TREASURE CHEST

LIFE TIME PENSION FOR WIDOW OF PUBLIC SERVANT

Posted on: December 29, 2015

LIFE TIME PENSION FOR WIDOW OF PUBLIC SERVANT

APPLICATION FORM SAMPLE AS APPLICABLE OF OFFICERS OF AUDIT DEPARTMENT.

MODIFY ACCORDING TO YOUR DEPARTMENT

 

187-A DHA, Lahore

Phone: _____/______/20_____

The Additional Accountant General,

Pakistan Revenues, Lahore

Dear Sir

 

Family Pension – Mrs. Zahiruddin Jeddy

  1. My husband Mr. Muhammad ZahiruddinJeddy, who retired as Accountant General Pakistan Revenues, Islamabad on 28 February 1995, has expired on ___ ___  _________.
  1. The marhoom was in receipt of pension initially through PPO No.25945/PAK. That pension book was surrendered when the pension was computerized under No.50191947-01.
  1. I being the only widow of the marhoom am now entitled to receive family pension. Kindly allow me pension at the earliest.  I am attaching herewith the following :-
  • Copy of Death Certificate
  • Particulars of all family members
  • NADRA family registration certificate copy
  • Certificate of my being only legally wedded and not separated during lifewidow
  • Affidavit about not having remarried
  • My specimen signatures, finger prints and 2 photographs
  • DSC Form, duly acknowledged by the Bank
  • Bank account number and bank branch and location
  • Undertaking to refund if any excess pension is credited

========================================================

Enumerated documents need to be submitted to Addl AG PR when the occasion arises.

A separate bank account is to be opened in the name of the wife for receiving her family pension.  The same procedure will have to followed as of giving a stamp paper to bank and then getting bank manager’s signature on DCS Form for the new pension account.

Names, CNIC numbers in the table may be filled in in advance.  However the ages will be stated when the occasion demands.

Wife of diseased can apply to NADRA for the Family Registration Certificate.

Attestation of all documents will be done by the DDO of administrative office/ Auditor General office.

==========================END=========================================

SUPPLEMENTARY/ ADDITIONAL INFORMATION IN DETAIL

INFORMATION OF CHILDREN

#                 Name                                 CNIC No.                Age        Relationship       Status

 

1 Shahida Begum Jeddy     Wife widow
2 Muhammad Farooq Jeddy     Son Married
3 Mrs. Amina Anis     Daughter Married
4 Muhammad Faisal Jeddy     Son Married

Attested

Certified that I am the only legally wedded wife of marhoom Muhammad ZahiruddinJeddy, and was never separated from him.

 

(Name)

Dated Lahore, the ______________________                                  CNIC No.

Attested

Certified that I have not re-married after the death of my marhoom husband Muhammad ZahiruddinJeddy.  I further declare that if and when I re-marry, I will give due notice to all concerned.

(Name)

Dated Lahore, the ______________________                                  CNIC No.

Attested

I hereby undertake to refund if any excess family pension is paid to me.

(Name)

Dated Lahore, the ______________________                                  CNIC No.

Attested

Specimen signatures and finger prints of ___________________widow of Muhammad ZahiruddinJeddy

  1. ______________________
  1. ________________________
  1. ________________________

 

Right hand

Thumb                      Index                         Middle                         Ring                   Small

Left hand

Thumb                      Index                         Middle                         Ring                   Small

Attested

…………………………………………………..

SAMPLE OF WIDOW’S FAMILY PENSION APPLICATION

PLEASE COPY THIS APPLICATION FORM TO YOUR COMPUTER AND FILL IT WITH APPLICABLE DATA.

PLEASE ALSO  SEE NOTE BELOW THIS SAMPLE APPLICATION ADDRESSED TO YOU

fROM xxxxx

Address  xxxxxx  xxxxxxx

Dated. xx.xxx.xxxx

To

The Accountant General

Pakistan Revenues,

Islamabad.

Dear Sir

Subject: Family Pension Application for Mrs..xxxxx, widow of Late  Mr.xxxxxx xxxxx

  1. This is to bring to your kind notice that my husband xxxxxxx, drawing pension under your office PPO No.xxxxx dated xx.xx.xxxxe expired on xx.xxx.xxxx.
  1. Kindly issue due family pension to me, his widow. I am attaching the following documents in this connection:-
  • Copy of PPO mentioned above
  • Copy of Death Certificate
  • My specimen signatures and thumb/fingers impressions
  • Two photographs, and two copies of my CNIC
  • Details of family members, and copy of Form B
  • Bank branch and account number where pension to be received
  • Requisite affidavit on stamp paper about non-separation, non re-marriage
  • Undertaking to refund any excess pension (included in above)

Thanking you

Mrs xxxxxx xxxxx

……………………………………………………………………………………………………

Details of bank account from where pension is to be drawn

Account No. xxxxxxxx

Xxxxxx Bank,

Branch xxxxxx

Bank Location xxxxxx  City: xxxxxx

Account of Mrs. xxxxx xxxxx

Widow of Late Mr. xxxxxx xxxx

PPO No.xxxxxxx-xx of late husband

…………………………………………………………………

Details of family members of Late xxxx xxxxx, PPO No.xxxxxx-xx

S.No.                    Name                   CNIC                                  Age        Relationship              Status

  1. Mrs. xxxxxx xxx l xxxxx-xxxx-xxxx                             xx             wife                  widow
  1. Mrs.xxxx xxxxxxx xxxxx-xxxxxx-x2                             xx          Daughter              married
  1. Mr. xxxxx xxxxxx xxxxx-xxxxx-x7                                xx             son                    married

 

Attested

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INDEMNITY BOND

The Manager

Xxxxx Bank,

xxxxx Branch,

City xxxxxxx

In compliance of the State Bank of Pakistan (SBP’s) instructions for payment of pension through your Bank branch, I agree to indemnify you and keep you indemnified about liabilities with all sums of money whatsoever including mark-up of my Pension Account.  I further undertake that my legal heirs, successors, executors shall be liable to refund excess amount, if any, credited to my Pension Account either in full or in installments equal to such excess amount.

Co-indemnifier__________________                       Signatures____________________

Mr. xxxxx (son)                                                                             Mrs xxxxxx xxxx (family pensioner)

CNIC No.xxxxxx-x5                                                CNIC No.xxxxx-x

Address:xxxxxxxx                                                    Address: xxxxxxxx

Witness 1  ______________________                      Witness 2 __________________

CNIC No.xxxxxx                                                          CNIC No xxxxxxx

Dated: xxxxx                                                               Dated:  xxxxx

 

OPTION FORM FOR DIRECT CREDIT OF PENSION THROUGH BANK ACCOUNT

Pensioner Information (To be filled in by the Pensioner)

PPO No.  xxxxx-xx-xx
SAP Personnel No.
Accounts Office (From where PPO originally issued)  XXXXXXX  (AG PR ISLAMABAD)
Name of Pensioner  Late Mr. xxxxxFather/Husband Name
Father’s Name of Pensioner  Mr. xxxxxxx
Family Pensioner Name  Mrs xxxxx xxxxx
Spouse/Father/Mother Name  Late Mr.
Pensioner NIC old#  xxxxxxx
Pensioner CNIC #  xxxxxxx-xxxx
Family Pensioner CNIC#  xxxxxxxx-xxxxxx
Residential Address (Current)  Xxxxxxxx,,xxx,xxx
Residential Address (Permanent)  AS ABOVE
Designation & Grade at the time of Retirement  XXXXXX, GRADE XX
Ministry/Division/Deptt./Office  XXXXXX
Present Bank Address & Code No.  xxxx Bank, at City xxxx
I hereby opt to draw pension through direct credit system and have also submitted *Indemnity Bond to the bank.

*The Pensioner shall produce an Indemnity Bond to keep the bank indemnified about liabilities with all sums of money whatsoever including mark-up of his/her Pension Account. The pensioner would further undertake that his/her legal heirs, successors, executors shall be liable to refund excess amount, if any, credited to his/her Pension Account either in full or in installments (as agreed mutually) equal to such excess amount__

 

Pensioner’s Signature/Thumb Impression

 

Dated

Account Verification (To be verified by the Bank)

Account Title (Name) XXXXXX  XXXXXX
Account No. xxxxxxxxxxxxxxxxxx
Branch Name/Address XXXX BANK xxxxxx City xxxxxx
Branch Code xxxxx
Indemnity Bond/Lien submitted by the Pensioner       YES

Signature/Stamp of Bank Manager

…………………………………………………………………………………….. 

To be issued by Accounts Office

Acknowledgement Receipt No.___________     Signature of Officer__________

Date_____________

……………………………………………………………………………….

xxxxxxxxxxxxxxxxxx,   widow of xxxxxxxxxxxxx, holding CNIC No. xxxxxxxxx

And a widow of deceased xxxxxxxxxxxxxxx. Former xxxxxxxxxxxxxxxxxxx

Resident of xxxxxxxxxxxxxxxxxxxxxxxxxx   last posted as  xxxxxxxxxxxxxxxxxxx

And in receipt of pednsion through xxxxxxxxxxxxxxx  PPO  xxxxxxxxxxxxxxx

Issued by  xxxxxxxxxxxxxx,

Do hereby solemnly affirm and declare as under

  1. That the deceased government named above was my husband and I am the only widow of the above named deceased government servant.
  1. I was never separated during life of my husband.
  1. There is no other rightful claimant of family pension
  1. I undertake to refund any excess amount of pension paid to me.

xxxxxxxxxxxxx

Deponent

Attested  xxxxxxxxxxx

Notary public

==============================END OF FORM================================

NOTE FOR YOU DEAR READER

We all know very well that a day will surely come when each of us will leave this world to present ourselves in the court of our Creator. The event of your demise will be awfully traumatic for your survivors.  With that event, sudden or not,  many effects occur in the lives of those you leave behind. Make your own list of what all those  could be. These will be different for different for people. Families are thrown off routines and close relatives, you widow and heirs, will be in a panic situation. Let me now be a bit undiplomatic. What I wish to reiterate is DO NOT ASSUME YOU WILL LIVE FOREVER. YOU WILL NOT. That is one of the certainties of life. Because you did come into this life, you also have to leave. Are we all agreed on this proposition? Good. Let us move on.

Assume you, Sir,  will depart, perhaps suddenly, a few days hence. Unless you have been very careful, (not much chance) you will have left numerous items of unfinished business, stuff  half way though. For instance there will be questions relating to assets, cash and other properties for which you may have left no up-to-date written will. Identification of where all your assets are lying will be one of the problems. Please sit down for a moment with a sheet of paper and jot down how things will stand should your bell ring  tomorrow (or within a week or month.) There may have been no notice of this coming event or perhaps some notice may have been announced by your doctor. There are so many possible variations. Sit down and assess.

In this paper I will talk only about one element which is immediately important after your death, even though it does not affect all families of each and all. It relates only to families of demised government servants and also to families of others, those employed in semi-government organizations, such as WAPDA and other official corporations. Generally, rules are similar here also.

What I am referring to is FAMILY PENSION.

Family pension is a monthly amount the government will continue to pay to the widow for life or to an un-married or divorced daughter or other dependent persons, PROVIDED THE DISEASED HAD SERVICE OF AT LEAST 10 YEARS. (Other restrictions apply for others.) In case of some of my own demised colleagues, their own wives did not know that provision for family pension exists. Make sure your own wife is well aware of her rights. However, there are a series of formalities, in the form of paper work, that need to be completed before payments, called FAMILY PENSION,  are started to the widow or others. Your wife also needs to know what these formalities are. This too is very important.

While you are alive there are monthly documents issued by the accounts office showing emoluments you are paid every month. In case your are retired, you would be drawing pension using an extremely important document called PPO or Pension Payment Order which bears  a specific identification number, called PPO No. Some retired persons surrender their PPO to the accounts office who thereafter credit their pensions directly to their bank account. PPO is not available in those cases. But, in general, your wife needs to know what is your PPO and where you keep it. An un-retrievable PPO in this critical occasion is no end of trouble and will cause a lot of hassle and delay in starting payment of family pension which could be a critical source of income in those hard times. Some persons leave their PPOs in custody of the bank branch from where they draw their pension. If your wife does not know that, there could be a hunt all over the house with no result

To start with,  as soon as you die your wife needs to make sure she obtains a “DEATH CERTICATE” from the competent municipal office, signed by a designated officer. This could be a hassle during a sensitive time, but needs to be done without failure because it is an essential proof of entitlement for Family Pension which your wife will need to forward to the accounts office along-with other required papers.  If death occurs in  hospital, get a death certificate from them also, preferably in duplicate.

What could usefully be done straight away by you is to open THREE files. That is because you may need to send two of them to the office from where your spouse retired, and a third for safe-keeping with yourself. There have been many cases where the files you submitted were lost in the paper chaos of a government office. I frightens me to detail what hardship will ensue.

One the first page, place a copy of an application applying or family pension. You need to get this prescribed form from the office where you retired or, failing that, from the office of the Accountant General. It is an elaborate form containing a huge list of items which need to be completed.

On the second page of each file place a blank paper. On it write “Replace this page with DEATH CERTIFICATE.” (State how to go about obtaining this document. This may entail a bit or research as applicable in your case.)

Place more sheets relating to other papers as required to complete the application. Many need attestation by designated officers.

These include the following documents required for sanction of family pension.

On (pensioner’s) death after retirement, 2 sets of attested documents are required such as:

. Family pension application through relevant office

. Death certificate in respect of deceased pensioner

. Specimen signatures and thumb/finger prints

. Complete details of family and Form B from NADRA

. Bank Branch Name and Account Number (Option form for Direct Credit System)

. Original Pension of deceased pensioner, PPO.

. Affidavit on stamp paper about non-re-marriage, non-separation during life

. Undertaking for refund of excess paid pension

. Affidavit on stamp paper about non-marriage of unmarried daughter

. Affidavit on stamp paper about non-re-marriage of widowed daughter

I had requested our friend, Aagha Amir saheb to draft a paper which is reproduced below in full. You will need to see it to appreciate the requirements in more detail. If you have more concerns, please enquire from the accounts office. You may also enquire from Agha Amir saheb, Islamabad, whose email address is s below:

amir_agha@hotmail.com

This is an important document. This will also be available from my website which you can access at the following link:

http://www.zjeddy.wordpress.com

or just type

zjeddy treasure chest

in your browser and it will hopefully lead you to my website. Fresh updates pertaining to  this subject will also hopefully be made available, Insha Allah.

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Terminal benefits in case of death during service

  1. When a government servants dies during service, after rendering 5 or more years of qualifying service, terminal benefits are admissible to the family members / other relatives listed below.  The term ‘family’ hereinafter includes other relatives listed at S.Nos.10 to 14 below.

Note.  Para Number** given in table below against each serial number is the paragraph number of Annexure mentioned in paragraphs 2 and 3 of the original Pension-cum-Gratuity Scheme 1954 (the 1954 scheme) issued under Ministry of Finance under O.M. No. (4)F. 12(2)-RI/53 dated 24 March 1954.

 

Gratuity and / or  Family Pension eligibility, as amended lastly through                                                                           Fin Div. O.M. No.F.2(2)Reg-6/96-IX-700 dated 7 July 2015
S No Para Number** Of Family Members(in order of precedence)
1 8 (1) 2 (a) (i) widow(s) / husband / eligible children under 21 of the deceased pensioner
2 8 (1) 2 (a) (ii) Failing (i) above, the eldest surviving son under 21
3 8 (1) 2 (a) (iii) Failing (i) and (ii) above, the eldest surviving unmarried daughter
4 8 (1) 2 (a) (iv) Failing (i) to (iii) above, the eldest widowed daughter
5 8 (1) 2 (a) (v) Failing (i) to (iv) above, the eldest divorced daughter
6 8 (1) 2 (a) (vi) Failing (i) to (v) above, the eldest widow of a deceased son
7 8 (1) 2 (a) (vii) Failing (i) to (vi) above, the eldest son under 21 of a deceased son
8 8 (1) 2 (a) (viii) Failing (i) to (vi) above, the eldest unmarried daughter of a deceased son
9 8 (1) 2 (a) (ix) Failing (i) to (vii) above, the eldest widowed daughter of a deceased son
Para Number Of Other relativesthan Family members (in order of precedence)
10 8 (1) 2 (b) (i) father
11 8 (1) 2 (b) (ii) failing (i), mother
12 8 (1) 2 (b) (iii) failing (i) and (ii) above, eldest surviving brother under 21
13 8 (1) 2 (b) (iv) failing (i) to (iii) above, eldest surviving unmarried sister under 21
14 8 (1) 2 (b) (v) failing (i) to (iv) above, eldest surviving widowed sister

 

  1. If the qualifying service of deceased government servant is of 5 years or more but less than 10 years, gratuity alone is admissible.  Amount of gratuity depends on the emoluments last drawn by the deceased government servant, and the number of qualifying years of service.
  2. If, however, the qualifying service is of 10 or more years, family is entitle to receive:

(i)       Commutation value, as per prescribed table, against surrender of 1/4th of the amount of pension [to be calculated with reference to last-drawn / average emoluments and number of years’ service]; and

(ii)      75% of the pension calculated as explained above [out of which another fraction, initially 25% but later restricted to 15%, and currently to 10% of the gross due pension may further be commuted at the option of applicant, and the balance residual pension drawn per month].

  1. A formal application in prescribed form has to be initiated by the eligible family member/s through Head of the (parent) Department where the government servant was last serving.  All ministries, departments and offices are supposed to have the form in their Accounts / Administration offices.  The form is otherwise available as priced publication printed by private parties also.  Apart from providing all requisite information listed within the form, and attaching the usual documents for retiring pension, following additional documents would have to be attached with the Application Form:

(i) Death Certificate;

(ii) Details of all eligible family members;

(iii) Non-marriage Certificate

(iv) Evidence of dependence upon the deceased government servant Certificate [if the application is from a person included at S.Nos. 10 to 14 of the table above.

(v)  Court Certificate if other eligible family members authorize the applicant

(vi) Copies of CNIC of applicant/s and Form B showing list of minor family members

  1. Once the (i) Application for Gratuity / Pension and (ii) attached documents are accepted to be complete and correct, the Account Office (headed by Accountant General, or any other authorized officer) will issue the Gratuity / Pension Payment Order in favour of the applicant/s.

Death after retirement

  1. If a government servant (the principal pensioner) dies after retirement, family pension application on plain paper has to be submitted to the relevant Accounts Office (which issued the original Pension Payment Order) by the eligible family member/s [through the Head of Department where the pensioner had last served], accompanied by certain documents, including:

(i) Original Pension Book (if not already surrendered under Direct Credit System);

(ii) Death Certificate;

(iii) Details of all eligible family members;

(iv) Certificate about having been the only wife and non-separation during life of husband, and being non-remarried after becoming widow.

(v) Dependence upon the deceased government servant Certificate (for applicants listed at S.Nos.11 to 15 of the table above)

(vi)  Court Certificate if other eligible family members authorize the applicant

(vii) Copies of CNIC of applicant/s and Form B showing list of minor family members

 

Specimens of Certificates

  1. No specific forms of certificates have been prescribed in the pension rules / 1954 scheme.   Copies of some certificates are given below which have been accepted by the Accounts Offices

UPDATE

It has been categorically confirmed by the Finance Division through their O.M. No.F.2(2)-Reg.6/2015-894 dated 10 Dec 2015 that there is no embargo upon the widowed / divorced daughter of a deceased pensioner to receive her father’s pension in addition to other sources of income, including:

(a) pension of her late husband;

(b) her own salary in government service; or

(c) her own pension as a retired government servant.

In fact, only the father, mother, brother u/21, eldest unmarried sister, widowed sisters, to whom pension of a deceased government servant cannot be allowed “without production of a reasonable proof that such a person was dependent upon the deceased government servant (pensioner) for support”.

The condition of producing such a reasonable proof does not apply to all eligible widows and children and grand children (including widowed / divorced daughter).

Let us hope all Provincial governments also issue similar orders at the earliest


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UPDATE

COMMUNICATION RECEIVED FROM

MR. AMIR AGHA, TORONTO, CANADA

TO

M. Z. JEDDY, CALGARY CANADA

JUNE 10, 2016

………………………………………………………………………………….

Amir Agha

 
Fri 6/10/2016 3:28 AM

Sir Jeddy sahib

I am attaching a self explanatory article on the subject noted above.

It tells senior pensioners what process is to be followed by them (and ultimately by their eligible family member/s) for receiving pension under DSC.  Since a new formal application form for family members has been introduced from April 2016, I would suggest that all pensioner friends go through the article, and advise their eligible family accordingly.

………………………………………………………………………………………

Pension under Direct Credit System

1.1       Pension application Form 25 was lastrevised in July 1987 through Finance Division O.M. No. 28(18)-Reg.(6)/86, dated 30 July 1987.It has again been revised recently in April 2016.  Specimens of the 2 simplified forms [Form.25 and Form.25-A] have been circulated by Finance Divisionthrough O. M. No. F.12 (9)-Reg.6/2012-474 dated 2nd April 2016, to all ministries, divisions and departments “for adoption and further circulation”

 

1.2       Forms and Annexures attached with the said 2nd April 2016 O.M. are listed below.  Their pictures are given after para 1.7.

 

  • Simplified Pension Form No.25 (Revised 2016) – 2 pages;
  • Simplified Pension Form No.25-A (Revised 2016) – 2 pages;
  • Annexure A – 1 page;
  • Annexure B – 1 page and
  • Annexure C – 1 page.

 

1.3       The feature which distinguishes Form 25 from Form 25-A is the occasion for pension application.  Ifthe government servant himself / herself is going to apply for pension, Form 25 is to be used.  When a government servant dies (during service, or after retirement) Form 25-A is to be used for issuance of pension to the eligible family member.

 

1.4       Annexure A is to be attached with Form No.25.  It comprises certain declarations / undertakings by the government servant, as per Civil Service Regulations, and option for commutation of gross pension (currently upto 35%).

 

1.5.      Annexure B is to be attached with Form No.25-A.  It is to be filled in and signed by that family member (of the deceased government servant / pensioner) who is eligible to receive family pension as per rules.  The applicant has to give certain declarations / undertakings as per Civil Service Regulations, and to give details of all family members of the deceased government servant / pensioner.

 

1.6       Annexure C gives forms in which 2 certificates are to be given.  These are not to be attached with Form 25 or 25-A, but are to be given six-monthly by all pensioners who (instead of drawing pension on bill form) receive pension under Direct Credit System through transfer to their specific bank accounts.

 

  • First certificate, applicable to every pensioner, is of his / her being alive. This is to be given by all persons who receive pension.

 

  • Second certificate is obligatory upon only those unmarried / divorcee / widow female family members to whom pension would cease to be admissible in case of their getting married / re-married.

 

1.7       Attestation of Annexure C is acceptable from officers listed at bottom of the Annexure, i.e., Gazetted Government Servant / Commissioned MilitaryOfficer / Magistrate / Sub-Registrar, Pensioned Officer / Chairman Union Council / Member of the National or Provincial Assembly and Manager of bank.

……………………………………………………………………………

PLEASE ASK FOR FORMS SEPARATELY

……………………………………………………………………………

  1. Application for pension by retiring government servant.

 

2.1       All retiring government servants have to make a formal request to the Pension Sanctioning Authority (please see para 2.2 below)for pensionin form titled as “Annex-A”.  This form, when filled in and signed by the retiring government servant, will be verified by the said authority [or on its behalf by the Drawing and Disbursing Officer] and sent along with Form 25 to the concerned Accounts Office for further processing and issuance of Pension Order.

2.2       Pension sanctioning authority is generally that authority which is competent to make appointment as per Rule 6 of the Civil Servants’ (Appointment, Promotion and Transfer) Rules, 1973.  Appointing Authorities against posts in various payscales are as mentioned below:

Posts in Appointing Authority
1. Basic pay scales 20 and above or equivalent President
2. Basic pay scales 17 to 19 or equivalent Establishment Secretary
3. Basic pay scales 3 to 16 or equivalent Secretary of the Ministry /Division concerned or the Head of the Department provided he is an officer drawing pay in basic pay scale 20 or above and equivalent.
4. Basic pay scales 1 and 2 or equivalent Deputy Secretary or Head of the Department or Head of the Office.

 

2.3       This application in Annex-A is to be given by retiring government servant for grant of pension in either of the five types of retirement listed below.  Brief notes on all retirement types are given in paras 2.4 onwards.

 

  • Superannuation;
  • Retiring (voluntary);
  • Invalid;
  • Compensation;
  • Compulsory

 

2.4       Superannuation – Section 13 (1) (ii) of the Civil Servants Act 1973 provides that a civil servant shall retire from service on completion of sixtieth year of his age [unless the competent authority directs otherwise as per Section 13 (1) (i) – please see para 2.8].

 

2.5       Government servants may opt to retire after 25 years of qualifying service.  This is also known as Voluntary retirement.  For this purpose, the government servant has to give at least three months’ notice in advance.  Head of Department is responsible to ensure verification by concerned audit office of period of qualifying service.  If the qualifying service is found short of 25 years, the government servant will have to continue service till completing that period of service, and the Head of Department would point this out before the expiry of three months’ notice period.  Requests for allowing voluntary retirement on completion of 25 years’ service are to be addressed as under:

————————————————————————————————

Officers in           Authority competent to accept request for retirement

————————————————————————————————

BPS-21……………..Prime Minister. The summary after the approval by the Minister

and aboveconcerned is to be submitted through the Establishment Division.

 

BPS-17 to 20 …….Secretary of the Ministry/Division, which administratively controls

thecadre or department to which the post belongs.

 

BPS-16 ……………..Head of Department.

BPS-1 to 15 ……….Head of Department or Head of Office.

 

2.6       When a government servant is no longer capable of continuing official duties due to mental or physical disabilities, as certified by the Medical Board, he is entitled to retire and receive Invalid Pension.  Government servants dying during service are deemed to have retired on medical grounds from the date next following the date of death.

 

2.7       Compensation – When a post stands abolished, and the government servant appointed against that post does not opt to accept another appointment on an equal or lower pay, that government servant may opt to receive compensation pension for the service already rendered.A compensation pension may also be given for the servicealready rendered by a government servant who is replaced by a “qualified” person.

 

2.8       Compulsory retirement – Section 13 (1) (i) of the Civil Servants Act 1973 provides that a civil servant shall retire from service on such date after completion of 20 years of qualifying service as the competent authority may direct.  As per Section 13 (2), no such direction will be made unless the government servant has been (i) informed of the grounds on the basis of which it is proposed to make such direction, and (ii) given a reasonable opportunity of showing cause against such direction.   Retirement as a result of such direction is Compulsory retirement.  The authority competent to issue such direction is the same as appointing authority.

 

 

  1. Filling in Form Annexure A

 

3.1       Addressing the application – The application has to be addressed to the Pension Sanctioning Authority (please see para 2.2 above).

 

3.2       Various spaces in the main paragraph of Application Form have to be filled in by or on behalf of the applicant showing personal particulars of the applicant.  These comprise;

 

  • Name of applicant – as per Gazette Notification / Service Book / Computerized Payroll
  • Name of applicant’s father (husband in case of female applicants)
  • Designation / post last held before retiring
  • Basic Pay Scale of the said post
  • Date since which the post was held
  • Basis on which post was held – regular / officiating / acting charge / current charge
  • Computerized National Identity Card Number (photocopy to be attached)
  • Nationality of the applicant
  • Personnel Number of the applicant (as per computerized pay roll)
  • Mobile telephone number/s
  • E-mail address
  • Postal address
  • Date of retirement
  • Account number in which pension / gratuity is to be transferred
  • Full particulars of office from where pension is to be drawn, showing Account Number / Branch Name / Bank Name / Location of Bank / Post Office / Treasury Office.

 

3.3       Undertakings and Declarations – The applicant has to give as many as 7 declarations and undertakings in order to meet the conditions of relevant Civil Service Regulations and other requirements.

 

3.4       Since a civil servant is eligible to receive only one pension for any one spell of service, the applicant has to declare formally that he is not in receipt of any pension (for the service for which application is being made).  If the applicant has previously rendered any other service, and is in receipt of any pension for that previously rendered service, particulars of that pension have to be declared to show:

 

  • Pension Payment Order (PPO) Number
  • Date of issuance of that PPO
  • Amount of Pension
  • Department in which previously served for which pension is being received; and
  • Date on which retired from that Department

 

3.5       A retiring government servant is required to clear all government dues (loan, advances, rent and other charges) at the time of retirement.  Any dues outstanding at retirement time are recovered from the amount of pension / gratuity / commutation value of the retiring government servant.  If any dues are not known to be recoverable at retirement time, and come to notice after retirement, the retiring government servant gives undertaking as per Article 351 (B) of CSR that those dues may be recovered from the pension.  However, this undertaking is valid in respect of government dues coming to notice within one year of the date of PPO.  If such recoverable dues are found out after one year of the PPO date, the same would not be recoverable from pension.

 

3.6       Government servants are not allowed to take part in any election of public office or engage in any political activity.  Retiring government servants are also debarred from such activities for a period of two years after retirement.  The applicant is therefore required to give a specific declaration about not taking part in any election and / or political activity till two years after retirement.

 

3.7       Only one pension is admissible in respect of any one service.  The applicant has therefore to declare that for the service (for which the present pension application is being submitted):

 

(a) neither any application has previously been given;

(b) nor any pensionary benefit was previously received;

(c) nor any application will in future be made, without giving reference to the present

application and the orders thereon.

 

3.8       The applicant has to give another undertaking that if the pension received is later found to be more than the title of the applicant, the excess amount will be refunded.

 

3.9       The applicant has to further declare that no pension or gratuity was received in respect of any portion of the service in respect of which the present application is being given.

 

3.10     The applicant has to give option about the extent to which gross pension may be commuted.  Maximum limit up to which gross pension could be commuted was 50% up to 30 Nov 2001.  It was reduced to 40% from 1 Dec 2001; and reduced again to 35% from 1 July 2005.

 

3.11     The application has to be verified by Pension Sanctioning Authority or on behalf of that Authority by the Drawing and Disbursing Officer of the respective ministry / division / department / office.

 

3.12     After commencement of pension, every pensioner has to provide a life certificate by 10th March and 10th September every year to the bank from which pension is received under Direct Credit System.

 

 

  1. Filling in Form 25 (Revised 2016)

 

4.1       Once Annexure A is completely filled in by the applicant, the Pension Sanctioning Authority is responsible to ensure that it is forwarded along with Form 25 at the earliest to the concerned Accounts office.

 

4.2       Date of retirement of the retiring government servant is known in advance in many cases, e.g. in case of superannuation, or voluntary retirement.  In such cases, this Form 25 needs to be sent 90 days before the superannuation / retirement of the retiring government servant. In other cases when the date of retirement is not known in advance, e.g. in case of retirement on medical grounds, or death before retirement, the officer responsible for forwarding Form 25 to the respective Accounts office needs to do so without any delay as soon as all necessary documents are available.

 

4.3       Particulars of the retiring government servant to be given in the opening paragraph of Form 25 include:

 

  • Number and date of application by government servant for retirement;
  • Number and date of Notification for compensation pension or compulsory retirement; and the Authority issuing that notification;
  • Name of the retiring government servant and name of father / husband;
  • Designation of the retiring government servant;
  • Amount of emoluments reckonable towards pension;
  • Basic Payscale of the post last held, whether it was held on regular / officiating / acting charge or current charge basis and the date since which held;
  • CNIC Number of the retiring government servants;
  • Location at which last posted;
  • Date of retirement;
  • Period of Leave Pending Retirement availed / Amount of leave encashment in lieu of LPR.

 

4.4       Next, the amounts of pension / gratuity / other benefits, as calculated by the Pension Sanctioning Authority, have to be given against respective columns in following order:

 

  • Gross Pension
  • Commuted amount
  • Net Pension
  • Other benefits (e.g. Cash Medical Allowance, Special Additional Pension for Orderly and / or Driver
  • Amount of Gratuity in case pension is not admissible for the service rendered.

 

4.5       The Pension Sanctioning Authority has to sign the Form 25 at the bottom with official seal and name stamp, after certifying:

 

  • Dates of (a) birth, and (b) of first entry into government service; Gross length of service (from date of first entry to date of retirement); Extraordinary leave without pay during that gross length, and finally the net service qualifying for pension;
  • No inquiry is pending against the applicant;
  • No recovery (of government dues) is outstanding against the applicant;
  • Either (i) all advances drawn, if any, have been paid along with interest by the applicant, or (ii) specify the amount outstanding against the applicant on account of any advance (House Building, Motor Conveyance etc) to be recovered along with interest from the pension amount.
  • Specify the amount of Anticipatory Pension, if any, pending finalization of pension.
  • Cases, if any against the applicant, of disciplinary / criminal / other nature have been finalized. Payment of final pension comprising commutation value and monthly Net Pension, may be made after adjustment of Anticipatory Pension if any.
  • Service of the applicant has been satisfactory, and sanction is therefore accorded for payment of pension / commutation to applicant through relevant bank account.

OR

(7-a) Service of the applicant has not been satisfactory, and therefore sanction is accorded

for payment of pension / gratuity after its reduction by (a specified) percentage.

  • Payment of pension and / or gratuity may commence from the specified date.

 

4.6       Documents to be attached along with filled in Form 25 include:

 

  • Annexure A filled in and signed by the applicant, and 3 photographs, both attested;
  • Retirement notification / office order;
  • Last Pay Certificate;
  • Pension contribution receipt certificate if applicant remained in foreign service during the qualifying service;
  • Original Service Book and its attested copy for non-gazetted applicant, and Service Statement for gazetted applicant;
  • No Demand Certificate if the applicant was given government residential accommodation.

 

4.7       Original Form 25, duly signed by the Pension Sanctioning Authority, showing his name and designation stamp, and office seal, is to be forwarded to the Accountant General office concerned, with the request that:

 

  • Computerized Pension Payment Order in favour of the applicant be issued;

 

  • Its copy be forwarded to the originating office;

 

  • Original Service book of the non-gazetted applicant be returned after recording entry about issuance of PPO.

 

4.8       The Pension Sanctioning Authority is to simultaneously inform the applicant about Form 25 having been forwarded to the Accountant General office for issuance of PPO and transfer of pension to the applicant’s bank account as per details specified therein.

 

4.9       Important note at the bottom of Form 25 reminds the applicant that (as explained in para 3.12 above) after commencement of pension, every pensioner has to provide a life certificate six-monthly by 10th March and 10th September to the relevant bank branch.

 

 

  1. Filling in Annex-B: Application for Family Pension

 

5.1       The eligible family member (please see para 6.1) of deceased government servant / principal pensioner has to address the application to Pension Sanctioning Authority (please see para 2.2).

 

5.2       The applicant has to state his / her relationship with the deceased government servant / principal pensioner whose pension the applicant is now applying for.

 

5.3       The applicant has to give complete particulars (including names, relationship, CNIC Number, Date of Birth, and marital status)of all other family members of the deceased government servant / pensioner.

 

5.4       The applicant has to give details of account in which pension / gratuity is to be transferred, and full particulars of office from where pension is to be drawn, showing Account Number / Branch Name / Bank Name / Location of Bank / Post Office / Treasury Office. In case the pension is to be drawn under Direct Credit System through the applicant’s bank account, the prescribed form, along with relevant indemnity bond, has also to be furnished along with the application.

 

5.5       In case of death during service, the applicant family member has to declare that if any dues are found within one year of issuance of PPOto be recoverable from the deceased civil servant, those outstanding dues may be recovered from the applicant’s family pension.

 

5.6       Only one pension is admissible in respect of any one service.  The applicant has therefore to declare that for the particular service (in respect of which the present application is being submitted for the benefits of gratuity / pension / commutation),

 

(a) neither any application has previously been given;

(b) nor any pensionary benefit was previously received;

(c) nor any application will in future be made, without giving reference to the present

application and the orders thereon.

 

5.7       The applicant has to give the undertaking that if the pension received is later found to be in excess of that amount to which the applicant is entitled, the excess will be refunded.

 

5.8       The applicant has to further declare that no pension or gratuity was received in respect of any portion of the service in respect of which the present application is being given.

 

5.9       The applicant has to give option about the extent to which gross pension may be commuted.  Maximum limit up to which gross pension could be commuted was initially 50%.  It was reduced to 40% from 1 December 2001; and further to 35% from 1 July 2005.

 

5.10     This application has to be verified by Pension Sanctioning Authority or on behalf of that Authority by the Drawing and Disbursing Officer of the respective ministry / division / department / office.

 

5.11     After commencement of pension, every pensioner has to provide a life certificate (in form Annexure C – please see para 1.6) by 10th March and 10th September every year to the bank branch from where pension is to be received under Direct Credit System (please see chapter 7).

 

5.12     Where the applicant is a non-married / divorced / widowed female family member entitled to pension of her father / husband / mother on the condition of no change in her marital status, she has to give a six-monthly certificate by 10th March and 10th September to the bank branch (where she is maintaining pension account for receipt of pension under Direct Credit Scheme) that she has not married / re-married.  Such a certificate will also serve the purpose of evidence about her being alive on that date.

 

 

  1. Family members

6.1       Family is defined in Annexure to the Pension-cum-Gratuity Scheme 1954 as amended from time to time.  Latest amendment was made on 7 July 2015 to include ‘divorced daughter’ also in family of the principal pensioner.  List of family members, and their order of precedence to receive pension, are:

(i) widow/s (husband for female pensioners) and children of the deceased.  If their number does not exceed 4, pension is to be divided equally among them. If the number exceeds 4, then each surviving widow is entitled to receive 1/4th each, and the balance to be divided among eligible children.  Eligible children exclude sons over 21 years, married daughters.  If the deceased pensioner is a female, then her husband would be eligible for pension along with eligible children.

(ii) Failing (i) above, eldest surviving son (excluding that over 21);

(iii) Failing (i) and (ii) above, eldest surviving unmarried daughter, and in case of her marriage, to the next eldest unmarried daughter;

(iv) Failing (i) to (iii) above, eldest divorced daughter till re-marriage

(v) Failing (i) to (iv) above, eldest widowed daughter till re-marriage;

(vi) Failing (i) to (v) above, eldest widow of a deceased son till re-marriage;

(vii) Failing (i) to (vi) above, eldest surviving son below 21 years of deceased son;

(viii) Failing (i) to (vii) above, eldest unmarried daughter of a deceased son;

(ix) Failing all above, widowed daughter of a deceased son

Other relatives

6.2.      If the deceased pensioner leaves no family [as explained above] the gratuity and / or pension is payable to the relatives mentioned at (a) to (e) belowon production of reasonable proof that the person was dependent upon the deceased pensioner for support:

(i)   father;

(ii)  failing (i) to mother;

(iii) failing (i) and (ii), eldest surviving brother under 21;

(iv) failing (i) to (iii), eldest surviving unmarried sister till her marriage; and if she

marries or dies, to the next eldest unmarried sister, and so on.

(v)  failing (i) to (iv),eldest surviving widowed sister till remarriage.

 

Minimum Pension

6.3.      A minimum of Rs.300 Gross Pension was introduced from 1 July 1988.  Thereafter it was increased from time to time, the latest amendment having been made in 2015, raising minimum pension to Rs.6,000.  Family Pension, which remained 50% of principal pension up to 30 June 2010, was raised to 75% from 1 July 2010.  Table below shows the minimum principal pension for self (principal pensioner) and proportionate family pension from 1 July 2008 onward.

From First July
2008 2010 2011 2012 2013 2014 2015
Principal Pensioner Pen 2,000 3,000 3,600 4,320 5,000 5,500 6,000
Med 0 750 750 750 750 750 938
Total 2,000 3,750 4,350 5,070 5,750 6,250 6,938
Family Pen 1,000 2,250 2,700 3,240 3,750 4,125 4,500
Med 0 563 563 563 563 563 703
Total 1,000 2,813 3,263 3,803 4,313 4,688 5,203

 

 

  1. Direct Credit System

7.1       Pensioners generallypresent a formal pension bill, along with their pension book, at the specified branch of National Bank of Pakistan.  The bill includes a certificate about the pensioner being alive on the day when certificate is signed.  Pension amount is generally credited into the pensioner’s bank account from which withdrawals can be made through cheque.

7.2       Pensioners have since been given option to receive their monthly pension amounts regularly in their bank accounts (to be opened for this specific purpose in any commercial bank) without having to physically attend the bank or presenting pension bill.  Such transfers are made under Direct Credit System [DSC] following which Accounts office transfers pension amounts to all concerned banks, with direction to credit specified pension amounts to individual bank accounts of pensioners.  This process is facilitated through computerization of pension accounts and on line / electronic transfer of funds from government account to the pensioners’ individual accounts through various head / regional / local offices of banks.

7.3       In simple words, it may be said that National Bank branches previously used (i) first to pay pension as per PPO to the pensioners, and (ii) then charge the amount to government account.  Under Direct Credit System, funds are now transferred first by Accounts office to the various banks, and then those funds are passed on by concerned bank branches to the pensioners’ individual accounts as per computerized lists.

7.4       For disbursement of pension under DCS, both halves of the Pension Payment Order [the one with the bank, and the other (Pension Book) with pensioner] become redundant.  Hence, both those halves have to be surrendered, along with option for DCS to the Accounts Office by the pensioner and the bank.

7.5       In case of federal government employees retiring from 1 August 2014, the DCS has been mandatory.  Pensioners having retired earlier are also encouraged to adopt DCS.  Those desirous of getting pension under DCS are required to take action as explained below:

(a) Fill in the prescribed form titled “Indemnity Bond” in favour of manager of the bank branch from where pension is to be received under DCS.  In Pakistan it has to be given on stamp paper worth Rs.20.  Pensioners abroad may fill it on plain paper, and get it attested from Pakistan mission.  Name and other particulars of another person have also to be filled in as Co-Indemnifier / Nominee / Successor who would be the legal heir to the pensioner.  This bond has to be furnished to the concerned bank branch manager, as explained in (c) below.

(b) Next, the form titled “Option for Direct Credit of Pension through bank account” [Option Form] has to be filled in.  If SAP Personnel Number has not already been allotted, that space may be left blank and would be completed by Accounts Office.  If current bank account with National Bank is to be used for DCS also, particulars of that account may be filled in.  If pension is desired in another bank account, then the pensioner has to be open bank account (not a Joint Account) in that another bank branch.

(c) Bank Manager is to acknowledge receipt of Indemnity Bond from the pensioner, through his signatures with stamp and date on the Option Form.  Manager will further record on the Pension Book the period up to which pension was last paid.

(d) Option Form along with Pension Book has to be submitted by pensioner to the Accounts Office.

(e) Bank’s half of Pension Order has also to be returned in original by the bank to Accounts Office for which the Accounts Office may issue a formal letter to the bank.  However, surrender of Bank’s half without formal letter from Accounts Office can also serve the purpose.

(f)  Once the Option Form, and both halves of Pension Order have been received by Accounts Office, it would commence remittance of pension under DCS.  This process may take a couple of months, but first payment under DCS would include arrears from the date following next up to which pension payment was recorded.

(g) After commencement of pension under DCS, the pensioner has to give a life certificate to the Bank by every 10th March and 10 September.  Non-submission of this certificate may result in stoppage of further pension remittances, and / or refund of pension amount back to Accounts Office by the bank, as per Indemnity Bond.

(h) Female pensioners in receipt of pension of their father / mother / husband on the condition of non-marriage or non-remarriage, have to give another certificate by every 10th March and 10th September that they have not married / re-married.

(j) Please see paras 1.6 and 1.7 and picture of Annexure C for the form of certificates and the persons who are authorized to attest those declarations.

OPTION FORM FOR DIRECT CREDIT OF PENSION THROUGH BANK ACCOUNT

 

Pensioner Information (To be filled in by the Pensioner)

PPO No.
SAP Personnel No.
Accounts Office (From where PPO originally issued)
Name of Pensioner
 
Father/Husband Name
Family Pensioner Name
Spouse/Father/Mother Name
Pensioner NIC old#
Pensioner CNIC #
Family Pensioner CNIC#
Residential Address (Current)
Residential Address (Permanent)
Designation & Grade at the time of Retirement
Ministry/Division/Deptt./Office
Present Bank Address & Code No.
I hereby opt to draw pension through direct credit system and have also submitted *Indemnity Bond to the bank.

 

*The Pensioner shall produce an Indemnity Bond to keep the bank indemnified about liabilities with all sums of money whatsoever including mark-up of his/her Pension Account. The pensioner would further undertake that his/her legal heirs, successors, executors shall be liable to refund excess amount, if any, credited to his/her Pension Account either in full or in installments (as agreed mutually) equal to such excess amount__

 

Pensioner’s Signature/Thumb Impression

 

Dated

Account Verification (To be verified by the Bank)

Account Title (Name)
Account No.
Branch Name/Address
Branch Code
Indemnity Bond/Lien submitted by the Pensioner       YES

Signature/Stamp of Bank Manager

To be issued by Accounts Office

Acknowledgement Receipt No.___________     Signature of Officer__________

Date_____________

 

INDEMNITY BOND

To

The Manager,

____________________(Name of Bank)

____________________ (Branch)

____________________ (City)

 

In compliance with the SBP’s instructions for payment of pension through your Bank branch I agree to indemnify you and keep you indemnified about liabilities with all sums of money whatsoever including mark-up of my Pension Account. I further undertake that my legal heirs, successors, executors shall be liable to refund excess amount, if any, credited to my Pension Account either in full or in installments equal to such excess amount.

 

Co-Indemnifier/Nominee/Successor/ Signature______________________
Next of Kin:__________________________ Name of Pensioner______________
CNIC: ______________________________ Date of Retirement:______________
Address:_____________________________ PPO No:______________________
Signature: ___________________________ Bank Account No:_______________
CNIC:________________________
                    Witness –I                Witness-2
CNIC:______________________________ CNIC:________________________
Signature:___________________________  Signature:_____________________
Date:_______________________________  Date:_________________________

 

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