Sunday, September 29, 2013

National Conference cum TGB NFRPA Palakkad(Kerala)

We want this British days’ special treatment for Bureaucrats to end immediately.
Give equal benefit to all Pensioners at par with IAS
in Healthcare &  revision of Pension
Let 7th CPC & the Govt; know, no inequality &disparities will be tolerated this time
Roared Secy. Genl. Bharat Pensioners Samaj
Inaugurating 33rd General Body meeting cum National conference of NFRP  at Palghat(Kerala)

On28.09.2013

BPS Secy general’s Inaugural address to NFRP Palghat General Body on 28.09.2013



 BPS  Secy general’s Inaugural address to NFRP Palghat  General Body on 28.09.2013
Hounouarble dignitaries , respected, President, Secy Genl , office bearers of  NFRP Palghat,  Leaders of fraternal organizations,  delegates,  ladies and gentlemen,
I congratulate NFRP Palghat, its management, affiliates & members for having completed 32 year in the service of pensioners and wish NFRP all the success in their mission in the coming years.
Ladies & Gentlemen,
Ours is socialistic state and as such   gap between have not’s & haves should go on reducing progressively. But here we are in the reverse gear, the gap between have not & haves is increasing progressively. Speaking about pensioners, Pay Commission after Pay Commission has shredded this basic fiber of a socialistic State. After every pay commission the gap between poorer & richer pensioners has increased either due to the recommendations of pay commissions or by the Govt. action thereafter. Abondoning Vth CPC modified parity principle, introducing pay bands for some &Pay Scale for some has instead of reducing, introduced more disparities. Through modified parity our fate is tied up with working employees any disparity in or irrationale    fixation of minimum of Pay Band /Pay Scale or Pay in Pay Band directly affects pensioners’ community
If you analyze you will find the minimum of PBI i.e. Rs 5200 has been fixed by multiplying the minimum of pre revised 5th CPC S4 of Rs2750 by 1.86 similarly Minimum of PB2 i.e 9300/ has been fixed by multiplying minimum of VCPC Scale 5000-8000 by 1.86 i.e. 5000x1.86=9300. Further the minimum of PB4  37400/ is a multiplication of minimum Rs14300 of pre revised S24 14300-18300  by 2.61 instead of 1.86.STake the case of  pre revised Scale 31 whose last minimum was Rs 22400 in the scale 22400-26000  but got  revised minimum as Rs75500 HAG+ Scale i.e. a jump of more than 3.37 times over the pre-revised minimum which resulted in minimum guaranteed revised pension for pre 2006 retirees of S31 also going up to Rs 37750/ that is over 3.37times rise in pre revised minimum guaranteed pension. Whereas, all others in pre revised Scales S4 to S23 got a raise much less than this, in their minimum pension. The adoption of different &higher multiplication factor w/o any rationale or logic for PB4 & above to arrive at minimum of pay in pay band/pay scales is a clear disparity.  Not only this. Govt; will now bear expenses of Bureaucrats, ex Bureaucrats and their dependent family members’ f0r medical treatment abroad &also the air fare-As if other employees/ex employees & their dependents are not human beings.
We want this British days’ special treatment for Bureaucrats to end immediately.
During our productive years accepting lower salaries, foregoing matching contribution by the employer to our PF plus the interest on it, we worked hard for decades & gave productive years of our lives for the development of this country. Now we rightly expect fare deal from ex employer (i.e the GOI) in our sunset years.
In- fact, so far every CPC has done partiality between Direct & Departmental cadre creating a deep divide & discontentment.  But enough is enough. Let us now take a pledge, not to let it happen anymore.
We want uniformly equal percentage rise over minimum of pre revised Scales in arriving at minimum of all Pay Bands/Pay Scales , a common multiplication factor  for revision of Pension of all pensioners so that everyone  irrespective of pre-retirement status  gets equal percentage rise in minimum guaranteed Pension as well as in  normal consolidation  to arrive at revised  pension. And also cashless, super specialty Medical facilities,  at par with IAS, for all pensioners.
Ladies & gentlemen, ‘We cannot predict the future but we can definitely build it’
 With the announcement of constitution of 7th CPC, mobilization to build sufficient pressure has become very essential to ensure that this time no injustice is done to exiting pensioners and that all pensioners irrespective of pre retirement status get equal % rise in Pension. Remember unless we show our strength &determination we will suffer again.
Ladies & gentlemen, there is un-bridled inflation in the country’s economy for the past several years.  Prices of essential commodities have been sky-rocketing.  It is becoming increasingly difficult for the pensioners to make their both ends meet within their meager pensions.  Pensions and family pension’s revised w.e.f., 1.1.2006, as per VI CPC’s recommendations have become irrelevant with steep erosion in their real values due to continuous inflationary spiral. Dearness relief paid is not adequate  only 90% as against over 180% of actual inflation is granted as DR.  The government has not taken necessary steps to protect the pensioners against unprecedented rise in cost of living & health care.
After a tough struggle by both employees & the Pensioners VII CPC has been announced but without declaring suitable interim relief. The government has also been stonewalling many of our genuine demands such as full parity between pre & post 2006 pensioners, enhancement of fixed medical allowance to Rs 2000/, restoration of commuted pension after 12 years, age related–additional pension from 65 years of age onwards etc. . Health care,  at par with IAS, immediate implementation of Smart cards for cashless medical aid to Rly Pensioners all over the country , companion in the same class without any additional payment , Time bound system of grievance redress with punitive clause & monitoring at every stage , up-gradation of SCOVA to JCM level.
 The rate of pension & family pension remains static since long & needs upward revision to 60% &40 % respectively.  The ex-gratia rates for CPF, SRPF retirees &Pension of EPS 95 retirees and their families remain very low and need upward revision . 12% interim relief  for all pensioners need to  declared immediately.We demand that 7th CPC Ist review and setright the disparities &inequalities created by 6th CPC & the  Govt. thereafter.
Ladies & Gentlemen, Next few years are going to be of struggle  for pensioners   and as  the struggle is not going to be easy, organizations will have to determine whether co-operation is a better model or conflict is. We will need mass support, favorable public opinion and media’s backing. In this age of Globalization going alone does not help. That is why we do not talk about only 12lakhs of Rly pensioners or 22.5 lacs defense pensioners or 8 lacs of CG pensioners. As  issues & problems  are same we talk about 1,3900000 pensioners  who constitute over 17% of  intelligent voters among 12 crores of Sr Citizens of the country,  who in turn have almost 20% of actual vote share in Indian elections. The contingent of 13900000 pensioners if work as opinion former can very easily mould two more voters to their view point & thus pensioners are capable of turning the tides.
When ‘I’ is replaced by we even ‘illness’ becomes wellness!
Keeping together is progress but working together is success that is why BPS , AIFPA, NFRP & AICCPA have come together to struggle jointly & severally for our main demands as enumerated
To make Govt. & the 7th Central pay commission understand that no injustice &discrimination will be tolerated and to press our demands. It is proposed to launch a country vide joint movement to organize Rallies & Dharnas.
To make these rallies & dharnas a success I call upon all my pensioners’ brothers &sisters,  “Defeating your age disease &disabilities come out of your houses to join the struggle for your rights”
Bharat Pensioners Samaj is holding its 58th Annual Conference on 17.11.2013 at  Keyes High School, Secunderabad .
Friends, this conference will be taking place at a very crucial juncture in the history of pensioners’ movement, in the country.  It acquires added significance in view of announcement of 7th CPC &the general elections being around the corner. 
This Conference will not only deal with all the above mentioned and other issues but will also endeavor to bring together more & more pensioners’ organizations in the country to launch a country wide joint movement for the achievement of our just demands and to ensure that no injustice is done to existing pensioners  by the 7th CPC.
I therefore, appeal to one and all to rise to the occasion and extend full and unstinted co-operation and support to make 58th conference of BPS a great success by way of your physical participation. ---- Jai hind---Pensioners unity –jiandabad,jindabad.
S.C.Maheshwari                         
Secy. Genl. BPS.


  



28.09.2013-Clarion Call of Secy General BPS to Pensioners' & family Pensioners' from Palghat (Kerala) “Defeating your age disease &disabilities come out of your houses to join the struggle for your rights”

Let the Govt. & the 7thCentral Pay commission understand that no injustice to existing pensioners will be tolerated this  time. Nothing less than full parity between pre &  post retirees will acceptable

Thursday, September 26, 2013


   Media hype about 
pay panel
UPA government advances constitution of 7th pay commission by two years with an eye on votes — but at what cost?
Reality
If anyone gets the benefit out of pay panels, these are the Bureaucrats’- joint Secretary and above, whose Salaries, Perks & Pensions get 3times or more hike & in whose case pre & post retirees become at par
No one will feel the pinch just Stop British days’ special treatment to Bureaucrats’ and stop SCAMS

Read
 Montek Singh Ahluwalia & Ajay Makhan the then Union Minister
&
then the  Media reports
Statement  of  Montek Singh  Ahluwalia Deputy Chairman Plan  panel  reported  by PTI
Pay hike not to hit finances
Plan panel sees no crucial impact of govt. staff salary rise
New  Delhi  27. 02.. 2008 –P   T  I
THE PLANNING Commis­sion does not foresee any sig­nificant disruption of state crease in salaries of state government employees.
"I don't think that this dis­ruption is going to be all that crucial," Planning Com­mission Deputy Chairman Montek Singh Ahluwalia said on the possible impact of the adoption of the Sixth Pay Commission award by state governments.
The Pay Commission, con­stituted by the central gov­ernment, is expected to sub­mit its report by early April and state governments would be under pressure to revise the salary of state em­ployees, once that happens.
Pointing out that blind adoption of the Pay Commis­sion's award by state government was not a good idea, Ahluwalia said Pay Commis­sions were constituted once in 10 years and the states can do many things to neutralise the impact.
The government, he said, was made to effect a big in­crease in salaries of its em­ployees at the end of 10 years as the dearness allowance (DA) does not adequately take care of inflation.
"So at the end of 10 years, the government will be benefiting from a squeeze in real pay because the DA was nev­er enough...So you have a big increase," he added.
The Railway Budget has made an ad hoc provision of Rs 5,000 crore for 2008-09 to meet the additional liability towards employees and pensioners in anticipation of the Pay Commission's recommendations.
PTI
  MAKEN BACKS DEMAND FOR 7th PAY PANEL

17 Mar 2013
·                     Hindustan Times (Delhi)
·                     Aloke Tikku atikku@hindustantimes.com

MAKEN BACKS DEMAND FOR 7th PAY PANEL
In a move aimed at putting the demand for the 7th Pay Commission on the government’s drawing board, Union minister Ajay Maken has asked Prime Minister Manmohan Singh to set it up this year to neutralise the effect of soaring inflation.
His demand this week is the first voice in support of the panel from within Singh’s cabinet.
“Erosion of real wages owing to the degree of inflation... is hurting employees,” he wrote in a letter accessed by HT. Retail prices rose 160% during 20062011 but dearness allowance went up only 51%.
Besides, Maken argued, it was time to rework the principles on which public sector wages were fixed in order to attract and retain talent. He said it was no longer enough to pay employees to simply meet minimum needs.
The finance ministry, struggling to bring fiscal deficit under control, has rejected demands from government employees to set up the panel — generally appointed in the third year of every decade.

UPA bites pay panel bullet for vote gains
By Mail Today Bureau in New Delhi
THE poll sop opera continues unabated as the ruling UPA dispensation widens the ambit of its vote bank for the 2014 elections. Prime Minister Manmohan Singh on Wednesday approved the constitution of the 7th Central Pay Commission, which will benefit as many as 80 lakh central government employees and pensioners, with an eye on votes in a crucial election year.
“ Prime Minister Manmohan Singh approved the constitution of the 7th pay commission. Its recommendations are likely to be implemented with effect from January 1, 2016,” Finance Minister P. Chidambaram said on Wednesday.
The 6th pay commission was constituted in 2006 and in the normal course, the government is expected to announce the next pay commission after a gap of 10 years. The fifth came in 1996.
But with the UPA government’s image battered by a spate of corruption scandals, the date has been advanced by two years in order to recover some lost ground with the electorate. The decision comes close on the heels of the hike in dearness allowance, to 90 per cent, for government staff announced on Friday.
The fact that the state governments also follow the Centre in hiking their employees’ pay means the announcement impacts many more people beyond the 50 lakh employees and 30 lakh pensioners of the central government.
The government justified the early constitution of the commission on the ground that it will take around two years to submit its recommendations.
The 6th pay commission, for example, was constituted in October 2006 and the Centre implemented it ahead of the 2009 Lok Sabha elections, showering central government employees with a big pay hike bonanza.
The 6th pay commission had recommended a 20 to 40 per cent jump in salary. This cheered the employees, but wreaked havoc with the government’s finances as the fiscal deficit soared to 6 per cent of the gross domestic product ( GDP).
The consequent burden of arrears on the central government was ` 28,160 crore on a salary base of ` 44,360 crore.
Throw in another ` 73,000 crore, forked out by the Indian Railways as arrears and to its vast swathe of pensioners, and you have a deadly burden on the exchequer.
The cash- strapped government had disbursed the arrears in two installments with 40 per cent given out in 2008- 09 and 60 per cent in 2009- 10. The arrears contributed significantly to the Centre overshooting its target in 2008- 09, ending the year with a fiscal deficit of 6 per cent of GDP against the budgeted 2.5 per cent.
The fiscal deficit rose to 6.4 per cent of GDP in 2009- 10 as pay commission arrears pushed up the expenditure at a time when the government was battling slowdown in revenues.
With the 7th pay commission, the situation is headed in the same direction and the country will eventually have to face the music of this populism.
The setting up of the commission, whose recommendations will also benefit those in defence and railways comes ahead of the Assembly elections in five states in November and the general elections in May 2014.
Planning Commission member Arun Maira was quite candid on the issue, terming the constitution of the 7th pay commission as “ an election force”. “ It is an interesting situation since it is election time,” he said when asked about the timing of the decision, “ You need to get elected otherwise you cannot do what you want to do.” The names of the chairperson and members of the newly constituted commission and its terms of reference will be finalised shortly after consultation with major stakeholders.
UPA government advances constitution of 7th pay commission by two years with an eye on votes — but at what cost?

-- 
Er.S.C.Maheshwari
Former DEN C.Rly.
Secy. Genl. BHARAT PENSIONERS SAMAJ

Wednesday, September 25, 2013

Govt announces seventh Pay Commission for central employees

  • Govt announces seventh Pay Commission for central employees

  • [ - ] Text [ + ]
12:27 HRS IST
New Delhi, Sep 25 (PTI) Ahead of elections, the government today announced constitution of the Seventh Pay Commission, which will go into the salaries, allowances and pensions of about 80 lakh of its employees andpensioners.

"Prime Minister Manmohan Singh approved the constitution of the 7th Pay Commission. Its recommendations are likely to be implemented with effect from January 1, 2016", Finance Minister P Chidambaram said in a statement

Tuesday, September 24, 2013

Let's All Remember the Miseries of EPF '95 Pensioners

From D.N.Chapke Secy. Genl. AISCCON


Dear friends,

This is our eighth sharing with you all on the challenges faced by the senior citizens in India. Today, we focus on the measley pension being given by the employers to those eligible for
Employees Pension Scheme '95. Shri Maheshwari representing our sister organization - Bharat Pensioners Samaj - has accepted our invitation to elaborate on the crisis; please remember that he along with Shri Shyam Sundar (who I am told is not keeping well and our heart goes out to him wishing him a speedy recovery so that he continues to share his specialization along with Shri Maheshwari on this vital segment of our fairly large society!) are two of the best brains on the subject:


EPS95 i.e. Employees Pension Scheme 95:

You may be stunned to know that there are pensioners in this country who get as little a pension as Rs4/- per  month. Nearly 18.7 lakh EPS95 pensioners in this country get less than Rs 500 per month & as low as Rs4/ per month, while about 15 lakyh of these pensioners get pension ranging between Rs 500 and Rs 1,000. Only about 7.3 lakh of these pensioners get a pension of more than Rs 1,000. These are the workers who toiled in 186 industries during the entire productive years of their lives for development of this country and who have been ditched by the employers & the Govt. during their sunset years.

These pensioners before retirement held RESPECTABLE POSITIONS in society as BREAD WINNERS of the family.Their EARNINGS were sufficient enough to maintain a STANDARD OF LIVING according to their status.
Suddenly on retirement they became PAUPERS with pension per month ranging between Rs. 4 to 2000/

What is the concept of Pension & how much minimum it should be?
* Pension weather contributory or non contributory is a Social security tool  to ensure that  pensioner would be able to live free from want, with decency, independence, dignity and self respect at a standard equivalent to the pre-retirement level.Study after study has revealed that pay scales of pensionable employees are by design kept on lower side. A pensionable employee contributes for the social security by

1.Accepting lower Salaries
2.Giving entire productive years of his life for the development of the country
3.By foregoing matching contribution to his PF by the employer and the annual interest thereon. The apex court has time & again ruled that Pension is not a largesse but a deferred wage which the ex employee earned by the sweat of his/her brow during productive years.

* The amount of Pension should be linked with sustainability & the right to live with dignity. In case of EPS 95 pensioners the pension amount is not only illogically low, it has remained stagnant all these years and there is no provision for adjustment with increase in cost of living &health care.

HOW DOES EPS 95 WORK?
As per the EPS, 1995, the employer needs to contribute 8.33% of the salary of the worker. But usually the employer contributes only up to Rs 541 per month, 8.33% of Rs 6,500, irrespective of your salary, to your EPS account. That is because according to EPS 1995, the maximum pensionable salary is restricted to Rs 6,500/, Govt. contributes 1.16% of employee’s salary which is subjected to the maximum of Rs 6500 for this purpose. Thus Govt contributes only up to Rs75/per month.

WHEN DOES EPS DELIVER?
You are entitled to pension under EPS when you turn 58 years' of age and after 10 years of continuous service. Since EPS is a defined pension product, the amount of pension you get depends upon a fixed formula, which is average monthly salary of the last year of service multiplied by the number of years of service divided by 70.

What is Pensioners Contribution v/s gain?
Contributions!
• Accepting lower salaries, worked hard during productive years towards development of the Nation
• Made to forego a provident fund amount equal to 8.33% of wages & annual interest on it for years in the name contribution to pension corpus

. GAIN??

• Pension that is humiliating to announce
• No protection from inflation
• No Medical care

 Government stand on the subject: 
• The scheme is making losses

Bharat Pensioners Samaj' investigations show that govt’s stand is incorrect
• The fund is increasing,
• The incomes are increasing.
• The investments are increasing.
• The benefits are NOT. These are being reduced.

GOVERNMENT IS STARVING THE FUND
• Not paying interest at par with provident fund
• A ceiling on salary at 6500/,, results into less contribution to pension fund
• This gives concession to employers (an amount of 8.33% of salary employers up to 6500/ PF contribution is diverted to Pension Corpus)
• Also gives concession to government (contribution 1,16% of salary upto 6500/)
• Workers up to 20 in private and 50 in cooperative exempted from scheme

EMPLOYERS ARE STARVING THE FUND
• Less salary, more perks
• Keep members unregistered by avoiding names in Muster rolls to get exemptions
• Unregistered contracting out sourcing of regular work to get exempted.

Bharat Pensioners Samaj finds that still the Scheme is not going in Loss
• The Pension corpus is increasing
• The provident fund interest has been around 9% in last few years
• The senior citizens are being paid 10.5% on their deposits
• If we study statistical information as available from the PROVIDENT FUND AUTHORITY BPS find RS 3000/

Are they spending more than earnings? NO!
• NO. They are not

• Year 2012: Corpus 1,62,980.04 Crores, Interest earned 13,315,79 crores, Pensioners 40,00,000
• Amount available per pensioner per month Rs 2774/
• Pensioners paid pension between 4 to 1900 {28 lakh got less than 1000)
• Not a single person got 2774/

BY REMOVAL OF SALARY LIMIT OF RS 6500/ & WITH EQUAL CONTRIBUTION of 8.33%FROM MANAGEMENT & THE GOVT. Situation can further improve.

Keeping in mind that Pension is not a largesse but a deferred wage & that amount of pension should be such as to enable the beneficiary to live upto the standard of living he had been used to during his/her service life

BHARAT PENSIONERS SAMAJ DEMANDS:

• Minimum pension of Rs 3500/ per month or equal to minimum Pension of C.G. Pensioners whichever is more. Plus Dearness Relief thereon equal to C.G pensioners with NO limit to maximum pension for all existing & future pensioners.
• Pay dearness allowance At Central Govt. Rates
* Provide medical facilities sinceRight to health and medical care is a fundamental right of ex employee as envisaged by Supreme Court in their Judgment dated 27/01/1995 in the case CONSUMER EDUCATION & RESEARCH CENTRE AND OTHERS. Vs. UNION OF INDIA & OTHERS,

S.C.Maheshwari
Secy. General
Bharat Pensioners Samaj

Dear Friends,
We could not accommodate a Table illustrating the situation further on account of  its technical intricacies. The main point is that this segment of senior citizens has a legitimate claim  to be treated with dignity through payment of life-sustaining and human dignity pension. It is their RIGHT and the Employers and the Government cannot act like mute spectators while they suffer. We understand that the Bharat Pensioners Samaj has taken up the matter at the highest level in the Government throough meetings with the concerned Minister. WE THE SENIOR CITIZENS OF INDIA EXPRESS OUR SOLIDARITY WITH OUR BRETHEREN RECEIVING GROSSLY INADEQUATE  PENSION AND DEMAND THAT THEY BE PAID THEIR LEGITIMATE CLAIM. THE GOVERNMENT MUST GRANT THEM THE RIGHT TO LIFE WITH DIGNITY!

YOUR TEAM CONTESTING THE AISCCON ELECTIONS:

D.N. Chapke, (M) 09820021224 (For President) ; 
 B.B. Dixit, (M) 09451937991; Daljit Singh Grewal,(M) 09855153203; Dr. Sugan Bhatia ,(M) 09811225103;
 Krupasindhu Sahu,(M) 09437001251; Narayan N. Ingle,(M) 09822717199;  PrabhakarS. Kulkarni,(M) 09845257990) ; 
Haneefa Rawther, (M) 09446362105;  and  D. Rajasekaran (M) 009444368077( For VicePresidents) ;
Anil P. Kaskhedikar,(M) 09969128678 (For Secretary General)  and

Om Prakash Hingar, (M) 09829046901 (For Organizing Secretary)



SECRETARY GENERAL AND SECRETARY (RLYS), AIFPA, CHENNAI-15 DISCUSSED RAILWAY PENSIONERS PROBLEMS AT RAILWAY BOARD ON 18/09/2013


1. Representatives of AIFPA, Chennai met Dr.Pande ED Medical (Planning and requested him to initiate action to amend the definition of ‘family’ in the Railway Manual to include the widowed/Divorced/unmarried daughters and handicapped son/daughter of a Railway Pension.  He has agreed to examine the issue as some Railways refuses to issue smart card and other benefits in the absence specific inclusion of them in the Definition of ‘Family ‘ in the Railway Manual.
2. The fact of stoppage FMA enjoyed by the Railway Pensioners who are affected by Chronic illness by the Banks based on the “Audit Objections” was discussed. The Audit insisted the medical certificate by a Railway Doctor to facilitate the payment of FMA to the chronically  ill Railway Pensioner.  The General Secretary also stated that in his meeting with the CMD, S.Rly. Chennai, he had raised the issue and CMD insisted for specific direction from the Railway Board for issuance of such certificate.  The General Secretary produced a circular order issued by the NE Railways detailing the issue of Medical Certificate and other instructions.  The ED Medical Planning requested to forward the specific case with a copy the circular instructions referred to for further action at his end.
3.         The representatives of AIFPA Chennai, then pointed out the proposals for issue of ‘Smart Card’ is pending with the Railway Board.  The ED (Medical Planning) has clarified that the orders will be issued shortly as the hospitals for inpatient treatment and chemist for supply of drugs are getting finalized. The orders when issued will benefit all the ‘Budgeted Railway Dispensaries/Hospitals” in all the cities including Chennai under the Southern Railway orders may be awaited.
            The representatives also discussed the difficulties experience by the Pensioners during specialist consultations in the Railway Hospital, Perambur in the absence of “separate” arrangement for consultation for senior citizen and the inordinate delay in the process of specialist consultation and the receipt of Medicine from the Pharmacy.  He has promised to discuss the matter with CMD Southern Railway, once the vacancy is filled up.
II.         The representatives of AIFPA, Chennai -15 have met  Shri Sanjay Lavanya, ED( Finance & Estt) and presented two letters demanding discussions on  items submitted for inclusion in the Agenda for discussions in the 22nd and 23rd SCOVA Meetings.  He has directed Shri B.K.Nanda SO/EE III to furnish detailed replies on the items listed. He has assured to take up the problems faced by RPF pensioners with concerned authorities.  Regarding the Family Pensioners problems at ICF, Chennai, he requested the representatives to contact Shri P.V.Vaidyalingam, Advisor (Accounts) regarding the lack of Co-operation from CPO/Southern Railway, he directed the representatives to meet Smt.Yachuri ED(IR).
III. Shri P.V.Vaidyalingam, Advisor (Accounts) has intimated that Railway Board is contemplating a “Portal” for Railway Pensioners and Pensioners may get the Railway Orders and their Pension data from the Portal Shortly.  He requested the representative to meet Smt.Bhuvaneswari, FA & CAO(ICF) for family Pension pendency at ICF and to meet Smt.Hema sunitha, Deputy CAO(G), Southern Railway regarding the issue of duplicate copy of revised PPO’s. by Southern Railway.

IV.  Smt.Yachuri ED(IR) requested the representatives to meet Shri P.P Sharma ED(Genl) (Room No.531)as she was in a Meeting.  Shri Sharma requested the representatives for a letter addressed to Railway Board regarding the difficulties in getting accommodation to Pensioners Associations and the non-intimation of ‘Adalat’ Meeting to the Federation (SCOVA) Member )by some Divisional Railway Authorities in Southern Railway. 

Let's All share the Miseries of EPS '95 Pensioners

EPS95 i.e. Employees Pension Scheme 95: 
You may be stunned to know that there are pensioners in this country who get as little a pension as Rs4/- per month . 18.7 lakh EPS95 pensioners in this country get less than Rs 500 per month & as low as Rs4/ per month, while about 15 laky of these pensioners get pension ranging between Rs 500 and Rs 1,000. Only about 7.3 lakh of these pensioners get a pension of more than Rs 1,000. These are the workers who toiled in 186 industries during the entire productive years of their lives for development of this country and who have been ditched by the employers & the Govt. during their sunset years. 

These pensioners before retirement held RESPECTABLE POSITIONS in society as BREAD WINNERS of the family..Their EARNINGS were sufficient enough to maintain a STANDARD OF LIVING according to their status. 
Suddenly on retirement they became PAUPERS with pension per month ranging between Rs. 4 to 2000/ 

What is the concept of Pension & how much minimum it should be? 
* Pension weather contributory or non contributory is a Social security tool to ensure that pensioner would be able to live free from want, with decency, independence, dignity and self respect at a standard equivalent to the pre-retirement level.Study after study has revealed that pay scales of pensionable employees are by design kept on lower side.A pensionable employee contributes for the social security by 
 
1.Accepting lower Salaries 
2.Giving entire productive years of his life the development of the country 
3.By foregoing matching contribution to his PF by the employer and the annual interest thereon. The apex court has time & again ruled that Pension is not a largesse but a deferred wage which the ex employee earned by the sweat of his/her brow during productive years. 

* The amount of Pension should be linked with sustainability & the right to live with dignity. In case of EPS 95 pensioners the pension amount is not only illogically low, it has remained stagnant all these years and there is no provision for adjustment with increase in cost of living &health care. 

HOW DOES EPS 95 WORK?
 As per the EPS, 1995, the employer needs to contribute 8.33% of the salary of the worker. But usually the employer contributes only up to Rs 541 per month, 8.33% of Rs 6,500, irrespective of your salary, to your EPS account. That is because according to EPS 1995, the maximum pensionable salary is restricted to Rs 6,500/, Govt. contributes 1.16% of employee’s salary which is subjected to the maximum of Rs 6500 for this purpose.Thus Govt contributes only up to Rs75/per month.

WHEN DOES EPS DELIVER?
You are entitled to pension under EPS when you turn 58 years' of age and after 10 years of continuous service. Since EPS is a defined pension product, the amount of pension you get depends upon a fixed formula, which is average monthly salary of the last year of service multiplied by the number of years of service divided by 70. 

What is Pensioners Contribution v/s gain? 
Contributions!
• Accepting lower salaries, worked hard during productive years towards development of the Nation
• Made to forego a provident fund amount equal to 8.33% of wages & annual interest on it for years in the name contribution to pension corpus

. GAIN??
• Pension that is humiliating to announce
• No protection from inflation
• No Medical care

 Government stand on the subject: 
• The scheme is making losses

Bharat Pensioners Samaj' investigations show that govt’s stand is incorrect 
• The fund is increasing,
• The incomes are increasing.
• The investments are increasing.
• The benefits are NOT. These are being reduced. 

GOVERNMENT IS STARVING THE FUND 
• Not paying interest at par with provident fund 
• A ceiling on salary at 6500/,, results into less contribution to pension fund
• This gives concession to employers (an amount of 8.33% of salary employers up to 6500/ PF contribution is diverted to Pension Corpus)
• Also gives concession to government (contribution 1,16% of salary upto 6500/)
• Workers up to 20 in private and 50 in cooperative exempted from scheme

EMPLOYERS ARE STARVING THE FUND 
• Less salary, more perks
• Keep members unregistered by avoiding names in Muster rolls to get exemptions
• Unregistered contracting out sourcing of regular work to get exempted.

Bharat Pensioners Samaj finds that still the Scheme is not going in Loss 
• The Pension corpus is increasing
• The provident fund interest has been around 9% in last few years
• The senior citizens are being paid 10.5% on their deposits
•   If we study statistical information as available from the PROVIDENT FUND AUTHORITY BPS find RS 3000/ PENSION IS EASILY POSSIBLE WITH EXISTING RESOURCES.

YEAR

PENSION

PENSIONERS

INTERST

INTERST

INTERST



CORPUS



AVAILABLE

AVAILABLE

AVAILBALE







PER

PER

PER







PENSIONER @

PENSIONER

PENSIONER @







9%

@ 10%

10,5% (senior











citizens)

2006-07

81606,22

2653181

2306.84

2563.16

2691.31

2007-08

94101.42

2952622

2390.28

2655.87

2788.67

2008-09

108578.3

3246131

2508.64

2787.38

2926.75

2009-10

123790.4

3510006

2645.09

2938.99

3085.94

2010-11

142760.9

3600089

2974.1 1

3304,57

3469.80

2011-12

162980

4000000

3055.88

3395.42

3565.19


 
Are they spending more than earnings? NO! 
• NO. They are not

• Year 2012: Corpus 1,62,980.04 Crores, Interest earned 13,315,79 crores, Pensioners 40,00,000
• Amount available per pensioner per month Rs 2774/
• Pensioners paid pension between 4 to 1900 {28 lakh got less than 1000)
• Not a single person got 2774/ 

BY REMOVAL OF SALARY LIMIT OF RS 6500/ & WITH EQUAL CONTRIBUTION of 8.33%FROM MANAGEMENT & THE GOVT. Situation can further improve. 

Keeping in mind that Pension is not a largesse but a deferred wage & that amount of pension should be such as to enable the beneficiary to live upto the standard of living he had been used to during his/her service life 

BHARAT PENSIONERS SAMAJ DEMANDS: 
 
• Minimum pension of Rs 3500/ per month or equal to minimum Pension of C.G. Pensioners whichever is more. Plus Dearness Relief thereon equal to C.G pensioners with NO limit to maximum pension for all existing & future pensioners. 
• Pay dearness allowance At Central Govt. Rates 
* Provide medical facilities sinceRight to health and medical care is a fundamental right of ex employee as envisaged by Supreme Court in their Judgment dated 27/01/1995 in the case CONSUMER EDUCATION & RESEARCH CENTRE AND OTHERS. Vs. UNION OF INDIA & OTHERS, 

S.C.Maheshwari 
Secy. General 
Bharat Pensioners Samaj