CZIEA Circular

दिनांक ३० जुलाई २०१३ को मध्य क्षेत्रीय प्रबंधन के साथ सूचना सहभागिता सत्र में CZIEA की पूर्ण वार्ता समिति की मध्य क्षेत्र के कर्मचारियों से संबंधित विभिन्न मुद्दों पर विस्तृत चर्चा संपन्न हुई। इस चर्चा में CZIEA की ओर से उठाये गये विभिन्न मुद्दों पर चर्चा का सार पढने के लिये सर्कूलर डाउनलोड करें।

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CZIEA Circular

निर्धारित कार्यक्रम के अनुसार CZIEA सचिव मंडल की बैठक २९ जुलाई २०१३ को CZIEA के उपाध्यक्ष का. एन. चक्रवर्ती की अध्यक्षता में भोपाल में संपन्न हुई।
बैठक में आगामी दिनों के लिये निम्न कार्यक्रम तय किये गये -

  • बीमा कानून संशोधन विधेयक के खिलाफ जारी रखो अभियान
  • क्षेत्रीय महिला सम्मेलन
  • CZIEA का आगामी अधिवेशन
  • AIIEA का आगामी अधिवेशन
  • भारत के लिये लोग मंच
  • अंशकालिन कर्मचारियों का अपग्रेडेशन
  • CZIEA का वेबसाईट

विस्तृत जानकारी के लिये सर्कूलर डाउनलोड करें।

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A massive National convention of all Central Trade Unions, Central and State Government Employees & Teachers Federations and Public Sector employees Unons etc was held at Mavlankar Hall New Delhi on 6th August 2013. The convention was addressed by the leaders of BMS, INTUC, AITUC, CITU, HMS, AIUTUC, TUCC, SEWA, AICCTU, UTUC, LPF. Presidium consisted of the leaders of all the above Central Trade Unions. The resolution adopted by the National convention called upon the workers to organize following.
1. Demonstration/Rallies/Satyagraha at all state capitals with respective statewide mobilization on 25th September 2013.
2. Massive Demonstration before Parliament with main mobilization from neighbouring states on 12th December, 2013.
3. On the same day of Demonstration before Parliament (12th December 2013), District-level Demonstrations at all District Headquarters all over the country.
4. Sectoral programme of joint actions for effectively opposing Restructuring, Outsourcing etc. and on sector-specific issues/demands and against Divestment of shares in Pubic Sector Enterprises.
5.  Exclusive Joint Action Programmes on the demand of Minimum Wage and Contract Workers related other demands.

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The 4th General Conference of BIMA KARAMCHARI PENSIONERS' ASSOCIATION, RAIPUR(AIIPA), was held at Raipur on 3rd August, 2013, which elected a new committee with Comrades T.R.Narang, A.K.Lal and H.L.Wadher as President, General Secretary and Treasurer respectively.

(View Photo of Conference)

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c) Employees of banks, LIC may be drafted on election duty to the minimum extent possible, only in a constituency where sufficient numbers of govt. employees are not available or in emergent circumstances such as strike etc. by the Govt. employees. Care should be taken to ensure that normal functioning of banks, LIC are not interrupted. Care should further be taken to ensure that minimum numbers of employees of such institutions is requisitioned so that the business of these institutions is not hampered.

(Please download attached complete circular.)

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AIIEA Circular

To all the Zonal Units of AIIEA in life sector and Standing Committee (GI),

Dear Comrades,

LIC Central Office issued two circulars clarifying the position on payment of family pension.

1) LIC CO issued a circular dated 17.07.2013 clarifying that in respect of family pension to be payable to the family of missing pensioners, the same process envisaged in the CO circular dated 11.07.2012 has to be adopted (which is available for the families of missing employees).

2) Under the existing CCS rules, a family of an ex-servicemen re-employed with LIC had to opt either for family pension under Central Government Pension Rules or family pension under LIC Pension Rules, 1995.

Now, LIC CO issued a circular dated 19.07.2013 on the payment of family pension to families of Ex-servicemen re-employed with the LIC. This circular was consequent on the OM dated 01.07.2013 issued by the Finance Ministry clarifying that the families will be eligible to receive family pension under the CCS pension rules as well as family pension under LIC Pension Rules, 1995. The arrears of military family pension or LIC family pension as the case may be, will be payable w.e.f.  24.09.2012.

Both the above circulars are on the site of the LIC CO Personnel Department. This may be brought to the notice of the families of pensioners/units of AIIPA.

Comradely yours,

General Secretary.

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To all State/Regional/Divisional Units:

Dear Comrades,


The uppermost need of the hour is to initiate measures to find solutions to the three cardinal issues of the LIC Pensioners, stressed the Delegation of the All India Insurance Pensioners’ Association (AIIPA), when it met the Chairman and Top Officials of the Life Insurance Corporation of India on July 19, 2013 at Mumbai.

The Delegation of the AIIPA met Sri.S.K.Roy, the New Chairman and though it was sought to be a Meeting to exchange pleasantries and to express our Good Wishes, in person, for an useful tenure, the occasion was utilized, with Chairman evincing interest to hear our views to highlight our view points on issues of LIC Pensioners.

The Delegation congratulated the Chairman on his assuming greater responsibilities and wished him well. The Chairman reciprocated saying with the co-operation and wishes of all, he hoped to take LIC to greater heights and get legitimate encomiums for the Team- LIC.

The Delegation requested the Chairman to effectively pursue with the Central Government, issues of increased Ex-gratia to pre-1986 Retirees, Grant of Full Neutralisation to Pre-August 1997 Pensioners and updation of Pension for all.

We pointed out that LIC was within its ambit to decide on increased Ex-gratia as no Government Notification was necessary. We also said that the LIC was morally obliged to mete out justice to Pre-August 1997 Pensioners with the Board passing a Resolution for uniform rate of Dearness Relief, way back in the year 2001.

The Delegation also told the Chairman that fair play and natural justice demanded LIC Pensioners are not differentiated vis-a-vis Central Government Pensioners in the matter of updation of Pension.

When a reference to the Press Reports about huge pay outs by LIC towards settlement of Maturity Claims, this fiscal came up, Chairman explained the context in which such an observation was made by him. Expressing confidence of the Financial Stability of the monolith-LIC, Chairman said the reference was to the availability of such large amount in the economy that could go to new investments, that could be used to purchase consumer durables, a portion of which that could add to the savings, giving a boost to the economy.

Sri.Roy heard our views with an open mind and said he would get a detailed feed-back from the concerned Officials and take whatever steps were possible to be taken in the current situation and said he had other responsibilities too to be fulfilled.

We are happy to record that the interaction was fruitful and the Chairman, LIC, could well understand our feelings and the spirit of our representation and we could get satisfied of having effectively aired our views to the Top Most Official of LIC.

The Delegation of All India Insurance Pensioners’ Association (AIIPA) consisting of Com.M.L.Setiya, President, Com.K.Natarajan, General Secretary and Com.M.J.Damle, Joint Secretary, also met Sri.M.R.Kumar, Executive Director (P), Sri.T.R.Mendiratta, Chief (Per) and Ms.Aruna Seth, Secretary (PER/ER).

The Meeting was utilized to drive home the merits of the issues, the forceful arguments on the imperative to solve the issues, without getting bogged down on extraneous concerns.

AIIPA pointed out that the legitimate aspirations of the recipients of Ex-gratia for a comfortable living were being negated and both LIC and the Government were delaying the decision, obviously linking this with other issues. As the issue of enhanced Ex-gratia was not on the legal radar and as no formal Notification was required, LIC should, on its own, decide on the issue, it was stressed. The demand for increased Ex-gratia was most justified and even after the grant of Cash Medical Allowance, which also they eminently deserved, increase in Ex-gratia continued to be an issue requiring immediate solution, said the Delegation of AIIPA.

The E.D. (P), while understanding our strong concerns, said the Government was not favourably inclined to decide, presumably taking into account other implications. AIIPA once again urged the Management to reconsider the matter and effectively pursue in order that the decreasing tribe of these Senior Citizens get what is justifiably due to them.

Pointing out to the various averrings, both in writing and in person, the Organisation asked the Officials to ensure that the favourable inclination both on increased Ex-gratia to pre-1986 Retirees and Grant of Full Neutralisation on Dearness Relief to Pre-August 1997 Pensioners got materialized in concrete terms without the need for culmination of the legal process.

AIIPA again stressed on the ethical and moral standards that need to be maintained by the LIC in the background of the LIC Board Resolution of November 2001 and desired to know how come LIC was now reluctant, with the Central Government Affidavit on Dearness Relief in LIC vis-a-vis banks coming into focus.

We said the comparison between LIC and Banks was not relevant, as LIC Employees’ DA structure with Full Neutralisation came about from August 1997, while in Banks, employees got DA with Full Neutralisation only from May 2005. Already there is a demand in Banks for Full Neutralisation for pre-May 2005 Pensioners from that date and there have been court pronouncements and hence Dearness Relief with Full Neutralisation from August 1997 for LIC Pensioners was thoroughly justified, it was said.  We also told the Management that we are happy that LIC has recognized the due date of eligibility for Full Neutralisation as August 1, 1997 from which date in-service employees were granted and hence pensioners after that date got Full Neutralisation in respect of Pre-August 1997 Pensioners too.

Though E.D.(P) and others heard our submissions with all the attention they deserved, were non-committal and AIIPA reiterated its position for an early breakthrough even before a judicial verdict.

The AIIPA also pointed out that LIC was now not inhibited by sustained contempt proceedings and with the SLPs in Supreme Court, LIC could take initiatives to sort out issues with a dialogue process, if necessary, to bring about the much needed solution on Full Neutralisation from August 1, 1997. The Officials expressed their concern about the plethora of cases before various courts and said they were finding it more and more difficult to keep track.

Taking up the issue of updation of Pension for all, AIIPA asked the Management to vigourously pursue the matter. When all Central Government Pensioners who had retired on various dated prior to January 1, 2006 were granted equitable pension to correspond to the current pay scales through G. O. s, LIC Pensioners too deserved to be treated on par.

Central Civil Pension Rules applicable to Central Government Employees had talked of Pension on the basis of Average Emoluments of the last ten months’ pay drawn by the employee at the time of retirement and LIC Pension Rules modeled on Central Civil Pension Rules also spoke on similar lines and now Last drawn Pay at the time of retirement has become the basis in Central Government.

AIIPA pointedly told the Management as both Central Civil Pension Rules and LIC Pension Rules had similar provisions and only with issuance of G.O.s, the Central Government had implemented uniform pension for all, LIC could also bring in updation with necessary amendments and argument of LIC Rules not providing for updation cannot be a ground to deny updation to LIC Pensioners.

LIC Officials responded with the argument of LIC Scheme being Funded Scheme as different from Central Government Pension Scheme (paid from consolidated Fund), AIIPA argued funding should not be a deterrent and also it could not be a problem with vast resources at the command of LIC and reiterated its demand for ending discrimination between LIC Pensioners and Central Government Pensioners.

Referring to the improvements recently brought about in the RBI Pension Scheme like Minimum Pension/Family Pension uniformly @ 30% etc., AIIPA wanted the officials to initiate steps to get similar improvements in LIC Pension Scheme and the officials assured to consider the same.

Eventhough the officials, after listening to us on all issues were non-committal, they assured to brief the Chairman of all the ramifications and we hope LIC would strive to take measures in whatever way feasible to meet our demands.

AIIPA urged upon the management to grant one more option under LIC Pension Rules 1995 and E.D.(P) informed the matter rested with the government.

About opening of a Pensioners’ Portal for use by LIC pensioners, we were informed that efforts were on and we hope the portal will be made available soon.

AIIPA pointed out that there has been cases of delay in credit of pension to individual bank accounts and suggested credit of pension on the last day of the month and LIC agreed to consider.

AIIPA Delegation raised the issue of payment of revised Pensionary Benefits to Class I Officers who had retired between August 1, 1992 and March 31, 1993. We explained that, having paid the difference in Gratuity on the basis of revised Basic Pay that came into vogue, LIC was left with no alternative but to grant pensionary benefits too on revised pay structure. The court decision treating revised pay as last drawn pay for purpose of Gratuity, had a cascading effect on payment of other benefits too. The Organisation referred to its earlier communication and asked the officials to concede the demand. The Officials agreed to have a fresh look into the whole matter.

On grant of benefits arising out of Jaipur High Court Order on allowing extra month service and consequential benefits for those whose date of birth fell on first of a month, LIC officials said the benefit has not been actually paid but only deposited in the court, which we differed and wanted to get this benefit extended to all similarly placed pensioners.

The Delegation also took up matters relating to Group Mediclaim. The Management informed that increase in Sum Insured and the concept of Floater Policy were under active consideration to be pursued with the Insurer.

On our demand for grant of Ex-gratia for expenditure over and above the cover under the Group Mediclaim Policy, the Officials pointed out of the possible increase in subsidy burden once the Sum Insured gets increased and expressed doubts about the possibility for bearing extra load for grant of Ex-gratia. However we insisted on our demand being considered favourably. The officials were also not inclined to respond positively to the issue of grant of advance for deposit as according to them, the provision of cashless facility should take care of the same. When we wanted expansion of the cashless facility, the officials informed that the same may result in increase in premium because of TPA. Officials also informed that discussions were on for the issuance of Identity Cards for the pensioners by the TPA for the cashless medical facility. On providing facility of Preventive Health Check-up for the pensioners and their families, though the officials were receptive but did not commit.
While welcoming grant of Monthly Medical Allowance to pre-1986 retirees and their spouses, AIIPA raised a demand for Cash Medical Benefit for all Pensioners. The Office bearers explained how Pensioners were subjected to recurring medical expenses without the need for hospitalisation for which there was no cover.

It was argued on behalf of AIIPA that, with advancing age, Pensioners had to spend more on health care which could not be got reimbursed and the only way to compensate them was grant of cash medical benefit. The Management was receptive to the idea and the Organisation is hopeful that with further pursuance, there can be an opening.

On the issue of recovery of Group Mediclaim Scheme premium from monthly pension, the E.D.(P) assured to talk to the concerned department officials to take an early decision. The officials further informed that as per the MOU with the insurer, the mediclaim bills are to be settled in 21 (twentyone) working days by the insurer and wanted us to let them know if there was inordinate delay in settlement of bills with complete details for their taking up with the insurer.

AIIPA feels that the meeting had helped to make the management more aware of the standpoint of the organisation, make them understand the hurt feelings of the pensioners over the non-settlement of issues and has helped the organisation to establish good liasion with the authorities for further dialogues for finding solutions.

AIIPA reassures that interests of the LIC Pensioners will be safeguarded and further advanced through sustained efforts and AIIPA will endeavour to talk to GIPSA also in regard to issues of GIC Pensioners.

With Greetings,                                                                

Yours Comradely,

                                                                                                  General Secretary

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AIIEA Circular

To all the Zonal/Divisional/State/Regional units,

Dear Comrades,

News items on the channels - on FDI in insurance

Arvind Mayaram Committee was set up in March 2013 to recommend on the country’s foreign direct investment (FDI) policy. The Arvind Mayaram committee suggested that FDI be capped at 49 per cent in nine sectors. These are FM Radio, uplinking news & current affairs, print media (news & current affairs), commodity exchanges, stock exchanges, petroleum & natural gas refining, insurance, defence production and private security agencies.

The committee also suggested that clearance for the foreign investment proposals  (except for defence production and private security agencies) be through the automatic route, without referring the proposals to Foreign Investment Promotion Board.  However, the clearances from the concerned regulators and ministries will be necessary.

The cabinet approved these recommendations in a meeting today.

As can been seen from the recommendations, the committee has also proposed increasing the FDI cap for the insurance sector - from the current 26 per cent to 49 per cent. But that will require amendment to the IRDA Act which is pending before the Parliament.

Hence, when the parliament meets in the monsoon session from 5th August 2013, the government may try to push for the approval of the Insurance Laws (amendment) Bill.  The Units are requested to be in vigilant about this situation.

Comradely Yours,

K Venu Gopal
General Secretary, AIIEA

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आल इंडिया इंश्योरेंस एम्पलाईज एसोसियेशन के 63 वें स्थापना दिवस के मौके पर 1 जुलाई 2013 को सी.जेड.आई.ई.ए. मुख्यालय रायपुर में सी.जेड.आई.ई.ए. के वेब साईट का उद्घाटन संगठन के महासचिव काम. बी.सान्याल द्वारा किया गया। इस मौके पर सी.जेड.आई.ई.ए. व आर.डी.आई.ई.यू. के पदाधिकारी व अन्य साथी उपस्थित थे।

इसके पूर्व रायपुर मंडल मुख्यालय में सभा आयोजित की गई जिसे सी.जेड.आई.ई.ए. के सहसचिव काम. धर्मराज महापात्र ने संबोधित किया तथा ए.आई.आई.ई.ए. के स्थापना दिवस व वेब साईट उद्घाटन के लिये साथियों को बधाई दी। अध्यक्षता आर.डी.आई.ई.यू. के अध्यक्ष काम. व्ही.एस.बघेल ने की। आर.डी.आई.ई.यू. के महासचिव काम. सुजीत शर्मा ने भी सी.जेड.आई.ई.ए. वेब साईट उद्घाटन के लिये सभा में बधाई दी। इसके पश्चात् सभी साथियों के मध्य मिष्ठान वितरण किया गया।

इंदौर में आयोजित सभा में सी.जेड.आई.ई.ए. के अध्यक्ष काम. एस.आर. उर्द्धवरेषे ने साथियों को संबोधित करते हुये वेब साईट उद्घाटन की घोषणा की। आई.ई.यू. के महासचिव काम. अजीत केतकर ने सभा में इसके लिये सी.जेड.आई.ई.ए. को बधाई दी।

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To all State/Regional/Divisional Units:

Dear Comrades,

Contribute liberally for Uttarakhand disaster relief efforts With a feeling of sadness that cannot be expressed in words but can only be felt, we pen a few lines herein below. We know these feelings and words will not be able to recompense lost lives. None can ever imagine Mother Nature can be so furious as She was recently in Uttarakhand and Himachal Pradesh causing loss of precious lives and causing such devastation.

Torrential rains in the mountainous areas flooded the rivers that swept away people - both locals and pilgrims, that uprooted the buildings in the vicinity, that changed the whole landscape of the area.

It is said many have died though there are different estimates about the number and the loss to property has been colossal and many are said to be missing. It is with pride and gratitude, we record the role of Armed Forces, Airforce, ITBP etc., who ventured against all odds to save people caught in the ravaging floods, to flush out the dead bodies and to provide relief supplies to those stranded. We express our deep sympathy to the kith and kin of those who lost their dear ones and we also salute the Brave Hearts who laid down their lives  at the call of duty.

The authorities say it may take long to rebuild and to rehabilitate and we know it will besides costing the state exchequer heavily. We, the Insurance Pensioners outside the affected area, owe it as a national duty to help raise resources for relief efforts. Lives lost and properties wiped out and/or damaged will be grim reminder of our sacred duty towards our brethren.

We know Insurance Pensioners, socially conscious as they are, will rise to the occasion and contribute liberally for the noble cause. We call upon pensioners of LIC and GIC to make contributions liberally.

As a token of our commitment, All India Insurance Pensioners’ Association (AIIPA) has remitted Rs.50,000/- and hope our pensioners following this lead will contribute liberally.

Let us hope the Governments at Centre and States will take all precautions to prevent recurrence of such calamities, especially of such a magnitude.

Yours Comradely,

General Secretary

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Appeal to Candidates

We wish you all success in your written examinations.

All India Insurance Employees’ Association (AIIEA) is a largest & the oldest Trade Union in Insurance Industry & LIC. After you join the LIC and become a Member of this wonderful Association AIIEA, you will be knowing much more about the History and achievements of AIIEA in detail. Please feel free to contact us for any clarifications and help.

AIIEA President's Message

Dear Friends,
Warmest Greetings

The LIC of India is the finest financial institution in the country. It is the largest life insurance company in the world in terms of the number of policies it serves and claims it settles. LIC is the single largest investor in the Indian economy. Though it currently serves over 42 crore policyholders, it has touched the life of every Indian Citizen through its contribution to the nation building activities. It is therefore a matter of pride to work for such a Premier Public Sector Institution.

The LIC has announced 8000 vacancies for recruitment to the Post of Assistant throughout the country. This is a significant step in the background of unprecedented unemployment situation in India. The All India Insurance Employees’ Association (AIIEA) which is the oldest and largest trade union of insurance employees had invested lot of energy in agitating for recruitment. This struggle has now succeeded with LIC announcing to recruit 8000 persons for the post of Assistant. The AIIEA since its birth in 1951 has been working for the improvement of the wage and service conditions of the LIC employees. It is the result of these struggles that today the Pay, Service Conditions and Opportunities for career advancement in LIC are comparable to the best in the country. The AIIEA is also committed to the noblest values of mankind and therefore it engages itself in several social activities to provide relief and support to those affected by natural calamities and suffer from economic and social disadvantages.

It is with this commitment that AIIEA helps the candidates aspiring for job in LIC with free study material and free coaching classes. I hope you will take advantage of this opportunity and prepare well to face this competitive examination.

I wish you success in your endeavour and hope for your joining the great fraternity of insurance employees.

Greetings again,

Sincerely yours,
Amanulla Khan
President, AIIEA

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