New CCMs for 2025-2028

 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: Prabir Kumar Mazumder Working President: Arvind Mittimani General Secretary: Rajiv Kumar Sharma

Mob No: 9330337430 Mob No: 9868878667 Mob No: 9811902770

Prabir.majumdar@gmail.com arvindmittimani@gmail.com rajivkumarsharma1558@gmail.com

Date: 12-03-2025

CC members for 2025-28

1) MUMBAI

Shri. Vinod Sawant - 82917 01956 - 1960vinods@gmail.com (LM. No. 2442).

2. Shri. Vinay Shirode - 98694 84339 - shirodevr@gmail.com (LM. No. 2707)

3. Sh. Suryakant Gawde - 98692 05864, suryakantgawade4864@gmail.com (OK. No. 8669)

4. Sh. Sachit Rege - 9820019440 - sachitrege@gmail.com (LM. No. 2153)

5. Sh. Mayur Dahani - 9821391391- dhanani_mayur@rediffmail.com (LM. No. 8576)

6. Ms. Smita Ghaisas - 9869613007 - ghaisassmita@gmail.com (LM. No. 6422)

7. Ms. Uma Ghanekar - 9819015041 - daduchiaai@gmail.com (LM. No. 2504)

8. Ms. Trupti Brahme - 9322198122 - truptikiranbramhe@gmail.com (LM No. 4409)

9. Ms. Shruti Shrotriya - 9870560592- shruti_lici@yahoo.com (LM No. 2397)

10. Ms. Sumitra Mane shruti_lici@yahoo.com (LM No. 1602)

11. Ms. Meena Bhalerao - 97570 78514 - bhaleraomeena54@gmail.com (LM No. 64)

12. Sh. Hariharan S. Iyer - 96641 99771 - hari7224@gmail.com (LM No. 8268)

 2) BENGALURU

1 Sri MAHANTHESH TALAGERI, 9449773346, mahantesh.talageri@gmail.com

2 Sri SHANKAR SHANBOUGH, 9481627763, bantwadyshankar2011@gmail.com

3 Smt SUMANA K, 9448707350, sumanakurya@gmail.com

4 Sri V CHANDRASHEKAR, 9164770210, chandralicshek@gmail.com

5 Sri BHUVANESHWAR ACHAR, acharap123@gmail.com

6 Smt SRILATHA, 9449002277, srilatha867@gmail.com

7 Smt SHANTHA, 7022127785, ks561959@gmail.com

3) PUNE

1 Shri.Prasad V.

 Inamdar

 9822875514

 Mail id

 pvilici@gmail.com

2 Smt.Pradnya

 P.Dharap

 9225853079

 Mail id

pradnyapdharap@

gmail.com

3 Shri.Nitin

 G.Golegaonkar

 9881204570

n.golegaonkar@

yahoo.com

4 Shri.Shashikant D

 Mankar

 9422228305

 Mail id

shashikantmankar1509@gmail.com

5 Shri.Shirish V

 Sathe 9850177003

 Mail id

shirishvsathe@gmail.com

4) KOLKATA

1) MUKESH DASGUPTA, 9830043192, mukesh_dasgupta@ yahoo. co.in (Continued)

2) BANKIM BEHARI MONDAL, 9477648722, bankimondal@ gmail.com

3) SHRI RABINDRA NATH DEY, 9831485477, rdey1162@gmail.com

4) SHRI UDAYAN CHAKRABARTI, 8017672410, udayansomething@ gmail.com

5) GOUTAM GHOSH, 9830261790, gautamghosh1963@ yahoo. com

6) SHRI MRIGANKA GHOSH, 8902379614, mghosh888@ gmail. Com

7) SHRI MADHU SUDAN CHATTERJEE,9830949163, madhusudanchatterjee590@gmail.com

 5) NASHIK

 1. shri. Satish Muralidhar Gade

No. 9373173173

mail ID

satish.gade@gmail.com

2. smt Rajani Ramchandra Tejale.

No. 9637438689

mail ID rajanitejale60@gmail.com

3. Mrs Anjali vilas Kulkarni

No 9921016007

mail ID anju10264@gmail.com

 4. shri.Suresh Sakharam Baviskar.

No. 9421540463.

mail ID

bsuresh22kar@gmail.com.

5. shri. Vijaykumar Jayasing Kosode.

No. 9422279929

vjkosode@gmail.com

6. shri.Pandurang R Biwalkar

No. 9420693300

mail ID pr.bivalkar@gmail.com

6) NAGPUR

1. Shri Girish K. Munje,

 Mobile no 9923056744

 e-mail gkmunje10@gmail.com

2) Smt. Madhuri Barve

 Mobile no 9850301152

email ,

madhuribarve16@gmail.com

3) Shri.Kishor V.Wankhede

 Mobile no 9765859061

E-mail

kvw.wankhede@gmail.com.

4) Vinay P Giridhar

Mobile 9423135379

E-mail

vpgiridhar0@gmail.com

Karimnagar Unit

Name LM Whatsapp no. Mail ID

P. Anil Kumar 1929 9440010687 Anilkumar.panchadar35@gmail.com

K. Raja Reddy 2724 9848164678 Rajareddy.keeni@gmail.com

Warangal Unit

P. Rajesham 1258 9849584014 p.rajesham517@gmail.com

K. Lingamurthy 4454 9440360206 komatilingamurthy@gmail.com

Vishakhapatnam Unit

M. Sathya Prasad 3248 9442462934 motamarrisatyaprasad@gmail.com

Machilipatnam Unit

K. Nageshwara Rao 1251 9440184052 kalisettinr@gmail.com

Metro area:

V.Rajendra Kumar 5395 9246541940 licrajendrakumar@gmail.com

Dilip Kumar Bhattacharjee 8351 9849641014 dilip57bhattacharjee@gmail.com

M. Rajeswar 8639 9849562945 rajeshwarmulampally64@gmail.com

K.H.Bhaskar Sarma 9116 8555825024 khb.sarma1964@gmail.com

12) DELHI

Name: Raj Kumar Dhiman

Whatsapp number: 9868537321

Email: rk.dhiman61@gmail.com

13) AGRA

1 Sushil Kumar sharma LM 5279

Mobile 9412167856

sk.sharma.lic02@gmail.com

2 Vijay Kumar LM 7450.

Mobile no 8218052833

vijaydelwar010@gmail.com

3 Avanesh Kumar tiwari LM 7275.

Mobile no 9412185464

avaneshtiwari7@gmail.com

4. Manoj Gandhi, 9412721043

14) DHARWAD

1) Sri D R Bahaddur desai

 Mob no 9480132521

 E-mail dattatreyabdesai@gmail.com

2) K T Murigendrappa

Mob no 9448133864

E-mail murigendrappakt@gmail.com

3) Sri M B Goudar

 Mob no 9448134346

E-mail m.goudar@ail.com

15) AMARAVATI

1) Ramesh R Mahamune mb: 9422962778

email id: rrmahamune@gmail.com

2) Govind khatri mb. 9158878666 email id. govindkhatrilic1959@gmail.com

3) Vilas Kale mb. 9422949924 email id. vilaskale2002@yahoo.co.in

4) Ramesh G Pande mb. 9420125434 email. id. ramesh.pande005@gmail.com

 16) SAMBHAJINAGAR

1) Shri S C Thakur Mail Id : thakursc@yahoo.com W/Up No. 992121399 2) Shri M R Naik Mail Id :

mrnaik1959@gmail.com W/Up No. 9403203208 3) Shri S B Kamble Mail Id : sbkbeed@gmail.com W/up

No. 8087746116

 17) BHUBANESHWAR

 1. Prashanta Kumar Nanda, 7978904084, prashant64lic@gmail.com 2.*Haribandhu Praharaj M

no.9437764201.,Mail id-praharaj.hb@g mail.com.

 18) GORAKHPUR

 CC Member Sri Ram Kumar Singh 9415359467 rksingh212781@gmail.com Sri Nabi Ahmad Khan 9415361844

ahmad.nabikhan@gmail.com

 19) BELAGAVI

 1) Sri G K Hodlur,

+91 9448029974

ghodlur@gmail.com

2) Sri S S Kulkarni,

+91 9448907559

kulkarni.s.sudhindra@gmail.com

3) Sri L B Kempalingannavar

+91 9741196546

kempalingannavarlb@gmail.com

20) GUWAHATI

 1) Shri Sujit Saha

94350 25928

sujitkumarsaha@gmail.com

2) Shri Mukut Das

9435010195

mukut1165@gmail.com

21) SATARA

 V R Joshi what's App no.9822196841 email ID vrjoshi777@gmail.com and Shri J R Patil what's App no.9673875492.

And email ID jrpatil6684@gmail.com

22) MYSURU

 1.C H Ramakanatha Shenoy .Mobile number 9448145766 mail Id:shenoy,ramakanth@ gmail.com 2.

N K Puttegowda mobile number 7349067922 mailId; puttegowdanklic@gmail.com

22) SHIVAMOGGA

 1.Sri.Yogish Pai

WhatsApp no.9844401693

Email id

myogishpai@gmail.com

2.Sri.K.Sangappa

WhatsApp no.9449962800

Email id

k.sangappa27@gmail.com

23) NANDED

 A)1. Bhagwan Raghoji. Ghodke.

2. Whats App No. 9421382586

3. e mail:- brghodke6@gmail.com

 //////////

B) 1. Anant Gunwantrao Karadkhedkar

2. Whats app No. 9422186936

3. email:- karadkhedkar95d@gmail.com

24) RAIPUR

 S D Jaulkar, sjaulkar@gmail.com

Mob—9827111477

25) CUTTACK

 Mr Ananta prasad Barik - Mobile No-9437182990, Mr. K. C. parida-Mobile no-9437163866.

 barik ananta 59@gmail.com,kishore chandra parida461@gmail.com

26) SURAT

 1) Smt. Jyotiben G. Chitnis. Mobile No. 9825120035, email id:jyotichitnis16@gmail.com

 2) C. C. Patel, Mobile No.9898099782, email id: ccpatel9782@gmail.com

27) JABALPUR

Vinay Gangakhedkar

S r no 203928

LM No 6640

email ID gangakhedkarvinay1110@gmail.com

Mobile No 9685180888

28) KOLHAPUR

 1) Shri J.A.Koli

9423282300 email ID

jaysingkoli0lic@gmail.com

2 Shri Mahesh R. Kulkarni ( Kokan area)

8149174257 email ID mnathkulkarni@gmail.com

29) UDUPI

 A Vasantha, 9740551496, vasantha.udp@gmail.com

30) KANPUR

 Awadhesh Kumar Pandey

Mobile No.:9919336929

E Mail:awadheshpandey128@gmail.com

31) LUCKNOW

1.Guru Sharan Lal Srivastava, (AO) LM-2508 9450958647 gsl.srivastava@gmail.com

2.Ashok Kumar Srivastava (Sr.BM) LM-3029 9415379005 aksrivastava2557@gmail.com

32) KOTTAYAM

 M. P. C Nair. 9497328408, nairmpc@gmail.com

33) JORHAT

 Debabrata Mahanta

debabratamahanta51@gmail.com.

9954047465.

34) MEERUT

 Ashok KumarAgarwal Mobile 9219391029 mail id ashok.agarwallife@gmail.com

35) RAICHUR

 Sharanayya Hiremath , for CC member

Mobile No. 9480163116

Email ID: sharanayyahiremath132@gmail.com

36) SILCHAR

 Subhash Chandra Majumder, Mobile No: 9436473624, email id: subhashlici57@gmail.com

37) GOA

1)SHRI SANTOSH U.PRABHUGAONKAR 9421151400

suprabhugaonkar23@gmail.com

2)SHRI VISHWAS RANGANATH NAIK 9423060572 vishwasnaik227@gmail.com

38) THIRUVANANTHAPURAM

 TG SUBHASH , 9447266966

 e-mail : tgsubhash6@gmail.com

39) BERHAMPUR

 Satyanarayan Singh

 Email:- snsinghdo@yahoo.com

 Mobile No.- 9437092365

40) VADODARA

 Krishnakant B Kanojia

 krishnakantkanojia@gmail.com

 81286 74997

41) VARANASI

 Dr.K K Singh, Mobile no.9415207363

 Email.kk220990@gmail.com

42) INDORE

43) ERNAKULAM

 Dr. JAYARAJAN

 Mobile 9447958885, drjayarajand@gmail.com

44) AYODHYA

 Vimal Kumar Tewari, 7355197150, 9453914235, vimalkumartiwari884@gmail.com

Though the above list was approved by the Secretariat, it could not be declared in the conference, because we

forgot in a hurry due to delayed proceedings by 90 minutes. We regret our lapse.

In addition to the above, President, Working President, Secretary of Divisional Unit, is eligible to attend all India

CC meetings as an invitee. Also, the faculties and members of 5 All India Committees (already published) are also

eligible to attend CCMs.

NOIP Circular No 7 - 2025

 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: 27-02-2025

Cir No 07/2025

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Huge recovery in terminal benefits of Ex-Servicemen consequent upon CO Circular Ref: CO/PER/ER￾A/147/2017 dtd. 08/01/2027.

We are perplexed, rather pained to note the contents of the captioned circular that has a devastating

effect on the ex-servicemen serving and retired as well, for so many wrong reasons depicted here below-

➢ Circular is dated 08-01-2017 but retrospectively sought to be implemented for those who are re￾employed in LIC on or after 01-01-2006. This is illogical, obnoxious, punitive and bad in law and

does not stand the scrutiny of any justifiable reasoning.

➢ This is taken on the dotted lines decided by the IBA for ex-servicemen re-employed in PSU banks.

➢ It is stated that the said circular is issued under the instructions of DFS! We are equally concerned

to know, as to how the DFS gave such instructions, blatantly violating all the norms of equity,

reasonableness and fairness. (we are separately taking up the issue with DFS through Bharatiya

Mazdoor Sangh).

➢ It is reported to us that in no banks, the so-called guidelines prepared by the IBA, are so far

implemented. This being the fact, why the LIC has jumped into the immediate action mode, by

calling for the excess amount to be remitted and by starting monthly recovery in salary of in￾service employees and lumpsum recovery from the terminal benefits in respect of those who have

since retired, after the issue of captioned circular.

➢ Retrospectively implementing the said circular and going back by almost 11 years, violates the

contract of employment and conditions thereof. Not only that, this is a big financial blow on the

ex-servicemen who have guarded the borders of our motherland. Really, this circular is in a very

bad taste and worth condemnation.

➢ We are dealing with one such case of our member Shri. Nikhil Chandra Sarkar, Retired Assistant,

S R No 356613 of Howrah Division, who has since retired and his terminal benefits are withheld

despite the stay granted by the Calcutta H C.

➢ Nikhil Chandra Sarkar is a co-petitioner in WPA 29350 of 2017 of Calcutta H C, which has given the

stay order for recovery. This Stay Order continues since 2017 on the impugned Circular of LICI not

only in Calcutta H. C. but in different High Courts of India, till date. The Hon'ble Supreme Court in

para 12 of the Order of a land mark judgement in the context of similar nature of more than 100

SLPs, have given Order on 18.12.2014, which is followed as Judicial Precedent in all the Courts of

India in similar nature of cases since then. Para 12 of the same specifies categorically, in which type of cases, financial recoveries from employees are Impermissible and Illegal and can't be done

at all. Nikhil Chandra Sarkar is fully covered under those clauses.

In view of the above facts and submissions, we implore upon you￾1) To withdraw the captioned circular forthwith,

2) If you are so insistent, fresh circular can be issued giving prospective effect on or after

08-01-2017.

3) To advise the SDM, Howrah Division to release all the terminal benefits in respect of Shri.

Nikhil Chandra Sarkar and also to advise accordingly all other operating offices, where such

cases have arisen.

We fervently hope that your erudite self would immediately issue necessary instructions and

oblige.

With thanks and regards,

 Yours Sincerely,

 General Secretary

 

NOIP Circular No 6 - 2025

 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: 04-02-2025

Cir No 6/2025

The Executive Director (Per),

LIC of India,

Central Office,

Yogakshema,

Mumbai

Dear Sir,

Re: Mediclaim/TPA related issues.

This is further to our letter dated 22.1.2025, suggesting improvements/additions in Group

MediClaim policy for the year 2025-26.

It has come to our knowledge that the meeting of all TPAs and NIA Ltd (our insurer) is scheduled

to be held in Mumbai on 7th February, to discuss the issues faced by the insured regarding claim

settlement etc. NOIP has been writing to you regarding various issues faced by our members

regarding claim settlement etc. It would have been proper to call our representative also to put

forth our views. We regret that, even the said information is not shared with us, the stake

holders, who are most concerned with the very topic. However, we deem it our bounden duty

to give our feedback, (though we were kept in darkness) keeping in view the service to 80000

pensioners.

We are now placing some important points about TPAs’ ACTION TURNING TO GRIEVANCE.

1. GIPSA PPN IS NOT APPLICABLE TO OUR MEDICLAIM POLICY. BUT TPAs PROCESS THE CLAIM AS

PER GIPSA PPN, RESULTING IN WRONG SETTLEMENTS.

2. TPAs provide GIPSA NON-MEDICAL LIST for Non-medical Items to their NETWORK HOSPITALS,

which is less favorable than our NON MEDICAL LIST, provided in ANNEXTURE II of master policy

conditions, resulting in recovery of excess amount under NON MEDICAL.

3. In case of Cashless Reimbursement in TPA's NETWORK HOSPITAL, prior approval is about 50%

of the claim amount. The hospital demands balance 50% from the insured. This defeats the very

object of CASHLESS TREATMENT FACILITY.

4. It is observed that TPAs’ MEDICAL TEAM is far less qualified than the treating doctor

(specialist or doctorate or highly qualified), and this results in the wrong settlement of claim. We

have come across several times that those doctors cannot even understand the nature of

disease and treatment. Many a times we talked to those doctors of TPA and arranged for

conference call with the treating doctors, for getting the claim settled.

5. The cost of all medicines prescribed at the time of discharge should be paid/reimbursed,

irrespective of the disease for which hospitalization was necessary.

6. For some patients, especially of cancer, each month claim would be preferred. Each month,

TPA asks for KYC documents. It should be stopped. Moreover, payment will be released by the

respective Divl office of LIC who have our KYC documents.

7. In many cases, settlement will be finalised deducting bills of medicines on the ground that

original bills not submitted. This harassment is experienced by many, though original bills were

submitted. After threatening by the claimant, TPAs made the payment.

8. Even when a cashless claim is passed, TPA asks for ID proof and e card for settlement of pre

and post hospitalisation claim, this is unwarranted, causes unnecessary delay. This is avoidable

and should be avoided.

9. Delay occurs from the TPA side for sanction of the remaining part of the bill in case of a

cashless claim. This causes a delay in discharge; this should be taken care of.

10. Claim of Family pensioners and super aged pensioners should be sympathetically

considered, delay to be avoided, unnecessary queries to be avoided; so as to avoid mental

harassment.

Sir, shortly discussions may start at your end with the New India Assurance company

Ltd/Insurers, for renewal of our MediClaim policy wef 01.04.2025. We vehemently appeal to you

to consider our above issues and discuss with the insurer/TPAs to achieve a zero grievance claim

settlement.

With thanks and regards,

 Your Sincerely,

General Secretary 

NOIP Circular No 5 - 2025

 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: 03-02-2025

Cir No 5/2025

Shri. Pankaj Chaudhary ji,

Honourable Minister of State for Finance,

North Block, New Delhi

Respected Sir,

Sub: Long pending issues of pensioners of L I C of India

At the outset, we extend our hearty greetings on your having adorned the important portfolio of

MOS, Finance and heading the financial sector, the back bone of Indian economy.

We, the hapless pensioners of LICI, look forward to you, seeking your immediate intervention to

resolve the decades long pending issues of ours. In a nut shell, the same are narrated here

below as bullet points-

➢ We are happy that the Modi Govt gave OROP to defence personnel; set to update the

pension of central govt pensioners as on 1-1-2026; notified the UPS (Unified Pension

Scheme) for 30 lakhs pensioners of GOI; updated pension of RBI pensioners/family

pensioners as on 2017 wage revision and learn that increased pension for EPF

pensioners is on the cards.

➢ But, unfortunately the pension of LIC pensioners/family pensioners is not updated since

the last 38 years, though ours is a funded scheme; since the entire contribution of PF by

employer has been forgone by the pension optees in LIC. This amount was transferred

to the LIC pension fund along with interest accruals thereon. Whereas for central govt

pensioners, pension is being paid, by debiting the consolidated fund of India.

➢ The joint delegation of insurance sector unions affiliated to BMS, met the FM Smt. Nirmala

Sitharaman ji on 10-10-2024 under the leadership of S/Shri. Surendran ji, Organising

Secretary, BMS & Girish Arya ji, Secretary and In Charge, financial sector unions of BMS.

The discussions lasted for about 80 minutes and the undersigned narrated in detail the

pension related issues pending for decades. Madam heard with all seriousness and gave

positive indications duly getting confirmed the details of issues with the Secretary, DFS,

Shri. M. Nagaraju, who was present throughout the meeting.

➢ As a follow-up action, Shri. Arya ji met Shri. M Nagaraju, Secretary, DFS on 21-10-2024 and

the latter confirmed that necessary instructions are passed down the line regarding the

issues raised with the FM.

➢ Again on 10-01-2025, Shri. Somesh Biswas, Dy In Charge, Insurance sector unions of BMS,

met the Joint Secretary, Insurance, Dr. Prashant Goyal for follow up and had a detailed

discussion. The latter informed that the issues are being looked into.

➢ After the meeting with the FM, the undersigned met the Joint Director/Under Secretary,

DFS on 4-5 occasions as a matter of follow up.

➢ In addition to the pension updation, the following issues are also pending for resolution.

➢ One more pension option to the left-over ex-servicemen and directly recruited

Superintending/Executive engineers and resigned employees (whose total number is in

hundreds).

➢ Increased pension to 80+ seniors.

➢ Double the family pension up to age 67 in case pensioner dies before age 67.

➢ Computation of pension at 50% of last pay drawn or 50% of last 10 months’ average pay,

whichever is favourable to the retiree.

➢ Full pension for service of 20 years or more.

➢ One time ex gratia to pensioners aged 60 to 69 (who were left over while granting the

same in May 2024).

➢ Reduction in commutation period to 10 years.

➢ Grant of NGI to the retiring employee if it falls due on the very next day of retirement.

(say after midnight on the last date of retirement).

➢ 100% DR (Dearness Relief) neutralization to the pre 8/97 retirees, as was granted to such

bank retirees, those who retired prior to 11/2002.

We have written to Joint Director, Insurance vide our letter dtd. 23-01-2025, giving justifications for our

demands, which is enclosed here with for your kind knowledge.

We request you to advise the Secretary, DFS to take immediate steps to resolve our issues without any

further loss of time.

We also request you to provide us an opportunity to meet you in person to explain the issues in detail.

We eagerly await to meet you, Sir.

With thanks and regards,

Encl: As above

Yours Sincerely,

General Secretary

NOIP Circular No 4 - 2025

 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: 23-01-2025

Cir No 4/2025

Smt. Neha Chauhan,

Joint Director (Insurance),

Department of Financial Services,

Jeevan Deep building,

Parliament Road, New Delhi.

Respected Madam,

Re : Pension Revision and allied matters in respect of pensioners of LIC of India

Madam, I was anxious to meet you personally and came thrice to your office. But to my ill luck, you were

out from office on various assignments. This is further to the meeting with you by our office bearers Shri.

Rajiv Sharma and Shri. Arvind Mittimani on the 21st instant. I here below give the details of pending issues,

which we have been following up with DFS since a decade.

The Pension Rules for LIC Employees were Notified on 28-06-1995 and were made effective from

01-11-1993 to those who have retired on or after 01-01-1986. These LICEPR, 1995 were based on the

then prevailing CCS Pension Rules, 1972 & CCS (Commutation of Pension Rules, 1983).

We would like to bring to your kind consideration the following few points expecting positive outcome at

the earliest.

I) PENSION REVISION WITH EVERY WAGE REVISION IN LIC :

Ever since the implementation of LIC Employees’ Pension, Rules 1995, the Basic Pension of the

Pensioner/Family pensioner has NOT UNDERGONE UPWARD REVISION even once in these 39 years.

Pension Revision is the need of the hour now, for the following reasons.

Justification i) The Pension Revision for Central Govt Pensioners came only with the

recommendations of V CPC submitted in 1997 and accepted by the Central Govt. So, with effect

from 01-01-1996 Revision in Pension was done for C G Pensioners by means of OM.

Justification ii) Since LICEPR, 1995 were based on CCS Pension Rules, 1972 and were notified prior

to the implementation of V CPC recommendations, provision for Pension Revision to LIC

Pensioners was not incorporated.

Justification iii) It is only in CCS Pension Rules, 2021 that provision for Pension Revision was

incorporated in the form of Rule 66.

Justification iv) LIC Pensioners are still in IV CPC mode, deprived of Revision for 39 years.

Justification v) The effect of this, is that a Pensioner retired prior to 31-07-1992 in Executive

Director cadre draws lesser pension than the present-day retiree Pensioner in Driver cadre. This is

the greatest anomaly on the earth and a great humiliation being suffered by the Super Senior

Pensioners.

Justification vi) In RBI, in 2019, their pensioners were given pension up dation as on 2012 wage

revision. And again in 2023, revision was made up to 2017 wage revision & both these pension

revisions were made applicable to family pensioners also.

Hence, there is an urgent need to revise the pension at the current wage revision level.

We are very much thankful to the present Govt, for enhancing the Family Pension to uniform 30% wef

11-09-2023. However, we appeal to you to Revise Family Pension also in the same proportion, when

Pension Revision is effected to Retiree Pensioners of LIC.

II) ONE MORE PENSION OPTION TO THE LEFT OUT EMPLOYEES:

We are very much grateful to Late Sri Arun Jaitley ji for giving OMOP (One More Pension Option) to LIC

employees in 2019. However, the following categories of Employees were left out in the option

notification. DFS notification did not allow them to exercise the option. All 3 categories put together; their

number is less than 200. Hence, they too may please be offered an option to join LIC Pension Scheme.

1. Directly Recruited Superintending and Executive Engineers:

Justification i) There are only about five directly recruited Superintending Engineers and Executive

Engineers (in single digit) who were recruited in 1996 or so.

Justification ii) Out of their sheer ignorance they opted for PF. They were denied the option to join

in 2019 notification.

Justification iii) They stand on the same footing as 28000 odd PF optees, who were given an

opportunity to join pension scheme. (because these 28000 employees also had opted PF in 1995

after the pension notification).

Justification iv) Total outlay is highly insignificant.

Justification v) LIC has already recommended this to DFS. Hence, please allow these engineers

(who are in single digit) to re-exercise option to join the Pension Scheme.

2. Ex-Servicemen joining LIC during 1996-97 :

Justification i) There are only about 80 such employees who belong to ex-servicemen category

who opted for PF.

Justification ii) There was a valid reason for them to opt for PF, as there was only ONE Family

Pension allowed for them that time. Either they were required to choose Military Family Pension

or LIC Family pension. Hence, they opted for PF in LIC.

Justification iii) However, this restriction was subsequently removed by Central Govt in 2013.

With this, the family of an Ex- serviceman will be eligible to get both Family Pensions.

Justification iv) Total outlay is highly insignificant.

Justification v) They too stand on the same footing as 28000 odd PF optees, who were given an

opportunity to join pension scheme. (because these 28000 employees also had opted PF in 1995

after the pension notification).

Justification vi) LIC has already recommended this to DFS.

Justification vii) Modiji, PM, has shown a lot of favour to ex-servicemen by offering OROP. These

people have guarded our borders during their defense services. A little favour to these

minuscule ex-servicemen of LIC would be a most welcome step.

Hence, they may please be allowed to opt for LIC Pension Scheme of 1995, now.

3. Resigned Employees: Justification i) There are less than 200 lady (majority) employees who opted for VRS for their

family commitments (not going to greener pasture) and who were PF Optees.

Justification ii) Though they have completed more than 20 years and up to 35 years of service,

their VRS was treated as resignation and not VRS, quoting Rule 19-§(2A) (a) of the LIC Staff Rules,

1960 and thus pension option was denied to them.

Justification iii) This is the most draconian Rule, which deprived them from getting Pension.

Because as per pension rules, one is permitted to opt for VRS if 20 years’ service is completed. For

your ready reference the Rule 19-§(2A) (a) is quoted below:

“Notwithstanding what is stated in sub-rules (1) and (2) above, an employee may be permitted to

retire at any time on completion of age 55 after giving three months’ notice in writing to the

appointing authority of his intention to retire.”

Justification iv) However, after introduction of LICEPR, 1995 one can opt for VRS after 20 years of

service without any age restriction.

So, this harsh & draconian Rule 19-§(2A) (a) should be deleted from LIC Staff Rules, 1960 and all

such Resignees be given One More Option to join LICEPR, 1995.

Justification v) There was a similar draconian provision in Bank Staff Rules also. Such resignees

were denied pension option in 2010. However, IBA allowed such employees who were treated as

Resignees to opt for Pension in the 12th BPS between IBA and UFBU in 2023 and as on date, it

stands implemented in all the Banks.

III) PENSION FIXATION ON LAST PAY DRAWN WHERE IT IS BENEFICIAL:

In LICEPR, 1995, on Retirement (whether superannuation/VRS) the Basic Pension gets fixed by taking into

account last 10 months’ average pay. This has led to a great anomaly in case of those who retire during

the wage revision period. For eg there was a wage revision in LIC effective from 1-8-2022. One who retires

in August 2022 to April 2023, comes under this anomaly. Suppose for the one who retires on 31-8-2022,

10 months’ counting back starts from August 2022 to November 2021. For August 2022, new revised basic

pay is taken. For other 9 months pre-revised old basic is counted with old DA for 9 months. Effectively, his

basic pension comes down, and over and above, reduced new DA rate is applied. Hence, after wage

revision, his gross pension will be reduced hugely.

Justification i) The 6th CPC recommended and GOI accepted to change the method of Pension

fixation at 50% of 10 months’ average OR 50% of last pay drawn, whichever is beneficial to the

retiring employee.

Justification ii) Even many State Governments too implemented this recommendation taking cue

from the 6th CPC.

Justification iii) Taking average of 10 months for fixation affects adversely – a) those who get their

Normal Grade Increment/Stagnation increment released within the last 10 months, b) those who

are placed on higher Scale (in lieu of Promotion) within the last 10 months etc.

Justification iv) LIC has recommended to DFS to grant both the options whichever is beneficial to

the retiring employee.

Hence, the Pension fixation be done on Last pay drawn OR last 10 months’ average, whichever is beneficial

to the employee.

ALL EARLIER CASES TO BE REOPENED AND PENSION BE REFIXED, EVEN THOUGH NO ARREARS ARE PAID.

IV) FULL PENSION (@50%) AFTER COMPLETION OF 20 YEARS OF SERVICE:

At present full Pension is payable on completion of 33 years of service. If service is less than 33 years, then

Pension is reduced proportionately.

This affects adversely the following categories of employees:

Justification i) Ex-Servicemen join LIC service at a higher age after retirement from Defense

service. So, they do not complete 33 years of service. Hence get proportionately lesser Pension.

Justification ii) Ex Emergency commissioned officers who join LIC, also cannot complete 33 years’

service. Neither they get pension from the Defense Dept nor their service in Defense services is

counted while fixing the pension in LIC. On both the counts they are losers.

Justification iii) The SC/ST/OBC persons join LIC service at a higher age, because of age

concession to them. They also do not complete 33 years of service. Hence get proportionately

lesser Pension.

Justification iv) Those who are directly recruited to higher cadres– like Chartered Accountants,

Engineers, Actuaries etc, do not complete 33 years of service. Hence suffer loss in monthly

pension.

Justification v) Development Officers recruited from Agent’s category also do not complete 33

years of service. Hence do not get full Pension.

Justification vi) The 6th CPC recommended and GOI accepted Full Pension ie 50% after completion

of 20 years of Service. Many State Govts followed the suit.

Justification vii) For Reserve Bank of India employees the period for getting Full Pension ie 50%

got reduced from 33 years to 20 years vide Circular dated 7th December 2012.

Hence, it is a dire necessity that LIC Pension Rules, 1995 be amended to give effect to Full Pension after

20 years of Service.

V) FAMILY PENSION at 50% TO FAMILY PENSIONERS UPTO AGE 67 YEARS:

Justification i) In 1995, the retirement age was 58 years. So, in case of the unfortunate death of

an Employee or Pensioner before age 65, the Family Pensioners were paid double the normal

family pension rate for 7 years OR till age 65 years whichever is earlier.

Justification ii) However, the retirement age got increased to 60 years on the recommendation of

5

th CPC and accepted by GOI and OM dated 30th May, 1998 was issued. The same was applicable

from 1st May, 1998. The GOI accepted recommendation of 5th CPC and vide OM ref: P&PW(E)

dated 02-02-1999, extended family Pension at 50% up to age 67 years.

Justification iii) LIC has recommended this to DFS for consideration.

In LIC the same would have been implemented in 1999 itself. But despite several attempts to get it done,

no positive result emerged.

At least now we hope, this would see the light of the day.

It is a different matter that at present in some cases Family Pension is paid at 50% for 10 years, where the

employee dies while in service.

VI) ADDITIONAL PENSION TO RETIREE PENSIONERS & FAMILY PENSIONERS AFTER ATTAINING AGE 80:

Justification i) The 6th CPC recommended and GOI accepted the recommendation of Additional

Pension to Retiree Pensioners and Family Pensioners at the rate of 20%, 30%, 40%, 50% and 100%

of Basic Pension on attaining the age of 80, 85, 90, 95 and 100 years respectively vide OM ref

38/37/08–P&PW(A) dated 02-09-2008.

Justification ii) Almost all State Govts also extended this benefit to their super senior pensioners.

Justification iii) LIC has already recommended this to DFS.

Even after lapse of 19 years, LIC Pensioners have been deprived of this benefit.

The reason given by 6th CPC for granting Additional Pension holds good in case of LIC Pensioners

as well.

Hence this benefit also be extended to LIC Pensioners.

VII) REDUCTION IN PERIOD FOR RECOVERY OF COMMUTATION AMOUNT:

The recovery period of Commutation Amount is 15 years, as per LICEPR, 1995. There is a need for

reduction in the term of recovery.

Justification i) This period was fixed when the interest rate was 12%. Now that the interest rates

have come down to 6 to 7%.

Justification ii) Mortality rate has come down and longevity of pensioner has increased. Thus, full

recovery of commuted portion is ensured.

Justification iii) Some of the State Governments like Gujarat etc have reduced the period from 15

years to13 years, on their own.

Justification iv) Many litigations are pending in various High Courts and stays/verdicts are coming

out in favour of the pensioners.

So, to avoid unnecessary and unproductive litigations, an Actuarial investigation may be caused by GOI

and suitable decision to reduce the Period of recovery of C V may please be taken at the earliest. For those

from whom full 180 months recovery has been made, the excess amount so recovered, may please

refunded to them.

VIII) GRANT OF INCREMENT DUE ON NEXT DAY OF RETIREMENT:

Justification i) The Supreme Court of India vide its Judgement in:

Director (ADMN) KPTCL vs C P Mundinamani, 2023 SCC Online SC 401,

it was held that Increment falling due on 1st JAN & 1st July should be released to the employee

although he has retired on 31st Dec OR 30th June and has completed 12 months of service.

This Judgement was implemented by GOI. Several WPs followed this. The GOI filed SLPs/ Review

Petitions etc. Finally, they issued an OM on 14-10-2024 accepting the SC Order and granting

Notional Increment and counting it for Pensionary Benefits.

Justification ii) The ratio laid down in the above Judgement of SC was made applicable in

Shailesh Tiwari vs SDM LIC of India and others (WP – 19950 – 2024). Mr. Tiwari retired on

30-06-2023 and judgement was passed to grant Increment due on 1st July and to refix the Pension

and pay arrears with 7% interest, by the High Court of Madhya Pradesh at Jabalpur.

Hence, it is imperative that the LIC of India also honours the above Judgements and releases Notional

Increments to all those whose Increment falls due on the next day after retirement. The Pension fixation to be reopened in all such cases and arrears to be paid.

IX) 100% DR neutralization to those who retired prior to 1-8-1997

Even now the truncated DR (Dearness Relief) is being paid to those pensioners retired prior to

1-8-1997 but not 100% neutralization.

Justification i) After plethora of cases in various Courts including SC, ultimately the case was

decided by the Delhi HC in 2017 and unfortunately the verdict gave a DR, which worked out to be

less than 100% neutralization, though the judge accepted the petitioner’s demand, but

erroneously fixed the rate of DR.

Justification ii) Similar issue was pending with the IBA and also in various Courts in respect of Bank

pensioners, who retired prior to 1-11-2002. At last, such Bank retirees got the full relief after the

IBA signed the minutes with the UFBU (United Forum of Bank Unions), wherein 100% DR

neutralization was granted to such retirees. This MOU was signed after bilateral discussions,

despite the fact that this issue was pending in various Courts. Hence, usual alibi that the matter

is sub judice, was given a go by. This MOU already stands implemented in Banks after the

approval of DFS.

Hence, we appeal to you to grant 100% DR neutralization to the pensioners who retired prior to 1-8-1997.

In view of the above justifications provided in respect of each issue, we implore upon you to provide the

desired succour and oblige.

With kind regards,

 Yours Sincerely,

 General Secretary

 (Ashok J. Joshi)

 

NOIP Circular No 3 - 2025

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: 22-01-2025

Cir No 3/2025

The Executive Director (Per),

LIC of India, Central Office, Yogakshema,

MUMBAI,

Dear Sir,

Re. Improvement/addition in Group MediClaim policy for the year 2025-26.

We wish you and all staff members a VERY HEALTHY AND HAPPY NEW YEAR.

We reiterate below some of our long pending demands regarding Group mediclaim

policy.

Shortly discussions may start at your end with the New India Assurance company Ltd.,

for renewal of the Policy wef 01.04.2025. Hence, we felt it appropriate to place our

reminder request for your kind consideration and taking up with NIA.

1. One-time option for inclusion in the policy for all left out cases including parents and

parents-in-law (for what so ever reason); to give one more option to VRS optees; and

also, to include son in law and daughter in law (as is allowed for GIPSA retirees).

2. ADD ON COVERES:

a. Reimbursement of OPD TREATMENT. Retirees and pensioners may be allowed

OPD EXPENSES.

Else, a separate policy for OPD may be chalked out as in the case of RBI Pensioners.

b. Hospital cash benefits of 1% of S.A., for a maximum of 30 days, as available in

general insurance mediclaim policy.

c. Preventive health checkup benefit, every year. This will reduce claims.

3. Increase basic Floater Sum Insured from 10 lac and 15lac to 15 lac and 20 lac with

100% contribution from LIC.

Increase Optional Total Sum Insured 75 lac to One Crore, with an option to insured

member/family Pensioner, to reduce the sum assured from the next annual renewal

date.

4. Coverages:

a. Room rent should be based on S.A, since the insured pays the same premium irrespective of his place of stay (whether Metro/City/Village).

For other than A class metro cities, the room rent limit has not at all increased for a long

time. This needs to go up.

We suggest Rs.12,500/- room rent per day up to 30 Lacs and Rs.15,000/- for 40 Lacs

and above Sum Assured.

b. Presently, NURSING CHARGES are also included in the Room rent. The same

should be reimbursed separately (not as a part of room rent).

c. If one gets admitted in a room with higher rent than eligibility, then all other charges,

except medicine and implants - are reduced proportionately. Our request is, in such

cases, room rent should be reduced proportionately, and all other charges are paid in

full.

5. Please delete " *However the following expenses are not payable” mentioned on the

page no.4, clause 7 a, b, and c as most of the items mentioned are payable as per the

annexture II (item no.75,76,134,84,96,102,155,12, 78, 45, 56 91,23, 87, 104, 189, 78,

12,91,23,135,15,149,58,150,198), some items are used by doctors for diagnosis and

Ambulatory devices that are very much part of the treatment as advised by treating

doctor. They are not used for personal comfort. Hence, unless this part is deleted, it will

create contradiction and confusion, which leads to the wrong settlement of claim.

We also request you to overhaul the annexture II and allow more items as payable.

Item no129 Mortuary charges be increased from 24 hours to 48 hours.

6. Pre - and post hospitalization Medical expenses be allowed 60/120 days.

7. In the case of Renal Failure, Organ Transplantation and Cancer related ailments,

post hospitalization limit of 60 days is waived. We propose more life-threatening

diseases, such as Open Heart Surgery, brain, and central nervous system related

diseases, osteoporosis, spine, Veno plasty surgeries, Diabetes and the cost of Botex

injection may be included in the above list.

In the master policy, certain Cancer like treatment, post 60 days hospitalization

conditions are waived. TPA is disallowing the cost of Medicines NOT pertaining to

Cancer like drugs such as DM and HTN. These used to get reimbursed earlier.

We demand that all medicines prescribed at the time of discharge should be

reimbursed.

Chairman's relief fund exists for in service Employees. A similar fund may be created for

pensioners. In a few cases, TPA denies claim amount in total or in part. If this amount

exceeds Rs 1000, this may be reimbursed from this Fund. The maximum limit can be

fixed as per the pensioner family floater.

For some age-related problems like Alzheimer/Paralysis/Fracture/Accident, it becomes

difficult to take care of patients at home even after keeping a full-time attendant. In such

cases, the patient is kept in Day Care Centre or Asylum. The charges of such a centre

may be reimbursed on a monthly basis.

8. Cashless reimbursement through TPA.

TPA should give total cashless reimbursement, and hospitals should not be allowed to

receive any amount from Insured.

Whenever the General Insurance Council (GIC) in consultation with general and health

Insurance companies has launched CASHLESS EVERYWHERE initiative to extend the

cashless treatment at all Hospitals, our Insurer NIA should also implement the same

through the TPAs available.

In that case, we propose for abolishing or suitably modifying clause 4(a) of Policy

condition at page 14.

TPA should arrange 24×7 hours service, and their NETWORK HOSPITALS be set up

to Taluka level in the entire country.

They should settle the final bill very fast within two hours at the time of discharge of

patient and also not ask lump sum deposit amount during non-working hours/days.

Where Cashless facility is not available due to non-Empanelment in Reputed Hospitals

– (Like TATA CANCER HOSPITAL etc in Kolkata)- LIC should come forward to

advance money to the hospital on behalf of insured/Claimant and the same can be

recovered while settling the bill. This is because the treatment of cancer is costly and

reputed organisation like TATA CANCER Hospital doesn’t like to be empanelled.

9.All Zonal TPAs should coordinate among each other and provide their network

hospitals for treatment of insured members of other OTHER ZONES on a cashless

basis.

10. Examination relating to diagnostic tests without hospitalization:

The list should be more comprehensive, and the cost of the tests mentioned in the list

will become increased by at least 25%. Include sleep apnea, VTR WITH MVO/SUC test,

allergy reports, stress Thallium test, and more diagnostic tests; and conditions may be

liberalized. We propose all tests which cost Rs.1000/- or more to be reimbursed along

with doctor’s fees. MD DOCTORS ARE NOT AVAILABLE IN RURAL/REMOTE

CENTERS or at the time of emergency situations. Hence conditions

may be relaxed, and MBBS DOCTORS be allowed to prescribe for the above tests.

11. Sub-limit Clause:

a. The present limit of cataract operations is Rs.70,000/- per eye, which is not

reasonable. Limit should be removed and reimburse full cost of treatment and cost of

spectacles.

b. AYUSH:

As per government policy, Ayush treatment is to be promoted, and our insured

members are very much inclined to it. IRDA vide Circular

IRDA/HLT/CIR/GDL31/01/2024 has clearly stated to consider AYUSH treatment at par

with other treatments w.e.f 1.4.2024. As such, we request to remove restriction of

reimbursement of 25% of sum insured and TPAs be advised to act as per the IRDA

GUIDELINES and enrol more and more network hospitals for Ayurvedic and

Homoepathy treatment and allow cashless facilities. Treatments like Shirodhara, Steam

bath, and Panchakarma should be allowed.

c. Ambulance charges be revised upward, and restrictions are removed. Ambulance

charges from hospital to home be allowed.

d. Age Related Macular Degeneration (ARMD) and treatment for retinal diseases by

intravitreal/intra occular injection/intervention are admissible only up to 1 lakh per

member per eye per year, which is very insufficient. Our members are facing hardship because of the ceiling. The ceiling limit is to be removed, and the actual amount be

reimbursed.

e. Psychiatric and psychometric disorders are payable up to a limit of Rs.50000/-. This

limit may be removed, and pre and post 30/ 60-day treatment charges may also be

reimbursed.

f. In case of domiciliary hospitalization or where the condition of the patient after

discharge from the hospital is such that he/she needs the services of unqualified

domestic aid/qualified nurse, full reimbursement be provided for the same for both

qualified nurses or unqualified domestic aid, as the case may be.

g. Pre and post hospitalization Physiotherapy limit of 40,000 be removed and limit of

30/60 days pre and post hospitalization expenses be waived, allow physiotherapy

treatment at home for all such patients as per the advice of treating Doctor.

12. MATERNITY EXPENSES BENEFITS: Normal and caesarean delivery benefit cap

be removed, and expenses other than hospitalization also be reimbursed.

13. EXCLUSION CLAUSE, list contains 26 items, this should be overhauled to reduce

as much as possible. Vaccination and Inoculations expenses be reimbursed.

a. Reimbursement of all types of dental treatment and costs of dentures, root canal

treatment be reimbursed.

b. Now, HCPT reimbursement is allowed for treatments taken outside India for in￾service employees. Many retirees/pensioners visit foreign country (as their siblings are

in a foreign country). Reimbursement of expenses incurred in hospitalization treatment

out of India should be included in the policy (removed from exclusions).

c. PRP (Platelet Rich Therapy)- This is less expensive and less painful compared to

joint replacement surgery, same should be included for reimbursement in lieu of joint

replacement.

d. Robotic surgery should be allowed wherever this facility is opted by a treating doctor.

e. Cost of hearing aids be allowed.

14. General:

a. Senior citizens be given preferential treatment by TPA AND NIA.

b. Insisting for KYC for each and every claim, should be dispensed with. (Since all

claims are processed through D.O.)

c. Submission of Claim form online and claim documents be allowed online through soft

(scanned) copies, instead of submitting hard copies in the OS dept., because senior

citizens cannot be expected to be mobile.

d. PPN must not be made applicable by NIA for LIC policy holders/members under our

MediClaim policy.

e. A and B class cities for mediclaim purpose should be on the basis of CCA cities as

applicable in LIC.

f. More diseases are included, such as sebaceous cyst surgery, in Annexture III, where

24-hour hospitalization is not mandatory.

g. Option to join the scheme be given to all i) resignees, ii) to those who resigned on

health grounds, irrespective of their date of retirement (the cutoff date prescribed is

16-1-2018).

We vehemently appeal to you to consider our suggestions/improvements and call

NOIP delegation for discussions, at the time of negotiations with New India Assurance Company Ltd., for the year 2025-26.

With thanks and regards,

Yours sincerely,

General Secretary

 

NOIP Circular No. 2 - 2025

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: 22-01-2025

Cir No 2/2025

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Pending pension related and other issues.

This is an addendum (point No 10) to our earlier letter dtd 19-1-2025. This important aspect had missed

our attention though we have already written to you about this issue vide our letters dtd. 3-9-2023 and

17-12-2023.

We have been demanding 100% DR neutralization to the retirees, who have retired prior to 01-08-1997.

After plethora of cases in various Courts, ultimately the case was decided by the Delhi HC in 2017 and

unfortunately the verdict gave a DR, which worked out to be less than 100% neutralization.

Similar issue was pending with the IBA and also in various Courts in respect of Bank pensioners, who

retired prior to 1-11-2002. At last, such Bank retirees got the full relief after the IBA signed the minutes

with the UFBU (United Forum of Bank Unions), wherein 100% DR neutralization was granted to such

retirees. This MOU was signed after bilateral discussions, despite the fact that this issue is pending in

various Courts. Hence, usual alibi that the matter is sub judice, was given a go by. This MOU already stands

implemented in Banks after the approval of DFS.

Hence, we appeal to you to take a magnanimous view and recommend to the DFS for grant of 100% DR

neutralization to the pre 8/97 retirees and oblige.

Since the number of such retirees is minuscule, the financial liability on the Corporation would be quite

negligible.

An immediate action in the matter would be highly appreciated.

With thanks and regards,

 Yours Sincerely,

 General Secretary