The document outlines various privileges, benefits, community programs, and health services available for senior citizens in India. It discusses national pension schemes, food assistance programs, tax benefits, travel concessions on public transportation, insurance schemes, and healthcare services specifically tailored for older populations. It also mentions various ministries that provide additional services and programs to support the elderly.

2. PRIVILEGES, COMMUNITY
PROGRAMMES & HEALTH
SERVICES
PRINCY FRANCIS M
Ist Yr MSc (N)
JMCON

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

14. INSURANCE SCHEME
• JEEVAN DHARA
– Pension plan for selfemployed, artists, technician,
professionals
– 18- 65 yrs
– Minimum Rs.100/month

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

21. JAN AROGYA
• Reimbursement of medical expenses
• Rs.5000 per annum
• 70 yrs

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

25. Special Counters
• Railway ticket booking
• Income tax returns
Separate counters

26. OLD AGE HOMES
• 728 old age homes in India
• 124 old age homes in Kerala

27. Miscellaneous
Telephone
• Priority in Telephone connection
• 1 connection in their name

28. Helpline
• Agewell foundation and Ministry of Social Justice and
Empowerment
• 011-6836486, 011-6910484

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

36. 3. Ministry of Civil Aviation
• Fair concession

37. 4. Telecommunications
• Complaints of senior citizens as priority
• New connections

38. 5.Ministry of Consumer Affairs , Food and Public
distribution
• Annapoorna Scheme

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

43. ASSIGNMENT
• Community based programmes for elderly

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