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Wednesday, June 24, 2015

THE ALGEBRA OF FAMILY PENSION ANOMALY



Although it is very clear that the method followed by LIC for revision of pension for pre-August 1997 retirees as at 1/8/1997 was anomalous - as was demonstrated by its deposits made in the Jaipur and Chandigarh HC Registries - so far LIC has been holding on to its deliberate misinterpretation of the Rajasthan & Chandigarh High Court judgments and the letter and spirit of the LIC Board Resolution dated 24/11/2001. LIC had also cleverly avoided  giving a break-up of regular pension and family pension  for the relative deposits made by them lest the fact of  recoveries (instead of arrears) arising  in family pension  should get exposed before the court.

The contempt petition before the Chandigarh High Court gave us an opportunity to discover the glaring anomaly in family pension revision arising out of the faulty basis adopted for the revision of pension (where existing family pension is Rs 2400 or less) in respect of an employee retired between 1/8/1992(1/4/1993 in case of Class I Officers) and 31/7/1997.

The following algebraic illustration will make the point clear;


The shortfall for the months Feb 2015 to July 15 can easily be worked out  by multiplying the existing basic family pension by 0.008669.

For example, if the existing basic family pension is Rs 2000/-, the shortfall will be 17.338 or Rs 17/- rounded to the nearest rupee.

Interestingly, even if the rate of family pension is upwardly revised on the pattern of RBI, the same anomaly will continue unless the revision in family pension is done  on 1/8/1997 with weightage and such revision with weightage  is effected on 1/8/2002,1/8/2007 and  on all effective dates of wage revisions in future.

Nothing can be more telling than this for a strong case for upgradation of both regular and family pension with weightage on every effective date of wage revision.

I had already brought this to the notice of Chairman, LIC through calculations as early as in September 2014.Let us hope it will apply its corporate mind seriously in the matter before being possibly   pulled up by the Courts.

Greetings.

C H Mahadevan