USEFUL NOTES & SUGGESTIONS & ADVICE FOR AIRIEF TALKS 29 FEB 2016 LIC TOP MGT 1,2 & 3

Dear All LIC  Pensioners,

 

1)  USEFUL NOTES & SUGGESTIONS & ADVICE FOR AIRIEF  TALKS 29 FEB 2016 LIC TOP MGT---1

 Dear Sri GKrishnaswamy,

 

1)All the best to all of u going for talks with Top Mgt & in particular EDP & MD on 29/2/2016

 

2)I have gathered & am gathering quickly useful INPUTS for talks as BASIS from my ARCHIVES

 

3)1st ,request, please convey to EDP Mr Niraj Aggarwal ,Sri Parkash Chand Chief P & Sri JSen Sy /P/E my warm regards..I speak to all of them but frequently Chief P

 

Even if meet with other Topmost Mgt is not there, do peep in & CONVEY my UTMOST REVERENTIAL REGARDS to Chairman Sri SKRoy who sent me New Year Greetings, Sri SB Mainak, fine person,whom I phone occasionally but as I was Director in some companies during my stint from SDM Upwards, he as Investment Wizard used to help & guide me & which I continued till my age 65 years as Director

Alos Smt Usha Sangwan sent delightful greetings to me also enquiring about Mrs Seetha Kishore & Kalpana, my Violinist Daughter.I trained her also as Direct recruit Officer at MDC with intensive & extensive all kind of inputs

Smt Usha Sangwan praise her for the 1st Lady MD ,after which only SBI Chairman/MD lady was appointed 

 

Sri VKSharma MD too as he was also ZM SZ few years back & met at other common LIC assignments when I addressed at Blore long before World MDRT Agents in a class room fashion with PowerPoint Presentation etc

 

4)Next, AIRIEF can feel proud if u can somehow get COPIES of our BOOKLETS.Kurukshetra Legal Battle & Charter of Demands.2nd COD is very important,but 1st one will demonstrate AIRIEF takes interest alllround in a HOLISTIC manner.U all can hand over reverentially

 

5)I have extracted IMPORTANT .OUTSTANDING issues on which Bluru GC Resolutions which were handed over by Sri AnandTyagi to Chairman, entire set of Resolutions

Dire need for Consultative Committee ,even if Mgt says they call any time with prior appointment, Conduct with a purpose, what transpires etc need to be fup & so CC is a MUST to pinpoint issues dragging on & hastening solutions

**Domiciliary Cash Allowance

**Preventive Health Check up Yly etc

**Pre-1986 retirees Mly Medical Allowance enhancement ,very very few alive

**Ahmedabad Resn Inequity in pension for same cadre, same charter etc & error in CV of pension

 

These I attach

Please go thro

I shall endeavour to send some more very useful points & issues of Pensioners early

I am also preparing for Sri KMLAsthana crucial 10 march Submissions as it is Do or Die

 

greetings & warm regards to the entire team

 

RBKISHORE

VP,AIRIEF

2)

Dear Sri GK          Notes & Suggestions for Talks with LIC TOP MANAGEMENT---2

 

1)This is in continuation of my earlier 1st Bulletin.Time constraint but yet necessary as a loyal worker & activist

 

2)Please discuss with ur colleagues in the Team for talks

 

Sri Ivan Rodrigues of Mumbai is a MUST

He has no email id

PLEASE secure 3/4 USEFUL MUMBAI Email ids for our AIRIEF Purpose

 

3)Last Bulletin also will reach you tomorrow

 

Greetings & warm regards to U & all,wishing a very Purposeful & Productive trip & talks

 

 

RBKISHORE

VP,AIRIEF

 

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        NOTES & SUGGESTIONS to RESOLVE PENSIONERS'GRIEVANCES ,ISSUES & COMPLAINTS

1)Integration of Overseas Mediclaim with regular existing mediclaim policy shall be welcome as many Elders go abroad, & independent policy,efforts,procedures may not be needed if this is sought to be merged in this scheme.

Many have to take recourse to Additional policy, rigmarole of procedures etc & a simple merger with whatever requirements needed, as the insured is known already, can be much simpler & simplified,as an add-on to the advantage of insurer & insured.

 

2)Eligibility for full Pension after 20 years against 33 years

LIC is very much behind in these overall general matters.One has to go with the favourable wind, especially,when it is mainly administrative & no big bucks philosophy is there.

Further,when pensioners badly need some relief & more empathy,enlightened Management must step in & grant relief,when moreso,thinking on such subject has crystallized.

 

                Presently,the retirees who had not completed 33 years as on the date of their retirement are , not getting Full Pension, but only a proportionate pension.

Due to impractical provision  of Rule 27, lot of retirees who joined the services of LIC from Agency quota or on getting relaxation in maximum age at entry, particularly in specialized fields like Engineers,CAs,are deprived of full  pension.It has resulted in uncalled for litigations also.Courts have also granted Notional 5 years addition to actual service rendered. However,when final realistic solution & AllIndia thinking has emerged,it is advisable to implement it in LIC too without delay . The aforesaid eligibility condition would resolve the grievance of such retirees & ensure pension benefit AT PAR with others.

 

3)Protection of Last Drawn Pay

Grievances & complaints ,immediately after every Wage revision have mounted.It is a genuine one ,as they suffer loss & further, their pension gets reduced, when compared to even their Juniors &  lesser Cadres too.Many representations to DO/ZO/CO  are there.

It is a matter of gratification that Govt has resolved, so too  RBI ,pragmatically announcing remedy that last drawn pay or 10 months average emoluments whichever is higher be taken as the criterion for fixing pension. This will resolve the anamoly being caused in case of employees who retire within 10 months of Effective date of the immediately preceding wage revision.

 

4)Additional Pension after age 80 years

Sr Citizens & Elders have to be protected,All India Senior Citizens  Confederation regularly meets concerned Minister for Pensions, Elders Welfare & on the lines of UNCharter, processes their Memorandum of Demands  & announces policy decisions taken.

 

VI Pay Commission ,apart from pension upgradation,granted value-added pension rise for advanced ages 80,85,90, 95,100 to the extent of 20 %,30,40,50 & 100% respectively.This was from 1/1/2006

With advancement in age, pensioners are prone to diseases & they need extra money to take care of health.A sizeable amount of pension is eaten away in such illnesses & worries too.

 

It may please be noted that EVEN in 7^th Pay Commission, not only higher Multiplier Factor 2.86 times stipulated for pension, BUT ALSO, this Value-added % rise continues.One can very well imagine the sizeable benefit Govt Pensioners shall secure

It is high time LIC,Principal player in Financial & Services Sector ,as an enlightened employer,clears this SIMPLE  MATTER  as  a GIFT to ELDER of the ELDERS to earn deserved praise from fraternity of pensioners during thisDIAMOND JUBILEE YEAR  of LIC

 

ALSO, for ALL PENSIONERS  as  a  DJ GIFT DOMICILIARY CASH ALLOWANCE YEARLY  &

PREVENTIVE  HEALTH CHECK UP ALLOWANCE, as a matter    of Holistic health & living  as a DJ Gift

 

It may please be remembered while employees & even then recruited got a Golden Jubilee Gold Coin,after a  Rajasthan HC case ,only Rs3000 cash award was given to pensioners.

This is not fair.

 

If only Management realizes how poor pensioners were ,not only in terms of Quantum of Pension, but Total Retirement Benefits now a Bonanza & then measly & a pittance indeed,where to save & what to invest, PLEASE feel the pulse & gravity of financial situation for those who rendered valuable, glorious services against odds & transfers & other imponderables& made this Institution a glittering one.

Management must go out of the way to lend a helping hand to them deservedly

 

R.B.KISHORE, ED(Retd),LIC, VP,AIRIEF

 

3) Dear Sri GK,   NOTES & SUGGESTIONS FOR TALKS ON PENSIONERS PROBLEMS with LIC TOP Management ---3

 

1)I attach the Notes for talks with LIC Top Management on 29/2/2016

  This Series 3 is the last one

It took me a lot of time to cull out & present the problems in good shape

 

2)We are aware of time, how management responds, how forceful we present,more so as it is DIAMOND JUBILEE YEAR

So, do ur best with AIRIEF Team & try utmost for SELECT issues to be resolved  with some deadline & positive assurance

 

3)Anyway, it was full time for me to recapitulate, simplify, & overall ,this can also form a sound Base for Future Followup, which is the most important & in which we lag behind

 

Greetings,goodluck & Godspeed,

 

RBKISHORE

VP,AIRIEF

 

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     NOTES FOR TALKS WITH LIC TOP MANAGEMENT 29/2/2016 MD, EDP & others—Series No 3

1)  Many High Courts have given unequivocal  verdicts that those who retired under VRS or who resigned are eligible for Pension.Even MOF/GOI in Bank 2^nd Option for Retirees have  clarified to IBA to correct their erroneous views & grant pension

LIC must open up such cases & graciously settle pensionary benefits which they indeed deserve.

 

2)PENSIONERS ' PORTAL is pending for many years now.We sent very useful 4 page suggestions in 4/2012,We followed up with CO.Except that the assignment is handed over to an External Agency,though  4 years have rolled by, it is sad  PORTAL is yet to see the light of day.We have outlined many utilities .PP  must be a blessing to pensioners. All relevant data of pensioners must find a place for pensioners to click with User Name ,get to know the pensioners world, meet other pensioners, as address will be available,Mobile No will be there.instead of isolation at Old Age,Socialisation can take place,reduce anxiety & frustration.

Above all, as all facets of pensioners domain of responsibility will find a place, pensioner can check up Pension, DR, Slabs, IT Rules, Mediclaim premium, Forms to be used to download, Dos & Donts for Pensioners, Data of pensioners ,TPA website, Exgratia retirees position,

Important Telephone Nos etc for contacts to resolve any problem,

Nodal Officers Name, Designation, Address,Mobile No, Email id etc

It is felt impetus & sense of URGENCY must be instilled & PP inaugurated before 1 September 2016.We requested the nomenclature should be PENSIONERS' PORTAL, not PENSION PORTAL as was earlier suggested by CO

 

3)   LIC Golden Jubilee Foundation is doing a stellar service to society, policyholders etc.As part of CSP,Corporate Social Responsibility,objectives of advancement of education,medical relie,relief of poverty,& any other object of general public utility are laudable.

It appears Chairmans Relief Fund is withdrawn. Those afflicted with high-end diseases & treatment like chemo-therapy,dialysis7 radio-therapy ,where limits prescribed deter payment of full insurance SA,as 20 % of SA restriction is imposed adversely affecting such pensioner patients needing long & continuous treatment.One can well understand the agony & frustration & money to be spent continuously.

 

PLEASE help us by allotment of some decent amount or cases to be referred to CO with data by DO/ZO  etc so that genuine requests are entertained ,making their lives a little merrier & bringing credit & glory to LIC GJF

It will be ideal gesture if LIC can start offering Scholarships to BRIGHT ,deserving wards of pensioners

 

4)Pensioners so far do not have any worthwhile benefit specifically to promote welfare PSBs have such Welfare Fund,subject to a cap of 3% of Net Profit,with SBI enjoying then a ceiling per year of Rs100cr.When MOF/GOI DFSissued the circular in Feb 2012

LIC can earmark higher amount ,catering to PensionersWelfare as Employees will come under various other benefits & privileges offered or showered on them.

 

5)Somehow, with initial euphoria ,LIC Care Homes subsidiary started with noble objectives looks to wear a low profile.Indeed a wealth of goodwill can be earned if only proper planning, execution, amenities, are provided ,with appropriate utilities & architecture suited to concepts earmarked & propagated.Time is ripe in view of fast changing societal  shakeups,parents alone, Sr Citizens need care,they are in search of serenity,calm surroundings,with all amenities at affordable prices with adequate healthcare facilities

Please consider expanding fast to other Metros, Tier I Cities where Other organizations by any name go for the kill ,fleece elders & make a mockery of original spelt out Mission statements.

Policyholders,pensioners & many others badly need LIC intervention as a symbol of quality & trust & welfare,where LIC is the byeword.

 

6)LIC can thoughtfully adopt a few Old Age Homes,where Social audit has taken place, LIC of its own can also do such audit ,select few such Homes & offer to pensioners as priority of such wellmanaged homes with good infrastructure & holistic living.

 

7)i)Conferences of OS Dept  at All India level  strangely do not contain ZO wise,DO wise Data of Regular Pensioners, Family Pensioners,Exgratia, Spouse ofExgratia,Child pensioners   etc

 

Shocking it takes months & years to fup & get.There must be Regular automatic feedback on ALL matters of OSDept ,even if impinging on PER/ER with proper coordination

When RBI Dictat is implemented for direct credit of ALL Payments thro NEFT ,even Claims LIC  credits direct EVERY month such statement is received at DO/ZO/CO.Then why Mly statements of pension payments  are not analysed for errors or improvements.

 

ii)Noone knows whether TPA has issued Laminated ECards.SZ got the earliest thro Vidal Health services in July 2015 end. SCZ has started getting last few days.Ecards of TPA &Photo Identity Cards of LIC together become necessary for CASHLESS service for Preauthorisation to verify OSA chosen by Pensioner etc

 

8)CO Circular conveying higher OSA of Rs 25 lacs & 30 lacs can be opted before 10 Mi)arch 2016 ,but without Premium rates or approximate indication, many queries we get,what pensioners can do if premium is found to be costly or prohibitive.Clause of consent is binding & irrevocable,that is improper, unless provision to revoke is offered.Last time for all OSA detailed Tables & Charts were provided to enable all to choose rightly upto Rs 20 lacs.Such could have been done after hastening & concluding talks with New India  on an urgent basis.  (CO CIRCULAR dt 26/2/2016 JUST RECEIVED )

 

9)CO must arrange periodic interactive meetings with New India ,TPA, Representatives of Employees & Pensioners to understand working, progress, issues & grievances, repudiation & curtailment of claims without assigning any reason etc

Such meetings can be held at ZOHqrs too & at DO levels also for closer,wellknit personal touch & fuller grasp & understanding of problems

 

10)i)It is sad to know that there are many cases where Nomination is not done for O/S pension,family pension, or mediclaim amount or any unclaimed benefits of pensioners.Proceeds must go to earmarked relatives. Getting into legal requirements is a tangle & time consuming

Per/OSdept must strengthen basic pensioner services as also value-added services.ZO/DO  can provide such open items where title is NOT taken care of,inform pensioner & also send to  ZO/DO President, GS of pensioners Fedn & in their own way, they will lend a helping hand to avoid laterday problems.

CO  has to issue such Circular to enable ZO/DO  to keep records clean with quality

 

ii)In some Offices,we find unclaimed Photo IDENTITY Cards are still lying.Sure some Quality control steps could be taken

iii)Death of pensioner is a sad event. Widows/Family are not aware of any procedure or how to fill forms.Even SR No they may not know.Please give us a LIST of such pensioners with particulars of date of death etc .Forms for FP settlement atleast we can offer & enable them to settle down in the hour of grief

 

11) i) Earlier the retired employees/officers, were harassed for anonymous and frivolous complaints. With long struggle, Ministry of financial affairs issued instructions to all the financial organizations, amended LIC Staff regulation Sec 39 and also Pension Rules stating that,

"No disciplinary proceedings, if not initiated while the employee was in service, shall be initiated in respect of a cause of action which arose or in respect of an event which took place more than four years before such institution".

 

Relevant instructions/circulars are..

 

1.     Notification in Staff Regulations 39 rule Sub (4), clause 4b of LIC Staff Regulations 1960,

2.      Rule 48 of LIC Employees' Pension Rules, 1995, and

3.     LIC's own circular Ref personnel/ER Dated 30th July, 1996

4.     'Initiation of disciplinary proceedings' has also been clearly  clarified as 'issuance of charge sheet' only.

 

But it has been observed that office note at Per/ER, C.O. are prepared in contravention of these important circulars and accordingly the charge sheets are also got signed even from Chairman. When challenged, they try to misinterpret the instructions saying,

"it is observed that the charge sheet has been issued within 4 years from the cause of action that arose when the irregularity came into the notice of disciplinary authority and explanation was called from the CSO."

In fact the four years period is to be reckoned from the date of issuance of the Charge sheet and not from the date when the irregularity came to the notice of the Disciplinary Authority. CLARIFICATION VIDE CO CIRCULAR DATED 12.02.1998( attached)

Very purpose of the instructions was to protect the employees from unnecessary harassment after retirement. The date when the event took place is only relevant and not when it came to the notice of DA, is the spirit of circular. 

 This wrong need to be brought to the notice of the Chairman. If LIC would not listen to the reasons, employees would be compelled to seek justice from the court and it would be embarrassing 

 

ii)    This is with regard to withholding of retirement dues, particularly gratuity and commutation of pension.

 

" Page 228 of OS Manual – last para says,  'Ref: Cir no zd/952/ASP/2000 dated 04/05/2000 Deptt Personnel/ER.

'However, where no charge sheet has been issued to a retired employee, then in such cases the office cannot withhold the settlement of gratuity and the commuted value of pension'.

 Even if a decision is taken for withholding of retirement dues, amount withheld should bein accordance with the extent of contemplated financial loss to the corporation.

 

CVC of the country has also directed to all the officers working in PSU's vide its circular  003/dsp/03 dated02/05/2014, for a reasoned and speaking order with proper application of mind.

But sorry to say that here again, decisions to withhold retirement dues are not taken with reasons.

Two live cases from our zone where LIC ab initio, concluded that there is no financial loss to the corporation, still entire amount of gratuity was withheld. 

 

R.B.KISHORE

VP,AIRIEF   27/2/2016

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RB Kishore

VP,AIRIEF,

ED(Retd),LIC

Life Member,Probus Club

044-2815 5810 & 098 4034 0591

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