ACTIONS - ON DEMISE OF A PENSIONER OR FAMILY PENSIONER

 ACTIONS BY NOK ON DEMISE OF A PENSIONER OR FAMILY PENSIONER

1. This post is in an abridged form of the main POST on the SUBJECT and has been created here to provide quick guidelines on the actions to be taken. The demise of a family member specially the Pensioner is an utmost traumatic moment for the  NOK. However, the orderly transition of life in the absence of the Veteran has to be ensured.
2. The family friends will come forward to take on the immediate actions on themselves to help the traumatized family. But subsequent actions have to be taken on by the NOK and legal heirs, we are giving these here in brief however for elaborate details one must follow our detailed post at  ... (Contd)

NOTE - 1  :     With the activation of SPARSH there are few changes in Reporting the demise of a pensioner or the Family Pensioner & applying for Family Pension by the spouse. The entire process is on line on Pre-login SPARSH website. The family pension here gets quickly sanctioned id all details are correct and properly uploaded. This caters for the requirements of PCDA(P) and those of the Records Offices for sanction of the family pension. As regards others the intimations must be sent by post to them as explained later  in this post . Please go to the web post to see how this process is carried out as explained with screen shots. The web page is linked her as under :-

          https://signalsfamily.blogspot.com/2023/11/demise.html

NOTE - 2  :- A detailed check list of the actions needed and letters of intimation etc, which are required to be initiated on demise of a Defence Pensioner or Family Pensioner are also compiled and placed at the bottom of this post for the convenience of the NOK & family of the deceased.

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 the following web post :- 

 https://signalsfamily.blogspot.com/2015/08/actionsdemise.html

As regards this post we give only truncated para headings, for details of the para contents please go to the main post mentioned above.

IMMEDIATE ACTIONS

3. Immediate Intimations. Where death is sudden, the first requirement would be to convey the news to those near and dear ones whose presence is required for the imminent functions. Assistance of close friends and neighbours can be sought, if family members are not available. In case required, Intimation should be given to ADLR Staff of the URC on which dependent. In case the veteran had opted for "Organ Donation", or should the family wish to donate any of the organs, the concerned agency should also be informed at the earliest.

4. Deciding Venue and Timing of Events. A difficult, but early decision would have to be taken on the venue for the cremation .......

5. Intimation of Details of Funeral.
Preparation for Disposal of the Body
The Legal Aspects as under must be looked into to avoid any future issues before the body is disposed as per religious beliefs.

a) Natural Death. When ....

b) Unnatural Death. Any death arising .....

c) Post Mortem. A post mortem is a privilege of the immediate relatives. It can .....

d) Preservation of the Body. In some cases, it may be desirous to delay the disposal of the body to enable the arrival of some very near relatives. Ideally, the body should be .......

e) Arrangements for Hearse. Once the timings for disposal of the body have been finalised, arrangements .......

7. Actions Linked to The Funeral . While entering particulars of the deceased .....

SUBSEQUENT ACTIONS

8. All actions hereafter will be linked to the Death Certificate, which shall be accepted as proof of the demise of the veteran.

Death Certificate

9. Once the cremation/burial is done, death of ......
 At least 20 ink signed copies of the Death Certificate should be applied for,

Service Documentation

10.  The required intimation of the demise to service HQ is required to be done as early as possible so that the Family Pension of the Spouse can commence at the earliest. There are number of letters to be issued as given in para 19 below.  However once SPARSH is fully activated this can be done on line and there will not be any need to issue letters. In the mean time while in case the Pensioner had already been SPARSHed on line reporting route is feasible as on date but one is not sure, We have therefore recommended that in addition to the on line route one must also write a formal letter to various branches of the service HQ. 

        NOTE - We have drafted one single letter which can be printed and copies of the same can be submitted, The draft letter and the detailed instructions for its dispatch to all concerned are uploaded here and can be accessed  by CLICKING HERE

 .......
Obtaining a Probate of Will

11. Sec 213 (1) of the Indian Succession Act, 1925 states that a Legatee's, (a person who inherits under a Will) right to property bequeathed .......

12 In order to obtain Probate of Will, there are two legal requirements. Firstly, ....

13. In- case witnesses to the Will have predeceased or are not traceable, then .......

14. In case of a Will made by a Hindu, Sikh, Jain or Buddhists, probate is mandatory tor immovable .......

15. For obtaining a probate a petition has to be filed before the District Court under sec 374 of the Indian Succession Act along with......

16. In case person dies "intestate", i.e. without leaving a Will, his legal heirs will have to apply to the court for grant ......

17. If there are more than one claimant, then a joint application is filed by all heirs together.

18. On receipt of the petition, the District Judge shall fix a day .......
PENSION / SERVICE ISSUES

19. Intimation of Demise to Service HQ/ Offices. Intimation of demise would be required to be sent to Integrated HQ of MOD (Army), Adjutant Generals Branch, (MP 5 (b) Officer's Records), PS (4) and CW 8) and Corps Dte Gen (Coord Sec) , as well as to the local Station HQ, Regional Centre ECHS, ECHS Polyclinic, Col of the Regt, The Regimental Centre and Zila Sainik Board. A compendium of the suggested drafts draft letters which can serve as guidelines are given at & are accessible from our cloud storage - "CLICK HERE"

Copy of a letter for SERVICE HQ which after filling in relevant details be posted by Registered Postal Mail, is appended at Appendix ‘K’. T.....

20. Claiming of AGIF Extended Insurance Cover. A letter to claim Extended Insurance Cover is placed at Appendix ‘L’.

21. Claiming of AOBF Demise Grant. Appendix M. ( Since discontinued )

22. Family Pension. Where the endorsement for entitlement of Family Pension exists in the PPO ...... Appx N

23. Canteen Card. At an appropriate time, action ......

24: Widows Identity Card From Zila Sainik Board. In due course, the identity Card issued to ......

25. The early resolution of financial issues should be a matter of priority for the NOK. The RBI has ......

NOTE -   FOLLOWING  ACTIONS ARE COMMON IN RESPECT OF  PENSIONER AS WELL AS THE  FAMILY PENSIONERS:-

BANK DEPOSIT ACCOUNTS

26. In case of deposit accounts ......... the bank's liability provided:-
                        a) The bank has ......

27. Since payment to the Survivor or Nominee, subject t.....

28. Where nominations have not been .....
Bank Lockers

29. With regard to providing access to Bank Lockers to NOK.....

30. However, where nomination has not been made, or "Survivor" clause ......
PO Accounts - MIS/ FD/RD / SB Ac

31. The procedure for making claims for Post Office Savings Instruments is slightly more complicated .......

32. The rules relevant to various types of accounts ...... LINKS

33. Claim Procedure. Claim will be made ....

34. Determination of Account Balance. The balance in different types of accounts will be determined as follows:-......

35. Application Forms . The application forms for different contingencies can be downloaded from ...... link

NSC

36. Premature Encashment. Premature encashment is permitted only on the death of the holder. In case valid nomination is held or legal evidence is a......

37. Application Forms. The application forms for different contingencies can be downloaded from the following sites:-
a) Nomination. Application Form placed at Appendix P.
b) Legal Evidence. Application Form placed at Appendix a.

Bank I PO Accounts

38.......

PPF Accounts.

39. On the death of a subscriber, .....

40. The application for such withdrawal is to be submitted on Form 'G'. ......

41. In case of death of the depositor before maturity, ......

42. The request for closing of the account and release of the balance shall be submitted on Form ‘F’. .....

Life Insurance Claims

43. intimation of a Claim should ....

44. The Claim will be filed subsequently, .......... (IRDA).

45. A detailed article on the subject.....


Credit Cards

46. ........

Transfer of Immovable Property

47 - 53 READ DETAILS

54. Follow Up Actions. No delay should be permitted after .......

Transfer of Movable Property

55. Transfer of Ownership of a Car

56. to 58

Disposal of NSP Weapon .

An early decision would ........

Finalising Income Tax Issues ·:·

Even on the demise- of any individual, the income tax issues cannot be deemed to have been automatically settled. There may be tax refunds due, or tax may be due to the government. You can.forget the former, but the government will not forget the latter, hence it is a must that the legal heir should file the final return of the deceased. There is a special post on filing the final return in this web site which gives detailed procedure to file such income tax return on behalf of the deceased Pensioner or the Family Pensioner.

https://signals-parivaar.blogspot.com/2017/07/page-0118.html
     Please note that .........

CHECK LIST -- ACTION TO BE TAKEN ON DEMISE OF PENSIONER.

(a) Death if due to accident or unnatural causes should always be reported to the Police Station in whose jurisdiction the area falls. It avoids lot of troubles later on. In such cases get the autopsy done to establish proper cause of death.

(b) Do obtain two ink signed copies of Medical certificate specifying cause of death from the Hospital or the authorized Medical Practitioner. One of these is required by the authorities at the cremation/ burial ground. The other is required by the authorities (Registrar of Deaths & Births) who issues Death Certificates. Obtain cremation/burial certificate from the cremation/burial ground.

(c) A close relative should apply for issue of Death certificate within 15 days of the death of the pensioner/ deceased. Obtain at least 20 ink signed & equal number of Photostat copies duly attested by a class one officer.

(d) Write to the Pension paying Bank Intimating them of demise of the pensioner, asking them to discontinue the pension of the pensioner and payment of the family pension of the spouse l N O K (give name). Enclose ink signed death certificate & copy of the original P P O having joint photograph of the pensioner & spouse/ NOK. Also state PPO and pension S /B A/C numbers.. Sample Application form as at Annexure

(e) If the Pension A/c is a joint account or the spouse is a nominee in it Then it is simpler to operate the same A/C for family pension, otherwise a fresh S/ B A/C is to be opened in the same bank. It requires proof of Identity
and proof of Residence. Photo copy of voter I Card! PAN card will suffice - with three copies of attested photographs

(f) Write separately to Pension sanctioning Authority, PCDA ( P) to start family pension, on demise of the pensioner and enclose ink signed copy of death certificate:-Sample Application is at Annexure

(g) In the case of Retired Army Pensioner Write to the A Gs branch (MP-5, CW 4) to update their records. & to Pay Platinum Grant if Applicable As per Annexure.

(h) If the age was less than 70 years write to Army Group Insurance Fund (AGIF) to Make payment of life insurance amount. Application Performa at Annexure

(i) Return Retired Officers I Card to Area HQ (lnt Br.) for further Disposal.

(j) If there are other Insurance Policies write to them to pay Insurance amount.

(k) . Write to all banks wherein the pensioner has his accounts to transfer closing balances to the spouse / N O K giving bankers address, a/c number.

(I) Write to Regional Transport Officer to transfer the Automobile to the NOK

(m) Write to Arms Licensing Authority to transfer the weapon (if any) to the NOK meanwhile deposit the weapon(s) in concerned Police Station Arms Dealer for safe custody. The NOK should apply forArms License at the earliest.

(n) Write to Electricity Providing Agency to transfer the meter in the name of spouse/NOK and start further billing against that name.

(o) Write to the Telephone providing Agency to Change the name of the subscriber, transfer the connection to the name of the Spouse/NOK for further billing

(p) Apply to AWHO to transfer the dwelling unit to the spouse/NOK. Performa for Application should be obtained from the AWHO / Welfare Society . The Society has to render No Objection Certificate (NOC).stating that there is No encroachment of common land, No major modification to the Approved design and all Dues to the Society has been cleared. If not already done you may have to do it before they issue NOC

(q) Write to all the clubs & societies to transfer the membership to the spouse/NOK

(r) Write to all Debtors to clear all dues and make payment to the Spouse/NOK.

(s) Clear the outstanding dues if any of the Creditors and credit cards and loans taken if any. Return the credit cards to the Bank concerned.

(t) Some of the banks may have issued Insurance certificate for the amount of FD/Bank Balance then claim it.

(u) Write to Income Tax authorities to intimate death of the Pensioner to close his Income Tax file and open Income Tax file in the name of the Spouse/NOK Quoting PAN number of both.

(v) Write to the Municipal Authorities to Close Property case file of the deceased person and open it in the name of the spouse/NOK

(w) Approach the district Courts for Probate of the WILL, if it is in possession, otherwise obtain a Succession Certificate. From the District Judge.

(x) Obtain Probate of WILL (if held) otherwise succession certificate is required from the District Judge under Indian Succession Act 1925.

 

These Instructions are repeated at the end  to be used as a check list.

THERE ARE LARGE NUMBEERS OF LETTERS TO BE ISSUED TO VARIOUS AUTHORITIES ON THE DEMISE OF A PENSIONER OR THE FAMILY PENSIONER ENCLOSING THE ORIGINAL/SELF AUTHENTICATED  DEATH CERTIFICATES. IT IS SUGGESTED THAT THE FAMILY SHOULD OBTAIN MIN OF 20 ORIGINAL COPIES OF THE DEATH CERTIFICATE FROM THE REGISTRATION AUTHORITY.

    WHILE WE HAVE GIVEN FEW URGENT LETTERS WHICH SHOULD BE ISSUED IMMEDIATELY AS UNDER IN THIS POST, A COMPLETE SET OF THE DRAFT  LETTERS AS MENTIONED ABOVE  IS ALSO AVAILBLE ON THIS SITE . PLEASE CLICK HERE TO ACCESS THE COMPLETE SET OF THE DRAFT LETTERS.  DO TAKE TIME TO ISSUE ALL THESE AS SOON AS POSSIBLE.

      

       PLEASE MODIFY THE LANGUAGE OF THE LETTERS GIVEN HERE SUITABLE FOR THE FAMILY PENSIONERS.

       DONOT FORGET TO FILE THE LAST INCOME TAX RETURN OF THE DECEASED.

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NOTE :- In addition to the Draft Letters made available on our cloud storage ( DOWNLOAD by  CLICKING HERE ) as mentioned above, which are  required to be initiated on the demise of a Defence Pensioner we have also placed below few important ones which must be issued earliest, duly formatted in MS WORD  for ease of copy pasting and printing after modifications. 

         ********************  *************** ************  

      PLEASE MODIFY THE DRAFTS WITH RELEVANT DETAILS PERTAINING TO THE PENSIONER OR FAMILY PENSIONER.

                     **********       ********** ******* 

DRAFT LETTER FOR THE PDA BANK - COMMENCING FAMILY PENSION

From :-  Mrs Raj Kaur Randhawa W/O IC 2xx45W  Late LT COL KS Randhawas , SIGNALS, #3084, Pres Sunny Oak, Near New  Gurukulam  Karl Road ,  PHAGWARA- 140103,                 

 Mob -   953XXXXX043       Email -  raj56@gmail.com               Date           /2023

To:-

The Manager

SBI, PBB Branch,

80 Felt Road, ,

Phagwara

Subject  : Intimation of Demise of IC-2XXXX5W   Late LT COL KS Randhawas , SIGNALS,  and Commencement of Family Pension to Me (Spouse)

Sir,

1.   Kindly refer to our  Joint Pension Account No 109666666652 held in your bank through which my late husband was in receipt of his retiring pension  vide  PPO No M/007861/1896].

2.   I regret to inform you that my husband Lt Col KS Randhawaill expired on 28th February 2023. He was drawing pension through your bank. A Copy of his Original Death Certificate issued by   the Registrar of Births and Deaths is appended herewith for your records.

3.   My name is included in the above PPO for payment of family pension and I am also the joint account holder of the pension account as above with your bank.

4.   In view of the demise of my husband, it is requested that his pensionary benefits may be discontinued with effect from 01 March 2023.  As per the existing provisions you are requested to commence my Ordinary Family Pension wef 01 Mar 2023, ie day following the date of death into the said account.

5.   I will like to receive my family pension through the same bank account mentioned above in terms of para 10 of the RBI Master Circular dated 01 Apr 2021 and para (lll) of Govt of India DOPP Consolidated Instructions to PDAs dated 15-May-20.

Thanking You,                                                 Yours Faithfully,

 

                                                                      (Mrs Raj Kaur Randhawa)

 

Copy forwarded for Information and necessary action

along with a copy of the self-attested Death Certificate

to the following: -

    1.  PCDA (Pensions) ,

Draupadi Ghat,

Allahabad (UP) PIN  211014

2.  PCDA(Offrs) - (Archives}   

Golibar Maidan, Pune,411001. 

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DRAFT LETTER FOR INTIMATION OF THE DEMISE OF A family  PENSIONER

 From : -  Mrs HARINDER KAUR D/O LATE   IC -15XXX   LT COL    KHUSHWANT RAJIV SINGH , SIGNALS , 21 NEHRU VIHAR PUNJABI BAGH , NEW DELHI 110099                                                                                                                             Date ----- …….. ……..

To:-

·         Adjutant General's Branch, ADG MP (MP 5 (b))

IHQ of MOD (Army),West Block Ill, R K Puram, New Delhi 110066

·         PCDA(Pension) , Draupadi Ghat, PRYAGRAJ  (UP) 211014.

·         Adjutant  General's  Branch, ADG PS (PS 4)

IHQ of MOD (Army), Sena Bhawan, DHQ PO,New Delhi 110066

 

SUB :  INTIMATION OF DEATH OF FAMILY PENSIONER SMT GOMTI SINGH  W/O LATE   IC -15XXX   LT COL    KHUSHWANT RAJIV SINGH , CORPS OF  SIGNALS

 Sir,

1.            I regret to inform you that my mother Mrs GOMTI SINGH  w/o late   IC 15XXX  Rank Lt Col  KHUSHWANT SINGH RAJIV expired on 08 Jan 2023 at Delhi.  She was in receipt of Family pension through PNB Branch …. ,    City …………….  Acct No ………………………………… (PPO No, ………………………………….. ) .

 2.   It is requested that her Family Pension may kindly be stopped wef 09 Jan 2023 , the day following the death. There are no eligible dependents for family pension after her death.

3.  One original Copy each of the Death Certificate issued by the Registrar of Births and deaths is attached for the first and the third addressee and self-authenticated copy each of the same is attached for other addressees for Reference.

Yours Faithfully,

 

 

(Ms Harinder kaur)

 Copy to:-

·         Station HQ, Delhi Cantt  -  Dependent  Identity Card issued by HQ………………Area and bearing Machine Number …….. is appended for further disposal.

 

·         REGIONAL Centre ECHS, City -   ECHS CARD No …….  may kindly be blocked in the ECHS System

 

·         ECHS Polyclinic,-    ADDRESS     As above -

 

·         CSD Canteen (on which dependent) – Canteen and liquor Cards No,  ……………. are returned herewith please ack receipt.

 

·         Dte Gen of Signals, Sena Bhawan, DHQ PO, New Delhi 110010 -     for Info and records

 

 

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DRAFT LETTER FOR REPORTING DEMISE OF A SERVICE PENSIONER TO OFFR'S RECORDS. (MOST IMPORTANT) AND OTHER DIRECTORATES

From :-  

Mrs Raj Kaur Randhawa W/O IC 2xx45W  Late LT COL KS Randhawas , SIGNALS, #3084, Pres Sunny Oak, Near New  Gurukulam  Karl Road ,  PHAGWARA- 140103,                 

Mob - 953XXXXX043   Email -  raj56@gmail.com   Date           /2023

To

*Adjutant General's Branch, ADG MP (MP 5 (b))

IHQ of MOD (Army), West Block Ill, R K Puram, New Delhi 110066

*Adjutant  General's  Branch, ADG PS (PS 4)

IHQ of MOD (Army), Sena Bhawan, DHQ PO,New Delhi 110001

*Adjutant  General's Branch, ADG CW (CW S)

IHQ of MOD (Army),West Block Ill, R K Puram, New Delhi 110066

 Subject  : Intimation of Demise of IC-2XXXX5W   Late LT COL KS Randhawas , SIGNALS,  [PPO No M/003X51/1986]

 Sir,

1.         I regret to inform you that my husband, IC-2XXX5W   Late LT COL KS Randhawas , SIGNALS,  left for his heavenly abode on 20 FEB 2023 at JULLUNDUR (PB).

 2.         One original Copy of Death Certificate issued by the Registrar of Births and deaths is attached for the first addressee and self-attested copies of the same are attached for other addressees for Reference and Records.

Yours truly,

 

 

(Raj Kaur Randhawa)

Copy to:- 

Station HQ, Begaluru  -  Retired Officer's Identity Card (IAFZ 2015A) no, ……              issued by HQ   ………………  Area and bearing Machine No, ……..     is appended for further disposal. A copy of the disposal certificate may kindly be forwarded to us

 Dte Gen of Signals,

IHQ of MoD (ARMY), Sena Bhawan,

DHQ PO, New Delhi - 110001

 

                    ***************** *************** **************** ****

DRAT LETTER FOR ARMY GROUP INSURANCE EXTENDED POLICY

From:­

             Name      

              House No.              

              Tele No     , Mob

               Address

             File No.                                                                                           Date

To

Chairman,Army Group Insurance Fund

AGIF House,

Rao Tularam  Marg,

NEW DELHI  - 110010

Sir,

Sub:-   ENCASHMENT OF EXTENDED ARMY GROUP INSURANCE POLICY

Ref.  Extended Army Group Insurance Certificate No.                    issued to   IC No.               Rank

Name                                                      of Corps of signals. (Encl in original)

1.      I regret  to inform you that my spouse, I C. No.                                   Rank                    Name                                                                                                  has expired on at

Has expired on    ………..  …..  2011, His/Her Death Certificate issued by   ……………            is enclosed for ready Reference.

2.     I am enclosing the Extended Army Group Insurance Certificate for encashment duly completed in all respect. His date of birth is 18/02/1942. Kindly send the cheque of the sum assured to me on my address as given above. My Bank details are as under:­-

SSB A/C No.       

Name and address of my Bank

Thanking you in anticipation, Yours Faithfully

Signature

(Name)

                ************* ************ ************                                                               

CHECK LIST -- SUMMARY OF ACTIONS REQUIRED

1.            In case of death due to accident lodge an FIR with the nearest Police Station, and get their written permission before last rites are performed.

2.            Arrange last rites even in cases of natural demise only after getting Medical Certificate of cause of Death from a doctor (Authorized Medical Practice nor). Intimate time of Funeral and CHAUTHA/UTHALA/ Prayer meeting to all concerned preferably through an insertion of obituary in News Papers(s).

3.            Apply for and obtain Death Cetificate-20 or more copies from the Office of Registrar of Births and Deaths/ Municipal Authority. These are required to be submitted with all claims.

4.            Forward the information with certified photocopy of Death Certificate To the following:­

(a) PCDA (Pension), AG's Branch MP 5 (b) and PS4.

(b) Army Officer's Benevolent Fund for Payment of Platinum Grant. (c) AGIF For settlement of life Insurance cover as applicable

(d) Station HO To surrender Identity Card of the deceased Officer and Issue of CSD Canteen Card.

(e) Bankers forfamily Pension, FD's Loans (if any), PPF and Locker:

(f) Clubs For transfer of membership or refund of security deposit as applicable.

 (g) Municipal Authority/AWHO/DDA/NDA/GNDA/HUDAILOCAL Development Authority For transfer of House /Apartment to a single name of the surviving spouse as per WILL of the deceased.

 (h) MTNUBSNUTELECUM COMPANEY For transfer of tale connection and future billing.

(i) BSES/NDPULOCAL ELECTRICITY DEPARTMENT               For transferring of electric connection and future billing in the name of the house owner.

  (j)            ITO For closing of file of the deceased and linking up with the files of the beneficiaries and for wealth Tax assessment.

   (k) Licensing Authority for motor vehicles, Personal Arms and Tractors etc For Transfer of Ownership.

    (I) LIC/GIC/Insurance Companies/Banks for insurance policies covering Life, Medical, Vehicles and property etc.

    (m) Secretary Zila Saink Board For issue of Ex-Servicemen widow's Identity card.

5.            Obtain Probate of WILL (if held) otherwise succession certificate is required from the District Judge under Indian Succession Act 1925.



CHECK LIST  - ACTIONS BY THE FAMILY IMMEDIATELY AFTER PENSIONER'S OR FAMILY PENSIONER'S  DEMISE

1. Collect ‘Death Certificate’ (minimum 25 original copies) from Corporation/competent authority. 
2. Send original copy of death certificate with a simple covering letter giving all service particulars (No; Rank; Name; Dates of recruitment, marriage, retirement, death; Name and relationship of Next of Kin; …..  ) to the following:
a. Record Office and Service Headquarter 
b. The Canteen Manager (CSD) with Canteen Card, if issued only in husband’s  name along with the application for issue of new card in your name. 
c. The Branch Manager of Your Bank (from where pension was being paid.) asking them to commence family pension from the date of demise of your husband.  Indicate bank account number in the beginning of the letter. 

Note: The family pension is % 50% of husband’s pension. Please see that the bank starts giving the family pension in 2 or 3 months time. If not, ask the bank in writing and in person to credit correct pension amount. If you fail to do this you will keep receiving your husband’s original pension and when the Bank realizes its mistake, the bank will recover the additional amount paid by them through heavy monthly installment.         
3. Return following documents of your late husband as indicated against each: 
a. Armed Forces Identity Card: To the issuing authority. 
b. Identity Card by Zila Sainik Welfare Org —Local District ZSWO and apply for fresh card for yourself.  
c. ECHS Card – To ECHS Regional Office if issued only in husband’s  name
4. Destroy the following cards immediately: 
a Husband’s Credit / Debit Card
b Husband’s Driving License
c Husband’s PAN Card - After submission of his last Income Tax Return after demise.
5. Inform nearest hospital/MH within prescribed time limit for action if your husband has pledged to donate  organs.
6. Please note that the FOLLOWING BENEFITS are payable to you:
a Pension at current rates with DA from next date of death of husband by Bank. 
b A one- time grant from ZSWO. 
c One-time payment for funeral expenses from your CSD Canteen. 
d Monetary allowance if your husband was awarded gallantry award. 
e Two pensions with effect from 24 Sep 12 or from next day of death of husband in case he was drawing two pensions , one from Armed forces  and second from other Govt. Dept/ PSU/ Ministry/ State Govt./ Ordnance Factory/ Bank etc .For further details contact ESM Org for help. 
f Full income tax exemption for entire pension amount under I T Act, if your husband was a recipient of a gallantry award.
7. Submit declaration of savings under Section 80C in April every year to your bank (in their Format) to avoid excess recovery of income tax. 
8. Never put your signature on a blank paper or other documents. Sign the document only when you have read and/or understood its implication after signing. 
9. Make a will well in time for distribution of wealth and property. 
10. Inform Records/ Service Headquarter whenever you change your permanent address from earlier recorded address.   
Notes: 
• Your disabled child who is medically unfit to earn his/her own livelihood, unmarried daughters including widowed and divorced whose consolidated income is not more than Min Pension + DA are eligible for family pension after you. Please refer to the detailed post in this regard on this blog site.

• Your family pension will continue even if you re-marry. 

*********************************************** WE SOLICIT YOUR COMMENTS AND OBSERVATIONS ON THIS POST      Dear Veterans, 1. We at Signals-Family Portal are ordinary people in various matters concerning serving and Retired Govt Personnel, as such, do heavily bank upon inputs from our readers. Kindly do add, comment and give your observations on this or any other post aimed at improving the posted contents for the benefit of the veterans community. 2. Kindly post these under the comments, we will much appreciate your contribution in this regard. 3. In order to avoid spam and unwarranted or mischievous posts, only such entries will get published where the Person has given his RANK, NAME @ EMAIL ID at the end of his/her text. 4. We will do our best to post our response as quickly as possible after getting the facts vetted from offrs, JCOs and men who are more knowledgeable on particular subject. With best wishes                                                                                                                                     Sincerely yours,                                                                                                                    Brig Narinder Dhand (Veteran)                                                                                       **********************

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 ब्रिगेडियर_नरेन्द्र_ढंड

Brig Narinder Dhand,

Founder & Convener

Veteran's Web Portals.

NOTE - Join our PARIVAAR On Line CLICK HERE   OR -  send your Rank and Name, Regt/Corps , Email ID and City to our Member Coord  at " mgr.grps@gmail.com " for Registration to get regular updates on Veteran's issues regularly.

************** PLEASE DO WRITE TO US **************

WE WELCOME YOUR COMMENTS , QUERIES, REMARKS AND SUGGESTIONS ONCE THESE ARE PLACED UNDER THE COMMENTS BELOW.

1. Kindly post your remarks under the comments below ending the same with your RANK , NAME and YOUR MAIL ID. Comments posted without your identification, we are sorry, will not be published.

2. Our aim at SIGNALS-PARIVAAR is to guide so that you can work on it as a "DO IT YOURSELF" exercise. Ours is a "NISHKAAM SEWA" to our Community.

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