What is differances between EPF,GPF and PPE ?

EPF / GPF / PPF

EPF- Employees Provident Fund
GPF - General Pension Fund
PPF - Public Provident Fund

GPF - General Provident Fund which is for the Government Employees
PPF - Individuals can save to a maximum of Rs.70000/- in a year in the account. Account can be maintained in a Post Office.
EPF - Employees Provident Fund for Private sector where 12% of Employees share and 12 % of Employer's share of Basic Salary + DA is deducted and remitted to PF Authorities

PF vs PPF: What's the difference ?

1. What is PPF and PF?
EPF/ PF (Employees Provident Fund / Provident Fund)

The Employee Provident Fund, or provident fund as it is normally referred to, is a retirement benefit scheme that is available to salaried employees.

Under this scheme, a stipulated amount (currently 12%) is deducted from the employee's salary and contributed towards the fund. This amount is decided by the government.

The employer also contributes an equal amount to the fund.

However, an employee can contribute more than the stipulated amount if the scheme allows for it. So, let's say the employee decides 15% must be deducted towards the EPF. In this case, the employer is not obligated to pay any contribution over and above the amount as stipulated, which is 12%.

PPF (Public Provident Fund)

The Public Provident Fund has been established by the central government. You can voluntarily decide to open one. You need not be a salaried individual, you could be a consultant, a freelancer or even working on a contract basis. You can also open this account if you are not earning.

Any individual can open a PPF account in any nationalised bank or its branches that handle PPF accounts. You can also open it at the head post office or certain select post offices.

The minimum amount to be deposited in this account is Rs 500 per year. The maximum amount you can deposit every year is Rs 70,000.

2. What is the return on this investment?

EPF: 8.5% per annum

PPF: 8% per annum

3. How long is the money blocked?

EPF

The amount accumulated in the PF is paid at the time of retirement or resignation. Or, it can be transferred from one company to the other if one changes jobs.

In case of the death of the employee, the accumulated balance is paid to the legal heir.

PPF

The accumulated sum is repayable after 15 years.

The entire balance can be withdrawn on maturity, that is, after 15 years of the close of the financial year in which you opened the account.

It can be extended for a period of five years after that. During these five years, you earn the rate of interest and can also make fresh deposits.

Save tax and get rich

4. What is the tax impact?

EPF

The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.

If you have worked continuously for a period of five years, the withdrawal of PF is not taxed.

If you have not worked for at least five years, but the PF has been transferred to the new employer, then too it is not taxed.

The tenure of employment with the new employer is included in computing the total of five years.

If you withdraw it before completion of five years, it is taxed.

But if your employment is terminated due to ill-health, the PF withdrawal is not taxed.

PPF

The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.

On maturity, you pay absolutely no tax.

5. What if you need the money?

EPF

If you urgently need the money, you can take a loan on your PF.

You can also make a premature withdrawal on the condition that you are withdrawing the money for your daughter's wedding (not son or not even yours) or you are buying a home.

To find out the details, you will have to talk to your employer and then get in touch with the EPF office (your employer will help you out with this).

PPF

You can take a loan on the PPF from the third year of opening your account to the sixth year. So, if the account is opened during the financial year 1997-98, the first loan can be taken during financial year 1999-2000 (the financial year is from April 1 to March 31).

The loan amount will be up to a maximum of 25% of the balance in your account at the end of the first financial year. In this case, it will be March 31, 1998.

You can make withdrawals during any one year from the sixth year. You are allowed to withdraw 50% of the balance at the end of the fourth year, preceding the year in which the amount is withdrawn or the end of the preceding year whichever is lower.

For example, if the account was opened in 1993-94 and the first withdrawal was made during 1999-2000, the amount you can withdraw is limited to 50% of the balance as on March 31, 1996, or March 31, 1999, whichever is lower.

If the account extended beyond 15 years, partial withdrawal -- up to 60% of the balance you have at the end of the 15 year period -- is allowed.

Courtesy : rediff.com & CENTRAL GOVERNMENT EMPLOYEES NEW

List of Holidays during the year2011for Central Goverment Employees

The Text of OM No. 12/3/2011-JCA 2 dated 27-6-2011 is reproduced below :

F.No.12/3/2011-JCA-2
Government of India
Ministry of Personnel, Public Grievances and Pensions
(Department of Personnel and Training)North Block, New Delhi
Dated the 27th June, 2011

Subject: Holidays to be observed In Central Government Offices during the year 2012.

It has been decided that the holidays as specified in the Annexure —I to this O.M. will be observed in all the Administrative Offices of the Central Government located at Delhi/New Delhi during the year 2012.
In addition, each employee will also be allowed to avail himself/herself of any two holidays to be chosen by him/her out of the list of Restricted Holidays in Annexure — II.

2. Central Government Administrative Offices located outside Delhi / New Delhi shall observe the following holidays compulsorily in addition to three holidays as per para 3.1 below:
1. REPUBLIC DAY
2. INDEPENDENCE DAY
3. MAHATMA GANDHI’S BIRTHDAY
4. BUDHA PURNIMA
5. CHRISTMAS DAY
6. DUSSEHRA (VIJAY DASHMI)
7. DIWALI (DEEPAVALI)
8. GOOD FRIDAY
9. GURU NANAK’S BIRTHDAY
10.IDU’L FITR
11.IDU’L ZUHA
12.MAHAVIR JAYANTI
13.MUHARRAM
14.PROPHET MOHAMMAD’S BIRTHDAY (ID-E-MILAD)

3.1. In addition to the above 14 Compulsory holidays mentioned in para 2, three holidays shall be decided from the list indicated below by the Central Government Employees Welfare Coordination Committee in the State Capitals, if necessary, in consultation with Coordination Committees at other places in the State. The finai list applicable uniformly to all Central Government offices within the concerned State shall be notified after seeking prior approval of this Ministry and no change can be carried out thereafter. It is also clarified that no change is permissible in regard to festivals and dates as indicated.

1. AN ADDITIONAL DAY FOR DUSSEHRA
2. HOLI
3. JANAMASHTAMI (VAISHNAVI)
4. RAM NAVAMI
5. MAHA SHWRATRI
6. GANESH CHATURTHI / VINAYAK CHATURTHI
7. MAKAR SANKARANTI
8. RATH YATRA
9. ONAM
10. PONGAL
11. SRI PANCHAMI / BASANTA PANCHAMI
12. VISHU / VAISAKHI / VAISAKHADI / BHAG BIHU / MASHADI UGADI / CHAITRA SAKLADI / CHETI CHAND / GUDI PADA 1st NAVRATRA / NAURAJ/CHHATH POOJA/KARVA CHAUTH.

3.2 No substitute holiday should be allowed if any of the festival holidays initially declared subsequently happens to fall on a weekly off or any other non working day or in the event of more than one festivals falling on the same day.

4. The list of Restricted Holidays appended to this O.M. is meant for Central Government Offices located in Delhi / New Delhi. The Coordination Committees at the State Capitals may draw up separate list of Restricted Holidays keeping in view the occasions of local importance but the 9 occasions left over, after choosing the 3 variable holidays in para 3.1 above, are to be included in the list of restricted holidays.

5.1 For offices in Delhi / New Delhi, any change in the date of holidays in respect of Idu’l Fitr, Edu’l Zuha, Muharram and Id-e-Milad, if necessary, depending upon sighting of the Moon, would be declared by the Ministry of Personnel, Public Grievances and Pensions after ascertaining the position from the Govt. of NCT of Delhi.

5.2 For offices outside Delhi / New Delhi, the Central Government Employees Welfare Coordination Committees at the State Capitals are authorised to change the date of holiday, if necessary, based on the decision of the concerned State Governments / Union Territories, in respect of ldu’l Fitr, Idu’l Zuha, Muharram and ld-e-Milad.

5.3 It may happen that the change of date of the above occasions has to be declared at a very short notice. In such a situation, announcement could be made through T.V. / A.I.R. / Newspapers and the Heads of Department / Offices of the Central Government may take action according to such an announcement without waiting for a formal order, about the change of date.

6. During 2012, Diwali (Deepavali) falls on Tuesday, November 13, 2012 (Kartika 22). In certain States, the practice is to celebrate the occasion a day in advance, i.e., on ‘Narakachaturdasi Day”. In view of this, there is no objection if holiday on account of Deepavali is observed on "Naraka Chaturdasi Day (in place of Deepavali Day) for the Central Government Offices in a State if in that State that day alone is declared as a compulsory holiday for Diwali for the offices of the State Government.

7. Central Government Organisations which include industrial, commercial and trading establishments would observe upto 16 holidays in a year including three national holidays viz. Republic Day, Independence Day and Mahatma Gandhi’s birthday, as compulsory holidays. The remaining holidays / occasions may be determined by such establishments / organisations themselves for the year 2012, subject to para 3.2 above.

8. Union Territory Administrations shall decide the list of holidays in terms of Ministry of Home Affairs letter No.14046/27/83- GP-I dated 15.2.1984 by which they would observe a total of 16 holidays including the three National Holidays Viz. Republic Day, Independence Day & Mahatma Gandhi’s birthday.

9. in respect of Indian Missions abroad, the number of holidays may be notified in accordance with the instructions contained in this Department’s O.M. No.12/5/2002-JCA dated 17th December, 2002. In other words; they will have the option to select 10(Ten) holidays of their own only after including in the list, three National Holidays and Milad-un-Nabi or Id-E-Milad, Buddha Purnima, Idu’l Zuha (Bakrid) and Muharram included in the list of compulsory holidays and falling on days of weekly off.

10. In respect of Banks, the holidays shall be regulated in terms of the extant instructions issued by the Department of Financial Services, Ministry of Finance.

11. Hindi version will follow.

sd/-
(DINESH KAPILA)
Director (JCA

Source : GConnect

Download Original Order

05-07--2011 Strike Deferred

Gist of settlement & Charter of Demands

Orders on the Charter of Demands

Click here for Gist of Discussion

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Model Questions for IPO Examination-FHB Part 1 Question No 67-86

Q67 The amount received on account of premium of PLI , repayment of loan should be accounted under ---------------------- head a. PLI Annuity Fund b. Postal Insurance and Life Annuity Fund Receipts c. PLI receipts account

Q68 The financial Powers delegated by the President of India to Various officers of the department is called as a. Rules of financial power b. Schedule of financial Powers c. None of these

Q69 What is mentioned in rules 42-A , General Financial Rules ? a. Creation of Temporary Posts b. Retrospective Sanction for revision of Pay and grant of Concessions c. Lapse of Sanction

Q70 The appointing authority can create posts on the basis of anticipation The above said action a. incorrect b. Correct

Q71 Government promissory notes received for safe Custody must record at -------------- in a register in Form Sec 19 a. Once b. Twice c Once in a month

Q72 Security deposits of Government Servants are --------------- from commission a. not exempted b. exempted

Q73 Fidelity bond in form GPR -34 has been accepted from a. Public b Government Servants c. Both

Q74 What is the purpose of Preparation of Form ACG 69 ? a. Register of all Assets b. Register of Land and building c. Register of expenditure

Q75 What is the purpose of preparation of correction slip and when it will prepared ? a. record revenue and capital , Quarterly b intimation of addition /modification of land and building to circle office , end of the year c record the asset details , monthly preparation

Q76 When will Pre Audit of Estimates is applicable a . on estimates of work of Government department executed through Civil wing b . The amount incurred for work is very high c Both cases

Q77 While making the payment of amount which is due for civil work to government agencies , the full amount can be paid The above statement is a. True b. False c. Subject condition and considering the circumstance , the advance payment of full amount shall be drawn

Q78 When will stop the recovery of GPF concerned the official due to retire on superannuation ? a. One month before retirement b. Two month before retirement c. Three month before retirement

Q79 Recovery of Cooperative Society Dues are mentioned in a. Rule 561 of FHB 1 b Rule 559 of FHB I c. None of these

Q80 From the following official records which have more preservation period a. Cash Books b. Arrear Claims c. Service Books ( 10 years )

Q81 What is the preservation period of Pay Bill Register ? a. 10 years b . 20 Years c. 35 years

Q82 From the following records , which record is permanent One ? a. Service Book b. Stock Book c. Register of particulars of accounts records destroyed

Q83 From the following records special sanction is needed for destruction from Head of circle a. Bill Register b. Memo of Disbursement c. Sub Office Saving Bank Journal

Q84 When subscriber dies while in service and nominee is minor Then who will collect due amount from GPF ? a. minor b natural guardian of minor c None of these

Q85 The Procurement officer is belong from ------------ department a. Central Purchase organization b. Telecom department b Postal Department

Q86 The Term FRAC is related with ----------------- a. Rent assessment of PO building b. Maintenance of departmental Building c. Audit department

Prepared by : S. Jayachandran , SA , Divisional Office , Mavelikara -690101 Mobile : 9961464279 http://nfpemavelikaradivision.blogspot.com

Email to SMS FAQ's

What is e-mail?

Email is an abbreviated form of electronic mail. Email is usually sent from a computer to another computer via Internet (over world wide web/www). Email users can send text, pictures, sound or videos to each other using this service. Using some high End mobiles or Blackberry activated with GPRS users can also send/receive emails on/from their Mobiles.

What is SMS?

SMS stands for Short Messaging Service. It is the technology that enables the sending and receiving of text between mobiles. It can hold data up to 160 characters if 7-bit character encoding is used (Latin characters like English) or 70 characters if 16-bit Unicode USC2 character encoding is used (Non Latin characters like Chinese, Hindi etc). Today 100% GSM (Global System for Mobile Communication) mobiles and CDMA (Code Division Multiple Access) mobiles support SMS services.

What does Pocket mail do?

Pocket Mail makes it possible for you to receive your mails on your mobile as SMS. It is also used for sending our mail through mobile without use of GPRS.

Do I need GPRS to avail this facility?

There is no need of GPRS, because it is fully SMS based service.

Do I need to have a high end handset to avail this facility?

There is no need of high end mobile handset because it is completely sms based service. So the handset which is able to receive sms (CDMA/GSM) is sufficient for this service (100% handset is capable for avail this service).

Will I receive SPAM via this service?

NO, you will receive mail account’s inbox messages only.

What I need to do when I receive any email?

It is similar as you get your SMS on your mobile. You can read it as sms.

What I need to do when I want to send an email?

You compose the mail in the format of abc@example.com [text message] and send it to short code (BSNL 5 digit short code) 56688.

What if I receive a long email?

In the case of long email, you will receive single long SMS each having multiple of 160 characters of mail only.

What if I get any attachment or Pictures in my email?

Since the service is completely based on sms, you will not be able to receive any attachment or picture. You may receive the information that you have received any attachment in your Email.

Where do I need to register for availing this facility?

Send “subemail” to 56688 to register for this service.

How can I configure my email?

Configuration of email through Pocket mail is one time forward setting which set by user from his/her mail account setting .

What if I have more than one email ids?

At one time you can register for one email Id only. If you wish to register for other email Ids then you have to register them separately.

What if I want to receive certain particular email on my mobile?

There is a facility of mail filter where you can choose only those email ids from which you want to receive email.

What if I relocate?

You are also in the mode of receiving SMS, so you can receive mail on your mobile number.

After signing up, what could be the reason if I don’t start receiving my email on my mobile?

Only your account has been expired because of non payment.

G link-Send mails through Gmail

Glink is the tool created by Shivram, SA for sending email with or w/o attachment directly without accessing gmail site.With lot of limitations,this tool may find useful to you in your office/personal use.



This tool contains :1.Glink exe and 2. Contacts.ini file.Copy both these files to your PC and create a shortcut for Glink to the Desktop.Edit the Contacts.ini file as per your need. Do not add "@gmail.com" suffix to any ids.You can add up to 30 email ids.The Sender name in the ini file must be your name.You can however change the name when using the exe.Contacts.ini file

In the Login screen, type your gmail id. Press Enter. Please note that the ID should not contain@gmail.com. Then type the Password of your google ID. Press Enter or click Sign in. If you do not continue, you can click exit which closes the application.In the next Window,the name of the Sender will appear as per the configuration done in Contacts.ini.You can change here itself if desired. Select the to ID. You can also type any id here.Mention the Subject.Attachment is not mandatory.If attachment is there, then click Browse button.Select the required file. Any file permissible by Google can be attached. Click Send button. If all the inputs are correct, Message will be sent. When the "Message sent" message appears, click OK. Now you can send the same message to other IDs also simply selecting the ID and clicking Send button.

Click the below button to download Glink.

How to Setup Netgear or Any Wirless Router Network

Modern communication relies heavily on Wireless Networking and it is therefore gaining popularity for Home and Business Networking. Wireless Networking offers the advantage of mobility and eliminates the use of cables. Computers at home or in a small office can easily be connected through Wireless Networking.

Setting up a secured network through a Netgear or any Router will keep your data free from spying and avert entry of any uninvited user into your network. You will have to follow certain guidelines to set up a Secured Wireless Network that will be provided either through Wireless Protected Array (WPA) or Wireless Encryption Protocol (WEP).

GUIDELINES

Connect to Modem

Power off your modem.

Connect one end of the Ethernet Cable to the ‘input’, marked at the backside of the router and other end to the modem.

Power Modem back on.

Generally it is a good rule to wait at least a minute before continuing to the next step.

Connect to Computer

· Connect one end of a second Ethernet Cable to one of the available ports on the Router. Most modern Routers include four ports.

Power your Router

· Plug your Router to a power source and wait till until your Router’s LED signals that it is connected to the internet. Generally Routers have a green LED indicator that turns solid when connected.

Install Software and Drivers

· If your Router included a disk to install Drivers, insert disk and continue following the disks instructions to install Drivers and set up your Network.

· If your Router does not include a disk continue to next steps.

Configure your Network

· Take note of the Router’s IP address that is selected automatically (default) and mentioned in the user’s guide. Most Routers by default use, http://192.168.1.1 as the default IP address

· Open your default web browser and type in the router’s address in the provided empty search field.

· Insert a valid Username and Password. If you have not set one up and it requires one, the default for most brands of Routers is, Username: Admin, Password: Password.

· You can also get to your Routers (Homepage) by going to Start Menu\Control Panel\Network and Sharing Center. Click the center icon at top, which usually has the house as an icon if you saved your Network as a Home Network. On the next page under Network Infrastructure you should see your Router listed. Just Right-Click your Router Icon and you should have a menu option to view Homepage.

Basic settings

· Choose your Basic Settings such as Router Name, and IP Addressing

Wireless Security Settings

· Locate Wireless Security or Wireless Settings. Choose a name(SSID) for your Network that you can easily identify and whether you wish to broadcast your Wireless Signal.

· Select channel to broadcast on, by default a Router usually has this set to Auto which is fine for most users.

· Select Wireless Mode. This is your speed for your wireless. Example: 54Mbps, 145Mbps and 300Mbps.

For your Wireless Security settings, most modern Routers include the following types of security:

· None – No security. Not recommended if you are in an area where someone who lives next door to you could use your Wireless Connection to connect to the Internet.

· WEP – Older security encryption used for Wireless Networks with better options now available. This option does not give a password but a unique key that users enter to connect.

· WPA-PSK[TKIP] – Better security than WEP and sometimes users still use this if they have issues with devices connecting. Still a great Security Option. There is a 54Mbps limit on this connection using Legacy G.

· WPA2-PSK[AES] – Newer security using N support and if you have no issues with devices connecting this is the recommended Security Option as it gives you the best security.

· WPA-PSK[TKIP]+WPA2-PSK[AES] – If you have issues with devices connecting you can use this setting as it gives you a combination of WPA and WPA2.

Another thing to note outside of setting up your Router is setting up Sharing for Computers and Devices connected to your Network. Windows 7 has come along way in making this easier for users and most users can do this by following the walk-through in Windows.

Source : http://mrsupport.blogspot.com/

A Personal Finance Checklist for Newly Weds

Finance Checklist

Getting married is one of the most important events in your life. There is so much to consider—the flowers, the jewel, the dress, the venue, the photography—the list goes on. Once you are back from the honeymoon, the daily life of marriage begins and also begins the challenges of managing the finances of a new household with your spouse.

In recent studies, many couples ranked financial matters as one of the most essential factors when it comes to happiness in a marriage. It is one of the key factors causing marital stress.

Money Compatibility

First thing to do is to check how compatible you and your spouse in money management. You may be conservative and your spouse may be aggressive. You may think that the best place to invest is stock market and your spouse may think bank FDs.

You should communicate your money management style to your spouse as well as you need to understand the money management style of your spouse. Both of you need to analyse the merits and demerits of money management style of each other and their own. Then you need to create a mutually agreed combined money management style.

This will be vital to you both throughout your married life to help minimize stress from disagreements about money.

Update Your Records

DB Analyzer dated 27-06-2011

ecent additions in DBAnalyzer
1. Agreement - Sanchay Post & V2SBCO data
2. Miscellaneous - Balance Verification List for RD accounts
3. Database Discrepancies - PPF - HUF Accounts (3 reports)
4. Reports - Signatures exceeding 150 kb
5. Reports - List of Live RD Accounts allotted to Closed Agents
6. Separate LoT for NREGS / IGNOAPS / IGNWPS / IGNDPS / BPL for HO & SOs

Download Document Download DB Analyzer

Source : http://www.tamilnadupost.nic.in/sdc/sblan.htm

Reimbursement of Medical Expenses-Frequently Asked Questions

dependency condition not applicable to spouse for reimbursement of medical expenses under CGHS

Q I am a Government employee and beneficiary of CGHS. In my Service Book, I have shown my husband as not employed, as he was not employed at that time. Later on, he started a small business. When my husband suffered heart attack CGHS doctor referred my husband to a CGHS approved hospital where he was conducted angiography and by-pass surgery of heart. I submitted the bills for the same for reimbursement. However my Officer-in-Charge informed that no claim for medical reimbursement for my husband will be accepted since he is an income tax assessee and not my dependent. Kindly clarify.

A As per the definition of family for CGHS, the condition of dependency does not apply to husband/wife. Hence, you are entitled to reimbursement of medical expenses incurred in respect of your husband vide G.I.,M.H.,O.M. No. S-11012/1/98-CGHS(P), dated 14-3-2001 (Sl.No.133 of Swamy's Annual, 2001).

When both husband and wife are Govt. Servants both can claim reimbursement of medical expenses for their respective parents

Q Both the husband and wife are employees of a Central Government Organization and claiming the medical benefits under CS(MA)Rules, 1944. They have furnished joint declaration according to which husband has preferred to claim the concession for himself, wife, children and his parents and wife has preferred to claim for her parents. Since both the employees belong to same organization and staying at the same station, a doubt has arisen whether the female employee can claim medical reimbursement for her parents and her other dependent family members. Kindly clarify.

A When both husband and wife are Govt. employees, both of them can claim medical reimbursement for their respective parents subject to the condition that the income from all sources of such parents should be less than Rs 1,500 and they should reside with the concerned Govt. servant or with the rest of the family members.

Dependent married son is entitled to medical facilities

Q As per Circular No.4-24/96-C&P/CGHS (P), dated 17- 9-1999 of dept. of Health, a dependent son irrespective of his age is entitled to CGHS medical facilities. There is no mention of his marital status. However, a CGHS authorities in a particular region are refusing to include the name of a married dependent son in the CGHS card of a pensioner on the plea that the son is married. Kindly clarify.

A While defining dependency for son/daughter vide G.I., Ministry of Health and Family Welfare O.M.,dated 31- 12-1992 – Order (a) below Note-2 of the Definition of Family under Chapter 4 of "Swamy's Compilation of Medical Attendance Rules", the clause `married' has been included to the conditions only in the respect of daughter and NOT in respect of son. Hence, the CGHS establishment is not correct.

A Govt. Servant cannot claim medical reimbursement for his father who is in receipt of fixed medical allowance

Q A pensioner is residing outside CGHS area and therefore granted Rs 300 per month towards medical allowance. He is residing with his son who is a Govt. employee. The son is claiming medical reimbursement for OPD treatment of his father on the plea that his father's income is less and therefore dependent upon him. Will you please clarify whether his son can claim medical reimbursement?

A When the father, who is a pensioner is drawing fixed medical allowance of Rs 300 per month, his son is not entitled to claim medical reimbursement for the OPD treatment of his father.

Restriction of two children is not applicable for claiming medical reimbursement

Q As per existing rules, reimbursement of Children Education Allowance, LTC, etc., are admissible for two dependent children only. Whether an employee is entitled to reimbursement of the medical expenditure incurred for his wife during the pregnancy of third child and also admissibility of Paternity Leave in such cases.

A There is no ban under the CS(MA) Rules, 1944 or CGHS Rules for reimbursement of medical expenses incurred during the pregnancy of third child. However, Paternity Leave is not admissible if the employee has more than two surviving children vide OM, dated 16-7-1999 (now Rule 38-A of CCS (Leave) Rules, 1972).

Admissibility of medical facilities to the parent residing with family members away from headquarters

Q I am working in a city and family members reside in another city for various reasons. My parents are also residing with my family. In such situation, whether my parents will be eligible for medical treatment under CS(MA) Rules.

A Medical facilities are available to the parents of a Govt. servant even when they reside with the rest of his family members at a place other than his duty station for whatever reason. In such cases, the conditions regarding residence of the parents with the Govt. servant is waived.

Air travel for medical treatment, admissible to all irrespective of pay scales.

Q If a Government Employee officer is not entitled to travel by air on tour, LTC etc., whether he is entitled for air travel for medical treatment or not.

A TA by air for medical treatment is totally different from TA entitlement on tour/transfer. TA by air for medical attendance is admissible to all the Govt. servants irrespective of their pay, etc., if condition that as air travel was absolutely essential otherwise the life of the patient would have been in danger is fully satisfied. This condition is also applicable employees who entitled for Air Travel during their regular tours and LTC.

Official under suspension is eligible for all medical facilities.

Q Whether a Government Employee who is under suspension is entitled for reimbursement all the Medical expenditures involved at par with working employees.

A The official under suspension is covered by CS(MA) Rules and he is eligible for all the facilities as if he had not been suspended.

Medical facilities if spouse employed in other organization at the same/different station.

Q Please clarify whether the spouse employed in a Bank can avail the medical facility for himself /herself alone from the Bank while the spouse employed in Government department can avail facilities under CS(MA)Rules for self and other family members.

A In such cases medical facilities can be availed either under CS(MA) Rules or from the organization where the other spouse is employed, for all the family members. In the case, cited the spouse employed in the Bank cannot avail the facility for himself/herself alone while the other members avail facilities under CS(MA) Rules. The entire family can avail the facilities from only one source as a unit and for this purpose a joint declaration should be given by the couple to their respective departments. However, if the spouse employed in other organization is stationed at different station he/she can avail the facilities from the organization for self only, while the spouse and the family members living with him/her can avail facilities under CS(MA) Rules.

Members of family residing away from the place of posting of the Govt. Servant are entitled to avail medical facilities under CS(MA)Rules

Q A Govt. servant was transferred from one station to another on his own request. His wholly dependent family members are residing in his own house at the old station. He could not shift his family to the new place of posting. His family members are taking treatment at old station. Kindly clarify whether he can avail the facility of medical reimbursement in respect of his family members.

A The concerned Govt. servant can avail the facility in respect of the family members who are residing away from the place of duty. However, the dependent parents should reside either with the Govt. servant or with the other members of family to avail the facility. Please refer to Para 2 (c) under Section 4 of "Swamy's Compilation of Medical Attendance Rules" (C-7).

Spouse can claim the medical expenses incurred prior to the death of the deceased employee.

Q The wife of a deceased Central Govt. employee has submitted the claims in Form CS(MA) Rules in respect of the said employee and his dependents for the period before his death. There is no clear rule in Medical Attendance Rules on the above issue. Please Clarify.

A Pay and allowances of all kinds claimed on behalf of a deceased Govt. servant may be paid without the production of usual legal authority under the order of Head of Office in which the Govt. servant was employed at the time of his death, provided the Head of Office is otherwise satisfied about the right of the claimant. On receipt of the claim for payment of arrears of pay and allowances of all kinds (including traveling allowances claims) on behalf of a deceased Govt. servant from his heir(s), the Head of Office in which the Govt. servant was last employed should draw the amount in the appropriate bill. On the same lines medical claim also may be paid to the legal heir(s) of the deceased Govt. servant. [ Rule 95 of CGA Receipts and Payment Rules]

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