important document indian service and ex- service men

8/2/2019 Important Document Indian Service and Ex- Service Men

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BROCHURE

2010 EDITION

USEFUL AND IMPORTANT INFORMATION

FOR

RETIRED/RELEASED SERVICE OFFICERS

AND

THEIR NEXT OF KIN

BROUGHT TO YOU BY BRIG RK KOHLI (RETD)


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Note : To be printed on the

(Inner page of front cover)

COMMANDMENTS OF HAPPINESS

1. Speak to people - There is nothing as nice as a cheerful greeting.

2. Smile - It takes 72 muscles to frownonly 14 to smile.

3. Call people by name - Every one is pleased when you remember their

names.

4. Be friendly and helpful - And others will respond in a like manner.

5. Speak and act - As if everything you do were a genuine pleasure.

6. Be genuinely - Interested in people.

7. Be generous - with praise, cautious with criticism.

8. Be considerate - With feelings of others, it will be appreciated.

9. Be thoughtful - Of the opinion of others, there will be three

sides to any controversyyours, the other

persons and the right one?

10. Be willing - to give service, what counts most in life is what

we do for others.

11. Never argue - With your wife.


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DEDICATION

This brochure is dedicated to

The

Army Ordnance Corps


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PREFACE

TO THE 2010 EDITION

1. The first Edition of this Brochure was released in December, 1998 by Lt Gen B K N

Chhibber, PVSM, (Retd), the then Honble Governor of Punjab and Chief Administrator, UnionTerritory of Chandigarh. About 150 copies of the Brochure were printed by kind courtesy of

Lt Gen GL Bakshi, PVSM (Retd) and Late Lt Col AB Singh (Retd), Sigs and distributed to all

members of the 9th JSW and Affiliate Courses Association.

2. During April/May 1999 Lt Gen SK Bhatnagar, PVSM, AVSM, the then DGOS & Senior Col

Comdt very kindly volunteered to publish and distribute copies of the Brochure to all retired AOC

Officers and their next of kin/widows. This involved printing and distribution of approximately 1400

copies, which was a tremendous and commendable effort. An update of the Brochure as on 1st Sep

1999 was also published in the Oct 1999 issue of Ord Talk. Lt Gen SK Bhatnagar, PVSM, AVSMonce again kindly consented to publish and distribute the next Edition of the Brochure, which was

released in December 2000 at the Seventh AOC Reunion. In 2005 Lt Gen TA DCunha, PVSM, ADCthe then DGOS & Sr Col Comdt very kindly agreed to undertake the publication and distribution of

2000 copies of the revised 2005 edition of the brochure. He also very kindly arranged for the release

of the 2005 Edition at the Eighth AOC Reunion.

3. Keeping up the excellent tradition of the Army Ordnance Corps, DGOS & Senior Colonel

Comdt has very kindly consented to publish and distribute this revised edition of the Brochure for

which I am personally grateful. It is due to such magnanimity that copies of this Brochure have

been provided free of cost so far to every one.

4. There was a tremendous and heartening response from a large number of Officers who received

the earlier editions of the Brochure. Demands for copies of the Brochure were also received from a

large number of retired officers from other Arms & Services and duly met. Some suggestions werealso received which have been incorporated in this Edition.

5. The HELPCALL family of Som Vihar has continued to function well . It is hoped that friendswho have received the Brochure in other areas/stations are making efforts to start similar self help

ventures for mutual aid.

6. The information given in this Brochure has been collected and collated from various sources

and is as accurate as possible. However, it will need to be updated from time to time. Any

suggestions for improvement are most welcome and will be appreciated and may be sent to the

undersigned.

7. Armed Forces Veteran Officers Association, Chennai and Arun Vihar Residents Welfare

Association, Noida very kindly asked for my consent to use the information in this brochure for

their own publication, Lt Col PK Jawa from Noida , the author of Post Retirement Guide for

Officers has also acknowledged using the information from the Help Call brochure. However someother organizations and individual have picked up the information in this Brochure and used it

verbatim in their own Brochures, without any acknowledgment or mention of the source. While

plagiarism is to be deplored, the basic purpose that important information should get widely

disseminated, has been indirectly achieved.


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8. The information in this Brochure is also available atwww.aocreunion2010.comas well as at

Ordnance website on Army Intranet on

http://ord.army.mil/aocnew/Resources/ResourcesMenu.aspx?RS=MiscllaneousFiles .

[Brig R K Kohli]

Convener Help CallB-705, Som Vihar

Dated : 08 December 2010 R K Puram, New Delhi-110022

Tele : 26196039, 26197299

Mobile No - 09971586606
http://www.aocreunion2010.com/http://www.aocreunion2010.com/http://www.aocreunion2010.com/http://www.aocreunion2010.com/


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LIST OF CONTENTS

S.No Subject Para No

1. Medical Treatment 1-3

2. Ex-Servicemen Contributory Health Scheme 4-8

3. Medical Entitlement for Ex-Servicemen Non Pensioners 9

4. Financial Assistance for Medical Treatment-Non Pensioners 10

5. Assured Decent Last Rites Scheme 11

6. Army Group Insurance Fund 12-13

7. GIC Mediclaim Insurance 14

8. Cancer Insurance 15-17

9. Emergency Identification 18-20

10. Blood Donation - Ambulance Services 21-25

11. Documentation with AGs Branch MP-5(b) 26

12. Policy of Platinum/Demise Grant 27

13. Restoration of commuted amount of Pension 28

14. Execution of WILL, Probate and Succession 29-37

Certificate

15. Living Will 38-42

16. Organ Donation 43

17. What your Spouse/NOK should know 44

18. Sale and Disposal of NSP Weapons and Exemption from 45

payment of fee for Arms License

19. Reverse Mortgage 46

20. Payment of Pension to Joint Bank Account with 47-48

Spouse

21. Precautions to be taken incl Earthquakes 49-52

22. Help for Funeral arrangement from Corps/Regt/Unit 53-54

23. Immediate Action in case of death 55-58

24. Procedure for claiming service benefits by 59-70

widow including NRIs

25. Obtaining of Canteen facilities 71

26. Legal Assistance 72

27. Benefit/concessions by State Governments/Others 73-75

28. Concessions for Sr Citizens 76

29. 6th Pay Commission Report

(a) Pension 77-78

(b) Dearness Relief 79-80

(c) Fixed Medical Allowance 81

(d) Reckonable Emoluments 82

(e) Additional Pension to Old Pensioners 83

(f) Recording of Date of Birth of Spouse 84-87

30. Nomination for payment of Life Time Arrears 88-89

31. Fourth Pay Commission-Anomaly in Pay Fixation 90-93

32. Quotable Quotes 94


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LIST OF APPENDICES

Ser No Appendix Subject Para No

1. A Application for Medical Entitlement Card

Annexure 1 to Appendix A

9

2. B Extended Life Insurance Cover after

RetirementAGI

13

3. C Payment for Platinum/Demise Grant 27

4. D Restoration of Commuted Pension 28

5. E Specimen Will 31(b)

6. F Suggested format of Living Will 42

7. G Specimen Form for Pledge for Organ

Donation

43(a)

8. H Application Form for Opening Joint Saving

Bank Account for Pension

48

9. J Specimen Letter for Intimation of death of

Officer and Bank Manager (PDA) for Payment

of Family Pension

58-59

10. K Application Form for Pension for Widow

MPB-501

59(c)

11. L Application for Change of Club Membership 58(g)

12. M Letter To Income Tax Authorities For Tax

Returns

58(m)

13. N Specimen letter to Rajya/Zila Sainik Kalyan

Board for Widow Identity Card

58(s)

14. O Grant of Special Family Pension to Widows

who re-married before 01 Jan 1996

67

15. P Details of Pension/Family Pension for Pre 01

Jan 2006 Cases-Officers

77

16. Q Details of Pension/Family Pension for PBOR 77

17. R Rate of Dearness Relief 79

18. S Notification of Date of Birth of Spouse for

Additional Pension-80 Years and above

85

19. T Nomination for Payment of Life Time Arrears 89

20 U Quotable Quotes 94


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INFORMATION FOR RETIRED/RELEASED OFFICERS

AND THEIR NEXT OF KIN

Medical Treatment

1. As one grows older, the availability and affordability of good medical treatment, is becominga cause of concern. The entitlements and alternatives are discussed in succeeding paragraphs.

Medical Care Of Ex-Servicemen (ESM)Pre-April 2003

2. While in service all ranks of the Armed Forces and their eligible dependents were entitled to

full and free medical treatment. However, ESM were, on retirement, only entitled to a medical

allowance of Rs. 100.00 per month for purchase of medicines or in lieu could avail free out-

patient, treatment in service facilities. Limited inpatient facilities, after paying hospital stoppages,were also provided, mostly as a welfare measure, and were subject to numerous restrictions and

stipulations. Such treatment did not cover major diseases. Moreover in non Military stations a

pensioner had to make his own arrangements. The problem of overloading of the service

Hospitals/MI Rooms due to the requirements of ESM pensioners was further compounded in 1998,when Non-Pensioners were also authorized to get limited medical facilities in Service facilities(subject to certain conditions). Retired service pensioners lacked a comprehensive Medicare scheme,

as available to their counterparts in the Central Services. This was a cause of great dissatisfaction of

the ESM and their Next of Kin. This resulted in a number of appeals, petitions and even a Public

Interest Litigation being filed in the Supreme Court on 09 May 1999 by the Confederation of Ex-

Servicemen Associations.

3. To provide some relief to ESM pensioners a privately funded Medical Benefit Scheme

(MBS) was introduced in Apr 91 under the Army Group Insurance Fund and a similar one by the Air

Force in 1993. However, these catered for high cost treatment for specified diseases and also had a

ceiling on the costs. More over only the members of the schemes were eligible for such benefits.

Ex Servicemen Contributory Health Scheme (ECHS

4. As a consequence of the above, a Medicare scheme for ESM Pensioners called the Ex-

Servicemen Contributory Health Scheme (ECHS) was finally sanctioned on 30 Dec, 2002, to

come into effect from 01 Apr 2003. ECHS is a comprehensive scheme of medical care of ESM

pensioners and their eligible dependents/next of kin, settled any where in the country and covers all

diseases including cardiac, cancer, renal, joint replacement and many others. This was to be achieved

through a network of 227 Polyclinics and empanelled Service/Civil hospitals. It was planned that all

the Polyclinics will be established and other arrangement made by Mar 2006. The scheme would then

take another two years (upto 2008) to refine and fine tune their functioning. The scheme is wholly

financed by Govt of India from Public funds, through the Army budget, with marginal contributionsfrom retiring and retired service pensioners, varying from Rs. 1800.00 to Rs. 18,000.00.

5. However due to a tremendous increase in the ESM, in 2010 approx 119 additional polyclinics

have been sanctioned. Also to cater for some outlying areas where the ESM population is less than

2500, some Mobile Polyclinic have also been planned.

6. All service personnel (eligible for pension) retiring wef 01 Apr 2003 and their entitled

dependents will automatically and compulsorily become members of the ECHS. For those who

retired prior to 01 Apr, 2003 or their widows/family pensioners, becoming a member of the ECHS

was voluntary/optional. Those who do not join the scheme will continue to get Rs. 100/- pm as

medical allowance and will continue to avail limited medical facilities as hither to fore. However,

they shall not be permitted to use any ECHS facility. The option of joining the ECHS was to beexercised latest by 31 Mar, 2008 when the option to enter the scheme will terminate. Members of the

ECHS and their dependents are issued Smart Cards which have to be produced for availing treatment

facilities. As such they are advised to carry the smart card at all times. At present ECHS beneficiaries

when moving to another station temporarily, need to take an authorization letter from the designated

dependent polyclinic from drawing medicines at the new station. In order to obviate this requirement,


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the ECHS has planned to issue upgraded ALL INDIA cards to the existing members. The cost ofeach upgraded card will be Rs 135/-. Please contact your designated Polyclinic/Stn HQ/Regional HQ

for further details and procedure to be followed.

7. Since ECHS is in the initial stages, a number of changes to rules of emergency treatment,

referral procedures, issue of medicines etc are likely to be made from time to time. The existing

Referral Policy of Direct Referral to empanelled facilities is working satisfactorily in Non MilitaryStations. However, in Military Stations the referral to Empanelled facilities is only available once the

Service Hospitals give non availability certificate of treatment facilities/bed space. This is creating

avoidable problems for an ESM patient who is sent from one place to the other. The other problem is

that the Polyclinic function only between 0800 hrs to 1600 hrs except Sundays and Gazetted

Holidays. What happens to the patients outside these timings and days? Frequent changes of the

Empanelled Facilities also creates avoidable confusion for the ESM, since in an Emergency, theydo not know, where to go. You are advised to contact your local Polyclinic/Station HQ/Regional

Centre for any personal complaints/queries or at the ECHS Website:

www.indianarmy.nic.in/arechs.htm.

8. Refund of Contribution to ECHS. As per the direction/judgment dated 22nd

Aug 2006

passed by Honable Supreme Court the ESM who retired prior to 1st Jan 1996 were exempted frompayment of contribution for becoming members of ECHS scheme. This is contained in Govt of India,

Ministry of Defence letter No 17(10)/06US(WE)/D(res) dated 13 Apr 07. However, inspite of

repeated reminders the Govt of India have not yet issued any orders for refund of the contribution

already made by ESM who retired prior to 01 Jan 1996.

VETERANS ABOVE 75 YEARS WILL BE ATTENDED OUT OF TURN AT THE

RECEPTION, FOR CONSULTATION AND FOR ISSUE OF MEDICINES

AT THE POLYCLINICS

Medical Entitlement For Non Pensioners

9. As a result of a change in definition from Ex-Service Pensioner to Ex-Servicemen vide AO8/98, Non Pensioners and their families are entitled to limited medical facilities in the nearest MH.

This is subject to obtaining Medical Entitlement Cards from AGs Branch (MP 5 & 6) in terms of AO10/97. The Medical Entitlement Cards will be in two Parts and will have to be carried/produced by

the individual when reporting to the Service Hospital for treatment. Part II will be validated by

Station Headquarters, once every 3 years, after the initial issue. For further details AGs Branch /MP5(b), Army HQ, West Block III, RK Puram, New Delhi-110066 (Tele No. 26195669) may be

contacted. Specimen application form is at Appx A and Annexure 1 to Appx A

Financial Assistance For Medical Treatment

10. All Ex Servicemen who are not members of any medical scheme including AGI, AFGI andECHS and suffering from serious diseases, are given financial assistance by the Kendriya Sainik

Board for treatment in civil hospitals, in case they cannot be treated in MHs and have not availed of

similar assistance from other sources. For details and updated amount, please contact either the office

of the Regional Sainik Board or HQ Kendriya Sainik Board, West Block IV, RK Puram New Delhi-

110066 (Tele 26192361-62).

All Ex-Servicemen and widows who are in receipt of pensionary benefits of any kind and are

entitled to become ECHS members, are Not eligible for the above financial assistance from the

Armed Forces Flag Day Fund with effect from 31 Mar, 2004.

Assured Decent Last Rites Schemes (ADLRS).

11. This is a voluntary scheme where in an ESM/NOK are required to register themselves with

the ADLRS office located in the dependent CSD Canteen. They will be assured of an HonableFuneral. The ADLRS staff will assists in organization of Decent Last Rites. An expenditure upto Rs

2500/- can be made by the CSD Canteen Staff besides laying a wreath on behalf of the COAS.

Alternately Rs 2500/- will be paid to the family/NOK. In case NOK is unable to inform the staff of
http://www.indianarmy.nic.in/arechs.htmhttp://www.indianarmy.nic.in/arechs.htmhttp://www.indianarmy.nic.in/arechs.htm


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ADLRS before the funeral the amount can be claimed subsequently from the dependent CSD

Canteen by providing proof of the death within a reasonable period. (Auth : B/45322/174-2005/VIP

REF/AG R&W-1 dated 26 May 2006).

Army Group Insurance Fund

12. One of the best things to have happened in the Army was the creation of the Army GroupInsurance Fund (AGIF). It is an efficient and well run organization, where everyone is extremely

sympathetic and prompt in providing assistance. There is continuous effort to improve the benefits

for the members. The organization provides benefits as given in succeeding paragraphs.

13. Extended Life Insurance Cover After Retirement. All extended Insurance (EI) cover

certificate holders of the AGIF who retired prior to 01 Apr 94 (started for eligible officers retiring

after 01 Jan 1981 and JCOs/OR after 01 Apr 81) were covered for a period of 15 years from the date

of retirement or 70 years of age, which ever is earlier, without amending the certificates already

issued. In case of officers who have retired after 01 Apr 94, the period of cover was 20 years or 70

years of age, which ever is earlier. W.e.f 31 Dec 2004 the benefit was increased to Rs.4 lakhs with

period amended to 75 years of age or 25 years from the date of retirement, whichever is earlier. This

has now been further improved with EI cover of 6 Lakhs and age of 75 year or 26 years from date ofretirement whichever is earlier wef 30 Jun 2009. A detailed letter from AGI Bhawan is attached at

Appx B.

General Insurance Corporation (GIC)For Non Pensioners

14. Even though some assistance is available from the MH or Kendriya/Rajya Sainik Board for

some specified fields of treatments, there can be so many situations, where the cost of treatment can

be prohibitive. To provide for such an eventuality, it is advisable for all Non Pensioners , to take a

Mediclaim Insurance Policy cover for themselves and their families. Due to recent liberalisation,

such cover is now available up to the age of 80 years. A number of schemes are now available. The

premium amount is calculated on the basis of age and amount of insurance cover. Premium amount

upto a maximum of Rs 15,000/- (Rupees Fifteen thousand only) is fully deductible, from the incomefor the year, under Section 80 D of the Income Tax Act (Rs 20,000/- for Senior Citizens).

Cancer InsuranceFor Non Pensioners

15. Cancer is a dreaded disease. Besides being agonizingly painful, the cost of its treatment is

frighteningly high. Prudence demands that everyone should provide for a such a large financial

contingency, which God forbid, may arise in ones lifetime. Even if one may be already coveredunder a Medical Insurance Policy, such a cover may not be sufficient for long term treatment and also

where the monetary limit is exhausted. A number of schemes are available which provide once-in-

life-time payment for treatment of cancer. Outline details of two schemes in Delhi are given below:-

(a) Indraprastha Cancer Society & Research Centre

Q-5A, Jangpura Extension

New Delhi - 110 014

[Telephone No 011-24319572, 24314907]

A one time donation of Rs 7,000/- for self and Rs 6,000/- per person for additional members

of the family provides for treatment of full life. For further details contact the above Society.

(b) Dharamshila Cancer Hospital & Research Centre

Dharamshila Road, Vasundhara Enclave

Delhi - 110 096

[Telephone No 011-22617771 to 22617775]

16. The above centre is running a scheme known as Cancer Rahat Yojana. Under the scheme a

donation of Rs 7,000/- covers a person for a sum of Rs 2 Lacs. The cover goes upto Rs 10 lacs for a

donation of Rs 35,000/-. Spouse and dependents can become members at concessional rates.

However, certain terms and conditions are required to be met at the time of submitting application.


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Those diagnosed for Cancer prior to becoming member are not eligible to join the Scheme. For

details contact the above Society.

17. The amount donated by the Donor for cancer insurance is exempted from Income Tax to the

extent of 50% under Section 80-G of Income Tax Act, 1961, for the above schemes. Similar schemes

may be available in Hospitals near your place of residence. A perusal of the list of hospitals on the

approved list of Army Group Insurance Fund can be of help. A deliberate effort to get cancerinsurance cover will definitely be worthwhile.

Emergency Identification

18. While helping a person involved in an accident, rescuers look for any mark of identification

and anything which says In case of emergency, call so and so. Many people carry that, butdoctors on the scene wish that people should carry medical ID Cards as well. Such cards display

major medical information which the ill or injured person may not be able to convey. Lack of

information leads to a waste of time which is crucial when it is a matter of life or death.

19. Consider the possibilities : A epileptic who goes into a daze before a fit can be mistaken for a

drug addict. A woman who is not so obviously pregnant may get treatment that affects the baby. Layrescuers sometimes ignore a person in a diabetic coma as drunk. Even contact lenses can damage the

eyes if left for long on an unconscious person. If doctors are unaware that the victim is a heart patient

taking anti-clotting drugs, they may not be able to stop his bleeding. A person with a penicillin

allergy may die if it is given during an emergency. The possibilities are scary.

20. A simple home made emergency card can prove to be life saver. All you need to say is

Your name and address, * In case of emergency call............, *Present medical problems.............*Drug Allergies............, *Medicines taken regularly............, *Blood Group....... . Retired persons

may also include *PPO No. and ECHS Card No. Always keep this card with you in your

wallet/purse. A Sample card is shown below:-

SAMPLE CARD

IMPORTANT DATA

PPO No ............................................ ECHS Card No...............................

My Name....................................................................................

My Address.& Tele No................... ..........................................

..................................................................................................

In case of Emergency, call.......................................................

My Present Medical Problems are .... ......................................

................................................................................................

I am allergic to ......... ..............................................................

Medicines taken regularly .....................................................

..............................................................................................

My Blood Group is .............................................................

Blood Donation

21. If you are planning to undergo surgery, your best safe guard against infection is to be your

own blood donor. This procedure known as Autologus Transfusion ensures that patients do not

face any risk of getting any diseases through donated blood that may be contaminated. However, foremergencies, always keep handy an updated list of prospective and willing blood donors. This is

particularly important for those having Negative (-) blood groups like B (-) or AB (-), etc.


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22. A large number of serving and retired AOC pers have settled in various parts of the country.

The Dte Gen of Ord Services strives to render all possible help for donation of blood to the serving

and retired officers, and PBOR of the AOC. This SOP has been issued to streamline the arrangements

of BLOOD DONATION to both serving and retired officers, and PBOR of the Corps.

23. The responsibilities for blood donation to the serving Officers and PBOR will rest withOrdnance units to which they are posted. However, the detailed responsibilities for blood donation for

both serving and retired offrs and PBOR are elucidated below :-

Ser

No

Category Responsibility

(a) Serving Officers(OS Dte), Retd

DGs OS and Col Comdt, Retd Lt

Gens, and Retd Offrs who are

Gallantry award winners (VrC

and above).

COD Delhi Cantt in case of Officers

residing in and around Delhi and a

Ordnance unit to be nominated by MG

AOC Command concerned in the case

of Officers residing outside Delhi.

(Contact Numbers 011- 25693411)

(b)

Retd Officers of the rank of MajGen and Brig.

CVD Delhi Cantt in case of Officersresiding in and around Delhi and

Ordnance unit to be nominated by

MG AOC Command concerned in case

of Officers residing Outside Delhi.

(Contact Numbers :- 011-25693401,

011-25693421

(c)

Retired Officers upto the rank of

Col.

OD Shakurbasti in case of Officers

residing in and around Delhi and



of Officers residing Outside

Delhi.(Contact Number 011-25291181)

(d) Retired PBOR. CASD Delhi Cantt in case of PBOR

residing in and around Delhi and a



of Outstation PBOR. (Contact Number-

011-25691608)

(Authority : Dte Gen of Ord Services, Army HQ New Delhi letter No C/25413/BD/OS-

10A(iii) dated 03 Apr 2006)

Ambulance Services

24. All major hospitals have ambulance services to cater for emergency evacuation. The charges

vary from one hospital to the other and also depends on the type of service provided (with or without

physician and nurse accompanying the ambulance). Always keep the Emergency Telephonenumbers of the hospitals of your choice handy, for use in an emergency.

25. In an extreme emergency, where time is of essence and where arrival of an ambulance

or other help is likely to be delayed, Do Not Wait. Call a taxi from the nearest taxi stand and

go to the hospital. The taxi driver can even help you if required. This may save your life.

Documentation

26. Please inform/get in touch with AGs Branch, MP5(b) for the following :

(a) In case of officers getting married after retirement CDA(P) is also to be informed for

endorsing the name of wife on the PPO for family pension benefit. AGIF should also be

informed for change of nomination for Extended Insurance Policy and the ECHS for

amendment to ECHS card.


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(b) Amendment of Medical Entitlement Certificate.

(c) Change in permanent address occurring after retirement.

(d) Counting of Army Service towards pension.

(e) Issue of Air/Rail Travel Concession Cards applicable to winners of gallantry awards,permanently disabled officers who have been invalided out of service or war widows and so

on.

(f) Any type of certificate/information pertaining to the officers family/personal/ service

particulars.

(g) For issue of Corr PPO by CDA(P) for recording the Date of Birth of spouse for

payment of Additional Family Pension to old Family pensioners (Age 80 Years and above).

Note: All records are destroyed by AGs branch MP 5(b) as well as by CDA (O) after expiryof 15 years from date of retirement. As such, you are advised to preserve your copies of the

necessary documents for future use.

27. Payment of Platinum/Demise Grant : Army Officers Benevolent Fund.

(a) All retired officers are eligible to receive the Platinum Grant of Rs.50,000/- on

attaining the age of 75 years. However, in case the retired officer passes away before

attaining the age of 75 years, his NOK is entitled to the receive the same amount as

Demise Grant from AOBF. An application as per AppxC is to be sent to AOBF, for

the Platinum Grant. Also connect with Para 70.

(b) While the platinum grant amount of Rs 50,000/- is subject to income tax, the

Demise Grant paid to the Widow is exempted for the same.

(c) Payment will be made on the following sliding scale based on number of years of

Commissioned Service :-

Ser No Commissioned

Service as an Officer

Amount in Rupees

(i) Below 5 Years Nil

(ii) 5 to 10 Years 12,000/-

(iii) 10 to 15 Years 25,000/-

(iv) 15 to 20 Years 38,000/-

(v) 20 Years and more 50,000/-

Restoration of Commuted Portion of Pension

28. Armed forces personnel who have commuted the admissible portion of their pension are

entitled to have the commuted portion restored on expiry of 15 years from the date of retirement.

Each pensioner is required to apply on the form as per Appx D to the Pension Disbursing

Authority/Bank/Post Office who will restore the commuted portion of the pension as mentioned in the

Pension Payment Order (PPO) and will also pay the arrears, if any.

Execution ofWill

29. Will is a legal expression of disposal of ones possessions as per his/her wishes after theirdeath. If a person dies without making a Will, it is termed as INTESTATE. The Will isgoverned by Indian Succession Act 1925. Also refer to Army Order 4/91. There are two types of

Wills - General Will and Privileged (Special Rights) Will. A Will executed by a Servingsoldier, airman or naval person, is called a Privileged Will and is, usually, not questioned by Law.


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A person making a will is called a Testator. Only execution of the General Will is being discussedin succeeding paragraphs.

30. Why to make a Will

(a) It is never too early to execute a Will and every one is advised to do so at the

earliest.

(b) When an individual gets married/ remarried he should consider executing a Will infavor of his wife.

(c) No one should be compelled to make a Will if for any reason, he is not inclined todo so.

(d) On the death of an individual, if no Will is made i.e. Intestate then theindividuals properties are equally distributed amongst his or her heirs. In such a case the

individuals spouse or unmarried children or an ailing relative is likely to suffer unintendedfinancial loss.

(e) Provident fund, Gratuity, LIC claims etc are generally nominated. However, the

nominated person is entitled to receive the amount only on behalf of the rightful heirs, who

will ultimately not get these amounts if the same is not specifically stated in the Will.

(f) House or other immovable properties, even if held in joint names, the same can be

claimed by other heirs unless it is specifically so mentioned, in the Will.

(g) Even if there is only one heir and no Will is made, other relatives can stake claimon the properties by taking advantage of the provisions of law. In some cases even the sole

heir is called upon to prove his or her bonafides in the court of law.

(h) More often than not, the Will is the only tool to ensure proper and dignifiedtreatment in the old age.

(j) There are many occasions in ones life, when one feels highly obliged towards someone in particular or one feels like giving a helping hand to some individual or a social

organisation or even for a religious cause. One of the best ways to give expressions to your

feelings is to allocate a suitable asset through the medium of your Will.

(k) On occasions, if all the offsprings are not enjoying the same financial status, asuitable balance can be sought through the medium of the Will. Even for a disabled childadequate provision can be made through the Will.

(l) Every lady can and she should make a suitable Will of her possessions as per herdesire. Particularly, the ornaments and other household items are considered as STREEDHAN or the Ladys Wealth and the lady is free to dispose off the same as per her wish.

31. Attributes of a Will

(a) A Will should be clear-cut, unambiguous and precise.

(b) The Will should not have been made under duress.

(c) No stamp paper or stamp duty is required. Plain white paper and preferably black

pen should be used.

(d) There is no special style or word phrasing necessary, but the language should be

unambiguous. Mostly the Will is drafted by persons who have little knowledge of law andoften have little command over the language. In such cases, it is better to consult a solicitor.


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(e) As far as possible the Will should be self written in own handwriting and signed.The illiterates should place left hand thumb impression on the document.

(f) If the person making the Will is sick, the same should be signed in the presence of aDoctor. A suitable certificate from the doctor stating that the individual making the Willwas in full control of his faculties and capable of conscientious thinking while signing the

same, should be endorsed on the Will.

(g) The signing of the Will should be witnessed and signed by at least two individuals,recording their names and addresses. The witnesses, as far as possible, should be younger in

age than the person making the Will and should not be beneficiaries of the Will.

(h) It is not compulsory to register the Will. There is a provision for registration of theWill either by the Testator (maker of the Will) or by the person nominated as the executorof the Will and there is no time restriction for the same. The main advantages of registeringthe Will are, that the same is considered authentic and if the original is lost, then a certifiedcopy of the same can be obtained from the Registration Office. Another advantages is that

those seeking mutation, in case of registered Wills will no more need to avail No

Objection Certificates from other legal heirs of the property. A sealed envelope containingthe copy of the Will is to be handed over to the Registration Office for safe custody. Ondemand of a copy, the envelope is opened and the Will is first copied in the register. Acopy of this document, duly certified, is then handed over.

(j) The Will can be changed or modified by the maker at anytime. However, if a new

document is made or a correction slip is attached (called a CODICIL) the original formalities

must be followed. In the case of a new document, it should be clearly stated that, This

Will supersedes the earlier Will made on - (date). In absence of such a mention the newWill may be considered as void.

(k) To ensure that the arrangements made in the Will are properly carried out, a person

or a bank may be nominated in the Will as the Executor of the Will. Suitableremuneration for the Executor and his expenses should be catered for in the Will.

(l) Format of a specimen Will is attached at Appx E

32. What can be Willed.

(a) All the properties acquired from own earnings e.g salaries, business, investments,

shares, provident fund, gratuity, LIC claims etc qualify for disposal as per ones Will, andthe same cannot be challenged by the heirs.

(b) As per Hindu law, a Hindu lady is the bonafide owner of the immovable properties inher name in addition to all the ornaments and household goods received by her from her

parents, her husband, her in laws etc and is free to dispose off the same as per her own desire.

(c) An individual generally Wills his entire possessions to his or her spouse on death.Properties gained through hereditary rites are liable for equal distribution to the direct heirs.

It is convenient to mention details of such properties as well as the direct heirs in ones Will.

(d) When some self acquired properties are held in joint names, the portion of the

properties owned by an individual can be disposed off through the Will.

(e) It is convenient to attach a detailed list of the entire belongings, with the Will. It is

inevitable that such a list will undergo certain changes in due course of time. A suitablemention of action to be taken in such an eventuality can be incorporated in the Will.


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33. When the Will can be Declared as Void

(a) If it is established that the Will itself or some portion of it has been written underduress.

(b) If there is over writing and changes which are not authenticated by the maker of the

Will and the witness.

(c) If the Will is not duly signed by the witnesses.

(d) If the provisions made in the Will are impossible to comply with or not legal or arederogatory to social harmony.

Obtaining a Probate of Will

34. Probate means to determine judicially the validity of a Will and is granted by a DistrictJudge when a Will exists. For this, the person in whose favor the Will is made or the executor ofthe same must make an application to the District Judge of competent jurisdiction in accordance with

Section 264 of the Indian Succession Act, 1925. The District Judge, in turn will send a copy of theapplication to the Judge in whose jurisdiction the late Testator had fixed residence. In order to obtain

Probate ofWill, there are two legal requirements. Firstly, to establish in the civil court of law, thatthe Will in question had been made voluntarily and signed by the deceased Testator in the presenceof independent witnesses, and secondly, to ascertain that there was no subsequent Will executed bythe deceased. To establish the first requirement, those who have signed as witnesses are required to

appear in the civil court and give evidence to authenticate the Will in question. Once this is done,the court promulgates notice in Govt. Gazette and local newspapers, to whom it may concern, to

produce before the court within the given period, any Will, if held by any one claiming to be madeby the so named Testator. When the Will in question is not contested by any other member of thefamily, a Probate ofWill is issued by the court. In case witnesses to the Will have predeceased or

are not traceable then the nominees have to obtain succession certificate for claiming the estate of the

deceased. If the Will is registered with the Registrar/Sub Registrar, it obviates the requirement ofpresence of witnesses to appear before the Magistrate to authenticate the Will and obtaining ofprobate ofWill is made easier.

35. In case of a Will made by a Hindu, Sikh, Jain or Buddhists, probate is mandatory forimmovable properties situated in West Bengal, Pondicherry, Chennai and Mumbai. Probate is not

necessary in other states of India especially so if the will is a valid registered document. However if

the court has to issue a decree against a debtor of the testator (Insurance Policy or a bank deposit),

probate of the Will is essential. However if no executer is appointed in the Will the question of

grant of probate does not arise. Further, non-registration of a Will does not come in the way ofobtaining a probate.

Obtaining of Succession Certificate

36. Succession in legal language means the order in which or the conditions under which one

person after another succeeds to property, dignity or title. Application for grant of a succession

certificate is required to be made to the District Judge. The Petition is said to be signed and verified

by or on behalf of the applicant in the manner prescribed by the Code of Civil Procedure. The

Petition must contain the date and time of death of the deceased, the ordinary residence of the

deceased at the time of his death and if any such residence was not within the local limits of the

jurisdiction of the judge to whom the application was made, then the details of the property of the

deceased within those limits. In addition, the petition should also contain the details of the family or

other near relatives of the deceased and their respective residences, the right in which the claim and

the debts and the securities in respect of which the certificate is applied for. On receipt of thepetition, the District Judge shall fix a day for the hearing and cause notice of the application and of

the day fixed for hearing. On the day fixed for the hearing, the District Judge shall proceed to decide

in a summary manner the right to the grant of certificate. When the judge decides that the right to the

properties belong to the applicant, he shall make an order for the grant of certificate to the person


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A Word of Caution

37. (a) The existence of pin holes in a Will is likely to give rise to a inference that somedocuments were attached to the Will and thus may create difficulties at the time of provingthe Will and obtaining a probate in a court of law if and when the necessity arises. All aretherefore advised in their own interest not to pin or tag the Will executed by them. It should

also be ensured that a certificate is given in the Will that no attachments exist to the Will.In case the details of properties (movable/ immovable) are many, specific mention of such

attachments should be made in the text of the Will.

(b) Of late a tendency, to treat the parents/elderly dependents with a degree of

callousness and contempt, is becoming rampant in our society. It is therefore, advisable

for the Testator to make full provision for life for total financial independence for self

and spouse while executing the Will.

Living Will

38. Many friends and colleagues have asked me to frame some guidelines on what they can do to

safeguard their interest while they are still alive.

39. Rapid advances in medical science have given longevity to human beings through improved

diagnostic techniques and treatment procedures. However, in many cases old age, which is never

isolated from sickness, is a problem by itself. With the concept of Nuclear families becoming therule, old people, who in the Joint family system could expect to be looked after by other members,

now have hardly any one that they can bank upon to look after them. Moreso when they are living by

themselves and are isolated.

40. A Will made under the Indian Succession Act, 1925 caters for the distribution of assetscreated by the Testator, after his death. However what happens, when the person is still alive, but has

little or no control over his faculties. Euthanasia as a concept of painless exit is still being debated in

societies all over the world. Perhaps a clear cut answer, which is morally, legally and ethicallyacceptable, may never be found.

41. To cater for such a situation, that is till death, it is felt that making a separate Will calledLIVING WILL could be considered. This Will should include all the wishes/desires of the personand how he would like these to be carried out, when he is unable to do so himself, till his death. This

LIVING WILL, only relates to person himself and will not have any effect on the Will madeunder the Indian Succession Act, 1925.. The contents of the LIVING WILL should be known to theimmediate family members or in their absence to close friends since they will be needed to execute

the provisions of the Will. Such a Will should preferably be witnessed by the spouse and by atleast one child (son/daughter) or a close friend and kept with them.

42. A suggested format of the LIVING WILL is attached at Appx F. Changes in the formatmay be made to suit your own particular circumstances. Legal/Medical advice, if considered

necessary, may also be obtained before finalizing the LIVING WILL.

43. Organ Donation

(a) Organ donation means gifting someone a life. When one donates an organ, it

means a pledge, during their lifetime, that after their brain death, their organs can be

transplanted to help terminally ill patients, giving them a new lease of life. For a human

being, there can be no action more noble than to volunteer to become a organ doner. So

please volunteer at the earliest. For further details contact ORBO (Organ Retrieval

Banking Organisation), AIIMS, Ansari Nagar, New Delhi 110029. Tele No. 26593444,26588360 or call 24 hrs Help Line Tele No. 1060. Army Hospital (R&R) and other

Service Hospitals can also be contacted for details/guidance. The form of pledge for

organ donation used by Army Hospital (R&R) Delhi Cantt is enclosed as Appx G.


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(b) Where the offr or his spouse have pledged to donate their organs, immediate

action should to taken to inform such organization in case of death. The eyelid should be

closed and the body should be kept in a room where the fan and cooler have been

switched off and if possible the Air Conditioners have been switched on.

What Your Spouse/NOK Should Know

44. You might have made enough money to make your family comfortable for the rest of their

lives, but will they get what is rightfully theirs. Have you ever bothered to think what would happen

to your family after you have departed from this world. In modern life matters are not as simple as

they should be. Every aspect needs a document, a written statement. May be you do have them, but

where are they? Are they easily accessible? Even the educated and working ladies generally do not

take any interest in financial matters. They take pride in saying that my husband looks after

financial/bank matters. Please tell your Spouse/NOK where/how to locate and to operate the

following while you are alive. Also prepare a file containing all letters which are required to be sent

by the widow/NOK to various authorities, with all columns completed less date and cause of death

being left blank. The widow should be able to only fill these blank columns, date the letter , sign and

post the same. Separate envelopes duly addressed should also be attached with each letter. This action

will be of immense help to the widow in her time of grief.

(a) Your Will(b) Details of Bank Accounts and BANK LOCKERS (including key number)(c) Bank/Post Office Accounts and lockers should be in joint names. Facilities of nominationshould be availed. Nominee should be other than joint operators.

(d) Fixed Deposits should be held jointly. Date of payment of interest as well as of maturityshould be noted in a Diary or on a calendar for timely action.

(e) Cumulative Time Deposits of Bank/Post Office, PPF etc. Pass Books should be got updatedregularly.

(f) Birth Certificate.(g) Motor car/scooter papers and insurance papers for these.(h) Income Tax/Wealth Tax files.(j) Policy filesLIC, GIC, Health/Mediclaim/Fire/House-hold Accident etc.(k) Pension Papers, if superannuated.(l) Property filesReal Estate, Flat ownership etc.(m)

Property Tax papers.

(n) Telephone file first original Bill, where in rent equivalent to twelve months has beenretained as security, should be preserved.

(o) Deposit receipts for Gas/Electricity/Water etc.(p) Passport, Driving License, Identity Card, ECHS Card, Canteen Smart Card, Sainik BoardEx-Serviceman Identity Card, Club/Institute membership cards etc (photo copies thereof to be

kept separately).

(q) Medical file including relevant test reports and medicines taken regularly.(r) Share certificates, their allotment advise for ascertaining capital gains.(s) Rent papers (Receipts, Lease document and any related correspondence).(t) Pending litigation papers and court decision, if any.


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(u) Details of loans, if any, taken for House-building/purchase of car etc and their repaymentschedule.

(v) Details of CREDIT CARDs with dates of validity.(w) Any other matter of interest to your family/NOK.Note :- It is essential to train your Spouse/NOK to be able to deal with above mentionedmatters individually and independently or with the help of some friend or relative in whom

she has faith. As a matter of policy, it is better to have all the relevant documents in

joint names.

45. Sale and Disposal of NSP Weapons and Exemption From Payment of Fee for Grant

or Renewal of Arms License .

(a) NSP Weapons.(i) Serving/Retired Officers, JCOs and Serving Class I Civilian Gazetted

Officers are entitled to purchase NSP weapons ex-Ordnance as per SAO 4/S/2006.

Entitled persons will be allotted only one NSP weapon during his entire serviceincluding post retirement period. Any officers/JCO who has been convicted under

Army Act or those who are below 21 years of age will not be entitled for allotment

of any NSP weapon. The weapon will be allotted by Standing Allotment Committee

and approve by the MGO. Application for allotment of NSP weapon should be fwd

to IHQ of MoD (Army) (OS-15A).

(ii) Resale of NSP weapon will be governed by Army Act 1959, Chapter II with

prior sanction of the Standing Allotment Committee. NSP weapon purchased ex-

Ordnance will be sold at reasonable rates to entitled persons as given in (i) above. If

sanction to sell/transfer as mentioned above is not accorded by the Standing

Allotment Committee, the weapon will be returned to COD Jabalpur by the

allottee under information to the Civil Licensing Authority.

(iii) On demise of an Individual the legal heirs of the deceased weapon

holder may apply to the Standing Allotment Committee for retention of the

weapon as family heirloom on sentimental reasons. If sanction for retention is

not granted, the weapon will be returned to COD Jabalpur.

(b) Under the provisions of GSR-993 dated 13 Jul, 1962, notified by Govt of India,

Ministry of Home Affairs, Ex-Servicemen (who are entitled to wear the uniform on special

occasions as per Defence Services Regulations) are exempted from paying fees for grant or

renewal of Arms License, for certain specified categories of weapons (along with

ammunition). So do check with the concerned local licensing Authority and avail of thisconcession. Also do carry your Ex-Servicemen Identity Card as well as a copy of the Pension

Payment Order (PPO) for verification, if required.

Reverse Mortgage .

46. If the retired officer owns a property and lives in it, the banks offer what is known as

Reverse Mortgage to maintain dignified living style. That is the bank will pay the officer a regular

monthly (income tax free) amount for his life time. This cumulative amount will not be recovered

from the offr or his spouse at any stage till their demise or till they vacate the property. The bank will

recover the dues either from the legal Heir or by disposal of the said property. If interested, please

consult your bank for more details.

Pension Payment To Joint Bank Accounts With Spouse Allowed.

47. Government has decided to permit credit of pension to a joint account operated by

pensioners. This will be with his or her spouse, in whose favor an authorization for family pension

exists in the Pension Payment Order (PPO). The joint account of the pensioner could be operated


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either by Former or Survivor or Either or Survivor basis subject to the certain terms andconditions. They are as follows:

(a) Once pension has been credited to a pensioners bank account, the liability of theGovernment/Bank ceases. No further liability arises, even if the spouse wrongly draws the

account.

(b) As pension is payable only during the life of a pensioner, his/her death shall be

intimated to the bank at the earliest. This is to be done within one month of the demise, so

that the bank does not continue crediting monthly pension to the joint account even after the

death of pensioner. If however, any amount has been wrongly credited to the joint account, it

shall be recoverable from the account and/or any other account held by the pensioner/spouse

either individually or jointly. The legal heirs, successors, executors, etc., shall also be liable

to refund any amount, which has been wrongly credited to this account

(c) Payment of Arrears of Pension (Nomination) Rules 1983 would continue to be

applicable to this account. This implies that if there is an accepted nomination in accordancewith Rules 5 and 6 of these Rules, arrears mentioned in the Rules shall be payable to the

nominee.

48. Existing pensioners desiring to get their pension credited to a joint account, are required to

submit an application to the branch bank, from where they are drawing their pension in the devised

form, copy attached at Appx H.

(Authority Govt of India, Ministry of Finance, Department of Expenditure, Central Pension

Accounting Office OM No. CPAO/Tech/Amendements/Sch. Book/2005-06/69 dated June 9,

2005.)

Precautions to be taken for Safety .

49. It is suggested that older persons, specifically those staying alone should observe thefollowing precautions :-

(a) Get police verification of your domestic help done. Also keep a photograph and

finger prints of your servant.

(b) As far as possible, avoid employing foreign nationals as it is difficult to verify them.

(c) Install a Magic Eye and door chain on the entrance door. Instruct your servants notto open the door without your permission.

(d) A stranger could mean danger. Do not let in strangers, even for a glass of water.

(e) Verify over telephone, the genuineness of strangers, who drop in with a relativesreference.

(f) Be in regular touch with neighbours and relatives.

(g) Preferably install an alarm system to alert neighbours in an emergency.

(h) Avoid any unnecessary show of wealth.

(j) Avoid employing unknown persons as masons, carpenters, painters, plumbers etc.

Treat with suspicion, their reappearance without being called.


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Action in Case of Earthquake

50. Before an Earthquake

(a) Keep a torch, a portable transistor radio, and some eatables eg. Chocolates or biscuits

in a handy place.

(b) In your home, keep corridors clear of furniture and toys.

(c) Attach shelves, gas cylinders, vases, and flowerpots etc. to the walls.

(d) Place heavy or bulky objects on the floor or the lowest shelves.

(e) Every family member should know how to switch off the electricity, water and gas

supply.

51. During an Earthquake

(a) Keep calm, do not rush to the doors or exits, never use the lift, and keep well awayfrom windows, mirrors, chimneys and furniture.

(b) Protect yourself by staying under the lintel of an inner door, in the corner of a room,

under a table or even under a bed.

(c) If you are in the street, walk towards an open space. Keep away from buildings,

electric wires and slopes.

(d) If you are driving, stop the vehicle away from buildings, slopes, electric wires and

cables and stay in the vehicle.

52. After an Earthquake

(a) Keep calm, switch on the transistor radio and obey any instruction that may be

broadcast.

(b) Turn off water, gas and electricity.

(c) Expect aftershocks.

(d) Do not smoke or light any matches nor turn on any switches. Use a torch.

(e) Try to put out a fire, if any, if you cannot, call the fire brigade.

(f) Avoid places where there are loose electric wires and do not touch any metal objects

in contact with them.

(g) If people are seriously injured, avoid moving them unless they are in danger. Await

rescue teams and also tell them if you know about any people buried in the debris.

(h) Eat something. You will feel better and more capable of helping others.

(j) If your home is badly damaged, you will have to leave it. Collect water containers,

food, any ordinary and special medicines (for persons with heart complaints, diabetes etc.)

Help For Funeral Arrangements From Corps/Regt/Unit

53. A number of Arms and Services have framed instructions for rendering all possible help for

the funeral of the retired officers and PBOR. Army Ordnance Corps have issued formal instructions

and delineated responsibilities as follows:-


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(a) Officers Residing in and Around Delhi(i) Retd DGs OS and Col Comdts, - Dir OS Coord/OS Dte,

Lt Gens and Gallantry Awards IHQ of MoD(Army)

winners, (VrC and above). Tele : 011-23019146/47

(ii) Retd Officers of the Rank of Maj Gen - COD Delhi Cantt

and Brig. Tel : 011-25693411

(iii) All Retd officers up to the Rank - CVD Delhi Cantt

of Col. Tel : 25693401

25693421

(iv) Retd JCOs and OR. - OD Shakurbasti

Tel : 25291181

(b) Officers Residing Outside Delhi(i) Retd DGs OS and Col Comdts - Under Corps arrangements

Lt Gens and Gallantry Awards by the nearest Ord unit to be

winners, (VrC and above). Coordinated by the respective

MGAOC Command.

(ii) Other Retd officers and PBOR - By a unit nominated by

respective MGAOC Command.

Note :- In case of officers having served in any of the depot at Delhi or their ex Comdt, the wishes of

the relatives of the deceased offrs will be considered prior to nominations of the depots for conduct of

Last Rites of the deceased. (Auth :- Dte of Ordnance Services , MGO Branch letter No

25413/Funeral/OS-10A(iii) dated 12 Nov 2002).

54. Information about the death may be communicated by the family members/friends of the

family or by the designated unit to the DGOS/OS 14 (Tele No. 011-23019146/47), ADGOS (CN&A)

(Tele : 011-23012165) and OS-10-A(iii) (Tele: 011-23019309). Details of the officer, address of the

next of kin and likely date time and location of the funeral should be intimated to designated

authorities as mentioned in Sub para (a) and (b) above. Necessary help for settling the dues of the

deceased will be provided by Dir OS (Adm) in case of Retd Officers and nominated Ord unit in case

of PBOR. In addition to the above Death/Demise Grant out of the AOC C&W fund will be paid as

follows :-

(a) Demise Grant For Retd AOC Offrs. In case of death of a retired AOC Offr, a

sum of Rs 4000/- is paid to the NOK in lumpsum. This amount is paid by OS-14 for offrswho reside in Delhi and NCR and for others, it is paid by AOC Centre.

(b) Death Grant For Serving AOC Offrs. In case of death of a serving offr, a sum of

Rs 18000/- is paid to the NOK by AOC Centre Secunderabad. This amount is paid in 12

installments @ Rs-1500/- per month.

Immediate Action to be taken by family / friends.

55. (a) If the deceased had registered with a Organ Retrieval Banking Organization

(ORBO) for donation of organs, they should be informed immediately to do the needful.

Also see Para 43.

(b) Inform relatives and friends.

(c) Decide the time, date and place where funeral is to be done and inform allconcerned including the local unit responsible for providing assistance in organizing funeral

services, for necessary action.


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(d) Obtain Death Certificate from the Hospital/Attending Doctor or a Registered Medical

Practitioner.

(e) Arrange a vehicle/Hearse for carrying the body.

(f) Arrange material required for the cremation.

(g) Obtain a cremation certificate from the cremation ground authority.

(h) The certificates mentioned at (d) and (g) above are to be submitted to Municipal

Authorities (Registrar of Births and Deaths) for issue of the Death Certificate.

Note : Please check and ensure that there are no spelling or other mistakes in the death

certificate. All details must be correctly recorded.

PLEASE OBTAIN AT LEAST 25 TO 30 OR MORE COPIES OF THE DEATH

CERTIFICATE FROM MUNICIPAL AUTHORITIES WHO MAINTAIN REGISTER OF

BIRTH/DEATHS. THE WIDOW/ NEXT OF KIN SHOULD ALSO GET ABOUT 30 COPIESOF THEIR PHOTOGRAPHS DULY ATTESTED.

Actions after the Funeral

56. Even though death is inevitable, our families and we are least prepared for such an eventuality. In

most cases the Widow/Next of Kin do not know what should be done to get the dues and avail of

other benefits. Officers are advised to maintain a file on Action to be taken with details duly filledin and explained to the Next of Kin, so that they can initiate correspondence to avail of the under-

mentioned entitlements :-

(a) Family pension.

(b) Army Group Insurance Fund Benefits under extended insurance scheme (If

applicable).

(c) Army Officers Benevolent Fund.

(d) Canteen facilities.

(e) Benefits (if any) from Regimental/Corps Funds.

(f) Benefits (if any) of Personal Accident policies issued with Medi Claim Policies, CarInsurance Policies, Household Insurance Policies, Credit cards etc.

57. Enhanced, special and liberalized benefits are granted only on application by the entitled and

Not automatically Even family pension is granted only on application by the widow/NOK. We mostly

accept what the CCDA (P) or PDA remits to our pension account without verification. Hence do

calculated and ensure that you have correctly received your entitlement of all dues since CCDA (P) or

PDA can also make a mistake.

Intimation of Death

58. Death of an Officer is to be intimated/informed at the earliest to a large number of authorities

as per the suggested list given below :-

(a) In the case of death due to an accident, lodge an FIR at the nearest Police Station at

the earliest. This will be required for claims on Insurance Companies as well as for

processing payment of compensation by the concerned authorities.


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marriage/earning more than Rs 3500/- per month. Now a days the PPO issued by CCDA (P),

Allahabad on retirement includes the joint photographs with spouse, name of the spouse

as well as family pension admissible in case of his/her death. In such a case the widow has

only to intimate the death of her husband to the Pension Disbursing Authority (PDA)

through a simple letter. This should be done at the earliest but not later than one month from

the date of demise of the officer. Copies of this letter should be endorsed to all concerned

authorities e.g CCDA (P), AGs Branch /PS 4( c), AGs Branch/ MP 5(b), AGsBranch/CW-8(AOBF), AGI, IHQ of MoD (Army) (Coord Section of Regt/Corps Concerned)

and Min of Def (Pen-C). A specimen letter is attached as Appx J. Based on this letter,

the bank is required to pay the family pension to the widow as indicated in the PPO, in the

Joint Account.

(b) Where the retired officer was drawing pension in a Joint Bank Account with his

spouse the widow can continue to draw her family pension entitlement through the same

account. The earlier requirement of opening a separate single account will not apply in such

a case.

(c) Where such an endorsement for entitlement for family pension does not exist in thePPO, the widow has to submit an application for family pension on Form No MPB 501 copyattached at Appx K to CCDA (P), Allahabad in triplicate through AG/MP-5(b) to enable

them to sanction the family pension. However, while awaiting formal sanction from

CCDA(P), Allahabad, the PDA will pay provisional pension to the widow in the single

account which the widow would be required to open, preferably in the same branch where

the officer had been drawing his pension. This account number is to be intimated by the

widow to the CCDA(P) as well as the PDA.

(d) Parents and brothers/sisters are not authorized ordinary family pension in case ofofficers who die as Bachelors.

(e) Ordinary Family Pension at Enhanced Rate In case the officer dies within 7

years of retirement or before completing the age of 67 years, the widow is paid familypension at Enhanced rate, which is double the rate of ordinary family pension as given above

for a maximum period of 7 years or till the officer would have attained the age of 67

years, whichever is earlier, subject to a maximum of 50% of the last pay drawn. With

effect from 01.01.2006 in case of death in harness, Enhanced Pension will be granted for 10

years.

(f) Ordinary Family Pension on Re-marriage. Wef 01 Jan 2006 Ordinary Family

Pension in case of childless widow will continue after re-marriage.

(g) Widows/war widows on re-marriage are authorized to continue drawing pension vide

Govt of India, Ministry of Defence letters No 08(i)2004/D(Pen-C) Dated 28 Jun 2005, letterNo 1(1)/2001/D(pen/Policy) dated 20 Jan 2009 and letter No 1(2)/97D(Pen-C) dated 31 Jan

2001. There will thus be no requirement of giving no-remarriage certificate to the bank for

drawing of ordinary family pension/special/liberalized family pension.

Grant of Family Pension for Life to Handicapped Children

60. A son or daughter of an officer, suffering from any disorder or disability of mind or

physically crippled or disabled, which renders him/her unable to earn a living even after attaining the

age of 25 years, is eligible for the grant of family pension for life, after the death of the Widow of the

Officer and where there are no other eligible children. The guardian should forward details of the

Handicapped child, to Army HQ/AGs Branch, MP5(b), West Block III, R.K.Puram, New Delhi as

follows:

(a) A Certificate from competent medical authority (not below to rank of civil surgeon)

specifying the nature of physical/mental disability and the degree of the disorder.


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(b) A certificate from the medical authority to the effect that the handicapped child is not

in a position to earn his livelihood.

61. AG/MP5(b) after verification of the details will forward it to CDA(P), indicating that the

details of the Handicapped child have been taken on records. The acknowledgement from CDA(P)

will be sent to the Guardian, who should preserve it for production at the time of consideration of

claim of family pension to the handicapped child

62. Dependents Pension Admissible in case of officers who die as bachelors on account of

causes attributable to service. The rate is 50%of the notional amount of special family pension that

would have been sanctioned to the widow had the officer been married. Dependent parents and in

their absence, dependent brothers/sisters are eligible for this pension.

63. Special Family Pension In cases where the officer was in receipt of disability pension at

the time of his retirement and the cause of the death is held related to or aggravated by the disability,

the widow is entitled to special family pension of 60% of the last pay drawn subject to a minimum of

Rs 7000/-per month.

64. Disability Pension.

(a) The officer who retires / is invalided out, for a disability which is accepted as

attributable to or aggravated by military service, is entitled to disability pension

consisting of service element and disability element. In case of officers retained in service,

disability element will be granted / continued if disability is assessed at 20% or more. Service

element will be continue to be paid subsequently irrespective of the percentage of disability.

However, in respect of invalided out officers disability pension will be paid even for

disability assessed less than 20%. Officers who have forgone lump-sum compensation

in lieu of disability element/war injury element at the time of their retirement/discharge

whether voluntary or otherwise will he paid disability pension in addition to Retiring

Service Element / Gratuity. Disability Pension consists of disability and service element as

defined below :-

(i) Disability Element of Disability . Liberalized Pension. For pre 01 Jan

2006 retirees, the rate of disability element is as given below for 100% disability.

Disability element is proportionately reduced depending upon the percentage of

disability. No disability element is admissible in case the disability is less than

20% except in case of invalidment wef 01 Jan 2006.

Ser No Rank Amount per

month

(aa) Commissioned Officers and Honorary

Commissioned Officers of three

Services, MNS, TA and DSC

Rs 5,880/-

(ab) Junior Commissioned Officers and

equivalent rank of three services, TA

and DSC

Rs 4,300/-

(ac) Other rank of three services, TA and

DSC

Rs 3,510/-

(ii) War Injury Element of War Injury Pension . In case of Armed Forces

Pensioners who were invalided out /retired/discharged from services prior to

1.1.2006 and are in receipt of War Injury Element of War Injury Pension as on

1.1.2006, the revised rates of War Injury Element for 100% disability are as

given below. Where the disability of a pensioner is less than 100% the amount


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shall be proportionality reduced as per the degree of disability accepted and for the

period notified in the PPO.

Ser No Rank Amount per

month

(aa) Commissioned Officers and

Honorary Commissioned Officersof three Services, MNS, TA and

DSC

Rs 11,700/-

(ab) Junior Commissioned Officers and

equivalent rank of three services,

TA and DSC

Rs 8,600/-

(ac) Other rank of three services, TA

and DSC

Rs 7,020/-

(Auth: Govt of India Min of Defence Deptt of Ex-Serviceman Welfare, New

Delhi letter No 16(B) 2008(1)/D(Pension/Policy) dated 4 May 2009).

(b) Service Element. It consists of pension for service actually rendered i.e.

50% of last pay drawn subject to a minimum of Rs 3500/- per month.

(c) Entire Disability Pension i.e. Disability Element and Service Element of a

Disabled Officer is Exempt from Income Tax.

(Auth: Para 9(c) Part I of AGS Branch, Brochure on Terminal Benefits for officers on

retirement and NOK, Revised Edition Jan 2010).

65. Special Family Pension on Re-marriage of Widow. Special Family Pension which shallbe calculated at the uniform rate of 60 % of reckonable Emoluments irrespective of whether widow

has children or not on re-marriage of widow shall be regulated as follows :-

(a) Commissioned Officers.

(i) If she has child(ren) :-

(aa) If she continues to support - Full Special Family

children after remarriage Pension to continue to

Widow.

(ab) If she does not support - Ordinary Family

children after re-marriage Pension (OFP) equal to

30% of emoluments last

drawn to the remarried

widow. 50% of the

Special Family Pension

to the eligible children.

(ii) If widow has no children. - Full Special Family

Pension to continue to

widow.

66. Liberalized Family Pension .

(a) Admissible when death takes place during action in war, war like situation, CI Ops,

terrorist actions and battle inoculation exercises and is equal to last pay drawn for all ranks

for life. Liberalized Family Pension is admissible to the nominated heir until death or

disqualification. In case of the officer is not survived by widow but is survived by


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child/children only, the senior most eligible child shall be eligible for Liberalized Family

Pension at 60% of Reckonable Emoluments of deceased officer till his/her

death/disqualification, where after it will pass on the next eligible child.

(b) Dependent Pension (Liberalized) in Respect of Commissioned Officers

(including MNS Officers, TA Officers and ECOs/SSCOs). Where an officer dies as

bachelor or as a widower without children under the circumstances mentioned in (a) above.Dependent Pension (liberalized) shall be admissible to the parents without reference to their

pecuniary circumstances at the rate of 75% of Liberalized Family Pension for both parents

and at the rate of 60% of Liberalized family Pension for single parent. On death of one parent

dependent pension at the latter rate shall be admissible to dependant brother(s) and sister(s)

if otherwise eligible at the rate of 60% of LFP.

67. Grant of Liberalized Family Pension to War Widows who Re-married Before

01.01.1996 It has been decided to grant liberalized family pension (equal to reckonable emoluments

last drawn) to war widows who remarried before 1.1.96. The grant will be admissible from the date

of issue of Govt of India, Ministry of Defence, Department of Ex-Servicemen Welfare, New Delhi

letter No.8(1)/2004/D (Pen-C) dated 28.6.2005( Appx O) .

68. Simplification of Procedure for drawal of Pension/Family Pension in r/o NRIs. The

procedure of drawal of pension/family pension in respect of NRIs has been further streamlined. The

family pension as notified jointly in the PPO in respect of retired pensioners commence on production

of death certificate. Till now the family pensioners had to be identified in person by the PDO before

authorizing release of family pension. Instructions issued in Mar 2006 vide

PC/PN/7994/431/B/D(pen/Sers/06 dated 08 Mar 2006 exempt the NRI pensioners/family pensioners

settled abroad from personnel appearance at the time of first drawal of pension/family pension

provided the Indian Embassy/Mission abroad issues an identification certificate to that effect.

Army Group Insurance Fund Benefits

69. In case the officer had opted for and was covered under the Extended Insurance Scheme, theamount will be paid by AGIF on submission of an application as per AppxJ (Para 58 (b) refers).

Army Officers Benevolent Fund- Demise Grant.

70. No formal Application is required. Widow/NOK has to intimate death of deceased officer to

AGs Branch/CW8(AOBF), who after verifying the records/details will send an amount of Rs.50,000/- as Demise Grant. This will be based on the letter at Appx J (Para 59 refers). The demise

grant is exempted from Income Tax.

Canteen Facilities

71. (a) Widows of officers are entitled to avail of indigenous canteen stores less

specially allocated/short supply items. For this purpose, the entitled individuals are attached

to the nearest station/unit run canteen as convenient to Station HQ. Where smart Card have

already been issued to the spouse by the Canteen, action by Station HQ in such cases will not

be required.

(b) Widows of Officers including Hony Commissioned Officers are also authorized to

draw 3 bottles of liquor per month. The dependent CSD Canteen will issue the authorization

Card to the widow for this. (Auth : QMG Branch/CS Dte letter No 96129/Q/DDG CS dt

07 Oct 2008 refers).

Legal Assistance

72. This is being provided to the wives of serving personnel and widows in consultation with

legal Department of Army HQ. Similar facilities are also available at Command level.


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Benefits/Concessions Granted by Central/State Govts/Union Territories

73. In addition to pension and other benefits, widow/NOK of Ex-Service personnel have been

granted other concessions as given below:-

(a) Grant of Monetary Allowance attached with various post Independence Gallantryawards.

(b) Air Travel Concession by Indian Airlines Corporation to War Widows, Permanently

War Disabled Ex-servicemen and their families and Gallantry award Winners.

(c) Issue of Rail Travel Concession Cards admissible to War Widows and Indian Peace

Keeping Force casualties in OP PAWAN.

(d) Reservations for employment in various organizations.

(e) Quotas in educational institutions for children of Ex-Servicemen.

Note :- These concession/benefits are announced by various authorities by time to time Officers/NOK

are advised to keep in touch with the Zila Sainik Board for the latest status of these.

74. In order to assist Widows/NOK in the rehabilitation process, a number of Welfare schemes

have been initiated at the State level. Financial assistance for various contingencies is also available.

The benefits are available to the Widows/NoKs from respective States Govts/ UTs, who can be

approached through the nearest Zila Sainik board. Detailed information, where required, may be

obtained from AGs Branch MP 5(b) or Kendriya /Zila Sainik Boards.

Other Concessions

75. (a) Gallantry Awards Winners.

(i) The pension received by an individual, who has been in service of the

Central or State Government and has been awarded Param Vir Chakra or Mahavir

Chakra or Vir Chakra or such other gallantry award as the Central Government may,

by notification in the official gazette specify in this behalf, has been declared

exempt from income tax.

(Authority: Finance Act 1999Section 10(18) of Income Tax Act 1961)

(ii) The under mentioned gallantry awards have now been added to those

mentioned in sub para (i) above in the circumstances as mentioned in correspondingcolumn 3 thereof :-

TABLE

Sl No. Name of Gallantry Award Circumstances for eligibility

(1) (2) (3)

1. Ashok Chakra When awarded for gallantry

2 Kirti Chakra -do-

3. Shaurya Chakra -do-

4. Sarvottam Jeevan Raksha Padak When awarded for bravery displayed by them in

life saving acts

5. Uttam Jeevan Raksha Padak -do-6. Jeevan Raksha Padak -do-

7. Presidents Police Medal forGallantry

When awarded for acts of exceptional courage

displayed by members of police forces, central

police or security forces and certified to this effect

by the head of the department concerned.


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8. Police Medal for Gallantary -do-

9. Sena Medal When awarded for acts of courage or conspicuous

gallantry and supported by certificate issued to

this effect by relevant service headquarters

10. Nao Sena Medal -do-

11. Vayu Sena Medal -do-

12. Fire Service Medal for Gallantry When awarded for acts of courage or conspicuousgallantry and supported by certificate issued to

this effect by the last Head of Department

13. Presidents Police and FireServices Medal for Gallantary

-do-

14. Presidents Fire Services Medalfor Gallantry

-do-

15. Presidents Home Guards andCivil Defence Medal for

Gallantry

-do-

Authorities :- (Min of Fin Notification No 1156/F.No 142/29/99-TPL dated 24 Nov 2000).

(b) Some State Govts (e.g. Delhi) have exempted War Widows and Gallantry award

winners in Defence Forces from paying property tax on one self occupied residential

property. Special Rebate on Property Tax is also granted to ex-servicemen or their widows

by some states. Specific details can be checked from the respective Rajya Sainik Boards.

(c) Indian Airlines have extended 75% concession in fare to the recipients of pre-

independence (level I comprising Victoria Cross, George Cross and level II- comprisingDistinguished Service Cross, Military Cross, Distinguished Flying Cross and George Medal)

Gallantry Awards.

(Authority: AGs Branch DO letter No B/44612/AG/CW-3 dated 27 Jun 2001).

(d) The Ministry of Railways have extended the privilege of issue of first class/II AC

sleeper complimentary passes to recipients of Gallantary Awards and widows of winners of

Gallantary Awards They are eligible to take a companion with them in the same class.

(e) Gallantry Award winners, war widows and Disabled soldiers will be provided

telephones on priority through Non-OYT/special category. They would be exempted from

paying the Installation fee and he given 50% concession in normal rental charges.(f) Heart Patients, alone or alongwith upto one escort, are entitled to 75% concession on

fare in any class when traveling by train for heart surgery in a recognized Hospital and for

return journey also. A certificate issued by officer incharge of a recognized hospital on a

prescribed Performa is required to be obtained for this concession.

(g) Cancer Patients, alone or alongwith upto one escort, are entitled to 75% concession

on fare in any class when traveling by train for treatment/periodical check up in a recognized

Hospital and for return journey also. A certificate issued by officer incharge of a recognized

cancer hospital on a prescribed perform is required to be obtained for this concession.

(h) Thalassemia and Liver patientssame as (f) & (g) above.

Concessions for Senior Citizens

76. Senior citizens (those who are 65 years and above) have been given concessions by various

Govt. Agencies/Departments. Some of the important ones are listed below :

(a) Total exemption of income Tax on annual income upto Rs 2,40,000 as per Finance

Bill 2010/2011. Please update such exemptions annually based on the Finance Bill.


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(b) 30% discount on rail fare for all classes of travel ( In case of ladies who are 60 years

old and above).

(c) 50% discount on basic air fare by Domestic airlines (Sahara Airlines gives this

discount to persons who are 62 years old, or above)

(d) Club subscription for Senior Citizens : Some clubs either charge reducedrates or exempt Senior Citizens from payment of monthly subscriptions. Do check with your

club for this facility.

(e) Grand Citizen Award Serviceman : An Ex-Serviceman (Pensioner or non-pensioner) belonging to Delhi and registered with Rajya Sainik Board, on attaining the age

of 80 years will be given a one-time grant of Rs.5000.00 as Grand Citizen Award. Apply to

Secretary, Rajya Sainik Board, No.1 Rajpur Road, Delhi 110054 (Tele Nos. 23991876,23969260), on plain paper enclosing attested copies of the following documents :-

(i) PPO.(ii) Ex-Serviceman Identity Card.(iii) Proof of age, copies of service particulars /discharge certificate.

IMPLEMENTATION OF GOVERNMENT DECISION ON RECOMMENDATIONS OF 6TH

PAY COMMISSION

77. PENSION - Consequent to the implementation of the Government orders on the pension

for Pre 01.01.2006 retirees and their family pensioners the amount has been revised many times for

various ranks from those contained in Govt of India, Ministry of Defence and Deptt of Ex-

Serviceman Welfare New Delhi letter No 16(6)2008(P)/Pension dated 11 Nov 2008. Some changes

may still take place from time to time. The existing rates of pension and family pension are indicated

in Appx P. The earlier pension rates were related to pay of serving officers. However, in case of 6th

CPC the pension in most cases is not related to pay of serving officers. The rates of pension for the

officers are at Appx P are for service of 30 years and above. The rates of Family Pension are also

given in the same appx against each rank. The rates of Pension and Family Pension for the PBOR are

given at Appx Q.

78. The retiring pension for post 01 Jan 2006 is granted on completing a minimum qualifying

service of 20 years (15 years in case of late entrant). The linkage of full pension with 33 years of

qualifying service has been dispensed with from 01 Jan 2006. The retiring pension of commissioned

officers retiring/invalidated out on or after 01 Jan 06 will be calculated at 50% of emoluments last

drawn or average of reckonable emoluments drawn during last 10 months, whichever is more

beneficial. Post acceptance of 6th

CPC recommendation, weightage factors have been withdrawn.

Dearness Relief (DR).

79. Dearness Relief is payable on the Basic Pension at rates which are revised twice a year i.e.

on 01 Jan and 01 Jul. Since 1.1.96 the Dearness Relief rates for pensioners are at par with the

Dearness Allowance for the serving personnel. Dearness Relief

important document indian service and ex- service men

Documents