Friday, July 30, 2010

Senior Citizen Corner

Senior Citizen Corner

Senior Citizens are a treasure to our society. They have worked hard all these years for the development of the nation as well as the community. They possess a vast experience in different walks of life. The youth of today can gain from the experience of the senior citizens in taking the nation to greater heights. At this age of their life, they need to be taken care of and made to feel special. Indian Government provides several benefits through its schemes in various sectors of development.

With various tax benefits, travel and health care facilities provisioned for them, Indian Government has created reasons for Senior Citizens to feel happy. This corner on Senior Citizens is aimed at providing details on various aspects concerning them.


Health Care
Health Ailments and Treatment
Medical Insurance
Central Government Health Scheme
Special Programmes/Concessions
Yoga Directory
Health Guide from Public Health Foundation of India
Web Health Centre - A portal used for providing online Health Care Services
Drug Search, Health Calculators, Medical Consultation
Compendium of Drug and Medicine Prices
Health Portal (Store, Track & Manage your Health)
Aids & Appliances (List of Manufactures/Suppliers)

Travel Benefits
By Train
By Air
By Ship
Loan for Financing Trips

Government
Policies/Schemes
Concession / Amenities for Defence Personnel

Financial Assistance/Incentives
Tax Benefits
Financial Planning
Loans
Tax Exemption on Interest

Care for the Elders
Information about National Initiative for Care of Elderly
Senior Citizen Life Enrichments Services
Recreational/Educational Centers

Old Age Homes
Indian Old Age Homes
List of Old Age Homes in India (Statewise)
Old Age Homes in Delhi-NCR
Old Age Homes in Haryana
Old Age Homes in Kolkata
Old Age Homes in Maharashtra
Old Age Homes in Uttar Pradesh and Uttarakhand

City Helplines
Information related to selected cities in India & abroad
Chandigarh-city-helpline
Kolkata-city-helpline
City Helpline(New Delhi, Kolkata, Bangalore, Chennai, Coimbatore, Goa, Hyderabad, Jaipur, Cochin and Mumbai)

Indian Temples and Pilgrimage Tours
Information about temples (religion-wise) in India
Showcasing Indian temples.
Official website of Tirupati Tirumala Devasthanams offering e-services
Official website of Shri Mata Vaishno Devi Shrine Board offering online services
Information and services related to Amarnath Yatra
Information about Pilgrimage Tours in India

Pet Care
Information about Pet Care in India (Pet Nutrition & Therapy)
A Website on "I Love Indian Pets"

Other Resources
Senior Citizens Savings Scheme from RBI
Advice on Do’s and Don’ts for Senior Citizens from Delhi Police
Senior Citizen Cell : Delhi Police
Senior Citizen Institute (Indian Air Force)
e-Post, Speed Post Tracking

FAQs
Medical Policies
Savings Scheme
Defence Personnel
Self-Employment Schemes
General

Monday, July 26, 2010

PROVISION OF D.A.. (DEARNESS RELIEF) FOR PENSION IN ONGC

I fully agree with the views of Shri Nirmal Kumar with regard to Dearness Relief to be linked to PRBS or any scheme of Pension in ONGC.

The Dearness Relief (DR) is paid to the Central Government Pensioners/family pensioners to compensate them for the rise in cost of living. The rate we.f. 01.7.2004 is 14%

ONGC is Navratana. Number -ONE Public Sector of the country. Under its social obligations it is supposed to be Number- One, among others, for safeguarding the interests of its retired employees who rendered dedicated service to the Corporation in their hey days under hostile environ and hazardous working conditions in remote areas away from families.

KUCHH TAU MILEGA - A GOOD NEWS FOR EX-ONGCIANS

The retired employees of the Oil and Natural Gas Corporation (ONGC) have been undergoing through a very excited phase since the newS relating to a monthly payment of 30% of the existing maximum of revised pay scales of the posts on which they retired irrespective of their dates of retirement. It is guessed that an announcement to this effected is likely to be made by the CMD of the Corporation on 14th August, 2010, which happens to be the ONGC Day. Some people are of the view that the amount of Ex-gratia and PRBS already beong paid to the retired employees would be deducted from any such payment where-as some feel it would be simply a profit sharing having no relation to PRBS or Ex-gratia.

It has reliably been learned that at the back-ground of above, there are some developments where CMD of ONGC has formed a high level official Committee consisting of some former senior executives of ONGC for the express purpose of formulating a viable scheme for the welfare of retired employees out of the Welfare Fund as per directive of BPE vide its order dated July, 2009. The Committee so formed, has already submitted its recommendations on June 12, 2010.Actually, the above Welfare Fund is the same Fund/Corpus as recommended by the 2nd PRC headed by Justice JR Rao whereby 1.5% of Profit Before Tax (PBT) is to be ear-marked by all the PSUs for the welfare of their retired employees who are not adequately covered under Pension or Medical Schemes. In view of the above developments, payment for the F.Y 2007-08,2008-09 and 2009-10 have already become due.

Blessing in disguise ! It is not known in what shape it would be , but there , certainly , is some thing good in the offing which would enthuse the retired employees of ONGC to celebrate the ensuing Independence Day with more pomp and show.

JAI HO !

(PLEASE OFFER CONSIDERED COMMENTS.WIDE PARTICIPATION IN ALL SUCH MATTERS BY THE RETIRED EMPLOYEES WOULD CERTAINLY SAFE-GUARD THEIR INTERESTS)

Wednesday, April 21, 2010

NATIONAL POLICY ON OLDER PERSONS

National Policy on Older Persons seeks to assure older persons that their concerns are national concerns and they will not live unprotected, ignored and marginalized. The National Policy aims to strengthen their legitimate place in society and help older people to live the last phase of their life with dignity and peace, This policy provides a broad framework for inter sect oral collaboration and co-operation both within the government as well as between government and non-governmental agencies for the well being of older persons of the country. Further, it needs no emphasis to understand the role of ONGC for implementation of the said policy in its spirit and object with regard to its own retired elderly employees with a view to help them to live with decency, independence and self-respect in the fall of their life when their physical and mental prowess is ebbing corresponding to aging process and, therefore, they are required to fall back to savings. One such saving in kind is that they give their best in hey day of life to the ONGC till the age of their superannuation

In view of the aforesaid the senior citizens of ONGC are entitled to certain privileges and benefits in consideration of their loyal service and ONGC is under constitutional obligation to ensure implementation of the same

T.A. ON RETIREMENT VS. POST RETIREMENT MEDICAL FACILITIES

T.A. ON RETIREMENT Vs. POST RETIREMENT MEDICAL FACILITIES

Grant of T.A. on Retirement, when a retired employee settles down in a station other than the last station of duty, is not some thing new introduced by ONGC. It was well in practice in a number of organisations including Central Government much earlier. Linking the same with the extension of medical facilities after retirement by the ONGC is 'oppressive' In terms of the medical rules of the Central Govt , which also apply on ONGC, pensioners/family pensioners also, have the option to get their names registered with any of the dispensaries under CGHS, but are eligible for getting treatment from any of the dispensaries at any city notified by the Central Government. It is not necessary that these pensioners/family pensioners should be living in the area covered under the CGHS.

In the above connection, verdict in the following court case relating to ONGC is worth taking-note:-

Some of the retired employees of Ankleshwar Project of ONGC, who availed TTA and opted for post retirement medical facilities at some other place other than Ankleshwar/Bharuch, have continued to avail of post retirement medical facilities from ONGC dispensaries at Ankleshwar/Bharuch. Therefore, their medical facilities from Ankleshwar/Bharuch were discontinued. 53 of such employees appealed in the Bharuch Court for restoring their medical facilities at Ankleshwar/Bharuch. As per the judgement of the Hon'ble Court, medical facilities were to be restored to those employees.On the appeal of the Project, Hon'ble High Court has upheld the decision of the lower court and held that the medical facility scheme is a welfare scheme and can not be equated wth the other rules of ONGC and TTA. Having regard to the interpretation and proposition laid by the Hon'ble High Court, ONGC concluded that there does not seem much scope for challenging the order of Hon'le Court in SLP with the view that medical scheme being a welfare scheme and the order of the Hon'ble High Court being tentative, the Hon'ble Sureme Court might not like to interfere with the order of the High Court. As a result, vide Office Note no.Ank/RC/PD/MF/2000/1584 dated 30/31-3-2000 of the Ankleshwar Project, Post Retirement Medical Facilities in respect of all retired employees, who were party to the pettition (SCS NO.65 AND 105 OF 1998) were restored.

Monday, April 19, 2010

MEDICAL FACILITIES FOR RETIRED EMPLOYEES

'RETIRED EMPLOYEES CAN SUE GOVT FOR NEGLIGENCE UNDER CGHS'

The verdict, read with a ruling of the SC in 1995 that in-service Central Government employees are consumers under the Central Government Health Service Scheme, now catgorieses the entire working and retired work force as consumers, as far as health care is concerned under the scheme

Lakhs of retired central government employees can rejoice as the apex consumer forum has held them to be the sonsumers under the CGHS schme, thus conferring a right on them to sue the Centre for damage in case of deficiency in health care provided to them and their dependents.

This was unanimous decision of a full Bench of the National Consumer Disputes Redressal Commission (NCDRC) comprising its preseident Justice M.B.Shah, members Rajyalakshi Rao, B.K. Taimni, Justice K.S.Gupta, Justice S.N. Kapoor and P.D.Shenoy.
This verdict, read with a ruling of the Supreme Court in 1995 that in-service central government employees are consumers under the Central Government Health Scheme (CGHS). now categorises the entire working and retired work force of the Central Goverment as consumers, as far as health are is concerned under the scheme.

The question before the NCDRC was "whether a pensioner and beneficiary of the CGHS would be a consumer under the provisions of Consumer Protection Act, 1986, for alleged deficiency in service by the CGHS Medical Officer".

Answering in the affirmative, NCDRC said medical treatment facilities extended to a retired under CGHS could not be termed as 'free service' as it was in consideration of service rendered by him to the government till the age of superannuation, which conferred a right on him to get pension as well as other benefits, including medical treatment presribed by various rules or the schemes framed by the Centre.

"Such employee would be a consumer as defined in Section 2(1)(d)(ii) of the Consumer Protection Act," said Justice Shah , writing for the Bench. Explaining the reason behind the conclusion that would make the retired employees feel less neglected, the NCDRC said service rendered by the government employees before retirement would be "consideration" for providing medical facilities to him or his family members.

"Hence, it cannot be said that the hospital which is subsidised by the government is rendering service free of charge," it said.

The NCDRC verdict came on a petition filed by retired employee Jagdish Kumar Bajpai, throgh advocate Nikhil Nayar, claiming that he was refused medicines for his wife by the CGHS dispensary in Kanpur. He also claimed damages to the tune of Rs. 4 lakh alleging that his wife died due to the negligence of the medical officer.
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The above news item appeared in Ahmedabad Edition ofTimes of India dated November 7, 2005
Needless to say that this verdict is relevant to the working and retired employees of ONGC as the Central Government Medical Attednance Rules also apply on ONGC.





Tuesday, March 16, 2010

MEDICAL - IMPORTANT NOTICE OF SUPREME COURT

(FOLLOWING IS THE RE-PRODUCTION OF NEWS ITEM APPEARED IN THE TIMES OF INDIA OF DECEMBER 22, 19998)


SC NOTIC TO CENTRE ON PESI0NERS' HEALTH CARE(AS APPEARED IN TIMES OF INDIA DATED DATED DECEMBER 22, 1998)

The Supreme Court has issued notice to the Centre on a pettition seeking its finality on a curcial issue affecting every retired government emloyee needing emergency medical care.

The issue has been raised by former Union Goverment additional health secretary, K.P. Singh. He has said due to government's "oppressive", order rerquiring its employees, including pensioners, to obtain prior sanction before seeking specialised treatment in emergency, like heart attacks, had caused grave hardships to the needy.

The Supreme Court, which has already ruled that the government is under a consitutional obliation to provide free health care to the employee including retired personnel, has asked the Union Health Secretary to explain government's stand soon.

Petitioner's counsel, Santosh Singh said in June last year the government issued the office memorandum, which he said, was in violatopm of Articles 14 and 21` of the Constitution.

The office memorandum says :"In case of a medical emergency, the details of which shall be recorded by the chief medical officer of government dispensary, the CMO may directly refer the CGHS beneficiary to a private recogized hospital for further management of treatment.

The effect of this memorandum is that if a Central government pensioner directly goes to the recognised hospital, he has to pay for the hospitalisation and later seek reimbursement from the CGHS directly on a modified form, which is not available anywhere.

With the result, the petition said, the ailing pensioner can never get reimbursement of the expenditure incurred on the medical care. It means "total denial of medical faciities".

In its earlier land-mark verdict the apex court had said the government was duty bound to bear the entire expenditure on heart surgery and hosptal or hotel expenses incurred by its ailing staff including pensioners.

"It is now settled that right to health is an integral to right to life." said the court while dismissing the Punjab government's appeal. The state government challenged the high court's directive to reimburse the room charges besides medical expenses to its two employees who had undergone heart surgery at the AIIMs ad Escort Institutes.

Enlarging the scope of Article 21 (right to life) , the court had said when specialised treatment was not available in the government hospitals and the medical board reommended that an employee should take treatment at the authorised hospitals.necessaily the expenses on room rent as an in-patient were "integral part for the treatment".

In case in-patient facility was not available in a specialised hospital and the patient had to stay in a hotel while undergoing the treatment, the court had sad, the expenses incurred on hotel room chsrges would be inegral part of the expenditure incurred towards the treatment.

"If the government servant has suffered an ailment which requires treatment at a specialised approved hospital, it is but the duty of the State to bear the expenditure incurred by the employee" said the court.

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Mote: The above verdict is too relevant in the light of new medical policy of ONGC for the retired employees. It is undisputed that Central Government Medical Attedance Rules satutorily apply on ONGC. Specific orders of goverment and ONGC to this effect exist.