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Tuesday, January 12, 2016

Fallacy of LIC's Calculations for pre-August 1997 retirees‏


Please click below for the Tables.


TWO ILLUSTRATIONS TO  PROVE HOW LIC’S METHOD OF CALCULATIONS  TO REVESE PRE-AUGUST 1997 RETIREES STILL RESULTS IN LOSS  TO THE PENSIONERS
Pensioner A  :  Cadre ADM
Period of Retirement : 1/8/1987 to 31/7/1992
 Existing Basic Pension
2525
 Existing DR slab
13.6005
No of DR slabs as at 1/8/2015
1324
Total existing DR as at 1/8/2015
18007
Total Existing Pension as at 1/8/2015
20532
LIC's Calculations for revision of Pension as at 1/8/1997
 Existing Basic Pension
2525
 Existing DR as at 1/8/1992
1863
Notional Revised Pension as at 1/8/1992
4388
DR  slab on revised Notional Basic Pension
13.289442
Revised DR as at 1/8/1997
1967
Revised Basic Pension as at 1/8/1997
6355
Revised DR per slab
14.6165
No. of DR slabs as at 1/8/2015
1039
Total DR as at 1/8/2015
15187
Total Gross Pension  as at 1/8/2015
21542
REVISED PENSION CA:CULATIONS IF ONLY DR ANOMALY IS REMOVED WITHOUT MERGER OF DR AND UPGRADATION
 Existing Basic Pension
2525
 Revised DR slab( based on in-service formula)
16.8875
No of DR slabs as at 1/8/2015
1324
Total Revised  DR as at 1/8/2015
22359
Total Revised  Pension as at 1/8/2015
24884
( This  is more than what is worked out by LIC by the merger method without weightage)
Loss on account of DR anomaly
4352
Loss on account of the faulty method of LIC
3342
(even after revision of Basic Pension by LIC on 1/8/1997).This means that  the pension increases  only by Rs 1010 instead of by Rs 4352 as at August 2015
PENSIONER B  :Cadre ADM
Date of Retirement  :   1/4/1993 to 31/7/1997
Existing Basic Pension
4975
Existing DR Slab
13.8175
No of Slabs as at 1/8/2015
1187
Total existing DR as at 1/8/2015
16401
Total existing gross pension as at 1/8/2015
21376
LIC's Caculations for revision of Pension as at 1/8/1997
 Existing Basic Pension
4975
DR as at 1/8/1997
2045
Revised Basic Pension as at 1/8/1997
7020
DR  slab on revised  Basic Pension
16.145977
No of  revised DR slabs as at 1/8/2015
1039
Revised DR as at 1/8/2015
16776
Total Gross Revised Pension as at 1/8/2015
23796
REVISED PENSION CALCULATIONS IF ONLY DR ANOMALY IS REMOVED WITHOUT MERGER OF DR AND UPGRADATION
 Existing Basic Pension
4975
 Revised DR slab( based on in-service formula)
17.3075
No of DR slabs as at 1/8/2015
1187
Total Revised  DR as at 1/8/2015
20544
Total Revised  Pension as at 1/8/2015
25519
( This  is more than what is worked out by LIC by the merger method without weightage)
Loss on account of DR anomaly
4143
Loss on account of the faulty method of LIC
1723
(Even after revision of Basic Pension by LIC on 1/8/1997). This means that  the gross  pension increases  only by Rs 2420 instead of by Rs 4143 as at August 2015
NOTE
1.       It has also to be noted  that in the method adopted by LIC,the basic  pension is revised  only from 1/8/1997 without merger of the correct DR(free from anomaly) , whereas, as per the method adopted for removing the DR anomaly, the DR slab will undergo a change right from 1/11/1993 or the date of retirement whichever is later before further calculations for revision. 

2.       Different calculations will have to be made  for the Class I Officers  who retired between  1/8/1992 and 31/3/1993 who are in the category of Mr M C Jain  in whose case Supreme Court has dismissed the SLP filed by LIC against the Jaipur HC Bench judgment ordering revision of salary from 1/8/1992 and revision of pension from 1/11/1993.But LIC has to be persuaded to  implement the MC Jain case judgment in the right manner not only in his case, but also for  all similarly placed pensioners. This may require intense lobbying or vigorous legal struggle by affected pensioners/Associations.