Important Tips

Keep note of your PPO No and always give your particulars like Rank, Group, Qualifying Service and date of birth in case of any query. Always keep your pension account jointly with your Spouse. All family pensioners must give nomination to their pension accounts and update your pass book entries regularly.

Collect Pension slip from bank every month and keep it safe. Do not forget to give Life Certificate to your bank in November every year.

Link your Aadhaar number and PAN number with your pension account. Name of your spouse in the PPO and in the bank account must be same. If you and your spouses date of birth are not with your bank, please submit your school certificate, Aadhaar card, PAN Card or voter ID to the bank for recording your date of birth.

All Pre 1.4.1985 pensioners must make sure that their spouses name is there for family pension. If not, apply for endorsement of family pension immediately through ZSB to your Records office. Pensioners who do not have pension book or PPO copy, please apply to bank and get a copy

General Information

If a pensioner dies before the age of 67, his spouse should get the same pension as her husband. From the date of death till the deceased attains age of 67 or for 7 years whichever falls early.

The pensioners who complete 80 years of age are eligible to get 20% increase in their basic pension as additional pension. If you are not getting, you have to apply to the bank with the proof of date of birth. Additional pension is payable after 80 years on both the pensions, if any one drawing two pensions.

EPF Pension in addition to Defence Pension, Family pension allowed w.e.f. 27.07.2001

ESM can draw two pensions separately without any ceiling w.e.f. 01.01.1996.

DR. for re-employed ex-servicemen with some conditions w.e.f. 18.07.1997. DR. is admissible to employed family pensioners without any condition w.e.f. 18.07.1997.

Minimum Ordinary Family Pension as per 7th CPC is Rs.9,000+ DR w.e.f. 01.01.2016 and minimum Special Family Pension as per 7th CPC is Rs. 17,990 w.e.f. 01.01.2016.

Compensation for Delayed Payment of Pension/Arrears to be paid w.e.f. 01.10.2008 and improvement in pension for ORs & JCOs as per CDA Circular 430 w.e.f. 01.07.2009.

Additional pension is applicable for WIP/Disability Pension/Lib.FP & SFP.

Joint notification of family pension was introduced from 01.03.1985. Those who do not have joint notification for family pension, have to apply immediately.

Dual family pension is payable from 24.9.2012 as per CDA Cir.504 dt.17.01.2013. The families of ESM who were drawing two pensions and died before 24.9.2012 were denied dual family pension at that time. As per CDA Cir.504, they are eligible for two family pensions.

W.E.F. 01.07.2009 the concept of broad banding of percentage of disability/war injury shall be extended to Armed Forces Pensioners who were invalided out of service prior to 01.01.1996 and are in receipt of disability/war injury pension as on 01.07.2009. Broad banding for all pensioners is applicable wef 01.01.2016 (Circular 596)

The cap on maximum WIP i.e. not to exceed emoluments last drawn has been removed w,e,f, 01.07.2009. Liberalised family pension came into existence from 01.02.1972.

Action Points

If you are having disabled children, unmarried daughters, widowed daughters, you must apply for Part II order (POR) for pension benefits on later dates. Apply for financial assistance for disabled children from KSB if you are not getting from anywhere.

Your full date of birth must be recorded in your Aadhaar Card. Your mobile number also to be linked to your Aadhaar card. Visit Aadhaar permanent enrolment centre for any change. Now a day banks are also entrusted to be Aadhaar enrolment centre.

If you are having 32 KB individual white card, you can use up to Dec 2020. You have to change old 16Kb (Red colour combined card) before Sep 2018.

If you are having Temporary ECHS slip, you have to apply for New Card. If you have lost your ECHS card, you have to apply on line for new card.War disabled pensioners & widows are exempted from paying ECHS contribution.

If you are a member of ECHS make sure that you are not paid Fixed Medical Allowance. If you are paid, write a letter to the bank to stop it, otherwise your ECHS Card will be suspended.

No Comments Yet

Leave a Reply

Your email address will not be published.

This site uses Akismet to reduce spam. Learn how your comment data is processed.

How can we help?

Sign Up for Our Mailing List

Sign up for our newsletter to stay updated with the most comprehensive analyses of all military affairs from the best minds. We promise to not share your data with third-party vendors.