Dear all who will retire.....some advises, if u feel they will help:
As ur access to portal as employee will cease on the very next day after ur retirement, do take 2 prints each of the following for future use always n record:
1. Ur last days gratuity stmt
2. Ur last days PF stmt
3. Ur leave record stmt
4. Ur last 10 months pay slip
5. Ur annual yearly print (even though the last payslip might not be incorporated therein since it gets generated afterwards)
6. Ur commutation calculation
7. Ur pension calculation etc
8. U should have completed all pension form filling papers well in time before u retire ( last month) these papers r forwarded to HO only after ur retirement, thus do not push officials.
9. Ensure u get ur retiree I card n note ur annuity no. ( both nia n LIC) just like u remembered ur sr. No. Note them in ur mobile. Keep copies of commutation, pf, leave encashment official amount released letters.
10. If u do not have personal email id, generate one n note it for future official use alongwith a mobile no.
11. Copies of photo, cheque, passbook, aadhar. Pan of ur own n spouse should be kept handy
12 ur pension account can only have spouse as joint holder. In case no spouse then single holder. U can have percent wise nominee in the account also, if u want access to be give to more than 1 child. Always keep a copy of ur pension calculation sheet released by HO n forwarded to dealing office. In case they have not handed over, ask for it n preserve it.
13. Do ensure u pay ur mediclaim premium for the remaining days of the financial year, in case u r retiring in March, 2 premiums have to be paid. Group Mediclaim is always paid in advance.
14. Since our policy is much better than other policies, if possible have ur family enrolled from beginning...son daughter in law, grand kids, daughter n son in law, parents n in laws. If u cannot afford, reimburse premium from them, but GIPSA/HITPA benefits r much more.
15. If u so deem it fit, Keep aside 30 lakhs for senior citizen Saving Service account available in any post office or bank. Take quarterly or half yearly intt earned from here, if u require money in excess of ur pension.
16. Ensure u have the interest tax free PPF fund n deposit max upto150000 in it . Again available in any postoffice or some banks.
17. Try n prepare a will - if u deem it fit, first for transfer to ur spouse and there after to whomsoever u feel fit. Avoid being emotional n handing over finance n assets to ur kids. Till u r not a burden on them, u will be looked after, hopefully.
18 keep a separate file for all investments. U should keep updated information there as to email id's and mobile no.'s of contact people helping for pension, mediclaim n investments. Any friends no. Who u think will help in guiding n as support.
Hope I have covered all topics🙏
Thereafter relax n enjoy as u have most probably put in hard work of many years n Done away with all ur duties n responsibilities .
Best of luck n Happy New innings
Warm regards
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