BENEFITS ACCORDED TO SENIOR CITIZENS – Mazhar Ikhlaq
Posted April 26, 2010on:
Benefits for Senior Citizens. Commendable Decisions.
1 .The maximum deposit limit both in Pensioners Benefit Account (PBA) and Bahbood Savings Certificate (BSC) has been increased to Three million rupees and profit increased to 14.16 %.(Rs 1180/- per month per hundred thousand) The facility of subsequent deposit in blocks of 5000/-(conditions apply in PBA) has been allowed in both schemes to avail the maximum limits of Rs. Three million and both these accounts are Exempt from deduction of 10% withholding tax. But the profit is Taxable ???
2. Income limit for Tax purposes, at reduced rate of 50 % applicable to Senior Citizens of 60 years and above, has been raised to 750,000/= from 500,000/= for Tax year 2009-10 and thereafter. However With Holding Tax need also to be reduced by 50% for Seniors..
3. PIA has allowed 10% discount on domestic fare to senior citizens on production of NIC for travel within Pakistan. From Sept.2006, PIA International Air fares have also been reduced by 10 % on their network for Seniors. But with certain conditions ?
4. Pakistan Railways has granted 25% concession for Senior Citizens on Pakistan Railways with the exception of few fast trains.with immediate effect as per pressnote dated 17th June 2005.and 50 % reduction allowed to economy class travel in all trains from July 2006.
5. Decision has been made by Former PM for honoring and creating separate queue for seniors at Railway Stations, Airports, Banks, National Saving Centers, Post Offices and other places where Utility bills are paid. Free entry has also been allowed in Public Parks, museums and libraries etc. which is commendable but full implementation is still awaited / required soonest. by the current Govt.
6. Lahore Gymkhana Club has granted reduction of 50% in monthly Subscription for Senior Citizens of 65 years and above. Seniors of 70 years with 30 years club standing get a further reduction of 25%. Likewise Defence Club of Lahore DHA has also agreed to reduce Monthly subscription of Senior Citizens of 65 years by 50% and reduction in Admission fee as well.
7. Benefits for Senior Citizens: – Decisions Awaited and Thereafter Implementation.
1. District Governments should establish Senior Citizens Cell and seek cooperation of the most talented/experienced section of the society for (a) family strengthening efforts, revival of values and fill up of generation gap. (b) form and mobilize group of senior citizens living in the area for Community Development Projects.Leadership Development, Career planning and development for the youth also poverty reduction.
Sharing of life experiences of the seniors with young groups will be most useful.
2. The Ministry of Social Welfare of Provincial or Federal Government can also make use of the Talent of the Senior Citizens to solve Educational, Health, Environmental and Hygienic problems of the communities, of course, on voluntary basis.
3. Public and Private Road Transport: Make it obligatory to reserve seats for seniors. Display of signboards requesting younger persons to courteously vacate seats for their seniors. Most important is reduction in Intercity – Bus fare.
4. International Travel by Air: 20% reduction is sought on PIA and other Airlines operating from Pakistan as is being practiced in most of the developing countries including our neighbor India.
5. Health Care: Priority may be provided for attendance/attention/Service to seniors. In Public Hospitals. Private Hospitals and clinics may be persuaded to offer reduction in doctors fees and other Hospital charges including clinical labs.
6. Social Welfare Hospitals: Can utilize the services of retired doctors who are willing to provide free medical advice, provided they are allowed to practice and offered space and respect which they deserve.
7. Health awareness: Special health awareness literature, relating to age- related health issues be developed and freely distributed to assist seniors for better maintenance of their health.
8. Justice and fair play: Cases involving Senior Citizens be expeditiously decided by day- to- day hearings to avoid their exploitation.
9. Useful Employment : .Enable appointment of Talented, Experienced, and Healthy seniors for suitable work as consultants or experts on Projects or Administrative work on voluntary basis or on payment of bare minimum living expences
10. Allocation of Land for Graveyards: Seniors are facing severe problems for their burial space in DHA and other localities. District Government is requested to look into this problem and allocate more land for their existing graveyards. DHA administration is requested to purchase more land for burial of their residents-relatives who are although living in DHA are not entitled to be buried in DHA graveyard . DHA could levy a reasonable charge for such burials.
11. Education: Creating awareness for respect to elders through media, pamphlets and brochures. Approaching Education Department for including special chapters on social studies aimed at arresting the eroding values of youngsters. Guidance may be obtained from related verses from Holy Qurran . Help could be sought from our writers also in writing stories & T.V. dramas to help strengthen our social values especially in respect of elderly persons.
12. Division/Department for Seniors. Federal/Provincial Governments may create division / department for seniors on the pattern of Women’s Division to enable institutional and permanent support of Government for seniors.
13. A National Senior Citizens Fund be established wherein, besides Govt. grants, Younger generation be persuaded to contribute for their Rainy Days, on a defined pattern and Federal Govt. be requested to merge the EOBI in it or the scope of EOBI be enlarged so that all able bodied Pakistanis may contribute according to their income towards his/her retirement.
Compiled by M. Mazhar Ikhlaq .
Member Executive Committee
SCFP / DHA & Cantt. Chapter. Lahore
Updated August 18, 2008.
This is important information. It needs to be well in the knowledge of those agencies and NGOs interested in welfare of the elderly.
From: Dr. Ali Akhtar
Benefits, Concessions and Schemes for Senior Citizens in India
Government of India has earmarked special benefits and concessions for Senior Citizens of India. Here is a brief compilation of same for your ready reference :
(1) Court cases involving senior citizens
The Chief Justice of India has advised Chief Justices of all High Courts to accord priority to cases involving older persons and ensure their expeditious disposal. [vide letter of Government of India, Ministry of Social Justice & Empowerment (SD Section), New Delhi, F. No. 20-76/99-SD dated 03.11.1999]
(2) RTI Act (Right to Information Act)
Second appeals filed by senior citizens and differently abled persons under the Right to Information Act (RTI) are taken on a high priority basis, according to a directive of the Central Information Commission (CIC).
For, senior citizens and physically challenged if appeals are already pending with the CIC/SCIC, they should write to the CIC/SCIC about their status.
(3) Health Care
(a) There is provision for separate queues for senior citizens at hospitals and health care centres when they visit for any health related concerns or clinical examinations. In Central Government Hospitals located in Delhi, namely, Safdarjung, Dr. Ram Manohar Lohia Hospital and Lady Hardinge Medical College & associated Hospitals, separate registration counters/windows/rows are provided for senior citizens in OPDs to avoid standing in long queue.
(b) Assistance like wheelchairs/trolleys are also provided for senior citizens in OPDs of Dr. RML Hospital and Safdarjung Hospital, where they are attended on a priority basis.
(c) The Delhi Government runs special clinics for Senior Citizens in most of its hospitals in Delhi.
(d) There is a weekly geriatric OPD in Dr. RML Hospital and Safdarjung Hospital. At All India Institute of Medical Sciences (AIIMS), preference is given to Senior citizens with regard to OPD consultation, emergency management as well as hospitalization.
(e) At Safdarjung Hospital in Delhi 104 beds are reserved for senior citizens. In other Hospitals including AIIMS, although there is no special reservation of beds for senior citizens, preference is given to them in admission and bed is allowed to them on priority.
(4) Finance & Taxation
(a) You are advised to refer to the Indian Income Tax Department for the current slabs of Income Tax including rebate admissible to senior citizens. As per recent finance budget 2012-13 (presented on 16th March, 2012) the threshold income when you start paying tax stands at Rs. 2.50 lakh per annum for senior citizens below 80 years age. For senior citizens who are 80 years and above the threshold income is Rs. 5 lakh per annum.
(b) The benefit of Section 80C of the Income Tax Act, 1961 has been extended to the investments made under 5-Year Post Office Time Deposits Account and Senior Citizens Savings Scheme, with effect from 01.04.2007.
(a) Government also gives a higher rate of interest to senior citizens on certain Savings schemes which it runs through its large network of Post Offices (Senior Citizens Savings Scheme) and Public sector Banks. For further details you are advised to contact your nearest Bank or local Post Office.
(b) Some banks like State Bank of India charge only 50% of the applicable prescribed charges in respect of following services:
i) Issue of duplicate passbook/statement of account
ii) Issue of cheque books,
iii) Noting of standing instructions,
iv) Stop payment instructions,
v) Charges of non maintenance of minimum balance,
vi) Issue of balance certificate,
vii) Signature verification,
viii) Ledger folio charges
ix) Minimum balance requirement is also 50% for these class of customers.
Please check with your nearest Bank on what special facilities exist for Senior Citizens and Pensioners.
(a) Department of Telecommunications has made special provisions for senior citizens who apply for a new telephone connection. The department has earmarked separate priority category for senior citizens wherein they can apply for registration.
(b) In case of any complaint or fault with the telephone a senior citizen’s complaint is redressed on a priority basis.
(c) MTNL (Delhi) gives 25% discount in rentals (Tariff Plan-250 only) and installation to Senior Citizens who are 65 years or above in age. Please submit proof of age when applying to MTNL for availing this concession. Application form for a new connection (MTNL Delhi) in senior citizen category is available here.
(d) MTNL (Mumbai) has a Non-OYT-Special category for Senior Citizens aged 65 years or above. To apply for a new connection in Mumbai, senior citizens can fill this application form. Whereas to avail senior citizen concession on an already existing telephone connection (MTNL Mumbai) this application form needs to be filled in.
Kindly note that these filled in forms are to be submitted to the MTNL offices in your city or sanchar haat. In case of any specific query you may call MTNL Help line 1500 from any MTNL number.
(e) BSNL: I did not find any scheme with BSNL where concessions were admissible to senior citizens. I hope BSNL would consider such rebates soon.
(7) Travel by Indian Railways
(a) Travel by Indian Railways is 40% cheaper for all male Senior Citizens who are 60 years in age or above, while women aged 58 years or above are entitled to 50% concession in fare. Indian Railways provides this fare concession to elderlies in all its trains including Shatabdi, Rajdhani and Jan Shatabdi trains. Kindly note that while travelling all Senior Citizens need to carry proof of their Date of Birth / Age with a Photo ID Card.
(b) There are separate Counters / Queues for Senior Citizens at all Railway Stations for purchase, booking or cancellation of tickets.
(c) Lower Berths: In trains having reserved accommodation, a combined quota of two lower berths per coach has been earmarked in Sleeper, AC 3 tier and AC 2 tier classes for Senior Citizens, Female passenger who is 45 years of age and above and Pregnant women.
(d) In the Computerized Passenger Reservation System (PRS), there is a provision to allot lower berths automatically to male passengers of 60 years and above and female passengers of 45 years and above subject to the availability of lower berths at the time of booking of tickets.
(e) After departure of the train, if there are vacant lower berths available in the train, and if any senior citizen who has been allotted upper/middle berth, approaches for allotment of vacant lower berths, the Conductor/Train Ticket Examiner (TTE) has been authorized to allot the vacant lower berth to them after making necessary entries in the chart.
(f) Special arrangements are available for those who find it difficult to walk or move on their own. Wheel Chairs are available at all major junctions, District Headquarters and other important Railway stations for the convenience of Senior citizens and also for those who are in need.
(g) Indian Railways have recently introduced specially designed coaches which have provisions for hand rails and specially designed toilets for handicapped persons. These coaches also have space for wheel chairs.
(8) Travel by Airlines
(a) Senior Citizens are entitled to 50% discount on Economy Class fares on all flights of Indian Airlines subject to certain conditions.
(b) Air India gives 45% discount in economy class on domestic sectors to senior citizens (women aged 63+ and men aged 65+).
(c) Other Airlines operating in India also offer discounts to senior citizens. It is advisable to check with them before you plan your travel.
(9) Travel by Roadways (state transport)
(a) State Road Transport Undertakings have made provision for senior citizens for reservation of 2 seats in the front row of all buses.
(b) Some state governments also give concessions (in fare) to senior citizens, while some also have specially modelled buses for the elderlies.
(10) Law (Legislations)
(a) Maintenance & Welfare of Parents and Senior Citizens
Indian Government has enacted a law for welfare of elderlies (senior citizens and parents). This law creates provisions for maintenance, protection and security of elders.
Download a copy of the Act
What was the need for this law ? (Statement of Objects and Reasons)
(b) Maintenance Tribunals for Parents and Senior Citizens in Delhi
(11) Old Age Homes and Recreation Centres for Senior Citizens
(a) Old Age Homes in India
(b) Recreation Centres for Senior Citizens in India