IMPORTANCE
OF JOINT ACCOUNT OF PENSIONERS.
Dear veteran bothers,
We have already published about the importance of Joint account, but still many of our veterans have not included their spouse name in their pension account .
We are once again advising all our veterans to have joint account of their pension account.
Government has issued instructions to all Central
Government pensioners to convert the Single Pension
account in to Joint account with their spouse vide
their letter no: CPAO/ Tech/ Amendments/Sch.Book/ 2005-06/ 69 dated
09-05-2005.
Our
Trust also advised our Military veterans and most of them
have converted their individual account to Joint account with their
spouse.
The
Joint account avoids the hardship of the widows after the death of their
husband . It is easy to draw family
pension with out delay.
If
there is no Joint Account , the widow has to establish the right to receive the
pension and open a separate account in her name which involves a
lengthy procedure there by delay in getting family
pension.
A
practical Hardship faced by a widow for information of all:
One
Officer in Income Tax Department , say Mr.Ramnath ,
Married with Miss. S.Muthu
Lakshimi- She was called by nick name Lakshimi.
The
Officer, got it registered his marriage
with his department , Service Records -with the name of his
wife as R.Lakashimi.
His
wife is also employed in Tamil Nadu Govt. School.
Her
name in Birth certificate, Aadhar card, Pan Card and School
employment is S.Muthu Lakshimi.
Now,
she got retirement , opened a Bank account with the Name as S.Muthu
Lakshimi and received the PPO as S.Muthu Lakshimi and
receiving pension .
In
the mean time, the Income Tax Officer also got retirement , opened a Single
account in his name , received the PPO where his wife name
is mentioned as R.Lakshimi.
Both
the husband wife were having their account in the same Bank.
Unfortunately after
few years, the IT Officer expired.
Now,
the widow informed the death to the Bank and department and
requested them to convert her Husband pension to family
pension in her favour as there is Joint Notification.
Now,
the Bank authorities turned down the
application stating that , the Name in the PPO is R.Lakshimi
, where as the name of claimant in her account is S.Muthu Lakshimi.
Hence, we can
not convert in to Family pension-
The
Widow wrote to Income Tax Department. They said that, the PPO cannot
be altered. You approach the bank only.
It
is more than 2 year passed , no pension is credited to this widow. This is
the situation- Hardship She is above 80yrs of age.
If
the Officer had opened a Joint Account , the discrepancy would have
been rectified during his life time and the
widow would have got her pension in time.
Now, we
have advised the widow, to publish her name in Government Gazette,
News paper , prepare an Affidavit for DUAL name,
i.e S.Muthu Lakshimi and R. Lakshimi is one and same
person and then convert the existing Bank
account with DUAL name as S.Muthu
Lakshimi @ R.Lakshimi and receive the family pension.
These
are the Hardships will be there if there is no Joint account.
We request all our veterans to covert their single pension account into joint account if not done.