TERMINAL BENEFITS TO NOK

TERMINAL BENEFITS TO NOK ON DEATH OF OFFICER AFTER RETIREMENT 

FAMILY PENSION 

1.       Ordinary Family Pension. Ordinary Family pension is entitled to the widow and after her death, to eligible children, in case of death of the officer who was in receipt of pension. A son is entitled for Family Pension upto 25 years of age/marriage or earning more than Rs. 3500/- per month. Unmarried/Widowed/divorced daughters are entitled to family pension for life, or till their re-marriage/earning more than Rs. 3500/- per month. The PPO issued to an officer on retirement includes family pension admissible to the widow of officer in case of his death. In such cases, the widow is only required to intimate the death of her husband to the Pension Disbursing Authority

(PDA).  She has to open a separate Single Bank Account. The pension will be deposited in her account. However, where such an endorsement does not exist, the widow has to submit application for Family Pension as per Appendix 'S' to PCDA (P), Allahabad, in duplicate to enable them to sanction Family Pension.

2.       Entitlement. The widow is entitled to draw Ordinary  Family Pension after  death of her husband at the rate of 30% of last pay drawn by the officer ie 60% of the pension drawn by the pensioner.

3.       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 Family Pension at enhanced rate, which is 50% of the last pay drawn, for a maximum period of 7 years or till the officer would have attained the age of 67 years, whichever is earlier.  W.e.f. 01.01.2006 in case of death in harness, enhanced pension will be granted for 1O years.

4.       Ordinary FamilyPension on Re-marriage.  W.e.f. 01.01.2006 Ordinary Family Pension in case of childless widow will continue after remarriage.

5.       Special  Family  Pension .Admissible   in   case   of   death   of   an   officer   on   account   of causes attributable to  or  aggravated  by Military service. The widow is entitled to  special  Family Pension at the uniform rate of 60%  of reckonable emoluments last drawn by the deceased officer,  subject  to a minimum of  Rs.7,000/-.

6.       Authorisation of Special Family Pension  to  pre-  01.01.1996  re-married  widows.  Special Family Pension has been authorized to pre 01.01.1996 re-married widows vide Government of India letter No. 1(1)/2001/D (Pen/Policy) dated 20 January 2009 whose Special Family Pension was stopped on re-marriage.  (The provisions of  GOI  letter of  31 January 2001  did not cover  pre 01.01.1996 re-married widows and their Special Family Pension remained discontinued till now).

7.    Additional Family Pension to old Family Pensioners. The quantum of family pension available to the old family pensioners shall be increased as follows :

Age of Family Pensioner	Additional Quantum of Family Pension
From 80 years to less than 85 years	20% of basic family pension
From 80 years to less than 90 years	30% of basic family pension
From 90 years to less than 95 years	40 % of basic family Pension
From 95 years to less than 100 years	50% of basic family pension
100 years or more	100% of basic family pension

ALLOWANCES RELATED TO GALLANTRY AWARDS

8.                Payment of Monetary Allowances in Respect  of  Gallantry  Awards.   Monetary  allowances entitled to gallantry award winners shall continue to be paid to NOK after demise of  the award winner. (Auth :- GOI, MOD letter No 3(6)/93/d (ceremonial) dated 31 Jan 1995).  However, Dearness Allowance is not admissible on monetary allowance for gallantry awards.

                 Rates  of  Monetary   Allowance   for   Gallantry  Awards.  The  current

              rates  for  monetary allowance for gallantry awards are as under :-

	Param Vir Chakra Ashok Chakra	Rs 10,000/- Rs 6,000/-
	Maha Vir Chakra Kirti Chakra	Rs 5,000/- Rs 4,500/-
	Vir Chakra Shaurya Chakra Sena Medal(G)	Rs 3,500/· Rs 3,000/- Rs 1,000/-

9.           AGIF  Extended  insurance Scheme    The Extended Insurance Scheme of AGIF covers erstwhile members, in case of death up to a specified period after retirement I release. Officers who retired after 1 Jul 1999 are covered up to Rs 3 lakhs in case of death up to 20 years after retirement I release or up to 72 years of age, whichever is earlier. Towards this end, a deduction Is made from the maturity benefits at the time of retirement and an Extended Insurance Certificate is issued.

        10.             With effect from 30 June 2009, the Extended Insurance Cover has been increased to Rs   lakhs . The scheme has again undergone revision from 31 Jul 2010, whereby the one time subscription will be refunded without interest to surviving members after a period of 26 years after retirement or 75 years of age, whichever is earlier. Members who have retired prior to 31 July 2010 will continue .to be covered under the scheme as mentioned in their Extended Insurance Certificate and refund of one time subscription will not be applicable to them.

11.              In case of re-employed officers, the El Cover remains suspended during the re-employed service and they are covered for insurance benefits as other serving officers. On cessation of re­ employed service, the pro-rata premium on account of El Cover for the suspended period of service, is refunded along with Maturity Benefits for the re-employed service. The El Cover becomes operative for the ·amount and upto the date admissible in accordance with El Certificate issued initially.

AOBF Platinum I Demise Grant

12.            With effect from 1 Aug 1997, the Octogenarian I Demise Grant has been increased to Rs 50,000/-                                            ·and the age of payment reduced from 80 years to 75 years.  It   has also been re-designated as Platinum I Demise Grant. It will now be paid at 75 years of age, or demise of the officer, whichever is earlier.  The payment is to be made on a sliding scale linked to service rendered by  the officer as under :-

(a)    Below 5 yrs of service                                                   NIL

(b)    5 to 10 years of service                                                 12500

(c)     15 to 20 Years of service                                             25000

(d)     20 years or moree of commissioned service   --     50000

(e)          NOK of the  Officers dying in harness and Officers boarded out will get the full amount on completion of 75 years of age.  Rs 20,000/- from AOBF and Rs 30,000/· from ACWF.(Auth :- SAO 2/S/98)

 Life Time Arrears.

13.               Life Time Arrears (LTA} is nothing but the amount of pension, or other service entitlements, which are I become due to the pensioner I family pensioner, but could not be paid to the ·pensioner I family pensioner due to his I her death .  The   LTA is considered as the estate of the deceased and is payable to the legal heirs. The LTA generally includes :·

a.       Broken period of the month for which pension is due ( eg., if the  pensioner has

expired on 10/8/2010, his pension for the period 1/8/2010 to 10/82010 will be paid as LTA).

b.      Arrears of pension due to increase in DA, Pay Commission, Court Judgements etc.). Kendriya Sainik Board

14.            Various types of financial assistance for financially distressed NOK, concessions and education reservations are available from Central and State Governments. The details of available schemes and application procedures can be viewed at the DGR Website at:­ http://www.dgrindia.com/directorate/kendriya.html

15     AWWA also has provision for financial assistance under certain circumstances. Details can be viewed at the AWWA website at http://awwa. in/index.php

Canteen Facilities

16.            Widows .of officers are entitled to purchase of canteen stores. They are als9 authorised to draw 5 bottles of Liquor per month.(Auth : Army HQ, QMG'S Br. DDGCS letter No 95286/SG/DDGCS dt 26 Sep 12).