Pension ensures a life of dignity and ease for veterans. What is equally important is to be well versed with the list of dos and don’ts and the required information.
We at Salute got you a detailed set of instructions to help understand the requirements for pension disbursement by banks.
Requirement to be present in person before paying bank branch
The pensioner is no longer required to visit bank in person for credit of his pension. The undertaking with regard to recovery of overpayment from pensioner is forwarded to concerned bank CPPC through CPAO along with the PPO. Bank will not insist for the presence of pensioner in order to activate their pension account.
Requirement to submit Form-14
On death of a pensioner, the spouse is not required to submit Form-14, if he/she was having a joint account with the pensioner and authorisation for payment of family pension exists in the PPO in his/her favour. Only copy of death certificate will be submitted to disbursing bank and they will identify the family pensioners based on information furnished in PPO and its own KYC procedure without insisting him/her to physically present himself/herself in the paying bank.
Insisting spouse to open separate bank account
Bank will not insist for opening a new account when the spouse had a joint account with the pensioner and authorisation for payment of family pension exists in the PPO in his/her favour (RBI Circular dated 09 Sep 2019 refers).
Submission of declaration for taking up commercial employment after retirement
The declaration is required from pensioners who have retired from Group ‘A’ service/posts. This is required in the first year after retirement. For more details read Rule-10 of CCS pension Rule).
Submission of Re-employment certificate
A pensioner is required to furnish a re-employment declaration once in a year in month of November every year.
Submission of non-earning certificate
A family pensioner, other than spouse, has to submit a declaration of non-earning his/her livelihood every year in the month of November. As per rule 54(6)of CCS (Pension) Rule 1972, family pension is allowed to a son, daughter, disabled sibling or parents of a deceased pensioner or a deceased Govt servant until he/she starts earning his/her livelihood. If spouse is a recipient of family pension, no certificate of re-marriage is required to furnished by him/her.
At the time of commencement of family pension, an undertaking will be obtained from him/her to the effect that in the event of his/her re-marriage, will report the fact to the pension disbursing bank promptly. However, childless widow of deceased Govt servant and disabled child of a pensioner/Govt servant will continue to get family pension if they get married/re-married.
Submission of Life certificate
It is to be submitted by every pensioner/family pensioners in the month of November every year. Pension disbursing bank will also accept Aadhar enabled Digital Life certificate “Jeevan Pramaan”.
Submission of Disability Certificate
If family pension has been sanctioned to a disabled child and the disability is temporary, the guardian of such disabled child shall produce disability certificate once every five year to the effect that he/she continues to suffer from such disorder/disability in order to continue family pension. No fresh certificate of disability would be required in case of a child with permanent disability.
Obtaining of Life Certificate from the door-step of the pensioners
The Department has issued directions to all the Pension Disbursing Banks to send SMSs/E-mails to all their pensioners on 24 October, 1 November, 15 November and 25 November every year, reminding them to submit their Annual Life Certificate by 30 November. The Deptt directed all pensioner Disbursing Banks to make an exception list on 1st December every year of those pensioners who fail to submit their Life Certificate and issue another SMS/E-mail to them for submitting Life Certificate.
The bank in addition will also ask them through SMS/E-mails as to whether they are interested in submission of Life Certificate through a chargeable door-step service, on a nominal charge not exceeding Rs 60/- (D/O Pension & Pensioners welfare’s Cir No.12/4/2020-P & PW (c)- 6300 dated 17 Jan 2020 refers).
Note: All banks have been advised to comply with the above instructions and to give wide publicity by putting up these instructions