EX-SERVICE PERSONS - WHAT ARE YOUR COMPLETE ENTITLEMENTS

Terminal Benefits on Retirements

Pension
1. Service Pension Officers. All officers will receive pension = 50 % of (Minimum of Band pay + Grade Pay of the Rank + Military Service Pay (MSP) of the Rank last held )

1. Service Pension of JCOS & Other Ranks. The Service Pension of JCO’s & Other Ranks for Pre 2006 and Post 2006 have been revised with effect from 01/07/2007 to bridge the gap by the sixth CPC. The Revised Pension is based on 70 % of the Trade Classification Pay.

2. Pension Tables.

(a) For Officers it is given at Annex I
(b) For JCO’s. NCO’s & ORs is given at Annex II

1. Dearness Allowance (DA)/ Dearness Relief (DR). DR is adjusted every six months for pensioners as announced from time to time by the Government. The present rate of DA/DR is 107% of basic pension. DA/DR is calculated based on full pension.

2. Commuted Portion of Pension Up to 50% of the pension can be commuted. Commuted Portion of Pension is restored by the Pension Disbursing Agency (PDA) after 15 years and if not done automatically then remind the PDA. Commutation amount is exempted from Income Tax.

3. Encashment of Credited leave at the time of retirement. Encashment of leave is permitted for maximum of 300 days it is calculated on the last pay drawn including NPA and qualification pay (if any) and DA. The leave encashment amount is Exempted from Income Tax.

4. Retiring /Service Gratuity. Permanent Commissioned officers With 10 Years of qualifying or more service without weightage are eligible for service/ Retiring gratuity. The Formula = ½ months of reckonable emoluments x Qualifying Service (for every six months completed service.). Reckonable emoluments include pay in Pay Band + Grade Pay +MSP+NPA (if any) + Dearness Allowances. The upper limit for Gratuity is Rs. 10,000,00/- and the amount exempted is exempted from Income Tax.

War Injury/Disability Benefits

1. Disability Pension. The rates of war injury element for 100% disability for all ranks shall be equal to 30 % of the reckonable emoluments last drawn, where disability is less than 100%. It will be proportionately reduced. However, in no case aggregate of service element and war injury element should exceed the emolument last drawn

2. The revised Rates For Post-2006 Retirees are as under:-

Category War disabled Normal Processed By
(In action) (BC/PC)
(I) Officers & Honorary Commissioned Officers : War disabled 11700/pm Normal 5880/pm D
(ii) JCOs & Equivalent War Disabled 8600/pm Normal 4300/pm
(iii) Other Ranks (OR) War Disabled 7020/pm Normal 3510/pm

1. Disability Pension / Gratuity

(a) Disability Pension. Armed Forces Personnel who retires or invalided out of service due to disability caused or aggravated by military service is entitled to Disability pension, consisting of Service Element and Disability Element. If boarded out, Disability Pension will be paid even if disability is less than 20%

©Disability Element. For Post 01 Jan 2006 retirees, the rate of Disability Element is 30% of Basic pay for 100% disability. Disability element is proportionately reduced, depending upon the percentage of disability. No disability element is admissible if disability is less than 20% except in the case of invalidment.

(d) War Injury Pension. War Injury Pension is granted to those who got injured during Action against Enemy, Terrorists, Extremists or anti social Elements. It consists of Service Pension and War Injury Element. For 100 % Injury both Elements put together shall not exceed Pay. Last Drawn. For lesser Injury, It will be reduced proportionately,

1. Grant of Family Pension for Life to Dependent /Handicapped Children. A permanently Handicapped and dependent Child/ Dependent unmarried /Divorced Daughter is entitled for lifetime family Pension on demise of last surviving parent The Guardian should apply on behalf of child to AG’s Branch Org 3(b) with a copy to PCDA (P). G’s Branch. The pensioner, during his/her lifetime, should get the Part II order published after getting Permanent Disability Medical Certificate from Armed Forces /Government Hospital. If Part II order does not exists then the surviving parent should take up the case with the AG’s Branch to do the needful. Write to the PCDA along with Affidavits duly Notarized, Signed & Witnessed, separately by the Parent and the Daughter, stating on oath that she is dependent & unmarried / divorced and that her total earning from all sources does not exceed Rs. 3500/- per month.

2. Additional Pension to Elderly Pensioners. The quantum of additional Pension to the Elderly Pensioners is as follows:-
   (a) Above 80 years : 20% of pension.
   (b) Above 85 years : 30% of pension
   © Above 90 years : 40%
   (d) Above 95 years 50%

The Pensioner should approach the PDA With the proof of date of Birth with intimation to the PCDA (P)/ Record office concerned

Gallantry Awards Winners.

1. Monetary Awards are provided to Gallantry Award winners which is payable for two lives i.e. for the Pensioner and the Next Of Kin. The Present Rates for Gallantry Awards are

Sr. No Gallantry AWARD Rate Per Month (Rs.)

1 Param Vir Chakra 10,000

2 Ashok Chakra 6,000
3 Mahavir Chakra 5,000
4 Kriti Chakra 4,500
5 Vir Chakra 3,500
6 Shaurya Chakra 3,000
7 Sena Medal 1,000

Ex Gratia Grant By Government to NOK

1. In case of death the following grant is admissible :-

(a) Death during Accidents in the course of his duties - Rs 10 Lakhs

(b) Death attributable to terrorist act- Rs 15Lakhs

(c) Death in enemy action , or in action against terrorists – Rs 20 Lakhs

(d) Some State Governments make lump sum to the awardees. This varies friom state to state.

Terminal Benefits From Army Group Insurance Scheme (AGIF)

1. The following benefits will be received from AGIF
   (a) Maturity Benefits. Maturity Benefits depends on the Contribution made by Individual. It is in two parts viz. Insurance premium & Saving Element. At the time of Retirement, both the elements are paid, along with Interest on savings and Bonus on Premium. The Amount on Maturity will depend on Contribution by each Individual. Post Retirement Extended Insurance is provided Up to the age of 75 Years on death which ever is early. There is no refund of amount of Extended Insurance Scheme.

(b) Benefits under Main Scheme. The Insurance Amount received by the NOK in case of death are :-
(i) Rs 30 Lakhs . To The Officers from Regular Army & Cadets from IMA/ OTS
(ii) Rs 15 Lakhs To Cadets of 10+2 Entry Not in Receipt of Stipend.
(iii) Rs Nine Lakhs To Territorial Army.
(iv) Rs Eight lakhs To Cadets from NDA / AFMC.
(v) Rs Five Lakhs To JCOs & Other Ranks.
(vi) Rs Six Lakhs Post Retirement to officers.
(vii) Rs Three Lakhs Post Retirement to JCOs and OR

1. Extended Insurance/Post Retirement. This benefit is available for 26 Years or until 75 years of age which ever is earlier. Payment is made on demise of pensioner to the Spouse / Next of kin.

Medical Entitlements.
17. ECHS. All service personnel who retired on or after 01 April 2008 automatically become members of ECHS, The following are eligible for membership of ECHS:-
(a) Ex servicemen drawing Pension/Disability Pension.
(b) Widows drawing Family Pension.
© Spouse.
(d) Unemployed Sons below 25 years, Unemployed and/ or Unemployed widowed/ divorced daughters/Unemployed parents, whose combined income is less than Rs. 35000/- +DA on it on the date of consideration. and Mentally / Physically Challenged Children for Life.

18 Treatment through ECHS. An ECHS member who Possesses Valid Smart Card may avail medical treatment in :-
(a) Any empanelled ECHS Policlinic anywhere in India..
(b) Service Hospital Free Treatment provided no further action is required.
© Emergency Treatment. Emergency Treatment may be obtained from any Hospitals however it should be ensured that the nearest ECHS polyclinic is informed within 48 hours

1. Medical Entitlement of SSC Officers. Medical Entitlement Cards to avail limited medical facilities will be issued to the SSC Officers who are drawing Pension and on production of Non Employment Certificate.

20 Medical Treatment Grant. A medical Grant of 10% of pension or minimum of Rs 100/- is sanctioned to those who are living in remote areas where facilities are not available. To get this grant one has to approach the Pension Disbursing Authority (PDA).

Concessions for Veterans, Gallantry Award Winners.. Widows & NOK

1. Air Travel 50% discount on basic Air Fare by domestic Airlines. (Sahara gives this discount for persons above 62 year of age. 75 % concession in domestic Flights by Indian Air Lines to War Widows.

2. Rail Travel 30% discount on Rail fares of all classes of travel for persons above 60 years and 50 % for persons above 63 years of age.

3. Income Tax. Total Exemption of Income Tax Of Gallantry Award Winners. No Tax. Up to Rs.240,000 /- For Senior Citizens above 60 years of age. (Now Limit increased to Rs 250,000/-for age > 60 years and Rs.500,000/- for age > 80 years Applicable From Assessment Year (AY) 2012-13.)

4. Telephone Connection. Free Installation and 50 % exemption on Rent by Telephone Dept. to those who are injured in war / In Receipt of Gallantry Awards. For Chakra Series Awardees the Reservation Fee as well as full Rental is exempted

5. Education Concessions Following concessions have been Revised with effect from 01 Sep 2008 ,for the Wards of Battle casualty

(a) Full Re-imbursement of Tuition Fee, Transportation Charges and Hostel Charges but(Less Mess Charges).

(b) Re-imbursement of cost of Books and Stationary @ Rs 1000/-p.a,,

© Cost of Uniform Where compulsory up to Rs. 1700/- and for the first year and, for Clothing @ Rs.500/- for the first year and Rs.300/- there after

1. Reservations in Professional Institutions
   Some states have reserved seats for Service personnel and ex-servicemen, wards and widows of battle casualties. Inquiries should be made to the Zila Kalyan Kendra of the state concerned. Some of the seats are also reserved in AFMC and Engineering / Administrative Institutions run by Army Education Society. Enquiry may be made from the Chairman Army Education Society, New Delhi.

Army officers Benevolent Fund (AOBF)- Platinum Grant/ Demise Grant..
30. Platinum Grant of Rs. 50,000/- is given by the AG’s Br. Army H Q to Officers on attainment of 75 years of age or on death which eve is earlier. To claim it, enclose Photostat copies of PPO, Retired Officers Identity Card and Death Certificate In case of demise Of officer and send it to CW-3 AG’s Br Army H. Payment to those Who died early is made on sliding scale given as under:

Commissioned service as Officer	Amount in Rs

(a) Below 5 years Nil
(b) 5 to 10 years 12,500
(c) 10 to 15 years 25,000
(d) 15 to 20 years 38,000
(e) 20 years and more 50,000

1. Canteen Facilities Service Pensioners of all Ranks including Family Pensioners Are authorized to avail of Indigenous canteen stores Less Specially allotted /Short supply items. .For this purpose The Entitled Individuals are attached to the nearest Station /Unit Run Canteen, as convenient by Station H Q.. NOK of all diseased Soldiers are Authorized to draw three bottlers of liquor quota per month.
   ( Auth: :QMG Br./CS Dte.. Letter No. 96129/Q/DDGCS dated 07 Oct 2008)

2. Allotment Of Oil Product Agencies.

a. Eight Percent Defense Quota. Under this scheme The Government has reserved 8% of retail outlet of Petroleum & LPG for War Widows / Dependents/ Disabled Soldiers as per following Priority:-

(i) Priority-I. Widows/Dependents of Posthumous Gallantry award winners
(ii) Priority –II Widows/ Dependents of servicemen killed in War.
(iii) Priority –III Disabled in war.
(iv) Priority-IV Widows / Dependents of those died in Harness with causes Attributable to service.
(v) Priority-V. Disabled in Peace With Disability Attributable to Military service.

(b) For Allotment of the Outlet one should apply to DGR In addition to the above there are other Schemes such as Coal Tipper Schemes, Allotment Of BPL outlet, Management of CNG station by ESM (O) , as yet In NCR only and Management of Toll Plaza .

1. Allotment of Surplus & Class B Vehicles from Disposals A pensioner/ or a Widow is entitled for allotment of one vehicle from surplus stock if applied for during five years of retirement/death of a serving individual. A proper application along with bank draft of specified amount should be submitted to the DGR through Zila Sainik Board. For details and application form approach AG’s Branch /Zila Sainik Board.)

2. Assured Decent Last Rites (ADLR.)

(a) All Willing Veterans including Officers, All Other Ranks and their Widows holding Valid Canteen Cards will be Eligible for ADLR Scheme.

(b) A grant of up to Rs. 2500/- Should be provided on the spot to the Next Of kin for assisting in Organizing decent and Honorable last rites of the Veteran by the ADLR staff of the dependent canteen

(c) ADLR staff shall Assist in Organizing a decent last rites, where the family is unable to do so and requests for it

(d)    Wreath on behalf of COAS shall be laid by the ADLR staff.

I was wounded in action during the 1971 Indo Pak War.I voluntarily retired pre maturely from the Indian Army in 1976 after 12 years and 9 months of service.Am I entitled to War Injury Pension or ECHS membership?
Regards IC 14404 Major Karun Khanna (Retd)