National old age pension Schemes(NOAPS)
Eligibility for NOAP Scheme The applicant should be 65 years of age or higher. The applicant must be a destitute in the sense of having little or no regular means of subsistence from own sources of income or through financial support from family members or other sources.
Intended objectives: In order to provide Social security to Aged people below poverty line.
The government of India has the National Old Age Pension Scheme as one of the sub-schemes of National Social Assistance Program. The scheme has come in to existence with effect from 15th August 1995. It aims to provide social assistance to the poor people in a house-hold who is above the 65 years of age as old age pension.
The government of India has the National Old Age Pension Scheme as one of the sub-schemes of National Social Assistance Program. The scheme has come in to existence with effect from 15th August 1995. It aims to provide social assistance to the poor people in a house-hold who is above the 65 years of age as old age pension.
Rate of Assistance The amount of old age pension is Rs. 200/- per month.
Selection of the beneficiary Every eligible person may apply for the pension in the prescribed Form OAP-1 and submit the same through Gram Panchayat or Municipality as the case may be and obtain acknowledgement. Application forms can be obtained from local Mandal Parishad Office or Municipality at free of cost.
Under NOAPS, Central Assistance is available on fulfillment of the following criteria .
- The age of the applicant (male or female) should be 65 years or more.
- The applicant must be a destitute in the sense that he/she has no regular means of subsistence from his/her own source of income or through financial support from family members or other sources.
Indira Gandhi National Widow Pension Scheme:
The scheme‘Indira Gandhi National Widow Pension Scheme’ (IGNWPS) came into existence from February, 2009.
Eligibility Criteria of Beneficiary : For purpose of claiming central assistance, the following criteria shall apply
a) The age of the widow shall be between 40-64 yrs
b) The applicant must belong to a household below the poverty line according to the criteria prescribed by the Government of India.
Amount of pension : The central assistance under IGNWPS will be provided at the rate of Rs. 200 per month per beneficiary. The State Governments are urged to contribute at least equally towards the pension amount.
Specific condition regarding sanction of pension : Sanction of pension to a beneficiary has to be made only after placing the database of beneficiary in the public domain/website of the Ministry or State.
Objective of the Scheme is to give financial assistance @ Rs. 400/- per month toall the
identified pensioners who are widows of the age group of 40 years -64 years, and from BPLfamilies . The coverage is universal and there shall not be any quota at any level.
Eligibility criteria and requirement of documents:
To get the benefit of the scheme, following criteria need to be fulfilled by an applicant :
a) She must not be less than 40 years of age and not above 64 years.
b) She should have to be from a family which is below the poverty line
c) She shall get the pension till she attains the age of 65 years or till her remarriage
d) She will be automatically covered under IGNOAPS at the age of 65 years.
(Pradhan of the Gram Panchayat shall review the list of the widows regularly and report any case of re-marriage)
Income Tax Exemption for Senior Citizens up to Rs. 1.95 lakh (Budget 2007),Deduction in respect of medical insurance premium under section 800 to be a maximum of Rs.20,000.
Finance Bill 2006- The investment in the Pension Plan can be made up to Rs.1 lakh against the existing limit of Rs. 10,0007-.The investment in five year fixed deposit with a scheduled bank would qualify for a tax deduction within the overall limit of Rs.1 lakh. However, the combined limit for exemption under section 80C as well as 80CCC (Pension) continues to be Rs.1 lakh only.
Documents Needed (Any one of the following)
Finance Bill 2006- The investment in the Pension Plan can be made up to Rs.1 lakh against the existing limit of Rs. 10,0007-.The investment in five year fixed deposit with a scheduled bank would qualify for a tax deduction within the overall limit of Rs.1 lakh. However, the combined limit for exemption under section 80C as well as 80CCC (Pension) continues to be Rs.1 lakh only.
- Proof of Age
- Ration Card
- Voter ID
- Driving License
- Permanent Account Number (PAN)
How to Avail
Contact the Income Tax Department and fill in the form 2(c).
- Exemption from "One by Six" Scheme for the senior citizens while filling their income tax return under section 139
- Separate counter for senior citizens for submission of Income Tax.
For Further reference: http://www.cbec.gov.in/
Concessions & Other Incentives
- "No Queue Facility"ATM cards shall be issued free of charge to all Senior Citizens who qualify the eligibility criteria fixed by the Bank for issue of ATM card.
- Free remittance facility shall be allowed by debit to savings bank accounts maintained by Senior Citizens for personal uses.
- Collection charges are waived on collection of outstation cheques up to Rs.5,0007-representing pension for Senior Citizens who are maintaining accounts with Rural Branches.
- At par collection of Pension Bills 7 Pension Cheques
All our branches provide "No Queue" facility to our Senior Citizen customers. Special counters have been opened in Large Size branches for this purpose.
Insurance is considered a form of long-term savings for senior citizens. This money provides financial stability and also helps them in times of need. Medical insurance enables senior citizens to pay for health checkups, emergency medical costs and long-term treatment. The income tax benefit on insurance premiums is up to Rs. 15,000 under Section 80 D of the Income Tax Act, as on March 31, 2007. Medical insurance is provided through several private insurance companies and four public sector general insurance companies.
These are:
These are:
- National Insurance Company
- Oriental Insurance Company
- New India Assurance Company
- United India Insurance Company
II. Policies/Schemes
Over the years, the government has launched various schemes and policies for older persons. These schemes and policies are meant to promote the health, well-being and independence of senior citizens around the country.
III. Health Insurance for Senior Citizens (age 60 and above)
For complete information such as- Best option available for Senior Salient Features Scope of Cover/Benefits Premium Rates/Chart and Terms & Conditions
For Further reference: http://www.healthinsuranceindia.org/Senior_Citizen
NGO'S AND VOLUNTARY ORGANISATIONS
A day in the life of a senior citizen depends on a lot of factors – how independent is he or she – can he/she see very well, can he/she walk well, or with difficulty or not at all. Can he/she take care of his/her activities of daily living. These factors also play a big role when you are looking for activities to occupy your time and give you a better quality of life. However, given a few physical constraints that go with age, this is the right time and opportunity to undertake the activities that you have been fond of and have been wanting to do in your younger and adult life, but could not because you got stuck with the daily pressures of job, or looking after a home, children, family etc. Therefore, when you are looking for a recreational activity, the foremost is to think of all the activities that you did enjoy doing or wanted to do since very long.SERVICES of AGED
MOBILE CARE
- Healthy Services Society, 406 & 501, 14th Street, Himayat Naagar Hyderabad.
Hyderabad Heritage Helpline 23390000 (8am -8pm)
MAGAZINES
- Dignity Dialogue
- Senior Heritage Selections
- Homeopathy for All
ELDER VOLUNTEERS & EMPLOYMENT OPPORTUNITIES
- Anubhuti – anubhuti
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