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Wednesday, February 12, 2025

Retirement from Service - Post Retirement -2

 








 Post Retirement:

He had a certain routine while on the job. He used to leave the house at half past nine in the morning. He used to do the assigned work very honestly during the office hours After buying vegetables, groceries, discussing with someone he met, he returns home at seven o'clock in the evening, after having dinner, shatpavali etc., he has to close his eyes as soon as he falls on the bed. All the staff in the office were happy with him. His colleagues, who were used to seeing his smiling face, cheered for his retirement, but everyone was in awe of the government regulations.

His daily schedule was so packed that he used to fear for his life at home on holidays. He used to get up for lunch and when he said there was nothing to do, his feet would turn towards his wife's rightful kitchen.

Then open this jar, lift that box, his business would go on all afternoon. When the wife wakes up after finishing her sleep, she sees a ruined house. And she was furious. She felt that this man should not be in the house even for a single day of vacation.

Post-Retirement Period: Instances & People's Reactions

The post-retirement period after Service in an organisation is a significant transition period, impacting individuals and their families in different ways.  Many retirees face with reactions from the people around including relatives, family members and friends during post retirement period.

1. Travel and enjoyment:

i)                 Family: They will express that he has work a lot for last 30 years. So, let him enjoy.


ii)                Friends:  You are deserving for all about enjoyment life.


iii)              External unit: A call will be to get your interest in joining the job after retirement.”

  

2.  Reactions on struggling life and purposeless living after retirement:

a)     Family: "You will not feel boring if you could find some job or volunteer somewhere.

b)     Friends: "We believe in your ability.  So, you can set a consultancy business to be active in

c)      External units: If you are Law Graduate, then you can join law practice to be an advocate.

 

3.  Reactions on opening up a new business after retirement:

a)     Family: "You are still energetic and can work for the entrepreneurship or business.

b)     Friends: "Retirement cannot stop you to work for the business.

c)      External units: "If you are having a retirement fund, you invest in our business "

 

3.  Reactions on health issue after retirement:

a)     Family: "You should go for total body check up to be healthy".

b)     Friends: "This age is to be careful and support each other for health issue."

c)      External units: "If you are having a retirement fund, you should buy health policy"

 

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रिटायरमेंट के बाद लोग आएंगे और रिटायर लोगों से कई सवाल पूछेंगे

सेहत  के बारे  सवाल पूछेंगे :

रिटायरमेंट के बाद हर कोई बंदा आपको कई सवाल पूछेगा के आपकी अब तबियत कैसी रहती हैं रिटायरमेंट के बाद सेहत में कोई तकलीफ़ तो नहीं।  अब आप रोज़ सेहत का खयाल कैसे रखते हैं , कौनसी दवाई चालू है कौन सा डॉक्टर हैं और कोई आप को सेहत के रख रखाव के लिए सलाह मशवरा देगा के आप इतना रोज किलोमीटर चला करो , बढ़ती  उम्र में पैदा होने वाली बीमारियां के बारे में दवाइयाँ वे सब बताते रहेंगे।   मधुमेह के वजहसे ख़ून  में ग्लूकोज का लेवल बढ़ जाता है जो नसों  को नुकसान पहुँचाता है , high BP दिल  की मांसपेशियों को मोटा कर देता है और अगर यह स्थिति पुरानी हो जाती है, तो दिल की धड़कन रुकने का कारण बन सकता है। और आगे डॉक्टर्स के नाम गिनवाएँगे के आमुक डॉक्टर high BP, दिल की धड़कन  के लिए अच्छा हैं 

सेहत  के बारे में ख़बरदारी से भारतीयों में जीवन प्रत्याशा 70 वर्ष तक पहुंच गई है। आधिकारिक आंकड़े इस बात की तस्दीक कर रहे हैं। ऐसे लोग भी हैं, जो अपने 80 और 90 के दशक में भी अच्छा जीवन जी रहे हैं। मेरे मित्र के पिता 35 वर्षों तक काम करने के बाद हाल ही में सरकारी नौकरी से सेवानिवृत्त हुए हैं। उन्हें लगता है कि सेवानिवृत्ति उबाऊ होने वाली है। हालांकि, अगर आप आर्थिक रूप से तैयार हैं तो रिटायरमेंट के बाद अपना जिंदगी  दिलचस्प बना सकते हैं।

 रिटायरमेंट के बाद समय बिताना :

कई लोग रिटायरमेंट के बाद समय कैसे समय बिताते हैं , पार्ट-टाइम नौकरी या  कुछ काम वाम करते हो या सोते रहते हो , TV सेरिअल्स, movies  ज़्यादा मत देखा कीजिए।  रिटायरमेंट के बाद तनाव और अवसाद से बचने के लिए, शारीरिक गतिविधि के लिए jogging  walking और आध्यात्मिक अभ्यास के लिए नमाज़  भी पढ़ना फ़ायदेमंद होता है, ऐसे कहेँगे 

रिटायरमेंट के बाद एक नई जिंदगी मिलती है, जिसे आप अपने मन मुताबिक जीने की कोशिश में ख़ुश रहते हों । मगर लोग मान लेते हैं कि अब हम सेवानिवृत  हो गए, तो  किसी काम के लायक नहीं रहे, और सारी जिम्मेदारी बच्चों पर छोड़ देते हैं। ऐसी स्थिति में कई बार घरों में टकराव  बढ़ने लगते हैं कई बार तो कई दिन सब में सुलह करने में निकल जाते फिर झगड़ा होने लगता ज़ायदाद में बटवारे का, कई सेवानिवृत के औलाद ऐसे होते है की आपस में ज़ायदाद में बटवारे के नाम पर बहस करने लगते, और  ज़ायदाद बटवारा करने की ज़िद पर अड़ जाते हैं। 

आपके पास कुछ योजना होनी चाहिए कि रिटायरमेंट के बाद आप क्या करेंगे। सेवानिवृत्त होने के बाद आपके पास अचानक बहुत समय होता है और बिताने के तरीके कम। इसे दिलचस्प बनाने के लिए जरूरी है कि आपके पास किसी न किसी प्रकार का शौक या उद्देश्य होना चाहिए। मुमकिन हो तो आप कुछ और वर्षों तक काम करना जारी रख सकते हैं। अपना समय किसी ऐसे संगठन को दे सकते हैं, जिसके साथ आप जुड़े हुए हों।

रिटायरमेंट के बाद अपनी उम्र के अन्य लोगों की संगति Freindship Group  :

रिटायरमेंट के बाद अपनी उम्र के अन्य लोगों की संगति में Friendship group फ्रेँडसिप ग्रुप या क्लब बनाइए और आप  पसंदीआप कई तरह के कार्यक्रमों और गतिविधियों / Gym व्यायाम में शामिल हो सकते हैं, आप के पसंदीदा  जगहों पर घूमने जा सकते हैं, संगीत और क़िताबों  में शौक बढ़ाएं, आध्यात्मिक अभ्यास,, शारीरिक गतिविधियां

अगर आप किसी शहर में रहते हैं तो संभावना है कि आप जिस आवासीय कॉलोनी में रहते हैं, वहां वरिष्ठ नागरिक मंच होगा। आप इसके सदस्य बन सकते हैं। अपनी उम्र के अन्य लोगों की संगति में रहने से समान रुचियों वाले समूह का हिस्सा बनने में मदद मिल सकती है। अकेलापन महसूस करने के बजाय आपको नए दोस्त मिलेंगे।

यह वह उम्र होती है जब आप अपनी तमाम जिम्‍मेदारियों को पूरा कर चुके होते हैं और जीवन में पहली बार खुद के लिए समय निकालने का समय पाते हैं. कुछ लोग तो उसको टालने लगते हैं के इसको कोई काम नहीं हैं और अब हमारा वक़्त बर्बाद करेगा.  रिटायरमेंट के बाद हम ये सोचने लगते हैं कि अब हमारे आराम करने के दिन आ गए, अब हम और मजे करेंगे,  मौज मस्‍ती करने के दिन आगए।  

रिटायरमेंट के बाद एक नई जिंदगी मिलती है, जिसे आप अपने मन मुताबिक जी सकते हैं। मगर अर लोग मान लेते हैं कि अब हम सेवानिवृ हो गए, किसी काम के लायक नहीं रहे, बेकार हो गए  और सारी जिम्मेदारी बच्चों पर छोड़ देते हैं। ऐसी स्थिति में कई बार घरों में कलह बढ़ने लगता है। कई  बार कलह सुलझाते हुए दिन बीत जाते हैं फिर लगता कोई सुनता नहीं, कोई डरता नहीं।   इस युग में घर के बच्चे समझ नहीं पाते कि उन्हें कुछ समय घर के बुजुर्गों के साथ भी बिताना चाहिए। 

सभी अपनी इच्छानुसार जिंदगी जीना चाहते हैं। कुछ लोगों की  दिली-ख़्वाहिश होती  हैं कि हम रिटायरमेंट के बाद कहीं लंबी सफ़र  पर निकल जाएंगे। कुछ की ख़्वाहिश होती है कि दोस्तों की मंडली / गिरोह बना कर खूब गप्प  किया करेंगे। कुछ की ख़्वाहिश होती है कि रोज़ सारे दोस्त मिलकर jogging / walk लगाएंगे, योगा क्लासेस ज्वाइन करेँगे , कसरत या gym ज्वाइन करेंगे। 

अपने पुरानी शौक और दिलचस्पी :

अपने पुरानी शौक को पूरा करने का प्रयास कर सकते हैं। आप ऐसे वरिष्ठ नागरिकों की संख्या देखकर आश्चर्यचकित रह जाएंगे, जो सेवानिवृत्त होने के बाद खुद को मानसिक रूप से सक्रिय और व्यस्त रखने के लिए संगीत, नाटकों, पुस्तक क्लबों व धार्मिक गतिविधियों में सक्रिय रूप से भाग लेते हैं। कुछ लोग वंचित बच्चों को पढ़ाने की जिम्मेदारी लेते हैं।

रिटायरमेंट के बाद, कुछ लोग कहते है के :

1. ऑनलाइन कोचिंग  या छात्रों के लिए ट्यूटर बनकर पैसे कमाना चाहते हैं ऑनलाइन कोचिंग के लिए आप यूट्यूब, टेलीग्राम, फेसबुक, गूगल मीट, जूम आदि ऐप्स का इस्तेमाल कर सकते हैं। आप आश्रम तो खुद का ऐप या वेबसाइट पर भी ऑनलाइन कोर्स करावा उपलब्ध करा सकते हैं

2. शेयर मार्केट / म्यूचुअल फ़ंड में निवेश कर पैसे कमाने में ज़्यादा रूचि रखते हैं 

3. ब्लॉग बनाना  बेहतर करियर ऑप्शन में से एक मानते है।  अगर आपको किसी विषय की खास जानकारी है, तो आप अपना ब्लॉग शुरू करके भी पैसे कमाना शुरू कर सकते हैं। ब्लॉगिंग करने के लिए सबसे पहले आपको एक वेबसाइट बनानी होगी, जिसमें आपको डोमेन नाम, होस्टिंग आदि के लिए कम से कम 5k-10k रुपये का निवेश करना होगा।  ब्लॉगिंग से पैसे कैसे कमाए? – ब्लॉगिंग से पैसे कमाने के लिए आप पोस्टपोस्ट का उपयोग कर सकते हैं -

Paid प्रमोशन और आर्टिकल लिखकर 

प्रोडक्ट बेचकर 

एफिलिएट मार्केटिंग 

4. किसी LOCAL  NGO / स्थानीय संगठन में स्वयंसेवक बनें रहना चाहते हैं 

5. AI (Artificial Intelligence) पर  कंटैंट लिख सकते हैं, लेखन सेवाएँ दे सकते हैं  और पैसे कमा सकते हैं

6.  Law graduate LLB के साथ साथ Law कॉन्सिल से सनद लेकर एनरोलमेंट भी की है तो वकील, कानूनी सलाहकार, प्रोफ़ेसर या कानूनी लेखक बन सकते हैं. 

7. यूटूबेर youtuber बनकर वीडियो अपलोड कर  पैसे कमाना चाहते हैं 

8. Maintenance and Service business in TV and domestic equipment'sआप अपनी शिक्षा और रुचि के अनुसार किसी व्यवसाय से जुड़ सकते हैं या यदि आप छोटी सेवा एजेंसी स्थापित करने में रुचि रखते हैं, तो आप इंजीनियरों को नियुक्त कर सकते हैं और समाज को सेवाएं प्रदान कर सकते हैं।

9. रियल एस्टेट बिजनेस एक बेहतरीन फ्यूचर बिजनेस आइडिया है। इसमें आप घर, जमीन, मकान, दुकान आदि को खरीदकर और बेचकर अच्छा लाभ कमा सकते हैं। वर्तमान समय में यह बिजनेस तेजी से बिक रहा है। आज बहुत से बिल्डर अपनी जमीन पर मकान बनाकर उन्हें करोड़ों के भाव में बेच रहे हैं।

10. AI business ideas:वर्तमान समय में AI का चलन तेजी से बढ़ रहा है। chatgpt, Slides AI, Soundraw जैसे AI टूल की मदद से आप अपने काम को पहले से काफी आसान बना सकते हैं। ऐसे में अगर आपने, रॉबोटिक्स, कंप्यूटर साइंस आर्टिफिशियल इंटेलीजेंसी ( AI) में डेटा साइंस या AI से जुडी पढ़ाई की है, तो आप AI आधारित सेवाएं शुरु करके पैसा कमा सकते हैं। 
  
     a) Content-writing.
     b) e-marketing.

हर इन्सान  की किसी किसी काम में शौक़ जरूर हो ती है। जैसे किसी की पेंटिंग में, किसी की खाना बना ने में, किसी की सिलाई में, किसी की संगीत में या गाना, किसी की पढ़ने-लिखने में आदि। वैसे ही आप भी अपनी  रुचि शौक़ के मुताबिक लोगों की सेवा कर सकते हैं। रिटायरमेंट के बाद ही वह समय आता है जब खुद को निखार सकते हैं। आप अपने बारे में सोच सकते हैं। खुद को नि स्वा र्थ सेवा में लगा सकते हैं। अगर आपको समाज सेवा में दिलचस्पी है तो कई  सामाजिक संस्था ओं से जुड़ सकते हैं। अगर आप डॉक्टर हैं, तो अपना खुद का क्लिनि खोल सकते हैं। लोगों को मुफ्त में दवा एं दे सकते हैं। अगर आप  टीचर  हैं तो बच्चों को मुफ्त में पढ़ा सकते या  अच्छी परवरिश  सलाहकर बन सकते है

देखने में आया है कि जो लोग रिटायरमेंट  के बाद कोई  दिलचस्पी नहीं लेते या  मन में रूचि नहीं रखते, वे बेवजह अपना समय बर्बाद  करते हैं। वे बहुत ज़्यादा  TV देखने लगते हैं। लंबे वक़्त  तक सोते या  बैठे रहते हैं या मोबाइल पर गेम खेलते रहते हैं। इस वजह से खाली बै बैठकर थकान बढ़ा  लेते हैं । इसके के अलावा कई लाग  सेवा निवृवृत्त लो रिटायरमेंट शराब पिने का शौक़ बढ़ा लेते हैं  । उन्हें न्हें लगता है है कि अब तो जिंदगी  के चार दि न बचे हैं, इसलिए इसे  जैसे  गुजारना है वै वैसे से  गुजार लें लें। शराब अधिक पीने  से आपके के तबियत  पर गहरा असरपड़ता है। लेखक  बताते हैं कि से रिटायरमेंट  के बाद इंशान  खुद को अकेला महसूस न करे ।  रिटायरमेंट के बाद आपको सकारात्मक सोच रखनी होगी और खुद को अच्छी आदतें और नजरिया सिखाना होगा।  शराब पीने से नकारात्मक सोच पैदा होगी

रिटायरमेंट के बाद कई घरेलू  परेशानियां खड़ी हो जाती हैं.  वे सोच में  रहेते  हैं कि परेशानियां के साथ वक्त  कैसे बिताया जाए।  इसलिए, अपनी परेशानियां को बच्चों के कंधों पर डाल दें और खाली बैठे रहेंते है लेकिन परेशानियां घरेलू झगड़ो तब्दील हो जाती है। परेशानियां सुलझानी के बजाय उसको नजरअंदाज करने लगते हैं , सुख चैन पाने के चक्क्रर में  सारे हमारेअं अंदर से सीखने ने की चाह खत्म हो जाती है।






 

Retirement from Service - Pre-retirement - 1

 




Pre-retirement :

As regards pre-retirement period and as soon as the retirement is near to come or notice period of retirement,  their unhappiness for the person will be no more in the vicinity and retire from Service.  While working, many people dream about what they will do after retirement and plan accordingly and tell them with bravery about businesses or services, they are going to join or setting up new business firm. While telling the post-retirement dream, many people about their technical skills acquired for future earing after retirement, but after retirement, it become burden some

Views of Relatives and Friends as a Person Nears Retirement

As a person approaches retirement, their relatives and friends often have mixed emotions and perspectives. Some celebrate this new phase of life, while others express concerns about how the retiree will adapt to the change. Here are some common viewpoints from different groups:


Family Members' Perspectives

1.     Spouse's View:

    • Excitement: “Finally, we will have more time together for travel and relaxation.”
    • Concern: “Will we be financially stable? How will daily life change?”
    • Adjustment: If one partner has been managing the household while the other worked, the dynamic might shift.
    • Expresses view that there will be more time for health and wellness
    • Joining the Social work or NGO to utilise the time hours of retirement period

2.     Children's View:

    • Proud: “Dad/Mom has worked so hard all these years—time to enjoy life now.”
    • Worried: “Will they be happy without their routine? What will they do every day?”
    • Supportive: Some encourage hobbies, travel, or even part-time work to keep busy.
    • Financial planning is suggested, for retirement benifits

3.     Extended Family (Siblings, In-Laws, etc.):

    • Some may see the retiree as a role model for financial planning.
    • Others might expect more involvement in family events and responsibilities.

Friends' Perspectives

1.     Retired Friends:

    • Encouraging: “You’ll love this phase—relax and enjoy life.”
    • Advisory: “Stay active, find a hobby, and don’t isolate yourself.”

2.     Still-Working Friends:

    • Mixed Feelings: “Lucky you! I still have years to go.”
    • Curious: “What’s your plan after retirement?”
    • Concerned: “Won’t you get bored?”

Colleagues' Perspectives

  • Respectful: “Your experience will always be valuable to us.”
  • Grateful: “Thank you for your contributions over the years.”
  • Nostalgic: “Work won’t be the same without you.”
  • Professional Advice: “Consider consulting or mentoring to stay engaged.”
  • Many of his / her seniors are about to feel that work load of retiring person will be on our head.
  • Ego: “Whether the retiring person is feeling that we would not bear the work load in hie/her absent.
  • Insults during Send-off party, for the incidences where they must have felt insulting.
==

Whether you are excited or anxious eager, enthusiastic about the prospect of retiring from the fire and rescue service, this significant period of change brings with it its own challenges. Wellness and Behaviour Change Coach Sally Walker is here to offer some advice. Some advices to clear outstanding dues of housing loan, some advices to try to leave the daughters marrying to their homes.  For those of us approaching the age where we leave our careers behind, the thought of retirement brings with it a range of emotions. Maybe you’re feeling delighted at the prospect of no longer having to work, or anticipation for what your daily routine might look like once you leave work. Possibly you’re doubtful about whether or not you’re actually ready to retire, or maybe you’re looking forward to it but have some natural trepidation.  For those, who are planning to set up a business after retirement, many of them suggest the list of business and solution of the technical difficulties.  Whatever our career, retirement represents a large change. But for those of you working in the fire and rescue service, this can feel like even more of a shift, as you come to terms with the prospect of leaving the fire family and having to adjust to civilian life, especially as many of you are actually still younger than the traditional retirement age when you retire from the fire service.

It was my first Festival after retirement. My thoughts turned back to all the years I had spent in service, particularly on senior positions. A week before this Festival, people would start dropping in with all kinds of gifts. There would be so many of them that the room where we kept all the stuff would look like a gift shop.

There had been a full of greeting cards of colourful covers and Whatsapp messages, expressing joy, prosperity, and the hope for a bright future.  The amount of dried fruit would be so large that even after distributing it among our relatives and friends, a lot would still be left.

This time, things were totally different. It was already 2 pm, but nobody had come to wish us Diwali. I was feeling downcast and depressed at this sudden reversal of fortune. To distract myself, I started reading the spirituality column of a newspaper. Fortunately, I came across an interesting fable. It was first time, I felt as to how people are in our happy days and vanished away when it ended.

==

Send-off party is arranged on retirement day with grand speeches :

Send-Off Party on Retirement Day: A Grand Celebration

Retirement send-off party is a heartfelt occasion filled with gratitude, nostalgia, and well-wishes for the retiree. It’s a time when colleagues, friends, and family gather to celebrate the retiree’s achievements and contributions.


Key Highlights of a Grand Send-Off Party

1.  Warm Welcome & Gathering

  • The venue is decorated with banners, flowers, and photos highlighting the retiree’s career journey.
  • Colleagues, friends, and family arrive, sharing memories and laughter.
  • A welcome speech sets the tone for the event.

2. Grand Speeches & Tributes

  • Boss/Management Speech: Acknowledging the retiree’s dedication, work ethic, and contributions.
  • Colleagues’ Speech: Sharing memorable moments, funny stories, and lessons learned from the retiree.
  • Retiree’s Speech: Expressing gratitude, reminiscing about the journey, and sharing future plans.

3. Award & Memento Presentation

  • A certificate or trophy of appreciation is presented.
  • A personalized gift such as a photo album, caricature, or a watch is given.
  • A video montage featuring messages from colleagues and family is played.

4.  Fun Activities & Surprises

  • A musical performance or a skit reenacting the retiree’s workplace moments.
  • A "Guess the Year" game based on events from their career timeline.
  • Light-hearted roast where colleagues humorously recall funny incidents.

5. Cake Cutting & Toast

  • A grand retirement cake is cut while everyone cheers.
  • A toast is raised, wishing the retiree a happy and fulfilling retirement.

6. Farewell Messages & Well-Wishes

  • A memory book is circulated for attendees to write their farewell messages.
  • A video recording of wishes is compiled for the retiree to cherish.

7. Closing Ceremony & Gifts

  • A final speech thanking everyone for their presence.
  • The retiree receives a bouquet and a token of appreciation from the team.
  • Group photos are taken to capture the special moments.

8. Send off the retiree along with Family

  • Say good bye to the retiree with respect or salute
  • Hand over the gifts and memento in the car
==

 

Tuesday, February 11, 2025

Retirement from Service in India-1

 



Retirement from Service in India:


After working for so many years, the inevitable day in everyone's life is 'retirement'.

In India, the standard retirement age for government servants is 60 years old, meaning most employees must retire from service on the last day of the month in which they turn 60. In other words, it is also called to superannuation retirement. 

Retirement are of two types:

1.  Superannuation Retirement

2.  Voluntary Retirement

Retirement from Service in India refers to the conclusion of an individual’s professional career, typically based on reaching a specific age or after completing a certain period of service. The retirement process, benefits, and regulations vary depending on whether the individual is employed in the government, public sector, or private sector.

 

Types of Retirement in India:

 

1. Superannuation Retirement: 

   - Definition: Retirement upon reaching the official age limit, usually 60 years for government employees. 

   - Applicability: Common in government, PSU, and many private organizations. 

 

2. Voluntary Retirement (VRS): 

   - Definition: Employees can choose to retire early after completing a minimum number of years (usually 20 years) of service. 

   - Example: Government VRS schemes or corporate downsizing programs. 

 

3. Compulsory Retirement: 

   - Definition: Retirement enforced by the employer due to performance issues, misconduct, or restructuring. 

   - Legal Protection: Employees can challenge unfair compulsory retirements under service laws. 

 

4. Premature Retirement: 

   - Definition: Retirement before the standard age due to health issues, personal reasons, or organizational policies. 

   - Often Confused With: VRS, but differs as it may not be voluntary. 

 

 Retirement Benefits in India:

 

1. Pension Schemes: 

   - Government Employees: Defined Benefit Pension (under CCS Pension Rules). 

   - Private Sector: National Pension System (NPS) is common. 

 

2. Provident Fund (PF): 

   - Employees’ Provident Fund (EPF): Lump sum amount upon retirement. 

 

3. Gratuity: 

a)    Eligibility: After 5 years of continuous service. 

b)    Payment: Based on last drawn salary and years of service. 

 

4. Leave Encashment: 

   - Unused leave balance is often encashed at retirement. 

 

5. Medical Benefits: 

   - CGHS/ESIC: Health schemes for government employees. 

   -Corporate Health Insurance: Some companies extend post-retirement benefits. 

 

6. Retirement Savings Plans: 

   - PPF, Senior Citizen Savings Scheme (SCSS), Fixed Deposits, etc. 

==

***********

RETIRING GOVERNMENT EMPLOYEES

1.       WHO IS ELIGIBLE FOR PENSION?

a)    A Central Government employee who joined in pensionable service prior to O1/01/2004

b)    Contributory Provident Fund (CPF) beneficiaries in service on 01.01.1986 other than those who chose to continue under the CPF Scheme thereafter.

c)    Temporary employees retiring on superannuation pension/ invalidation with not less than 10 years' service qualifying for pension.

d)    An employee who is dismissed or removed from service forfeits his pension.

e)    Resignation from service entails forfeiture of past service.

`2.      WHEN CAN YOU GET PENSION?

a)    Pension is payable on retirement after attaining the age of compulsory retirement (superannuation) or in advance of this ageunder certain circumstances.

b)    Pension is also payable before the age of superannuation on voluntary retirement after rendering 20 years of qualifying service under Rule 48- of CCS (Pension) Rules or after attaining age of 50/55 years under FR 56(K) subject to other conditions as laid down in the Rules.

c)    Family pension is payable to an eligible family member on the death of an employee while in service or after retirement.

3.       CLASSES OF PENSION

a)    Pension granted underCCS (Pension) Rules, 1972 can be:

b)    •         Superannuation Pension

c)    •         Retiring Pension

d)    •         Invalid Pension

e)    •         Compensation Pension

f)      •         Compulsory Retirement Pension or Compassionate Allowance

g)    •         Pension on absorption to a PSU / Autonomous body.

 

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

 

4.1.    DURING THE SERVICE, RETIREE IS REQUIRED TO ENSURETHAT

a)    •    His/her family details are kept updated

b)    •    All Nominations are kept updated

c)    •              Head of Office/ DDO has verified the service - no gaps in service

d)    •    You are entitled to Certificate/s of Qualifying Service on completing 18 years of service and 5 years before retirement. This period is not to be reopened for assessment

e)    •    Leave Record is kept updated

 

4.2.    POINTS TO BE KEPT IN MIND WHILE FILLING UP THE FORMSONBHAVISHYAPORTAL

a.     Choose your bank with caution - Please see your easy accessibility to the nearest branch of the Bank. This will be helpful as you grow in age.

b.    documents such as educational certificate/ Aadhaar Card/Driving license etc.

c.     The retiree should consider appropriately before applying to avail the facility ofCGHS/ FMA/CGHS (In-door)+ FMA/ health facility of previous organization as well as spouse's health facility.

d.    Commutation of the pension is optional and therefore a subjective concept. The retiree should take decision regarding the commutation of pension as per his/her requirement.

e.     Late submission of pension forms should be avoided. The Bhavishya system sends message to the retiree 8 months before the date of retirement; intimating the login Id and password. The retiree now requires filling his pension papers on Bhavishya system.

 

4.3.    BASIC STATISTICAL RETURNS (BSR) CODE

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

4.4.    WHAT IS BSR CODE AND ITS USE

b.    Basic Statistical Returns (BSR) Code is a 7 digit code allotted by Reserve Bank of India (RBI) to all the registered Banks in India. The first 3 digits out of the 7 represent Bank name whereas the remaining 4 digits codify the branch of the Bank. BSR is a system to integrate the data relating to various commercial

 

5.2.    12-15 months before retirement: -

•         Commencement of service verification process by Head of Office

•         Assessment of outstanding dues

•         Reference to PAO and Directorate of Estates (for NDC)

5.3.    8 months before retirement:- Certificate regarding qualifying service and emoluments along with blank Form-5 to be given to retiring employee

5.4.    6 months before retirement retiring employee to give: -

•         filled in Form-5 with bank account details and joint photograph

•         details of family in Form 3, unmarried sons and married daughters are also the part of family and the same should be mentioned in Form 3

•                   nomination forms for gratuity, GPF, CGEGIS, Commuted

a.     value of pension and arrears of pension (Form-A)

b.    Undertaking for the Bank

c.     AnubhavForm

5.5.    4 months before retirement :- Pension papers (Form 5, Form 7 and Form 8) to be forwarded by HOO to PAO indicating Government dues to be recovered from Gratuity.

5.6.    1 month before retirement :- PPO to be sent by PAO to CPAO. CPAO to forward it with SSA to the Bank within 21 days.

a.     It is calculated @ 1 /2 month's emoluments for each completed six monthly period of qualifying service.

b.    An emolument for this purpose includes DA admissible at the time of retirement.

c.     There is no limit for minimum amount.

d.    This is a one-time lump sum payment in lieu of pension and is distinct from and is paid over and above the retirement gratuity referred to later in this Section.

7.1.2.  Pension

a.     If you retire under the Rules and have qualifying service of 10 years, your pension is calculated @ 50% of last payor average emoluments (i.e. average of the basic pay drawn byyou during the last 10 months of your service), whichever is more beneficial to you.

b.    Guaranteed minimum pension is Rs.9,000 (Rupees nine thousand only) per month. In addition, Dearness Relief is also payable thereon.

c.     Maximum limit on pension is Rs.1,25,000 (Rupees one lakh twenty five thousand only) per month. In addition, Dearness Relief is also payable thereon.

d.    Pension is payable upto and including the day of death.

7.1.3.  Commutation of Pension

a.     You have an option to commute a portion of pension, not exceeding 40% of it, into a lump sum payment.

b.    You need not undergo any medical examination if you exercise this option within one year of retirement.

 

7.1.5.  Dearness Relief

a)    Dearness relief is sanctioned as compensation against price rise.

b)    The quantum payable will be governed by the orders issued by the Government from time to time.

a.     All pensioners, irrespective of the amount of their pension, are eligible for this benefit (except these on re-employment).

b.    There is no ceiling in regard to the total of pension plus dearness relief which a pensioner can receive.

7.2.    FORFAMILIES

7.2.1.  Death Gratuity

•         Widow /widower or the nominee of an employee, dying while in service is entitled to receive Death Gratuity.

•         There is no requirement of completing any minimum length of qualifying service by the deceased employee for this purpose.

•         Entitlement is regulated as under:

Length of Qualifying Service

Rate of death gratuity

< 1 year

2  time of emoluments

One year or more but < 5 years

6  time of emoluments

5 years to 11 years

12 time of emoluments

11 years to 20 years

20 time of emoluments

 

 

•                   In case of a Govt. Servant who dies while in service family pension at enhanced rate is admissible for a period of ten years from the date fallowing the date of death. In case of death of a pensioner, family pension at enhanced rate would be payable for a period of seven years or till the pensioner would have attained the ageof 67 years, whichever is earlier.

a.     Like pension, family pension is also payable upto and including for the day of death of the recipient.

b.    But, family pension is payable for life to a son/ daughter who is suffering from any disorder/ disability of mind or is physically crippled/ disabled/ thus rendering him/her unable to earn a living. Dependent, divorced, widow and unmarried daughter, dependent parents, dependant disabled siblings are eligible for family pension for life subject to fulfilment of certain conditions.

7.2.3.  Dearness Relief

a.     Dearness relief to family pensioners is paid at the same rate and on the same conditions as for pensioners.

8.       FAMILY PENSION ON DEATH/DISCHARGE FOR GOVERNMENT EMPLOYEES UNDER NATIONAL PENSION SYSTEM (NPS)

a.     National Pension System (NPS) was introduced for Central Government civil employees w.e.f. 01.01.2004 by Ministry of Finance (Department of Economic Affairs) vide Notification No. 5/7 /2003-ECB  &  PR  dated  22.12.2003.  National  Pension

 

a.     System is mandatory for all new recruits joining the Central Government service (except armed forces) from 01.01.2004. Accordingly, the CCS (Pension) Rules, 1972 were amended vide notification dated 30.12.2003. CCS (Pension) Rules, 1972 are applicable to Government servants appointed on or before 31.12.2003. However, the benefits under Old pension scheme were extended to the Central Government employees covered under NPS vide Department of Pension and Pensioners' Welfare. in the event of their death or discharge from Government service on account of invalidation/ disability. In the case Government servant or his family avails the benefits under the old pension scheme in accordance with ..

 

b)    O.M. dated 05.05.2009, the entire accumulated pension fund of the Government servant under NPS would be surrendered into the Government account in accordance with Pension Fund Regulatory and Development Authority (Exits and Withdrawals underNPS) Regulations, 2015.

a.     The benefits of Retirement gratuity and death gratuity have also been extended to the Central Government employees covered under NPS on the same terms and conditions as are applicable under CCS(Pension) Rules, 1972.

9.       HOW TO CLAIM PENSION

a.      Pension claims are processed by your Head of Office. He is also responsible for settling the entitlements consequent to the death of an employee in harness.

b.     The process for sanctioning your pension claims is required to be initiated by the Head of Office 12 to 15 months in advance of the retirement date.

c.      Eight months prior to the retirement date, you are to furnish certain information (e.g. joint photo with wife/husband, family details, name of bank through which you desire to draw your pension, etc.) to your Head of Office in Form-5.

d.     Your co-operation with the Head of Office is vital to ensure timely settlement of your claim. Head of Office will send the pension papers to P&AO in form 7 & 8 within 4 months prior to your date of retirement.

e.      Pension is sanctioned by the Accounts Officer who is required to issue you Pension Payment Order (PPO) not later than one month in advance of the retirement date. He will send the PPO to CPAO who will issue SSA to designated pension paying bank within 21 days thereafter.

f.       If any delay is anticipated in this, the Head of Office is required to sanction provisional pension and provisional gratuity.

g.     Normally, family pension is also sanctioned to spouse at the same time as pension and indicated in the PPO. Family pension is to be drawn only after the death of the pensioner. In such cases no separate sanction for family pension is required. The spouse has to submit an application along with death certificate to the Bank, if he/she had a joint account with the deceased pensioner.

h.     For getting family pension in other cases, the deceased pensioner's family should apply in form-14

 

13.       NON-PENSIONARY RETIREMENT BENEFITS

13.1.                 Retired employees or their families are also entitled to the following non-pensionary retirement benefits:

•                       Cash equivalent of leave salary for earned leave due to the employee, subject to a maximum of 300 days.

•                       Encashment of half pay leave due to the officer to the extent of shortfall in earned leave to make up the maximum of 300 days ceiling on Earned Leave for encashment above.

•           Insurance cover and/ oraccumulation in the Saving Fund under the Central Government Employees Group Insurance Scheme, 1980.

•                       Normal dues from the GPF account and in the case of death of the employee while in service, additional amount limited to Rs.60000 from the Deposit-linked Insurance Scheme under the General Provident Fund Rules.

•                       On retirement, you are entitled to travel entitlement consisting of (i) Travel entitlement for self and  family

(ii)        Composite  Transfer  and  packing  grant  (CTG)

 

 

(iii)       Reimbursement of charges on transportation of personal effects (iv) Reimbursement of charges on transportation of conveyance as detailed below: -

13.2.     Travel Entitlements

Travel entitlements as prescribed for tour/transfer, except for International Travel, will be applicable in case of journeys on retirement. The general conditions of admissibility prescribed in S.R.147 will, however, continue to be applicable.

13.3.     Composite Transfer Grant (CTG)

(a)        The Composite Transfer Grant shall be paid at the rate of 80% of the last month's basic pay in case of those employees, who on retirement, settled down at places other than last station(s) of their duty located at a distance of or more than 20 km. However, in case of settlement to and from the Island territories of Andaman, Nicobar & Lakshadweep, CTG shall be paid at the rate of 100% of last month's basic pay. Further, NPA and MSP shall not be included as part of basic pay while determining entitlement for CTG. The transfer incidentals and road mileage for journeys between the residence and the railway station/bus stand, etc., at the old and new station, are already subsumed in the composite transfer grant and will not be separately admissible.

(b)        As in the case of serving employees, government servants who, on retirement, settle at the last station of duty itself or within a distance of less than 20 kms may be paid one third of the CTG subject to the condition that a change of residence is actually involved.

 13.4.    Transportation of personal Effects

Presently the scale of transportation of Personal Effects for which re-imbursement is admissible is as follows:-

Level in Pay matrix

By Train/Steamer

By Road

12 and above

6000 kg by goods train/ 4 wheeler wagon/1 double container

Rs.50/- per km

6 to 11

6000 kg by goods train/ 4 wheeler wagon/1 single container

Rs.50/- per km

5

3000 kg

Rs.25/- per km

4 and below

1500 kg

Rs.15/- per km

13.5.     Transportation of conveyance

Level in pay matrix

Reimbursement

6 and above

1 motor car etc., or 1 motor cycle/scooter

5 and below

1 motor cycle / scooter / bicycle

 

14.       FIXED MEDICAL ALLOWANCE

•                     Fixed Medical Allowance @ Rs. I 000 per month is paid to pensioners/family pensioners who are residing outside the jurisdictional area of CGHS Scheme and other such schemes of other Ministries/Department and would have been eligible for this scheme while in service.

•                  Medical facilities under the Central Government Health Scheme (CGHS) in various cities/areas covered by the scheme are also available to eligible Central Govt. Pensioners on contribution/ payment basis. CGHS facility (both OPD and IPD) is also available to pensioners residing outside CGHS area.

•                 Pensioners residing outside CGHS area but in receipt of FMA, are not eligible to avail OPD facilities at wellness centers. They can, however, avail IPD facilities on making contribution under the Central Government Health Scheme (CGHS).

15.       ANUBHAV

DoP&PW has also provided you a platform to share your experience of working with the Government through a write-up - the write-ups which the Government may share online with other Ministries/ Departments. This platform has been provided with the intention to garner the resources of retiring employees to help create wealth of information for the Government. An annual award scheme is also in existence to attract quality write-ups. The details can be seen at http://pensionersportal.gov.in/Anubhav.

16.       SANKALP

Believing that the life after retirement is a second inning in the life of a Government Employee, the Department of Pension & Pensioners' Welfare has taken up an initiative to motivate and channelize the skill, experience and time available with Central Government Pensioners into meaningful social activities through a platform entitled "SANKALP". Under this initiative, you can register yourself for voluntary work on SANKALP

17.       DISBURSEMENT OF MONTHLY PENSION

•                       Payment of pension to Central Government Civil Pensioners is made by all nationalized banks authorized by Reserve Bank of India. In addition RBI has also authorized HDFC Bank Ltd., ICICI Bank Ltd., IDBI Bank Ltd. and UTI Bank Ltd. (now Axis Bank Ltd.) to make payment of pension to Central Government Civil Pensioners.

 Pensionary and other dues payable to an IAS officer retiring on superannuation (age 60 years) from apex scale (Level-I7, pay Rs. 2,25,000/-)

 

0          Last Pay Drawn           Rs.2,25,000 /-  

2          Basic Pension Rs.l, 12,500/- (50 % of the last paydrawn)      

3          Maximum portion of commutation of pension permissible    40%    

4          Commutation value payable on retirement     1,12,500 x 40/ 100 = Rs.45000 / -

             Rs.45000 x 12 x 8.194 =  Rs.44,24,760 / -       

5          Residual Pension        1,12,000 - 45,000 = 67,500        Payable as monthly pension by credit to the bank account of pensioner. In addition the dearness relief as per rates announced by the Govt. from time to time is also payable.

6          Gratuity           1/4th of emoluments (basic pay + DA) for every half year of qualifying service subject to maximum of Rs.20.00 lakh        To be paid by Head of Office

7          Leave Encashment      (2,25,000 + DA) x 300 divided by 30 (if the officer has 300 days EL at his credit). If the number of EL at the credit is less than 300 days, encashment of half pay leave due to officer to the extent of shortfall in earned leave to make up the maximum of 300 days ceiling earned leave for encashment above is also given.       To be paid by Head of Office

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