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भारत पेंशनर्स समाज (BPS) के 8वें वेतन आयोग को प्रस्तुत ज्ञापन का प्रस्तावित अध्याय 2 – संक्षिप्त रूप में- Proposed Chapter 2 of BPS Memorandum to 8th CPC in brief

 भारत पेंशनर्स समाज (BPS) के 8वें वेतन आयोग को प्रस्तुत ज्ञापन का प्रस्तावित अध्याय 2 – संक्षिप्त रूप में- Proposed Chapter 2 of BPS Memorandum to 8th CPC in brief

 अध्याय 2: पेंशन

पूर्व-2004 सेवानिवृत्त कर्मचारियों के लिए सिविल सेवा पेंशन सुधार

सेवानिवृत्त कर्मचारियों के लिए वित्तीय सुरक्षा और न्यायसंगत पेंशन सुनिश्चित करना आवश्यक है। सर्वोच्च न्यायालय के नकड़ा निर्णय में स्पष्ट किया गया है कि पेंशन कोई अनुकंपा नहीं, बल्कि एक वैधानिक अधिकार है, जो सेवानिवृत्त कर्मचारियों के सामाजिक-आर्थिक न्याय की गारंटी देता है। पेंशनभोगियों को:

1. सम्मान, आत्मनिर्भरता और गरिमा के साथ जीवनयापन की सुविधा हो।
2. सेवानिवृत्ति पूर्व के स्तर के समान जीवन स्तर बनाए रखने की व्यवस्था हो।

महंगाई और जीवनयापन लागत का प्रभाव

1 जनवरी 2016 से केंद्रीय पेंशन में कोई संशोधन नहीं हुआ है। महंगाई, आवश्यक वस्तुओं की बढ़ती कीमतों और चिकित्सा खर्चों में वृद्धि के कारण पेंशनभोगियों के लिए जीवनयापन कठिन हो गया है।

पेंशन सुधार प्रस्ताव

1. पेंशन दर में संशोधन

• न्यूनतम पेंशन: 8वें वेतन आयोग के कल्पित वेतन (notional pay) का 65% (अंतिम वेतनमान या अंतिम 10 महीनों के वेतन औसत में से जो अधिक लाभकारी हो)।  (TECS की 5वें वेतन आयोग रिपोर्ट के अनुसार)।
• पारिवारिक पेंशन: अंतिम वेतन का 45%

2. वृद्धावस्था पेंशन में अतिरिक्त वृद्धि (110वीं DRPSC रिपोर्ट, पैरा 3.24-3.28 के अनुसार)

• 65 वर्ष – 5% वृद्धि
• 70 वर्ष – 10% वृद्धि
• 75 वर्ष – 15% वृद्धि
• 80 वर्ष – 20% वृद्धि
• 85 वर्ष – 30% वृद्धि
• 90 वर्ष – 40% वृद्धि
• 95 वर्ष – 50% वृद्धि
• 100 वर्ष – 100% वृद्धि

3. न्यूनतम पेंशन में संशोधन

• न्यूनतम पेंशन 8वें वेतन आयोग द्वारा निर्धारित न्यूनतम वेतन के 100% के बराबर होनी चाहिए।

वैश्विक पेंशन तुलना

कई देशों में भारत की तुलना में बेहतर पेंशन व्यवस्था है:

देश	पेंशन दर
फ्रांस	अंतिम 6 महीनों के वेतन का 75%
बेल्जियम	अंतिम 5 वर्षों के वेतन का 75%
साइप्रस	अंतिम वेतन का 67%
माल्टा	सर्वश्रेष्ठ 15 वर्षों के औसत वेतन का 80%
ब्राज़ील	85%
दक्षिण अफ्रीका	75%
मैक्सिको	60%
तुर्की	60%
वियतनाम	75%
अर्जेंटीना	70%

प्रमुख पेंशन नीति सुधार

4. महंगाई भत्ता (DR) का पेंशन में समायोजन

• महंगाई भत्ता 25% से अधिक होने पर इसे पेंशन में शामिल कर दिया जाना चाहिए (5वें वेतन आयोग की सिफारिश, पैरा 138.17)।

5. सीसीएस पेंशन नियम 2021 का HAMA 1956 के साथ संरेखण

• "परिवार" की परिभाषा में विधवा बहू को शामिल किया जाना चाहिए (हिंदू दत्तक ग्रहण और भरण-पोषण अधिनियम, 1956 के तहत)।

6. पूर्व एवं नवीन पेंशनभोगियों में समानता

• पूर्व-2016 और नवीन सेवानिवृत्त कर्मचारियों की पेंशन बराबर की जानी चाहिए, जैसा कि सुप्रीम कोर्ट और हाईकोर्ट के न्यायाधीशों एवं रक्षा कर्मियों के लिए ‘One Rank One Pension’ (OROP) योजना में लागू है।

7. पारिवारिक पेंशन में वृद्धि

• 30% से बढ़ाकर 45% की जाए।
• सेवा के दौरान या सेवानिवृत्ति के बाद मृत्यु पर समान रूप से लागू हो।
• जीवित जीवनसाथी की वित्तीय स्थिरता सुनिश्चित करने के लिए अचानक पेंशन कटौती समाप्त की जाए।

वैकल्पिक विवाद समाधान (ADR) प्रक्रिया (DRPSC रिपोर्ट 110, पैरा 2.31-2.33)

• 310 पेंशन संबंधी मामले अदालतों में लंबित हैं।
• सरकार को पूर्व-विचारण सुलह (pre-litigation conciliation) तंत्र लागू करना चाहिए।

BSNL/MTNL पेंशनभोगियों के लिए समानता

• BSNL/MTNL कर्मचारियों की पेंशन सरकार द्वारा वित्तपोषित है, फिर भी उन्हें स्वतः वेतन आयोग संशोधनों से बाहर रखा जाता है, जिससे वित्तीय कठिनाई होती है।
• BSNL/MTNL के लिए स्वचालित वेतन आयोग संशोधन लागू किया जाना चाहिए।

रेलवे लोको रनिंग स्टाफ/लोको पायलट की पेंशन में सुधार

• उनकी पेंशन की गणना 55% अतिरिक्त वेतन के आधार पर होनी चाहिए, जो 7वें वेतन आयोग में गलत तरीके से गणना की गई।
• इस त्रुटि को 8वें वेतन आयोग में सुधारना अनिवार्य है।

स्वायत्त निकायों के लिए पेंशन प्रणाली का सरलीकरण

• कॉफी बोर्ड, चाय बोर्ड, कोल बोर्ड जैसी संस्थाएं केंद्रीय वेतन आयोग की सिफारिशों का अनुसरण करती हैं।
• महंगाई भत्ते (DR) जैसी वित्तीय मंजूरी के लिए मंत्रालयों पर निर्भरता समाप्त की जानी चाहिए।

सशस्त्र बलों एवं अन्य सुरक्षा बलों के लिए समानता

• अर्धसैनिक बलों (Para-Military Forces) को One Rank One Pension (OROP) का लाभ दिया जाए।
• MES (मिलिट्री इंजीनियर सर्विसेज) कर्मियों को रक्षा सेवा के समान पेंशन और Ex-Servicemen का दर्जा दिया जाए।

अन्य आवश्यक लाभ

निश्चित चिकित्सा भत्ता (Fixed Medical Allowance - FMA)

• इसे ₹5,000 प्रति माह किया जाए।

निष्कर्ष

एक न्यायसंगत और टिकाऊ पेंशन प्रणाली आवश्यक है ताकि सेवानिवृत्त कर्मचारियों की वित्तीय सुरक्षा, गरिमा और स्वतंत्रता सुनिश्चित की जा सके। ये प्रस्तावित सुधार, आर्थिक परिस्थितियों के अनुसार पेंशन नीतियों को संरेखित करने और पेंशनभोगियों एवं उनके परिवारों को आवश्यक समर्थन प्रदान करने का प्रयास करते हैं।

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Ayushman Bharat Yojana: Eligibility, Benefits, Key Features, Everything You Need To Know

 Ayushman Bharat Yojana: Eligibility, Benefits, Key Features, Everything You Need To Know

Senior citizens can apply online through the National Health Authority (NHA) website or the Ayushman app.

Ayushman Bharat Scheme.

The BJP’s Ayushman Bharat program aims to provide comprehensive healthcare, encompassing preventive, curative, and palliative aspects. This is achieved through Health and Wellness Centers (HWCs) at the grassroots level and financial aid for treatments at higher levels, involving both public and private healthcare providers.

What Is the Two-Pronged Approach Of Ayushman Bharat?  two-pronged approach involves establishing 150,000 HWCs for accessible primary care, including maternal, child, and non-communicable disease services, along with free essential medicines and diagnostics. The Prime Minister inaugurated the first HWC in Jangla, Bijapur, Chhattisgarh, on April 14, 2018.

The second component, Pradhan Mantri Jan Arogya Yojana (PMJAY), offers financial protection for secondary and tertiary care to underprivileged families. HWCs play a crucial role in raising awareness about PMJAY, screening for non-communicable diseases, and monitoring patients post-hospitalization.

Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana (AB PM-JAY) for Senior Citizens

In a significant move to enhance healthcare access, the Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana (AB PM-JAY) expanded its coverage. Now, all senior citizens aged 70 and above, regardless of income, are eligible. This initiative intends to cover approximately 4.5 crore families, benefiting almost 6 crore senior citizens with health insurance of Rs 5 lakh per family. This underlines the government’s commitment to affordable and inclusive healthcare for vulnerable populations.

Senior citizens can apply for the Ayushman Bharat Senior Citizen Scheme through a dedicated website and the Ayushman App, available for Android users on the Google Play Store.

To register, individuals need their Aadhaar Card, Mobile Number, and Email ID.

Senior citizens can apply online through the National Health Authority (NHA) website or the Ayushman app.

For the NHA portal:

1. Visit the NHA Beneficiary portal. 2. Enter your phone number, complete the captcha, and authenticate using the OTP. 3. Click the banner for senior citizens aged 70+. 4. Provide state, district, and Aadhaar number. 5. Complete KYC using Aadhaar OTP and upload a recent photograph. 6. Download the Ayushman Vaya Vandana Card within 15 minutes after approval.

Through the Mobile Application:

1. Download and install the Ayushman App. 2. Login using the captcha, mobile number, and OTP. 3. Provide Aadhaar information and a declaration. 4. Upload a recent photograph. 5. Enter beneficiary and family member details, and complete the eKYC. 6. Download the card after successful registration.

If any discrepancies arise or the beneficiary is not found, ensure eKYC completion and consent for OTP verification.

Key Points:

* Senior citizens aged 70 and above will receive a unique Ayushman Bharat PM-JAY card.

* Those already covered under AB PM-JAY will receive an additional Rs 5 lakh annual top-up. This top-up is exclusive to them and not shared with family members under 70.

* Senior citizens not covered under an existing AB PM-JAY family plan will receive Rs 5 lakh annual coverage on a family basis.

* Senior citizens enrolled in other public health insurance schemes like CGHS, ECHS, or Ayushman CAPF can choose to remain with their current plan or switch to AB PM-JAY.

How To Get Registered In Ayushman Bharat?

You can visit your nearest Common Service Center or hospital to get Ayushman Bharat card.

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Ayushman Bharat

 Ayushman Bharat

---

Ayushman Bharat, a flagship scheme of Government of India, was launched as recommended by the National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC). This initiative has been designed to meet Sustainable Development Goals (SDGs) and its underlining commitment, which is to "leave no one behind."

Ayushman Bharat is an attempt to move from sectoral and segmented approach of health service delivery to a comprehensive need-based health care service. This scheme aims to undertake path breaking interventions to holistically address the healthcare system (covering prevention, promotion and ambulatory care) at the primary, secondary and tertiary level. Ayushman Bharat adopts a continuum of care approach, comprising of two inter-related components, which are -

• Health and Wellness Centres (HWCs)
• Pradhan Mantri Jan Arogya Yojana (PM-JAY)

1. Health and Wellness Centers (HWCs)

---

In February 2018, the Government of India announced the creation of 1,50,000 Health and Wellness Centres (HWCs) by transforming the existing Sub Centres and Primary Health Centres. These centres are to deliver Comprehensive Primary Health Care (CPHC) bringing healthcare closer to the homes of people. They cover both, maternal and child health services and non-communicable diseases, including free essential drugs and diagnostic services.

Health and Wellness Centers are envisaged to deliver an expanded range of services to address the primary health care needs of the entire population in their area, expanding access, universality and equity close to the community. The emphasis of health promotion and prevention is designed to bring focus on keeping people healthy by engaging and empowering individuals and communities to choose healthy behaviours and make changes that reduce the risk of developing chronic diseases and morbidities.

2. Pradhan Mantri Jan Arogya Yojana (PM-JAY)

---

The second component under Ayushman Bharat is the Pradhan Mantri Jan Arogya Yojana or PM-JAY as it is popularly known. This scheme was launched on 23rd September, 2018 in Ranchi, Jharkhand by the Hon’ble Prime Minister of India, Shri Narendra Modi.

Ayushman Bharat PM-JAY is the largest health assurance scheme in the world which aims at providing a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 12 crores poor and vulnerable families (approximately 55 crore beneficiaries) that form the bottom 40% of the Indian population. The households included are based on the deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively. PM-JAY was earlier known as the National Health Protection Scheme (NHPS) before being rechristened. It subsumed the then existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008. The coverage mentioned under PM-JAY, therefore, also includes families that were covered in RSBY but are not present in the SECC 2011 database. PM-JAY is fully funded by the Government and cost of implementation is shared between the Central and State Governments.

Key Features of PM-JAY

---

• PM-JAY is the world’s largest health insurance/ assurance scheme fully financed by the government.
• It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
• Over 12 crore poor and vulnerable entitled families (approximately 55 crore beneficiaries) are eligible for these benefits.
• PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
• PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.
• It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
• There is no restriction on the family size, age or gender.
• All pre–existing conditions are covered from day one.
• Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
• Services include approximately 1,929 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician's fees, room charges, surgeon charges, OT and ICU charges etc.
• Public hospitals are reimbursed for the healthcare services at par with the private hospitals.

Benefit Cover Under PM-JAY

---

Benefit cover under various Government-funded health insurance schemes in India have always been structured on an upper ceiling limit ranging from an annual cover of INR30,000 to INR3,00,000 per family across various States which created a fragmented system. PM-JAY provides cashless cover of up to INR5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.

• Medical examination, treatment and consultation
• Pre-hospitalization
• Medicine and medical consumables
• Non-intensive and intensive care services
• Diagnostic and laboratory investigations
• Medical implantation services (where necessary)
• Accommodation benefits
• Food services
• Complications arising during treatment
• Post-hospitalization follow-up care up to 15 days

The benefits of INR 5,00,000 are on a family floater basis which means that it can be used by one or all members of the family. The RSBY had a family cap of five members. However, based on learnings from those schemes, PM-JAY has been designed in such a way that there is no cap on family size or age of members. In addition, pre-existing diseases are covered from the very first day. This means that any eligible person suffering from any medical condition before being covered by PM-JAY will now be able to get treatment for all those medical conditions as well under this scheme right from the day they are enrolled.

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Administrative Powers of DPS in Department of Posts

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Sl. No.	Nature of Powers	Extent of Powers
1	Powers to transfer	Full Powers in respect of the officials of the ranks of Inspector Posts (IP), Higher Selection Grade-I & II (HSG-I & II), Lower Selection Grade (LSG) and equivalent cadres.
2	Penalties and Appeals	Powers as per the Schedule of Disciplinary and Appellate Authorities.
3	Powers to grant leave	Full Powers in respect of the officers/officials for the period not exceeding 04 months in respect of whom he/she is the Reporting Authority.
4	Powers to grant leave in respect of the officials for the period exceeding 04 months in respect of whom Divisional Head is the Reporting Authority.	Full Powers
5	Powers to accept resignation of an official	Full Powers in respect of any official whom he/she is competent to appoint.
6	Powers to sanction ordinary pension (including gratuities) and to decide question allied to the grant thereof.	Full Powers in respect of any official whom he is competent to appoint subject to provisions of the CCS (Pension) Rules, 2021 and the Instructions issued by the Department of Pension and Pensioners’ Welfare (DoPPW)/ Postal Directorate from time to time.
7	Powers to transfer BPM	Transfer of BPM on Vigilance grounds to other Division within the same Region.
8	Powers to settle claims of defrauded persons	Full Powers in accordance with the Instructions of the Vigilance Division issued vide letter No. 17-07/2017-Inv dated 05.06.2023 for an amount beyond Rs. 25,000

ADMINISTRATIVE POWERS OF INDEPENDENT DIRECTORS POSTAL SERVICES

Independent Director Postal Services (e.g. DPS Ghaziabad, Director GPO etc.) will exercise the Administrative Powers given to the Postmasters General in accordance with the orders/ instructions issued by the Postal Directorate/Chief Postmaster General from time to time.

*****

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8th Pay Commission Salary Revision: NC-JCM Seeks Uniform Fitment For Central Govt Employees Regardless Of Pay Bands

 8th Pay Commission Salary Revision: NC-JCM Seeks Uniform Fitment For Central Govt Employees Regardless Of Pay Bands 

The NC-JCM is an official body made up of bureaucrats and labor union leaders has said that it want the fitment factor to be same across all pay bands, whether it is Pay Band 1 or Pay Band 4.

The National Council of Joint Consultative Machinery is negotiating with the 8th Pay Commission to set up a uniform fitment factor to revise central government employees’ salaries across all pay bands. This would ensure that all employees, regardless of their pay bands, would receive the same multiplication factor when their salaries are revised, NDTV reported.

The NC-JCM is an official body made up of bureaucrats and labor union leaders. Its aim is to use conversation to settle any disagreements between the government and its employees.

“We want the fitment factor to be same across all pay bands, whether it is Pay Band 1 or Pay Band 4. This will be our demand before the 8th Pay Commission,” NC-JCM (Staff Side) Secretary Shiv Gopal Mishra told NDTV Profit.

According to Mishra, if there is a standard fitting factor, all employees will have the same multiplication factor used for compensation revision, regardless of the pay bands they are bracketed under.

Under the 7th Pay Commission, 2.57 was the fitment factor used to revise the pay of workers in Pay Band 1. However, the panel increased the fitment factor to 2.62 for Pay Band 2, 2.67 for Pay Band 3, and 2.72 for higher pay grades under Pay Band 4 using a rationalization index. The 7th Pay Commission has suggested a fitment factor of 2.81 for the apex level salary modification after accounting for the index of rationalization, NDTV reported.

“The index of rationalisation is decided by the pay commission…The general approach is that those burdening greater responsibility should get higher pay rise. But our demand is that fitment factor should be uniform to reduce the gap between the maximum and minimum salaries,” Mishra told NDTV.

“The 4th Pay Commission had talked about the need to reduce the vast gap between minimum and maximum salaries. But since then, the gap has only increased. In our view, the 8th Pay Commission should recommend a uniform fitment factor to address this,” Mishra, who is also the general secretary of the All India Railwaymen’s Federation, told NDTV.

In a meeting with the Department of Personnel and Training last week, the NC-JCM staff side also demanded that unviable pay scales be merged. They called for level 1 and level 2 pay scales to be combined, level 3 and level 4 pay scales to be combined, and level 5 and level 6 pay scales to be combined.

“This is important to address as non-viable pay scales lead to pay stagnation, and thereby affect MACP (Modified Assured Career Progression Scheme),” Mishra told NDTV.

The fitment factor for salary revision under the 7th Pay Commission is 2.57 for the first pay band and 2.81 for the highest level. The common fitting factor might have been between 2.57 and 2.81 if there had not been an index of rationalization, another NC-JCM member stated on condition of anonymity.

According to employee unions, the fitting factor would have been higher than what was advised for people under Pay Band 1 if the index of rationalization had not been applied.

The 8th Pay Commission, approved by the government last month, is set to consist of a chairman and two members. After its formation, the commission will discuss its report with stakeholders, NDTV reported.

Source: Zee News

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