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Friday, 28 November 2014





Presentation of Paper on Organisational Strategy for AIRIEF:LOOKING AHEAD

A)Distinguished  Leaders & Office Bearers,Delegates,Observers,beloved Pensioners,affectionate AIRIEF family &friends,ladies & gentlemen,

i)It was surprising that revered GS Sri VCJain entrusted  this topic to me, a humble servant & activist of AIRIEF for too long.I am no Dr Johnson.It was said of Dr Johnson that there was nothing which he did not touch which he did not adorn.That is, everything he touched he adorned with distinction.

ii)Yet, in all humility & modesty,before this august assembly, I , as a sincere & serious activist, an ardent & devoted worker,as one who in his working days in LIC as also thereafter, regarded WORK as WORSHIP in this WORKSHOP of ours.I have strained myself too much for too long in most adverse family conditions of looking after my 2nd elder brother ,who remained a bachelor & worked intently to serve the cause of the family by foregoing promotions in Railways, by getting married our 2 sisters &  myself & my wife Seetha looked after him so well that for 21 years,he spent happy retired life passed away at age 86.So too, my dear mother-in-law who somehow regarded me as her son & I even otherwise ,by nature, kind & affectionate to all developed as a trait & virtue which I still harbour,to you all, dear dear Pensioners,she had a sudden heart attack,timely saved, after 3 yrs she again had  a severe stroke, saved again,accidental fall at home,successful implant in her left leg,12 months bedridden, ever so many needs attended to with Mother Teresasian bonds of affection,bapre, unforgettable ,I even fondled & caressed her to give her positive strokes,alas, after 12 months she left us in the lurch leaving we 2 alone ! I have already shouldered too many such tasks which I am performing with some gusto for many many years,without getting stale,Yet, unmindful, I had terrible concentration as a loyal AIRIEFian & indeed friends & comrades, a wide variation of efforts & talents & skills is available but lethargy & laziness drowns those virtues.Can you ever see Assets becoming Liabilities by own volition, that,remember is reprehensible.Loyalty & Discipline are vital ingredients for GROUPS to thrive & succeed.
B)            1)We all had a wonderful & eventful career in LIC. Came out of the cage of employment, old age set in,we turned a new page,pension became our new wage. AIRIEF is a large Umbrella of pensioners of ALL classes.It is of the pensioners, by the pensioners, for the pensioners.The Motto is to Relax, Reflect,Recapture & to  toil hard for the uplift, common welfare of pensioners to confer Peace,Serenity, Dignity &Tranquillity.Unless we dream dreams, we can’t build Vision. AIRIEF became a bridge of understanding problems & issues,to dare to dream & to pursue a path untread  hitherto. AIRIEF was built. not on shifting sands but durable sweat & labour,labour of love & sacrifice.We have assiduously worked hard for resolving many outstanding issues.
2) During its chequered existence for near 2 decades , to be precise 18 yrs,,AIRIEF clicked many notable achievements ,which benefited many of our pensioners.
i)Ex-gratia for pre-1986 retirees was achieved after great struggle.
ii)Medical insurance benefit to spouses of deceased pensioners after lot of persuasion & follow-up.
iii)One more option to those who have not joined MediClaim scheme then.
Please do pay premium before 15 March EVERY YEAR, not to wait till last day 31 March or else we lose a good benefit,& now after FFPolicy mediclaim,more so as we are all ageing with many ailments to our debit.
iv)After protracted reminders & struggle, we could achieve exgratia of Rs1000pm to spouse of  predeceased exgratia retirees.
v) Pensioners do face difficulties in getting pension. After talks with management, where ECS or direct credit to pensioner’s bank account facility is availed, stamped Advance Receipt was not insisted upon.
It is to the credit of AIRIEF that many administrative matters/procedures acting as bottleneck for  pensioners ,endeavours were made to highlight the problem & remove those obstacles.
-Supply of pension order/pass book containing all particulars of pensioner,especially basic pension,commuted amount, date of restoration ,nominee etc
-Pensioners can include Nomination for Pension file ,to take care of title, for any outstanding pension amount etc.Fill up the Form,hand over to Pension cell,DO & get it registered.
vi)Restoration of Commuted pension,thanx to our intervention,clarity in thinking prevailed,as many even in Offices thought falls due after 5/2010 only & then came a CO Circular ER/A/Pension dt 8/10/2008 enclosing earlier CO CircularZD/836/ASP/95 dt 7/8/1995 with clear conditions  spelt out & cases falling earlier from 11/2008 were also paid due attention.Now it is fairly regularized.
vii) Many were surprised when they learnt AIRIEF has submitted a Charter of Demands for Pensioners ! Indeed it was necessary as unfulfilled, emerging & out-of-the-box thinking problems & issues have been nicely incorporated therein.
viii)An impossible ,never-to-dream Golden Jubilee celebration of cash award of Rs3000 in lieu of Gold coin,thanx to RIEA, Jaipur so meticulous in  deep analysis & removal of any anamoly or discrepancy for pensioners cause & AIRIEF efforts
ix) Gratuity arrears for Class I retired 1/4/93-31/7/94 with SI 10% on the basis of historic SCourt verdict.12/2/08 & CO Circular 19/3/08.
x) AIRIEF was able to press management to restore cashless service for mediclaim,which facility , earlier available was mercilessly removed by a stroke of the pen wef 1/4 /2004. We also pursued  with LIC Management to ensure maximum benefits arising out of  pro-Elders report on Health Insce by the IRDA Committee constituted for that purpose. AIRIEF also offerred valuable suggestions to the Committee before & after publication too .Many of our suggestions were accepted & included in the report..
xi)You are aware of  the historic victory of AIRIEF in partnership with Kozhikode Class I Officers’ Assn,who diligently & valiantly pursued this case for 6 years 1st & after success by a Single judge verdict, when LIC decided  to go in for appeal,the 2 Member Bench also dismissed LIC appeal at Kerala HC. Yet, LIC persisted in appeal to SC in the form of SLP & after another 2 yrs, SC gave its historic judgement against LIC & awarding that Class I Officers retired during 1/4/1993 to 31/7/1994 will be eligible for difference in Gratuity after implementing the then wage revision. So, it was a Saga of Sacrifice
LIC CO Circular dt  18 March,2008 for payment with SI of 10%,procedural matters & proof etc spelt out therein. Such was the involvement that no time was wasted in pressuring management & all will agree this has resulted in a good bonanza for all eligible as SI of 10%  allowed exceeded  principal arrears totalling a respectable amount for the recipients.
xii)We were proud to announce that as a result of Civil Writ Petition 1128 of 1997 filed by our late Sri MLGandhi(Retd Dy ZM) & Others for quashing Rule 9 of LIC Class I (Revision of terms & conditions) Amendment Rules 1996 re Gratuity,the Hon HC of Punjab& Haryana delivered verdict ,in favour of the Petitioners ,on 4/7/2008  at Chandigarh,quoting Hon Supreme Court Judgement dt 12/2/08 in Civil Appeal 1289 of 2007 with directions to Respondents to grant consequential benefits ,irrespective of date of retirement ,on revised pay within 3 months.
AIRIEF lost no time & Sri MLGandhi sent Memorandum to LIC Chairman stressing extending difference in gratuity payment to Officers retired between 1/8/1992—31/3/1993 & to be on safe side filed Caveat Petition also on 3/9/08. Chairman  allowed & CO  issued instructions to pay difference in Gratuity with SI of10% vide Per/ER/A/G-68/1  dt 19/9/08
xiii)AIRIEF evolved as a dependable treasure-house of information based on reliable data. It became possible to develop a roadmap to reach the promised land of legitimate comfort & grace with the greying days post retirement. AIRIEF was & is the watchdog of all pensioners problems for reaching a reasonable & respectable  settlement  on many matters vital to the collective interests & welfare of entire Pensioner Fraternity
We do not want to count on the burden of responsibility.We want to earn your blessings.
xiv)There were many moments of  lament, of disenchantment, of frustration. But still, undaunted, unmindful of the long voyage ahead, we immersed ourselves in the unfathomable depth of the most complicated ,most time-consuming, hardest ,knotty problem to crack,that of Pension Upgradation with 100 % DR,same as for Employees.It will be difficult to recount the ups & downs, the trials & tribulations,the resistance,the single-track mind of the Powers that be, in spite of a clear realization of the gravity of the situation, the anamolies that abound, & yet immovable to seek & solve the problem in favour of the elders.
xv)a)AIRIEF devoted all efforts & energy ,with a single-minded devotion in the preparation of Tables & Charts ,LOSS of PENSION CHART which clearly brought out the gaping anamolies, distortions  in pension of various cadres  ,Ready Reckoners, pointing out the anamolies ever-increasing charter after charter.We dissected the Basic Pension, DR for various Grades Asst to ED, clearly pointing out that within 1st & 2nd Wage revision after the Pension Rules came into being, AAO getting more pension than pre-8/97 ED, then Asst getting more pension than pre 8/97 ED, &  after 3rd wage revision 1/8/2007-31/7/2012, even  a RC securing  more pension than pre-8/97 ED. Comparative charts supported by data & statistics were circulated to LIC management & Ministry of Finance.
b) We undertook tours, several visits to Mumbai meeting top management, having dialogues with them to understand reality.We had liaison with RBI, SBI, United Forum of Bank Assns, AllIndia Govt Pensioners’ Fedn. We met MOF Officials many times. Many MPs were mobilized at several places.We had informal talks with LIC Board Members. AIRIEF was quick to update all data after every wage talks finalization.
xvi)Our marathon meeting with the then Chairman Sri GNBajpai for 110 mts produced some favouarable change in thinking resulting in LIC Board resolution 24/11/2001 recommending a package of Rs6-8 crores. We relentlessly followed up, expressed our view for betterment of that formula,removing some lacuna , with pension upgradation & fitment weightage. We directed our focus on MOF, met Under-Secretary & Joint Sy several times.Our patience & persistence atleast paid some dividends in the form of a letter from UnderSy, MOF, dt 10/4/2002 that pension upgradation is under consideration & requesting GIC/GIPSA to give their views in merger of DR wef 1/8/97 with BP, again a merger of revised DR with New BP at 1/8/2002 to arrive at New BP as at that point of time.This was a clear opening.
xvii)AIRIEF then prepared the Loss of Pension charts since beginning for all cadres & it was a great eye-opener & mindboggling.We highlighted in all EC/GCmeetings when Special Chief Guests,Labour leaders,other Organisation representatives  & LIC dignitaries are present.We made no secret of it, shared in our valuable House Magazine, Varistha Vaani being released at regular intervals. We did not rest with these. We knew if a thrust & forward movement was needed, we must mobilize ,collect Court Cases in our favour.  A massive , unprecedented collection, collation was made for a forceful & aggressive presentation from legal standpoint.Marathon interchange & exchange of quick emails ,unmindful of unease & discomfort, physical & mental,at this advanced age , all for a labour of love & sacrifice was done for a holistic presentation to remove all deficiencies.
  xviii) Enhancement of Basic Exgratia to pre-1986 Retirees who get pittance of Rs300 pm or to grant  Medical assistance, on the pattern of RBI ,ranging from Rs3000pm to Rs5600pm for different  categories,lowest to highest.   A paltry rise is now granted to exgratia retirees & a small dose to  Spouse/dependants with DR too.Recently,after Govt approval, LIC increased exgratia to Rs350+DR,&  CMB-Cash Medical Benefit  of RS1000pm  wef  21/7/2014.Spouses secure a rise Rs 175 +DR  & CMB of Rs500 with DR
xix)AIRIEF is fighting  for Pension up gradation with 100% DR to secure the right to pension revision with every wage revision. Look at RBI , 6th Pay Comn with improvements accepted, a bonanza. Minimum Pension becomes Rs4060 as against Rs2813 earlier. Maximum Pension , not Pay, rises to a whopping Rs52,200 as against Rs33075 before. We are all in 4th Pay Commn mode ! 20 years behind. We have emphasized that Sr Citizens should not be treated as Secondary Citizens. Even if we are not VIPs,we cannot be treated as UIPs-Unimportant Persons.
 xx)Improvement in Family Pension  to 30% of Basic Pay, instead of present graded FP ,which is very low & thus to eliminate restrictive Appendix  V . Govt FP is much higher than LIC Regular Pension! When we get a pittance of FP ranging fromRs1100 –Rs5200 +DR for Asst to ED level,Govt FP jumps to Rs18,000 +DR,look at this LIC homemaker Lilliputian & Govt Brobdignanian !!
xxi)Weightage under Rule 27, as they receive proportionate reduced pension only. Already everywhere minimum 20 years of service is implemented. Then why not be gracious is what we ask LIC & MOF.Earlier, Govt gave addition of 5 years notionally to benefit such pensioners. Here too, Jaipur cases are pending & will be taken up after we heave a sigh of relief  & celebrate ,when SC Bench upholds Equity & Equality & brands discrimination as violation of Fundamental Rights enshrined in Constitution granting us the much-needed & much-sought pension up gradation & Full DR with appropriate effective dates soon
xxii)We are continuously pleading with LIC to constitute Consultative Committee to resolve grievances of pensioners, as part of HRD endeavours,especially when for every other class it exists. Other Pensioner Feds have such an outlet for face to face meeting. Plus SBI went further & issues  Qly  House Journal SECOND INNINGS, rightly christened , under Sr GM HRD  aegis a beautiful, qualitative HM indeed .WHY NOT  our VARISTHA VAANI go online with a website then?
xxiii)Many were surprised when they learnt AIRIEF has submitted a Charter of Demands for Pensioners ! Indeed it was necessary as unfulfilled, emerging & out-of-the-box thinking problems & issues have been nicely incorporated therein.
xxiv)Court cases  have reached a pinnacle.We never looked back after historic & unique Hon SJBhandaris judgement allowing both the writs of Sri KMLAsthana  6676/1998 & 654/2007 on pension upgradation.So many forward movements  regularly winning & one step forward always  was hailed by entire pensioner fraternity though pinpricks came in the form of lopsided DR only School believed & perpetuated   running for meetings with LIC Top Mgt & even MOF Sy DFS. We articulated in no uncertain terms not only in KURUKSHETRA Booklet released on 2nd Nov 2012 at AIRIEF , Ahmadabad GC but also in various Articles & dissertations. Delay & dither from LIC/MOF always take place. Wheels of judicial machinery move slowly. All eyes & ears are on final outcome on 12/11/2014 with SC Bench.With bated breath, we look at the final results. Even when crucified at the altar of justice,fighting vigorously & valiantly ,for a justifiable & justifiable cause of all pensioners’ fraternity,which we,AIRIEF proudly proclaim as none else has done in a wholesome manner for evolving a complete & satisfactory solution, not a truncated one only for 100 % DR. What a wonderful day it will be for ALL Groups of pensioners,pre-8/1997 & post.8/1997 too. An optimist invented the  aeroplane; a pessimist invented the parachute.We are optimists & pragmatists. Let there be a new dawn, after all the years of dusk; let there be light at the end of the tunnel after all these darkness hitherto. Let this landmark judgment bring cheer & smile in the hearts & minds of all insurance pensioners. Let AIRIEF  be a testimony for ALL pensioners to be rid of the yoke  of a restrictive Appendix IV formula & a liberation in the form of a pension revision every 5 years
C )1)Our persistent efforts to improve the lot  & WELFARE of all pensioners, for so long, years I must say, actually near 2 decades ,continues unabated.
*When we are sure of the correctness, truthfulness,genuineness of our demands,        
*when we have placed before LIC Management the modest,legitimate aspirations of a vast body of pensioners,                                                                                               
*when we dinned into their ears all through & all along,the growing, gaping, unbridgeable anamolies charter after charter,                                                                       
*when we sweated & prepared laborious,painstaking charts & calculations with outlayetc
 *when we attempted all modes & means to achieve our noble plea & request to enlightened management,     
*when we highlighted it in ever so many forceful ways in our valuable  mouthpiece, Varistha Vaani ,
 
*when we made all plans & strategies to see that questions on this subject are raised in Parliament,
*when at many places activists met then Minister of State for Finance, several Ministers who matter, influential MPs ,Rahul Gandhi, Hon Ministers Jyotiraditya Scindia, Dinsha Patel, Chaudhary, earlier LIC Board  Members,  & nownew LIC Board Members, Smt Nirmala  Sitaraman, Sri Venkaih Naidu,many MPs from Andhra Pradesh close to Powers that be, 23 August 2014, MOF Sy FS Dr G.S.Sandhu  & Sy Pensions Sri --------- submitted Pithy Petitions & Memorandums with facts & figures & urgent need for redressal
*when Hon Chairman, AIRIEF Sri Madusudhan Mistry ,with Ahmedabad OBs, met then  Hon FM Pranab Mukerjee on 5/7/2010,
               
We felt a sense of disappointment, the lack of commitment & aggressiveness on the part of management, the submissive ,retracing steps pursued by them, sure of the logic of demand & convinced of the correctness of our cause,  but unable to fulfil  the AIRIEF well laid-out plan ,                                  yet some ray of hope, some lateral thinking, some bombardment, some reinforcement, perennial telephone talks to keep the problem alive without being thrown out & forgotten in the dead dustbin of history,
                  Let us hope & pray 2014 end  atleast brings  respite to this long drawn-out struggle& PROCLAIMED & DESERVED VICTORY for ALL groups of pensioners
D)Many would have noticed slowly & steadily  ,over the years,
 --the quantity & volume of activities of AIRIEF –ALL INDIA RETD INSCE  EMPLOYEES FEDN ,of all classes of retirees,
--the quality & texture of our operations ,
--the width & breadth of our coverage,
--the persistence & patience of our endeavours
--the enlightened communication we do to pensioners silently but assertively,
--the multi-dimensional approach to pensioners issues
 --the search for pensioners woes & grievances & highlighting them in appropriate fora
-- the extent of pain, labour, effort, energy, money & sacrifice spent for & on behalf of pensioners,considering them as sacred & our responsibility,many new entrants to pensioners category &new RIEAs  might not have heard or witnessed, & we expect reciprocity
--after that landmark,historic Hon Justice Bhandaris  judgement dt 12/1/2010 CLEARING POSITIVELY THE TWIN ISSUES OF 100% DR for pre-8/97 pensioners & pension revision for all groups after every wage revision
--the wide network we built up, the rapport with LIC Board members continuously & assiduously for the last many years,& in future too.even to get the names of LIC Board Members is so difficult, &
--the important meeting with Hon FM on 5/7/2010 with our Hon Chairman Sri Madusudhan Mistry,influential Congressman & Ahmedabad Office Bearers
 --the classic independent opinion of 2 pages of the beaconlight of legal jurisprudence,97 yr old Hon Senior Judge(Retd)Supreme Court,Justice VRKrishna Iyer to then FM Pranab Mukerjee, forcefully asking for honouring the judgement in f/o pensioners,
 --our Qly House Magazine & Mouthpiece  Varistha Vaani, with valuable info, charts & developments, health tips , humour ,LIC progress,RIEA meets & photographs depicting AIRIEF Motto-Relax,Reflect,Recapture--Peace,Serenity & Dignity
-for which alone we are fighting ,waging a long drawn-out legal  battle,but hopeful, optimistic & pragmatic in view of a flood of case laws in our favour & support garnered & presented like pearls of wisdom to buttress our strong arguments with facts & figures,comparative charts & incisive analysis & above all even a spate of recent SC Verdicts all in pensioner s  favour
--read & benefit by the reality of the burning issues portrayed & presented as powerful Resolutions to be presented to LIC Mgt & concerned Authorities & methodical  fup,
E) i)AIRIEF in its chequered  18 year history,Child to Infant to Adult,so to say,started  walking, running & now STAGE to GALLOP like an Australian Kangaroo
                OF COURSE, AIRIEF has an IMPRESSIVE VARIETY OF MULTI-DIMENSIONAL RECORDS & RELEASES AS A REFERNCE-POINT & TREASURE-TROVE FOR POSTERITY

Who has released any SOUVENIR?
who has released A TREASURE OF BOOKLET KURUKSHETRA,52 pages?
who has released 24 PAGE CHARTER OF DEMANDS ?

WHO released CCC-Clippings, Collections & Compilations SERIES No 120 by MARCH 2014,denoting historic,consecutive, unbroken record of 10 years,covering pension,legal cases, economic.financial, LIC, political, international,Quotes & Humour 

WHO HAS RELEASED PENSIONERS EMAILS & FEEDBACK FORTNIGHTLY SERIES 86, ie3 yrs 7 mths already.

WHO HAS RELEASED ARTICLES OR DISSERTATIONS OR CLARIFICATIONS OR COUNTER AFFIDAVIT OR POINTS FOR ADVOCATES or SLP Rejoinders   etc in such great DETAILS as a PERMANENT COMPENDIUM & REFERENCE

WHO HAS MET CHAIRMAN & TOP MGT & SECURED SOME GOOD CONCESSIONS FOR RELEASE OF CO CIRCULAR AFFECTING PENSIONERS ON SAME DAY?

WHO HAS MET ZM & OTHER IMPORTANT OFFICIALS & got SO MANY CONCESSIONS & BENEFITS  to SO MANY, SO EASILY & REGULARISED  & CELEBRATED FOUNDERS’ DAY ON 16/9/2014,CHENNAI  SZM INNOVATIVE IDEA

WHO HAS PREPARED ELABORATE as also SUMMARY OF ISSUES IN HCs/SC & ever so many positive & favourable verdicts to LIC Board Members

Who has prepared MEMORANDUM to IMPORTANT OPINION LEADERS,LIC Board Members & POLITICIANS to SPEED UP PENSION Upgradation settlement?

WHO has spoken consistently on VITAL ISSUES to forewarn LIC TOP MGT FOR CONSIDERATION on Family Floater Policy, extension of date for Optional SA Option,pleading for TPA ID Cards for CASHLESS SERVICE & Extension of Hospitals .
ZM,RMOS at ZOHqrs & CO Chairman, MD, EDP, Chief P, Sy P & COOS now for Pensioners Data, ZO wise,DOwise & Totals,Pensioners Portal for which we gave exhaustive & useful 4-Page Suggestions for incorporation for Pensioner-friendly data retrieval

ALL THESE WE DO ONLY WITH THE CONCERN OF WELFARE & PROGRESS OF 47000 PENSIONERS & TO ENSURE FAIR & QUICK REDRESSAL OF THEIR PROBLEMS.
THAT DESIRE & PASSION must be AT THE PIT OF YOUR STOMACH. MERE COMPASSION NOT DEMONSTRATED through ACTION IS OF NO USE,IT IS NO BETTER THAN CROCODILE TEARS.

                ii)The principles & practices enunciated & pleaded  by AIRIEF ,therefore, points out to absolute sincerity & sticking to basic & fundamental postulates ,demanding High Courts pronunciations without ambiguity.  It should be an honourable solution for the Elders who stood like a Rock of Gibralter,laying foundation, superstructure, shaping all policies, embarked on Reorganization, a major successful venture, best Training,HRD & Marketing practices ,timely introduction & extension of Computer services & laying transparent accounting & other standards unparalleled in annals of any institution.        
                iii)   Their sweat & toil during long ,dedicated years of service & their devotion & dedication for the last near 2 decades, in spite of trials & tribulations,lack of resources,lack of mobility, disabilities of old age,visits & talks at many levels, continuous followup ,should be recognized & rewarded.So, commonsense, logic & unassailable contradictions , ambiguities, paradoxes must make the High Courts & Supreme Court  sit up & award both upgradation of pension,which alone can render meaning & significance to DR rise & 100% DR.  Deprivation for so many years has risen skyhigh with DA ,DR difference per slab going up with every 5 year wage charter.
iv)This brooks no delay in rectification & the Courts with an open mind,benevolently granting Retrospective effect from a SIGNIFICANT cut-off date, which we pondered & pointed out earlier,100% DR wef 1/8/1997,or date of retirement ,if earlier,when Discrimination arose,BPension rise wef 1/1/2002(immediately after famous GNBajpai LIC Board Resolution ) or 1/8/2002,commencement of a Wage Charter OR atleast 1/1/2007, CWP 654/2007 writ. 
F) If we know what to do , we do it.  If we don’t know what to do, we talk about it.If we don’t know how to talk about it, we write a report about it. Pardon me,friends
i)Please remember, many times we have to act like a man of thinking & so too, many times we have to think like a man of action. We want for AIRIEF badly Thinkers & Doers,Status quo regime is anaethema  in todays labour union history.Revamp is not an easy affair,but change for better, protect & promote more RIEAs , strengthen them , RIEA to be imbued with imaginative, dynamic young pensioners 60-70 yrs who cannot be allowed to take it easy but work hard with dedication for Parent AIRIEF which has brought us all to this respectable level. Pray we soon climb the ladder ,clinch the pension upgradation deal,pat us on the back, look back with a sense of immense satisfaction,awe, inspiration, true glow in our hearts,realization of sweet dreams ,yes of course turned into vision & conferring real peace & tranquility to all groups of pensioners.
The best way to cheer yourself up is to try to cheer somebody else up.That is what we are doing. People don’t grow old; when they stop growing, they become old. So,we appeal to you, in all humility, to join us by enrolling yourselves & your friends& affiliate your Association with AIRIEF .as Members of this representative organization of yours to help us to help you in the common task of upliftment of all pensioners & family pensioners in our sincere & serious attempt to age gracefully. Names of  Stalwarts who steer the affairs of AIRIEF at various places are found on the left hand side of the  LetterHead, also with their Telephone no for easy approach & clarification.
ii)On 5/12/2016, AIRIEF completes   a landmark 2 Decades 20 years,long enough in its decorated journey,all of us here & elsewhere as part & parcel of RIEA/AIRIEF must take a Sankalpa ,like Bhishma who takes a vow  & fulfils it,must legitimately consider as an important limb & contributor, a Profit Centre, not a Cost centre.Equally, we must remind ourselves that like Hanuman, we have not realized our true potential,rediscover, understand that we must be alive to happenings & events ,rise to the occasion, enlarge the membership significantly & make Young Turk pensioners   as invaluable OBs & Contributors & Makers of DESTINY.26 months remain, reinvent, reengineer, radiate a communication crusade, confined to a smaller numbers now, but hereafter must resonate & like a stone thrown in a pond spreads in concentric circle to all corners .
G) SWOT :
STRENGTHS :Elders Knowledge, skills, experience,mature,more balanced
Talents galore,personification of patience & perseverance,
Reason,logic, incisive, holistic analysis,
Adept in planning & strategy,can devise ACTION PLAN
Speaking, writing, communication skills, ABUNDANT & to be utilised
Plentiful contacts in different fields be properly enhanced & promoted .
Sound Constitution as an edifice & amended on 7/2/2008
Loss of Pension Charts,with weightage, without weightage,fitment charts,Outlay etc
HCMehta’s Formula of Multiplier factor for wages & pension for internal relativity
Code of Conduct evolved at Jamshedpur GC, a high watermark for proper proceedings

WEAKNESS :Lack of numbers,cant force decisions,no lung power,no strike power,
Old,older, oldest,poor health,disabilities,many unfit to travel,
No active,committed, consistent,dedicated, devoted individuals in large numbers
No press relations, no public relations, no political relations,no clout,
Large number of inactive,passive RIEAs & pensioners,
Apathy, non-chalance, lack of networking,
NO adequate financial resources,new areas or avenues not explored
Dissipation ,fragmentation, blank spots,untouched areas,lack of synergy 
MANY negative, debilitating factors by way of poor pension,family pension
Poor Retirement benefits,no saving, no investment ,few alternative avenues
Switchover from  EEExempt to EETaxable if it comes again for maturity proceeds will wreck all savings plans of many including Elders
When we make in-depth, open, ruthless analysis with reflection & introspection emerge:
DATA rich but ACTION poor
UNDER REGULATED & UNDERGOVERNED, NAMO’s  principle of Maximum Governance & Minimum Govt also, we are not able to follow.
ABSENSE of sense of OWNERSHIP & BELONGING
FEW INDIVIDUAL HEROES, AS a TEAM ZERO
PERVASIVE MEDIOCRITY ,VALUES OF MERITOCRACY not realized
EASY GOING, NO SENSE OF responsibility,
NO REGARD  for INFORMATION Audit & Followup,
NO CLEAR  S,T MT, LTERM  VIEW OF HORIZON
LACK OF SENSITIVITY & RESPONSIVENESS
OPPORTUNITIES: Pensioners Numbers growing,families/wards a good social congregation for familiarity
Outstanding issues many remain, some major, some minor
New Issues will crop up,Only reliable Platform for pensioners
Heavy & onerous responsibility as Employees have not joined with Pensioners to quicken solutions
Pensioners Fedns not really active & vibrant,caravan moves on, attitude
Others silent & slow, so time to move fast & capture sizeable Membership
Social moorings, share & care, small news, issues, religious,financial & general always liked
Pensioners yearn to know developments, health issues,Income tax matters,time to circulate
Variegated talents a powerful combine for tackling many issues
Taxation,mediclaim,education & training,also fertile ground for Elders
Learn from other Banks,RBI, SBI Pensioner fedns working,websites etc
Personality & Identity of its own like Rotary,Lion, Probus Club etc possible
THREATS :Low involvement  spreads inactivity & decay. Very few meetings a bane
Top dynamism,bubbling with enthusiasm, if absent, mars progress,witnesses decline
Absence of continued communication or information or feedback action, recoils & as Bernad Shaw observed ‘ Indifference is worse than hatred ’
Lack of consistency bedevils,centralized, unified command,if missing rank & file lose interest & even forget such an organization.
To be enthroned is not as important as not to be dethroned thro inactivity & lack of touch with base units frequently
Other pensioners orgns present a tilted picture,woo members, inactivity,no info , no developments induces lack of interest & induces migration
Multiple pensioners organizations a bane  weakening each orgn & no real, sustained interest or fup done.
Pensioners Fedns not even recognized.not called for talks or during employees wage charter negotiations
N o proper Forum to discuss grievances or representations  of pensioners
Equal facilities as given to employees Unions not at all given
No space offered for pensioners orgns to meet, talk, conduct their affairs & help pensioners
Colossal waste of time, energy, money labour for pursuing same issues with Mgt or MOF/UOI  many times repeatedly
No deadline fixed for solving pensioners problems highlighted or at least  on which some progress or understanding has taken place

H)ATTRIBUTES OF A SOUND,STABLE,STRONG ORGANISATION :
AWARENESS,   AUTHENTICITY,    HEALTHY TRADITION , FOCUS,  PRO-ACTIVE,  FAITH 
CAPACITY,  CAPABILITY,  ATTITUDE,,TRUST,GOODWILL,GRATITUDE,CONFIDENCE
RESTRAINT,CONDUCT,HONESTY,INTEGRITY,COMMUNICATION CHANNEL
BONDING,TEAM WORK,TECHNOLOGY,SMS,EMAIL ETC,UNDERSTANDING
EXPECTATIONS,BRAND/LOGO,VISIBILITY,DEADLINE
PUBLIC RELATIONS, IMAGE MANAGEMENT
I)i)OUR EC MEMBERS & OTHER OBs MUST MEET OS OFFICIALS,& SDM. THEY CANNOT REFUSE APPOINTMENT AS ALL THE LIST & OTHER STATEMENTS ,ONE CAN GET EVEN  THRO RTI, CERTAINLY OFFICES WILL SUPPLY COMFORTABLY.

*THE LIST OF PENSIONERS IN FULL WITH CADRE,ADDRESS,MOBILE NO.
 *RETIREMENTS OF NEXT YEAR,
*LIST OF PENSIONERS TO GET COMMUTED AMOUNT RESTORATION –2 YEARS
*LIST OF PENSIONERS AGE MORE THAN 80 YRS—FOR HONOURING etc
*31 MARCH, 30 SEP STATISTICS OF PENSIONERS, 

                ii)LET US REMEMBER, WE AS FEDERATION CANNOT BOW TO MGT BUT SHD PRESENT UNITED STAND. WE OURSELVES CANNOT FORECLOSE OUR PROBLEMS AS THO IT IS DESTINY & A CURSE.
WITHOUT A PENSIONERS LIST,HOW CAN WE ENROL, HOW CAN WE MOBILISE MEMBERS?
 EVEN AFTER THAT, OFFICE BEARERS OF RIEA IN PARTICULAR, EC MEMBERS, ACTIVISTS MUST DO THEIR JOB AS WORTHY VOLUNTEERS. PENSIONER LEADERS SHD IDENTIFY WITH ORGN EFFORT, SUGGEST BETTER WAYS & METHODS TO SUCCEED

 LET VARIABLE RESULTS COME.  RESULTS CANNOT BE ZERO. TODAYS MGT AT HIGHER LEVELS IS FREE, FRANK, IF NOT POSSIBLE, THEY MAY SAY SO. THEN WE WORK OUT NEXT BEST SOLUTION
LET US TRY MAXIMUM TO GET WHATEVER BENEFITS OR CONCESSIONS ARE POSSIBLE
 PERSONAL  & PUBLIC RELATIONS RESOLVES MANY ISSUES.


 iii)         SRI ANGURAJAN,AIOS  HAS DONE A MARVELLOUS JOB ,HE  WILL TAKE 2/3 NEIGHBOURING DIVNS OF 3 MORE ZONES .MORE EFFORTS ETC WITH GS AIRIEF & VP, JS, EC OF THAT ZONE & ANY OTHER ACTIVIST RIEA WHO HAS BEEN DOING A FINE JOB EVEN EARLIER. THERE SHD NOT BE ANY ENVY. EACH SHD HELP  EACH OTHER.HE IS REGULARLY TALKING TO U& SENDING EMAILS .ARE U NOT HAPPY HE IS DOING SUCH AN EXTENSIVE SMS LIKE  FLASH..THIS SHD EXCITE MEMBERS & RIEAs

 iv)          ORGN EFFORT IS ALWAYS COLLECTIVE. IT IS A TEAM, IF DIRECTLY OR INDIRECTLY WE GET BENEFIT  DUE TO ANY GOOD FORWARD THRUST OF ANY PERSON, IT IS GOOD.HE KNOWS HIS JOB, HE DOES  IT. BUT SYNERGY WILL NOT BE THERE.PROGRESS WILL BE SLOW.TOO LITTLE OR ONLY SPORADIC EFFORTS AT VERY FEW PLACES WILL NOT BE SUFFICIENT. GO THRO ENCLOSURE, SUMMARY OF BIG DIVISIONS PENSIONERS,WHICH CONSTITUTE 70 % OF THAT ZONE PENSIONERS.SOME SPECIAL EFFORTS & MOTIVATION MUST BE SUPPLIED TO THEM AS COMPETITION FROM OTHER/RIVAL PENSIONER FEDNS  IS HIGH. THAT DOES NOT MEAN, WE WITHDRAW & ALLOW THEM TO REAP THE WIND !
MUMBAI, DELHI, KOLKATA,CHENNAI  & MANY MORE,DENOMINATOR OF PENSIONERS IS HUGE. PERCENTAGE COVERED IS PALTRY.

v)            a)AIRIEF TOTAL MEMBERS  ITSELF IS  MODERATE,THO WE ARE SUPPOSED TO BE THE LEADERS OF THE LEGAL CRUSADE.where have we stumbled ? Does it mean others also were ONLOOKERS,NOT PARTICIPANTS FOR FORWARD MOVEMENT ? WE SHD RAISE THESE QUERIES AMONGST OURSELVES & FIND OUT ANSWERS. Numbers has risen, but not adequately. Even NEW RIEAs are inaugurated,ok.NOT ALL NEED BE DONE IN A MEETING. GENERAL SECRETARY  CAN CIRCULATE, ASK  THINKTANK & ACTIVISTS, LET THEM PINPOINT SOLUTIONS. LAZINESS WILL DISAPPEAR & BUSY—NESS   WILL SET IN.

b)Get  Pensioners list, Tel nos, send circulars & Appeals  to the address given, keep personal touch on & off telephoning, SDM/Mgr  OS,PR, efforts to improve, Submit Memorandum on  Founders Day,Resolve  PROBLEMS/ ISSUES/ GRIEVANCES . RIEA OBs, EC Members, OTHER ACTIVISTS & VOLUNTEERS must issue PERIODICAL CIRCULARS/BULLETINS BY POST, enough  ONCE IN 45 DAYS NOW & ONCE IN 60 DAYS TOO after  WE WIN THE FINAL VICTORY in SUPREME COURT. Meantime, HM Varistha Vaani comes Qly & completes the gap.Let activists continue the email news,views, charts whatever transpires regularly.But most important is TEAM-Together Everybody Achieves More to translate into action

c)WE  should act on our own volition. NO coaxing or cajoling.ALL HAVE ALL DATA required for this purpose PENSIONERS LIST from LIC DOs.TELEPHONE/MOBILE all COMMUNICATION DEVICES help us to move fast. MERE EMAIL ID  INFO  is  too CIRCUMSCRIBED as  those NOT COVERED BY INTERNET IS HUGE & MAY BE EVEN AROUND 75 %
THINKERS & DOERS COMBINED ALONE can do WONDERS in much SHORTER TIME.

d)WHY NOT SEPARATE  FAMILY PENSIONERS  LIST FUP, THEIR SPECIAL  NEEDS, ADVICE, EXTRA MILE TO ASSIST THEM FOR EVER SO MANY EXISTING, NEW THINGS WHICH  THEY CANNOT UNDERSTAND,WHY SHD THEY LOSE BENEFITS----SUPPLY TIPS, SIMPLE CALCULATIONS,EMPATHISE  FULLY,
J)  i))AIRIEF POSITIONING  IMPORTANT :Quality, Service,Distribution & Packaging,
 Inclinations  to perform real, useful work,& internalization of all duties & responsibilities
BRANDS are not in balance sheet but must remain,sink in the minds of stakeholders pensioners
Pensioners must feel a real Sense of Ownership
Expansion of Units is always about engagement with that noble idea
AIRIEF needs active Marketing effort  to  showcase  its Achievements, din it into the ears of all pensioners. What all we have done in this direction is totally insufficient. PR  efforts have been minimal. It has touched only a fringe of the problem.
ii)EVALUATION :Rudyard Kipling 6 masters—Who,When, Where, Why, What   How.    EVALUATION IS A VIRTUE. WE DO FOR DOMESTIC NEEDS. SHOULD WE NOT DO MORE EMPHATICALLY FOR PENSIONERS, near 50,000  ALL INDIA ..Those who have not done anything assert they have done.They try to snatch credit to them, even opposing some genuine demands of AIRIEF.
This leads to SUPERVISION & CONTROL, & AS PENSIONERS Fedns are loose-knit, already there is an air of dilution of standards .
K)I)         i)DATA BANK &THINK TANK :Choose & earmark Activists to collect, collate, interpret,prepare Tables & Charts,circulate mass of data on RP,FP,Exgratia retirees, DR,Family Floater Policy, analysis,Fup on ONE MORE MEDICLAIM OPTION. Interact with Data Bank analysis,chalk out fup with LIC Top Mgt,fup with MOF,Evolve new & novel ideas Eg.Ensure ALL DEV OFFICERS all over India,join RIEA/AIRIEF .I met many AI PresidentSri G.Nagesh & Secretary General, NFIFWI Sri Vivek Singh &  SZ GS  SriS.Anand, ,recently I secured their email id & Mobile Nos 75th Birthday of Sri K.Chandrasekaran Chennai ,Academy of Insce Marketing Former Chairman, Sri GKrishnamurthy & Sri ThomasMathew & many more.I also spoke,function to be seen to be believed & what a Volunteer force cooperation.We can learn lessons for better creation of ideas, execution  & pouring of love & affection.
                ii) LOOK AT THE BEWILDERING VARIETY OF  DATA  PREPARED BY PUBLIC SCTOR BANKS PENSIONERS FEDNS ON DATA OF PENSIONERS AS AT 31 OCT 2012 & IMPACT OF PENSION UPGRADATION. WHOLE RAINBOW OF DATA, NUMBER OF PENSIONERS ,GROUPWISE, NO OF DEATHS, SURVIVING PENSIONERS, PENSION BILL, IF PARITY GIVEN WHAT EFFECT, SO TOO FOR FAMILY PENSIONERS & THEN TOTAL. THE DATA THEY HAVE ALSO INCLUDES PENSION  FUND  LIABILITY ACTUARIAL VALUATION, IN SHORT ,THE WHOLE GAMUT OF RELEVANT DATA TO DERIVE CORRECT CONCLUSIONS
2)            RESOURCE PERSONS:Induce & cultivate Specialisation for RTI,step in easy procedures & application for RTI, response ,action or Appeal, powerful weapon protecting pensioners rights, nicely worded MEMORANDUMS to many AUTHORITIES,Thorough collection of Legal cases of Banks, RBI,SBI etc,study in-depth of HC & SC Judgements affecting pensioners,Stock of fine arguments about LIC Financial Muscle, solidity & solvency, outlay per year peanuts for LIC etc,continuous process,learning & enhancing confidence, counter arguments or Affidavits pucca,mastery of legal processes, etc
3)            LIASION OFFICER/PR/EXTERNAL ORGN  : Collect data of sister Fedns of RBI,SBI, CG/SG,Defence, AIBRF/UBRF,policies& Programmes,Charter,Subscribe to their House Magazines,wealth of data,  Action Plan.Participate in their Functions,make appearances  & also
4)            i)NERVE CENTRE: Here only the DATA BANK & THINK TANK  , RESOURCE PERSONS & LIAISON OFFICER /PR Members  OPINIONS  , REPORTS OR  NOTES must CONVERGE for quick consideration & final solution thro discussions or suitable interventions.Any number of such Situations or Issues/Problems or New Policies announced ,general  members doubts emerge. Must be the Topmost Authority for AIRIEF,ensuring  Constitution is respected,happy recollections to   formulate Our Constitution in the company of Sri HCMehta Updation,then refined in 2008,some amendments we postponed or dropped,to create a Disciplinary Committee as an adjunct to AIRIEF Constitution ,Page 5,Clause IV d, granting power to EC the right of intervention,giving directions to Affiliated Assns which shall be binding,also Clause IV e,power to EC to suspend affiliation of any Assn.which on its opinion is guilty of any breach of AIRIEF byelaws ,& similarly Page 7,Clause V b,  about declaring Defaulting  Assn from voting disqualification,  when Levies,Donations as may be fixed & called for,& also Page 2, Clause II c, AIRIEF  as an independent body not affiliated to any in-service organization of LIC, GIC,GIPSA , or to any political party Sri HCMehta, the then PRESIDENT  & myself  prepared CODE OF CONDUCT for GC meetings at JAMSHEDPUR  GC
ii)NEGOTIATING COMMITTEE/WING as part of NERVE CENTRE:
Only Affiliated Assns  &AIRIEF MEMBERS SHD BE INCLUDED IN Negotiating Committee
They shd be competent,
They must keep themselves abreast of developments,
They must exchange emails on vital topics to keep afresh & alert,
They must have independent thinking,they shd be able to converse well,
They shd drive home the points & issues clearly
They shd be thorough & professional.
They shd participate in the talks with an open mind to score success in talks with LIC management etc
They must have enough relevant & copious data to click with management
They shd undertake comparative study ,if to be done,  & submit to AIRIEF for more & better views
They shd be good negotiators to impress the Management or other party the reasonableness of demands
They shd be able & good communicators to wrest attention by Management.
They shd be friendly & not try a scoring point without substance or meaning.
They shd uphold the tenets, principles & practices of AIRIEF & keep it as a guiding star

It will be desirable  for this Body to meet frequently or adequately to do justice to the problem.
LEADERS of AIRIEF/RIEAs  must be Veterans of standing imbued with a spirit of social service.  When once the modalities are ready, when once the meeting takes place to take stock of the situation & review performance, a sense of déjà vu must prevail & permeate. Systems when put in place works of its own, a periodical impetus & thrust has to be given
5)  COMMUNICATION CRUSADE: i) AIOS +2 MORE AIRIEF +LOCAL   INTERNAL ORGN RIEA.
Form, Inform, Reform, Transform & PERFORM.Various RIEA meetings with AIRIEF Top OBs & activists   bring closer relationship, many queries are answered,pending problems & fup are explained.That gives fresh air,gives confidence in leadership.
      OLD BJP/UPA1,UPA2 Lethargy & despondency  , NAMO, Hopes & Expectations,Dynamism
Did u dream  20 litres ATM Water CAIRNS  for a mere Rs5 for Rajasthan villages ,25,000 benefit initially
Did  we dream of   Metro Rail or Mono Rail & u see more & more cities already in the offing & inauguration
Did we dream of PATTA online for Chennau on experimental basis in 2 wards & later to be extended to all
Are  we not elated with ISRO MARS Mangallyan MISSION ,totally indigenous so successful ?
NAMO  Teawala to PM, 1.2 BILLION  INDIA,LOOK AT HIS BRAVE DECISIONS;DELETE OBSOLETE LAWS, OFFICE ON TIME FOR BUREAUCRATS,DEADLINES FOR MINISTERS,CLEAN GANGA,
                ii)Sad , We have handed over POWER OF PUBLICITY & MIND DOMINANCE IN PR PARLANCE to SriPGG, licpensioners chronicle blog. He has to be lauded for his virtue & having deftly created a beehive for his blog. Basically ,it is AIIEA/AIIPA  blog. Rarely any info about their activities  appear .That AIIPA is having a GC in North, Kanpur is known only thro Sri Gangaraju’s mention in Chronicle. We said elsewhere, AIIPA has put spokes in our forward march, we truthfully asserted that AIIEA will never join Pensioners to support them .We have to learn from Banking Industry,how deftly, they ,in spite of so many Assns,Pensioners Fedns, do meet, consult & all problems of pensioners are included in CHARTER & equally they take it up feverishly with IBA & MOF.That is UBRF & AIBRF. That is what it ought to be, not criticize pension upgradation, LIC will become bankrupt etc, going to LIC & MOF to plead for SINGLE BENEFIT of pre-8/97 pensioners DR. & other utterances do not speak well of unity & homogeneity.Those  who can’t send to their own RIEA/AIRIEF want publicity all over & so they revel in it.
iii)It is our misfortune, after initial euphoria with so many useful,sterling ,worthwhile  features, Chennai blog was discontinued. That was a sad commentary. Sri PVVithlani is a veteran in this field managing AIRIEF & General Insce blog. When I went thro recently, I found it is not updated, no one supplies him info perhaps, nor any authority, EC or OBs have atleast looked into it. See how Sad it is, we have resigned to abdication of work, we don’t want to take any extra care or burden.We don’t want even to assist a person who is willing to do a handsome job ,useful for entire pensioners We  abandoned  without even testing & tasting its powerful influence
iv)Sri PVVithlani is doing but for AIRIEF right instructions, insertions to be indicated or sent to his email id or blog id are not widely circulated. So it is floating .LOOK at  PGG  5 LAC HITS, IT IS LIKE A RUNNING  STREAM, already crossed  6 lakhs now. We have to exist before we coexist.
v)But our blog or website ,when done & updated, should be better codified into different subject matters & articles or ideas or charts with illustrations must flow like a stream to respective disciplines. Committees constituted shd have responsibility to shoulder this communication channel as a productive weapon of mass consumption ,establishing our presence conspicuously & even rebutting wrong views & sending right signals. BIG DATA IS USEFUL BUT only WHEN CONTEXTUALISED.
vi)NAMES OF ELECTED  EC of RIEAs must be published fully.Sometimes, it comes in Varistha Vaani but in defective, incomplete form.Name, address, Mobile No & email id, if available can do wonders. Each one of us do not know even 5/6 OBs RIEA or DELEGATES names from RIEAs.That is pathetic.  IT IS LIKE CRICKET CAPTAIN NOT KNOWING HIS TEAM,ITS DIMENSIONS
vii)It is time, as AIRIEF enters 18—20 yrs of its fruitful existence, VVAANI must go online. Take help at Hyderabad IT specialists, easily it can be done. Look at EASTERN NEWS,Mouthpiece of Kolkata Retd Class I Officers Assn. SO WONDERFUL, NEWS, CONTENTS, ARTICLES, CHARTS, PHOTOS ALL FLASHED ON THE DOT MONTHLY,veritable mine of information.1 year completed so soon. Do that you will earn appreciation & above all gratitude.  Others who don’t have internet or email id, posting will continue. Due cost aspect & subscription should not be a difficult matter to decide.
6)            FINANCE IS A LUBRICATING OIL ;STRENGTHEN.:i) Rs200 donation X minimum 5000 Pensioners =Rs10,00,000 Many good & ideal activities for the larger benefit of Pensioners can be planned.Coming years with a  fairly stable enhanced Balance Sheet  thanx to hectic efforts & fup by GS & all down the line in various RIEAs,it is INCUMBENT that the new dispensation duly elected adhere to canons of accounting standards of high quality, absolute care in deployment of funds & PRIORITY areas are attended to first.President,GS & Treasurer in particular will have an onerous responsibility to swear by the AIRIEF Constitution & take all measures to enhance the funds, to protect viability of AIRIEF till eternity as a continuing Body of All India pensioners. The motto should be continuity with change.
                ii)It must be ensured  that all Regions of RIEAs existing & New RIEAs to be created with due advance preparations & contacts with select Pensioners from List of that LIC DO retirees ,a meeting is arranged  with due pensioner-related materials for distribution & inauguration.
                iii)In respect of Legal cases, it is desirable to make a distinction between Writs exclusively where it will accrue for the benefit of Petitioners & other Writs applicable to Petitioners but to confer benefit to all-India  Pensioners, when case is finally won.1st category can be undertaken by the respective  RIEA.  2nd category will be under the aegis of that RIEA,but supported substantially by AIRIEF with all-India  donations.However after victory in respective HCs, when case goes to SC, AIRIEF will bear the entire expenses after due procedures are followed.
iv)SO, 1, 2,3,4,5, &6, above,AIRIEF WINGS ,better not Committees,bad word, so too I hate Pension Cell, Mess instead of Canteen.For above 6 Wings in all, we can have app.6 Members each  all over India ,in all 36 Members crucial organisers drawn from all Zones ,& indirectly a compulsion to come prepared for the meet,give a fillip & impetus to be Thinking individuals & Notes circulated so that AllIndia President, GS,AIOS  can, after circulating & securing views & suggestions,amend & consolidate giving final touches.Such operational Fellowship, when stabilized, will yield fruits in the medium & long term.
7)            i)AIRIEF Technology upgradation,  internet, more numbers on email ids, SMS with Mobile Nos.,MORE SOPHISTICATION NEEDED. MOBILE IS A MUST for sending SMS, IT IS A boon.  STILL MANY  OBs AIRIEF,RIEAS  have not supplied mobile no.  THESE SHD APPEAR IN VVAANI .Look at Bank Federations,some have ideal WEBSITES ,flash of latest news,all want to browse such websites. Email, SMS, Facebook insertions, Twitter by President/GS/AIOS/VP/JT Sys must echo & echo why not ?
ii)AIM HIGH & LOOK FAR, AMBITION & ASPIRATION acts as an accelerator  RAO SHUN,Father of modern literature observed,there are no roads on earth at all, only the footprints left by your forerunners from the roads. We have to purge inefficiency & promote efficiency. It is an immutable law in WORKING  that words are words,expectations are expectations,promise are promises ,but only Performance is reality. Success demands a price,it is always better to pay the price of success than to suffer the cost of failure
8)i)Convert  mere care to Concern, contribution to Commitment,be Responsible & Responsive,
DREAM without TASK = UTOPIA
TASK without DREAM=DRUDGERY
DREAM + TASK=PERFORMANCE
Failing TO plan = PLANNING to FAIL
ii)WE need Knowledge capital, Information capital  & SKILLS updation .Many do not know the Basics all pensioners should know. Mental slums are more dangerous than material slums .SPREAD SUCCESS STORIES of RIEAs, benefits won for pensioners  like FFPolicy for Mediclaim.LET IT be  AN EXAMPLE & BE INFECTIOUS ,THRO INTROSPECTION
9)            i)I  released AIRIEF EDUCATION SERIES 1 & 2 MEMBERSHIP ANALYSIS, RP/FP DATA, POSSIBILITIES, TASK CUT OUT, VISION & MISSION with OBJECTIVES & GOALS to reach 21,658 on some realistic assumptions,even conservative, not aggressive. WE cannot afford to have so many tailenders,we need compulsorily MORE & MAXIMUM GIFTED NATURALS, PUGNACIOUS PERFORMERS,WORKAHOLICS . WISHBONE CAN NEVER REPLACE THE BACKBONE.WANTING TO DO WILL BE MORE IMPORTANT THAN BEING ABLE TO DO,WE NEVER KNOW HOW HIGH WE ARE, TILL WE ARE CALLED TO RISE .THOMAS EDISON SAID, IF WE ALL DID THE THINGS WE ARE CAPABLE OF DOING ,WE WOULD  LITERALLY ASTOUND OURSELVES.
ii)MODERNISATION OF EQUIPMENT IS NEEDED,BUT MORE IMPORTANT IS MODERNISATION OF MINDSETS.WE ARE ADULTS, WE ARE MATURE, WE KNOW WHAT WE HAVE TO DO TO STRENGTHEN  RIEA/AIRIEF & EACH & EVERY MEMBER MUST CONTRIBUTE SIGNIFICANTLY.It is not 24 hr work, WORK WILL BE LIGHTER, NOT EVERY DAY, WE MUST ACQUIT OURSELVES AS HONEST PENSIONERS READY TO DO THE CALL & ABIDE BY ADVICE & INSTRUCTIONS.
ASK THIS QUESTION, ARE U 1 IN A 1000, OR 1 OUT OF 1000?
THE JOURNEY FOR A  BREATHTAKING  PERFORMANCE IN THE DAYS TO COME WILL SURE BE ENRICHING,EXCITING,STIMULATING  & LAUDABLEIF EACH ONE OF US HAS ILLUMINATED LIC, WHY NOT EACH ONE OF US  LIGHT UP OUR RIEA/AIRIEF .IF WE THINK WE CAN, WE WILL .  A WINNER  NEVER QUITS, A QUITTER NEVER WINS.
10)Life isn’t a furnace that’s burning you,but  it transforms you into  glittering  gold
Today’s disappointments are tomorrow’s appointments
It is ATTITUDE,not APTITUDE.which determines your ALTITUDE
WHAT WE NEED IS A BREAKTHROUGH,NOT BREAKDOWN
DO NOT ALLOW SITUATION, to BECOME A PROBLEM, & PROBLEM to embroil as CRISIS
RED, AMBER, GREEN—never ever allow RED to arrive
We are keen to enhance the membership,success & prestige of AIRIEF in ever so many ways
We want to scale new heights, enhance AIRIEF reputation & image

WE NEED HUMAN DYNAMOS.WE NEED SYNERGY TO SHARE & CARE


11)CONCEPT OF REVERSE RESPONSIBILITY;Duties & Obligations: i)Even for Levies, VV
Subscription,Reminders were needed, For Legal Fund umpteen calls, reminders, FIGHT IS A
FIGHT TO THE LAST, WE CANNOT GET BENEFIT 1ST & THEN PAY
AIRIEF IS INCOMPLETE WITHOUT PENSIONERS  & PENSIONERS ARE INCOMPLETE WITHOUT AIRIEF   . SHOULD WE NOT RISE TO THE OCCASION ?
ONE MUST CRITICISE ONESELF  TO CHANGE WAYS OF WORKING,CONSTRUCTIVE, NOT DESTRUCTIVE,.  Also Uncritical attribution of positive developments also needed.
ii)Look, because of age, ILLNESS, DEATH OF RELATIVES, FAMILY PROBLEMS,  FOREIGN VISITS  as CHILDREN ARE ABROAD, NO COMPUTER EMAIL CONTACTS, POOR VISIBILITY,HIGH TOLERANCE FOR INEFFICIENCY, SO INEFFECTIVENESS---these become debilitating factors & mars reputation of AIRIEF
MANY ARE OLD,OLDER, OLDEST.STRANGE OLDER ARE WORKING HARD .NOW IS THE RIPE TIME FOR YOUTH PENSIONERS  60-70 TO ACCEPT RESPONSIBILITY
Young  pensioners cannot elude any more.They must come out in the open. Let them understand, AIRIEF activity is not FULLTIME & so easily, they can  fulfil domestic & social obligations.Please realize older pensioners too have families, they have to cultivate social relations.
WE SENIORS WILL GUIDE FOR SURE.WE WILL HAVE A STEADY EXIT, NAMOs FORMULA OF YOUTH  being  PREFERRED FOR MANY DISCIPLINES IS WORKING WELL.
WE NEED CHANGE BADLY  & CHANGE IS THE ABSOLUTE NEED OF THE HOUR.
iii) HAPPY SOME OTHERS WORK, SO take REST IS A BAD CONDUCT .SELF DISCIPLINE  NEEDS TO BE AT THE HIGHEST LEVEL  TO ASSERT AIRIEF SUPREMACY
EVERY OB MUST BE  IMBUED WITH A MISSION, A FIGHTING  SPIRIT, TREMENDOUS RECIPROCITY , RESPONSE,UNIMAGINABLE  TEAM WORK, FUP  TO BE SUPERLATIVE
OUR MEMBERSHIP IS  MODERATE, THE GAP IS WIDENING, NO EFFORT TO WOO THE RETIREES OF THE YEAR, MAJORITY OF DIVNS NOT SECURING THE LIST, THOSE WHO GET THRO DAUNTING EFFORTS & FUP & AVAILABLE WITH ACTIVISTS NOT MADE USE OF, OF WHAT AVAIL THEN ?
When we write to OBs, A WORD IN REPLY WILL BE HIGHLY APPRECIATED  only few respond.  THIS IS A CASUALTY, APPLY APPLY, NO REPLY  

iv)WE CONDEMN OURSELVES TO  DECLINE & DECAY. WE CANNOT EXPECT  FEW ACTIVISTS TO DIE FOR THE ORGN.WE HAVE TO CRY & HANG OUR HEADS IN SHAME when  WE THINK OF FATE OF FAMILY PENSIONERS.
NAMO WANTS TO BRING TOILETS TO ALL VILLAGES , HON PM PROMISES TO BRING  KYOTA TO KASI/VARANASI, AS NEWSMEN SAY, A NARROW, DINGY OLDEST TOWN TO BE DEVELOPED AS A SMART CITY.
IT IS NOT A DAY DREAM. HE APPEARS TO BE SINCERE TO FULFIL HIS DREAMS TO REALITY.NAMO WANTS TO CHANGE THE CULTURE ,INGRAINED BAD HABITS,RIGID BUREAUCRACY
L)i) Pensioners/ AIRIEF --Information & Education Series No 2:ALL INDIA ZONEWISE/DIVISIONWISE RP,FP, TP FIGURES & RIEA/AIRIEF MEMBERSHIP NUMBERS —BE UR OWN JUDGE

 WE ARE GETTING CIRCULARS AFFECTING PENSIONERS
 WE ARE GETTING NEEDED PENSION & OTHER STATEMENTS
WE ARE GETTING PENSIONERS LISTS HERE FOR ZO, CHENNAI DO 1 & DO2
WE GAVE NAMES OF OBs OF DIVISIONS/RIEAs with Email id or Mobile No & Address
WE GET PENSIONERS LIST WHERE COMMUTATION IS DUE FOR 2 YEARS ETC ETC
WE ARE GETTING PERIODICALLY PENSIONERS AGED 80 YRS & ABOVE

IN FACT, SZO PENSION CELL ARRANGED A MEETING ON 5TH OCTOBER 2013 OF ENTIRE SZ PENSION CELL OFFICIALS FROM SZ DOs. MANY MATTERS & INSTRUCTIONS WERE GIVEN AS A FUP OF THAT MEET

ii)VP,Joint Secretary must work to create a CONSTRUCTIVE BRIDGE OF UNDERSTANDING. ISSUE FRIENDLY CIRCULARS OF DEVELOPMENTS IN COURTS & OTHER MATTERS ,ENROL THEM AS RIEA MEMBERS UNDER AIRIEF WHICH IS DOING A TREMENDOUS JOB & SPEARHEADING PENSION UPGRADATION WITH FULL DR AS PER SJ JAIPUR HON JUDGE BHANDARIS JUDGEMENT WHICH IS NOT STAYED & SO TO BE OPERATIONALISED.

 SINCERE & SERIOUS EFFORTS HAVE TO BE MADE TO STRENGTHEN OUR ORGN OF PENSIONERS. UDAIPUR OBs/ EC MEETING  OF ALL DIVNS ON 26 & 27 OCT 2013. INDEED KICKSTARTED THE CONCERNS & WOEFUL GAP BETWEEN MEMBERSHIP STRENGTH & DATA  OF RP & FP.

iii) MYSELF & SRI ANGURAJAN, ALL INDIA ORGANISING SECRETARY ARE IN TOUCH REGULARLY.
 HE HAS ALREADY DONE A WHIRLWIND TOUR OF SZ &some RIEAs SCZ, MANY NEW RIEAs are OPENED.HE HAS ATTENDED MANY GENERAL BODY MEETINGS AT BANGALORE, UDUPI, COIMBATORE,TIRUNELVELI, SALEM,THRISSUR, TRIVANDRUM, KOTTAYAM  ETC

HE HAS ISSUED MUCH EARLIER IN DEC 2012 & JAN 2013 HIS APPEAL LETTERS, AIM & OBJECTIVE, VISION & MISSION, SPREAD OF AIRIEF AT ALL DO HQRS WITHOUT EXCEPTION, VACANT POCKETS TO BE FILLED UP THRO TOURS, APPEALS, MEETINGS FOR WHICH LOCAL PRESIDENT, SY, JtSy & OTHERS MUST ENSURE GOOD ATTENDANCE.LIST OF PENSIONERS WILL BE USEFUL IN THIS CONTEXT ALSO.He has more than 300 email ids & he is a master in sending flash 720 SMS & more. Look at the reach,admire his hard work, patience & perseverance.He lost his wife last year.Yet, his tenacity continues.
I AM ALSO KEEPING IN TOUCH WITH LIC CO ON IMPORTANT MATTERS AS U MIGHT HAVE NOTICED

iv)RESOLUTIONS CRISPLY WORDED, NICELY FORMATED, ISSUES CLEARLY DELINEATED ARE POTENT WEAPONS FOR MANAGEMENT & GOVT TO NOTE THE HIATUS OR THE GAP & EVOLVE METHODOLOGIES & FRAMEWORKS TO CATER TO THE MODEST & GENUINE DEMANDS  TRUTHFULLY PORTRAYED BY PENSIONERS FEDNS
 WHAT IS REQD IS THE FORCE & TENOR OF THE RESOLUTION & ABOVE ALL THE SINCERITY, PERSEVERANCE & DOGGEDNESS & COMMITMENT DISPLAYED BY PENSIONERS FEDNS TO SEE TO THE ULTIMATE SOLUTION AS FAST AS POSSIBLE THRO WELL-PLANNED STRATEGIES & EMINENT PR---  RBKISHORE




M)Some useful enclosures are attached:
i)Response to late Sri A.V.Shaligram,a thinker he was,on OrganisationalScenario & dynamics
ii)SZ Pensioners ‘Analysis & projections to All India& deriving Membership figures for a drive 
iii)Few Select Arguments for Pension Upgradation supported by facts & figures
iv)DOwise Charts & Presence of AIRIEF ---ALL INDIA
v)Appreciating Director P & PWelfare,UOI  with variables to determine Pensioners Assn strength
N)        We have many ingredients of a sound organization & structure .Yet the ideas & ideals are not permeating the rank & file of Office Bearers throughout the country.We are limping,even when we can demonstrate tremendous power & strength.The fault lies within us. Information is Power.We have data in plenty.Radiate to all regularly.Cussedness & indifference must not be allowed to  set in.We are old ,yet virile & active, even at this age.We have appealed to those 60—70 young to step in, so I retire gracefully.We can act as advisors for some period of time.How long can we retyre ? More activists & plentiful volunteers must awaken ,respond & act with a sense of grace & purpose: service to others is so soul-satisfying. Please do that more vigorously ,sincerely &seriously.Each Pensioner can enroll 10 additional pensioners, WILL YOU ?   
            THANK YOU,my dear colleagues & friends,
GREETINGS,GOODLUCK & GODSPEED,
R.B.KISHORE,VP,AIRIEF  11/10/2014




CPI 
MONTH     BASE =2000     BASE =1960
JUL,  2014         252                    5752.13
AUG, 2014         253                    5774.95
SEP,  2014          253                    5774.95
OCT, 2014          253                    5774.95