NOIP circular no 26 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 12-09-2024

Cir No 26/2024

Shri. Nagaraju Maddirala,

Secretary, DFS,

Jeevan Deep Bldg,

Parliament Road, New Delh

 Respected Sir,

Re : Revision of Pension for LIC Pensioners.

This is further to our letter dtd 1-9-2024 handed over in person to the Director, Insurance on

11-09-2024.

LIC Employees’Pension Rules, 1995 were promulgated by means of a Gazette Notification

by Government of India on 28-06-1995. These Rules were based on the then prevailing CCS

(Pension) Rules, 1972 and CCS (Commutation of Pension) Rules, 1981. All Employees retired on

or after 01-01-1986 were allowed to exercise an option to join the Scheme on certain terms and

conditions. The rules were made effective from 01-11-1993.

Even for Central Govt Pensioners the Revision of Pension came only by the

recommendations of V CPC submitted in 1997 and accepted by GOI and implemented wef 01-01-

1996. However, the Pension Revision was done by GOI by issuing OM. This method of

Revision of Pension by issuing OM continued till CCS (Pension) Rules, 1972 were withdrawn

by bringing in CCS (Pension) Rules, 2021. It is in this CCS (Pension) Rules, 2021 that

Revision of Pension was incorporated under Rule 66.

Since at the time of promulgation of LIC Employees’ Pension Rules, 1995, there was NO

Pension Revision for CG Pensioners also. Hence, LIC Pensioners missed out on Pension Revision

right from 1993 till date though 8 rounds of wage revision have been completed.

The effect of no Pension Revision in LIC has resulted into EIGHT groups of Pensioners

viz.

Group Which Retirees are covered.

Group 1 Retired from 01-01-1986 to 31-07-1992

Group 2 Retired between 01-08-1992 to 31-07-1997

Group 3 Retired between 01-08-1997 to 31-07-2002

Group 4 Retired between 01-08-2002 to 31-07-2007

Group 5 Retired between 01-08-2007 to 31-07-2012

Group 6 Retired between 01-08-2012 to 31-07-2017

Group 7 Retired between 01-08-2017 to 31-07-2022

Group 8 Retired on or after 01-08-2022 onwards.

The effect of these Groups is that the Basic Pension, the DR rate per Slab, the DR Slabs

and Gross Pension drawn by the Pensioners retired in the same Cadre vary widely. We are

enclosing herewith a Statement of Monthly loss suffered by earlier Pensioners as compared to

present generation of Pensioners ie Group 8 Pensioners.

We here below present an example out of the Statement attached to bring home the injustice

suffered for the last 30 years by founding fathers of LIC after their retirement, because of NON

REVISION OF PENSION since inception of the Scheme.

Basic Pension DR rate/Slab Slabs DR payable Gross Pension Loss

Retired Executive Director Group 1

Rs.3,500/- Rs.16.08 2154 Rs.34,636/- Rs.38,136/- Rs.1,30,259/-

Retired Executive Director Group 2

Rs.7,000/- Rs.19.85 2017 Rs.40,037/- Rs.47,037/- Rs.1,21,358/-

Retired Executive Director Group 3

Rs.11,800/- Rs.27.14 1869 Rs.50,725/- Rs.62,525/- Rs.1,05,871/-

Retired Executive Director Group 4

Rs.17,553/- 31.5954 1722 Rs.54,407/- Rs.71,960/- Rs.96,435/-

Retired Executive Director Group 5

Rs.29,075/- 43.6125 1568 Rs.68,384/- Rs.97,459/- Rs.70,936/-

Retired Executive Director Group 6

Rs.55,618/- 55.618 1127 Rs.62,681/- Rs.1,18,299/- Rs.50,096/-

Retired Executive Director Group 7

Rs.91,250/- 73.000 716 Rs.52,268/- Rs.1,43,518/- Rs.24,878/-

Retired Executive Director Group 8

Rs.1,51,163/- Rs.90.6978 190 Rs.17,233/- Rs.1,68,396/- NIL

RETIRED DRIVER IN GROUP 8

Basic Pension DR rate/slab D R Slabs DR payable Gross Pension

Rs.35,745/- Rs.21.447 190 Rs.4,075/- Rs.39,820/-

It is evident from the above Charts that a Retired ED of Group 1 receives less pension of

Rs.1,30,259/- as compared present retired ED.

A retired Driver now receives more Pension than the Retired ED of Group 1.

Similar anomaly exists for all Cadres – within the Cadre and compared to lower Cadres.

The only solution to bring down this anomaly is to Revise Pension with each Wage

Revision of In-service employees.

We are bringing this Anomalous condition about our Pension Scheme to your knowledge

hoping that some solution will be found out in the form of Pension revision with every Wage

Revision for in-service employees of LIC.

The detailed anomaly chart as on 01-08-2024, cadre wise from Executive Director to Sweeper, is

enclosed here with for your ready reference. Just a glance at the said chart gives the idea about the

greatest anomaly in the gross pensions, for not having revised the pension ever since 01-08-1987.

With thanks and regards,

Encl: As above

Yours Sincerely,

 General Secretary

 

NOIP circular no 25 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 11-09-2024

Cir No.25/2024

Latest positive developments regarding our pending issues at DFS- NOIP single man delegation meets

DFS officials today.

This is further to my report dtd.4-9-2024 about our visit to DFS office on 3rd instant. As a further follow

up I sent a mail to PS to Joint Secretary on 9-9-2024 requesting for an appointment with the JS. I tried to

contact on phone but was not connected due to busy lines since it is a landline number. I requested Shri.

Rajiv Kumar, our C C member from Delhi to visit the DFS office. Accordingly, he visited the office today

and contacted the Personal Secretary to the Joint Secretary through receptionist. PS informed that my

email has been forwarded to the Director Insurance and asked to meet her. On contacting, she

immediately asked to meet her. This was a pleasant surprise and on receiving phone call from Shri.Rajiv

ji, I requested him to meet as a single man delegation of NOIP and immediately mailed NOIP’s letter dtd

1-9-2024 addressed to the new Secretary, DFS. He got the print out there only and went to meet the

Director Smt.Mandakini Balodhi. Though she was in an important conference call, she entertained

Shri.Rajiv ji for a few minutes, read the letter, hinted certain developments and marked it to the Addl

Director, Insurance Smt. Neha Chauhan, who is actually dealing with our issues and asked to meet her

for detailed discussions.

Immediately thereafter Rajiv ji met Smt. Neha, Addl Director. He discussed all the issues contained in the

letter dtd. 1-9-2024 in detail and the discussion went on for more than half an hour. Under Secretary,

Shri. Abdul Gurfan also joined in the discussions. There were positive indications. Thus, discussion with

all the 3 important officers who are dealing with our issues went on for total 90 minutes. The take away

from the discussions is briefed here below-

➢ Our meeting with Dr. Prashant Kumar Goyal, Joint Secretary, on 25-4-2024 (discussed all the

issues contained in our letter to Secretary, DFS dtd 23-4-2024) was a break through in the

resolution of our issues. Because, soon after our said meeting he sought the notes on all issues

from the dept. All the above 3 officers are engaged in this exercise.

➢ Dr Goyal is said to be an upright and positive minded officer, who listens to the genuine

grievances and acts upon them with all seriousness. We got the same impression when we met

him for the first time on 25-4-2024.

➢ 4 issues which are supposed to have been recommended by LIC are under active consideration

by the ministry, viz 1) OMOP to left over ex servicemen and engineers, 2) Increased pension to

80+ pensioners, 3) 50% of last pay as pension if it is favourable to the retiree & 4) Double the

family pension up to 67 years of age of deceased pensioner.

➢ We got the hint that immediately an exclusive letter on a single issue of updation be sent to the

Secretary, DFS. We will be doing it in a day or two, though in every letter of ours this finds a first

preferred issue for resolution.

➢ Other issues contained in our letter dtd 1-9-2024 were also discussed in all details and we will

further follow up these issues.

➢ There is a positive atmosphere regarding our long pending issues in the DFS after taking over

charge as Joint Secretary by Dr. Prashant Kumar Goyal, who is genuinely interested to address

our issues.

We salute our C C Member Shri.Rajiv Kumar Sharmaji for his single man successful mission in the DFS

today. He was there from 3-30 pm to 6-30 pm.

We thank all the above 3 officials of DFS who were cordial and gave a patient hearing and we felt

reassured.

We assure our members that we continue to pursue all the other issues by making frequent visits to the

DFS.

NOIP Zindabad- BMS Zindabad

Encl: Our letters dtd 1-9-2024 and 23-4-2024.

General Secretary

NOIP circular no 23 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 22-08-2024

Cir No 23/2024

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Pending issues and gentle reminder

This is further to our various earlier letters in respect of the following issues and implore upon you

to refer the cases to DFS for further action, in addition to the pension related other issues already

referred to DFS.

1) NOIP’s charter of demands dtd 01-10-2022. It was submitted to the then MD Shri.

Patnaik ji on 19-10-2022. Also, the Deputy Chief Labour Commissioner, Bhubaneshwar,

after a conciliation proceedings with NOIP & LIC, had ordered the charter of demands of

NOIP to be referred to DFS for further action. Charter of demands include inter alia, request

for commutation period to be reduced to 10 years from the present 15 years in view of

falling interest rates, in addition to various other demands. Some of the State Govts have

reduced the commutation period to 12/13 years. Punjab & Haryana HC has given interim

stay for recovering commuted portion for the pensioners aged 70 and above.

In view of these latest developments, we request you to recommend reduction in

commutation period to 10 years, to DFS for their consideration and approval, in addition to

other issues contained in our charter.

2) OMOP (One more pension option) to resignees- Please refer to our latest letter dtd.

10-11-2023 addressed to the MD, requesting to offer OMOP to the resignees of LIC, since

the said benefit has been extended to the resignees of Public Sector Banks, through the

MOU signed by IBA with UFBU in November 2023 and the accord thereof has been given

by the DFS. As such, we urge you to recommend the same benefit to resignees of LIC,

whose number is miniscule, to the DFS for their consideration.

3) OMOP to left over ex servicemen and directly recruited engineers- We have written

innumerable letters to you requesting for grant of OMOP to these left-over retirees who are

less than 100 in number. It was informed to us that DFS has declined the same. We request

you to re-refer this case to DFS, so that NOIP/BMS can pursue the matter at DFS.

4) In addition to the above, updation of pension, increased pension to 80+ seniors, Double the

family pension up to 67 years in respect of early death of pensioner, 50% of last drawn pay

as pension, full pension to those with 20 years or more service, consideration of ADO’s

period for gratuity and pension in respect of DOs, one time ex gratia to the left-over

pensioners of age 60 to 69 etc.

BMS delegation is likely to meet the FM in September 2024, for discussing pending issues of

BMS unions including those pertaining to LIC pensioners.

Hence, we appeal to you earnestly to refer/re-refer all the issues to DFS and oblige.

With thanks and regards,

Yours Sincerely,

 General Secretary

NOIP circular no 22 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 31-07-2024

Cir No 22/2024

Dr. Vivek Joshi,

Secretary (DFS),

Jeevan Deep Bldg,

Parliament Street,

New Delhi

Dear Sir,

Sub: Consideration of Training Period for the calculation of Pension and Gratuity in

respect of Development Officers of LIC of India.

With reference to the captioned matter, we would like to bring to your erudite self the following

points, for your kind information and necessary intervention-

✓ Despite our continuous follow up with the LIC officials at Central Office for more than 4

years, the vexed issue of consideration of training period spent by the retired

Development Officers prior to their absorption as a regular Class II officer, for the

purpose of terminal benefits, is not yet resolved.

✓ LIC has issued in the long past, various circulars, to consider the training period spent by

the Class I, III, IV employees, for computation of pension and gratuity etc.

✓ The step motherly attitude being exhibited by LIC in respect of Development Officers, is

not understandable and unfathomable.

✓ The Case reference is of Karnataka High Court, for granting of Gratuities to all class of

employees vide the case WA No. 993 of 2006, H. Ramappa & Ors Vs General Manager,

Sri Yellamma Cotton, Woolen and Silk Mills, Davangere Distt & Ors. The said judgment

avers that if an employee, after successful completion of Apprentice period, is absorbed

in the regular service without break in service, the period spent on Apprentice should be

considered, for all terminal benefits including gratuity.

✓ The same case is with our development officers. After completing Apprentice

Development Officers’ Training period (ADO period), in almost all cases (who satisfy

qualifying conditions), they are put on probation without break in service.

✓ Rule 20 of LIC of India (Employees’) Pension Rules, 1995, inter alia states unequivocally-

“Counting of period spent on training- period spent by an employee on training in the Corporation immediately before his appointment or re-deployment or re-appointment

shall count as qualifying service”.

✓ We reliably learn that, LIC had considered positively the above said HC’s judgment, way

back in 2011 and 2014 and had decided to consider the training period of all Classes of

employees from Class I to IV, as a qualifying service for computation of terminal

benefits. But, much to our chagrin, it was not applied to Development Officers, who

bring bread and oxygen to the LIC by way of New Business.

✓ This is done in clear violation of Article 14 of the Constitution of India.

As such, we implore upon you to intervene in the matter and advise the LIC management

suitably, to undo this gross injustice and oblige.

We anticipate your earliest positive response in the matter,

With thanks and regards,

Yours Sincerely,

General Secretary

NOIP circular no 21 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 30-07-2024

Cir No 21/2024

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re : MINIMUM PENSION.

At the outset we are thankful to the Personnel Dept, for coming out with revised CO Circular No:

342 on 25-07-2024 which sets the tone for refixation of Pension due to Wage Revision due

01-08-2022 and payment of arrears arising out of this action viz. Pension arrears, difference in

CV etc for those retired on or after 01-08-2022.

However, we would like to point out certain redundant clauses in the above Circular. We would

like to draw your kind attention to the Serial Numbers: 7, 8, 9 and 11 of the above referred Circular.

1. Serial number 7 and all other above quoted clauses in the circular deal with Minimum

Pension – historical as well as for the current WR.

Please find attached herewith the Statement on Minimum Pension for all Cadres giving the Stage

in the Scale upto which the benefit flows – since 11/1993 onwards till 8/2022 Wage Revisions.

You will notice that the Minimum Pension has eroded the stages in every Wage Revision, thereby

bringing down the number of eligible Pensioners and Family Pensioners under this clause.

The ADM cadre Officers lost the benefit of minimum pension in 8/1997 Wage Revision, the AO

Cadre Officers lost this benefit with 8/2007 Wage Revision, the AAO cadre Officers in 8/2012

Wage Revision. And now in 8/2022 Wage Revision, in one stroke all Employees right from

Sweeper onwards are deprived of this benefit.

2. In this regard we would like to draw your kind attention to our letter on the subject dated

07-10-2023 addressed to Sri Satpal Bhanooji, MD, after LIC issued Administrative

Instructions for implementation of Uniform 30% Family Pension to all. (copy of the same

is enclosed for your ready reference).

3. We feel the benefit of minimum Pension is lost due to unscientific way of fixation of

Minimum Pension after every Wage Revision.

4. After the present Wage Revision wef 01-08-2022, the minimum pension fixed is

Rs.5,420/-. The starting scale of Sweeper is Rs.29,585/-. Should there be an unfortunate

death of that employee the 30% Family Pension works out to Rs.8,876/-, so the Minimum

Pension of Rs.5,420/- becomes redundant. Although 50% F P is payable in this case,

for the sake of example only 30% FP is taken to show the redundancy of Minimum

pension fixed. So, the minimum pension fixed under serial number 11 is totally

untenable, which requires scientific re-fixation.

5. Now coming to the instructions under Serial number 8 & 9 as per DHC Judgement dtd

27-04-2017 to protect Minimum pension- The minimum pension in 2017 WR is Rs.4,070/-.

The DR on this Minimum Basic Pension as on 01-08-2022 = (4070x0.0008x526) = Rs.1712-

66. So, the Total F P works out to (4070-00 + 1712-66) = Rs.5,782-66. Hence NO BENEFIT

flows under DHC Judgement unless the MINIMUM PENSION is revised scientifically

upward. BOTH THESE INSTRUCTIONS IN THE CIRCULAR BECOME

REDUNDANT.

6. When not a single employee is eligible, on retirement, and no Family Pensioner is

eligible to get the benefit of Minimum Pension, all clauses dealing with this subject in

the above circular are of NO USE to anybody.

We therefore urge upon you to cause scientific re-fixation of Minimum Pension and oblige. Else

all the above instructions quoted under serial numbers 7, 8, 9 & 11 are REDUNDANT.

Thanking you in anticipation of doing justice to Minimum Pension receivers.

With thanks and regards,

Encls: As above and Statement of stages upto which minimum pension is available over a period

of W Rs.

Yours Sincerely,

 General Secretary 

NOIP circular no. 20 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 23-07-2024

 Cir No 20/2024

 BMS Foundation Day

Today, BMS entered the 70th fruitful year of its existence serving crores of workers. Full year up

to 23-07-2025, BMS has decided to celebrate with many special activities, coinciding with the

centenary year celebrations of the Rashtriya Swayamsevak Sangh (RSS).

BMS has taken up’ Panch Parivartan’ programme￾August 2024- Paryavaran

September- Kutumb Prabhodan

October- Samajik Samarasata

November- Nagarik Kartavya

December- Swadeshi.

In addition to the above, many more activities would be undertaken for the whole year.

Members of NOIP are requested to participate in the programmes of the Local/District/State

BMS of their respective area.

General Secretary

NOIP Circular no. 19 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030. 

 President: T.C. Gunesh Kumar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570 

 

Date: 09-07-2024

Cir No 19/2024

Shri. M. Jagannath,

Managing Director,

L I C of India, Central Office,

Yogakshema, MUMBAI

Dear Sir,

Re: Issues of LICAs

We are happy that the dynamic person like you hold the charge of Marketing Dept of our 

beloved institution and we are sanguine that the interest of the marketing force in LIC would be 

taken care of under your stewardship.

National Organisation of Insurance Pensioners (BMS) is a most vibrant union of the pensioners 

of LIC of India encompassing retirees from Cl I to IV. We are happy to share that more than 2000 

retired development officers (including retired SBAs) are the members of our union as on date.

Hundreds of our members are high producing LICAs in the entire country.

To deliberate on the issues confronting the retired development officers, NOIP conducted an 

exclusive national convention of our retired development officer members at AGRA on 

27-02-2024. It was resolved to take up the issues at corporate level for necessary redressal. Even 

after a lapse of 4 months after the convention, the issues remain unresolved. As a last resort we 

decided to approach you for your kind personal intervention in the matter. The issues are briefly 

enumerated here below￾A) Consideration of ADO (Apprentice Development Officer) period for computing terminal 

benefits such as Gratuity and Pension etc. NOIP has been following up with the Central 

Office in the last 4-5 years requesting to consider ADO’s period for computing terminal 

benefits. Though the letter was issued by the Personnel Dept of CO 10 years back, advising 

the ZOs to consider the ADO’s period for computing terminal benefits, majority of the 

operating offices have failed to implement the same. Though the matter pertains to the 

Personnel Dept, we appeal to you to use your good offices for issuing fresh instructions in 

this regard and oblige.

B) Issues of LICAs- 1) Exclusive space for LICAs in Branch premises- It is rather a sorry state of

affairs to note that LICAs are not provided exclusive space in the Branch premises to

conduct their business activities. We are informed that the CLIAs are also provided a space

in the Branches. We fail to understand as to why a step motherly attitude is shown to the

LICAs. You are aware that good chunk of LICAs are very high producers. It is rather painful to

note that LICAs have no space provided to sit and conduct their business activities. It is a

basic necessity and not a luxury. LIC being a business organization, it is expected to look into

this subtle aspect of denying the basic amenity.

We implore upon you to bestow your personal attention and arrange to issue necessary

instructions to ZMs for providing exclusive sitting space to LICAs in the Branch premises.

2) Business review for OMA purpose- It is learnt that business is being reviewed every

quarterly for OMA purpose rather than yearly. The rules are said to be very harsh that fail

the test of equity and fair play, thus denying the said benefit in majority of the cases. LICAS

have been requesting for yearly review of business for this purpose, so that they can be

rendered justice.

We urge upon you to reconsider the matter and arrange to issue instructions for yearly

review and oblige.

We fervently hope that necessary relief is bestowed on the retired development officers in

respect of A & B above.

With thanks and regards,

Yours Sincerely,

General Secretary

 (Ashok Joshi)