Legal Rights for Senior Citizens: Government Concessions, Pension and Schemes in Maharashtra

By Sailesh Mishra
Sil I i F d tiSilver Inning Foundation
J l 20th 2014July 20th 2014
Silver Inning Foundation

India is a vast country both in terms of area as well as
population. With 29 State & 7 Union Territories ,It has a
total area of 3 288 000 square kilometers Its Totaltotal area of 3,288,000 square kilometers. Its Total
population as on 2011 1.21 billion , Male 623.7 million
(51.54%) , Female 586.5 million (48.46%) . Sex ratio : 940
females per 1,000 males. Currently. India's 50%
population is below the age of 25.
India is gradually undergoing a demographic changeIndia is gradually undergoing a demographic change.
With decline in fertility and mortality rates accompanied
by an improvement in child survival and increased life
t i ifi t f t f d hi hexpectancy, a significant feature of demographic change
is the progressive increase in the number of elderly
persons
Elderly are the most ignored and neglected segment

Aged as per 2014 are 104 million( 10 crore) 10%
Aged Male : 7.1% of total populationg p p
Aged Female : 7.8% of total population
According to UN by 2050, 336 million nearly 20% of
India’s population will comprise of people over the age ofIndia s population will comprise of people over the age of
60 years
General population in Rural 72.2% People in Urban 27.8%
2001 A di UN b l i i I dias on 2001 .According to UN urban population in India
will increase from 30 % in 2010 to more than 50 % by
2045.
35% Elderly in BPL ( Below Poverty Line) ,around 60% in
Rural India , 90% no social security
Soon India will cross 10% ? - An Ageing Nation .India hasSoon India will cross 10% ? An Ageing Nation .India has
2nd largest number of Elderly

According to UNICEF Life expectancy in India :
In 1951 42 yrs
In 1970 49 yrs
In 1990 58 yrs
In 2005 64 yrsIn 2005 64 yrs
In 2008 68.6 yrs
There is 60% increase in 60 yrs of lifespan
53% Female & 47% Male Aged and out of total aged 50%
are widow
Drastic change in 3 segment :Young Old (60 70 yrs ) Old OldDrastic change in 3 segment :Young Old (60- 70 yrs ), Old Old
( 71 – 80yrs ) Very Old ( 81+ yrs)

53% Female , 47% Male : Aged in India
WHO's representative to India Dr Nata Menabde : She
said, "Women's longer life-spans compared to men,
combined with the fact that men tend to marry womenco b ed t t e act t at e te d to a y o e
younger than themselves, mean that the number of
widows will increase rapidly."
Sh dd d "B i l d i t d i t d iShe added, "Being a male-dominated society and given
the fact that women in India rely on their husbands for
the provision of economic resources and social status, a
large percentage of older women are at risk of
dependency, isolation, and/or dire poverty and neglect."

Poverty among the Elderly: estimated that about 6
% of the poor persons% of the poor persons
Illiteracy: In 1981, among the elderly males, only
34.79 % were literate Among the female elderly,g y,
only 7.89 per cent were literate
Employment: there seems to be a marked
downward trend due to adoption of newdownward trend -due to adoption of new
technology or methods of production difficult for
the elderly or work conditions have become
harder and unsuitable for them.

Dependency: Majority of the elderly in both rural
(50.78 %) and urban (57.35%) areas are totally
dependent on others for economic support.depe de t o ot e s o eco o c suppo t
Living Arrangements: About 7.31 % of the elderly in
rural areas as against 5.54 % of the elderly in the urban
areas are living alone.
Health Problems and Physical Disabilities: 45 % of theHealth Problems and Physical Disabilities: 45 % of the
rural elderly are chronically ill - 45.01 % men and
45.85 % women. In the urban areas, 44.82 % of the
elderly (45.49 % women and 44.34 % men) are
h i ll illchronically ill.
Cough and problem of joints are the most common
health problems. As far as physical disabilities are
concerned, in the rural areas, 5.4 % of all the elderlyconcerned, in the rural areas, 5.4 % of all the elderly
(6.8 % females and 4.4 % males) are physically disabled
while in the urban areas, 5.5 % of all the elderly (6.7 %
females and 4.7 % males) are physically disabled.

Elder Abuse: According to a rough estimate, nearly 40
% of older people living with their families are
reportedly facing abuse of one kind or another, but
l 1 i 6 t ll t li ht M t ldonly 1 in 6 cases actually comes to light . Most elders
are ill-treated by their own children, who have
emerged as the largest group of perpetrators at 47.3
%.
Neglect is the most common form of abuse at 48.7 %
followed by emotional/psychological, financial
exploitation, physical abuse and abandonment
respectivelyrespectively.
There is growing number of insecurity, injustice and
abuse in Elderly in India
Dementia and Alzheimer's: According to NationalDementia and Alzheimer s: According to National
Dementia Report 2010 approx 2.6% to 3% people over
60 yrs of age suffer from some form of Dementia and
out of this 50% suffer from Alzheimer's. In 2010 there
are around 3 7 million people with Dementiaare around 3.7 million people with Dementia

Helpage India
Dignity FoundationDignity Foundation
Harmony
The Family Welfare Agency
ARDSI
Shree Manav Seva Sangh
FESCOM
AISCCONAISCCON
Nightingale Medical Trust
ILC –I
Anugraha IndiaAnugraha India
Agewell Foundation
INPEA, AGI , GSI (Geriatric Society of India)
Senior Citizens Associations /Pensioners & Retired person’s
i ti
association

D C CDay Care Center
Dementia Day Care
Dementia Home
Old Age homes & Retirement Township
H l liHelp lines
Counseling Services
Memory Clinics
Ambulance service
M bil Cli iMobile Clinics
Hospitals
Home Care Services
Discounts , concession and Subsidy
Pension
Tax Benefit
BPL Benefit for Medicare
INTEGRATED PROGRAMME FOR OLDER PERSONS 2008: Old Age homes, Training,
Help lines etcHelp lines etc
U3A
NPOP , Senior Citizens Maint.Act , NPHCE
Silver Innings Matrimonial & Companionship
A1 Snehanjali Silver Innings Assisted Living Elder care home Nalasopara
A1 Snehanjali , Silver Innings Assisted Living Elder care home , Nalasopara

There is no specific law till recently: Section 125 of the Cr PC AThere is no specific law till recently: Section 125 of the Cr PC - A
magistrate can order the child to maintain his old parents.
Hindu Adoptions and Maintenance Act: Requires Hindu sons
and daughters to maintain their elderly parents when parents are unable toand daughters to maintain their elderly parents when parents are unable to
maintain themselves
Domestic Violence Act : Provides parents with right to seek relief in
case of violence
Maintenance of Welfare of Parents and Senior Citizens Bill: Dec
2007- Its revolutionary law - Tribunal headed by the SDM will
decide the case. No Advocate,90 days time line,3rd Party can file
suit Not yet Implemented all over India Rules framed insuit. Not yet Implemented all over India. Rules framed in
Maharashtra in July 2010 and now Tribunals formed as ‘inform by
state govt.’ Maintenance of Welfare of Parents and Senior Citizens
Act 2007 (MWPSCA) : Not yet implemented . Maintenance Max Rs
10,000/- p.m. Penality Rs.5000/- - 3 months jail .

National Programme for the Health Care of the Elderly
(NPHCE)( )
February 2011
•BY Health & Family Welfare Ministry
•The elderly population will increase to 12% of the total population byThe elderly population will increase to 12% of the total population by
2025, 10% of which would be bedridden, requiring utmost care.
•NPHCE to address various health-related problems of elderly people.
•This policy aims to provide long-term, affordable and accessiblep y p g ,
healthcare to seniors.
•“Designed to be preventive, curative and rehabilitative for the elderly,"
would be rolled out in 100 districts of 21 states.
•Under the programme, district hospitals are being aided to start a 10-
bedded geriatric ward. Eight regional 30-bedded geriatric centres are being set
up including at Grants Medical College & JJ Hospital, Mumbai, Maharashtra.

Senior Citizens Income tax benefits now start at 60 as against 65
Very Senior Citizens 80+ enjoying Income free of Tax )no tax) upto 5y j y g p
Lakhs.
IGOAP Age reduced to 60+
Giving Rs 500 pm (earlier 200/0) as IGOAP to 80+ poor seniors.g p ( / ) p
Increasing Senior Citizens Income Tax exemption limit to 2.5 Lakhs
(earlier 2.4 lakh)
Railway concession for women to start at 58 years – 50%.Railway concession for women to start at 58 years 50%.
Increasing Rail concession to male senior citizens to 40%
National Programme for Health Care of Elderly (NPHCE) to improve
health services for the elderly Major activities proposed to be takenhealth services for the elderly. Major activities proposed to be taken
up during the remaining period of 11th Five Year Plan are as follows :
Minister of Health & Family Welfare 22-February, 2011
Planning Commission of India consulted Sr Ctz Organisation for 12thPlanning Commission of India consulted Sr.Ctz. Organisation for 12
plan working paper

Tax exemption from 2 5lakh to 3 lakh for 60 plusTax exemption from 2.5lakh to 3 lakh for 60 plus
One Rank One Pension for Defense personnel
Minimum pension of Rs. 1000 under under EPS-95 scheme run by
retirement fund body Employees' Provident Fund Organisation (EPFO)
S i l f EldSpecial treatment for Elders
Utilization of unused funds of Senior Citizens at post offices and PF and
also funds lying unused due to death of elder depositor
Old age Pension scheme 'Varishtha Pension Bima Yojana (VPBY) for ag j ( )
limited period from 15 August, 2014 to 14 August, 2015 for the benefit
of citizens aged 60 years and above
Setting up of Two National Institutes of Ageing at AIIMS, Dehi and
Madras medical college, Madrasg ,
National Institute of Mental Health, a good news for cognitive health
issue of elders such as non curable dementia and Alzheimer's
Empowerment of the Differently Abled Person, which will help many
disable eldersdisable elders
Incentives for the Visually Challenged, will be boon for blind elders
A single demat account will make investment process easier
Investment limit in Public Provident Fund (PPF) has been hiked to Rs 1.5
l kh f R 1 l khlakh from Rs 1 lakh.

The Indian government after many years of debate finally declared
the National Policy of the Older Persons in January 1999, thethe National Policy of the Older Persons in January 1999, the
International Year of the Older Persons. The policy highlights the
rising elderly population and an urgent need to understand and
deal with the medical, psychological and socio-economic problems
faced by the elderly However what the policy did emphasize wasfaced by the elderly. However what the policy did emphasize was
on the dominant role the non governmental organizations should
play to assist the government in bringing forth a society where the
needs and the priorities of the elderly are taken into account. Itp y
recognized the Older Persons as a Resource of the Country.
In view of changing needs of Senior Citizens over the past decade,
Government decided to review this Policy and got it reviewed by a
Re ie Committee hich has s bmitted Re ised National Polic forReview Committee, which has submitted Revised National Policy for
Senior Citizens,2011 (NPSC, 2011) to Minister of Social Justice &
Empowerment on 30-3-11.
BMC Senior Citizens policy 2012p y
Maharashtra State Senior Citizens Policy 2013

FINANCIAL SECURITY
HEALTHCARE AND NUTRITION
EDUCATION
WELFARE
PROTECTION OF LIFE AND PROPERTY
Sh ltShelter
Basic facilities
NGOsNGOs
Research & Training

Finance
Medical
Travel
Communication / Telephone
Legal
Mi i t f S i l J ti S hMinistry of Social Justice Scheme
National Social Assistance Programme(NSAP)

Income TaxIncome Tax
Income tax rebate up to an income of Rs. 3 lakh
p.a. from 1/04/14 and this concession shall bep / /
available to all senior citizens of 60 years & above
A special category of very senior citizens of those
above 80 will be given exemption limit of Rs 5above 80 will be given exemption limit of Rs 5
lakh per annum.
Separate wards are provided for filing Returns forp p g
Senior Citizens.
All claims of Senior Citizens are settled on the
spot If not refund is required to be given withinspot. If not, refund is required to be given within
3 months of filing the Return.
Saving bank interest upto 10,000 exempted fromg p , p
1/04/12

Deduction of Medical Insurance premium is
increased to Rs 20000 Medical expenditure forincreased to Rs.20000. Medical expenditure for
some specific diseases is exempted up to Rs.60000.
The present limit of TDS is increased to Rs.10000p
from Rs.5000 from 1-4-07. e) State of Maharashtra
exempts Senior Citizens from Professional Tax.
As far as income tax benefit is concerned a higherAs far as income tax benefit is concerned, a higher
deduction of Rs.60,000 under Section 80 DDB
(Deduction in respect of medical treatment) of thep
Income Tax Act is allowed if expenditure for
specified diseases is incurred for senior citizens.

Bank & Post Office:
Interest on daily basis is calculated for SavingsInterest on daily basis is calculated for Savings
Bank Account & rate of interest in Savings
Bank is increased.
Senior Citizens are given 25 to 1% moreSenior Citizens are given .25 to 1% more
interest by banks on deposits.
Senior Citizens Scheme: Senior Citizens of 60
and above can deposit Rs 1000 to Rs 15 lakhand above can deposit Rs. 1000 to Rs. 15 lakh
(30 lakh for husband & wife) at the fixed
interest rate of 9% in any Post Office or Bank
for a period of 5 years, extendable for 3 morefor a period of 5 years, extendable for 3 more
years. This can be in joint account or separate
account of individual. This account can be
closed after 1 year. Income from this accounty
is taxable.

Reverse Mortgage Scheme: Senior Citizens of 60 and
above having their own houses can mortgage theirabove having their own houses can mortgage their
house and get a monthly amount or lum sum
without payment of tax either on cash received from
M i l i l i fMortgager or capital gain tax on excess valuation of
the flat for day to day expenses and also for health
care, home improvements, recreational, religious
purposes etc under this scheme without vacating
their house subject, of course to valuation of the
house, age, interest rates etc. When one dies or, g ,
house is sold, the debt gets paid off. Spouse can
continue to stay till survival.
Maharashtra Govt. ID card for 60plus

Medical Facilities: Maharashtra Government hasMedical Facilities: Maharashtra Government has
directed all Government & Municipal Hospitals and
Hospitals attached to Medical & Dental Colleges to
provide free investigations & complete treatment to allprovide free investigations & complete treatment to all
Senior Citizens. There will be separate ques for Senior
Citizens for case paper, consultations with doctors &
medicines E cept 3 major Hospitals Nair KEM & Sionmedicines. Except, 3 major Hospitals-Nair, KEM & Sion,
all Municipal Hospitals have confirmed in writing that
they are giving free treatment to all senior Citizens.
Private Charitable Hospitals: As per provisions in Sec
41AA in The Bombay Public Trust Act,1950 Charity
Commissioner has to instruct & ensure that all privatep
charitable hospitals reserve & earmark 10% of total
number of Operational Beds and 10% of the total
capacity of patients for BPL PATIENTS and are requiredcapacity of patients for BPL PATIENTS and are required
to be given free treatment on par with paying patients
and without any discrimination .Silver Inning Foundation

Maharashtra Rajiv Gandhi Jeevandayee ArogyaMaharashtra Rajiv Gandhi Jeevandayee Arogya
Yojna.RGJAY- (Web site: www.jeevandayee.org) : The
State Government of Maharashtra has launched Rajiv
Gandhi Jeevandayee Arogya Yojana (RGJAY) in order toGandhi Jeevandayee Arogya Yojana (RGJAY) in order to
improve access of Below Poverty Line (yellow card
holders) and Above Poverty Line (APL- orange card
holders) families to q alit medical care The schemeholders) families to quality medical care. The scheme
will extend quality medical care for identified specialty
services requiring hospitalization for surgeries and
h i l i h h id ifi dtherapies or consultations through an identified
network of health care providers. The insurance
policy/coverage under the RGJAY for the eligible
beneficiary families in 8 districts of Phase I will be in
force for an initial period of one year from the date of
commencement of the policy. The scheme will cover 30p y
specialized service categories having 972 procedures
and 121 follow up procedures.

Medical Insurance : National Insurance Company has
introduced Varishtha Mediclaim Policy for Senior Citizens
between 60 to 80 years EXTEDABLE UP TO 90 YEARS with abet ee 60 to 80 yea s U O 90 S t a
basic cover of Rs 1 lakh covering Hospitalization &
domiciliary hospitalization and Rs. 2 lakh for critical
illness. It shall cover pre existing diseases after claimless 1
year Many other Insurance Companies also offer variousyear. Many other Insurance Companies also offer various
schemes for Health Insurance.
Senior citizens and retired personnel who have worked in
Central Government bodies are assured of their health
care needs through the Central Government Healthcare needs through the Central Government Health
Scheme or CGHS. This scheme for pensioners provides
medical assistance to retired central government officials
along with their dependents, freedom fighters and widows
f ffi i l Th CGHS S h lof government officials. The CGHS Scheme also covers
Delhi police personnel, retired judges of the Supreme
Court, Parliament secretaries and their families.

BUS
Reservation of two seats is kept for Senior Citizens in
front row of the buses of the State Road Transportfront row of the buses of the State Road Transport
Undertakings (ST) & in some cases; they are allowed
to occupy seats reserved for handicaps, if vacant. In
BEST buses in Mumbai, Senior Citizens are allowed to
enter from front door. BEST has provided 5 seats
recently.recently.
Some State Governments are giving fare concession
to Senior Citizens at different rates & to different age
groups in the State Road Transport Undertaking
buses running out of city areas. In Maharashtra, 50%
concession is allowed to all Senior Citizens of 65 &concession is allowed to all Senior Citizens of 65 &
above in all ST buses running out of city.

In MBMT (Mira-Bhayander Municipal
Transport Corporation) buses running in city
area also, 50% concession is given. Some
concession should be given in Taxi &concession should be given in Taxi &
Rickshaw fares also. In Punjab, women Senior
Citizens are allowed free travel by ST buses.y
Some States are introducing Bus Models,
which are convenient to the elderly.

Indian Railways provide 40% fare concession in all
Mail/Express including Rajdhani/Shatabadi/Jan Shatabadi
trains for Senior Citizens aged 60 years and above for
males and 50% to women aged 58 and above.
Indian Railways also have the facility of separate counters
for Senior Citizens for purchase/booking/cancellation ofp g
tickets, for Main Line Trains. Two lower berths are reserved
in each coach for Senior Citizens & Women of 45 & above
travelling alone.
Railways grant 75% concession to Senior Citizens
undergoing major heart/cancer operations from starting
station to Hospital station for self & one companion.
In Mumbai suburban trains, certain 7 seats are reserved
from 12 to 15 hrs in specified compartments. There is
necessity of a separate coach & reservation of 3 seats in ally p
First Class Compartments.

Indian Airlines is providing 50 per cent Discount onIndian Airlines is providing 50 per cent Discount on
Normal Economy Class fare for all domestic flights to
Indian senior citizens who have completed the age of
60 years subject to certain conditions60 years subject to certain conditions.
Air India is offering discount of 55% to senior citizens
of 60 plus on flights to USA, UK and Europe on
l F Id i d 2 i deconomy class. For Identity card, 2 passport sized
photographs have to be submitted along with the
form.
Kingfisher Airlines offers discount in Business class
only for citizens of 65 years or above on sectoral
basis. Age proof required.basis. Age proof required.
Jetlite & JET offers a discount of 50% on economy
class for citizens of 65 years or above. One passport
sized photograph required on the form along withsized photograph required on the form along with
age proof.

Telephone: MTNL :
Senior Citizens 65yrs and above : 25%
concession in installation and Rental, Age
proof requiredproof required.

Court :
Courts in the country accord priority to cases
involving older persons and ensures their
expeditious disposal 60 plusexpeditious disposal – 60 plus
According to provisions of Chapter III of the
Personal Law (Hindu) and Chapter IX of Code OfPersonal Law (Hindu) and Chapter IX of Code Of
Criminal Procedure, older persons can claim
maintenance from their children.
Free Legal Aid

Central Govt :
An Integrated Programme for Older Persons (IPOP) This
Scheme has been formulated by revising the earlier
scheme of “Assistance to Voluntary Organizations forscheme of Assistance to Voluntary Organizations for
Programmes relating to the Welfare of the Aged”.
Under this Scheme with effect from 1-4-2008,
financial assistance up to 90% of the project cost isfinancial assistance up to 90% of the project cost is
provided 27.
F Old A H F b 1963 M h h GFree Old Age Home Feb 1963 , Maharashtra Govt. :
To Govt approved and Registered under Trust and
Society Acty
One day every Person 750/- for Building
Per month 630/-
C t t Di t i t S i l W lf Offi i lContact: District Social Welfare Official

Si 15th A t 1995 t i ifi t tSince15th August,1995 represents a significant step
towards the fulfillment of the Directive Principles in
Article 41 of the Constitution. The programmep g
introduced a National Policy for Social Assistance for
the poor and aims at ensuring minimum national
standard for social assistance in addition to thestandard for social assistance in addition to the
benefits that states are currently providing or might
provide in future. NSAP at present, comprises of Indira
Gandhi National Old Age Pension Scheme (IGNOAPS),
Indira Gandhi National Widow Pension Scheme
(IGNWPS) Indira Gandhi National Disability Pension(IGNWPS), Indira Gandhi National Disability Pension
Scheme (IGNDPS), National Family Benefit Scheme
(NFBS) and Annapurna.

Maharashtra, for niradhar (destitute) Senior Citizens under
65 and having income below Rs 21000 p.a. are eligible to
get Rs 600 p. m. If there is more than one beneficiary, the
h ll b R 900 Th b fi i h lamount shall be Rs 900 p.m. The beneficiary has to apply
in prescribed form with certificates for age, income,
residential proof for 15 years, not staying in any
Vrudhashram and not getting any monthly allowanceVrudhashram and not getting any monthly allowance
through any other scheme etc and for being destitute.
Documents:
Certificate of ResidenceCertificate of Residence
Certificate of Age
Certificate of Income / Proof of Below Poverty Line family
Certificate of Incapacity/Disease – issued by the CivilCertificate of Incapacity/Disease issued by the Civil
Surgeon and Medical Superintendent of the Government
Hospital
Contact: Tahsildar

Under this Scheme, Rs 10000 is given to a
BPL family on the death of a primary bread
winner between the ages of 18-64 years

This scheme was introduced in 1985 86 and providesThis scheme was introduced in 1985-86 and provides
houses free of cost to below poverty line BPL S C/S T
families (40%), physically & mentally challenged (3%)
d S C /S T BPL h h ld t i i land non S C /S T BPL house holds staying in rural
areas. This is given for new houses as well as
conversion of kucha houses in to pucca ones. Cost of
the new house is limited to Rs 35000 in plain areas and
Rs 38500 in hilly/difficult areas and for conversion Rs
10000 to be financed by Central and Statey
Governments in ratio of 75/25. Similar scheme for
providing shelter to Rural BPL families is announced
under Pradhan Mantri Gramodaya Yojna also. Theunder Pradhan Mantri Gramodaya Yojna also. The
purpose is sustainable human development at the
village level. This scheme also provides funds for all
basic minimum services in the village viz shelter slumbasic minimum services in the village viz shelter, slum
development, roads, bridges & various other schemes.

This scheme is launched in 2001 and
provides 35 kg of food grains per family at
highly subsidized rates to 1 5 crore of BPLhighly subsidized rates to 1.5 crore of BPL
families. Under National Food for Work
(NFFW), rice is given free to BPL in certain
backward areas. Under Sampurna Gramin
Rozgar Yojna (SGRY), 5kg of rice & Rs 32 cash
is given as daily wages per day to BPLis given as daily wages per day to BPL
Workers for works like construction of roads,
infrastructure for education, health
impro ements impro ement of en ironmentimprovements, improvement of environment
etc.

Under this Scheme launched from 1-4-2001,
10 kg of food grains per month free of cost is
provided to BPL persons entitled to IGNOAP
but not getting that pensionbut not getting that pension.

The MGNREG Act 2005 provides
enhancement of livelihood security, giving
atleast 100 days of guaranteed wage
employment in every financial year to everyemployment in every financial year to every
household, whose adult members volunteer
to do unskilled manual work. Priority toy
women

PFRDA (Pension Fund Regulatory and DevelopmentPFRDA (Pension Fund Regulatory and Development
Authority), India has opened New Pension Scheme
(NPS) to all Indian citizens starting on 1st May,
2009.PFRDA was established by the Government of
India to promote old age income
security by establishing developing and regulatingsecurity by establishing, developing and regulating
pension funds, to protect the interests of
subscribers to schemes of pension funds.This will
benefit unorganized sector . With Bnak need to
open account . Focussed- For economically
disadvantaged sections of the society anddisadvantaged sections of the society and
marginal investors . Voluntary - Open to eligible*
citizens of India, in the age group of 18–
f60 years. Subscriber is free to choose the amount
he/she wants to invest every year.

Senior Citizens of 65 (orders for 60 under issue by
Ministry of Rural Development) & above belongingMinistry of Rural Development) & above belonging
to a house hold below the poverty line and not
limited to destitutes only, as earlier. Rs. 600/- pm:
The contribution of Central Government is Rs 200
per beneficiary p.m. and minimum Rs 400 from the
State. Some States are giving more; some less &
some nil. Pension is to be credited, where feasible,
Off bl S k f hto a Post Office or Public Sector Bank account of the
beneficiary for 3 months with permission to
withdraw every month only one month’s pension.
D i d f 65Destitute aged persons of 65 years
Persons belonging to Below Poverty Line family
Persons should be the resident of state for 15 yearsy

Those, who are handicapped and unable to walk,
their pension shall be paid by Money Order at
State Expense In all cases Post Office/BankState Expense. In all cases, Post Office/Bank
Accounts have to be opened. Life Certificate is
necessary every year and should be producedy y y p
between January & March, failing which pension
shall be stopped from 1st April. Entitlement of
b fi i h ll l b h k dbeneficiary shall also be checked up every year.
The beneficiary has to apply in the prescribed
form in duplicate to the talati/tahsildar of his areaform in duplicate to the talati/tahsildar of his area
and obtain an acknowledgement from him. All
enclosures should also be in duplicate.

Maharashtra Government , Social Justice Ministry
::
http://www.maha-
socialjustice.gov.in/index.php/special-
assistance-schemesassistance schemes
Silver Innings :
http://www.silverinnings.com/docs/news%20n%2
0info/articles/facilities%20given%20to%20senior%0info/articles/facilities%20given%20to%20senior%
20citizens.pdf
Government of India, MSJE :
http://socialjustice nic in/consd phphttp://socialjustice.nic.in/consd.php
M.V.Ruparelia http://blog.rediff.com/mvrup
Thanks to TISS – UNFPA – ISEC – IEG

Every person-every man, women and child-
deserves to be treated with respect and withdeserves to be treated with respect and with
caring
Every person-no matter how young or how old-
deserves to be safe from harm by those whodeserves to be safe from harm by those who
live with them, care for them or come in day-
to-day contact with them

“ 'l h‘“Ageing is not 'lost youth‘
but a new stage of opportunity and strength"
It’s Silver Inning Foundation PresentationIt’s Silver Inning Foundation Presentation
Website :www.silverinnings.com
Email: silverinnings@gmail.com
Tel: 9987104233 / 9029000091

Legal Rights for Senior Citizens: Government Concessions, Pension and Schemes in Maharashtra

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Legal Rights for Senior Citizens: Government Concessions, Pension and Schemes in Maharashtra