Helpful in HSAS Exam Preparation
Employee की death के बाद eligible family member को मिलने वाली monthly pension को family pension कहते हैं। नीचे service conditions, normal family pension, enhanced family pension और rounding के main points दिए गए हैं।
1. Family Pension की Eligibility और Rates
Point | ......... | Notes / Conditions | .......... | Vide Rule No. |
|---|---|---|---|---|
Death while in service—service condition . | Normally, employee ने 1 year की service complete की होनी चाहिए। | Rule 47(1)(a) . | ||
Death before completing 1 year . | Family pension admissible होगी यदि employee का appointment से immediately पहले competent medical authority द्वारा medical examination हुआ हो और उसे fit declared किया गया हो। | Rule 47(1)(b) . | ||
Commencement after financial assistance . | जहाँ compassionate financial assistance लागू होती है, वहाँ family pension उसके बंद होने के बाद payable होगी। | Rule 47(1) . | ||
Death after retirement . | Pensioner की death के बाद eligible family member को family pension admissible होगी। . | Rule 47(2) . | ||
Normal family pension . | Normal family pension की rate last emoluments का 30% है। . | Rule 48(2) | ||
Minimum normal family pension . | ₹9,000 per month, या subsequently prescribed amount। . | Rule 48(2) . | ||
Maximum normal family pension . | ₹67,230 per month, या subsequently prescribed amount। . | Rule 48(2) . | ||
Rounding of family pension | Calculated amount में rupee का कोई भी fraction हो तो उसे next whole rupee तक round up किया जाएगा। | Rule 48(1) |
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2. Enhanced Family Pension
Enhanced family pension का मतलब है निर्धारित conditions और limited period के लिए मिलने वाली higher-rate family pension।
Point | Notes / Conditions | Vide Rule No. |
|---|---|---|
Death while in service—service requirement | Employee की कम-से-कम 7 years continuous service होनी चाहिए। . | Rule 49(1) . |
Death while in service—rate | Enhanced family pension की rate last emoluments का 50% है। . | Rule 49(1) . |
Death while in service—payment period | Compassionate financial assistance बंद होने के बाद 10 years तक payable होगी। . | Rule 49(1) . |
Meaning of continuous service . | 7 years continuous service में non-qualifying service भी include होती है, लेकिन boy service exclude होती है। Boy service से मतलब prescribed minimum age से पहले की service है। . | Note below Rule 49 . |
Death after retirement—rate . | Enhanced family pension, deceased pensioner की pension के बराबर होगी। . | Rule 49(2) . |
Death after retirement—payment period . | 7 years, या उस date तक जब deceased pensioner की age 65 years होती—जो पहले हो। . | Rule 49(2) . |
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3. Normal Family Pension का Example
Vide Rule 48(2)
यदि last emoluments ₹60,000 हैं:
Normal family pension = ₹60,000 × 30% = ₹18,000 per month
यदि last emoluments ₹25,000 हैं:
Calculated family pension = ₹25,000 × 30% = ₹7,500
यह amount prescribed minimum से कम है, इसलिए ₹9,000 per month minimum normal family pension लागू होगी।
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4. Enhanced Family Pension—Death While in Service
Vide Rule 49(1)
मान लीजिए:
Employee की continuous service 8 years है।
Last emoluments ₹60,000 हैं।
Enhanced family pension = ₹60,000 × 50% = ₹30,000 per month
यह compassionate financial assistance बंद होने के बाद 10 years तक payable होगी। Enhanced period समाप्त होने के बाद applicable normal family pension की rate 30%, यानी इस example में ₹18,000 per month, होगी।
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5. Enhanced Family Pension—Death After Retirement
Vide Rule 49(2)
मान लीजिए deceased pensioner की pension ₹30,000 per month थी:
Age at death | Enhanced family pension | Enhanced period |
|---|---|---|
56 years | ₹30,000 per month | 7 years, क्योंकि यह period 65 years की age वाली date से पहले समाप्त होगा। |
62 years | ₹30,000 per month | उस date तक जब deceased की age 65 years होती—लगभग 3 years। |
Actual payment period exact dates के अनुसार calculate होगा।
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6. Family Pension की Rounding
Vide Rule 48(1)
Calculated family pension | Rounding के बाद amount |
|---|---|
₹18,000.00 | ₹18,000 |
₹18,000.01 | ₹18,001 |
₹18,000.50 | ₹18,001 |
₹18,000.99 | ₹18,001 |
याद रखें: Normal family pension की rate 30% है। Death while in service के case में enhanced rate 50% है, जबकि death after retirement के case में enhanced amount deceased pensioner की pension के बराबर है। Enhanced family pension के लिए संबंधित service और payment-period conditions भी देखनी होंगी।
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