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

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‘Legal Rights for Senior Citizens’ : Government Concessions, Pension and Schemes for Senior Citizens

‘Legal Rights for Senior Citizens’ : Government Concessions, Pension and Schemes for Senior Citizens

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  • 1. By Sailesh Mishra Sil I i F d tiSilver Inning Foundation J l 20th 2014July 20th 2014 Silver Inning Foundation
  • 2. 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
  • 3. 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 Silver Inning Foundation
  • 4. 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) Silver Inning Foundation
  • 5. 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."
  • 6. Silver Inning Foundation
  • 7. Silver Inning Foundation
  • 8. Silver Inning Foundation
  • 9. 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. Silver Inning Foundation
  • 10. 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. Silver Inning Foundation
  • 11. 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 Silver Inning Foundation
  • 12. Helpage India Dignity FoundationDignity Foundation Harmony Silver Inning Foundation 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 Silver Inning Foundation association
  • 13. 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 Silver Inning Foundation A1 Snehanjali , Silver Innings Assisted Living Elder care home , Nalasopara
  • 14. 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 . Silver Inning Foundation
  • 15. 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. Silver Inning Foundation
  • 16. 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 Silver Inning Foundation
  • 17. 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. Silver Inning Foundation
  • 18. 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 Silver Inning Foundation
  • 19. FINANCIAL SECURITY HEALTHCARE AND NUTRITION EDUCATION WELFARE PROTECTION OF LIFE AND PROPERTY Sh ltShelter Basic facilities NGOsNGOs Research & Training Silver Inning Foundation
  • 20. 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) Silver Inning Foundation
  • 21. 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 Silver Inning Foundation
  • 22. 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. Silver Inning Foundation
  • 23. 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. Silver Inning Foundation
  • 24. 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 Silver Inning Foundation
  • 25. 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
  • 26. 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. Silver Inning Foundation
  • 27. 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. Silver Inning Foundation
  • 28. 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. Silver Inning Foundation
  • 29. 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. Silver Inning Foundation
  • 30. 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. Silver Inning Foundation
  • 31. 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. Silver Inning Foundation
  • 32. Telephone: MTNL : Senior Citizens 65yrs and above : 25% concession in installation and Rental, Age proof requiredproof required. Silver Inning Foundation
  • 33. 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 Silver Inning Foundation
  • 34. 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 Silver Inning Foundation
  • 35. 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. Silver Inning Foundation
  • 36. 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 Silver Inning Foundation
  • 37. 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 Silver Inning Foundation
  • 38. 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. Silver Inning Foundation
  • 39. 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. Silver Inning Foundation
  • 40. 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. Silver Inning Foundation
  • 41. 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 Silver Inning Foundation
  • 42. 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. Silver Inning Foundation
  • 43. 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 Silver Inning Foundation
  • 44. 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. Silver Inning Foundation
  • 45. Silver Inning Foundation
  • 46. 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 Silver Inning Foundation
  • 47. 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 Silver Inning Foundation
  • 48. “ '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 Silver Inning Foundation

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