DoP&PW | Handbook for Retiring Central Government Employees

DoP&PW | Handbook for Retiring Central Government Employees

A HANDBOOK
FOR
RETIRING CENTRAL
GOVERNMENT EMPLOYEES

Government of India
Department of Pension and Pensioners’ Welfare
3rd Floor, Lok Nayak Bhawan, New Delhi-110 003
pensionersportal.gov.in
Doppw_india
@sankalp.DOPPW

December, 2019

Handbook for Retiring Central Government Employees – lauched by DoPT

TABLE OF CONTENTS

SI.No. Particulars
1 Eligibility for pension
2 When you can get pension
3 Classes of pension
4 Points for timely processing of pension papers/ claims
5 Road map/ time frame for processing the pension cases
6 Retirement benefits
7 Calculation of Retirement benefits
8 Family pension on death/discharge for NPS beneficiaries
9 How to claim pension
10 Interest on delayed payment
11 How Pension is paid
12 Redress of grievances
13 Non-pensionary retirement benefits
14 Fixed medical allowance
15 ANUBHAV
16 SANKALP
17 Disbursement of monthly pension
18 Payment of pension to All India Services (AIS) officers
19 Final payment of GPF to AIS officers
20 Payment of CGEIS accumulations to AIS officers
21 Payment of pension on becoming NRI after retirement
22 CGHS facility for pensioners
23 General
24 Indicative Table of pensione:ry any other dues payable to IAS officer retiring on superannuation (age 60 years) from apex scale (Level-17, pay Rs.2,25,000/-)
25 Appendix (containing payment procedure for AIS officers and Annexures-1, II and III)

A HANDBOOK FOR
RETIRING GOVERNMENT EMPLOYEES

WHO IS ELIGIBLE FOR PENSION?

  • A Central Government employee who joined in pensionable service prior to 01/01/2004
  • Contributory Provident Fund (CPF) beneficiaries in service on 01.01.1986 other than those who chose to continue under the CPF Scheme thereafter.
  • Temporary employees retiring on superannuation pension/ invalidation with not less than 10 years’ service qualifying for pension.
  • An employee who is dismissed or removed from service forfeits his pension.
  • Resignation from service entails forfeiture of past service.

WHEN CAN YOU GET PENSION?

    • Pension is payable on retirement after attaining the age of compulsory retirement (superannuation) or in advance of this age under certain circumstances.
    • Pension is also payable before the age of superannuation on voluntary retirement after rendering 20 years of qualifying service under Rule 48- of CCS(Pension) Rules or after attaining age of 50/55 years under FR 56(K) subject to other conditions aslaid down in the Rules.
    • Family pension is payable to an eligible family member on the death of an employee while in service or after retirement.
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CLASSES OF PENSION

Pension granted under CCS(Pension) Rules, 1972 can be:

    • Superannuation Pension
    • Retiring Pension
    • Invalid Pension
    • Compensation Pension
    • Compulsory Retirement Pension or Compassionate Allowance
    • Pension on absorption to a PSUI Autonomous body.

DOs FOR RETIREES FOR TIMELY PROCESSING OF THEIR PENSION PAPERS/CLAIMS

4.1 DURING THE SERVICE, RETIREE IS REQUIRED TO ENSURE THAT

        • His/her family details are kept updated
        • All Nominations are kept updated
        • Head of Office/ DDO has verified the service – no gaps in service
        • You are entitled to Certificate/s of Qualifying Service on completing 18 years of service and 5 years before retirement. This period is not to be reopened for assessment
        • Leave Record is kept updated

4.2 POINTS TO BE KEPT IN MIND WHILE FILLING UP THE FORMSON BHAVISHYA PORTAL

          • Choose your bank with caution – Please see your easy accessibility to the nearest branch of the Bank. This will be helpful as you grow in age.
          • Joint account with spouse is mandatory unless exempted by Head of Office. This is important while sanctioning of family pension after the death of pensioner, the spouse will not face any difficulty, as the process for switch over from pension to family pension is much easier.
          • Primary account holder should be the pensioner. If the spouse is primary account holder, the pension case will be returned by the concerned bank.
          • Name of all family members should be given to Head of Office in Form 3. Married sons and married daughters are also the part of family and the same should be mentioned in Form 3.
          • Option to get Pension Payment Order (PPO) through Head of Office instead of Bank can be exercised.
          • Address of communication should be properly indicated in the Form.
          • Mobile number /email should be updated in the system site. NIC/ GOV Mail should be mentioned as alternate Email and the Email other than NIC/GOV should be mentioned as primary mail.
          • Name in the bank account and service record should not be mismatched. For example, if the name in service record is Naresh Kumar Sharma, in bank account also it should be the same (instead of writing N .K. Sharma)
          • Photo uploaded/pasted by the retiree should be clear and as per the guidelines mentioned on Bhavishya. Selfie/ blurred photographs are not allowed.
          • Name and Date of Birth of family members should be correct and matched from the service records and other supporting documents such as educational certificate /Aadhaar Card/Driving license etc.
          • The retiree should consider appropriately before applying to avail the facility of CGHS/ FMA/CGHS (In-door) + FMA/ health facility of previous organization as well as spouse’s health facility.
          • Commutation of the pension is optional and therefore a subjective concept. The retiree should take decision regarding the commutation of pension asper his/her requirement.
          • Late submission of pension forms should be avoided. The Bhavishya system sends message to the retiree 8 months before the date of retirement; intimating the login Id and password. The retiree now requires filling his pension papers on Bhavishya system
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4.3 BASIC STATISTICAL RETURNS (BSR) CODE

          • It is mandatory to mention BSR Code of the Bank branch (where pension is desired to be credited) in the pension papers to enable CPAO to transmit the pension to pensioner’s bank account. The BSR codes of the respective banks are available on the website of CPAO (https://cpao.nic.in/Ministry/BSR.php)

4.4 WHAT IS BSR CODE AND ITS USE

          • Basic Statistical Returns (BSR) Code is a 7 digit code allotted by Reserve Bank of India (RBI) to all the registered Banks in India. The first 3 digits out of the 7 represent Bank name whereas the remaining 4 digits codify the branch of the Bank. BSR is a system to integrate the data relating to varous commercial banks and promote the filling of the same with RBI at regular intervals. It is used in 3 particular places:-
              • (i) When TDS/TCS returns are to be filled, BSR code is used in challan details and deducted details. This system is used to maintain records of the online payments and alerts the Income Tax Department about the payment through Banks.
              • (ii) BSR coded also assist any international tax authority to track the payment made by an individual to a foreign country.
              • (iii) BSR codes enable the senior citizens to receive pensions also.
          • Although both IFSC codes and BSR codes help uniquely identify a particular Bank branch, they are different in 2 ways. While IFSC is an 11 digit alphanumeric code, the BSR code consists of 7 digits. A IFSC code is used while making online money transfer through RTGS (Real-Time Gross Settlement Systems) and NEFT (National Electronic Fund Transfer), while BSR codes are used for filling online TDS/TCS returns or for easy distribution of pension among retired Government employee.
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Click here to view/download the “HANDBOOK FOR RETIRING CENTRAL GOVERNMENT EMPLOYEES” through pensionersportal.gov.in

[https://pensionersportal.gov.in/Document/Handbook_for_retiring_central_government_employees.pdf]

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