WORRIED WIDOWLife Time Arrears is considered as the estate of the deceased and is payable to the Legal heirs. The Banks are paying the LTA after observing all the formalities and procedures.
Wherever, the Endorsement of Family pension is not done/ available, the widow of the deceased has to prefer Claim for family pension . Now the LTA certificate is one of the documents for claiming family pension. LTA certificate is required for this purpose only.
The Banks pay the LTA to the nominee if already available or to the legal heirs as per the certificate from Tashildar. In the case of Ex-servicemen, the NOK is mostly the wife and the bank has to confirm the genuineness of the claimant and pay the LTA and issue the certificate.
But , what is happening is , making the widows to run about many a times to issue the certificate stating the reason like , it is to be confirmed from CPPC or for some other flimsy reasons and delaying the issuance, thus putting the widow in mental agony and financial hardship without pension.
Even if all documents are sent correctly in all respect, it will take 6 months to one year to get the Pension orders issued from the Sanctioning Authorities.
At least the delay in issuance of LTA certificate may be avoided by obtaining an undertaking from the widow to make good if there is any over/ short payment of LTA found at later date.
The Pension Disbursing Agencies may be advised suitably in this regard by respective Authorities.
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