3. PRIVILEGES AND BENEFITS
• Old age pension for general public
• Annapurna
• Dearness relief
• Gratuity
• Taxation
• Insurance scheme
• Travel
• Old age home
• Miscellaneous
4. Old age pension for the general public
National Old Age Pension scheme(NOAP)
• 65 yrs or more
• A destitute
• Rs.75/ month
• Panchayath and muncipalities
5. ANNAPURNA
• Free food grains( wheat or rice) upto 10kg/month
• NOAP scheme but not receiving it
• Sons not residing with them
6. PENSION AND FAMILY PENSION
# Central government employee
• Pension
50 % of basic pay
• Family Pension
30 % of pay drawn
7. PENSION AND FAMILY PENSION
# public sector undertakings / autonomous bodies
• Pension
One time lump sum terminal benefits equal to
100% of their pensions
8. DEARNESS RELIEF
• The Contributory Provident
Fund(CPF) beneficiaries who are in
receipt of Ex-gratia payment
• 7%
• Biannually revised
9. GRATUITY
• Minimum 5 yrs service
• Retirement gratuity = ¼ basic pay + DA
• No minimum limit
• Maximum gratuity = 16 ½ basic pay
limited to Rs 3.5Lakhs.
10. TAXATION
• INCOME TAX REBATE
– Section 88B of Finance Act,1992
Rebate of income tax to senior citizens
• Indian citizen
• >65 yrs
11. Deduction in respect of medical Insurance
premia
• Sec.80D
• Deduction upto Rs. 15000
12. Deduction in respect of medical treatment
• Section 80DDB
• Deduction limited to Rs.40,000
13. • Section 80 C – deduction upto 1 lakh for investment
by insurance premium, repayment of housing loan, in
senior citizen savings scheme
• Mediclaim policy
15. JEEVAN AKSHAY
• Pension plan to provide lifelong pension and a lump
sum death benefit and also a survival benefit at end
of 7yrs under certain conditions
• 50 yrs minimum age
• Minimum initial price Rs. 10,000
16. JEEVAN SURAKSHA
• 3 TYPES
– Pension with life cover
– Pension without life cover
– Pension with endowment type
17. BIMA NIVESH
• 35- 65 Years
• Short term single premium life insurance scheme
• Safety, attractive return and tax benefit
18. SENIOR CITIZEN UNIT PLAN (SCUP)
• One time investment
• 18 – 54 yrs
• Rs. 2.5 lakh insurance after 58 yrs of age
• Both citizen and his/ her spouse
19. MEDICAL INSURANCE SCHEME (MEDICLAIM)
• 5- 75 yrs
• Reimbursement of medical expenses incurred by an
individual toward hospitalization for any illness,
injury or disease during insurance period
20. GROUP MEDICAL INSURANCE SCHEME
• Group Mediclaim policy to any group/ association/
institution/ corporate body
• > 100 persons
22. TRAVEL
• By road
• 50% on fare Delhi Transport Corporation buses to
senior citizen holding monthly pass
• Free passes for elderly freedom fighters to travel in fast
and express buses
23. Train
• 30 % concession in all classes and trains including
Rajadhani/ shathabdi
• 60 yrs for males
• 45 yrs for females
24. By Air
• 50% of fare on Domestic Flight
• Economy Class
• 65 yrs of age
Indian Airlines , Sahara India Airlines, jet airways
29. Vayoshreshtha Sammans
• National award for senior citizen
• To eminent senior citizens and Institutions in
recognition for their service to elderly persons
30. Expeditious disposal of court cases
• Priority to cases involving older persons and ensure
their fast disposal
31. Magazines for elderly
• Publication deal with a wide spectrum of issues :
elder abuse, medicine, philosophy and inspiration.
• Dignity dialogue, Harmony India
32. Learning opportunities and second careers
• Basic computer courses at NIIT
• Expert Ease (www.seniorexperts.org)
• Diginity second careers
• www.jobsretired.com
33. Mobile Health Care Unit
• Bringing health care at the doorsteps of elderly
• Each MHU has a Doctor, Pharmacist and a social
worker
34. Schemes of ministries
1. Ministry of Road Transport and Highways
• Reservation of 2 seats
• Fair concession
• Bus models – convenient to the elderly
35. 2. Ministry of Railways
• Fair concession
• Separate counters
• Wheel chairs and ramps for wheel chairs movement
• Specially designed coaches
39. 6. Ministry of Health and Family Welfare
• Separate queues in hospitals
• Special clinics
40. 7. Ministry of Finance
• Tax deduction
• Financial assistance upto 90% of project cost to NGO
for establishing and maintaining Old age Homes, Day
Care centers, Mobile Medical care Units
41. 8. Ministry of Rural Development
• National Old Age Pension Scheme
• Annapurna Scheme
42. 9. Ministry of Social Justice and Empowerment
• Construction of old age homes and Multi service
centers for older persons
44. REFERENCES
• Rosenblatt ED, Natarajan VS. Primer on Geriatric
Care: A clinical Approach to the older patient. Kochi:
New age Publishers; 2002.
• Legislation and governmental agencies. Geriatric
Medicine; IGNOU
• www.helpageindia.org
• www.hindawi.com
