Tuesday, October 30, 2012

Early morning tea and coffee in winter can be harmful

WHILE DELIVERING a lecture in a free heart checkup camp organized at Hindi Academy by Heart Care Foundation of India in association with Central Bank of India, Dr. Aggarwal said that most heart attacks occur in the morning hours of the winter.
All heart patients should also take their heart medicines in the night during winter so that the early morning period is covered and any fluctuations in pulse and blood pressure are denied by adequate blood levels.Pulse rate, platelet aggregation, blood viscosity and blood pressure are all on on higher side in winter in early morning hours. Any further rise can  be dangerous to the heart. Tea/coffee, cigarette and alcohol all can increase pulse rate and blood pressure.  
It is rare to get first attack of acidity or asthma after the age of 40. If anybody in this season gets up with attack of asthma or acidity unless proved otherwise, it should be presumed to be a heart attack and one should be shifted to the hospital at the earliest. Chewing of water soluble aspirin at the onset of heart attack can reduce chances of death of 22 per cent.
Padmashri & Dr. B.C. Roy
National Awardees, 
DR. KK Aggarwal, 
 Heart Care Foundation of India.

AISCCON 12th annual Conference at Trivendrum-Programme

AISCCON 12th annual conference programme

Rs.2300 crore approved to meet the demands of Ex-servicemen pensioners

Press Information Bureau

Government of India


24-September-2012 21:34 IST

Rs.2300 crore approved to meet the demands of Ex-servicemen pensioners
The Union Cabinet has approved the recommendations of the Committee headed by Cabinet Secretary for benefits to ex-servicemen on four issues. The financial implications of the improvements made as per the Cabinet decision on the four items are broadly estimated at Rs.2300 crore per annum. The details are as follows:

I. One Rank One Pension:
On One Rank One Pension, the demand of the Defence Forces and Ex-Servicemen Associations is that uniform pension be paid to the Defence Forces personnel retiring in the same rank with the same length of service irrespective of their date of retirement and any future enhancement in the rates of pension be automatically passed on to the past pensioners.

The difference in the pension of present and past pensioners in the same rank occurs on account of the number of increments earned by the defence personnel in that rank. There is also a difference between the pension of pre 1.1.06 and post 1.1.06 retirees belonging to a particular rank. The UPA Government on two previous occasions has taken decisions to narrow the gap between the present and past pensioners, particularly those belonging to the ranks of JCOs and Other Ranks.

On the issue of One Rank One Pension, the following have been approved by the Cabinet:

(i) Bridging of the gap in the pension of pre 1.1.06 and post 1.1.06 JCO/OR retirees by determining the pension of pre 1.1.06 retirees on the basis of notional maximum for ranks and groups across the three Services as in the case of post 1.1.06 retirees. In addition, the weightage of qualifying service in the ranks of Sepoys, Naik and Havaldar would be increased by two years for both pre and post 1.1.06 retirees.

(ii) The pension of pre 1.1.06 Commissioned Officer pensioners would be stepped up with reference to the minimum of fitment table for the ranks instead of the minimum of pay band.

These are expected to largely meet the demands of the defence pensioners on one rank one pension.

II. Enhancement of Family Pension :

(i) The pension of pre - 1.1.2006 family pensioners(Commissioned Officers, Honorary Commissioned Officers, JCOs/ORs ) be stepped up based on the minimum of the fitment table instead of the minimum of the Pay Band;

(i) Establishing linkage of the family pension with the pension of JCOs/ORs, in those cases where the death takes place after the retirement of the JCO/OR since such a JCO/OR drew a pension based on the maximum of the pay scales, 60% of the pension applicable to JCO/OR pensioners would be granted to the family pensioner in case of normal family pension calculated a 30% of last pay drawn. Accordingly, based on the rank, group and length of service of the deceased JCO/OR pensioner, his pension would first be determined on notional basis. In cases where death of JCO/OR took place after retirement, the family pensioners in receipt of normal family pension would become entitled to 60% of the said pension determined on notional basis and those in receipt of enhanced family pension will be entitled to 100% of this pension. Similar entitlements would be determined in the case of Special Family Pension; and

(ii) The family pensioner of the JCO/OR would be granted pension arrived at on the basis of the family pension worked out as per the formulation at (i) above or the pension on the basis of stepping up with reference to the minimum of the fitment table, whichever is beneficial. Further, the linkage of family pension with retiring pension be applied in the case of post 1.1.2006 family pensioners of JCOs/ORs also.

III. Dual Family Pension:

Dual family pension would be allowed in the present and future cases where the pensioner drew, is drawing or may draw pension for military service as well as for civil employment.

IV. Family pension to mentally / physically challenged children of armed forces personnel on marriage:

Grant of family pension to mentally/physically challenged children who drew, are drawing or may draw family pension would continue even after their marriage.

The above recommendations made by the Committee on pension issues of Ex-Servicemen may be implemented from a prospective date and payment made accordingly.

Monday, October 29, 2012

Grant of Dearness Relief to Central Government pensioners who are in receipt of provisional pension or pension in the pre-revised scale of 5th CPC w.e.f. 1.7.2012.

Grant of Dearness Relief to Central Government pensioners who are in receipt of provisional pension or
pension in the pre-revised scale of 5th CPC w.e.f.1.7.2012.

‘ India’s pension system is second least sustainable’

  Pl. Coment :

‘ India’s pension 
system is second 
least sustainable’
How is old age income security in India different from the systems in developed countries?
Research at Allianz has found that India’s pension system is globally the second least sustainable, with only Greece being worse off. India’s pension system is biased towards the organised sector and old age income is confined to voluntary savings in the unorganised sector. Income at retirement is far from adequate and public sector pension provisions are far behind the OECD ( Organisation for Economic Co- operation and Development) benchmark. Average income earners are unable to replace pre- retirement earnings compared with most OECD countries.
Usually, the less generous the public pension system, the better developed is the privately- funded one. So in Switzerland or the Netherlands, where the replacement rate from public pension schemes is below 40 per cent, we find pension assets of €55,000- 70,000 per capita, which is more than 50 per cent ( of per capita) GDP. In India, it’s 6.2 per cent relative to GDP.
What can be done to improve existing structures?
The list is long. ( Ensuring) strong growth of pension assets and incentives for private retirement savings, such as tax advantages, matching contributions, for mid- and higherincome earners ( will work). Regulations allowing the industry to offer large- scale products for private retirement savings on a cost- efficient and profitable basis would also help.
Is there a system ( such as the 401k in the US) that India can replicate?
Any retirement system is based on a country’s culture and economic structure. You cannot just transfer any system. However, referring to the main models, there are three possibilities.
The World Bank’s three- pillar model, in which retirement income is from three income sources: public pensions to cover basic needs, occupational pensions for an earningsrelated source and additional private savings. This model allows for risk- diversification.
If India opts a libertarian pension system, it is worth learning from the US experience— a DC ( defined contribution) system that requires employee participation, either compulsory or supported by automatic enrolment. Employee contribution should be characterised by high default savings rates with auto- escalation.
Each participant should have a customised ‘ target date glide path’ with mid- course corrections and operational structures capable of reducing investment and administrative fees. A more paternalistic approach, as found in Europe, would be the Dutch collective DC system.
There was a furore over insurers having to guarantee minimum returns on pension funds. How feasible is a guarantee on such a longterm product?
In some developed markets, such as in Germany, longevity coverage ( beyond the age covered in a financial plan) and guaranteed life- long pension income are USPs of life insurers. The cost of these guarantees, though, has become an issue in current lowyield markets and with regard to Solvency II ( European Union regulation for insurance companies).
Long- term care products are not available in India while rising healthcare cost is a major concern. So, can retirement products supplement health plans?
The primary function of a pension product is to provide life- long retirement income. Even so, from a marketing perspective, it may make sense to bundle a pension product with additional riders. This is quite common in developed pension markets.

Visit : www.bharatpensioner.org

Sunday, October 28, 2012

Cabinet Decision-18.10.2012

18.10.2012 PIB Release  Cabinet Decision
Increase in rate of pension from Rs. 200/- to Rs. 300/- per month under the ongoing Indira Gandhi National Widow Pension Scheme and Indira Gandhi National Disability Pension Scheme as well as increase in grant from Rs. 10,000/- to Rs.20,000/- under the National Family Benefit Scheme

The Union Cabinet today revised the norms and enhanced rates of pension for widows and persons with disabilities.

This is in fulfilment of the announcement made by the Finance Minister while presenting the Union Budget 2012-13 in the Parliament on 16th March 2012.

In view of the above decision, 76 lakh Below Poverty Line (BPL) widows and 11 lakh below poverty line persons with severe or multiple disability would get enhanced amount of central assistance @ Rs. 300 p.m. This would be in addition to the contribution by the States. Further, 3.56 lakh BPL families will receive one time lump sum enhanced grant @ Rs. 20000/- in the event of death of the primary breadwinner in the family.

The following are the details:-
(i) To increase the rate of pension under the ongoing Indira Gandhi National Widow Pension Scheme (IGNWPS) from Rs. 200/- to Rs.300/- per month per beneficiary and to revise the eligibility criteria from 40-59 years to 40-79 years.

(ii) To increase the rate of pension under Indira Gandhi National Disability Pension Scheme (IGNDPS) from Rs. 200/- to Rs. 300/- per month per beneficiary and to revise the eligibility criteria from 18-59 years to 18-79 years.

(iii) To increase the lump sum grant under National Family Benefit Scheme (NFBS) from Rs. 10000/- to Rs. 20000/-and also to revise the eligibility criteria from 18-64 years to 18-59 years.

(iv) To make the requirement of "at least an equal contribution under all the pension schemes as well as under NFBS by State Governments/Union Territory Administrations" recommendatory.

(v) To implement the revised norms under IGNWPS and IGNDPS with effect from 1st October, 2012.

(vi) To implement the revised norms under NFBS from the date of approval of the Cabinet.

(vii) To continue implementation of the NSAP during the 12lh Five Year Plan and to provide 3 per cent administrative charges on approved items.

The total requirement of funds tor the current proposal comes to Rs. 3861.09 crore per annum. However, after taking into account the existing rate of assistance and number of beneficiaries, the net additional requirement for implementing the announcement comes to Rs. 1325.10 crore per annum.

Saturday, October 27, 2012

News Flash


Secy.Genl., BPS, Secy Genl, AIFPA, Chennai
with active support of
NFRP, Palghat
Call upon Rly Pensioners’ Associations &

C G Pensioners’ Associations with membership

of Rly Pensioners to attend in large numbers.

4th National Convention of Rly Pensioners

Associations on 9th Feb, 2013 at Nagpur

Delegation fee Rs 200/- per person. For

accommodation at Nagpur and other information

Contact : J.N. Rao, Vice President (West),

Phone : 0712 265 2335

Mob: 09421703511

email : Jnrao36@rediffmail.com

Associations / Federations may send draft

Resolutions for consideration & inclusion

by 31.12.2012. to:

Bimalendu Chkraborty,

Secretary, Railway Pensioners (B.P.S.),

Office of the N.F.Railway Pensioner's Association,

NJP - Gate bazar, P.O. - Bhaktinagar, Dist.- Jalpaiguri ( W.B.),

PIN - 734007
Email - bimalendu1947@gmail.com

Ph.- 08016135182

Friday, October 26, 2012

27th Pension Adalat - 2012 will  be held on South Central Railway on Monday, December 17th 2012  at the Venues indicated below : 
Retired employees, Pensioners, Wards/ and dependents of deceased employees may apply to the authorities concerned indicated for grievances regarding their non-payment of settlement dues in the proforma appended with full details.  Please note that the  application is to be made only to the Division/Unit in which the employee last worked.  It may be noted that the Pension Adalat is  for the purpose of redressing the grievances of pensioners regarding non-payment of settlement dues and pension etc. Hence  grievances not connected to settlement dues and cases involving purely legal points e.g succession certificate etc., cannot be taken up  in the Pension Adalat.  Grievance  once redressed through earlier Pension Adalats suitably need not be represented again.

Venues and authorities to be addressed for the Adalat :

S.No.Staff retired from Divisions/UnitsApplication to be addressed toLocation of Adalat to be held
1SCR Zonal Hqrs, 
Workshops/LGDS and 
other units situated in SC area
Asst. Personnel Officer/ Bills 
IVth Floor 
Office of Chief Personnel Officer 
Rail Nilayam 
Secunderabad - 500071
2Secunderabad DivisionSr.Divisional Personnel Officer 
IVth Floor 
Office of Divisional 
Railway Manager Sanchalan Bhavan 
Secunderabad - 500071
3Hyderabad DivisionSr.Divisional Personnel Officer 
Ground Floor Office of Divisional Railway Manager 
Hyderabad Bhavan Secunderabad - 500071
4Vijayawada DivisionWorkshops/ GTPL and other 
units situated in BZA area 
Sr.Divisional Personnel Officer Office of 
Divisional Railway Manager 
Vijayawada - 520001
5Guntur DivisionSr.Divisional Personnel Officer 
Office of Divisional Railway Manager 
6Guntakal DivisionWorkshops/ TPTY and other 
units situated in GTL area 
Sr.Divisional Personnel Officer Office of 
Divisional Railway Manager 
Guntakal - 515801
7Nanded DivisionSr.Divisional Personnel Officer 
Office of Divisional Railway Manager 
Nanded – 431605 
Maharastra State

Last date for receipt of Grievances by the respective Officers mentioned above  is 31st October, 2012.   Please note that it may not  be possible to deal with grievances received after this date in the Pension   Adalat  - 2012.

Issued by 
Chief Personnel Officer 


       OF THE  LAST POST HELD             :
       THE SERVICE                       :
       STAFF/TICKET NO & ANY           
       Address for Correspondence : 
  Contact No: (Phone /  Mobile No.)               

Monday, October 22, 2012

Massive Dharna by Bharat Pensioners Samaj at Janter Manter New Delhi on 11.10.2012-Read Memorandum submitted to the Prime Minister

E.mail IDs of Important office bearers of Bharat Pensioners Samaj

Dear all,
Following are the e.mail addresses of Important office bearers of Bharat Pensioners Samaj

Official e.mail address of Bharat Pensioners Samaj : bharatpensioner@gmail.com

President :  Shyam Sunder e.mail : bps.shyamsynder@gmail.com 
Secy Genl : S C Maheshwari email: pensioner77@yahoo.com

Secy (Postal & Ors) : M Chandra Mowli: e.mail: chandramowlim@yahoo.co.in 

Secy (Defence) : Onkar Singh Riar: onkar.riar@yahoo.com   

Secy (Rly Pensnrs) Bimalendu Chakraborty : bimalendu1947@yahoo.in ,

Secy (BSNL/PSUs);Shreepad V Deshpand: svd.pensioners@yahoo.com 

Asstt Secy Genl : K L Malhotra: krishna.malhotra69@gmail.com 

Harchandan Singh V.P.(North): harchandan_chd32@yahoo.co.in 

Somasekher Rao-manchalla  V.P (South) : ssrmanchalla@gmail.com ,

J. Narayana. Rao Rao V.P.(West) :   jnrao36@rediffmail.com

R.N. Dutta, V.P (East)                 :   rudrani_iijt@yahoo.co.in

D.Jayaraman, Editor 'Bharat Pensioner' monthly Magazine of BPS   
                                                                                      : jayaramanbps@gmail.com

A.K.Vatta Secy (PR):   kumarvatta@yahoo.co.in

Er.S C Maheshwari
Former DEN C.Rly.
Secy. Genl. Bharat Pensioners Samaj

Websites :                         www.bharatpensioner.org 
Blog:            :  http://scm-bps.blogspot.in/     

Phone                                          91124 2302262                          
Fax                                   91124 2300423
 Mob :                              09868488199
e.mail:                             pensioner77@yahoo.com 
490A/16 Gurudwara Road

Saturday, October 20, 2012


Pensioners get bonus 10 days before Durga Puja
KOLKATA: For the first time in 15 years, 4 lakh state government pensioners received Puja ex gratia ten days ahead of the Durga Puja. They had been receiving the bonus either right before the Puja or after it, for over a decade now. The ex gratia amount has also been increased to Rs 900 from Rs 800 last year.
A finance department official said quick disbursement of ex gratia was possible because of the electronic clearing system and decentralization of drawing and distribution officers (DDOs) at multiple locations. "We have also increased the amount to Rs 900 from Rs 800 last year. Till 2010, it was Rs 400. This is not a big amount but a token gesture. We had to spend just Rs 4 crore extra for this," the official said.
The move has made retired employees happy. Aloke Haldar, a former PWD employee who retired in 2009, said, "For the past few years, we used to get the money just a day before Puja or even after it. This year I can buy a saree for my wife with the money."
Another retired employee Mangalmoy Ghosh has already bought a kurta for himself with the money. "We welcome this initiative of the Mamata Banerjee government," Ghosh said.

Wednesday, October 17, 2012

Dr. Mala Kapur Shankardass * talk at Bharat Pensioners Samaj

Dr. Mala Kapur Shankardass * talk at
Bharat Pensioners Samaj      
( Federation of All India Pensioners' Association affiliated to IFA) 

 57th Annual Conference, 12th October, 2012, T N Bajpayee Memorial Hall, 12, Chelmsford Road, New Delhi, India.

* Dr. Mala Kapur Shankardass is a sociologist, gerontologist, health and development social scientist. She is into academics, research, activism, consultancy and writing. She works at both national and international levels. She holds the Asia Chair of International Network for Prevention of Elder Abuse (INPEA), an international NGO in consultative status with United Nations and working in 68 countries across all the continents. She is also Founder and Managing Trustee of Development, Welfare & Research Foundation (DWRF), through which she advocates for older persons rights and works for and with senior citizens. She is on the Expert panel on ageing issues with different agencies of the United Nations and national bodies. She is also involved with gender, health and development concerns. She Chaired the Sub Committee on Gender for the Committee for the formulation of the revision of the National Policy for older persons. She can be contacted at LittleThingsMatter@gmail.com and through postal address D – 104, Anand Niketan, New Delhi 110021, India.    

Namaste and Good afternoon, Respected Senior Citizens, Distinguished Guests, Members of the Bharat Pensioners Samaj, Ladies and Gentlemen.

I am extremely happy to join all of you in your 57th annual conference. I am honored to be invited to this large all India gathering. It is such a pleasure to see so many of you assembled here today, coming from all parts of the country. It speaks volumes about your commitment to your organization. Congratulations on the success of Bharat Pensioners Samaj stabilizing itself year and after year. I have been following your successful path with great pride. I hope your issues and demands are resolved at the earliest and your dharna yesterday on 11th October at Jantar Mantar, New Delhi went off well. My request to you is to please submit your charter of demands to the Planning Commission, who are these days busy preparing the 12th Five Year Plan, so that many of your concerns are addressed by the government in the new development plans being framed.

Much is talked about retirement planning and all of you belonging to different regions of the country, through your organization are doing a great job to highlight different aspects of retirement and especially of pensions. I am impressed by your annual reports, and other regular publications, it all reflects of the sincerity and the dedication of each one of you and more so of the various office bearers to the cause.

I am grateful to Mr S. C. Maheshwari, for extending the invitation to me to be the Chief Guest at today’s function. He asked me to speak on elder abuse issues and related matters. Given the short time of 10 minutes, I will try to cover some aspects of it.

Elder abuse and neglect is a growing concern and of intergenerational interest. Both the young and the older generation have to work together to avoid it. Since a large majority of those present here today belong to the older generation, I will touch on the issue from their perspective and interest.

In a family set up, the beginnings of elder abuse and neglect start with dependency of older people on the younger family members. Whether it is financial dependency or physical or psychological or any other form, it is generally the cause or the basis on which abuse starts in a family situation. Most people try to financially plan for their retirement, but do not plan for ‘retirement living’, that is for living their life in the later years. Money matters and finances as part of retirement planning are an important aspect of old age, but later years are much more than finances, they need to be managed in many other ways. With increasing longevity ‘retirement living’ thus is an important aspect of everyone’s life which needs adequate attention and careful planning. Proper management of retired living, of later years also reduces the risk of elder abuse and neglect. Planning and management of these years is all about how you want your life to look like in old age.

Health is an important part of later years, but while remaining healthy must be a goal through the life course for all of us, retirement living is about going beyond health. Successful retirement living is about attitude to old age, all about productive ageing, it is finding purpose in life beyond 60 years and most importantly keeping all your resources with yourself and utilizing them appropriately as per need.

Based on my experience of working on old age issues and with older people, my advice to you is that during your life do not give away your resources – your property, your assets, your valuables to the younger generation. These should be passed on only after death. Why do most people give away their resources to their children during life is because many have the attitude that they do not need them in later years. But remember, old age is a celebration, every phase of it, each year of life must be enjoyed and lived. Each and everyone person has the right to live their life with autonomy and dignity. This is only possible if your resources are within your hand. If you have property, or pension, or wealth from assets, it is for your use, for you to enjoy your old age and benefit from it. Yes, you can willingly share it with your children, but only use part of it, do not ever give it away totally. Let the children live with you but let it not be the other way, that is you live off your children, do not become dependent on them.

Also, importantly, use your time for yourself. Find time to do activities that you enjoy, if it is grand children caring, doing work for your adult children – do it as an enjoyment, as a responsibility, but never as a burden. Resist it if forced on you. Do activities which give you a purpose in life and which suit your health and well being. Let your children realize that you have a life of your own. You are entitled to do what you wish to do, as much as the adult children like to do things as they desire. Be involved with activities of your choice and express your likes and dislikes, but do not be rigid, uncooperative and stubborn. Be amicable so that children can respect your individuality, your special contribution to their life and to your own well being.

Do keep your mind sharp. Be vigilant of any financial fraud or misdeed. Be careful with financial dealings as your children could be party to over looking your financial interests. Be aware of your bank dealings, of signing documents and important papers that concern you. It is necessary that your children should be impressed with your intellectual abilities. They should know that they can not fool you in any financial or other matter. Your mind should be alert to all that involves you in any way. It is said about the mind - ‘use it or lose it’. So you need to keep your intellectual stimulation always alive. Keep yourself busy and involved with whatever you enjoy doing. Take an interest in your life, in your activities. You should keep busy with voluntary work, you are lucky if you have paid work, be involved with hobbies, mind games, brain work, always have something to do, even relaxing and taking life easy should be stimulating. Don’t let life defeat you.

It is important to be connected with people. Research indicates that people who develop friendship and keep them in old age, live longer, healthier and happier. Also contact with the outside world, with your sincere friends safeguards you against abuse. Children feel threatened by close contacts of their ageing parents. If they know that you can talk against them and about their bad behavior with others, with relatives, siblings, friends, that they will be under scrutiny, they will resist being abusive. Don’t fear them, if they do anything wrong to you, stop them immediately, right in the beginning. Show them you will not tolerate any misbehavior or mistreatment. Do not accept defeat and become helpless. Your friends, siblings and other contacts can keep a watch on you and consequently a check on your children and others who may abuse or neglect you. Keep your spirits high.

Life changes that come with retirement living can be challenging, but your attitude plays a big part on how you will find your happiness. Discuss your problems with your well – wishers, solutions are always there. Take matters is your hands and do not be without hope. Your life is precious, do not let it stagnate and rot. Each year has to be lived. It is rightly said – Add life to your years. Be your engine driver and work towards living a life free of abuse and neglect.

I wish all of you success in your endeavors to live a full, happy, healthy and productive life with dignity and respect.

Thank you for your patient hearing and for this wonderful opportunity to be with all of you. Do stay in touch. I seek your blessings in my work and initiatives. Join me in my tag line Little Things Matter, be the change for your well being.       

Visit BPS Website:  www.bharatpensioner.org            

From the desk of Secretary General

               (Kindly Help us to serve you better)

Dear Affiliates &Members,

I am thankful for the confidence you have deposed in me by unanimously electing me as the next Secy. Genl. Of this great organization.
I am aware of weaknesses & know certain issues need urgent attention .I shall make all out effort to live unto your expectations.
How ever,to enable Federation head office to concentrate  on policy and other issues of general importance,  it is felt necessary to share workload with other office bearers. Besides Zonal Vice Presidents who represent the President BPS in their respective Zones, BPS has four Secretaries i.e. Secretary Railway, Defence BSNL/PSU, Secretary Civil i.e. Postal & other C.G.Civil Pensioners .All the incumbents of these posts are very experienced & competent  persons. BPS constitution  authorize departmental secretaries to take-up individual grievances & to directly write to the concerned authorities. You are therefore, requested to henceforth send individual grievances directly  to department wise Secretaries. Who will either process your grievance online through CPENGRAMS or by referring it to the nodal Ministry .
However, to enable speedy processing of individual grievances, it is essential to provide  following details on the proforma given hereunder :
b. Last designation
c. Name of office with complete address, division & zone  from which retired, include the designation of controlling officer  
d. year of retirement & type of retirement.
e. No. of PPO with particulars of its issuing authority.(attach Xerox copy of PPO)
f. Present Full address, Contact No. Mob/Land line,
g. mail address if available.
h. Post held at the time of retirement (and scale of pay)
i. If pension has been sanctioned, Type & quantum may be specified.
j. The particulars of Pension Disbursing Authority with account No                             k. Representations/Correspondence done so far: Attach supporting documents.
l. Summary of your representation brief and short in not more than 150 words.
Kindly note that w/o complete information it may not be possible to process your grievance. 
However, Affiliates may refer to Federation HQ : Policy issues/cases needing clarification or modifications of orders.
Also,Secretaries & vice presidents after action & filtering at their level may refer cases to headquarter if deemed necessary.

Friends,Working of Pensioners’ Federation is entirely different than that of recognized Trade Unions.Pensioners  Federations do not have any negotiating tool, here we have to bank more on persuasive management &opinion building. Legal battles are too costly moreover. Legal fight  alone cannot always help us. Though may have to be resorted to at times, even then it has to be backed by the struggle in field which include opinion building through Rallies , Dharnas, Websites &other social media  etc which  need support of sister organizations also .Thus in my opinion instead of Legal fighting fund we need a Struggle fund to cover connecting activities. Thus through this communication I seek your approval to rename existing Legal fighting fund as “Struggle fund”

Secy. General Bharat Pensioners Samaj
Logon to: www.bharatpensioner.org