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Submission of 'Life certificate'.
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RBA_103_AC-II_2019
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S C judgement
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Letter regarding social media
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BPS64th AGM at New Jalpaiguri on 22.11.2019 BPS THREE THOUGHTS ( Shri S. Suryanarayanan, Patron, Bharat Pensioners Samaj)
The first and foremost is the need for all of us to speak in one voice. Speaking in multiple, differing and dissident voices only weakens our case and needs to be eschewed.
The second is our attitude and response to NPS. Almost all over the world, defined-benefit schemes of the type we are accustomed to are giving way to defined-contribution schemes of the NPS type. We cannot wish this away. Rather than fighting for the abolition of NPS, we should strive to see how best the long-term interests of all of us-the present and the future NPS pensioners and their families could be safeguarded.
The third is healthcare. The Central Government is lagging behind a number of State Governments in this regard. Many CGHS empaneled hospitals are turning away CGHS beneficiaries, not to speak of the new RELHS & CTSE card holders. The scheme/principle of referral only adds to the problems.It is high time we make all out efforts to get in place a unified healthcare scheme for all sections of Government pensioners- both Central and the State government/s.
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The Wire Staff The Wire Staff RIGHTSSECURITY 05/NOV/2019 New Delhi: News that the Army headquarters is in the process of finalising a code of conduct which its veterans will have to follow has met with open criticism from retired officers, who in the recent past have not minced words in hitting out against government, army and political practices. The plan to hold Army men and women to a set of rules even after they retire was disclosed by Lieutenant General Ashwani Kumar at a news channel appearance. Newspapers like Times of India and Telegraph have both revealed that sources had told them that the army was planning to have serving officers sign an undertaking promising that they would adhere to the code even after retirement. “But the code is still at the discussion stage…there is nothing final yet. Moreover, the Navy and IAF will also have to be consulted too,” a senior officer told TOI. In their report on a possible code for veterans, ThePrint has said that the Army Act covers only serving officers. Veterans are, therefore, not bound by it, even though they can retain their ranks after retirement. Once they retire, Army officials’ actions come under the Indian Penal Code. According to several reports, among veterans who have been critical of the purported move by the Army are Major General (retired) S.S. Chohan, Brigadier (retired) V. Mahalingam, Major (retired) Navdeep Singh and Colonel (retired) Ashok. More veterans are understood to have spoken to the above-mentioned news outlets under the condition of anonymity. Code of conduct for veterans won’t be legally binding: Army clarifies Downplaying the controversy which was triggered after former Adjutant General of the Army, before his retirement, said a code of conduct is under consideration, the Army clarified that if and when it takes shape it will only be in the form of an advisory. Abhishek Bhalla New Delhi November 7, 2019UPDATED: November 7, 2019 11:26 IST Officials said whatever code is made it will not be without proper feedback from the veteran community and they will be taken on board and their suggestions will be taken. (File image for representation) Code of conduct for veterans won’t be legally binding: Army clarifies
Army Mulls Code of Conduct for Veterans
The news has met with severe criticism from retired officials.
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C G Employees are suggested through e- mail or public grievance portal- Not Directly
CG Employees are suggested to communicate through e-mails or public grievance portal – Not Directly
All Central Government employees are strictly advised to send their application for the representation on any service matters should forward to higher authorities through proper channel only, not to directly.
DoE reiterates to avoid submission of representation to PM or Secretary directly
Central Government employees are advised to communicate through e-mails or public grievance portal for seeking redressal of their grievances.
The Department of Expenditure (Controller General of Accounts) published an OM regarding the subject of representation from Government servant on service matters on 19th November 2019.
As per instructions said in the OM, the provision of Rule 20 of CCS(Conduct) Rules 1964 prohibiting Government servants from bringing outside influence in respect of matter pertaining to his service matters. Violation of these instructions may be treated as unbecoming conduct on the part of Government servant and may attract the provision of Rule 3(1) (iii) of CCS(Conduct) Rules, 1964.
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representation from government servants on service matters 19.11.2019
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Improvement in reimbursement cases. dated : 08.11.2019
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Date of next incremnet under rule 10 of Central Civil Service dt : 28.11.2019
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INPUTS ON MACP ACP SCHEME CASES
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Representation from government servant on service matters.
OM NO. CDN/MF.CGA/CPGRAM/2019/378 dt : 19.11.2019 from Ministry of Finance, Deptt of Expenditure, Controller General of Accounts, Mahalekha Niyantrak Bhawan, New Delhi.
Sub : Representation from government servant on service matters.
Attention is invited to the instructions issued by DoPT from time to time on submission of representations by government servant on their service matters. In spite of these instructions, it has been observed that employees of this organisation or their relatives are frequently submitting the representations to Prime Minister/ Minister/Secretary directly for seeking redressal of their grievances. It is clarified that it would include all forms of communication through e-mails or public grievance portal etc. If a government servant wishes to seek redressal of a grievance, the proper course is to address his immediate official superior, or Head of Office, or such other authority at the appropriate level who is competent to deal with the matter in the organisation.
Attention is also invited to the provision of Rule 20 of CCS( Conduct) Rules, 1964 prohibiting Government servants from bringing outside influence in respect of matter pertaining to his service matters. Violation of these instructions may be treated as unbecoming conduct on the part of government servant and may attract the provision of Rule 3(1)
(iii) of CCS(Conduct) Rules, 1964.
Therefore, all. Pr.CCAs/CCAs/CAs (with independent charges) are requested that these instructions may be brought to the notice of all government servants working under their administrative control. Violation of the instructions may led to disciplinary action against the government servant under relevant rules.
This issues with the approval of Controller General of Accounts
Dr. Richa Pandey,
Asstt. Controller General of Accounts
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Childre-In-law will also be responsible for care of aged
Children-in-law will ..
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Health policies for the silver years Senior citizen health coverage can be expensive. Before settling on a policy, make sure to consider the details, such as co-payments.
hese days, many insurers offer coverage to senior citizens, either via special schemes or by including senior-centric features in general schemes. There are also specific plans for diabetics and heart patients. However, unlike general health insurance, plans for senior citizens come with many caveats, including higher co-payment, strict medical tests, specific exclusions and longer waiting periods for those with pre-existing diseases (PEDs).
Higher premiums
The general principle in insurance is the higher the age, the higher the premium’. This is especially true for health insurance, because the probability of medical problems rises with age. However, there is a large variance in premiums across policies for senior citizensReligare Health Insurance’s Care Senior has a premium of Rs 24,645 per annum, while Max Bupa Health Insurance’s Health Companion charges Rs 46,040 per year. The difference largely comes down to the variance in co-paymentthe higher the co-payment, the lower the premium.
Co-payment can reduce premiums
Essentially, co-payment requires policyholders to bear a certain percentage of any medical expense, while the insurer covers the rest.
For example, Star Health Insurance’s Senior Citizen Red Carpet plan has a mandatory co-pay provision of 30 per cent (50 per cent for pre-existing conditions). The annual premium for an insured sum of Rs 10 lakh is Rs 26,550. Suppose one were to claim a bill of Rs 10 lakh after 10 years of premiums the policy would require you to pay Rs 3 lakh (30 per cent) yourself, while the balance would be covered by the insurer. Practically speaking, one would have paid a total of Rs 5.65 lakh 3 lakh as co-pay and Rs 2.65 lakh as the cumulative premium.
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In comparison, Max Bupa Health Insurance’s Health Companion’s annual premium is Rs 46,040, with no co-payment required. Therefore, if one were to make a claim of Rs 10 lakh after 10 years, one would have paid a total of Rs 4.6 lakh as premiums (though the insurer covers the full amount of the medical bill).
Should one avoid co-payment plans, then? Not necessarily. Ideally, you should get a comprehensive plan without co-pay, as these are without limitations. But if you are not eligible for it because of your age or a pre-existing ailment, you could choose a plan with the co-pay option, says Amit Chhabra, business head of health insurance, Policybazaar.com.
Sub-limits
Since seniors are vulnerable to age-related medical conditions such as cataracts, diabetes and high blood pressure, it is important to check if the policy fully covers treatment for such problems. Most senior-centric health plans come with disease-based limits. For example, Dr S. Prakash, joint managing director, Star Health and Allied Insurance, says that on policies with an insured sum of Rs 5 lakh, the limit for claims on heart-related health problems tends to be around Rs 2.5 lakh. It is important to keep such conditions in mind before buying a policy.
Disease-specific
It can be difficult for people with diabetes or heart disease to get insurance, though insurers are attempting to serve such customers as well. We offer a diabetic-specific plan Care Freedomeven to insulin-dependent patients, says Anuj Gulati, MD and CEO, Religare Health Insurance. Also, Our Care Heart plan is suitable for those who have undergone a cardiac procedure, such as angioplasty or a stent implant.
Other similar plans include Star Health Insurance’s Diabetes Safe Plan for a premium of Rs 21,240 per annum, the sum insured is Rs 5 lakh. Apollo Munich Health Insurance’s Energy Silver offers the same coverage, at an annual premium of Rs 30,291. It also offers a no claim bonus that is, a 10 per cent increase in the basic sum insured for every claim-free year, up to a maximum of 100 per cent.
Premium revision
Until recently, getting insurance for those aged 75 and above was not possible. Today, most schemes targeting this demographic, such as Religare Health’s Care Senior, Care Freedom and Care Heart and HDFC Ergo’s my:health Suraksha come without age barriers. The IRDAI has also made it mandatory for insurers to offer lifetime renewability of policies, though there could be revisions in premiums every five years or so. On an average, premiums for those aged 65 and above increase by 25 per cent every five years, says Sanjay Datta, chief of underwriting, claims, reinsurance and actuary, ICICI Lombard General Insurance. However, this is not always the case. Star Health Insurance’s Dr Prakash says that the company has not revised premiums for senior citizens for the past 12 years. Some companies offer specific plans under which premiums freeze at a specific age. The premium remains constant after the age of 71 years under my:health Suraksha and after 61 years of age under my:health Medisure Super Top Up policy, until IRDAI allows a premium revision across ages and segments for a product, says Anurag Rastogi, president, accident and health, HDFC ERGO General Insurance.
Pre and post health checkups Most health plans for senior citizens require extensive medical tests. However, some companies offer insurance without such tests. Religare Health and Star Insurance are two such. Under Star’s Red Carpet plan, if buyers provide certain medical reports, such as a stress thallium report, a blood report and a sugar report (blood and urine, fasting and post-prandial) the insurer may even be willing to offer a 10 per cent discount on the premium.
Most senior-centric schemes also offer annual health check-ups. All our products offer an annual health check-up each year at no extra cost. These can be customized for senior citizens as per their needs, says Religare Health’s Gulati. Policies also come with benefits complimentary access to doctors on call, discounts for those who stay fit and complimentary access to health assessment reports.
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Re-look on RELHS BPS writes to MS Rly Board
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Holding OF PENSION ADALAT ON INDIA RAILWAY
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National Pension Adalat
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Principal_Accountant_General_And_..._vs_C._Subba_Rao_on_27_January,_2005
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"gunesh CAT case
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Inder_Pal_Yadav_And_Ors._Etc_vs_Union_Of_India_And_Ors_Etc_on_18_April,_1985
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