DELAY IN SWITCHING OVER TO FAMILY PENSION.
There are so many
Circulars and instructions regarding
switching over to Family pension
on death of a pensioner.
For instance CDA
circular: 165 dt. 22-2-2013.
Nowadays , most of the
pension accounts are of JOINT ACCOUNT
with their spouse to avoid delay.
In such cases , there is
no reason for the delay in switching over to Family pension on receipt of the
intimation of death along with Death
Certificate.
Of late we observe that ,
the PDAs / CPPCs are not switching over immediately .
They wait for the required Documents like Declaration/
undertaking/ Non-Remarriage certificate etc.
The widows are not aware
of this submission of documents , unless the PDAs inform and provide them with forms. Unfortunately, many Bank branches are
not knowing this procedure. They simply intimate to their CPPC and sit quietly.
The CPPC also not advising
the Branches to obtain the documents, then only switching over can be
done. Thus the delay. Some times, the
delay is more than 6 months time.
The families running their
living with pension only, are put in to
a great
financial hardships.
The widows are in the hope
that, as the death is informed, the family pension will be credited automatically, but it is not happening.
When the widow enquires,
the Branch replies as “ there is no credit from CPPC.”
Note: Widows are to intimate the death in writing
along with death certificate in
duplicate and get one copy having received
to complain later.
It is repeatedly said and informed through
many Circulars and instructions, that,
On receiving the intimation of death of pensioner, where
there is Joint Account and Joint Notification already existing, they can
continue paying the family pension and obtain the required documents in due
course. It is heartening to note
that these instructions are not
followed.
We opine that, on receipt
of death intimation. The Bank CPPC may switch over to family pension if otherwise in order, and instruct the
paying branch to obtain the required documents in a stipulated time, otherwise,
they can Hold on the payment till
the submission. Thus , the delay can be
avoided and help the widows.
The Widow is of the
opinion, that the death is intimated and the family pension will be
Automatically credited .
The Paying Branch thinks
that, the death is intimated to CPPC and they will do the switch over to Family
pension and pension will be credited to widow’s account
The CPPC , on receipt of
the death intimation, note the occurrence
and wait for the required
documents from the paying branch for switching over to family pension.
Note: The branch is not
instructing the widow to submit the required Documents , because they are not
knowing the procedure / not interested.
2. The CPPC also not instructing the Branch to obtain the documents from the widow
and forward.
The ultimate result is, no
switching over and no pension being credited.
The poor Widow is keep on visiting the branch for her pension and receiving the Answer , pension is not
credited by CPPC, wait for some more
time. It is going on like this.
THIS IS DUE TO IGNORANCE
/ IRRESPONSIBLE OF PAYING BRANCH AND ALSO THE CPPC NOT INSTRUCTING THE BRANCH
TO OBTAIN THE DOCUMENTS FROM THE WIDOW.
NOT FOLLOWING THE PENSION PAYMENT INSTRUCTIONS.
WHO CAN BE HELD RESPONSIBLE FOR THIS HAPPENINGS ?
We request our ESM Orgs
and Associations to help the affected widows in their areas in guiding them the
procedure by helping them in filling up
the documents, getting it signed, witnessed and attested for early switching
over.
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