1. PENSION POLICY

• 1.1  Which rules govern pension and gratuity to the employees retiring from H.P. State Government Department.
• 1.2   Is the date of voluntary retirement treated as duty?
• 1.3   Whether the day of death/retirement is treated as working?
• 1.4   How is pension calculated?
• 1.5   What happens to the departmental proceedings instituted against a Govt. servant during service and  pendingat the time of retirement? Can pension/gratuity be paid to a retiring Govt. servant if Departmental/Judicial proceeding are pending against him at the time of retirement.
• 1.6  Can departmental proceedings be instituted after retirement?
• 1.7   Who is eligible for Pension?
• 1.8   How is Pension Calculated?
• 1.9   Which pay is reckoned as emoluments for pension and gratuity?
• 1.10 Which pay is reckoned as emoluments for pension if the Government servant is on leave, suspension or deputation at the time of retirement?
• 1.11 Can a pension be withheld/withdrawn on grounds of misconduct after retirement?
• 1.12 Can a pension, once authorized, be revised to the disadvantage of the pensioner on grounds, other than misconduct under Rule 8 and 9 of CCS (P) rules 1972?
• 1.13  What is the formula for revision of pension of pre-2006 pension/family pension?
• 1.14 What is the amount of minimum and maximum pension after Sixth CPC?
• 1.15 From where can we download the pension/family pension forms/ nomination for gratuity?
• 1.16 Where can a Govt. servant apply for voluntary retirement? And how is pension calculated.
• 1.17 Whether older pensioner will get higher rate of pension?
• 1.18 Whether 5%, 10% and 15% years Pension/Allowance will applicable to the All India Service Pensioners family pension of HP Cadre?
• 1.19 Whether older pensioner will get 5%, 10% and 15% higher rate of pension? on attaining the age of 80  years or above.
• 1.20 Is additional pension admissible to old family pensioners also?
• 1.21 Whether the provision of added years in qualifying service for computation of pension is still in force?
• 1.22  Whether the provision of added years in qualifying service has been withdrawn for calculating gratuity also?
• 1.23 Whether the additional pension/family pension available to old pensioner would be payable from the date  of attaining age of 80 years or above or from the first day of the months in which the date of birth falls?
• 1.24  Whether the additional pension/family pension available to the pensioner would by payable from the date of attaining the age of 65, 70 years and 75 years or from the first day of the month in which the date of birth falls?

2. Qualifying Service

• 2.1Does all leave period qualifying for pension and gratuity?
• 2.2 Is the benefit of counting of past service under rule 19 available to ex-servicemen, re-employed to Civil Service/Post?
• 2.3 What happens to past service of Govt. servant (appointed before 15-05-2003) who resigns to take up, with    proper permission, another appointment under the Govt?
• 2.4  What is the impact of resignation (other than technical resignation) on qualifying service and pension?

3. Pension Procedure

• 3.1 (i) When pension papers are required to be completed in respect a retiring Govt. Servant?
• 3.1 (ii) What is the meaning of the following term?
• a) Pension Disbursing Authority
• (b) Pension Sanctioning Authority
• (c) PPO Issuing Authority.
• 3.2 What should a Government servant do to claim his pension?
• 3.3 Who is to authorize the pension?
• 3.4.What is to be done in case the pension has not been fixed correctly?

4. Pension Disbursement

• 4.1 Can a pension account be opened in any branch of any Bank?
• 4.2 Is the payment of pension in cash or through a joint account with or without  “Either or Survivor” facility permitted in the scheme for payment of pension to State Govt. Civil pensions by Public Sectors Banks.
• 4.3 Can Income Tax be deducted at source be made from pensioner payments?
• 4.4 Can the excess payment, if any credited to the pensioner, account be recovered by the Bank?
• 4.5.1 What is to be done if a pensioner/family pension desires to get the pension payment account transferred?

5.Family pension

• 5.1 Who is to authorize family pension and death gratuity when a Govt. servant  dies while on deputation?
• 5.2 When does family member become eligible for the grant of family pension?
• 5.3 Family pension is payable up to which period and in which order of members of family?
• 5.4 Is family pension payable to more than one person at a time?
• 5.5 How is the family pension payable to twin children?
• 5.6 Is family pension payable to a spouse judicially separated?
• 5.7 What is enhanced family pension and for what period it is payable?
• 5.8 Is family pension available to widow/widower after remarriage?
• 5.9 Whether the period of 10 years for payment of enhanced family pension would also apply in the case of a Government servant who died before 1-1-2006 and in respect of whom the family was receiving enhanced family pension as on1-1-2006.

6. Gratuity

• (6)  Is there any ceiling on gratuity/death gratuity, commuted value of the pension is taxable?
• 6.1 Whether retirement gratuity, death gratuity can be paid by Accountant General?
• 6.2 Whether 10% gratuity or whole of the Gratuity is to be withheld at the time of retirement of all Government Servants?
• 6.3  What all are dues recoverable from retirement gratuity.
• 6.4 If the nominee for death gratuity is a minor, how will be the gratuity paid?
• 6.5 When the retirement gratuity be withheld by the Government?
• 6.6 What action is required to be taken when gratuity is withheld on account of continuing disciplinary proceedings/judicial proceedings and when these payments will be paid?
• 6.7 Whether interest is payable for delayed payment of gratuity and what is the rate of interest applicable in these cases of delayed payment of gratuity?

7. Commuted of Pension

• 7 .1  How much of the pension can be commuted?
• 7.2  Is there any restriction on commutation of pension?
• 7.3 Whether the family can be given the benefit of 40 per cent commutation if an pensioner dies before exercising option?
• 7.4  What will be the effective date of reduced pension if,
• a)  The applicant is drawing pension from PAO?
• b)  The applicant is drawing pension from a branch of Public Sector Bank?
• c)   A Government servant who retired on superannuation and commutation applied in Form 1-A of CCS (Commutation of Pension) Rules before the date of retirement and commutation paid through Head of Office within the first month of retirement?
• 7.5  How does the period of 15 years of restoration of commuted portion of pension reckon?
• 7.6  Is any authorization for restoration of commuted portion of pension after 15 years required from PAO/CPAO?
• 7.7  Whether restoration of commuted portion of pension is admissible to those who were absorbed permanently in autonomous bodies/PSUs and have drawn 100% lump-sum payment in lieu of pension?
• 7.8 What is restoration of pension and when is it due?
• 7.9  What is reduce/residual/residuary pension?
• 7.10 From which date the reduction in pension on account of additional commutation of pension will take effect?
• 7.11 What will be the date of restoration of additional commutation of pension?
• 7.12 A person with D.O.B on first of month retires in the previous month. What will be the value to be taken for calculation from commutation?
• 7.13 If the commute amount is paid in stages then what will be the date of  restoration?
• 7.14 Whether a person who has commuted some percentage of his pension, can  commute remaining part up to maximum of 40% afterwards (e.g. if a person have commuted 20% of his pension on retirement and the same was duly authorized, whether he can commute the remaining 20% of his pension.
• 7.15 Whether applicant (Govt. Servant/pensioner) is required to make a nomination in the prescribed form along with his application for commutation?

8. Dearness Relief

• 8.1What is the extent of neutralization of relief granted to pensioners?
• 8.2 Is the Dearness Relief payable on original basic pension or on reduced pension after commutation?
• 8.3 Is any authorization from PAO/CPAO required for payment of dearness relief on increased rates to pensioners/family pensioners?
• 8.4 Are the employed family pensioners and the re-employed pensioners entitled to Dearness Relief (DR) on their family pension/ pension ?

9. NPS

• 9 What is the contributory Pension Scheme (CPS) for employees recruited on or after 15-05-2003?
• 9.1 When was the Contributory Pension Scheme introduced?
• 9.2 Who is covered by the Contributory Pension Scheme?
• 9.3 Who is not covered by the Contributory Pension Scheme?
• 9.4 If I joined State Government service on or after 15.5.2003 do I have an    option of not being covered by the Contributory Pension Scheme?
• 9.5 I am covered by the Contributory Pension Rules. Do the old Pension Rules    apply to me?
• 9.6 I am covered by the Contributory Pension Scheme. Can I contribute to the GPF?
• 9.7 What interest is payable on my contributions to Contributory Pension Scheme?