- Please check if your PPO contains an endorsement giving the name and age of the spouse and details of ordinary family pension. If it does not, at the earliest make out an application in triplicate and send it to the agency that had issued the PPO – PCDA (Pensions) Allahabad/PCDA (N) through PDPA/ CABS. Make sure to attach all supporting documents and duly attested joint photograph as indicated in the specimen. Keep a copy the application in the master folder that you will be making for the spouse for follow up action if necessary in case the endorsement is not received during your life time.
- The PPO may contain endorsement of the name of the spouse as family pensioner but the age of spouse may not be recorded either in the PPO or in any other document in your pension folder maintained by your Pension Disbursing Agency (PDA) (your bank or the agency from whom you receive your pension). In such a case, you may apply for necessary action to the DESA with copies of proof of age of your spouse. Furnish any supporting document such as a copy of the statement of family particulars submitted by you at the time of your retirement or certified and notarized copy of your spouse’s birth Certificate, driving license, SSLC/Matriculation certificate, passport, voter identity card or any other
- When the endorsement and the acceptance of age of spouse are received, attach them to the original PPO and also make a few copies for safe custody. If the endorsement and the record of age of spouse do not exist and if you do not take action as indicated above, after your time your spouse has to go through a cumbersome and time consuming procedure to get the family pension properly authorized along with record of age- so do not delay.
Bank Account for Pension
- If you are drawing your pension through a single bank account in your name and if, at the time of your retirement or within one year thereafter, you have not made a nomination in favour of your spouse, please do so immediately. This will enable your spouse to receive, after your time, any balance left in that account as well as any arrears of pension due to you during your life time. Consult your bank on the procedure for nomination.
- It is now permissible to convert your single bank account for pension into a joint account with your spouse/person mentioned in your PPO as the one entitled to receive family pension. If you have not already done so, please submit an application to your bank to this effect. After your time the joint account will become a single account in your spouse’s name into which the family pension and any life time arrears (LTA) can be credited. It is desirable to make a nomination as indicated in Para 4 above even if the pension account has been converted into a joint account so as to ensure trouble-free payment of your (LTA) to the spouse/nominee after your time.
- If you do not wish to take action as per 4 above, open a joint account in the name of yourself and your spouse, preferably in the same bank, if you have not already done so. This will automatically become a single account after your life time and the family pension can be credited to this account. Alternatively, open a single account in the same bank in the name of your spouse so that, when the time comes, on advice to the bank, the family pension can be credited to this account. Also ensure that your spouse makes a nomination in favour of a child/ family member or any other person of her/his choice for this single account so that when the need arises, the nominee can get the amount left in that account without any further formality.
- Make sure that the nominations/ conversions into joint account as applicable as per paras 3, 4 and/or 5 above are duly reflected in the bank records and also keep the relevant copies of such endorsements in the master folder for your spouse.
- Ex-Servicemen Contributory Health Scheme (ECHS) came into effect on 01 Apr 03 as a public funded Government Health Scheme for provision of medical care to Ex-Servicemen (ESM) in receipt of pension or disability pension and their dependants including spouses (wife/ husband), legitimate children and wholly dependant parents. If you have not already done so, you may consider enrolling yourself as a member. Please contact the nearest ECHS Policlinic for detailed information and assistance in enrolling.
- It’s a usual practice to put a name (i.e., in the first place if you have mentioned it) and royally forget about it. Most of us have named one of our parents as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after they are no longer there with us. Even your salary account usually has no nomination.
- We have passwords for practically everything. Email accounts, Bank accounts; even for the laptop you use. What happens when your next of kin cannot access any of these simply because they do not know your password? Put it down on a paper.
- Every year, for tax purposes, we do investments. Do we maintain a excel sheet about it. If so, is it on the same laptop of which the password is not shared? Where are those physical investments hard copies? Put all documents in a file systematically.
- When you take a loan say for your house or car, check out on all the what ifs…. .what if I am not there tomorrow? what if I lose my job? Will the EMI still be within my range? If not, get an insurance on the loan. The people left behind will not have to worry on something as basic as their own house.
- Open a sufficiently big and thick folder and title it as
- It is always advisable to execute a will. No particular form is prescribed by law. It can be handwritten or typed on thick paper with each page signed by the testator and the attesting witnesses. Registration of the will is optional. The only legal requirements are: – the testator should be of sound and disposing mind at the time of executing the will, the testator has signed in the presence of two attesting witnesses each of whom will also sign in the presence of the testator and an endorsement to this effect is necessarily made before the signature of the testator after which the attesting witnesses should affix their signatures along with their addresses. However legal advice may be taken to prepare the will to suit
- Place the following in separate envelopes with the details of the contents written on the envelopes and place the envelopes in the master folder.
- The letter of intimation mentioned in para 13 above mainly relates to service requirements, formalities, pension and benefits. Several other agencies, (eg associations, clubs, time share companies, credit card agencies etc), besides service ones, with whom you have dealings, will have to be informed and have to take appropriate action when the time comes. You may prepare letters and addressed envelopes as suggested in para 13 above to cover such cases also.
- A doctor has to confirm and certify the death. If it takes place or is confirmed in a hospital, clinic or nursing home, get the certificate from the doctor attending or in charge. If at home, get a doctor to visit, confirm death and certify. The certificate is required to be taken and presented at the funeral place as without it the body will not be allowed to be cremated/ buried. If possible, get this certificate in duplicate so that one copy is available for reference if required later.
- Inform close relatives and friends on telephone.
- Decide on the timing and venue of funeral.
- Present the original of the certificate mentioned in para 1 above at the funeral place. After cremation/burial has been performed, obtain a receipt to that effect from the person in charge at the funeral place. This is required to be produced when applying for the death certificate from the municipal authorities.
- Make a few (3 or 4) copies of the receipt mentioned in para 4 above for reference if required later.
- As soon as possible after the initial formalities are over make out an application in the prescribed form if any (to be obtained from the concerned office). Enclose the application, along with the original of the receipt from the funeral place, in an envelope addressed to the Registrar of Births and Deaths, hand it over to the concerned office and obtain a receipt. In case it is not possible to hand over the envelope to the office, send it by registered post, acknowledgement due. Ask for at least ten original signed copies of the death certificate. Please note that some recognized hospitals certifying the death as per para 1 above are also
- As soon as possible after collecting the necessary documents such as the death certificate, take out the master folder marked ‘Action to be Taken Immediately on the Death of ______’. Take out from the folder the envelopes serially numbered 1 to— with addresses already typed / written on them. Date the letter of intimation in each envelope, fill in the blanks as indicated below and sign the letter.
- Prepare each envelope for dispatch by enclosing the documents as mentioned against the addressee in the distribution list of the letter. If feasible, hand over the envelopes to the bank and the Dept of Sainik Welfare and obtain an endorsement of receipt in the master copy. Alternatively send them as well as the letters to AFGIS and CDA by registered post acknowledgement due. The rest of the letters may be sent by ordinary post under certificate of posting.
- It may take about 30 to 45 days for the addressees to take necessary action. If after 45 days the required action is not taken by any of the addressees, you may send a reminder with a copy to the Association Branch with a request for assistance to expedite action.
- Keep a copy of any letter sent to these or any other addressees for future reference.
- The action indicated in the specimen mainly relates to service related requirements. You may like to make the instruction sheet more comprehensive by adding details of your investments and their disposal, your specific wishes on religious rites, disposal/donation of eyes etc, changes in the action list in the event of the spouse predeceasing you and any other instruction that you consider appropriate. Place this instruction sheet on top of all other contents of the master folder and keep the folder, suitably covered, in a safe place. In case you wish to donate your eyes or other body parts, this should be mentioned in bold letters right on top in the instruction sheet.
- Explain to your spouse and other family members the purpose of the
- Check if your pension account is joint?
- Ensure spouses and your date of birth is entered correctly in the account details.
- Complete FORM B afresh and submit to the bank.
- Keep details of your PPO number carefully and let your spouse know about it.Write it on the passbook.
- Become a member of ECHS it is to your advantage in a serious illness.
- Check if you are getting correct Pension/Family pension.
- The bank is bound to give you a pension slip every month please demand it and ensure bank gives you.
- JCO and below please check if you are getting increased pension from 01/07/2009.This increase is not for Widows.
- If you are getting disability pension then ensure you have given the form to the bank for increase in pension. Old disability upto 49% is now 50% old 50 to 75 % is now 75% and beyond that it is 100% .The pension is also applicable to those who served with the disability and not invalidated.
- Keep all your accounts and financial documents in joint name
- Do not handover the original PPO and other documents to anyone .Please give only xerox copies.
- Make your will and keep it safe with someone you trust. Keep your spouse informed. Amend it as and when required. A will does not need to be registered and should be signed by any two individuals who have no interest in the will.
- Demand Annexure IV from your bank. They are duty bound to give it to you.
- Every year in Nov ensure Life Certificate is given to the bank.This need not be signed by the branch manager of the Bank paying pension but any of the following :
- A serving or pensioned person exercising the powers of a Magistrate under
- A registrar or sub-registrar appointed under the Indian Registration Act 1908 (XVI of 1908).
- A Gazetted Officer.
- A Munsif.
- A police officer not below the rank of Sub-Inspector incharge of Police station.
- Post Master, a Departmental Sub-Post Master or an Inspector of Post Office.
- Officers of the Reserve Bank of India and other PSBs in respect of pensioners
- The head of the village Panchayat, Gram Panchayat or Head of an executive
- Retired Commissioned Officers of the Armed Forces in respect of pension bill
- All Wills should be clear-cut unambiguous and precise. Please refer to AO 4/91.
- An Executor can be a beneficiary under the Will.
- Witnesses cannot be beneficiaries under the Will.
- All Wills are revocable. However, in case of revoking any Will especially so a registered Will – it should be clearly stated in the latest Will that, “All previous Wills, whether registered or un-registered, what so ever and wherever, stand revoked and cancelled”. This will avoid any controversies.
- It should be noted that a registered Will takes precedence over an un-registered Will. Hence in case of any revocation or alteration of an earlier Will, the latest Will must be registered.
- Probate is mandatory for immovable properties situated in West Bengal, Pondicherry, Chennai and Mumbai. The Executor of the Will has to apply for the probate in the courts concerned in these States. Probate is not necessary in other States of India, especially so if the Will is a valid registered document.
- Execution of any Will rests with the Executor of the Will. Hence it is imperative that the executor be an honest, trustworthy and reliable person.
- It is advisable to have a younger person in good health as an Executor, to try and ensure that he/she does not pre-decease the Testator of the Will. To avoid such an eventuality, an Alternative Executor may also be appointed in any Will.
- It is advisable to appoint a reliable lawyer as an Executor, in case the property has to be divided amongst different heirs, or if a Will gives only life interest to any one person and thereafter the ownership rights vest with someone else.
- The Executor must know the contents of the Will and be will and be willing to execute the Will according to the wishes of the Testator.12. The Executor must be a resident of the same town as the Testator, to enable him to execute
- Witnesses need not know the contents of the Will, but they must be present at the time with the Testator and all of them must sign the Will in the presence of each other.
- Beneficiaries cannot be Witnesses to any Will.
- Witnesses should preferably be younger to the Testator, of sound integrity and good financial position, to ensure that they cannot be “bought over” by any disgruntled beneficiary or relations.
- Witness should also be permanent residents of the same town as the Testator, so that they can easily give evidence in Court, if so required.
- `It is advisable Not to disclose the contents of a Will to the beneficiaries. Such Disclosure generally leads to un-necessary arguments, and harassment of the Testator.
- It has been observed that the tendency to treat the elderly dependents with a degree of callousness, is becoming rampant in our society today. It is therefore advisable that the Testator of WILL makes full provisions for financial independence for self and spouse while executing a Will.
- In case of death due to an accident lodge an FIR at the nearest Police Station, and get their written clearance before last rites are performed.
- Arrange last rites even in cases of natural demise only after getting Medical
- Publish Obituary in Local Paper(s).
- Obtain Death Certificate-20 or more copies from the Municipal Authority for Registration of Births and Deaths. These are required to be submitted with all claims.
- Forward the information with certified photocopy of the Death Certificate and relevant details of the deceased to the following: –
- Obtain Probate of WILL if required by applying to the Distt Judge under Indian Succession Act 1925.
- Death if due to accident or unnatural causes should always be reported to the Police Station in whose jurisdiction the area falls. It avoids lot of troubles later on. In such cases get the autopsy done to establish proper cause of death.(b) Do obtain two ink signed copies of Medical certificate specifying cause of death from the Hospital or the authorized Medical Practitioner. One of these is required by the authorities at the cremation/ burial ground. The other is required by the authorities (Registrar of Deaths & Births) who issues Death Certificates. Obtain cremation/burial certificate from the cremation/burial ground.(c) A close relative should apply for issue of Death certificate within 15 days of the death of the pensioner/ deceased. Obtain at least 20 ink signed & equal number of Photostat copies duly attested by a class one officer.(d) Write to the Pension paying Bank Intimating them of demise of the pensioner, asking them to discontinue the pension of the pensioner and payment of the family pension of the spouse l N O K (give name). Enclose ink signed death certificate & copy of the original P P O having joint photograph of the pensioner & spouse/ NOK. Also state PPO and pension S /B A/C numbers.. Sample Application form as at Annexure.(e) If the Pension A/c is a joint account or the spouse is a nominee in it Then it is simpler to operate the same A/C for family pension, otherwise a fresh S/ B A/C is to be opened in the same bank. It requires proof of Identity and proof of Residence. Photo copy of voter I Card! PAN card will suffice- with three copies of attested photographs.(f) Write separately to Pension sanctioning Authority, PCDA ( P) to start family pension, on demise of the pensioner and enclose ink signed copy of death certificate:-Sample Application is at Annexure(g) In the case of Retired Army Pensioner Write to the A Gs branch (MP-5, CW 4) to update their records. & to Pay Platinum Grant if Applicable As per Annexure.(h) If the age was less than 70 years write to Army Group Insurance Fund (AGIF) to Make payment of life insurance amount. Application Performa at Annexure.(i) Return Retired Officers I Card to Area HQ (lnt Br.) for further Disposal. (j) If there are other Insurance Policies write to them to pay Insurance amount.(k) Write to all banks wherein the pensioner has his accounts to transfer closing balances to the spouse / N O K giving bankers address, a/c number.(I) Write to Regional Transport Officer to transfer the Automobile to the NOK.(m) Write to Arms Licensing Authority to transfer the weapon (if any) to the NOK meanwhile deposit the weapon(s) in concerned Police Station Arms Dealer for safe custody. The NOK should apply forArms License at the earliest.(n) Write to Electricity Providing Agency to transfer the meter in the name of spouse/NOK and start further billing against that name.(o) Write to the Telephone providing Agency to Change the name of the subscriber, transfer the connection to the name of the Spouse/NOK for further billing (p) Apply to AWHO to transfer the dwelling unit to the spouse/NOK. Performa for Application should be obtained from the AWHO / Welfare Society . The Society has to render No Objection Certificate (NOC).stating that there is No encroachment of common land, No major modification to theApproved design and all Dues to the Society has been cleared. If not already done you may have to do it before they issue NOC.(q) Write to all the clubs & societies to transfer the membership to the spouse/NOK (r) Write to all Debtors to clear all dues and make payment to the Spouse/NOK.(s) Clear the outstanding dues if any of the Creditors and credit cards and loans taken if any. Return the credit cards to the Bank concerned.(t) Some of the banks may have issued Insurance certificate for the amount of FD/Bank Balance then claim it.(u) Write to Income Tax authorities to intimate death of the Pensioner to close his Income Tax file and open Income Tax file in the name of the Spouse/NOK Quoting PAN number of both.(v) Write to the Municipal Authorities to Close Property case file of the deceased person and open it in the name of the spouse/NOK.(w) Approach the district Courts for Probate of the WILL, if it is in possession, otherwise obtain a Succession Certificate. From the District Judge. (x)
The Manager Name of Bank Address
Subject:- GRANT OF FAMILY PENSION ON DEMISE OF PENSIONER.
Copy to :
DRAT LETTER FOR ARMY GROUP INSURANCE EXTENDED POLICY
From: Name Tele No : Mob ………………..
Address………………………………………. &n bsp; Date
Army Group Insurance Fund,
AGIF House, Rao Tularam Marg, NEW DELHI – 110010
Sub:- ENCASHMENT OF EXTENDED ARMY GROUP INSURANCE POLICY Ref.
1. I regret to inform you that my spouse, I C. No. Rank Name has expired on……. at………. His/Her Death Certificate issued by …………… is enclosed for ready Reference.
2. I am enclosing the Extended Army Group Insurance Certificate for encashment duly completed in all respect. His date of birth is………………………… Kindly send the cheque of the sum assured to me on my address as given above. My Bank details are as under:-
SSB A/C No. Name and address of my Bank.
- I regret to inform you that my husband, IC No. Rank Name has expired on ( date) at (Name of Hosp) , Address(Place) , Due to (Cause of Death) The Certificate of his death Issued by (Civil Authority) is enclosed for ready reference.
- You are, kindly requested, to send me his Platinum Grant on his demise. Hisdate of birth is Photo Copy of his Retired Officers’ Identity Card is enclosed for ready reference. The cheque may please be issued to me on the Address given on top of this letter. My Bank details are as under: Name of Bank Address SBA/C No
- We have XXX / do not have dependent Children.
- In case of death due to accident lodge an FIR with the nearest Police Station, and get theirwritten permission before last rites are performed.
- Arrange last rites even in cases of natural demise only after getting Medical Certificate of cause of Death from a doctor (Authorized Medical Practice nor). Intimate time of Funeral and CHAUTHA/UTHALA/ Prayer meeting to all concerned preferably through an insertion of obituary in News Papers(s).
- Apply for and obtain Death Cetificate-20 or more copies from the Office of Registrar of Births and Deaths/ Municipal Authority. These are required to be submitted with all claims.
- Forward the information with certified photocopy of Death Certificate
- Obtain Probate of WILL (if held) otherwise succession certificate is required from the District Judge under Indian