ECHS SMART CARD

INSTRUCTIONS FOR ONLINE APPLICATION FOR ECHS SMART CARD

1. Attached please find the “Instructions for online application for ECHS Smart Cards” issued by ECHS. Please await the formal announcement of launching the same till the month of Dec 17. You are requested to go through this document to understand what all needs to be done to get the new Smart Card.

2. Salient Features of New Smart Card . The salient features of new ECHS Smart Card are appended below:-

(a) The physical submission of application for ECHS Smart Card has been done away with.

(b) ECHS beneficiaries can now apply online for Smart Card without visiting Regional Centres.

(c) The payment for Smart Card will also be done through online mode with options using Net Banking, Debit / Credit Card, Wallet Payments.

(d) The information regarding movement of online application till receipt of Smart Card from Station Headquarters will be intimated to beneficiaries through SMS updates.

(e) The new Smart Card is of the capacity of 64 Kb which can store vital information of the beneficiaries including their Medical History, Referral History, Medicine Issue Logs etc.

(f) In the new system, Kiosks are being deployed at ECHS Polyclinics which offers Biometric/Aadhaar/mobile based Authentication of beneficiaries, Selection of option for desired services through touch screen, Printing of Medical Slip/authentication slip and also helps in Queue Management.

(g) In the new system, Identification cum Authentication Terminals (ICAT) are being deployed at HCOs which also offers Biometric/Aadhaar/mobile based Authentication of beneficiaries.

3. Priority for issue of new ECHS Smart Cards . The following order of priority will be followed for issue of new ECHS Smart Cards.

(a) Future Retiree.

(b) Temporary Slip Holders.

(c) 16 Kb Card Holders.

(d) 32 Kb Card Holders.

(e) Any Other Category.

4. Mentioning of Aadhaar Card number , PAN number , mobile number and e-mail address is mandatory. Mention mobile number accessible to you to receive SMS updates regarding Smart Card . This mobile number will also be utilised for generating SMS alerts for updating on the claim status. This mobile number should be used for all ECHS related transactions.

5. 16KB Cards will stop working in the new system with effect from 01 Sep 2018. Applying for new 64 KB cards for 32 KB Cards holders is optional till the year 2020. However, they can also apply to get the benefits of new Smart Card. (Note:- For ease of understanding, the 16 KB Card or Old Card has all the dependents photos on the reverse of the primary member’s Card. The 32 KB card or the Upgraded card has only the beneficiary’s photo for each member and no additional photos on the reverse of the primary card)

5. Please inform all Veterans of the importance of having an e-mail address and mobile phone. Most information concerning the veterans are being disseminated through e-mails. All Air Veterans who are not members of the AFA, need to be told of this development. They may be persuaded to join the AFA so that they do not miss out on important communications affecting them.

Please visit given link for more details on instruction: http://echs.gov.in/img/Smartcard/Instructions%20Ver%201.0%20Final.pdf

Instructions for Online application for ECHS Smart Card 2

Advertisements

Simple Mantras to Secure Financial Freedom:

“A successful investor is not one who never loses, but who stays invested in the market.”
Contrary to popular belief, one does not have to earn a lot of money to become wealthy. Here are some simple Mantras to secure your financial freedom!
Dont procrastinate on wealth creation – Many people procratinate on saving money. They always wait for the next year, next increment, next bonus to start savings and then the cycle repeats again. You do not need to start investing large amounts, start small. Even a years delay makes a huge difference as wealth compounds with time.
Prepone Investments, Postpone expenses – Set targets on how much you want to invest and invest it as soon as you get the money. Do not spend first and save (whatever is left) later.
You do not need crores – It’s a myth that you need lots of money to start investing. Even small amounts over time become large due to the magic of compounding.
Go for the long term – Especially in Equity it is important to invest for the long term. They give the best returns in the long term. For short term look at debt.
Invest Regularly – This is very important. You can invest in SIP’s which average out your risk. For eg. investing 10,000 rupees a month would yield 1 crore in 15 years at a annual rate of 20%.
Don’t link your lifestyle to stock market – When the stock market is rising, our notional wealth increases. Soon we start believing that growth of our wealth is real and long term. This false state of suddenly feeling wealthy leads to change in lifestyle. One of the perils of increasing expenses on your lifestyle during stock market boom is that we get used to comforts and luxuries in life. When economic situation turns bad we will then struggle to curtail our expenses. In fact in reality while markets are rising, we should control our expenses and let our wealth grow. On the other hand when equity markets are down, our wealth is not growing in real terms. Things are also cheaper generally during such periods.
Ignore Rumours – If you are confident about the company you have invested in, leave it. Ignore rumours.
Research & Learn – Learn about budgeting, credit, and debt. Learn how credit cards work! If you get into debt early it can sabotage your progress. Whenever you buy a stock or fund, don’t do it on a tip or whim, but do solid research to back up your buy. Investing can be very interesting and rewarding!

Broad approval for one rank, one pension scheme

 

Bowing to the long-standing demand of ex-servicemen for one rank, one pension (OROP) and other benefits, the Union Cabinet on Monday broadly approved the scheme and also gave its nod for enhancement of family pension and dual family pension that will cost the government about Rs. 2300 crore annually.

The Cabinet, which met here under the chairmanship of Prime Minister Manmohan Singh, also approved the grant of family pension to mentally and physically challenged children of armed forces personnel. The decisions on pension issues of ex-servicemen may be implemented from a prospective date and payment made accordingly, an official release said.

On the OROP, the demand of the defence forces and ex-servicemen associations was that an uniform pension be paid to the defence personnel retiring in the same rank with the same length of service, irrespective of their date of retirement, and that any future enhancement in the rates of pension be automatically passed on to the past pensioners.

The difference in the pension of present and past pensioners in the same rank occurs on account of the number of increments earned by the defence personnel in that rank. The UPA government on two previous occasions has taken decisions to narrow the gap between the present and past pensioners, particularly those belonging to ‘JCOs and Other Ranks.’

On the issue of one rank, one pension, the Cabinet approved the following:

Bridging of the gap in the pension of pre-January 2006 and post January 2006 JCO/OR retirees by determining the pension of pre January 1, 2006 retirees on the basis of a notional maximum for ranks and groups across the three Services as in the case of post-January 1, 2006 retirees. In addition, the weightage of qualifying service in the ranks of Sepoys, Naik and Havaldar would be increased by two years for both pre and post-January 1, 2006 retirees.

The pension of pre-January 1, 2006 Commissioned Officer pensioners would be stepped up with reference to the minimum of fitment table for the ranks, instead of the minimum of pay band.

Referring to the enhancement of family pension, the Cabinet decided that the pension of pre-January 1, 2006 family pensioners (Commissioned Officers, Honorary Commissioned Officers, JCOs/ORs) be stepped up, based on the minimum of the fitment table instead of the minimum of the Pay Band.

Establishing linkage between the family pension and the pension of JCOs/ORs, in those cases where the death takes place after the retirement of the JCO/OR since such a JCO/OR drew a pension based on the maximum of the pay scales, 60% of the pension applicable to JCO/OR pensioners would be granted to the family pensioner in case of normal family pension calculated at 30% of last pay drawn.

Accordingly, based on the rank, group and length of service of the deceased JCO/OR pensioner, his pension would first be determined on notional basis. In cases where death of JCO/OR took place after retirement, the family pensioners in receipt of normal family pension would become entitled to 60% of the said pension determined on notional basis and those in receipt of enhanced family pension will be entitled to 100% of this pension. Similar entitlements would be determined in the case of Special Family Pension and

The family pensioner of the JCO/OR would be granted pension arrived at on the basis of the family pension worked out as per the formulation at (i) above or the pension on the basis of stepping up with reference to the minimum of the fitment table, whichever is beneficial. Further, the linkage of family pension with retiring pension be applied in the case of post-January 1, 2006 family pensioners of JCOs/ORs also.

Dual family pension

The Cabinet also decided that dual family pension would be allowed in the present and future cases where the pensioner drew, is drawing or may draw pension for military service as well as for civil employment.

In yet another welfare measure, the Cabinet approved that the grant of family pension to mentally/physically challenged children who drew, are drawing or may draw family pension would continue even after their marriage.

Panel report

The Cabinet nod for the OROP came weeks after the six-member committee, set up by the Prime Minister, submitted its report. The committee was headed by Cabinet Secretary Ajit Seth. It was set up after a Rajya Sabha panel last year recommended granting one rank, one pension to defence personnel.

The Rajya Sabha Committee on Petition in a report tabled on December 19, 2011 recommended grant of OROP to defence personnel. It found the government contention to deny ex-servicemen “untenable.”

Source: http://www.thehindu.com/news/national/cabinet-clears-one-rank-one-pension-scheme-for-exservicemen/article3932758.ece

 

Pay and Pension related issues of defence services

http://www.gconnect.in/news/committee-to-look-into-pay-and-pension-related-issues-of-defence-services.html?utm_source=feedblitz&utm_medium=FeedBlitzEmail&utm_content=408382&utm_campaign=0.

//

//

//

Revision of PPOs of pre-2006 family pensioners

Revision of PPOs of pre-2006 family pensioners.

Modified Parity as per 6cpc improved Pension benefits – Says Minister

Modified Parity as per 6cpc improved Pension benefits – Says Minister.

PENSION INFORMATION/ ORDERS n INSTRUCTIONS

Authorization of Pvt Ltd Banks for Disbursement of Pension to Defence Pensioner
In pursuance of Reserve Bank of India’s decision on the subject, the following private Sector Banks have been authorised for disbursement of disbursement of pension to Defence pensioners:-

(a) HDFC Bank Ltd
(b) UTI Bank Ltd
(c) IDBI Bank Ltd
(d) ICICI Bank Ltd
Exemption of Income Tax on iberalised Family Pension
A case was initiated by PS Dte for exemption of income tax on Liberalised Family Pension in the year 2002. After concerned efforts a Gazette Notification has been issued wef 09 Feb 2005 for exemption of Liberalised Family Pension from the income for purposes of exemption of income tax if death of the member of armed forces (including Para Military Forces) has occurred under following circumstances in the course of the military operation and duties.

(a) Acts if violence or kidnapping or attacks by terrorists or anti-social elements
(b) Action against extremists or anti-social elements
(c) Enemy action in international war
(d) Action during deployment with a peace keeping mission abroad
(e) Border skirmishes
(f) Laying or clearance of mines including enemy mines as also mine sweepingoperation
(g) Explosions of mines while laying operationally oriented mine-fields or lifting ornegotiation of mine-field laid by the enemy or own forces in operational areas nearinternational borders or the line of control
(h) In the aid of civil power in dealing with natural calamities and rescue operations
(j) In the aid of civil power in quelling agitation or riots or revolts by demonstrators
NRI Pension- Not to be Stopped on Change of Nationality
A large number of representations were being received from Ex-servicemen Association/ NRIs regarding stoppage of pension of Ex-Servicemen on their acquiring foreign nationality. However, in case of civil pensioners change in citizenship by any NRI pensioners did not affect their entitlement. A case was taken up with the office of PCDA(P), Allahabad and office of CGDA, New Delhi in 2003 for bringing the Armed Forces pensioner at par with civilian pensioners. Govt letter has been issued providing that even in the case of Armed Forces Pensioners the entitlement of pension will remain unaffected on the change of nationality and pension will continue to be paid by his/her pension disbursing agency. However, the pensioner should intimate the change of nationality as per the provision to the Pension Disbursing Agency as well as to the PCDA (Pension), Allahabad for updation of their records.

Two Family Pensions
The re-employed Army Personnel have been made eligible for two family pensions i.e. one from army and the other from civil side if re-employed in organizations covered under Employees Pension Scheme 1995 and Family Pension Scheme 1971.

Grant of Liberalised Family Pension to Widows Who Remarried Before 01 Jan 1996
The widows who remarried after 01 Jan 1996 were allowed to retain their Liberalised family Pension/Special Family Pension while widows who remarried before 01 Jan 1996 were left out. This has been creating great injustice to pre 1996 widows. A case was taken with MoD for extending these benefits to pre 1996 cases also. MoD has issued orders vide their letter No 1(1)/2001/D(Pen-C) dated 24 Jun 2005 granting Liberalised Family Pension benefits to pre-1996 cases wef 24 Jun 2005. This will greatly benefit the widows who remarried before 01 Jan 1996.

Exemption of TDS From Pension
Income Tax was hitherto deducted at source from family pensioners by the Pensions Disbursing Agency. Min of Fin (CBDT) has now clarified that family pension does not fall under the category of salary, therefore, no tax is liable to be deducted at source.

Ex-Gratia Award Disability Cadets (Direct)
Rates of Ex-Gratia disability award to disabled cadets have been revised from Rs 600/-p.m. to Rs 2100/-p.m. wef 01 Aug 97 issued vide Govt of India, Min of Def letter No 1(6)/99/D(Pen-C) dated 15 Sep 2003.

Pensionary Benefits to Nk And Hav Granted Assured Career Progression (ACP)
Govt letter has been issued vide No. B/39022/AG/PS-5(Policy)/29/A/D(Pen/Sers)/06 dated 10 Jan 2006 stating that pension in respect of JCOs/OR granted Assured Career Progression (ACP) upgradation, will be calculated based on the maximum of the pay scale granted under ACP upgradation including 50% of the highest classification allowance, if any, of the rank held and group in which paid subject to the condition that the upgraded pay scale should be held continuously for 10 months preceding their discharge from service.
Grant of Family Pension For Life to Handicapped Children of Armed Forces Personnel
Govt letter No. PC MF-Air HQ/24229/283/-FPHC/PP&R-3(i)/582/A/D(Pen/Sers) dated 29 Nov 2005 issued has made the following provisions :-

(a) Medical officer of rank of Brig/above shall be competent to render the certificate required
(b) Gaurdian shall be nominated by the pensioner instead of a court of Law. In case no such nominationhas been made by pensioner in his life time the nomination shall be made by spouse of the deceasedpersonnel
(c) The name of handicapped child shall be indicated in the PPO to be issued for grant of Service Pension/Family Pension.

Merger of Dearness Relief on Disability Pension
Orders were issued vide Govt of India letter No. 42/2/2004-P&PW(G) dated 15 Mar 2004 for merger of Dearness Relief equal to 50% of basic pension/family pension wef 01 Apr 2004. According to these orders Dearness relief equal to 50% was to be merged with basic pension and remaining of DR was to be calculated on (Basic pay + 50 merged DR). However no specific instruction were issued for merger of DR on disability element on pension. A case was taken up by PS Dte with the Govt who have now issued orders vide 1(62)/2004/D(Pen-C) dated 02 Dec 2005 for merger of 50% DA/DR on disability pension to Armed Forces personnel/pensioners wef 01 Apr 2004. The merger of 50% DR with basic pay shall apply to both disability element and service element simultaneously.

Modified Parity and Increase in Weightage JCOs/OR
On implementation of V CPC recommendations modified parity at the min of pay scales was granted to officers/JCOs/OR FOR Pre 1996 retirees. Since the modified parity at minimum scale was not beneficial for JCOs/OR, case was taken up PS Dte with the Govt to grant modified parity at maximum of pay scale for JCOs/OR. Govt has now granted modified parity to pre-1996 retirees JCOs/OR at max of pay scale in which they have retired subject to have served for minimum 10 months in that rank.
Case was also taken by the PS Dte with the Govt to increase the weightage being given to JCOs/OR as the JCOs/OR were only given 05 years weightage irrespective of rank held. Due to this anomaly no JCOs/OR could meet the requirement of 33 years of qualifying service to get full entitlement of pension for past as well as future JCOs/OR retirees will be as under subject to maximum qualifying service of 30 years details of which have been tabulated earlier.
The above benefit would be applicable to Service Pension including Invalid Pension, Service element of disability pension and War Injury pension. The orders are effective from 01 Jan 2006 and no arrears are to be given. The above orders have been issued vide Govt of India, Min of Def letter No 14(3)/2004-D (Pen-Sers)/Vol III dated 01 Feb 2006.

Implementation of the Govt Orders Regarding Abolition of the Institution of Military Adviser (Pension)
Release Medical board before retirement /discharge is held in case of any disability at the time of such retirement /discharge. An individual found unfit for continuation in service on medical ground is brought before an invaliding Medical Board prior to invalidment. Disability pension claims of LMC personnel of the Armed Forces are decided on the basis of findings of Invaliding Medical Board/Release Medical Board. The Medical advisors (Pension) from the office of DG AFMS attached to PCDA(P), Allahabad in respect of JCOs/OR and DDG AFMS(Pen)/JD AFMS(Pen) in respect of officers, were empowered to alter the recommendations of Medical Boards. In a number of cases the recommendation of Medical Boards were being altered to the disadvantage of the individuals concerned. Consequently, the aggrieved personnel were taking recourse to appeals and litigation for redressal.
Based on the judgments of the Supreme Court of India and cases up with the MoD by the DGAFMS, a Govt letter dated 01 Sep 05, abolishing the institution of MA(P) was issued. However, certain provisions in the Govt letter came in the way of implementation of the orders.
Most of the amendments suggested by PS Dte have been incorporated by the Min of Def in the corrigendum No 1(2)/2002/D(Pen-c) dated 31 May 2006. Detailed letter to the environment incorporating the provision of the Govt letters / Corrigendum and laying down the procedure for adjudication of claims for disability pension/ special family pension has been issued by the Dte vide letter No B/40122/MA(P)/AG/PS-5 dated 20 Jul 06.

Eligibility of Unmarried Daughters of Armed Forces Personnel for Grant of Family Pension beyond 25 years of age
The Ministry of Defence vide their letter No. 1(3)2007/-D(Pen/Policy) dated 25 Oct 2007 have issued instructions regarding grant of family pension to unmarried daughters beyond the age of 25 years at par with widowed/divorced daughters subject to their income from all sources not exceeding Rs. 2550/-pm.

Central Government Pension and Family Pension-Uncommon Areas

These are certain uncommon areas in Central Government Pension and Family Pension Matters.

Child adopted even after retirement is entitled to get family pension

Q A retired employee due to demise of his wife and son legally adopted one of his grand sons after his retirement. He submitted the adoption deed to the Pension Sanctioning Authority with the request to add the name of his legally adopted son in the list of his family members so that he could receive family pension in case of his death. Whether the same is permissible as per law.

Also kindly clarify as to whether the children of post-retiral spouse born to the retired employee are eligible for family pension.

A The stipulation that adoption should be “before retirement” has been deleted vride Notification No.1(66) P & PW/89-E, dated 18-1-1993. Hence as per Rule 54 (14)(b)(ii) of CCS (Pension) Rules, 1972, son/daughter legally adopted after retirement and children of post-retiral spouse are eligible for the grant of family pension vide Rule 54 (14) of CCS(Pension) Rules and GIDs (18) to (20) thereunder in Swamy’s Pension Compilation.

No family pension to the parents, if the deceased employee had left behind a widow or a child.

Q Consequent of demise of one employee family pension to his widow was sanctioned. Later on, the widow of the deceased has got re-married with other person. As the widow of the deceased has no children, family pension was stopped from the date of re-marriage. Whether the mother/father of the deceased is entitled to family pension.

A As per Para 7.2 of the OM, dated 27-10-1997, parents are eligible for Family Pension only if the deceased employee had left behind neither a widow nor a child. Hence, in the case referred to by you, the parents are not entitled to Family Pension.

Pension cannot be stopped, even though pensioner acquires foreign citizenship

Q A retired Central Govt. Employee who is in receipt of pension emigrated to Canada with Non-Resident Indian status. He was getting his pension continuously when he was a NRI. But now he opts to take the citizenship of that country and as such it may be clarified whether he may continue to get his monthly pension as usual or will it be stopped after his acquiring citizenship of a foreign country.

A There is no provision in the Rules, viz., CCS(Pension) Rules, Central Treasury Rules for the stoppage of pension drawn by a Govt. pensioner on his acquiring the citizenship of a foreign country. As such the retireed employee will continue to get his monthly pension as usual even after his getting foreign citizenship.

Fresh application not required for payment of arrears of commutation due to revision of pension.

Q An employee after his reirement got all the retirement benefits including 1/3rd commuted value of pension. Subsequently he expired. After his demise pay commission recommendation was implemented and his pay was retrospectively revised. His wife who is a family pensioner received the arrears of pay, pension, gratuity, etc. But the arrears of the additional commuted value of pension which has become due based on the quantum of 1/3rd revised pension was not paid to her on the grounds that the concerned employee need to apply afresh for such payment. Since the employee had applied for 1/3rd commutation of pension while he was alive whether his origianl application would cover any revision which may become due subsequent to his death

A As per Rule 10 of CCS(Commutation of Pension) Rules, 1981, the said family pensioner is entitled to the difference between the commutation amount received by her husband for the original pension and the commutation amount admissible on the revised increased pension. For this purpose, no fresh application is necessary.

Courtesy: http://www.gconnect.in

Twitter Updates

Top Posts & Pages

Blog Visitor Stats

  • 17,098 hits
%d bloggers like this: