the ageing index.
India which ranks at 73, comparatively low to many countries has low health care and lack of facilities and services to meet the growing needs of the older people. Indian government response in general has been slow and poor towards ageing till recently with the reforms in the social protection system and the Food Security Bill as compared to China, with rank 35 and Thailand, at rank 42.
While Europe fares better than Asia in the ageing index, it nonetheless experiences issues of pensions and rising poverty among the older people. Many European countries require significant effort and political will to meet the challenges of population ageing. In Latin America and the Caribbean, there has been significant progress in meeting the needs of the older people but the disadvantages accumulated at earlier stages of life remain a challenge, which require urgent and appropriate interventions to reverse them. However, with better pension systems they score better ranks in the ageing index. In North America and Oceania, many countries have good ageing ranks as they have been able to address a number of issues through national debates and public policy.
In general, countries which have introduced non-contributory basic pensions and are able to offer free or subsidised health care for older people are faring quite well in meeting the challenges of ageing. Also countries which are able to address cumulative disadvantages got from earlier life are in a better position to ensure better old age for their people. Some countries have sound and progressive social welfare policies across the life course and these certainly provide huge benefits in old age. How governments manage old age issues is a big challenge which can not be ignored in this century.

Mala Kapur Shankardass is an associate professor of sociology, Maitreyi College, University of Delhi, with specialisation in gerontology.