A promotion unless to a honorary posting, should fetch some monetary benefit to the employee. But it’s no so after implementation of Sixth Pay Commission report. You would get a promotion and yet you are not sure of receiving any pay hike.
I feel this disorder has been caused not because of the government orders but the wrong interpretation of the same. It is causing considerable financial loss to certain employees in the form of denial of increment at the time of promotion.
This is the Audit Observation of SRU and PAOs that causes the problem:
“As per Rule 13 of CCS Revised Pay Rules 2008, fixation will be done only in case of promotion from one grade pay to another in the revised pay structure. As such, no fixation benefit in the form of increment equal to 3% of Pay Band +Grade pay should be allowed where there is no change in grade pay due to promotion.”
The cadres affected by this wrong interpretation are :
Case 1: When Superintendents who got the grade pay of Rs.5400 as on 1.1.2006, are granted ACP to the pre-revised scale of 8000-14000 from the pre-revised scale of 7500-12000, pay fixation with 3% increment is denied to them, on the notion that it is only an ACP to the next grade that carries same grade pay.
Case 2: Administrative Officers promoted from DOS cadre, DOS from STA cadre, Inspectors from STA cadre, and Havildars promoted from Sepoys cadre have been badly affected by this wrong interpretation.
Case 3: A Deputy Office Superintendent after completion of service of more than 18 years, which includes the service of a decade or more in the junior cadres like TA/STA/UDC/LDC etc, is promoted now as AO and transferred from one end to the other end of the State. Do you how much his pay hike will be for this promotion? A Big Zero !
Case 4 : So is the case of a Senior Tax Assistant who has been promoted as Deputy Office Superintendent and under the orders of transfer from one end to the other end of the State without any change in his pay as a result of the promotion.
A close look at Rule 13 of CCS Revised Pay Rules 2008, that provides the procedure for fixation on promotion after 01/01/2006 could throw some light on this issue.
“ 13.fixation of pay on promotion on or after 1.1.2006- in the case of promotion from one grade pay to another in revised pay structure, the fixation will be done sa follows:-
(i) one increment equal to 3% of the sum of the pay in the pay band and the existing grade pay will be computed and rounded off to the next multiple of 10.This will be added to the existing pay in the pay band. The grade pay corresponding to the promotion post will thereafter be granted in addition to this pay in the pay band. …”
The portion where the audit team got stranded was put in the bold letters above, viz., Promotion from one grade pay to another “. However they have not given attention to the clear wordings under the same Rule (i) which is also put in the bold letters above – “the Grade pay corresponding to the promotion post”. At the time of release of 6CPC notification itself we discussed the adverse effect of this Rule in GConnect, especially in the case of uneven merger of three or four non-gazetted and gazetted cadres under one Grade Pay.
By understanding the field level problems, a Clarification was issued in OM No.F. No.1/1/2008 IC dated 13/09/2008 by the Government which reads as follows
“Clarification 2: The method of fixation of pay on promotion after 01.01.2006
On promotion from one grade to another/financial upgradation under ACP, a Government servant has an option under FR 22(I)(a)(1) to get his pay fixed in the higher post either from the date of his promotion, or from date of his next increment, viz. 1st July of the year. The pay will be fixed in the following manner in the revised pay structure:-
(a) in case the Government servant opts to get his pay fixed from his date of next increment, then, on the date of promotion, pay in the pay in the pay band shall continue unchanged, but the grade pay of the higher post will be granted…”
The words coined under Rule 13 as “Promotion from one Grade Pay to another” has been changed in the form of clarification dated 13.09.2008 mentioned above to the extent that “On promotion from one Grade to another grade”, to rectify the mistake that is causing the pay fixation problem we are discussing so far. So, if an employee promoted from one grade to the other, he is entitled for pay fixation with an increment of 3% irrespective of the fact that both the grades from and to which the employee was promoted carry same grade.
With the clarifications issued further by the Government, even the very little ambiguity that prevailed has been sorted out now. Thus the audit /SRU teams are to review their stand on this issue.
If the audit/SRU teams and PAOs are still persisting with those 7 words i.e. promotion from one grade pay to another, following fundamental things are under Question.
What will be the use of forming a DPC for promotion, if no pay benefit accrues to the promoted employee?
What is the fun in shuffling the employee across the State in the name of a promotion without any pay Benefit?
Wednesday, November 18, 2009
ENHANCED GRADE PAY FOR INSPECTORS
In line with the enhanced grade pay of Rs.4600/- granted to certain cadres such as income tax, customs and central excise Inspectors who were drawing pay in the pre-revised scale of Rs.6500-10500, Assistants and PA of CSS, Armed Forces Headquarter service, Indian Foreign Service “B” and Railway Secretariat Service and counter part stenographer Services have also now been granted the grade pay of Rs.4600/-
Monday, November 2, 2009
Do Govt Employees need Health Insurance ?
“Why should I go for a Health Insurance if I am a Government Employee? I am already covered by either CGHS or Medical Attendance Rules.” This may be your thought process when you start reading this article.
But the reality is in case of an unfortunate event like you or your family members had to be admitted in a good hospital for a medical treatment, the present health schemes such as CGHS or Medical Attendance Rules might not cover the entire medical expenditure as these schemes have a cap in the form of package or schedule rates. And the net result is you will not be reimbursed with what you had actually paid to Hospital. Willhealth Insurance schemes could come in handy at these kind of situations ?
Answer for this question may not be affirmative if you had asked this question last year. Because till last year Government norms for claiming medical reimbursement and Health Insurance claim simultaneously was bit stringent as the total of reimbursement from the government and the health insurance claim shall not exceed the package rate prescribed by the Government. In other words there was no additional benefit in taking a health insurance policy if you are a government employee.
However, this year this condition has been relaxed. We can claim medical reimbursement from Government as well the hospitalization expenses from the Insurance Company, provided the total claim should not exceed the actual expenditure.
Click here to go through this earlier article on GConnect about Govt orders on claiming medical reimbursement as well as insurance claim
Be an early bird:
Also most people tend to think that Health Insurance is something that they need to think about only when they grow old.
However, the fact is Health insurance premium tends to increase with age - more the age, higher the premium. So insure at a young age. So that your insurance gets fixed at a low cost and by the time you grow old and the money become dearer, your insurance premium cost will be almost negligible.
Stay insured:
The other truth is that health insurance protects you in case you become seriously ill or meet with an accident. A sudden accident, loss of health or natural disaster can happen to anyone. Such situations can drastically alter a person’s life, causing loss of income and inability to pay bills. So, it makes sense to stay insured
Cost of Health Insurance:
A health insurance policy not only covers the cost of financial losses when disaster strikes, but also helps you tide over emergency medical bills due tohospitalization. If you think your health insurance premium is expensive, just wait till you receive a medical bill.
Even if someone is down with jaundice or malaria and requires hospitalization for a couple of days, his hospital bill could range from anywhere between Rs 15,000 and 25,000 depending on the hospital. And in these days of rising health care costs, imagine a chronic diabetic who needs insulin injections everyday, some one who needs frequent dialysis/chemotherapy or someone who needs continuous medication to keep living.
While taking a survey of the Health Insurance premium cost, we just found that at a cost ranging from Rs. 100 to Rs 200 per member per month, a family consists of 4 members viz., husband in the age of 40, wife in the age of 36 and two kids in the age of 12 and 7, could be covered with thehealth insurance benefits of Rs.2 lakhs per year. The following is the chart containing premium cost per year for a sum assured amount of Rs.2 lakhs for the family consists of 4 members as narrated above.
health-insurance-1
Please note that this is not a campaign to the insurance companies mentioned in the chart. There may be other insurance companies which could offer good rates than the premium cost mentioned in this chart. This is just an indication to emphasize thatinsurance premium costs are affordable. Readers are advised to verify the health insurance schemes offered by various companies before choosing the right one that suits them.
What are the other benefits of taking a Health Insurance policy?
The immediate benefit of taking up a Health Insurance policy is the Tax benefit that you can enjoy under section 80 D of the Income Tax Act.
Do not worry if you do not have adequate money to pay for sudden hospitalization or surgery. Your health insurance policy offers a cashless hospitalization facility. This facility is a great help since one doesn’t have to run around in the middle of the night to collect cash for paying up large deposits prior to admission.
If a person gets hospitalized all his medical expenses 30 days prior to hospitalization and 60 days post hospitalization will be covered. This includes nursing expenses, diagnostic and medical expenses, surgery, anesthesia cost, doctor’s expense, specialist fees, scanning, x-ray, ambulance expense, oxygen, operation theatre expenses, and cost of surgical appliances, room expenditure, day care expense and similar expenses.
There are few treatments which due to technological advancement are done as an outpatient, that is, you need not have prolonged hospitalization. These treatments are also covered under health insurance.
Reduced Health Insurance Cost over the period if no claim now:
If you are a non-claimant don’t think that your money is wasted. In fact, a Health Insurance policy is most advantageous to you when you do not claim for the first few years and stay insured continuously. You will not only enjoy the Incometax benefits under Section 80D of the IT Act, but also your sum insured gets increased without paying any extra premium by way of cumulative bonus. Or you can keep the sum assured constant and start paying lesser premium.
But the reality is in case of an unfortunate event like you or your family members had to be admitted in a good hospital for a medical treatment, the present health schemes such as CGHS or Medical Attendance Rules might not cover the entire medical expenditure as these schemes have a cap in the form of package or schedule rates. And the net result is you will not be reimbursed with what you had actually paid to Hospital. Willhealth Insurance schemes could come in handy at these kind of situations ?
Answer for this question may not be affirmative if you had asked this question last year. Because till last year Government norms for claiming medical reimbursement and Health Insurance claim simultaneously was bit stringent as the total of reimbursement from the government and the health insurance claim shall not exceed the package rate prescribed by the Government. In other words there was no additional benefit in taking a health insurance policy if you are a government employee.
However, this year this condition has been relaxed. We can claim medical reimbursement from Government as well the hospitalization expenses from the Insurance Company, provided the total claim should not exceed the actual expenditure.
Click here to go through this earlier article on GConnect about Govt orders on claiming medical reimbursement as well as insurance claim
Be an early bird:
Also most people tend to think that Health Insurance is something that they need to think about only when they grow old.
However, the fact is Health insurance premium tends to increase with age - more the age, higher the premium. So insure at a young age. So that your insurance gets fixed at a low cost and by the time you grow old and the money become dearer, your insurance premium cost will be almost negligible.
Stay insured:
The other truth is that health insurance protects you in case you become seriously ill or meet with an accident. A sudden accident, loss of health or natural disaster can happen to anyone. Such situations can drastically alter a person’s life, causing loss of income and inability to pay bills. So, it makes sense to stay insured
Cost of Health Insurance:
A health insurance policy not only covers the cost of financial losses when disaster strikes, but also helps you tide over emergency medical bills due tohospitalization. If you think your health insurance premium is expensive, just wait till you receive a medical bill.
Even if someone is down with jaundice or malaria and requires hospitalization for a couple of days, his hospital bill could range from anywhere between Rs 15,000 and 25,000 depending on the hospital. And in these days of rising health care costs, imagine a chronic diabetic who needs insulin injections everyday, some one who needs frequent dialysis/chemotherapy or someone who needs continuous medication to keep living.
While taking a survey of the Health Insurance premium cost, we just found that at a cost ranging from Rs. 100 to Rs 200 per member per month, a family consists of 4 members viz., husband in the age of 40, wife in the age of 36 and two kids in the age of 12 and 7, could be covered with thehealth insurance benefits of Rs.2 lakhs per year. The following is the chart containing premium cost per year for a sum assured amount of Rs.2 lakhs for the family consists of 4 members as narrated above.
health-insurance-1
Please note that this is not a campaign to the insurance companies mentioned in the chart. There may be other insurance companies which could offer good rates than the premium cost mentioned in this chart. This is just an indication to emphasize thatinsurance premium costs are affordable. Readers are advised to verify the health insurance schemes offered by various companies before choosing the right one that suits them.
What are the other benefits of taking a Health Insurance policy?
The immediate benefit of taking up a Health Insurance policy is the Tax benefit that you can enjoy under section 80 D of the Income Tax Act.
Do not worry if you do not have adequate money to pay for sudden hospitalization or surgery. Your health insurance policy offers a cashless hospitalization facility. This facility is a great help since one doesn’t have to run around in the middle of the night to collect cash for paying up large deposits prior to admission.
If a person gets hospitalized all his medical expenses 30 days prior to hospitalization and 60 days post hospitalization will be covered. This includes nursing expenses, diagnostic and medical expenses, surgery, anesthesia cost, doctor’s expense, specialist fees, scanning, x-ray, ambulance expense, oxygen, operation theatre expenses, and cost of surgical appliances, room expenditure, day care expense and similar expenses.
There are few treatments which due to technological advancement are done as an outpatient, that is, you need not have prolonged hospitalization. These treatments are also covered under health insurance.
Reduced Health Insurance Cost over the period if no claim now:
If you are a non-claimant don’t think that your money is wasted. In fact, a Health Insurance policy is most advantageous to you when you do not claim for the first few years and stay insured continuously. You will not only enjoy the Incometax benefits under Section 80D of the IT Act, but also your sum insured gets increased without paying any extra premium by way of cumulative bonus. Or you can keep the sum assured constant and start paying lesser premium.
MNS wing protests university's fee hike
MNS wing protests university's fee hike
MUMBAI: Activists of the Maharashtra Navnirman Vidyarthi Sena (MNVS), the students' wing of the MNS, stormed Mumbai University's office at Fort
on Saturday afternoon and gheraoed registrar K Venkatramani to protest against a fee hike.
MNVS vice-president Sainath Durge, who heads the Mumbai University cell of the students' wing, said, "The varsity has increased the fees for courses, such as MCom, MA, MSc and PhD, by 50% to 300%. They claimed that they had hiked the amount as the government had implemented the Sixth Pay Commission.'' The MCom fees, which was Rs 3,000, has now been raised to Rs 11,000. A student said, "The hike came all of a sudden. The officials announced the rise of fees for 15 post-graduate courses, including MSc in computers and MCom. The fees of some of the courses have been hiked by as much as 300%.''
A discussion on the rise of fees was first held in February and subsequently, the final decision was taken on August 7. A circular on the hiked amounts was issued on October 6. "What surprised us is that the authorities are now collecting the arrears from students. We decided to take up their cause after many of them complained to us. We told the university officials that it was unfair to collect the fees after the academic year had already started,'' said Durge.
The MNVS activists sat outside Venkatramani's office for nearly three hours and left only after being assured that the varsity would look into the matter. The police were also called but no one was arrested.
"The vice-chancellor is currently not in town. She will be back on Monday, after which we will request her to look into the matter,'' said registrar K Venkataramani.
Through this move, the MNVS seems to have earned a brownie point over the Shiv Sena-sponsored Bharatiya Vidyarthi Sena, a political source said. The two students' wings are vying with each other to control the campus and this time around, the MNS wing took the lead.
MUMBAI: Activists of the Maharashtra Navnirman Vidyarthi Sena (MNVS), the students' wing of the MNS, stormed Mumbai University's office at Fort
on Saturday afternoon and gheraoed registrar K Venkatramani to protest against a fee hike.
MNVS vice-president Sainath Durge, who heads the Mumbai University cell of the students' wing, said, "The varsity has increased the fees for courses, such as MCom, MA, MSc and PhD, by 50% to 300%. They claimed that they had hiked the amount as the government had implemented the Sixth Pay Commission.'' The MCom fees, which was Rs 3,000, has now been raised to Rs 11,000. A student said, "The hike came all of a sudden. The officials announced the rise of fees for 15 post-graduate courses, including MSc in computers and MCom. The fees of some of the courses have been hiked by as much as 300%.''
A discussion on the rise of fees was first held in February and subsequently, the final decision was taken on August 7. A circular on the hiked amounts was issued on October 6. "What surprised us is that the authorities are now collecting the arrears from students. We decided to take up their cause after many of them complained to us. We told the university officials that it was unfair to collect the fees after the academic year had already started,'' said Durge.
The MNVS activists sat outside Venkatramani's office for nearly three hours and left only after being assured that the varsity would look into the matter. The police were also called but no one was arrested.
"The vice-chancellor is currently not in town. She will be back on Monday, after which we will request her to look into the matter,'' said registrar K Venkataramani.
Through this move, the MNVS seems to have earned a brownie point over the Shiv Sena-sponsored Bharatiya Vidyarthi Sena, a political source said. The two students' wings are vying with each other to control the campus and this time around, the MNS wing took the lead.
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