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Provision for extending benefits under CCS (Pension) Rules or CCS (EOP) Rules to employees covered under National Pension System (NPS)-reg.

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Family of missing Central Government employees covered under National Pension System (NPS) – Provision for extending benefits under CCS (Pension) Rules or CCS (EOP) Rules by DoPP&W OM dated 28.04.2022

No. 57/03/2020-P&P W (B)
Government of India
Ministry of Personnel, Public Grievances and Pension
Department of Pension and Pensioners’ Welfare

Lok Nayak Bhavan, Khan Market
New Delhi, Dated the 28th April, 2022

OFFICE MEMORANDUM

Subject:- Provision for extending benefits under CCS (Pension) Rules or CCS (EOP) Rules to family of missing Central Government employees covered under National Pension System (NPS)-reg.

The undersigned is directed to say that the New Pension Scheme (now called as National Pension System) (NPS) was introduced vide Ministry of Finance, Department of Economic Affairs’ notification No. 5/7/2003-ECB&PR dated 22.12.2003. It was provided that NPS would be mandatory for all new recruits to the Central Government service from 1st of January 2004 except the Armed Forces. Simultaneously, the Central Civil Services (Pension) Rules, 1972 and the Central Civil Services (Extraordinary Pension) Rules were amended to provide that those rules would be applicable to the Government servants appointed on or before 31.12.2003.

2. However, considering the hardship being faced by the Government servants appointed on or after 01.01.2004, benefits of CCS (Pension) Rules, 1972 or CCS(Extraordinary Pension) Rules, as the case may be, were extended on provisional basis, in the event of death of Government servant covered by NPS or his discharge from service on invalidation / disablement, vide this Department’s OM  No. 38/41/06/P&PW(A) dated 05.05.2009.

3. Further, the Central Civil Services (Implementation of National Pension System) Rules, 2021 have been notified on 31.03.2021 inter-alia providing Government servants covered under these rules for exercise of options during their service for availing benefits of CCS (Pension) Rules, 1972 or CCS(Extraordinary Pension) Rules, as the case may be, or benefits from their Accumulated Pension Corpus under National Pension System, in the event of death of the Government servant covered under NPS or his discharge from service on account of invalidation or disablement.

4. If a Government servant covered by the CCS (Pension) Rules, 1972 goes missing, the benefits of arrears of salary, family pension, retirement gratuity, leave encashment, etc. are paid to the families of the missing employees in accordance with the instructions issued vide this Department’s OM No. 1/17/2011-P&PW(E) dated 25.06.2013. References have been received from Ministries / Departments for extending the provisions of the OM dated 25.06.2013 to Government servants covered under NPS, who go missing during service and whose whereabouts arc not known.

5. The matter has been examined in consultation with Department of Personnel and Training, Department of Financial Services and Department of Expenditure. Considering the hardship faced by the family of such Government servants, it has been decided to extend the benefits of this Department’s OM No. 1/17/2011-P&PW(E:) dated 25.06.2013 to the families of Government servants covered by NPS who go missing during service. Accordingly, in all cases where a Government servant covered by NPS goes missing during service, the benefits of family pension may be paid to the family if the missing Government servant had exercised option for benefits under CCS (Pension) Rules on death or discharge from service on disability/invalidation or the benefits under CCS (Pension) Rules is the default option under the Central Civil Services (Implementation of National Pension System) Rules, 2021. The benefit of arrears of salary, retirement gratuity and leave cncashment shall be paid to the family in all cases where a Government employee covered under NPS goes missing during service, irrespective whether the employee had exercised option for benefits under CCS (Pension) Rules or under the Pension Fund Regulatory and Development Authority (Exits and Withdrawals under National Pension System) Regulations, 2015. Payment of the benefits to the family of the missing Government servant would, however, be subject to the conditions and procedural requirements, as mentioned in this Department’s OM dated 25.06.2013.

6. In the case of a Government servant covered under NPS goes missing during service and his family is given family pension under CCS(Pension) Rules or CCS(EOP) Rules, the Permanent Retirement Account under National Pension System would remain suspended till the Government servant re-appears or till he is declared dead in accordance with the law. In the event of re-appearance of Government servant, the NPS account would be re-activated and the same account under NPS will become operative. Recoveries of payments made to the family of missing NPS employee would be made from the indemner as provided under this Department’s OM dated 25.06.2013. However, in the event of Government servant being declared dead at any time or after seven years, Government contribution and returns thereon from the accumulated pension corpus under NPS would be transferred to the Government account and remaining corpus comprising of employees’ contribution and returns thereon would be paid to the nominee or legal heir as the case may be in accordance with CCS(Implementation of NPS) Rules, 2021 and family will keep getting benefits as per CCS (Pension) Rules or CCS(EOP) Rules, as the case may be.

7. The claim by the Government servant or the family for getting benefits under CCS (Pension) Rules, or CCS(EOP) Rules, as the case may be, would be submitted in the same manner as prescribed under the relevant rules and DoPPW OM dated 25.06.2013. The process for grant of benefits under CCS(Pension) Rules, or CCS(EOP) Rules would be initiated in accordance with the option exercised by the Government servant or default option prescribed under CCS (Implementation of NPS) Rules, 2021. Necessary action for freezing of account under NPS would be started simultaneously and the process of grant of benefits under CCS(Pension) Rules or CCS(EOP ) Rules, as the case may be, should not be deferred till the process of freezing of account under NPS is completed.

8. These orders shall take effect from 01.01.2004. Interest on delayed payment of retirement gratuity, as provided under the CCS(Pension) Rules, would be paid at the rates and manner applicable for Public Provident Funds deposits from time to time. However, no interest would be paid for any amount due before issue of these instructions.

9. In all those cases where on re-appearing of Government servant whose whereabouts were not known, and where benefits under DoPPW OM dated 25.06.2013 have been paid, the quantum of family pension awarded exceeds the recoverable emoluments, the matter needs to be settled in consultation with Department of Pension and Pensioners’ Welfare and Department of Expenditure.

10 All Ministries / Departments are requested to bring the contents of these orders to the notice of Controller of Accounts / Pay and Accounts Officers and Attached / Subordinate Offices under them.

11. This issues in consultation with of Ministry of Finance, Deptt. of Expenditure vide ID Note No. 1(11)/EV/2021 dated 29.03.2022 and in consultation with Controller General of Accounts vide their I.D. Note No. TA-3-104/5/2019-TA-III/CS-557/235 dated 15.03.2021.

12. In so far as the persons serving in the Indian Audit and Accounts Department are concerned, these orders are issued in consultation with Comptroller and Auditor General of India, as mandated under Article 148(5) of the Constitution of India.

13. Hindi version will follow.

(S. Chakrabarti)
Under Secretary to the Government of India

Missing-employees-covered-under-NPS-Rules-DoPPW-OM-28-04-2022

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NPS

NPS के तहत केंद्रीय कर्मचारियों को न्यूनतम पेंशन देने की खबर को लेकर वित्त मंत्रालय ने दिया ये जवाब

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केंद्र सरकार ने नेशनल पेंशन स्कीम (NPS) के बढ़ते विरोध और ओल्ड पेंशन स्कीम (OPS) को फिर से बहाल करने की मांग के मद्देनजर एक कमिटी का गठन किया है, जो एनपीएस को आकर्षक बनाने पर विचार कर रही है.  

पिछले दिनों मीडिया रिपोर्ट्स में एक खबर सामने आई कि सरकार केंद्रीय कर्मचारियों को (Government Employees) को न्यू पेंशन स्कीम (New Pension Scheme) यानी एनपीएस (NPS) के तहत एक न्यूनतम पेंशन देने जा रही है. जिसके बाद सरकारी कर्मचारियों के बीच इस खबर को लेकर उत्सुकता बढ़ गई. हालांकि, अब मंत्रालय ने इस खबर का खंडन किया है. इसको लेकर वित्त मंत्रालय ने एक ट्वीट किया है. जिसमें मंत्रालय ने कहा कि कई न्यूज पेपर में ये खबरें छपी हैं कि सरकार नेशनल पेंशन सिस्टम (National Pension System) के तहत केंद्रीय कर्मचारियों को न्यूनतम पेंशन (Minimum Pension) देने का प्रस्ताव ला सकती है. ये खबर पूरी तरह गलत है. 

इसके आगे वित्त मंत्रालय ने बताया कि ने बताया कि एनपीएस को लेकर बजट सत्र (Budget Session 2023) के दौरान लोकसभा में वित्त मंत्री (Finance Ministry) के ऐलान के बाद वित्त सचिव की अध्यक्षता में एक कमिटी गठित की गई है, जो फिलहाल विचार-विमर्श कर रही है. यह कमिटी लगातार अलग-अलग स्टेकहोल्डर्स के साथ बातचीत कर रही है. वित्त मंत्रालय के अनुसार, फिलहाल कमिटी किसी भी निष्कर्ष पर नहीं पहुंची है. 

ओल्ड पेंशन स्कीम (OPS) को लागू करने की मांग तेज

आपको बता दें कि न्यू पेंशन स्कीम को लेकर कई राज्यों के सरकारी कर्मचारी लंबे समय से विरोध कर रहे हैं. इसके साथ ही  केंद्रीय कर्मचारी पिछले काफी समय से पुरानी पेंशन योजना यानी ओल्ड पेंशन स्कीम (Old Pension Scheme) को फिर से लागू करने की मांग कर रहे हैं. उनका मानना है कि नई पेंशन स्कीम में पुरानी पेंशन स्कीम की अपेक्षा कम सुविधाएं एवं लाभ मिलते हैं. 

सरकार NPS को आकर्षक बनाने पर कर रही है विचार

केंद्र सरकार ने नेशनल पेंशन स्कीम के बढ़ते विरोध और ओल्ड पेंशन स्कीम को फिर से बहाल करने की मांग के मद्देनजर एक कमिटी का गठन किया है, जो एनपीएस को आकर्षक बनाने पर विचार कर रही है.  

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Government Employees

नई पेंशन के लिए आंध्र प्रदेश के माडल पर लग सकती है मुहर, मोदी सरकार जल्द करेगी एलान

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पेंशन के लिए आंध्र प्रदेश के माडल पर लग सकती है मुहर

एनपीएस के स्वरूप में बदलाव को लेकर वित्त मंत्रालय में पहले से विचार-विमर्श चल रहा है। खासकर ल आंध्र प्रदेश सरकार की तरफ से स पेंशन के नए माडल की पेशकश ल के बाद यह चर्चा और तेज हो गई को है। आंध्र माडल के लागू होने से कर्मचारियों को आखिरी वेतन का 33 प्रतिशत पेंशन के रूप में देने का प्रस्ताव है, जबकि अभी एनपीएस के तहत कर्मचारियों को यह पता नहीं होता है कि रिटायर होने के बाद उसे कितनी पेंशन मिलेगी। इसकी वजह यह है कि पेंशन फंड का प्रबंधन करने वाला पीएफआरडीए उनके योगदान वाली राशि को मार्केट में लगाता है और यह मार्केट लिंक्ड है ।

वित्त मंत्रालय के एक वरिष्ठ अधिकारी से आंध्र माडल पर विचार को लेकर पूछे जाने पर उन्होंने कहा कि सरकार में सबकुछ के लिए दरवाजा खुला है। मंत्रालय को आंध्र प्रदेश सरकार का पेंशन माडल मिला है और मंत्रालय उस पर विचार कर रहा है। वित्त मंत्रालय

विचार-विमर्श

• आंध्र प्रदेश सरकार ने आखिरी वेतन का 33 प्रतिशत पेंशन के रूप में देने की है पेशकश

पुरानी प्रणाली में कर्मचारी को आखिरी वेतन का 50 प्रतिशत पेंशन के तौर पर मिलता है

के सूत्रों के मुताबिक इस माडल की खास बात यह है कि इसको अपनाने से सरकार पर पूरी तरह भार नहीं आएगा, क्योंकि इसमें भी कर्मचारियों की तरफ से योगदान लेने का प्रस्ताव है। जबकि ओल्ड पेंशन स्कीम (ओपीएस) पूरा भार सरकार को उठाना पड़ता है। ओल्ड पेंशन स्कीम के तहत आखिरी वेतन का 50 प्रतिशत पेंशन के तौर पर मिलता है। और इस पेंशन प्रणाली में कर्मचारी किसी तरह का योगदान भी नहीं देता है। यह पूरी तरह से करदाता के पैसे से दी जाती है और महंगाई भत्ता बढ़ने पर उनकी पेंशन भी बढ़ती जाती है। अभी देश में ओपीएस के तहत 70 लाख से अधिक पेंशनभोगी है। MAGZTE

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Government Employees

GOVERMENT THINKING TO BRING MINIMUM GUARANTEED PENSION IN NEW PENSION SYSTEM – FINANCIAL EXPRESS NEWS PAPER REPORTS

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With demand growing for the old pension system (OPS) with assured benefits, the Centre and some state governments are exploring ways to salvage pension reforms, by treading a middle path between the fiscally-expensive OPS and the reform-oriented National Pension System (NPS).

One option being considered is to offer guaranteed pension to government staff at around 50% of the last pay drawn under the NPS by tweaking the existing scheme without burdening the exchequer too much. While OPS is based on the concept of defined benefits, the principle that underlie NPS is defined contribution.

Currently, under the NPS, also called new pension scheme, 60% of the accumulated corpus from contributions during a person’s working years is allowed to be withdrawn at the time of retirement. Such withdrawal is also tax-free. The balance 40% is invested in annuities, which according to an estimate, could provide a pension equivalent of about 35% of the last pay drawn. However, it is not a guaranteed pension as returns are linked to markets.

Officials reckon that the NPS could be revised in such a way that at the time of retirement, an employee gets back her contribution of roughly 41.7% (built from a contribution of 10% of pay) as a lump sum amount.

“An analysis showed that if the balance 58.3% corpus built from the central/state government contribution (14%) is annuatised, the pension in NPS could be around 50% of last drawn salary,” an official aware of the deliberations in the government said. If actual returns work out to be less than the guaranteed amount, the gap could be bridged by the government concerned by contributing a little more to NPS, the official added.

The only problem with this model is unlike in OPS, which revises pension upward periodically to adjust for inflation and increments due to future Pay Commission awards, it would be a tricky job under NPS as the corpus for pension would remain constant, post-retirement.

Officials, however, said there are ways to address this issue too. Instead of investing the pension corpus in low-yield annuities, the funds could generate a higher return (currently annuities generate around 5-6% while NPS returns are close to 10%) by keeping the corpus in the NPS system under a scheme to be able to meet the aspiration of periodic revision in pensions.

While a possible hike in salary in the Eighth Pay Commission is factored in to generate 50% of the last pay drawn, NPS could still face issues if people retire in large numbers just after another Pay Commission award is implemented. That would mean without contributing much, they would be entitled to a very high pension based on revised pay.

Officials say this could be addressed by the government by contributing a little more, say 16% rather than 14% or periodically contributing a little more to the pension corpus based on actuarial analysis. Secondly, as people retire from the NPS system from 2036 and some these die in natural course, their pension capital amount would return to the government. This would augment the government’s resources to fund pension without relying too much on the budget in future.

Officials said a lot of work in revamping NPS has to be done in consultation with employees to work out an implementable scheme to address issues such as pension at the reduced rate to the spouse after the death of pensioners like in OPS (spouse gets half of the sum paid to pensioner).

Since FY20, the central government staff has been eligible for a deduction of 24% of salary (employees’ contribution of 10% and employers’ share of 14%) for NPS contributions and as many as 15 state governments have subsequently enhanced employers’ share to NPS to 14%.

In the government-backed Atal Pension Yojana that guarantees a minimum monthly pension of `1,000-5,000 to the lower-income group subscribers based on their contributions, the actuarial estimates found a corpus gap of `5,000-6,000 crore, which the Centre is bridging from Budget with a provision of `800 crore in FY23 to start with.

Fixed overheads in the form of establishment expenditure (largely towards salaries, wages and bonuses and pensions) account for more than 50% combined revenue expenditure of states. This pressure would continue on resources-starved states for another two decades till OPS-pensioners reduce.

The Pension Fund Regulatory and Development Authority (PFRDA) has rejected the demand of Rajasthan, Chhattisgarh and Jharkhand for custody of the accumulated corpus under the NPS after they announced to return to OPS in 2022, saying the law did not permit such withdrawals. These states have stopped fresh contributions to NPS.

However, even the states such as Punjab which have announced return to OPS will not find it easy due to their messy finances. West Bengal, even though it did not join NPS to make staff happy, it also did not implement 7th Pay Commission award to keep salary and pension bills in check. Its staff still get paid as per Sixth Pay Commission award without much annual increase in dearness allowance whereas most other states have implemented 7th pay panel award and their staff get a higher salary and could get a higher pension under NPS as well than West Bengal, analysts said.

While ruling out reversing the pension reforms and going back to the fiscally-disastrous unfunded OPS, which entails 50% of the last pay drawn as pension from the budget to the pre-2004 staff, the political executive is conscious of the increasing resonance of demand for OPS amid a spate of state/general elections in 2023-2024.

SOURCE:- FINANCIAL EXPRESS

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