indicate AIIPA's commitment to pensioners cause.
In spite
of these distortion and distractions pensioners of LIC are bound to emerge
victorious in the legal battle of two decades by the end of September this year.
----------------------------------------------------------------------------------K K D HANUMANTHARAO
PRESIDENT RETIRED L I C EMPLOYEES’ ASSOCIATION
MACHILIPATNAM DIVISION AFFILIATED TO AI R I E F
8)Erroneous Decisions by Supreme Court of India"
Please visit :
Erroneous Interpretation of Erroneous Decisions by ...
9)Respected Sir,Thank you for your mail. I had been in Vellore for 2 years only and have very few contacts only, that too who are still in service. However as advised by you ,I will try to find out some suitable persons who have influence over retired persons from Vellore Divn, to increase membership and for fund augmentation. I have been regularly following your valuable mails, messages, tit bits etc. which are, I need not say, as usual very worthy, educative and entertaining. My salutes to you for your tremendous efforts, energy, enthusiasm and dedication for the cause of pensioners even at this age. Hats off to you.
Regards,---------------------------------------------------R.Gowrisankaran
10)Dear Shri Asthanaji, Friends here seem to be in utter confusion. To give them confidence is of great importance. With this idea, I have analysed our case, of course, on the same lines I have been writing to you. I have tried to be general but could not avoid some legal terms. I firmly believe that with the decision in Nakaras case, Bhandari J decision clinches the issue. The mischief of the plea of Sec.48 notification, can very easily removed by arguing the notification giving rise to your cause of action now stands rectified. It is made applicable to all. Bhandari J has removed the discriminative part by reading it down. Therefore that notification is applicable to all. It was good earlier it has been successfully argued that there need be no notification. Now my argument is that there is modified notification. That will put to rest the whole controversy and make all other pleading etc. irrelevant. The appeal, writs will become redundant. -- A.S. Ramanathan,Retd. (fomerly Manager -Legal, Jaipur D.O)
11)Dear Shri kishore, I got my E card issued by theTPA.My fellow pensioners follow the procedure and get theirs which will do in the absence of IDcard from LIC
Regards-----------------------------------R.K.Viswanathan
Begin forwarded message:
Good Afternoon Sir,
MDID Number : MDI5-0028932476
Your MDIndia Identification number is MDI5-0028932476
Please find below mentioned is the process to sign in to your account on our website where you can check the policy status, claim status, download E-cards.
2) Click on My Account
3) Select LIC Login
4) Enter your Sr. No/ Employee code
5) Enter your Date of Birth as Password and click on login
6) For E-cards, click on Enrollment details
Please note date of birth/password should be in below format: dd/mm/yyyy (Forward slash '/' is mandatory)
Employee Code : 520062
Password : 01/09/1933
Please feel free to revert in case of any query.
Thanks & Regards,
Sugesh Panicker,
Customer Support Team,
MDIndia Healthcare Services (TPA) Pvt. Ltd.
S. No. 46/1, E-space, A-2 Building, 4th floor,
Nagar Road, Vadgaonsheri, Pune 411014
UAN No: 1860-233-4446, 1860-233-4448
Toll Free: 1800-233-1166, 1800-233-4505
12) Grammar &Shiva: MAHA PERIAVA, KANCHI
Thanks for this wonderful forward of maha periyava and what erudition!!!
------------------------------------------------------Kasiviswanathan,NABARD
B)HIGHLY ELEVATING SOULFUL SONG, DRIPPING WITH DEVOTION !HANKS FOR SHARING !
- BALU,Blore
| |
13)DEAR SRI.MAHADEVAN JI, YOUR INFERENCE ABOUT WHAT AILS THE
LEGAL FIGHT OF OUR PENSIONER COMMUNITY IS NOT TOTALLY CONCLUSIVE I
BELIEVE THAT IT IS ALSO AFFLICTED BY SOME OTHER AILMENTS TO BE
FRANK.WHEN THE LEGAL FIGHT REACHED A DECISIVE STAGE TO ACHIEVE
FRUITFUL RESULTS,IT IS BUT NATURAL THAT SOME SELFISH ELEMENTS WHO
PLAYED LOW PROFILE IN THE EARLY STAGES OF LEGAL FIGHT WITH SCANT
REGARD TO KNOW WHAT IS GOING ON WITH OUT EXTENDING EITHER MORAL
SUPPORT OR FINANCIAL SUPPORT THINKING THAT IT IS NOT WORTHWHILE TO BET
ON IT AT THAT JUNCTURE AND ALLOWED THE PIONEERS OF THE LEGAL FIGHT TO
"BURN" THEIR FINGERS.FORTUNATELY THE DEVELOPMENTS HAD TAKEN A
FAVOURABLE TURN AND TEMPTED MANY SELF STYLED LEADERS TO JUMP ON THE
BAND WAGON TO HIJACK THE INITIATIVES AND EARN WINDFALL CEDITAND PLAY
GIMMICKS TO CONFUSE THE GULLIBLE PENSIONERS AMONG US.NOW TOO MANY
COOKS JOINED THE FRAY TO SPOIL THE BROTH IN THE LAST MOMENT WHEN THE
HAPLESS PENSIONERS ARE ABOUT TO TASTE THE BROTH
MY APPEAL TO OUR PENSIONER BRETHERN IS NOT TO BECOME A
PREY TO THE MISLEADING STATEMENTS BY SUCH MISCHIEF MONGERS WHO ARE BENT
UPON HARMING OUR LEGAL FIGHT WITH ULTERIOR MOTIVES AND THE OSTENSIBLE
REASONS PROFFERED BY SUCH PEOPLE WILL APPEAR SPICY AND APPARENTLY
CONVINCING.
PLEASE BEWARE OF SUCH EVIL DESIGNS!
WITH WARM ------------------------- Jalaramaiah
14)Dear All, 1)The news from AIBRF that IBA has done everything wrong for pensioners so far ,is shocking & sickening to ENTIRE PENSIONERS FRATERNITY OF ALL ORGANISATIONS & INSTITUTIONS.
Daily,news were pouring in of each & every development in micro management of overall 15 % rise in wages agreed to by IBA from GS, Union Bank Retired Employees Assn, Rajkot Sri BGRaithatha,whose name is on the lips of everybody for his steadfast dedication to Pensioners & RBONC.This finale is also after a continued reminders, warnings, struggle ,strike by Employees at various turning points of fight to wrest from a measly rise in 1st few meetings & talks to some respectable level.Remember,as always AIBRF presented the Charter of Demands,they discussed umpteen times among various constituent Assns,many but yet methodically & cogently ,& month after month,progress was noticed, Employees & Pensioners sharing & caring, from lower level of equilibrium to higher level of equilibrium,UFBU & others closeted & all appreciating the contents, issues & problems of pensioners on Full DR & pension upgradation et all.
2)Last few days ,the cat was out of the bag.Pensioners Fedns knew that UFBU is signing the Final Agreement with IBA in a few days time WITHOUT any finality or any clue when Retirees Demands will be discussed.We saw the exchange of strong communications,the simmering discontent out in the open,& after specific,clearcut letters to UFBU, a meeting with top functionaries of UFBU & a sort of a rapproachment with assurance that UFBU cares for the concerns expressed by pensioners & their legitimate demands will be duly processed & met with.
3)i)Hardly has that feeling dried ,this sudden developments of ignoring Pensioners Demands,the DDay for signing 25th May for Employees approaching ,without anyone caring to realize the sidetracking of pensioners genuine issues, & emotional distress & also the news that post-10/2012 Pensioners absolute Pension will be reduced ,sends shock waves amongst all PENSIONERS of all Organisations.
ii)The news, if true, is RETROGRADE & EVEN anti-labour .An agreed Formula of Pension,released as PENSION RULES,1995,after prolonged talks then,whereby 50 % of BASIC PAY less 1/3 amount as Commuted pension defined & treated as BASIC PENSION, & commuted pension to be restored after 15 years from date of retirement,still remains the BEDROCK.Why, Central Govt powerful Pensioners Fedns demands include 40 % as commutation & 12 years for restoration.Others also followed suit.If because of Wage Revisions, Pension amount increases,say at highest level ,Rs85,000 now,so Rs47,500less 1/3 commutation so,Rs33,333, as against Rs52,000 earlier Charter for highest scale,so then Pension was Rs 26,000 less commutation, so Basic pension Rs17,333.Of course ,at lower levels, the difference will not be so glaring.That is why all pensioners pleaded for pension upgradation with every wage revision.Orgns cannot settle low wage rise just for that reason.
iii)BUT, to hear that IBA proposes to reduce absolute pension for post 10/2012,for banks the point when discrimination arose pre & post( as for insurance it is pre & post/8/1997),betrays backstabbing PLUS PERVERTED thinking & illegal & unconstitutional, in my humble opinion.Details are yet to be known.
4)i)UOI must be doing some –behind the scenes—activity.Feelers are sent ,a signal to stalemate pensioners progress & welfare,as though it is a non-entity.Talks of Sr Citizens welfare,amenities, preserving the standard of living & what not from podium & rooftops,but in practice, go slow, be strict Big Brother attitude prevails. Even for OROP ,with SC 5-Judge Bench presided over by then Hon then CJ.R.M.Lodha, like the Magna Carta 5 JUDGE Hon SC Bench Nakara judgement, 1983, of then Hon CJ Dr YVChandrachud,a watershed in PENSIONERS HISTORY & ever so many dissertations in V CPC, VI CPC , CG implementing in to to,for their employees/pensioners, State Govts following suit, PSUs of CG also follow the rule.
ii)OROP had many ups & downs,but now CG is implementing halfheartedly with date 1/1/2014 & not 1/1/2006 as ordered by SC Bench.Whither respect for Final SC Bench verdicts.CG has adroitly described the favour, as Army pensioners , special line of work& assignment & so deserved !
iii)T he 14th Finance Commission has observed that "a potential fiscal liability may arise in the future with the introduction of OROP for Defence services. Though budget provision was made last year 2014-15,payment not made,so this payment be deferred to FY 2015-16,as cost rise estimated will be 6.6%.For insurance,Kurukshetra legal battle goes on for more than 12 years causing frustration ,with 3HCs admitting writs & dismissing appeals,Reviews, Special Leave petitions & 15,000 deaths of pensioners.Who will wipe the tears of the widow ?
5)Actually, Financial & Service Sectors are the engines of growth & render fullest support to Govt activities & plans but to deny to them, who are real Kamadhenu,without whose support, the entire Govt machinery will come to a standstill is a mockery of equity,justice & fair play.What sort of discrimination UOI can practice allowing such pension upgradation for ALL Govt employees & RELUCTANT to grant the same to other Financial & Service sectors. That was the reason why ALL GROUPS of pensioners must have same wavelength,without any dissonance , in the overall interest of entire pensioners fraternity & question any violation of sacred principles of dividing pensioners into heterogeneous groups subverting homogeneous pensioners as clearly & categorically enunciated in various SC verdicts.All have stated the outlay is moderate & does not adversely affect finances.NPS scheme has already come into being, so tapering will start & numbers of pensioners will steadily dwindle.At such juncture to deny & to do DOUBLE injustice to restrict absolute pension looks to be a high-handed threat,uncalled for, a bitter pill to swallow,defies any sane imagination & so must be rooted out & nipped in the bud.Bank employees & pensioners must stop this & act as enablers to thwart this UNHOLY principle & bring cheers to all pensioners.Therein lies Bank Fedns wisdom & equanimity.Whole country is watching with bated breath.
Like todays terrific IPL T20 eliminator where CSK a cool CaptainMSD won by 3 wickets with 2 balls to spare, to enter Finals 24th May with Mumbai Indians,let 25th MAY 2015 announce Plans & progress for bank pensioners too
Greetings-------R.B.KISHORE VP,AIRIEF
15)In my every minute diary
dated 24/02/2015 I had raised the issue of Retirees/Pensioners as the
Bank Retirees Pension is freezed on retirement as it is not revised as
per bipartite wage revisions between the IBA and the Bank Unions. One of
the para of my earlier post dated 24/02/2015 read as under:
"While
revising the wages, the pensioners are denied the benefit of revision
as pensioners can not strike work to force the government to recognise
their long unblemished service of 35 to 40 years. Pensioners would have
not demanded any revision in their pensions had the cost of living been
arrested by the Government. It is unjustified on the part of any
government to freeze the pension of Bank Pensioners. One more
interesting fact is that a person who took birth on 31/10/1952, due to
God';s wish and not his or her on choice, retired on 31/10/2012 will not
get the pension as payable to his or her counterpart retiring on
01/11/2012 due to none of his or her fault. To remove such anomalies
Government should revise the pension of bank pensioners on every wage
revision."
As per the broad settlement inked by IBA with Bank Unions the final agreement was to be
inked within 90 days that is up to 23/05/2015 along with residual issues
including the issue of revising the pension of the existing retirees
and pensioners. But the existing bank pensioners have been left high and
dry to fend for themselves and the bank unions are likely to ink the
final wage revision with IBA on or before 25/05/2015. I fail to
understand the intentions of the Bank Unions and IBA to keep on
deferring the final wage revision for 90 days. I think that Bank Unions
and IBA do not like to make public the final agreement before signing so
that the bank employees may not critically examine the settlement. In
this era of "Right to Information" the bank employees have every right
to know the blueprint of the final agreement well before signing it by
the IBA with Bank Unions.
As per unconfirmed
reports a new interesting scenario about the fate of future retirees has
emerged and it has been inferred by calculative bank employees that
future retirees of the banks will get lesser pension as compared to the
retirees who retired on or before 31/10/2012. The IBA has thus killed
two stones with one bird. The existing retirees who retired on or before
31/10/2012 will not press for revision of their pension as their
pension will get reduced whereas the existing employees will be loser by
getting lesser pension as per classic example below:
Nov 2012 Net Pension under 9th & 10th Bipartite :Rs 14388.25 & 12740.32:Net Loss:--1647.93
May 2015 -----------------------do------------------Rs17,825.35 & 16,485.22 :Net Loss : -1340.13
16)Till last month, the circulars of UFBU and the statements of leaders upto end of April 2015, indicated as if they are hotly pursuing with IBA for settling certain demand of retired bankers. UFBU have already resisted any attempt by Retiree Associations get involved in the negotiation talks as they viewed it as part of the negotiations. Till 9th BPS also, the pension issue for the retired bankers was part of the negotiations, and thus everybody was hoping that leaders will be taking up the issue of retired bankers once they have concluded broadly the negotiations for the serving bankers. For last one week or so, retired bankers started getting feedback as if UFBU has withdrawn itself for taking up the issues of the retired bankers. It was too late for the retired bankers to understand and react to this volte face by UFBU in connivance with IBA.
Along with the Joint Note, they have released a Record Note of Discussions with IBA on the issues relating to Retired Bankers. We place below the copy of the record note for the benefit of all our retired colleagues so that they know exactly how they have cheated them:-"
[*POSTED IN THIS BLOG YESTERDAY]
TheRecord NOTE is a document which will be remembered for long time as Cheating Document by IBA and UFBU. In the said document IBA has introduced a new concept of "contractual relationship does not exist between banks and retirees". The periodic wage revision exercise based on mandate from member banks cover only wages and service conditions of serving employees.
After reading the above I was wondering what was the contractual relationship between retirees and banks when in the 9th BPS, 2nd pension option was given to retired bankers. What was the relationship between retirees and banks when pension option was extended from 1986 to benefit and please certain leaders of that period?
I feel the above argument will not stand the scrutiny of any Court. On the same pretext, we can conclude that the relationship between retired central government employees and government comes to end on the day the person has retired. Then why does every CPC gives number of benefits to central government employees. The pension matters in that case should not be part of the CPC. I am of the firm view that this is one more method to harass the retired bankers and deprive them their due benefits and leave them to the mercy of Courts where they need to spend lot of money and energy - which most of the senior retired bankers do not have.
The above is a shocking case of colluding between UFBU and IBA and ensure that retired bankers are left to fend for themselves. Now it is becoming clear as to why CHV was so threatening towards retired bankers association letter as he wanted to prepare ground for washing his hands from the issues relating to retired bankers.
17)The Record Note signed after discussions between the IBA and the Bank employees' Associations on 25/5/2015 is nothing but an agreement between two parties one of which is a collective group of Bank employees who have a conflict of interest in the subject matter discussed viz DR neutralisation in Pension and Pension upgradation at least till the dates of the retirement of their members. No representative body of existing Bank pensioners are signatories to this Note when the decisions recorded adversely affect them. The Record Note has conspicuously been agreed to behind the back of the real stakeholders. Cannot such a bipartite settlement be deemed illegal?
The Record Note is just like a trial and conviction of an innocent person by a court without the affected person committing any offence and without hearing him( and not even ex parte after summoning him! Greetings.------C H Mahadevan
18)definitely, L I C will follow the foot prints of I B A in our case also After Six weeks we Must Insist for contempt proceedings against L I C----Muthiah Periasamy.Tirunelveli
19) Dear RBI retirees
Awake & Arise RBI Retirees at least on reading what is happening in Banking Industry. What IBA talks is his master's voice (M o F). What is happening to our updation for the last 9 years is as per dictates of MoF. What is the reason for delay in the case of LIC retirees in Supreme Court is MoF who resort to filthy tactics of delaying cases in SC. What is the reason for not granting updation of pension in other Financial Institutions is MoF. If MoF is common cause everywhere for injustice and incumbent organisations are in helpless situation, we have to find new ways including uniting at macro level by all. However attempt of SHRI S.RAMACHANDRAN, AGED 77 YEARS,A RETIRED GM OF BOB is to be appreciated. Hope retirees of RBI in higher grades start writing to the Governor, PM and FM keeping in view legal position in this regard.
We appreciate Shri Mallikarjun Rao for his speed to work.
------------------------------------------L R Parab , GS, RBREA-Mumbai
20)Respected brethren, We have sufficient time to go through each and every column of variety of leading News Papers and understood the cause for the vehement agitations amidst the general public against the unethical and unreasonable approach of the Central Leaders in negating the demands of the aggrieved under some pretext or other. They feel shy of sparing time to sit, discuss and decide issues pertaining to long sufferers. However, they declare and celebrate in one loud voice like devotees in " Bhajan " that the subjects in our country have entered into heavenly life because of certain novel schemes introduced for the betterment of the Nation. They refuse to believe that they are confused and cheating themselves through these gimmicks.
Pensioner colleagues of Reserve Bank Of India are baffled to face the turn of events after the advent of the present Govt. At one time it was firmly believed that their problem would soon be solved because of the sincere efforts of RBI Governors during their tenure. Live Associations of all cadres are extending their full support towards DA neutralization and upward revision of pension. When will the ice start melting, it is anybody's guess.
Pensioners of Banking Industries, both Public & Private, were under the impression that the organisations of working employees would certainly come to their rescue in settlement of their twin demands during the current 10th bipartite settlement. To their dismay, the IBA has played the card very intelligently against the interests of the pensioners under " SUB-JUDICE FORMULA ". Now, the Pensioners' Federation has decided to fight on its own.
Our leaders have amply discussed about our predicament at the hands of bureaucrats, even after courts judgments.
We could hear several voices raised loudly through mail messages suggesting towards formation of United Forum representing pensioners of Public Sector Units / Undertakings ( LIC, GIC,RBI, Banks,etc.) to achieve other major common demands that are available to Central Govt.Pensioners / Family Pensioners. To give proper thrust over our other vital issues, such a united organisation becomes inevitable. United We Stand, Divided We Fall. Let us rise to the occasion and find ways and means to commence parleys with like minded organisations. It is food for thought. It is upto our leaders to take these suggestions forward.
Feed back from our activists will be highly appreciated.
Thanking you, Fraternally yours----- M.P.Subrahmanian, RIEA, Madurai.
21)Angu Gee,
Our Chairman has echoed his very much concern elaborately
that when our leaf will be served with the expected food and how
long we have to wait to get it solaced. The very much attitude of
the present politicians and the bureaucrats will in no way pave
the solution at present and we have to go a long way in struggling -
to achieve our cherished goal and for that we need so much patience.
We, the new retirees couldn't feel the pinch of the earlier retirees
from whom we have to inculcate a lot on tolerance !
Let it be done as it is and hope for the earlier dawning !
------------------------------------------SKulandaiswamy,Madurai
22) THX FOR SENDING THE COPY OF JUDGEMENT. ITHINK THIS CASE IS CONGRUENT TO OUR CASE.THE CASE MANAGERS SHOULD TRY TO GET ADVANTAGE OF THIS JUDGEMENT AS ALSO FROM UR ADVICE BEING GIV EN FROM TIME TO TIME.THE CASE MANAGERS IN THREE HCS SHOULD SINK THEIR DIFFERENCES IF ANY EVEN AT THIS STAGE AND JOINTLY PUT THEIR HEADS AND HEARTS TOGETHER AND WORK FOR ALL PENSIONERS FOR GETTING PENSION WITH UPDATION OF GRADES BESIDES DA FOR ALL INSTEAD OF SATISFYING THEIR PERSONAL EGOES/ CREDIT.KLY BRING THEM ALL TOGETHER FOR COMMON CAUSE AND WELFARE OF ALL. YOUR GOODSELF CAN MANAGE THEM ALL YES U CAN AND U WILL.
WITH LOT OF RESPECTS AND REGARDS-------------MSSACHDEVA
23)Bihar HC Case: A sound and wise judgment standing on the foundation of law,justice and equity. But, the larger question for us in the service of the Govt/s, is whether this judgment is applicable in our case except as a citation of a case l------KGopalan
24)Email to EDPersonnel, LIC CO :
Sir , Naman,Very good n informative to members n nicely covered n pointed out to ED P ,difficulties facing by all section of employees/Pensioners.
Salute to you. Regards -------------- Anand Tyagi
(To day Cabinet discussed one rank one pension issue of defense services n assigned the job to cabinet Secretary to clear the matter after discussing with concerned officers)
25)[PENSIONERS VOICE & SOUND TRACK Editor: R K Sahni ] SC judgment in Deokinandan Prasad vs State of Bihar
I reproduce the operative part of the judgment:
"Having due regard to the above decisions, we are of the opinion that the right of the petitioner to receive pension is property under Art. 3 1 (1) and by a mere executive order the State had no power to withhold the same. Similarly, the said claim is also property under Art. 19(1)(f) and it is not saved by sub-article (5) of Art. 19. Therefore, it follows that the order dated June 12, 1968 denying the petitioner right to receive pension affects the fundamental right of the petitioner under Arts. 19(1)(f) and 31(1) of the Constitution, and as such the writ petition under Art. 32 is maintainable."
--------------------------
"The order dated June 12, 1968 stating that under r. 46 of the Pension Rules, the Department is unable to grant the petitioner pension is also set aside and quashed. As the petitioner himself claims that he has been retired from service on superannuation, a writ of mandamus will be issued to the respondents directing them to consider the claim of the petitioner for payment of pension according to law. The writ petition is allowed to the extent indicated above. The petitioner is entitled to his costs from the first respondent, the State of Bihar.
V.P.S. Petition allowed."
The crux of the matter is that right to pension has been recognised by the Supreme Court as right to property.
I also reproduce a report of a more recent SC judgment of 2013 published in Hindu Businessline upholding the same concept:
"New Delhi, Aug 20:
Observing that gratuity and pension are hard earned benefits of an employee and right to receive pension is in the nature of "property", the Supreme Court has held that this right cannot be taken away from a government employee pending departmental or criminal proceedings.
"It is an accepted position that gratuity and pension are not the bounties. An employee earns these benefits by dint of his long, continuous, faithful and un-blemished service. It is thus hard earned benefit which accrues to an employee and is in the nature of "property".
"This right to property cannot be taken away without the due process of law as per the provisions of Article 300 A of the Constitution of India," a bench of justices K.S Radhakrishnan and A.K Sikri said.
The court passed the judgement while dismissing the appeal of Jharkhand government against the state's high court order directing it to release the withheld dues of its retired employee Jitendra Kumar Srivastava, who had criminal cases pending against him.
"We are of the opinion that the right of the petitioner (Srivastava) to receive pension is property under Article 31(1) (of the Constitution) and by a mere executive order the State had no power to withhold the same.
"The order dated June 12, 1968 denying the petitioner right to receive pension affects the fundamental right of the petitioner under Articles 19(1)(f) and 31(1)of Constitution, and as such the writ petition under Article 32 is maintainable," the bench said.
It also said "a person cannot be deprived of this pension without the authority of law, which is the Constitutional mandate enshrined in Article 300 A of the Constitution. It follows that attempt of the appellant to take away a part of pension or gratuity or even leave encashment without any statutory provision and under the umbrage of administrative instruction cannot be countenanced."
The state government had moved the apex court challenging the October 31, 2007 order of a division bench of the high court which had held that under the Bihar Pension Rules, the government does not have power to withhold gratuity and pension during the pendency of departmental or criminal proceeding and or withhold leave encashment at any stage either prior to or after conclusion of the proceeding.
The order of the high court had come on a writ petition filed by the petitioner, who had retired from the post of Artificial Insemination Officer, Ranchi in 2002, seeking release of part of his pension and other dues.
He had joined the Department of Animal Husbandry and Fisheries in Bihar government in 1966. In 1996 two cases were registered against him under various sections of Indian Penal Code and also Prevention of Corruption Act for alleged financial irregularities during the years 1990 and 1991 when he was posted as Artificial Insemination Officer, Ranchi.
After formation of state of Jharkhand, he became the employee of that state while his prosecution in two criminal cases remained pending.
After his retirement in 2002, the government sanctioned 90 percent provisional pension while remaining 10 percent pension and salary of his suspension period was withheld pending outcome of the criminal cases/departmental inquiry against him. He was also not paid leave encashment and gratuity.
(This article was published on August 20, 2013) "
Kind regards----------------------- C H Mahadevan
26)Dear Sir, I find that you are persistently and incessantly following up pensioners problems. I thank you and admire you for all your pains taking efforts.. As you are aware that I am also one of the pensioners waiting for One Time Option for Mediclaim enrollment. I have faith in your capacity and skill to get it.
With Regards,---------------------- E.C.J. Augustine
27)Dear Sir, Namasthe and my sincere thanks to you for the message.
The efforts made are showing positive results in SZ.
What is happening in other zones. The system followed by different Zones are different. Hence CO should ensure uniformity. Kindly take up issues with Z.Os also.
With kind regards, ______ Raghuaraman
28) Mapping the underwriting, process, servicing and claims for the Medical Scheme of the Employees and their family members of Member Banks of Indian Banks' Association
OBSERVATIONS & A LESSON TO LEARN BY LIC FOR EFFECTING IMPROVEMENT IN SERVIVING CLAIMS:
1)Though in the 10th Bipartite Wage Settlement for Banks with IBA ,Group Medi claim policy details in full are enumerated from Page 33 –56.
While the 32 pages, as is customary,are exhaustive presentations in several Paras & Clauses & Subclauses,I concentrate on last 3 pages ,Page 54,55 & 56 as above
For convenience, I have highlighted in different colours, to lay emphasis,to easily grasp the fundamentals,& to understand & appreciate the Rules & Procedures laid down, to enable us to compare with LIC Group MediClaim practices & under Select items to enhance & improve our practices.This does not, in any way,compromises the FFPolicy conditions & privileges but only salutary mechanisms Banks are endeavouring to install to make lives happier for all employees ,for medical treatment & hospitalization & to reap the fruits of the negotiations without hassles or any murmur.
2)Para 1 ,c)itself commences with a positive empathetic note, 'the collection of data of dependent family members at the initial stage may take long time. In such cases claims pertaining to dependent family members of employees pending collection of data may be settled on certification and recommendation of the appropriate authority of the respective bank. '
3)Para 6 mentions about allocation & use of Corporate buffer & nicely portrays "The unutilized Corporate Buffer of the member banks would now be proportionately available to the member banks whose Corporate Buffer has been totally utilized. This would be one of the major benefits of the Group underwriting of all the member banks under one policy and at the same time individual underwriting of each member banks for data processing, servicing and claims."—heartening to the Banks
4)Paras 8 & 9 are crucial,well laid down, pinpoints TPA role correctly & forcefully.In LIC ,TPA so far is invisible.For the fabulous premium LIC pays to New India,this role of TPA must be insisted upon.RBI Chief GM, HRD holds regular sessions of pensioners with TPA & jointly discuss problems ,issues & grievances & so are more prone & sensitive to urges & demands.Obviously, solutions also are reached quickly
LIC must aim to have same identical role for TPA "The Third Party Administrator, appointed by the lead insure viz United India Insurance Co. Ltd. will station their representative at the banks regional/ nodal offices from where these banks have been settling medical claims of their employees.
The Third Party Administrator, would have a Dedicated Office, Server and a 24 X 7 Call Centre for the Member Banks of the Indian Banks' Association. "
5)Paras 10 & 11 must be the be-all & end-all for LIC to draw polite attention of our TPAs & ensure right now such full participation of TPAs in daylight presence to empathise & fully cooperate with LIC Offices to settle claims, which takes unduly long time.If one reads these paras,one can realize how much behind we are & how LIC hesitates to book TPAs & command them to enhance efficiency to help ailingpersons to, afterall, get their claims settled vey expeditiously
6)Read "The employees would submit the claims to the same regional / nodal offices where they have been submitting in the past and the Third Party Administrator representative will be the backup support and ensure claim settlement is completed in thirty minutes.
(The Third Party Administrator should ensure placement of representative in all the regional/nodal offices of the member banks where the employees have been submitting their claims in the past)
What more is required,if this aim is fulfilled,that will be a great day for such real good practice to percolate to all TPAs & fulfilling abundantly the CORE PROBLEM for all coming under Mediclaim scheme
7)Para 12 is exemplary,as without rhyme or reason,rejections taking place ,can be avoided.It is gratifying that IBA & Bank Unions have virtually installed a built-in Ombudsman.
"No claims would be rejected by the insurance company/ Third Party Administrator unless the same is rejected by the committee comprising of the Bank management, Insurance Company, Third Party Administrator and K. M. Dastur Reinsurance Brokers Pvt Ltd.
8)Para 13 is a polite reminder to LIC to put in place a mechanism for Cashless Service ,with full cooperation of TPA & Hospital authorities.How much time it is taking, even to get an Ecard from TPA.Golden hour palpitation troubles our mind, family is disturbed,no proper velvet guidance to smoothen matters.But here "In case the employee or his family member gets admitted in any of the preferred Provider Network of hospitals on production of ID card, the hospital authority in turn shall notify by fax / mail the details of hospitalisation along with ID card number and Name of the employee to the Third Party Administrator, who would again revert by fax / mail a confirmation to the hospital to proceed with the claim. This would even enable them to claim from anywhere in India and they would be able to admit themselves in hospitals anywhere in India by merely calling the dedicated call centres of the Third Party Administrator, which would be working on a 24x7 basis. The Third Party Administrator, would even be able to advise the employees on the nearest hospital available in their area. In case of an emergency admission to a hospital which is not in PP Network, the employees also have a benefit to get himself admitted on a cashless basis by intimating the Third Party Administrator, call centre number, mentioning his ID card No and name. The hospital authority would fax / mail the details of hospitalisation to the Third Party Administrator, who would again revert by fax / mail a confirmation to the hospital to proceed with the claim. "
Here, all the nuances & variable circumstances which can arise in such Emergency situations, have been ably thought of, discussed & codified for the benfit of all parties for a complete understanding of this Vital & important issue ,for Cashless service.We pray LIC rises to the occasion & installs a hassle-free procedure without any detriment to the insured.
9)In LIC, neither Employees nor Pensioners have availed cashless service,is the talk of the town.That situation must disappear, all because Cashless Facility to be availed must contain such roots& essence inscribed in Bank deal with TPA skillfully
This is echoed brightly in their Para 14, "Most of the claims would be cashless; which would be paid directly to the hospital concerned. "
It is LIC's duty to get transformed to make this a reality.
10)Para 16 is another eye-opener.Read : "Wherever the hospitals are not in the approved list of Third Party Administrator, the Third Party Administrator should take necessary action for addition of those hospitals on their network hospital list in consultation with bank. In an emergency the claim payment would be paid to the hospital account and empanelment of the hospital would be considered."
What more is required,so liberal, maximum empathy & consideration ,indeed needs emulation & practice in LIC too
11)Para 17 also demonstrates flexibility "All the addition and deletion of the employees and dependents of the various member banks would be done on a monthly basis. A newly recruited employee would automatically be admitted in the medical scheme from the date of his appointment letter "
12)Para 18 hits the bulls eye as it pertains to Id Card.We are clamouring ever since LIC CO circular of 31 March 2015 & 14 April, 2015.
We appeal & entreat to LIC to implement such salutary & liberal practices ,without any further delay.
"ID cards will be prepared within 10 working days from the date of receipt of data. These cards can be couriered to the respective branch office in which the employee is located. The cards can be distributed by at the branch office by the bank's branch manager / any other person who is made responsible for the same. Corrections in cards, if any can be e-mailed to an exclusive id which will be exclusive for cards correction errors. This cards will be corrected and resent within 2 working days from the receipt of correction mail.
Please go through & help the insured to experience contentment & happiness,even when dire need forces him for hospitalization by making considerable improvements right from now on, to educate & enforce discipline amongst TPAs.Please also implement various provisions so correctly incorporated in Bank mediclaim agreement & certainly LIC must outwit banks with a democratic practice & calling us representatives alongwith TPAs to sort out issues & problems for a happy tomorrow
Greetings, ----- R.B.KISHORE, VP,AIRIEF
29) Most learned, richly experienced & law abiding pensioner colleagues,
Namaskar. This message reaches you second time.
With regard to implementation of orders of Supreme Court, we are yet to know the real intention of LIC. But, position becomes clear that UOI is not pleased to render justice to the working and retired employees. This becomes evident from the approach of UOI / FM / DFM & the concerned Secretaries towards the same pending issues of Ex-Service Men, Bank Retirees ( including RBI ) & Pensioners / Family Pensioners of Insurance Industries. They seldom give respect to the judgments of Courts . All of them are vying with each other as to how best matters could be traversed with unethical arguments and dragged on the issues and finally thrown to dustbins.
Army people have shown the way as to how the rulers should be made to realize their wrong approach and bring them to senses. They are forced to adopt ' Boycott Programmes ' .There are about 25 lakh army retirees.
Working and Retired Employees in RBI are unitedly fighting against the lackadaisical approach of the bureaucracy. They have staged dharna programmes during Board Meetings.
During the 10th BPS of Bank Employees, GOI have shown their real face through a ' Record Note ' conveniently negating the demands of Bank Retirees. They have made IBA & UFBU as scapegoats. The Bank Retirees have decided to part with the working employees' associations and face the onslaught of Managements joining unitedly with similar organisations in an independent style for common causes. They are prepared to fight through legal processes too in a bigger way. Some 2000 elderly pensioners of Bank Units have assembled from different parts, unmindful of their ages, ailments & inconvenience and expressed their anguish protesting against IBA through a powerful demonstration.
The recent above scenarios should have by now opened our eyes indeed. One or two articles have started appearing in our e-mail messages. Time is ripe for our mighty organisation to ponder over this aspect and find ways and means to follow suit and take our fight on in a similar style which gives no scope for any further escape by the powers that be.
It is unfortunate that there are few notorious individuals and organisations among us with an ulterior motive to sabotage our legal successes. They fail to understand that their moves are against the interest of our own community and that they help the bureaucracy to sit tight on our issues. What next, in case LIC / GOI were to delay in implementing the final judgment of Supreme Court ? OROP issue is an eye opener.
A beginning should be made to organize CONFEDERATION OF FEDERATIONS representing pensioners of Public Sector Units, Public Sector Undertakings, similar Financial institutions, LIC & GIC to fight for common causes. Such moves only will open the eyes of the bureaucrats to settle not only the present cent percent neutralization DA / DR & periodical upward revision of pension on every wage settlement, but also our other major pending issues. The bureaucrats should be made to realize that all the other pensioners are not different from those of GOI and every pensioner should be treated alike since all are the subjects of UOI.
It is suggested that an urgent meeting of our leaders in the helm should be arranged at the earliest i.e sufficiently earlier to 23rd September and leaders from other like minded organizations should be invited for chalking out effective programmes which yield the desired results. Slowly we try to understand the time consuming and lengthy processes adopted in all Courts.
I hope this small message will lead to an enlarged discussion shortly. ORGANIZATIONAL STRENGTH IS ALWAYS VITAL.
With a happy note, Fraternally Yours-----, M.P.Subrahmanian, Chairman, RIEA, Madurai.
COLLECTIONS: R.B.KISHORE, VP,AIRIEF : 1/6/2015
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