DIVIDED FAMILY PENSION REGARDING

                                              

Dear veteran brothers, 

This article  is regarding the  Divided Family pension;

Divided pension is normally granted to  2^nd wife( lawfully)   and eligible any one of the children of first wife- ,  or 1^st wife and children of 2^nd wife.  Equal share  i.e  50% each.

In a Divided family pension cases, where one  pensioner died, the surviving pensioner is automatically  become eligible  for  full pension,  100%,  that is restoration of full pension instead of the existing 50%  

To get this benefit, the death of  pensioner is to be intimated to PDA ( Bank ) as well as the CDA or  Sparsh, if already migrated, with full particulars , PPO no, Bank  and account No etc,  along with a copy of death certificate. This is done by the living pensioner or the relatives of the deceased pensioner.. 

Sparsh Migrated case:  this event is to be reported in the  Sparsh Portal- without Login-

   Services-  Report events heading-     Death Report/ Family pension/stoppage of pension- by furnishing full particulars as per the format in the system -like details of the deceased  and the claimant   ( Death certificate,  Bank details to be uploaded ) 

After verifying the generousness  of the case (death )  . the CDA /Sparsh  will issue  a corr, PPO  informing the  PDA /*SPARSH  to pay full pension to the surviving pensioner –

  This is called RESTORATION OF FULL PENSION.

On receipt of this  instructions , corr.PPO, the PDA  or Sparsh authorities will start   paying full   pension.to the living pensioner. .

 This is the procedure  -for RESTORATION OF FULL PENSION in Divided pension cases. 

All our veterans are requested to note and guide the affected pensioners.

 

 

FOR THE KNOWLEDGE OF OUR VETERANS

 

                                              FOR INFORMATION OF OUR VETERANS 

This is regarding the eligibility of Family pension to a Judicially Separated spouse.

We are all in a opinion that a Divorced Spouse is not eligible for family pension after the death of pensioner.  But it is not so;

  If a male Govt.servant  dies leaving behind  a Judicially separated widow  and no child or children , the family pension shall be payable to the widow .  If the judicial separation was granted  on the ground of ADULTERY  and the widow was held guilty of committing Adultery, no Family pension shall be payable.

In  a normal Divorce,  the widow shall be eligible for Family pension.  

As per  CCS Pension Rule 1972,   Sub Rule- 54  ( 11-A  and  11-B) ,

A divorced Widow  other than Adultery case, is eligible for family pension after the death of pensioner under the following conditions:

a)  If there is no Child or children  or children become In-eligible , the Family pension shall be payable to the  Divorced widow  till her death or remarriage  which ever is earlier.

b)  If the child or children are Minor,  then the divorced widow is eligible for Family pension as  a Guardian for the children.

Note:  

Here , some times the parents of the deceased , ( married pensioner) claim for family pension stating that  the widow was divorced with their son, hence no pension to her and  family pension may be granted to Mother  or father of the deceased.

This situation  is applicable only if the deceased was a bachelor  and not  in case of Married person. After marriage, all the   benefits go to spouse or children only.

All our veterans may please note the same  for reference.

VALUABLE INFORMATION TO VETERANS

   

 VERY VALUABLE AND IMPORTANT INFORMATION 

Many of the pensioners hesitate  in filing  IT returns,  but there is an important information  that shows that  filing  IT returns  has a great advantage to the families  of Pensioners at the time of any accidental death of the pensioner.  

As per section 166 of the Motor Vehicle Act, 1988 ( Supreme court  Judgment under civil appeal No.9858 of 1953 ),

In case, a pensioner died in an accident, his family  is entitled  to 10 times of average income of the last three years , provided he had filed the IT returns  for the last three years.

For Example: 

If the monthly pension of a pensioner  is 25000/- , then his annual income will be 25000 X 12= 3,00000/-. Average income of the last three years say  300000/-, then his family will get  10 times of 3 Lacs-   300000 X 10 = 30,00,000/- 30 Lacs  from Government .No other proof , other than IT returns will be required by the court.  So, filing of IT returns  regularly , even NIL returns by the pensioner  will go  a long way in providing a BIG  economic relief to the bereaved family of the pensioner  on his/ her death by accident.

Failure to file  IT returns  due to ignorance about this information will lead to a great loss to the family  of the pensioner .

All our ESM  associations are requested to pass on this message to our veterans in their areas.

 

SERVICE ELEMENT AND DISABILITY ELEMENT FPR PRE AND POST 2006 INVALIDED PENSIONER

 Dear veteran brothers,

We have published in our blog regarding the  eligibility of Service Element and Disability element  for invalided pensioners who were gtanted only Disability element ,

There are still many veterans are drawing only DISABILITY ELEMENT..   The order from DOPPW  is cear to pay both SE and DE   from 01--01-2006.  

The affected veterans may take up their case  for getting this benefit  . You can approach us also for guidance and help.

Sunday, February 16, 2025

ELIGIBILITY OF SERVICE ELEMENT AND DISABILITY ELEMENT FOR PRE 2006 BOARDED OUT VETERANS

 

Dear veteran brothers, 

We had already published the same article. Once again we are publishing the same as still some banks have not included the  service element, paying Disabilityelement only..

There was a provision for granting DISABILITY ELEMENT  only for those

 who were boarded out with less than 10 yrs of service prior to 1-1-2006..

Now, our Govt., on considering the sufferings of such veterans , has  published

  an order in 2020  for granting both Service element and Disability for such veterans

  Whether Pre  or Post 2006 invalided out veterans w.e.f  01-01-2006.

The Dept of Pension and Pension welfare has issued an order on 28-7-2020.

We understand that , still some Banks are paying only Disability element .

The Order is very clear to pay both SERVICE  ELEMENT and DISABILITY ELEMENT  to such veterans w/e/f  1-1-2006.

The affected veterans may approach  their Bank branches for getting this benefit

 or  they can approach our Trust office for guidance and help.

AUTHORITY:  Dept. Pen& Pen Wel (F)-      No. 1/7/2017-P&PW(F) dt  28-07-2020.

 

UNIVERSAL YOGA DAY

 

Dear all,

We the members of  EXWEL TRUST, TIRUNELVELI-DIST, TAMIL NADU,

  "WISH YOU ALL A HAPPY UNIVERSAL YOGA DAY .  "

A GOOD AND VALUABLE INFORMATION TO ESM COMMUNITY

 

A  GOOD AND VALUABLE  INFORMATION TO ESM COMMUNITY.

A new WEBSITE, a comprehensive website is created as   www.esmcorner.com.

This site is initiated from Signals Record,  we sincerely appreciate and thank them

In the website, all our problems like, Pension, ECHS, Sparsh, Life certificate, , FAQ  etc are covered.

When you open the Website, you will find all the headings like Sparsh, Life certificate  and so on. . You will find the full details for each heading when you select a particular heading.

It is very   useful site for all of us.

All veterans are requested  to open the website  and be benefited.

Dear  Sir ,

I am pleased to share with you all, an effort towards the welfare and empowerment of Indian Armed Forces veterans and future retirees. To address the unique challenges faced by the veteran community we have tried to provide resources, services, and opportunities for a smooth transition from military to civilian life, all at one place in our comprehensive website “www.esmcorner.com”.

Crafted by a Signals veteran the website offers guidance on Retirement Planning, Re-employment, Pension, Health, Education, Legal Help, and other Welfare matters. It serves as a one-stop solution for all ESM-related inquiries, enabling users to navigate their post-retirement life with confidence.

Key areas of our website include:

•         Retirement Planning: Comprehensive guide for pre, during, and post-retirement.

•         Defence News & Updates: Latest Defence news and policies.

•         Jobs Portal: Job alerts for veteran JCO/OR/ Equivalent in tri-services.

•         ECHS & CSD Facilities: Guide on accessing ECHS and CSD facilities post-retirement.

•         Welfare Schemes & Policies: Information on various welfare schemes, policies and scholarships.

•         Education Portal: Education and skill development of dependents.

•         Key Directives: Access to all important Policies, Advisories, Regulations, etc.

•         Forms Kit: All necessary forms required after retirement.

•         How-To Guides: Step-by-step guides on various topics.

•         FAQs: Answers to doubts and queries on a wide range of topics.

•         ESM Affairs: Section dedicated to ESM-related topics.

•         Important Contacts: Vital contacts and essential websites links for post-retirement life.

•         ESM Community : ESM Corner is a dedicated platform for Indian Armed Forces Veterans and future retirees and it offers dedicated community of ESMs to connect and support each other.

For sustainability of this cause we have also introduced some paid services:

•         ITR Filing

•         Customized Resume Building: Translating military skills into civilian competencies, enhancing job prospects.

•         Legal Assistance for AFT: Providing legal counsel and representation for matters related to the Armed Forces Tribunal (AFT).

•         RTI Filing: Simplifying the process of filing Right to Information (RTI) applications online.

Add-ons:

•         Success Stories of ESMs: Sharing inspirational stories of Veterans about their achievements.

•         Support from Veterans in WhatsApp Groups: Providing a platform for veterans to share experiences and support each other.

•         Access ESM Corner by typing ‘ESM CORNER’ in your web browser’s search bar or directly visit ‘www.esmcorner.com’.

 

Join ESM Corner for:

•         Comprehensive post-retirement solutions.

•         User-friendly interface that supports 11 Indian languages for better understanding for all.

•         Ad-free, refined content.

•         Dedicated community forum.

•         Affordable services maintained by a Signals Veteran.

Apart from requesting your support in sharing this information with future retirees and veterans (Army, Navy, Air Force), I strongly believe that our collective intellect and expertise can contribute more insights to this platform. Please share your thoughts and suggestions, as they are invaluable in shaping our m.

GREETINGS ON BAKRITH FESTIVAL

 

Dear  Muslim veteran brothers,  

We, the Exwel Trust, Members, Tirunelveli Dist, Tamil Nadu 

" WISH YOU ALL A HAPPY BAKRITH FESTIVAL."

ENHANCEMENT OF DEARNWSS RELIEF RO EX-GRATIA PENSIONERS.

 

ENHANCEMENT OF DEARNESS RELIEF TO EX-GRATIA PENSIONERS

DEAR VETERANS, 

The Dearness relief  for Ex-Gratia pensioners  is enhanced by 12%   w.e.f  01-07-2024..

The orded is released very late  i.e  on 11-04-2025 .

For  pensioners it is  from  443 TO 455    and for Families  from  435 TO 447 

                                                 ILLUSTRATION

FOR PENSIONERS                                          FOR FAMILY PENSIONERS.

BASIC  ;            750.00                                                        645.00:

DP..................    375.00                                                         323.00

Total  BP..........1125.00                                                       968.00

DR 455%......  ..5119 .00                                   447%          4327.00

Total pen...../   6244.00                                                       5295.00

The affected Ex-Gratia pensioners  may approach  their banks for getting the  enhanced rate of  dearnessRelief  w.e.f  01-07-2024.

AUTHIRITY  :  GOI- DOPPW  No:  42/02/2024-P &PW (D)   dated  11-04-2025

GOOD RESULT OF OUR EFFORTS

 

Hony.Capt. Shanmugavel   with our  Liaison Officer  Vet Sgt.S.Kanthiah at our Trust Office.

GOOD RESULT OF OUR EFFORTS

 

We took up the case of three HONY,Officers  with Qualifying service  32.5 yrs and above

  as per PCDA cir 679.

 

1. Hony. Capt.  Shanmugavel     (   JC199023w ) Army.

2.  Hony., FO  . Arumugam   (644940R)  Air Force

3. Hony, FO.    Chandra sekaran (215814 T)  Air Force

 

We lodged in   CPENGRAMS about the non revision  of the above 3 cases.

The Pension of  all the three is now  revised  as per PCDA cir 679  Basic pension from 41532 to 46300 w.e.f  01-07-2024 and the eligible  arrears also paid.

 

Any such Hony.Officers  with QS 32.5 yrs and above may approach us for help.

 

All the three Officers  expressed their  thanks to our EXWEL Trust.

 

We are happy  of our achievement.

 

TAMIL NEW YEAR GREETINGS

 

Dear All,

WE, THE EXWEL TRUST MEMBERS OF TIRUNELVELI DIST  TAMIL NADU,

"  WISH YOU  ALL  A VERY HAPPY AND PROSPEROUS TAMIL NEW YEAR. "

DA / DR ENHANCEMENT APPROVED BY CABINET COMMITTEE

 

We are happy that, our Govt. has anounced the Enhancement of  DA/ DR  

 by 2%  with effect from 01-01-2025.

OUR DA  IS INCEASED FROM 53 %  TO 55%  W.E.F   01-01-2025.

Cabinet approves release of an additional instalment of Dearness Allowance to Central Government employees and Dearness Relief to Pensioners w.e.f. 01.01.2025

48.66 lakh Central Government employees and 66.55 lakhs pensioners to benefit

2% benefit to cost Rs. 6614.04 crore per annum to exchequer

Posted On: 28 MAR 2025 4:15PM by PIB Delhi

The Union Cabinet chaired by Prime Minister Narendra Modi approved to release of an additional instalment of Dearness Allowance (DA) to Central Government employees and Dearness Relief (DR) to pensioners w.e.f. 01.01.2025 representing an increase of 2% over the existing rate of 53% of the Basic Pay/Pension, to compensate against price rise.

The combined impact on the exchequer on account of increase in both Dearness Allowance and Dearness Relief would be Rs. 6614.04 crore per annum. This will benefit about 48.66 lakh Central Government employees and 66.55 lakhs pensioners.

This increase is in accordance with the accepted formula, which is based on the recommendations of the 7^th  Central Pay Commission.

 AUTHORITY  :DOPPW ltr  No:  42/2/2024-P&PW (D)    dt 11-4-2025

RAMALAN FESTIVAL GREETINGS

 

Dear  Muslim brothers,

We, the members of  EXWEL TRUST, tIRUNELVELI DIST, tAMIL NADU,

" WISH YOU  ALL A HAPPY RAMZAN FESTIVAL 2025. "

NAME OF DSP ACCOUNT IN OTHER BANKS

 

Dear Veteran brothers,

We understand that still many of our veterans have not  converted their Normal SB a/c to  DSP a/c.   Kindly take initiative to convert for getting the benefits.

wE HAVE  published the same article on May 28th 2024 in our Blog.   We are again publishing the same for your benefits,

We all know that there a scheme   DSP  (Defence Salary Package )  and our existing pension account is

   converted in to  DSP account.

There are many  benefits  in the scheme   like accident coverage .

Now the same  scheme is introduced in other banks also.  Our veterans are not aware of this /

 

We are giving the name  of DSP a/c  in other Banks  for your information and knowledge.

 

Axis bank:     ULTIMA DEFENCE SALARY ACCOUNT   (Pension Salute)

 

Bank of India : JAI JAWAN SALARY PLUS

 

Bank of Baroda:   SALARY AND PENSION SALUTION

 

Canara Bank : JEEVAN DHARA

 

Central Bank of India:   CENT PARAM

 

Indian Bank:  IB SALAM SPECIAL A/C  FOR DEFENCE

 

Punjab National Bank-(PNB) : RAKSHAK PLUS SCHEME 

      

 Indian OverseasbanK           : DEFNON

SBI                                           :   DSP   

Please visit the website of individual   bank and     check up for this information. 

 

Dear veterans, please visit your Bank and  arrange to convert the existing pension account

to  DSP a/c   to avail the benefits  when contingency arises  

KIND ATTENTION TO OUR ECHS MEMBERS

 Our ECHS authorities have released one Advisory for all the Primary members of ECHS.

They have instructed us to submit oneDECLRATION   regarding MISUSE of the ECHS Cards. 

We have to submit the DECLARATION BY 30-06-2025 TO  our Officer In Charge, ECHS Poly clinics

AUTHORITY: MD ECHS  ADVISORY No:  B/49492/ AG/ECHS/Vig/69  dated 21-03-2025

FORM OF DECLARATION BY ECHS MEMBER.

I  hereby solemnly reaffirm and declare that, if any ECHS membership Card issued to me and my  dependents  on any accts is misused or used by any unauthorized person , my membership will be cancelled without any notice or further hearing . In addition , I will forfeit my  contribution and I will pay the entire cost of expenditure incurred on such unauthorized claims. I will also be liable for legal action by ECHS organization.

ECHS Beneficiary Name:

Membership Card No:

Signature of Member:

Date:

ENHANCEMENT OF DEARNESS RELIEF TO EX-GRATIA PENSIONERS

 

DEAR VETERANS, 

The Dearness relief  for Ex-Gratia pensioners  is enhanced by 16%   w.e.f  01-01-2024..

The orded is released very late  i.e  on 09-08-02024 .

For  pensioners it is  from  427% to 443%     and for Families  from 419% to 435% 

                                                 ILLUSTRATION

FOR PENSIONERS                                          FOR FAMILY PENSIONERS.

BASIC  ;            750.00                                                        645.00:

DP..................    375.00                                                         323.00

Total  BP..........1125.00                                                       968.00

DR 443%........4984.00                                   435%          4211.00

Total pen...../   6109.00                                                       5179.00

The affected Ex-Gratia pensioners  may approach  their banks for getting the  enhanced rate of

dearnessRelief  w.e.f  01-01-2024.

Authority:   GOI. Dept of pendion and pension welfare No. 42/02/2024-P&PW(D) DT.09-08-24.

FOR INFORMATION OF ALL ECHS MEMBERS

An Advisory from MD, Echs is published. In that, it is clearly mentioned that, members 70yrs and above  need not obtain Referral from Polyclinic to visit Empannelled Hospitals. They can visit hospitals with ECHS card  for any complain  without referral.

All our ESMs may please convey this message to others in their areas..

Auth: ADVISORY NO: B/49774/AG/ECHS/2025 DATED 12-03-2025..

GOOD NEWS- PERSONNEL ACCIDENT INSURANCE LIMIT IS ENHANCED IN SBI DSP ACCOUNT.

 

SALARY PACKAGE ACCOUNT IN SBI FOR DEFENCE SERVING PERSONNEL AND PENSIONERS.

 The SBI authorities have entered in to a MOU  with ARMY. AIR FORCE  AND CRPF enhancing the  Personnel Accident Insurance  (PAI) limit.

By this MOU,   the existing limit of  30 lacs  is enhanced to 50 lacs.

For Army…. From 30 lacs to  50 lacs  w.e.f    14-01-2025

For Air Force         30 lacs to 50 lacs    w.e.f.    04-02-2025

For  CRPF…………….30 lacs to 50 Lacs  w.e.f    04-02-2025

All other existing benefits will continue.

All our veterans are requested to convert their existing Normal SBI account  and

  ATM Debit cards  into  DSP account  to avail this benefit. 

Authority:  SBI- Resources/SPA/2024-25/652  dated 27-02-2025

 

WIDOW'S OF HONY NB,SUBEDARS - ELIGiBLE FOR REVISED PENSION.

 Dear  veteran brothers, 

Here is a good news for Hav,granted with Hony.Nb.Subedars   there was a circular 631, and eligible Hony Nb,Sub gor ther arrears,

Now,  as per CDA cir 678  dated 24-09-2024,   and MOD Ltr No, 1(13) 2016/D( Pen/Pol) dated 22-8-2024,  the Widow's of Hony.Nb.Suberars also ligibile for the same benefit.

the affected  family pensioners may approach their  Bank baranches for availing this benefit..

ELIGIBILITY OF SERVICE ELEMENT AND DISABILITY ELEMENT FOR PRE 2006 BOARDED OUT VETERANS

 

Dear veteran brothers, 

We had already published the same article. Once again we are publishing the same as still some banks have not included the  service element, paying Disabilityelement only..

There was a provision for granting DISABILITY ELEMENT  only for those

 who were boarded out with less than 10 yrs of service prior to 1-1-2006..

Now, our Govt., on considering the sufferings of such veterans , has  published

  an order in 2020  for granting both Service element and Disability for such veterans

  Whether Pre  or Post 2006 invalided out veterans w.e.f  01-01-2006.

The Dept of Pension and Pension welfare has issued an order on 28-7-2020.

We understand that , still some Banks are paying only Disability element .

The Order is very clear to pay both SERVICE  ELEMENT and DISABILITY ELEMENT  to such veterans w/e/f  1-1-2006.

The affected veterans may approach  their Bank branches for getting this benefit

 or  they can approach our Trust office for guidance and help.

AUTHORITY:  Dept. Pen& Pen Wel (F)-      No. 1/7/2017-P&PW(F) dt  28-07-2020.

 

CONDOLENCE MESSAGE

,

WE, THE MEMBEREXPRESS OF  EXWEL TRUST, TIRUNELVELI DIST,

EXPRESS OUR DEEP CONDOLENCES ON THE DEMISE OF OUR BELOVED  FRIEND VET.SGT.S SHANMUGAM  ON 04-02-2025..HE WAS REEMPLOYED SBI.

HE WAS A VERY ACTIVE MEMBER IN HELPING OUR VETERANS IN THANJAVORE DIST, HE IS KNOWN TO ALL THE ESM ASSOCIATIONS..

"WE PRAY THAT HIS SOUL REST IN PEACE."

WE EXPRESS OUR GRIEF TO HIS FAMILY MEMBERS

76TH REPUBLICDAY 2025

 

WE, THE MEMBERS OF EXWEL TRUST , TIRUNELVELI DIST,TAMIL NADU 

"WISH YOU AL A HAPPY 76TH REPUBLIV DAY- JANUARY 26TH. 2025"

HAPPY NEWS - 8TH PCY COMMISSION

 IT IS A GOOD NEWS THAT  OUR  CENTRAL GOVERNMENT HAS  AGREED TO FORM

 THE    8TH  CENTRAL PAY COMMISSION WHICH DUE FROM 01-01-2026.  

THE MEMBERS OF THE COMMISSION WILL BE  ANOUINCED SOON.

THIS IS A HAPPY NEWS FOR  CENTRAL GOVT. EMPLOYEES AND PENSIONERS. .

GREETINGS ON ARMY DAY

 

TODAY IS  JANUARY 15...IS  OUR  77TH ARMY DAY.

WE, THE MEMBERS OF EXWEL TRUST, TIRUNELVLEI DIST, TAMIL NADU,

" HONOUR OUR BRAVE ARMY MEN ON THIS DAY- 15-01-2025  "

GREETINGS TO ALL VETERANS.

 

TODAY, THE 14TH JANUARY IS   VETERANS DAY.

WE, THE MEMBERES OF EXWEL TRUST , TIRUNELVELI DIST TAMIL NADU,

"REMEMBER AND HONOUR, RESPECT ALL THE VETERANS FOR THEIR SERVICES DURING THEIR ACTIVE SERVICES, "

" WE WISH THEM A HAPPY, HEALTHY AND LONG LIFE"

PONGAL GREETINGS -2025

DEAR  VISITORS AND FRIENDS ,

We, the Exwel Trust memebers of Tirunelveli- Dist, Tamil Nadu, 

"WISH YOU ALL A HAPPY PONGAL 2025."

WISHING YOU A YEAR OF FULL OF HAPPINESS , PEACE AND PROSPERITY .

HAVE A BLESSEDAND JOYFUL PONGAL CELEBRATION.

GREETINGS TO 102 YRS OLD LT.GENERAL.

  RESPECTED  LT.GENERAL  S.N.SHARMA   (RETD)  AGED 102 YRS   AND 

  HIS WIFE  AGED 97 YRS 

 WE, THE MEMBERS OF EXWEL TRUST, TIRUNELVELI DIST, TAMIL NADU,

 "WISH  THE LT.GENERAL S,N,SHARMA (RETD) , AGED 102 , AND HIS WIFE 97 YRS OLD, A HAPPY AND PROSPEROUS NEW YEAR AND  PRAY FOR THEIR   HAPPY AND HEALRHY   GOING FOR MANY MORE YEARS. "

THE HAPPY COUPLE LIVE IN   KHAN MARKET - NEW DELHI

Source:  Sanjha Morcha blog.