Saturday, January 3, 2015

Pensioners' Digest-01.01.015 Monthly publication of KCGPA an affiliate of BPS

The Year Past in Retrospect
          Majority-powered new Government took the reins at the Centre after the General elections, under the leadership of BJP scion Shri Narendra Modi. The new Prime Minister visited more foreign countries, than any other prime minister, in a short period of six months; and received the acclaim of these foreign statesmen and the Indians abroad. New plans, new schemes and new slogans rent the political air in the country, since then (May 2014). The advantages to the ‘aam admi’ (common man) are yet not clearly visible. Coming home to the pensioners’ lot, the 7th Central Pay Commission in position visited more places and heard views from more associations. They are still on visits to different 
places. They are to formulate their report and submit it to the Government within the end of this year. While at Bangalore (Aug 24), the Commission assured to ensure ‘parity’ from January 2016; to look into the problems of BSNL pensioners; and to consider the demand of the pensioners from statutory/autonomous bodies to have the CGHS facility. The pensioners have yearned for the grant of Interim Relief and the Merger of 50% of DA/DR with pay/pension; but either the Commission or the Government have not shown any inclination whatsoever in considering this immediate requirement – nay, demand. The new Finance minister is to present the Union Budget in February 2015; and things do not appear to be silverine herein too. In regard to extension of ‘modified parity’, either the Apex Court or the CAT did not show any favourable climate so far in favour of the helpless pensioners, in the light of the fact that not all pensioners can go to court and hang on for years and years. All in all, the pensioners remain high and dry, as ever. After all, as late Justice Chandrachud proclaimed in 1982: ‘Pension is not alms; it is deferred wage for those who toiled hard in the prime of their life, so that they have some money in the evening of their lives to help their dear families and the surrounding civil society’. The Caravan moves on – from 2014 to 2015.
One Rank, One Pension
          The slogan on this principle has been heard off and on. The Government somehow is not able to come to terms on issuing the necessary notification. It is recently stated that this would be done in the next 6 to 8 weeks. We quote below a newsitem lifted from the Central Govt Employees News-site (d/ Dec 21, 2014):
(Quote)                       Much to the relief of nearly 25 lakh ex-servicemen, including 12 lakh soldiers who are protecting this sovereign nation, the final decision on the One Rank One Pension demand will be announced in a month or two.
According to reliable sources of information, Defence Minister Manohar Parikkar has given the assurance and that steps in this regard have already been taken. The fact that the Ministry is working overtime to enforce this scheme has brought cheers to serving armymen all over the country. They can rest assured that the scheme, which was being talked about for a number of years, will finally be implemented this time.
The Sixth Pay Commission had recommended fitment formula and modified parity for past pensioners, in order to reduce the gaps, which were accepted by the Government. For example, a Sepoy, who retired prior to 1996, gets 82% lower pension than a Sepoy who retires after 2006. Similarly, among officers, a pre-1996 Major gets 53% lower pension than his post-2006 counterpart”. OROP means that every pension-eligible soldier who retires in a particular rank deserves the same pension, irrespective of date of retirement. Currently, soldiers who left the armed forces more recently receive more than those who did earlier, because successive pay commissions hiked salaries.
During his Parliamentary speech, the then Finance Minister Pranabh Mukherjee announced that the scheme would be implemented in July 2009. It was announced that the Government was going to implement the recommendations made by the high level committee led by KM Chandraskehar. The scheme was discussed a number of times, but was never implemented.
With an allocation of Rs. 1000 Crores, while there is pressure to implement the scheme, the government also has to keep in mind the lakhs of former servicemen.
The new Government’s stand in this issue will become clear in another few months.  (Unquote)
            News feature from ‘The Times of India’ d/ Dec 14, 2014:                Naklin Mehta of the Times group came up with a write-up in four columns on the OROP issue. It said ‘Military veterans claim babus are thwarting PM Modi’s poll pledge of one-rank one-pension by inflating its cost estimates. It also gives graphic description of the money involved and the assurances given over the past years on the subject. (In view of the news supra, the press item could be glossed over.) (The news clipping was handed over by former Treasurer Shri DMR Panthalu.)
A soldierly historic Judgement by the Supreme Court
          Captioned ‘SC censures Centre over Pension for Ex-Armymen’, ‘Deccan Herald’ (Bangalore, Dec 14, 2014) put out the following soldierly judgement:
(Quote)                       The Supreme Court has asked the Centre to show large-heartedness in granting “modest” increase in Disability pension for Ex-servicemen.
A three-judge bench presided over by Chief Justice of India H L Dattu dismissed the Union Govt’s plea against an order of the Armed Forces Tribunal (AFT), extending the benefits of an extra amount in their pension on account of disability due to service conditions.
“ They are in the line of fire. They sacrifice their life for you and us. This is the least you could do for them”, the Bench stated while coming to the rescue of 15,000 soldiers.
The Court expressed its displeasure over the Government’s denying the benefit to the soldiers on the ground that it would burden the Exchequer with an additional Rs 1,500 crores.
The Bench, also comprising Justice Madan B. Lokur and A. K. Sikri said, “The Govt. can have at least this much budget for its soldiers who are dying for the people of this country every day. What is the point in having these memorials and placards saluting our defence personnel if you litigate against the disabled soldiers till the Supreme Court ? You should pay them”.
Following the Bench’s nudge, the Govt’s law officer preferred not to argue and expressed readiness to comply with the Tribunal’s order. The bench disposed of around 880 appeals against the AFT order on this issue.                                                                         (Unquote)
(PS:                The news item has been sent by Vice-Prdt Shri S S Kargudri. The feature has received the appreciation of many members, including retired Prof of IIT-Delhi Sh A L Agarwal, PAN IIT-D Retired Faculty Assn, Tel: 011-45561489.)
            Bankmen strike:     The Bankmen are agitating for 23% increase in wages etc. They were recently on strike on different dates in different zones. The Indian Banks Assn in a Note d/29th December 2014 stated that the effective date of implementation and ‘the merger of DA’ have been clinched. The merger issue is to be noted by the Govt and the staff/pensioners.

Govt reportedly denies IR as well as Merger of 50% DA
            Reports have indicated that the Government is not inclined to concede the demands for Grant of Interim Relief as well as the Merger of 50% of DA/DR with pay/pension. The Pay Commission on its part has stood firm that the Government should make a specific reference to them. The Staff side of the National Council of Joint Consultative machinery (JCM) has written in strong terms to the Cabinet Secretary, who is the Chairman of the JCM, requesting him to convene a meeting of the JCM soon, as it has become nearly defunct. He has stated that the issues of Interim Relief and Merger are imminent; and that the Government should avoid serious unrest in the Government services and disturbance to industrial peace.
Case before the CAT New Delhi
          The case before the CAT-PB New Delhi on December 17 has been adjourned to January 13, 2015.
            Meantime, a section of the pensioners has decided to approach the CAT, to get them the arrears for the period 1.1.2006 to 23.9.2012, on par with the petitioners of the S-29 Grade Pensioners Assn. It may be recalled that after the Judgement of the CAT on May 15, 2014, the Govt held that the arrears would be paid only to the ‘petitioners’ of that Assn. Thereupon, Miscellaneous Applications have been filed before the CAT in December 2014, and more pensioners are likely to follow suit. The Advocate, who has taken up this legal battle, has clarified that he would take up the cases of only those pensioners, who have received some arrears with effect from 24th Sept 2012. One such case filed by him has been adjourned to February 2, 2015. Eight members have opted to seek recourse to the CAT from this Association. The Assn had to reject the applications of at least a dozen members, as they have not received arrears from 24.9.2012,  according to the stand of the Advocate. The Advocate or the Assn will not entertain any more application/s.
(Postscript:                We are sorry that the situation before the issue of PD for Dec 2014 indicated to us that all pensioners could file this new petition. Only very late, the Advocate has clarified his position as above. The inconvenience caused to some of the pensioners is regretted. Secondly, any development in the CAT would be intimated through the PD, as and when information is received.)
59th AGB of BPS at Agra
          A 16-member Managing Committee of the BPS was declared elected at the AGB. Shri KB Krishna Rao (ID: krishnaraokb44@gmail.com : Tel 23230545), Secretary of Karnataka P&T PA, and Shri RSN Murthy (ID: rani.murty43@gmail,com : Tel: 9958839936) who was earlier in the BPS office at New Delhi, and now Member of Karnataka CGPA) are, among those, from Bangalore.
Pensioners’ Day
            December 17 is Pensioners’ Day. The Karnataka CGPA observed the Day at its office on Dec 17. Over 30 members were present. They had sweets and snacks. The President and the members recounted the Judgement issued by late Justice Chandrachud on the Day in 1982 in the case between the Union of India v/s (late) D S Nakhra. It was generally felt that this Judgement is of late being diluted by the Government, mainly because the implementation of this Nakhra judgement would tell upon the Govt Exchequer. The occasion was utilised by the members present (30) to write out postcards to the Hon’ble Prime Minister requesting for the grant of Interim Relief and the Merger of 50% of DA/DR with pay/pension.
            The Co-ordination Committee of the KCGPAs observed the Day at Udaya Bhanu Mandir, Gavipura, Bangalore, on Dec 21, and honoured the pensioners’ veteran leaders Shri B Sadashiva Rao, IPS (Rtd), former Chairman of the Co-ordination Committee, also former President of the Karnataka P&T Pensioners Assn, and Shri N Bhaskaran, former General Secretary of the CC and former Secretary of the KP&TPA, for their invaluable services – particularly their efforts in working towards presentation of a Common Memorandum to the 6th and 7th CPCs. The CC presented both of them with shawls and fruits. The opportunity was availed by the Karnataka CGPA to honour the two stalwarts with the presentation of crockery items to each, with both of them expressing a pleasant  surprise. The CC also hosted lunch to the attending affiliates’ members. At the start, Shri L N Bhat, a Kannada literary figure, spoke on late Shri DV Gundappa’s “Manku Thimmana Kagga”, an epic in Kannada.  The Managing Committee of the CC met the same day. CC Secretary Shri Radhakrishna spoke on the uncomfortable attitude of the Government over the question of Interim Relief and the Merger of 50% DA; and added that the Govt Notification on ‘One Rank, One Pension’ could come out in a month or two. Chairman Shri KB Krishna Rao spoke on the ensuing SCOVA meet in January 2015, and the Agenda-Items sent to the Department. Treasurer Shri OM Bhaskaran presented the Accounts position. A Medical check-up camp was also organised by the Sagar Hospitals at the venue the same day, for the benefit of the members.
            The Karnataka P&T Pensioners Assn, Bangalore, came out with large extracts from the Judgement of the Supreme Court (Dec 17, 1982), through ‘Pensioners Champion’ (November 2014) under the title “Pensioners’ Day – A Day to thank the Judiciary”, a very apt title indeed.
Eligibility of widowed/divorced daughters for Family pension
          A few members desired to know the details on the subject. Extract from OM No.1/3/09-P&PW€ d/ 18th Sept 2014, issued by the DoP&PW, Ministry of Personnel & PG, New Delhi, is given below :
(Quote)
Para 2.           Provision for grant of family pension to a widowed/divorced daughter beyond the age of 25 years has been made, vide OM dated 30.08.2004. This provision has been included in Clause (iii) of sub-rule 54(6) of the CCS (Pension) Rules 1972. For settlement of old cases, it was clarified, vide OM dated 28.04.2011, that the family pension may be granted to eligible widowed/divorced daughters with effect from 30.08.2004, in case the death of the Govt servant/pensioner occurred before this date.
Para 3.           It was further clarified vide OM dated 11th September 2013, that, if a daughter became a divorcee/widow during the period when the pension/family pension was payable to her father/mother, such a daughter, on fulfilment of other conditions, shall be entitled to family pension. The clarification was aimed at correctly interpreting the conditions of eligibility of a widowed/divorced daughter in terms of the concept of family pension under the CCS (Pension) Rules 1972. It was also stated that it was only a clarification and the entitlement of widowed/divorced daughter would continue to be determined in terms of OM dated 25th/30th August 2004, read with OM dated 28th April 2011. It implies that the family pension should discontinue in those case where it had been sanctioned in pursuance of these OMs but without taking into consideration that the widowed/divorced daughter was leading a married life at the time of death of her father/mother, whoever died later and was therefore ineligible for family pension. It would be appropriate that in order to maintain equality before law, family pension payable to such daughters is discontinued. However, recovery of the already paid amount of family pension would be extremely harsh on them and should not be resorted to.
Para 4.           This issues with the approval of the Secretary (Pension).           (Unquote)
Special benefits in cases of death and disability in service – Revision
          On the above subject, the Dept of Pensions and Pensioners Welfare, New Delhi has issued OM No.45/3/2008-P&PW d/ 20.11.2014 (signed by Smt Tripti P Ghosh, Director). The OM, though long, is reproduced below:
(Quote)            The undersigned is directed to say that the pension of pensioners/family pensioners who were drawing pension/family pension as on 1.1.2006 under the CCS(EOP) Rules was to be revised in accordance with Department of Pension & Pensioners' Welfare OM NO.38/37/2008-P&P&W(A) dated 1.9.2008. Accordingly,  instructions were issued vide this Department OM of even number dated 30th  September 2010 for extension of benefits of modified parity to past pensioners' for revision of disability pension/family pension covered under CCS(EOP) Rules.

2. Further,orders were issued vide this Department's OM No.38/37/2008-P&PW(A) dated 28th January, 2013 for further stepping up of normal pension/family pension to 50%/30% of the sum of minimum pay in the pay band and grade pay corresponding to the pre-revised pay scales from which the pensioner had retired, as arrived at with reference to the fitment table annexed to the Ministry of Finance, Department of Expenditure OM NO.1/1!2008-IC dated 30th August 2008. The question of extending .this benefit to pre-2006 disability pensioner/family pensioner covered under the Central Civil Services (Extraordinary Pension) Rules has been under the consideration of the Government. It has now been decided that the pension/family pension of pre-2006 disability pensioners/family pensioners covered under CCS(EOP) Rules would be further stepped up as under:-I.
 Family Pension for Categories B & C
Where the deceased Government servant was not holding a pensionable post:        
40% of minimum of Pay in the Pay Band plus Grade Pay (in the case of below HAG scale)! minimum Basic pay in the revised Scale of Pay (in the case of HAG and above) applicable from 1.1.2006 corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1!2008-IC dated 30th August, 2008 subject to a minimum of Rs.4550!—
(b) Where the deceased Government servant was holding a pensionable post:          60% of minimum of Pay in the Pay Band plus Grade Pay (in the case of below HAG scale )/ minimum Basic Pay in the revised Scale of Pay (in case of HAG and above) applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008 subject to a minimum of Rs.7.000/-  In case where the widow dies or remarries, the children shall be paid family pension at the rates mentioned at (a) or (b) above, as applicable, and the  same rate shall also apply to fatherless/motherless children. In both cases, family pension shall be paid to children for the period during which they would have been eligible for family pension under the CCS (Pension) Rules. Dependent parents/brothers/sisters etc. shall be paid family pension one-half the rate applicable to widows/fatherless or motherless children.
II. Family Pension under Categories D & E
Family pension shall be calculated as the minimum of Pay in the Pay Band plus Grade Pay and minimum Basic Pay in the revised Scale of Pay (in case of HAG and above) applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008.
(a) If the Government servant is not survived by his widow but is survived by child/children only, all children together shall be eligible for family pension at the rate of 60% of minimum of Pay in the Pay Band plus Grade Pay and minimum Basic Pay in the revised Scale of Pay( in case of HAG and above) applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008 subject to a minimum of Rs. 7000/-
When the Government servant dies as a bachelor or as a widower without children, dependent pension will be admissible to parent without reference to pecuniary circumstances, at the rate of 75% of minimum of Pay in the Pay Band plus Grade Pay and minimum Basic Pay in the revised scale of pay(in case of HAG and above) applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008, if both parents are alive, and at the rate of 60% if only one of them is alive.
III. Disability Pension for Categories B & C
(a) Disability pension would comprise of a service element equal to 50% of minimum of Pay in the Pay Band plus Grade Pay (in the case of below HAG scale)/minimum Basic Pay in the revised Scale (in case of HAG and above) applicable from 1-1-2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No.1/1/2008-IC dated 30th August, 2008, to be reduced proportionately, if the employee did not have required qualifying service for full pension, plus disability element equal to 30% of the same basic pay, for 100% disability.
(b) For disability less than 100%, disability element shall be reduced proportionately. In cases of disability pension where permanent disability is not less than 60%, the disability pension (i.e. total of service element plus disability element) shall not be less than 60% of the minimum of pay in the Pay Band plus Grade Pay ( below HAG scale) or the minimum basic pay in the revised Scale of pay (in case of HAG and above) corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No.1/1/2008-IC dated so" August, 2008, subject to a minimum of Rs. 7000/- per month.
IV. Disability Pension for Category D
Disability pension would comprise of a service element equal to 50% of minimum of Pay in the Pay Band plus Grade Pay ( in the case of below HAG scale)/minimum Basic Pay in the revised Scale of Pay (in case of HAG and above) applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008, subject to proportionate reduction in case his qualifying service up to the deemed date of retirement falls short of full qualifying service and disability element equal to 30% of the same minimum of Pay in the Pay Band plus Grade Pay (in the case of below HAG scale)/minimum Basic Pay in the revised Scale of Pay ( in the case of HAG and above) as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008 subject to the condition that the aggregate of service and disability element shall not be less than 80% of the minimum of Pay in the Pay Band plus Grade Pay/minimum Basic Pay, in case of HAG and above, applicable from 1.1.2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008 for 100% disability.
For lower percentage of the disability, proportionate reduction would be made in disability element as provided in OM dated 3.2.2000 as amended vide O.M. No.45/3/2008-P&PW (F) dated 18.11.2008-
V. Disability Pension for Cases under Category E
(a) Disability pension would comprise of a service element equal to 50% of minimum of Pay in the Pay Band plus Grade Pay (in the case of below HAG scale or the minimum Basic pay in the revised Scale of pay (in case of HAG and above) applicable from 1-1-2006, corresponding to the scale of pay last held by the employee as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No.1/1/2008-IC dated 30th August, 2008 subject to proportionate reduction in case his qualifying service upto deemed date of retirement falls short of full
qualifying service and disability element equal to the same minimum of pay in the Pay Band plus Grade Pay ( in the cases of below HAG scale) or the minimum Basic Pay in the revised Scale of Pay (in case of HAG and above) corresponding to the scale of pay last held by the employee, as arrived at with reference to the fitment tables annexed to the Ministry of Finance, Department of Expenditure, OM No. 1/1/2008-IC dated 30th August, 2008 for 100% disability.
(b)For lower percentage of the disability, proportionate reduction would be made in disability element as provided in OM dated 3.2.2000 as amended vide O.M.NO.45/3/2008-P&PW (F) dated 18.11.2008.
3. In the case of Disability pension/Family pension calculated as per para 4.1 of OM NO.38/37/2008-P&PW(A) dated 1.9.2008 is higher than the disability pension/family pension calculated in the manner indicated above, the same (higher consolidated disability pension/family pension) will continue to be treated as basic disability pension/family pension.
4. These orders shall take effect from 24.9.2012. There will be no change in the amount of revision disability pension/family pension paid during the period 1.1.2006 to 23.9.2012, and, therefore, no arrears will be payable on account of these orders for that period.
5. All other terms and conditions in the O.M. dated 3.2. 2000, as amended vide O.M. No.45/3/2008-P&PW (F) dated 18.11. 2008 and 30.09.2010 shall remain unchanged.
6. This issues with the concurrence of the Ministry of Finance, Department of Expenditure, vide their 10 No.481/EV/2014 dated 3.9.2014.
7. In so far as persons belonging to the Indian Audit & Accounts Department, these orders issue after consultation with the Comptroller & Auditor General of India.
8 All Ministries/Departments are requested to bring the contents of these orders to the notice of Controller of Accounts/Pay and Accounts Officers and Attached and subordinate Offices under them on a top priority basis. All pension disbursing officers are also advised to prominently display these orders on their notice boards for the benefits of disability pensioners/family pensioners.                   (Unquote)
Payment of Income Tax :   A guideline
            Following tables have been provided by former Secretary Shri S Gurudas, on the above subject. Income Tax Return is mandatory for even the senior citizens if their income is over Rs 3 lakhs. Those above 80 years have the exemption, however.
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ASSESSMENT YEAR 2015-16
• For a resident senior citizen (who is 60 years or more at any time during the previous year but less than 80 years on the last day of the previous year, i.e., born during April 1, 1935 and March 31, 1955) 
Net income range
Income-tax rates
Surcharge
Education cess
Secondary and higher education cess
Up to Rs. 3,00,000
Nil
Nil
Nil
Nil
Rs. 3,00,000 – Rs. 5,00,000
10% of (total income minus Rs. 3,00,000) [see Note 1]
Nil
2% of income-tax
1% of income-tax
Rs. 5,00,000 – Rs. 10,00,000
Rs. 20,000 + 20% of (total income minus Rs. 5,00,000)
Nil
2% of income-tax
1% of income-tax
Rs. 10,00,000 – Rs. 1,00,00,000
Rs. 1,20,000 + 30% of (total income minus Rs. 10,00,000)
Nil
2% of income-tax
1% of income-tax
Above Rs.1,00,00,000
Rs. 28,20,000 + 30% of (total income minus Rs.1,00,00,000)
10% of I.T. [seeNote 2]
2% of income-tax and surcharge
1% of income-tax and surcharge


ASSESSMENT YEAR 2015-16
• For a resident super senior citizen (who is 80 years or more at any time during the previous year, i.e., born before April 1, 1935)—
 Net income range
Income-tax rates
Surcharge
Education cess
Secondary and higher education cess
Up to Rs. 5,00,000
Nil
Nil
Nil
Nil
Rs. 5,00,000 – Rs. 10,00,000
20% of (total income minus Rs. 5,00,000)
Nil
2% of income-tax
1% of income-tax
Rs. 10,00,000 – Rs. 1,00,00,000
Rs. 1,00,000 + 30% of (total income minus Rs. 10,00,000)
Nil
2% of income-tax
1% of income-tax
Above Rs. 1,00,00,000
Rs. 28,00,000 + 30% of (total income minus Rs. 1,00,00,000)
10% of income-tax [see Note 2]
2% of income-tax and surcharge
1% of income-tax and surcharge
 Notes :
1. Rebate under section 87A – A resident individual (whose net income does not exceed Rs. 5,00,000) can avail rebate under section 87A. It is deductible from income-tax before calculating education cess. The amount of rebate is 100 per cent of income-tax or Rs. 2,000, whichever is less.
2. Surcharge – Surcharge is 10 per cent of income-tax if net income exceeds Rs. 1 crore. It is subject to marginal relief (in the case of a person having a net income of exceeding Rs. 1 crore, the amount payable as income tax and surcharge shall not exceed the total amount payable as income-tax on total income of Rs. 1 crore by more than the amount of income that exceeds Rs. 1 crore).
3. Education cess – It is 2 per cent of income-tax and surcharge.
4. Secondary and higher education cess – It is 1 per cent of income-tax and surcharge.
• Alternate minimum tax – Tax payable by a non-corporate assessee cannot be less than 18.5 per cent (+SC+EC+SHEC) of “adjusted total income” as per section 115JC
source: Income taxindia.gov.in

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C  G  H  S
          Revision of CGHS formulary:                 The Ministry of Health and Family Welfare, New Delhi, has clarified the position of formulary, through its OM No.Ot.F.No.2-2/2014/CGHS HQ/PPT/CGHS(P) d/ 1st October 2014. It said :
(Quote)           With reference to the OM No.2-2/2014/CGHS HQ/PPT/CGHS(P) of Ministry of Health and Family Welfare, Department of Health and Family Welfare, dated 25-8-2014, I have been directed to inform that the CGHS formulary is under revision. In the meantime, the formularies of the Ex-Servicemen Contributory Health Scheme (ECHS) and Employees State insurance Corporation have also been adopted to avoid hardship to the beneficiaries. These formularies are also placed on website of the CGHS. It has been reported that still there are a few essential medicines which are not covered by any of these formularies. It is therefore clarified that till CGHS formulary is revised, CGHS I/Cs may use their discretion to supply such medicines which they consider essential and are not in the formularies of CGHS, ESIC and ECHS subject to following :
1             In such cases, the duration of prescription should not be for more than seven days and the cost of the medicine must be less than Rs 1500,00 per week.
2             It should be approved by the Drug Controller General of India (DCGI), for use in India for that particular indication.
3             In case of imported drug, the drug can be prescribed only when the Indian substitute is not available and the drug is approved by the DCGI for use in India for that particular indication.
4             In case, if the duration of treatment is more than one week and/or the cost is more than Rs 1500, the prior permission of AD(MSD)/AD of the City must be obtained.
This is issued with approval of the competent authority.                      (Unquote)
          Ministry’s instructions on Issue of medicines:          OM No.2-2/2014/CGHS HQ/PPT/CGHS(P) d/ 21st October 2014 of the Ministry of Health and FW restores the earlier Instructions on issue of medicines. It said “Medicines can be issued for upto 3 months at a time in chronic diseases on the basis of a valid prescription, and for upto 6 months for those beneficiaries who are going abroad, as was the case prior to issue of OM dated 25.8.2014.”
(Courtesy:    Both the above two Items are lifted from “SwamysnewS” for Nov and Dec          2014, respectively.)
            Another OM of the Ministry of Health:               The Ministry of Health & FW, New Delhi, has issued another OM No.2-2/2014/CGHS(HQ)/PPTY/CGHS(P) d/ 23rd December 2014 on ‘Clarification regarding issue of medicines under CGHS’. It is reproduced below:
(Quote)           With reference to the above mentioned subject the undersigned is directed to state that the situation arising out of issue of Office Memorandum No 2/2014/CGHS(HQ)/PPTY / CGHS(P) dated the 25th August ,2014 has been engaging the attention of Government for quite some time. Various representations about the difficulties being encountered have been received from different stakeholders i.e., beneficiaries and doctors, necessitating a review of the matter. It was accordingly considered by a Committee under the Chairmanship of AS&DG,CGHS. After careful review and keeping the recommendations of the Committee in mind, the following guidelines are issued to streamline the functioning of the Wellness Centres:
i. The medicines are to be issued as per the CGHS Formulary and guidelines issued by this Ministry in this behalf.
ii. In case the prescribed medicines are not available in CGHS formulary, but are essential for the treatment of the patient, they can be issued / indented by the doctors of the CGHS Wellness Centre on the basis of a valid prescription of the authorized specialist subject to the condition that such medicines are neither dietary supplements/ food items nor banned drugs. Instructions on this issue i.e., non-admissibility of food items etc. issued vide O.M .No. 39-3/2003-04/CGHS/MSD/RS dated 23rd July 2009 and 3rd August 2009 must be followed.
iii. In case of anti-cancer drugs and other life-saving drugs that are not approved by the DCG1 for use in India, each case should be considered by the Expert Committee under the Chairmanship of Special DG(DGHS).
iv. The technical Standing Committee constituted vide 2-2/2014/CGHS(HQ)/PPTY / CGHS(P) dated 27.08.2014 of this Ministry will review addition or deletion of drugs in the CGHS Formulary/ list of Treatment procedures / investigations / listed implants. The Technical Committee will meet once in three months or as per need, whichever is earlier. In the meantime reimbursement for unlisted procedures / implants will be made at the rates approved by AIIMS/GB Pant Hospital / actuals, whichever is less.
2. The O.M. of even number dated 25.08.2014 is superseded to the above extent while O.M. of even number dated 1.10.2014 is withdrawn.    **                                 (Unquote)
(PS:    1.         The OM is thankfully and quickly conveyed by Shri S Gurudas, former Secretary of the Assn.
2.         The OM d/ 1.10.2014 **, which is mentioned in previous para, is also reproduced above. It was lifted from SwamysnewS.)
            A CGHS Advisory Committee out-going member speaks out :  A significant ‘speech’ !
Dear Friends,              I have completed my tenure of two eventful years as Member (Pensioner Nominee) of Advisory/Grievance Committee for CGHS Wellness Centre. Though we gave periodical reports to CCCGPA Karnataka on our activities, I think I should give a report to our members.
To start with, I did not know what I was heading for, when I volunteered to be on Advisory Committee, which later turned out to be an eventful period.
Government of India has been generous in taking care of Pensioners. After monthly pension, Health care in the form of CGHS is the best thing we pensioners have.
I recollect. When I approached CGHS office in Kendriya Sadan, Koramangala, I  expected another Govt. Office, make me wait endlessly at every stage, make me doubt whether I was eligible for CGHS or not, and ask for more and more details, before they could give me a CGHS Card. I was pleasantly surprised. Everyone there talked to me with respect, showed respect for the organisation, I once served, the Border Security Force, and gave very precise information on what documents to bring. In the next meeting, they presented me the CGHS Card. I must have spent about half an hour on each occasion.
I happened to be attached to Wellness Centre at Shivajinagar and for some time to Gangenahalli Wellness Centre. Almost all Doctors and Pharmacists, who dispense medicines, spoke with concern, care and respect. Even when waiting period was 3 hours or more and our turn came beyond 2 PM (on those days CGHS timings were 07-30 AM to 2-00 PM), Doctors and staff generally remained cool and composed. If I name a particular Doctor or Staff, I will be doing injustice to others. I wish I had conveyed my appreciation more often.
A Few issues dominated last two years. Change of timings, Issue of plastic card, Computerisation in CGHS, Requests for revision of CGHS rates by Hospitals and Diagnostic Laboratories, Pending bills, Discontinuance of cashless treatment facilities for pensioners, Issue of medicines for 30 days only instead of 90 days as was the practice for some diseases, De-recognition and Empanelling  of  hospitals and laboratories.
Above issues, to say the least, disturbed the pensioner community to such an extent, they started thinking Health support from Govt may just go into memory and Health care in future would remain a nightmare.
Fortunately for us, pensioners, situation has improved. Nightmare seems to be over. By the time you read this article, situation should be near normal, with better systems in place, which are good for Govt., Private Hospitals, Laboratories and of course the beneficiaries. Having said all these, there are some issues which have eluded satisfactory solutions. Some of these issues are here.
Virtually no empanelled hospital in North Bangalore. No new Wellness Centre for Bangalore. No new Polyclinic for Bangalore.   No Wellness Centre outside Bangalore. Getting appointment with Specialists continues to be difficult. Many well-known hospitals, which were with CGHS, are yet to come back to CGHS fold.
There were suggestions, complaints, requests, pleadings, angry outbursts by the beneficiaries. I know I have not met many of those expectations. I gave them a hearing and I am happy. I was able to help some of them. What is good is there are many individuals and informal groups supporting each other during crises period. We should think how to extend or enlarge these groups.
There are many Central Government Pensioners who are not aware of CGHS or some not convinced about the utility of CGHS Scheme. Gerard La Forgia and Somil Nagpal have done a vast study on virtually every (Health) scheme that is present in India. (Report runs to 700 pages).  I wish to quote 5 lines from that report. (Quote) In terms of depth of coverage, CGHS has the most generous benefits package of those described in this book and is one of the most generous health insurance schemes in the world. CGHS offers a comprehensive package of out-patient and in-patient care, also including preventive care. It also covers ayurvedic, homeopathy, unani and siddha systems of medicine. There are no exclusions for pre-existing diseases, co-payments, deductions, or monetary cap on yearly or life-time coverage.  (Unquote)
I strongly recommend to those who have not opted for CGHS, please opt. Pay full contribution, now. Once 7th CPC report comes, you may have to pay 3 to 4 times of what you will be paying now. There are no doubts many hiccups in CGHS, but  you cannot afford to ignore Health insurance?


Government has before it ‘ Vision 2020 ‘, Vaccination for elders, Annual check-up for pensioners etc., At the same time, Budgetary allotment seems to restrict extension of  CGHS coverage. 
I thank the CCCGPA Karnataka and the KCGPA Bangalore for giving me an opportunity to serve in the Advisory Committee of CGHS Wellness Centre No.1 as Pensioners’ nominee. I thank all Doctors and Staff of CGHS for their understanding, cooperation and their commitment to beneficiaries.                                --    By Shri Ashok S Kololgi, Secretary, Karnataka CGPA.
(PS:  The Addl Director, CGHS, at Koramangala, may gracefully peruse, please !)

Full pension for pre-2006 20-year service pensioners
          The case on December 15, 2014, is adjourned to February 6, 2015.
 Meantime, an RTI Appeal gives interesting information – though against the interests of the pre-2006 full pension-seeking litigants. An RTI Appeal was filed before the First Appellate Authority, on 28.9.2014. The applicant desired to have information on the basis of which retrospective full pension benefit has been denied to pre-2006 pensioners, vide para 2 of OM d/ 10.12.2009. The Reply d/ 10.10.2014 stated that in terms of orders issued by the Govt, pre-2006 pensioners are not entitled to full pension, if they did not have 33 years of qualifying service. On this reply, another RTI Appeal was filed on 29.10.2014 stating that the required information was not provided. Thereupon, the Appellate Authority decided on 4.12.2014 that there was no denial of the required information, and disposed of the Appeal. The Authority added “In case you are not satisfied with the information, you may file a Second Appeal with the Central Information Commission, Room No.306, 2nd floor, August Kranti Bhavan, Bhikamaji Place, New Delhi 110 066. (Smt Tripti P. Ghosh is the Director of the First Appellate Authority.)
Karnataka CGPA
     Postal Registration extended:                The Karnataka Postal authorities have extended the registration period for despatch of ‘Pensioners Digest’ from 1.1.2015 to 31.12.2017, with new Regn No.KARN/BGE/200/2015-2017.  We are thankful to them for this facility and continued patronage. We are endeavouring to get their permission for postal franking, to avoid purchase of postage and affixing them on to each issue of the PD. We hope we would get this clearance shortly.
      ‘Pensioners Digest’ reaches Gujarat and Rajasthan !            The Pensioners’ Assns here have remitted the subscription to the PD, and the issues of December 2014 have already been despatched to them. Shri GM Halvadia is the Secretary of the Telecom Pensioners Assn, Tel.No.9173899281 at SIHOR. The issues go to the address: ‘Prasad’, Jalaram Lati, Station Road, SIHOR (PIN) 364240 (Gujarat). Shri M R Kukar is the Secretary of CGPA at Sri Ganganagar,   Tel. No. M: 9352095757. The issues go to No.70, Indra colony, St. 3, Sri Ganganagar (PIN) 335001 (Rajasthan). We thank them for evincing interest in our journal.
      The President avails this opportunity to state this. The PD is presently sent on-line to the e-mail holders of the MC and a few others, in the first week of every month. The Bharat Pensioners Samaj, New Delhi, has also requested for ‘soft copy’ on line. We have no hesitation whatsoever to send the PD to others too, on-line. Those who need such ‘soft copy’ on line may please intimate the President (hngrssrrao@gmail.com)  their e-mail IDs with telephone numbers, for the required action. Postal issues will also however be sent, on 11th each month, as stipulated by the Postal authorities. (There was a suggestion that this date should be shifted to 15th. The President declined it, stating that he desired that the PDs should reach the members as early as possible.)
      Visit to the Printer’s unit:              The President and the Treasurer of this Assn visited the Printers’ establishment on Dharmaraja Koil street, Bangalore, on December 3, 2014. They got an idea where the on-line PD-text is received, where the printing is done, where the stamping etc are done. The printers-staff are working as a composite unit, under the guidance of our Printer Shri V Sathianarayanan. One reason was to check up how colour photos on glossy papers were incorporated in the issue of PD for December 2014. As an incentive and as Xmas and New Year Eve gift to the staff, the Assn presented them a token amount of Rs 500, and requested them to have lunch together on any one day. They complied with the request gratefully, and had the lunch on December 10, 2014. We thank the Printers staff for their valuable continuous service for long years.
      Vice-Prdt, AIFPA Chennai, visited Bangalore:           Shri M R V Nath, Vice-President, AIFPA, Chennai, who was on a visit to Bangalore (to see his son employed here), spoke to the President and visited him on December 25. He assured of inter-action between the two units, and said that the news of KCGPA getting the SP Vatta Trophy & Cash reward would be incorporated in the Federation journal ‘Pensioners Advocate’. He has handed over 3 papers on CGHS functions, and these are looked into. The President had politely told him that despite this Assn intimating the AIFPA Chennai of the demise of former President Shri M N Doreswamy (vide e-mail d/5.12.2013), the Federation had not published the demise, not to mention other items. It should be stated here that the KCGPA has thankfully extracted many pieces of information from the ‘Pensioners Advocate’ (Chennai) and published them in ‘Pensioners Digest’ (Bangalore) off and on.
Grievances registration on CPENGRAMS
     One case of Shri D M Mahadeva Panthalu (M No.725) has been registered  (the 14th  by the Assn) on the Portal with Regn No.DOPPW/E/2014/03165 on 26 Dec 2014, for revision of his pension. He has stated that he has written to the CDA(P) Allahabad on November 5, 2014; but has not received any reply.
      The President desires to point out here that the pensioners have shown quite delayed attention in projecting cases of wrong pension fixation/re-fixation. The Ministry’s portal indicates position of pension re-fixation after the 6th CPC. The fixation was done after the 6th CPC recommendation, in 2008/2009; and why is this delayed pointer by the pensioners. We have more than half a dozen such cases still on hand in the last two years, and nothing has reached the point of clearance. The pensioners should look into their cases immediately, take them up promptly with their Departments or with the Dept of Pensions, and approach the Assn in the event of no-reply/no-action by the concerned authorities.  The pensioners can also individually file their Grievances on the Portal. In fact, we have already indicated to the Dept that it i.e. the Grievances portal functions just as ‘post office’ by forwarding the grievances to a nodal officer in the corresponding department, and washes off its hands. The BPS remarked that the portal ‘forwards and forgets’ the grievances!


            New members enrolled:               Following 7 members have joined the Assn during the month. We welcome them, and wish them well.
Nmes (S/Shri)
Age/DOB
Dept.
Tel No./E-mail ID
M No.
Abhay Kumar Ghosh
69
02-11-1945
BSF,  MHA,

2847 8271;  9845572585
1102
Gurudev N
69
14-12-1945
ICAR (IIHR),
Bangalore
99164 21148
1104
Krishnamurthy M
74
14-11-1940
CQAL, B’lore
2333 7885;  9845694390
1108
Kulkarni KG
76
14-07-1938
CQAL, B’lore
2343 7207;  9482230666
1106

Narayana Moorthy TM
71
01-02-1943
CQAL, B’lore
2353 2985;  9901226170
1103
Sarjoo Singh Suryavamshi
70
20-02-1944
ADE, DRDO
96862 35138
1105
Venugopal BR
66
14-04-1948
CQAL, B’lore
87224 75654
1107

            Payments received:           Following payments have been received during the month. Three members have paid Rs 1000 each. We thank them all for their payments.  (** ) Among them are : Shri GM Halvadia, Secretary of Telecom Pensioners Assn, Sihor (Gujarat), and Shri M R Kukar, Secretary, CGPA, Sri Ganganagar (Rajasthan).
Names (S/Shri)
M No.
Rect.
No.

Dona-
tion
M.
Fee
PD subs.
Year/s
Abhay Kumar Ghosh
1102
914

500
500 
14-18
Gurudas S
  105
921


500
15-19
Gurudev N
1104
924

500
125
14-15
Halvadia GM,   **       

931


125

Krishnamurthy M
1108
928

500
125
14-15
Kukar MR,     **

932


130

Kulkarni KS
1106
926

500
125
14-15
Murthy RS
  611
929
  500

500
15-19
Nagaraja K
  255
918
  500

500
14-18
Narayana Moorthy TM
1103
920

500
125
14-15
Prabhakar MK
1035
911
1000



Ramamurthy BS
  856
919


500
14-18
Sarjoo Singh Suryavamshi
1105
925

500
125
14-15
Sathyanarayana BL
  906
917
1000



Shashikanth S Kargudri
  408
915
1000



Subba Rao B
  378
923
  350

250
16-18
Syed Akbar
  829
916
 

250
14-16
Usha Kumari Smt.
  485
912
  500

Vaidyanatha Prabhakara
  492
922
  500



Venugopal BR
1107
927

500
125
14-15

Revision of PPOs
          Two cases continue to agitate the Assn. One, the PPO of Shri A S Pereira, who is running the 93 year on bed, is yet to be revised. He keeps ringing up the President every fortnight. We have tapped the doors of ‘every one’ in the country; the BPD screamed in its Blog two month back stating ‘Will any Govt officer help?’;  and yet there is no fruitful response.
Second, Shri B D Bhandari, also on sick bed, has to get a duplicate PPO. The original has not been received, and is apparently lost in transit.             He has been given a PPO number by his Bank, and on that basis he continues to get his pension. But, but, the CPAO holds that the number is incorrect !
(ATTENTION:    The Secretary, Ministry of Pensions, may kindly look into these two ‘SOS’ cases, and take considered quick action to help the sick and aged pensioners, please.)
A Quote
            When God blesses you financially,
                                    Do not raise your standard of ‘living’;
                                                            (But) Raise your standard of ‘giving’.
n    Mark Batterson

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Go Green                                        ::                                        Be Clean




A Request   --                                  P l e a s e :

1            write your names in capital letters, with telephone numbers, in all communications  –   
                even while making remittances;
2             do not send courier/registered mail or MOs to the Office (working 2 to 5 pm);
               Office tel. no. is 23468438, and Manager’s mobile number is 9241703937;
3             remit PD subscriptions during Feb-March, as subscription is for financial year;
  remittances made upto December will expire in March following;
4            request the Office for substitute PD issues, before 20th of the month;
5            comply with Appeal for Donations, minimum being ‘50% of DR hike every six months’
              (which is an AGB Resolution);
6            represent your Grievances/Problems, in writing, with telephone numbers/e-mail IDs 
              in particular, as we tabulate them.

Thank  you.                                                                





                                        THE KARNATAKA CENTRAL
             GOVERNMENT  PENSIONERS’ ASSOCIATION®
                  
                                                 
       (Estd  : 1974)                                                                                                           (Regd : 1983)
        RNI  Regn. No.KARENG/2008/27233                Postal Regn. No.KRNA/BGE/200/2015-2017

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PENSIONERS’  DIGEST

JANUARY  2015






              “Swarna”, 120/1, 2nd Main, Gayatri Devi Park Extension, Vyalikaval, Bengaluru 560 003

               




               PENSIONERS’ DIGEST      :     JANUARY  2015
                             (Subscription:   Rs 125/- per financial year)
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RNI  Regn. No.KARENG/2008/27233                                          Postal Regn. No.KRNA/BGE/200/2015-2017
                                        Posted at  Bengaluru GPO, Bengaluru 560001, in bulk, on 11th of each month.
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S/Shri/Smt:





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If undelivered,        please return to:
The Karnataka CGPA, “Swarna”, 120/1, 2nd Main, Gayatri Devi Park Extension,   Vyalikaval,  Bengaluru 560 003
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Published by Shri S Gurudas, for and on behalf of The Karnataka Central Government Pensioners’ Association, “Swarna”, No.120/1, 2nd Main, Gayatri Devi Park Extension, Vyalikaval,, Bengaluru 560003; and Printed by Shri V Sathianarayanan, at M/s GH Enterprises, No. 128, Dharmaraja Koil Street, Bengaluru 560001; and  Written/Edited by  Shri  S S  Ramanatha Rao.
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