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Monday, October 22, 2018

Bankers Write To Management And FM

The Managing Director,
Bank Of Baroda,
Baroda Corporate Centre,
BKC , Mumbai-400051

22nd Oct.2018

Respected sir,

Health Insurance Policy declared by the bank for the year 2018-19 for bank retirees

Request for reconsideration of exorbitant premium amount and some other conditions enumerated in the policy

 In respect of above, I advise having signed the consent letter  authorizing the bank to debit amount of premium to my account. on 21st Oct 2018  I authorize to the bank to debit my account But I wish to express my grievance that the bank is absolutely insensitive to the financial problems and health conditions of the retiree who have served the bank for 35 to 40 years.  Initially, the bank had been accepting its liability towards the retirees till 2015 but in due course of time for reasons best known to itself unilaterally decided  to avoid its liability and presented a scheme for health insurance with a premium amount of
Rs. 7494.00 which has now been hiked extraordinarily to
28792.00 for retired officers
and Rs.21595.00 for retired award staff  an assured amount of Rs. 4.00 and 3.00 lacs respectively WHEREAS Rs18270.00 and
Rs 13703.00 for working officers and award staff respectively  for the year 2018-19.

Obviously, the amount fixed for the retirees is disproportionate to the amount of their pension which has not been considered for up-dation from the last 25 years.  Rather, it is  impossible to pay for those who retired  before 2006 and put the retirees in such a difficult situation that neither they can afford premium nor they afford to exit from the scheme.

In addition to the unreasonable amount of premium , there are some other anomalies which need your immediate and serious attention for review as under:

 1. The scheme of health insurance was formulated in the year 2015  by signing a
joint note with the unions of serving award staff and officers. The retired employees / officers were found nowhere in the picture. The banks gave its mandate to the IBA to negotiate the premium and other conditions with the UIICO in association with UFBU  but surprisingly, the banks never felt it necessary to give its mandate  to IBA for updation of pension. The banks have unjustifiably partially and selectively dealing with the
retirees issue.   

2. The amount of premium for working employees and retirees have been illogically fixed i.e. lesser premium for the working employees covering spouse and his children with parents at a lower premium than that of retirees covering only spouse. Moreover, the premium for retiree is the same even if the spouse has expired.

 3.   The premium with domiciliary facility is so high that it is equal to 7-8 months pension of old retirees and for 2-3 month pension for others. It seems as if , the premium at such high range has been fixed deliberately planned to discourage  the retirees to opt for this scheme.

 4. The amount of premium has been increased but the bed charges has been reduced  from  Rs.5000.00 to Rs. 4000.00 which is neither justified nor logical as these charges have increased at most hospitals. It should be maintained at old level of Rs.5000.00.

 5. In the past, it has been experienced that the benefit of 100% cashless policy is not extended to the retiree patient during hospitalisation  and some expenses are denied which have to be paid by the retiree before being discharged from the hospital. In this respect, I wish to invite your attention towards a condition That  “ in the event of any claim becoming admissible  under the scheme, the bank will reimburse the amount of such expense  as would fall short under different heads mentioned below and  as are reasonable and medically necessary incurred thereof by or on behalf of such employee.”

Obviously, the spirit behind the above provision is that the patient should not bear any expense out of his pocket during  hospitalized for treatment while   insured  under the cashless policy of the bank. Any amount , denied by the insurance company should be reimbursed  directly by the
bank and the patient should not face any harassment at the time of being discharged mlmfrom the hospital. . 

 6. Now, the last but not the least point of objection is that though we have consented for the offer given by the bank but  it is only due
to the fact that we had no option and  no adequate  time to consider and lodge our grievances.  In principal, it had always  been the liability of the employer to take care of the health of its retirees in their old age. Iwould like to place the example of the government of India who generously take care of their retirees for the whole life and for unlimited amount of expenditure incurred for treatment on one time payment depending upon their status and designation at the time of their retirement.  The government of India has also introduced “Ayushman Bharat” scheme for the economically backward population of the country which evidences and testify my logic  that the employer and government are socially and legally bound to look after the health of poor and old age persons.

 In view of the foregoing, I request to your good self  to reconsider and review the scheme  of insurance  and policy of the bank in the changed socio economic scenario when the medical care has become a very expensive feature and it is out of the reach of the pensioners.  The bank must own its responsibility and  bear at least 25% of the total premium including super top up premium  and the remaining 75% with the formula that 50% of the 75% be charged to our pension fund to ensure  relief to the retirees and remaining  50% of the 75% from the pensioners account.

I am fully confident that the Bank will give due consideration  for redressal of  the aforesaid grievances.

 REGARDS

DHARAM SINGH
NEW DELHI
+91 9810900536



____________________________________________



Sunday, October 21, 2018

MR.Venugopalan Writes To Chief Justice Supreme Court

HIS LORDSHIP SHRI RANJAN GOGOI,
HONOURABLE CHIEF JUSTICE OF INDIA,
SUPREME COURT OF INDIA, NEW DELHI 110 001

Most venerable Chief Justice,


It is delightful that Your Lordship, amazingly keen in fine-tuning judiciary, is now enthroned as the Chief Justice of Supreme Court, the sentinel of justice. 

I make this opportunity to moot something which could make the judiciary of assistance to senior citizens like me.

Petitions filed by senior and super senior citizens craving for their right to live with dignity viz. pension get piled up in High Courts across the country for years with the result that by the time Lady Justitia opens Her eyes, the eyes of the victims get permanently shut down in denial of  justice forever to them by judiciary that recognizes delayed justice as denied justice.
,
The government and corporates are allowed several extension of time for filing counter to the petitions that are routed through Courts, when they have limited time frame of say two weeks to a month only to address the issues directly.  The respondent who shall be diligent in presenting their case, if any, get much time through negligence and tricks to prevent the flow of justice.  When they can escalate to higher levels if they are aggrieved, there is no point in giving extension of time adding to the hardships of the aggrieved.  Courts become a shelter to them for continuing injustice when petitions are not disposed of in time.   An ideal resolution will be a fast track bench at each High Court to consider pension related petitions of senior citizens.

Courts had been upholding right to pension as property within the meaning assigned to  it in terms of Article 31(1) and 19 (1) (f) { or 300 A } even as pension is paid out of exchequer and brings in a cost to the state.  Ironically such courts have not so far been able to decipher in the case of bank employees {where pension and updating brings in no cost either to banks or to government as pension is paid out of Pension Fund comprising the deferred wages of employees} to grant the relief they seek.   Rulings go against employees relying on the wrong submissions by government and public sector banks sans probity.  Even as the Pension Funds are flooding with money and can foot four times the present pension to all the pensioners, statutorily vested pension and updating are not given in gross derogation of regulations and retired employees are placed on cross roads.   Government and banks had been successful in transforming the temples of Lady Justitia into crematoriums of justice through wrong information fed. 

Granting several extension for filing counter forms the single the reason for huge piles of petitions in various courts, strangling the judiciary and once the issue is addressed by setting time frame for disposal of petitions by senior citizens say three to four months, courts also can get rid of the avoidable burden.

It is also pertinent that rulings are not carried out in letter and spirit.  To cite a simple example, in SLP 5525 of 2012 viz. Bank of Baroda & Anr. Vs. G Palani & Ors., it was ruled that the Joint Note has no statutory basis, regulations are binding, and the Joint Note could not have supplanted any of the provisions of the regulations with retrospective effect and all banks paid arrears of Dearness Allowance and interest.  Yet, the Ministry of Finance and Public Sector Banks are disregarding the ruling by not paying pension from the date of retirement and contributions raised to Pension Fund on the basis of another Joint Note to promote further litigation to the detriment of the banking commune.

Senior citizens like me shall be indebted to you much in case you are pleased to direct the High Courts to set up fast track benches exclusively to hear the petitions of senior citizens, who are in the December of their lives so that they are not denied their right to live forever.  It is the wish of everyone like me in the banking commune that history of Indian engraves the name of your Lordship engraved in letter of gold for making an indelible imprint.

Dated this the 24th day of October, 2018

Thanking You,

Yours respectfully,

C N Venugopalan, aged 68 years, Former Director (GoI Nominee) e-State Bank of Travancore  and Ex-Manager, Union Bank of India, “ Nandnam” Kesari Junction, N Paravur, Kerala – 683 513

Friday, October 19, 2018

Bankers write To Prime Minister But No Gain

Cbpro & Aibrf
Representation to the PM
           Dated: 01.10.2018

 Shri Narendra Modi ji Hon’ble Prime Minister of India Prime Minister’s Office South Block New Delhi-110 001

 Respected Sir,                   

PENDING ISSUES OF BANK PENSIONERS AND RETIREES 

We wish to introduce ourselves as a Coordination of the Organizations of Bank Pensioners and Retirees representing 100% of Bank Pensioners and Retirees numbering more than 5,00,000 members.

We have been engaged in taking up the grievances of Bank Pensioners and Retirees with the Banks, Department of Financial Services, Ministry of Finance, Indian Banks’ Association and also with the Department of Pension and Public Grievances. To recapitulate, the following issues were taken up by us with the IBA and Government:

 1. Uniform 30% Family Pension as available to the employees of Central Government and Reserve Bank of India,

 2. Updation of Basic Pension and Additional Pension as applicable to the  employees of Central Government and also provided under Bank Pension Regulation 35(1),

 3. 100% DA neutralization to Pensioners who retired before 01.11.2002 as  applicable to those who retired after 01.11.2002.

 4. Pension for those who resigned after completing pensionable service of 20 years.

 5. Reckoning of Special Allowance, which is akin to Grade Pay in Government Service, for the purpose of computing Pension and Gratuity.

 6. Enhanced ceiling of Gratuity from Rs. 10,00,000/- to Rs. 20,00,000/- to be effective from 01.01.2016 as given to Government employees instead of 29.03.2018.

 7. Medical Insurance Premium for Retired Bank Employees and Officers to be borne by the Banks as in case of Retired EDs, MDs, CMDs and serving employees.

 8. Addition of upto 5 years to the qualifying service in case of those Officers who joined the Bank with Specialist qualification or experience in Scientific, Technical or Professional fields – Pension Regulation no. 26.

 9. Computation of Basic Pension on the basis of last drawn Pay by striking down the explanation incorporated in Pension Regulation no. 2 (s).

10. Allowing to exercise Pension option to those who were compulsorily retired-Pension Regulation no. 33.

But we have been experiencing that despite there being a well defined National Litigation Policy, the Bank Pensioners are constrained to knock the door of judiciary even for interpretation and implementation of clear provisions in the Pension Regulations.  It  was  only  through  the  judicial  process  that  the  last  three  issues  listed under  Sl.  nos.  8-10  hereinabove  were  settled  ultimately  at  the  level  of  Hon’ble Supreme  Court  of  India  at  a  huge  cost  in  terms  of  time  and  money  witnessing unfortunate  demise  of  several  of  the  Pensioners  who  could  not  derive  the  benefit  of the settlement  of  the  issues  during  their  life time. 

 Hon’ble  Sir,  you  will  agree  and  appreciate  that  the  Public  Sector  Banks  being instrumentalities  of  the  Government  are  State  within  the  meaning  of  Article  12  of Constitution  of  India.


The  Government  of  India  therefore  exercises  administrative, functional,  pervasive  and  partially  the  regulatory  control  over  the  Public  Sector Banks.

   The  serving  and  retired  employees  of  the  Banks  are  therefore  entitled  to  be treated  equally  and  equitably  in  terms  of  Article  14,  16  and  21  of  the  Constitution  of India.    The  appointment  of  Senior  functionaries  in  Public  Sector  Banks  are  within  the domain  of  Appointments  Committee  of  the  Cabinet  (ACC). 

 The  Personnel  policies  in the  Banks  are  largely  based  on  the  policies  framed  by  Ministry  of  Personnel  as  also communicated  to  the  Banks  through  Department  of  Financial  Services. 

 This  has been  the  rationale  to  frame  Pension  Regulations  for  the  Banks  in  exercise  of  the powers  conferred  by  Section  19  of  Banking  Companies  (Acquisition  and  Transfer  of Undertakings)  Act,  1970  after  consultation  with  the  Reserve  Bank  of  India  and  with the  previous  sanction  of  Central  Government.

    These  Regulations  were  akin  to  the CCS  Pension  Rules  1972.    Hence  Bank  Pension  Regulation  56  (of  1995)  provided  as under  : “In  case  of  doubt,  in  the  matter  of  application  of  these  Regulations,  regard may  be  had  to  the  corresponding  provisions  of  Central  Civil  Services  Rules 1972  or  Central  Civil  Services  (Commutation  of  Pension)  Rules  1981 applicable  for  Central  Government  employees  with  such  exceptions  and modifications  as  the  Bank,  with  the  previous  sanction  of  the  Central Government,  may  from  time  to  time,  determine”.

It  is  in  this  background  that  we  had  taken  up  pending  issues  pertaining  to  Pension related  grievances  of  Bank  Pensioners    with  Dr  Jitender  Singh,  Hon’ble  Minister  of State  for  Personnel,  Public  Grievances  and  Pensions  after  fixing  prior  appointment on  18th  Sept  2018  and  submitted  our  grievances  to  him  with  a  request  to  help  the Bank  Pensioners  to  get  early  resolution  of  their  genuine  grievances.   

The  Hon’ble  Minister  regretted  his  inability  to  even  go  through  the  issues  mentioned in  our  letter  for  the  reason  of  not  having  any  powers  and  advised  us  to  approach Pension  Adalat  which  was  being  held  in  DRDO  Complex  on  that  day  i.e.  18.09.2018.

When  we  submitted  to  him  that  the  said  Pension  Adalat  was  meant  for  only Government  Pensioners  and  not  entertaining  the  grievances  of  Banks  Pensioners, we  meant  it  with  all  seriousness  without  craving  for  any  opportunity  for  photo  shoot as  misunderstood  by  the  Hon’ble  Minister  who  reiterated  his  suggestion  to  go  to Pension  Adalat”  .  He  then  called  his  Secretarial  Staff  and  told  him  to  guide  us  to Pension  Adalat.

  True  to  our  apprehensions,  when  the  officials  of  Pension  Adalat were  contacted  over  phone  by  his  Staff,  they  responded  by  telling  that  the  Adalat was  not  meant  for  Bank  Pensioners’  grievances.

We  thus  returned  disgusted  and disappointed.

    As  representatives  of  more  than  5,00,000  Senior/Super  Senior Citizens  who  had  contributed  their  sweat  and  toil  for  the  economic  growth  of  our Nation  and  taking  the  Banking  to  nook  and  remote  corners  of  the  country  and implementing  various  schemes  of  the  Government,  we  have  expected  at  least  a courteous  treatment  from  a  Senior  functionary  of  the  popular  and  people  friendly Government. 

 An  unexpected  and  agonising  treatment  from  the  Hon’ble  Minister,  we  were  also amused  to  learn  that  the  Department  of  Personnel  and  Public  Grievances  which  also looks after Pension and Pensioners’ welfare of Government  employees is not entertaining the grievances of Public Sector Bank Pensioners who were the public servants.

Under such circumstances we are at a loss to  comprehend the Government machinery which is competent to look into and redress the grievances of Bank Pensioners like us.

We therefore humbly request your honourable good self to consider our grievances as the ultimate head of the Government.  The settlement of our pending issues by the Government will save the poor Bank Pensioners the time and money involved in judicial resolution in the face of lavish and hefty fee which is incurred by Bank Managements who view every case filed by the Pensioners as a prestigious issue to be won at any cost.

It demonstrates a callous and cynical disregard to the Gazetted Regulations and also the provisions of National Litigation Policy of the Government.

 It is pertinent to mention that the Pensionary Benefits including updation and up gradation of Pension to the Government Pensioners are paid out of Budgetary allocations despite there being perennial and perpetual fiscal deficit which is nothing but a loss.

It is thus a settled issue that Pensionary Benefits can neither be denied nor curtailed on the pretext of cost considerations or intermittent loss incurred by the Banks.

However, the Bank Pensioners are denied the above benefits despite the Pension Funds of the Banks being robust with Rs. 3,00,000 crores and self sufficient to meet all the above mentioned demands without adversely affecting the profits of the Banks.

The present disbursements out of the Pension Funds are in the range of 30-40% of the accretion to the fund on account of interest, mandatory contributions and other yields.

The Bank losses are largely on account of huge provisions made for Non Performing Assets of large corporate defaulters which are now termed as telephone sanctions. 

We are enclosing a copy of our letter submitted to the Hon’ble Minister of State with an earnest request to your good self to look into our grievances and direct the appropriate Ministry/Department, competent to redress our grievances and oblige. 

We are writing this letter on International Senior Citizen Day with a fond hope that your honourable good self will understand our pain and agony and render justice to us by looking into our long pending grievances and provide us succour and relief expeditiously. 

With regards                                           
Yours faithfully                (A.Ramesh Babu)       (K.V. Acharya)              (S.C. Jain)           Joint Conveners, CBPRO                General Secretary, AIBRF  Encl: As above

Thursday, October 18, 2018

Message For Bank Retirees

E-mail dated 18th October, ’18 from Com.R.K.Powar,
General Secretary, All India Union Bank Retirees’ Federation

Dear all,

Our best wishes for you and your family on the auspicious occasion of DUSSHERA!!!!!

Our Bank has issued Staff Circular No.6858 dated 15/10/2018 on the subject informing therein the revised premium rates for the renewal of group Health Insurance Policy for retired employees with 4 options. The copy of the above staff circular was earlier circulated for information.
Our Maharashtra State Unit has prepared a Note on the salient features of the Scheme with additional information to the members.  Please read the attached document and take proper care while exercising options.

The increase in premium for insurance policies with and without domiciliary benefit are unjustifiably steep. 

Our national organization AIBRF is pursuing with IBA and UIIC to consider to lower the premium and also to consider the proposal of reducing the insurance cover by Rs. 1.00 each in both the categories of retired employees by which the premium amount will be reduced to make it affordable to the retired employees particularly for pre-1986 retirees, award staff and family pensioners.  We will inform the developments in the matter.

The retired employees are instructed to carefully exercise option and choose the desired policy cover mentioned in SC No. 6958.

WE APPEAL TO OUR MEMBERS AND ALSO TO OUR RETIRED COLLEAGUES THROUGH OUR MEMBERS NOT TO OPT OUT OF THE IBA/UIIC INSURANCE SCHEME BECAUSE CERTAIN ADVANTAGES STILL EXISTS IN THE POLICY. 

WE ALSO APPEAL TO RETIRED COLLEAGUES NOT TO SURRENDER THEIR PERSONAL MEDI-CLAIM POLICIES.

In case of difficulty to exercise option, please contact the following office-bearers for assistance.
1. R. K. Powar - Mob:7710030963
2. M. K. Mundul - Mob:9769842350
3. D. A. Vengurlekar - Mob:  7021803895
4. S. S. Rane Mob: 9820599870
5. Anil Deshmukh Mob:9892908130
6. Arjun Kharat Mob: 9967358649
7. Bhaskar Dode Mob: 9833051169
8. S.G. Pawar Mob: 9769778785
9. Mahajan Mob: 9004454441
Regards,
R.K. Powar, GS,AIUBRF
Asst. General Manager(Retired)
Union Bank Of India
Tel: (M) 7710030963
email: rkpowar@gmail.com

_________________________________________


UNION BANK RETIREES’ WELFARE ASSOCIATION
(Regd. No. MS/Mum/189/2017/GBBSD dated18/01/2017)
A/12, Girdhar Apartment, Kastur Park, Shimpoli Road, Borivali (W), Mumbai 400 092.

SALIENT FEATURES OF MEDICAL INSURANCE SCHEME FOR
RETIRED EMPLOYEES – POLICY PERIOD 2018-2019

Point No. 1: Options available and the revised rates of premium for the sum Insured

Cadre Option No. Type of Policy Sum Insured
(Rs. in lakhs) Amount of Premium (in Rs.)
Retired Officers I Normal Renewal
(without Domiciliary cover) 4.00 24400 + 4392 GST =Total 28792
-do- II Renewal with Domiciliary
Expenses benefits - with domiciliary cover of Rs.40000/- 4.00 69808+ 12565 GST = Total 82373
-do- III Normal (Regular) Renewal with Super Top Up 5.00 (beyond regular sum insured
Rs. 4.00) =
Total 9.00 28792 + 5049 = Total 33841 (includes GST)
Retired award staff 1 Normal Renewal
(without Domiciliary cover) 3.00 18301 + 3294 GST
= Total 21595
-do- II Renewal with Domiciliary
Expenses benefits - with domiciliary cover of Rs.30000/- 3.00 52359 + 9425 GST
= Total 61784
-do- IV Normal (Regular) Renewal with Super Top Up 4.00 (beyond sum insured Rs. 3.00) =
Total 7.00 21595 + 4657 =
Total 26252

The hike in premium amount was originally quoted by UIIC by 110% and 144% for renewal of insurance policy, now quoted at 75% (earlier 110%) for without domiciliary and 123% (earlier 144%) with domiciliary. Following table will show the reduced amount of premium

Cadre Renewal quote without domiciliary
(in Rs.)
@ 110% Renewal quote with domiciliary
(in Rs.)

@ 144 % Final quote without domiciliary
(in Rs.)
@ 75% Final quote with domiciliary
(In Rs.)

@ 123%
Retired officers (sum Insured 4.00 lakhs) 29295+5273 GST = Total 34568 76516+13773GST = Total +90289 24400+4392 GST =Total 28792 69808+12565GST = Total 82373
Premium reduced by 00 00 5776 7916
Retired Award Staff (sum Insured 3.00 lakhs) 21973+ 3944GST= 25917 57931+10428 GST=
68359 18301 + 3294 GST
= Total 21595 52359 ++ 9425 GST
= Total 61784
Premium reduced by 00 00 4322 6575

1. OPD treatment (Domiciliary) is not covered under Super Top policy.
2. In case of claim the Basic Policy as per Option I & II will be triggered first and only if the Sum insured (Rs. 4.00 lakhs for officers and Rs. 3.00 lakhs for award staff) is exhausted, the Super Top up Policy will be activated.
3. The Room Rent has been revised to Rs. 4000 per day.

Point No. 2: Online Registration:

The option for the insurance policy is to be submitted to the Bank through online Registration.  The portal has been activated with the options to continue the insurance policy and also the option of withdrawal from policy. Following steps for the online registration:

1. Go to Union Bank of India Corporate Website, http://www.unionbankofindia.co.in This site can be accessed through any computer having internet facility.
2. Go to “information for Retired Staff” under “About Us” (About us > HR) in home page.
3. Click on “Online Registration Portal”.
4. Give your PF number and Date of Birth on the login page and click on “Generate OTP”.  Please go through all the instructions given on the log in page before proceeding.
5. OTP (one time password) will be sent to the registered mobile number of the retired employee.  This OTP is to be given against the desired field to proceed for online registration.
6. Upon providing the OTP, all personal details of the retired staff, including spouse details will be displayed in Form A. Please check the details like –email address, contact number and account number.  In case any of the above field is blank or incorrect, please fill/rectify the same.

7. SUBMISSION OF OPTION:

a) Continuation: Online registration provides to select options as given on page number 1 of this document to continue in the ensuing policy.
b) Withdrawal: For retirees who are presently covered under the Medical Insurance Policy but wish to discontinue the same.

PLEASE CHOOSE THE DESIRED OPTION AND CLICK “SUBMIT” BUTTON.

c) Upon submitting the application a registration number will be generated immediately. Please note down the reference number and if required save/print the screen shot for future reference.

d) MODIFICATION OF OPTION: If you desire to change the previous option already submitted, the computer will redirect to Form “B” automatically. The option chosen previously will be displayed on the portal along with date. Upon modifying the option, click to “submit” button.

e) Only online registration is to be carried out in the given portal of the bank.  Hard copy of consent/withdrawal will not be accepted by the bank.

f) DO NOT SEND/EXERCISE THE OPTION OR ANY COMMUNICATION TO ANY OTHER EMAIL ID OR GIVEN TO THE PENSION PAYING BRANCH. BANK WILL NOT ACCEPT THE SAME.




Point No. 3:

LAST DATE OF ONLINE REGISTRATION PORTAL WILL BE ACTIVE TILL MIDNIGHT OF 22/10/2018

Point No. 4:

1. The recovery of premium amount from the individual designated account will be carried out immediately.

2. If premium cannot be debited due to shortage of funds in the account/given account number being frozen/dormant etc., the Insurance coverage of such retiree staff will stand discontinued and the bank will not be responsible for non-availability of benefits/facilities under the renewed policy w.e.f. 01/11/2018.

3. Those retirees presently under policy with domiciliary cover will be able to continue with the same on payment of revised premium.  NO NEW RETIREE WILL BE ADMITTED FOR DOMICILIARY COVER.
4. Employees who retired between 01/11/2017 and 31/10/2018 will only be eligible for the scheme, including option of policy with domiciliary, if they so desire.

Point No. 5:

In case no option is exercised, it will be presumed that retirees have opted to continue in the ensuing policy with the same option as given for the existing policy and premium will be deducted from the registered account numbers for further remittance to UIIC accordingly.

Point No. 6: LOAN FACILITY:

Bank has agreed to provide financial assistance to the retired employees ----of our BANK to enable them to pay the Medical Insurance Premium, a special scheme under Retail Loans is under consideration which will be informed separately.

We expect that the rules and procedure for grant of Loan to pay Medical Insurance Premium 2018-2019 would be on same line as prescribed last year. We are informed if there is delay to release the circular on the subject matter, the loan will be granted to a retired employee even as reimbursement to the pension account against already paid premium at a later date.

Point No. 7:

The retired employees who are presently abroad may find it difficult to exercise option because they will not be able to get OTP on their registered mobile as they do not normally carry mobile handset with Indian number.  On taking up the issue, we are informed by the bank that such retired employees should send the email to the Employees’ Benefit department, Central Office.

These retired employees should inform the department that they are presently abroad and unable to return to India before 22/10/2018 to exercise option and hence request the Bank to help to register their option. In addition, the following details are also to be submitted in their email:
1.Full Name 2. Date of Birth  3.P. F.Number  4.Inform clearly about the option chosen.

If possible, also give mobile number of a relative residing in India to whom the OTP will be sent by the bank; and in turn the relative should relay the OTP to the retired employee staying abroad to enable option online. The OTP number will be available for 12 hours.

If they are unable to provide mobile numbers of relatives in India to the Bank, they should not mention the mobile number at all. The Bank’s personnel will “key-in” the option chosen by the concerned retired employee and the acknowledgement will be sent to the retired employee at his email address.

The email address of the department at Central Office is:

staffmediclaim@unionbankofindia.com

AND CC (COPY TO)

pneelakantan@unionbankofindia.com

Point No. 8:

All the retired employees should exercise their option “Online” before the stipulated date i.e. 22/10/2018.

The prescribed premium will be deducted on or before the due date.  Please ensure to maintain required balance in the given/designated account number from 22/10/2018 to 30/10/2018 on all days.

NO DEDUCTION WILL BE MADE ON 31/10/2018.

All retirees should check whether their designated accounts are debited by the bank with the correct premium amount opted by them & as per their designation at the time of retirement.


Good News For Bank Retirees

Very important & useful information for all bank retirees who have opted for Mediclaim Insurance coverage..........

Sharing as received :

Delhi HC : Mediclaim Insurance Policy A & B : Writ Petition ( Civil ) No 264/2018 : Manohar Lal & Others Vs SBI & UIIC : In the Court of Hon’ble Mr Justice Vibhu Bakhru ( Court No 14 ) : As already Informed Writ was filed by our team on 10.01.18 & it was placed before the Hon’ble Court today at 12.34pm

Our Counsels pleaded that as per Guidelines for IRDA : Health Insurance Cover :  circulated vide Gazette Notification dated 16/07/17 ( page no 35 ) ‘ Premium on Health Cover for Senior Citizens has to be Fixed for initial 3 years whereas Bank , UIIC have hiked it to multiple times making it unaffordable to the extent that premium now Fixed is equal to 4-8 months Pension, in violation of above guidelines. Hon’ble Court was convinced and told the Banks’ Standing Counsel to look in to the matter urgently and respond to the petitioners within 15 days time .

Hon’ble Court also told our Counsels to approach IRDA , an Statutory Body for the purpose and if not satisfied with their responses than to come back to the court for further hearing/ order .

_______________€€€________€€_€_______________


Good Morning
HAPPY Ashtami

THIS MESSAGE IS FOR BENEFIT OF BANK RETIREE OFFICERS

So  please forward message to every bank officer known to any India.


""My name is R K  Munjal (post-retirement Panditji as dabble in Vedic Jyotish) I retired as Chief Manager  from a BoM Ahmedabad.

My  colleague, Shri Munender Singh, retired  AGM came across   judgements of DLC Hyderabad, RLC Ranchi, ALC Silchar; Jabalpur High Court,
Which  confirm Banks  calculations under OSR pattern violate spirit of Gratuity Act.

JUDGEMENTS say

1. BANK officers are entitled   gratuity  of 45 days salary  per year ( > 30 years service) not 15  days being paid.
2. Gratuity to be paid on
Basic+DA.
3.  Gratuity must be calculated on formulae  15/26 not 15/30 of   salary under both provisions (OSR+GPA)

My personal experience of +25 years as part of  UFBU, i affirm UFBU netas are  incapable to care  interests of bank retiree officers.

So A MOVEMENT is launched and expected to cross 2000 mark tonight ( Bank Officers scale 1 to 7 across banks) have joined.

Based on above judgements, every  Retiree Bank Officer, (with +30 years service) whoever files  claim and fights the battle ahead will be richer by average 7-10 lakhs.

And another Guarantee NO LEVY FROM ANYONE.

 And whosoever does not file claim may have to repent throughout his remaining life, as civil cases are decided between parties and courts may not suo moto enlarge its scope to include all and sundry.


Please
 FORWARD LINK TO ALL RETIREE   Bank Officers  KNOWN TO YOU

 (any bank, every bank)



LInk to join Group 8

https://chat.whatsapp.com/GxG1OPTAHXqHJkiR4bBh2w

______€__________________€_____________________


THERE IS A GOOD NEW FOR all RETIREES officers / awardstaff RETIRED DURING D01.07.1993 TO 01.11.1994 WHO WERE DENIED THE ARREARS OF GRATUITY  AS PER JOINT NOTE SIGNED IN 1995. INDIVIDUAL  RETIREE SHRI A M SAMPATH  OF BOB HAS  WON A CASE OF GRATUITY IN CHENNAI HIGH COURT ON 22.03.2018. BRIEF DETAILS ARE AS UNDER:


 A JOINT NOTE FOR OFFICERS WAGE REVISION WAS SIGNED IN 1995 WHICH WAS EFFECTIVE FROM 01.07.1993 BUT FOR PAYMENT OF GRATUITY ARREARS THE CUT OF DATE WAS FIXED AS 01.11.1994.AS SUCH  THE GRATUITY ARREARS WERE DENIED TO THOSE WHO RETIRED DURRING 01.07.1993 TO 01.11.1994.
The division Bench of Madras High Court in WP No 1040 of 2009 and MP No 1 of 2009 in Bank of Baroda Vs A M SAMPATH HAS RULED ON 22.03.2018, THAT GRATUITY IS STATUTORY LIABLITY AND BANK IS BOUND TO PAY THE STATUTORY OBLIGATION UNDER PAYMENT OF GRATUITY ACT 1972. THE SETTLEMENT BY WAY OF JOINT NOTE CAN NOT OVERRIDE THE STATUTORY OBLIGATION. HENCE GRATUITY CAN NOT BE DENIED TO THOSE WHO RETIRED DURING 01.07 1993 TO -1.11.1994. The judgment is of chennai high court and no SLP is filed as such the issue has reached finality.

Therefore the officers award staff retired during 01.07.1993 to 01.11.1994 may submit their claim to bank of baroda head office quoting above judgment . Please bring the content of this communication to those retired during above period and also to their family members who are drawing family pension of abov e retirees. regards


_______________________€€_€__________€_____

Monday, October 15, 2018

Medical Insurance Circular Union Bank

Following appears on website:
‘The details required by retirees to fill in ONLINE registration are:

1.PF Number *    2.Date of Birth *  (DD-MM-YYYY)    3.Mobile No *      4. OTP *   (OTP will be sent to the registered mobile number; OTP is valid for 12 hours.)

PLEASE GO THROUGH THE FOLLOWING INSTRUCTIONS BEFORE SUBMISSION OF OPTION.

THIS FORM IS TO BE SUBMITTED FOR CONTINUATION IN POLICY BY

A) RETIRED EMPLOYEES, ALREADY COVERED UNDER THE POLICY.

                     OR

B) RETIRED BETWEEN THE PERIOD OF 01.10.2017 TO 30.09.2018.

*BY DEFAULT THE OPTION (WITH OR WITHOUT DOMICILIARY) CONTINUES TO BE THE SAME AS CHOSEN IN PREVIOUS POLICY.*

*ANY MODIFICATION IN OPTION, IF DESIRED, IS TO BE DONE THROUGH THIS FORM.* THE RETIREE WISE LIST OF OPTIONS (WITH/WITHOUT DOMICILIARY) IS DISPLAYED ON UNION BANK CORPORATE WEBSITE.

IF NO MODIFICATION IS DONE, THE OPTION CHOSEN IN LAST POLICY WILL BE CONTINUED FOR THIS POLICY TOO.

THIS DATA WILL BE FREEZED ON *22nd OF OCTOBER.

THIS MODULE WILL NO MORE BE AVAILABLE TO THE RETIRED EMPLOYEES AFTER THIS DATE.*

PLEASE REFER *STAFF CIRCULAR 6858 DATED 15.10.2018 FOR CLARIFICATION REGARDING SUPER TOP UP SCHEME IN INSURANCE POLICY*.
PLEASE ENSURE TO PRESERVE A COPY OF ACKNOWLEDGMENT GENERATED UPON SUBMISSION OF OPTION.

Union Bank
HUMAN RESOURCES DEPARTMENT
EMPLOYEE BENEFITS DIVISION
239, Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021

STAFF CIRCULAR NO. 6858 October 15, 2018
To: All Branches/Offices,

Subject- Medical Insurance Scheme for Retired Employees Policy Period 01.11.2018 to 31.10.2019

1 . Attention is invited to Staff Circular No 6243 dated 18.09.2015 providing the details of the Medical Insurance Scheme introduced as per Bipartite/ Joint Note dated 25.052015 signed between Associations/ Unions and IBA.

2. The present Insurance Policy for retired employees will expire on 31.10.2018- and to ensure uninterrupted policy coverage, premium for renewal of the policy is to be remitted,in the month of October. 2018.

3. We are in receipt of a letter dated 09.10.2018 from the Indian Bank Association (IBA) addressed to CEOs of all, member banks. providing the revised- premium rates for renewal. of Group Health Insurance - (Retirees). The revised rates as provided by UllC are as foltows:.

OPTION
Normal Renewal (Without Domiciliary cover)
Cadre Insurance Premium per year Sum Insured
Retired Officer irrespective of grade/ scale Rs 24400/- + Rs 4392/(18% GST) = Rs.28792/- lakh only)
Retired award staff including housekeepers Rs 18301/- + Rs 3294/(18% GST) = Rs.21595/- lakh only) Three
OPTION
With Domiciliary Expenses Benefits Option (59 diseases as per retiree policy circulated through Staff Circular 6467). Annexure I
For Retired Officers - Domiciliary Cover of Rs.40,000/- with overall Sum Insured of
For Retired Award staff - Domiciliary Cover of Rs.30,000/- with overall Sum Insured of
Cadre Insurance Premium per year Sum Insured
Retired Officer irrespective of grade/ scale Rs 69808/- 12565/- (18%
CST) = Rs.82373/- (Rs Four lakh only)
Retired award staff including housekeeper Rs 52359/- + Rs.9425/- (18% CST) = Rs.61784/- Three lakh only)
Option Ill and IV
Super Top Up: Super top up is an additional Insurance Coverage beyond the regular Sum Insured, available to the retired employee on payment of extra premium, as given in the following table:
Cadre Regular Sum -Insured Super Top Up
Beyond
Regular -Sl- Extra
Premium Payable Total Sum Insured with Süper Top -up
Retired Officer Rs.5049/- Rs. 9, 00, 000/Nine lakh only)
Retired award- staff including housekeeper Rs.4657/- Seven lakh only)
The salient features of Super Top-Up Policy are as follows;

OPD treatment (Domiciliary) is not covered under this policy. In other words for all the retirees who opt for with domiciliary policy + top up, the OPD expenses coverage by default is Rs.40,000/- and Rs.30,000/- respectively for officers and award staff retiree unless opted otherwise.

The Super top up policy commences w.e.f. 01 .11.2018 and the period will be identical to the main policy date i.e. expiry date will be 31.10.2019.

-In case of: claim the basic policy will be triggered first and only if the Sum for officers and for award staff) is exhausted, the Super Top Up policy will be activated.

4. Online Registration: A portal has been designed specifically with all the above options (to continue in the policy) and also the option of withdrawal from policy which will enable the retirees to submit their option through online registration. The link to online registration has been made available at Union Bank of India Corporate Website under the "Information for Retired Staff" Portal. It will be available on Bank's website w.e.f. 15th October 2018 to 22nd October 2018.

5. Please refer to para 5 of SC 6838 dated 04.09.2018, where 15 days window for online registration was proposed. However, due to the continuous negotiations going on between IBA and UllC, the final communication was received today only i.e. 15.10.2018 as such the online registration portal will now be available only for 7 days.

6. The steps for online registration are given in Annexure ll.

7. Acknowledgment of submission: Upon submitting the application a registration number will be generated immediately. Retirees are requested to note down the reference number. If required they can also save/print the screen shot for their future reference.

8. Modification of Option: If the retired employee has already submitted his/her option -in the portal- and wish to change their previous option, upön- second/third : login, the computer Mill redirect to form B- automatically' The option Chosen previously wilt be displayed on the portal along with date. Upon modifying the option, click. on submit button. Please see Annexure IV.

9, Last Date of Online Registration: The online registration portal will be active till 23:59 of 22.10.2018.

10. Special Note: Applicable for all existing retirees, covered presently in the Medical Insurance Scheme:

The options, opted till 22.10.2018 will freeze on 23.10.2018 and deductions will be carried out immediately. Request of further modifications will not be entertained.

• Only Online registratiön to be carried out in the given portal will be acceptable.

Hard copy of consent/ withdrawal, as circulated vide previous Staff Circulars, must not be submitted for registration under ensuing policy.

Consent/withdrawalin reference to the ensuing scheme, submitted in hard copy or by email, either at branch or at Central Office stands null and void.

As informed by Insurance Company, only those retirees presently under policy with domiciliary cover, will be able to continue with the same, on payment of revised premium. No new additions will be there in the policv with domiciliary cover.

However the employees who retired between the period of 01 .10.2017 to 30.09.2018 have option to join the Medical Insurance Policy with or without Domiciliary cover irrespective of their option given at the time of retirement.

11. By Default Option: In case no option is exercised, it will be presumed that retirees have opted to continue in the ensuing policy with the same option as given for the existing policy and premium will be deducted from the registered account numbers for further remittance to UllC accordingly.

12. Bank will not be responsible for any communication sent to any other e mail ID or given to pension paying branch.

13. Those who wish to continue with the above Schemes are requested to keep adequate balance in their account as the insurance premium will be debited to their account on or after 23.10.2018.

14. If premium cannot be debited due to shortage of funds in the account/given account number being frozen/dormant etc, the Insurance coverage to such retiree staff- will stand discontinued and the Bank witt not be- responsible for non availability. of benefits [facilities under the above Insurance Policy w.e.f.
01.11.2018.

15. The facilities of cashless hospitalization and reimbursement including domiciliary (Option IT) will continue uninterrupted in all the tie-up hospitals upon renewal of policy and as per the online option exercised by the concerned retiree as stated' above for the period of 01.11.2018 to 31 .10.2019.

16. Major Modifications: Room rent ceiling is fixed at Rs.4,OOO/- as compared to earfier Rs.5,OOO/-. All other terms and conditions of the present policy remain the same as was in the previous policy including basic Sum Insured.

17, Loan facility: In order to provide financial assistance to the retired employees of our Bank to enable them to pay the Medical Insurance Premium, a special scheme under Retail Loans is under consideration, which will be informed separately.

18. Bank is in continuous contact with IBA and UllC. Any modification in option/ premium will be updated in the application portal accordingly.
19. All retired employees. are requested to co-operate with us and ensure completion of the exercise within the set timelines.
20. Contact Details: For any kind of query regarding online registration, Medical Insurance Team members may be contacted on the following numbers:
Landline- 022- 22896255
: 116250, 116252, 1 16253
Name of Officer Zones Allotted
1 . Shri Pankaj Gupta Delhi, Lucknow, Varanasi
2 Shri Anshul Jain Bangalore, Chennai, Ranchi
3 Shri Kiran Chawak Ahmedabad, Bhopal, Kolkata, Mumbai, Pune
4 Smt Shilpa Sharma Sarkar Escalation
The Central TPA may be reached at the following numbers:
Contact Person Name Landline
1. Mr Abhishek Kokate -2. Ms VarSha Vora 116255 022-22896298
Annex sc 6838
Domicitiarv Hospitalization I Domiciliary Treatment

Sr. No. Treatmerüs
1 Cancer
2 Leukemia
3 Thalassemia
4 Tuberculosis
s Paralysis
6 Cardiac Ailments
7 Pleurisy
8 Leprosy
9 Kidney Ailment
10 All Seizure disorders
11 Parkinson's diseases
12 Psychiauic disorder including schizophrenia and psychotherapy
13 Diabetes and its complications
14 Hype:tension
Hepatitis —B
16 Hepatitis: - C
17 Hemophilia
18 Myasthenia gravis
19 Wilsdn's disease
20 Ulcerative Colitis
21 Epidermolysis bultosa
22 Venous Thrombosis(not caused by smoking) Aptaslic Anaemia
23 Psoriasis
24

26 HYOOt_hSiiOidiSaq
27 Hyøetthyiöidism:e.xpenses:: andkleükemia
28 Glaucoma
29 Tumor
30 Diptheria-:
31 Malariå
32 Nön•mcoholic Cirrhosis of Liver
33
34 Typhoid
Accidents of:Serious Nature
36 Cerebral Palsy
37
38 All Strokes Leading to Paralysis
39 Haemorrhages caused by accidents
40 All animal/teptile/insect bite or sung
Chronic pancreatitis
Immuno suppressants

Domtcilta" Hospitalizatton / DomiciliarvTreatment

Sr. NO. Treatments
43 Multiple sclerosis / motor neuron disease
Status anhamaticus
Sequalea o[meningitis
46 Osteoporosis
Muscular: dygttqphies
Sleep syndrome(not related to obesity)
Any organ related (chronic) condition
SO Sickle cell disease
Systemic lupus erythematous {SLE)
Any connective tissue disorder
varicose veins
Thrombo embolism venous thrombosis/venous thrombo embolism (VT E)]
SS Growu• disorders
Graves' disease
Chronic Pulmonary Disease
Chronic Bronchitis
59 Physiothetapy and swine flu shaft be considered for reimbursement under domiciliary treatment.

Annexure Il to SC 6858 3
STEPS FOR ONLINE REGISTRATION:
GO to Union Bank of India Corporate Website, http://www.unionbankofindia.co.in, This site can be accessed through any computer having internet facility.

Go to "Information for Retired Staff" under "About Us" (About us > HR) in home page.
Click on "Online Registration Portal".
Give your PF number and Date of Birth on the login page and click on "Generate OTP". Please go through all the instruction given on the log in page before proceeding.

OTP (one time password) will be sent to the registered mobile number of the retired employee. This OTP is to be given against the desired field to proceed for online registration.
Upon providing the OTP, all personal details of the retired staff, including spouse details will be displayed in Form A. Please check the details like e-mail address, contact number and account number. In case any of the above field is
Submission of Option:
Continuation:- Online registration provides to select between Five options as given in the circular, to continue in the ensuing policy.
Withdrawal: For retirees who are presently covered under the Medical Insurance Policy but wish to discontinue the same.
Please choose the desired option and

Annexure V to SC 6858
TO BE DISPLAYED ON BRANCH NOTICE BOARD
Union Banf
Branch
Revised premium rates, as proposed by United India Insurance Company (UIIC), for Medical Insurance Scheme of Retired Employees, for the period of 01.11.2018 to 31.10.2019 are as follows;
Option Annual Premium for Clerk/ Sub Staff Cadre inc
CST Annual
Premium for Officer Cadre inc CST
1 . Without
Domiciliary Rs.21595/- Rs.28792/-
2. With Domiciliary Rs.61784/- Rs.82373/-
3. Without
Domiciliary + Super
Top UP Rs.26252/- Rs.33841/-
4. With Domiciliary + Super Top Up Rs.66441/„ Rs.87422/-

Saturday, October 13, 2018

An Appeal to Bankers BY A Banker on Wage Talk Drama

Dear Bankers,


It is time to come out of our differences as Officers and Workmen and unite together to take a tough yet bold decision to decide our future…

Let us not allow the decade old leaders to spoil our future…

The IBA-UFBU wage Talks has become a big Drama drafted by some UFBU leaders in collusion with IBA and Govt. The OCT 12 talks is yet another series of the Drama…

From the prolonged delay in the Wage talks the agenda of some of the leaders is getting exposed..…and they have also lost their guts and courage to call for Strike neither to demand Salary nor to Stop Mergers…

 At this juncture, very important development is….

Two Historic writ petitions (W.P.(MD) No.21195 of 2018 & W.P.(MD) No.19947 of 2018) have been filed at Madurai bench of Madras High Court one by Com Dhanasekar and another by Canara Bank OBC Welfare Association to direct the IBA to implement minimum starting pay of Group C employees in Central Govt to the Workmen (Clerk & Sub staff) and Group A salary to JMGS I officers based on the Creamy Layer Notification issued by Department of Financial Services dated 06.12.2017 which states that

 “JMGS I of PSBs will be treated as equivalent to Group A in Govt of India”

&

Clerks & Peons in PSBs will be treated as equivalent to Group C in Govt of India”

 Without bringing parity in the salary and perks implementation of this notification is not possible hence the Writ petitions were filed.  Once implemented, the cadre wise salary and perks will be same for all bankers irrespective of the category.


The said Notification was sent to the CEOs of all PSBs and the Chairman of IBA on 06.12.2017 itself. All the UFBU leaders were also aware of this notification.

But, when the DFS notification says that workmen and officers of PSBs are equivalent to the Group C and Group A employees of Central govt respectively, who is IBA to stop that?  Why some UFBU leaders also trying to stop that?


The Hon’ble Court also kindly considered our demand as genuine and sent notices to IBA and DFS to submit their reply.  If the IBA implement the direction of the Hon’ble Court if comes in our favour, then the bankers starting Basic Pay will be as follows.

Cadre                   7th Pay Commission      10th Bi-Partite

Sub Staff                   18000                           9560                   

Workmen                    35400                         11765

Officers                      56100                          23700
                                       
                                                           
If the UFBU Leaders are sincere in their efforts to achieve Wages equivalent to Central govt Staffs then they should have pressurized the IBA to implement the Notification of Department of Financial Services dated 06.12.2017. But they have not done so. This shows their agenda is entirely different and certainly not in favour of us…

Whether they are going to get us more than the salary of Central Govt Staffs through Bipartite?

The circular issued by Com Bandlish, UFBU Convenor on 13.10.18 speaks follows…

“1. IBA’s earlier offer of 6% should be substantially improved upon to work out a mutually acceptable wage accord. “

Why UFBU leaders should beg like this? and why the convenor should issue circular for begging? …when we have DFS notification and Judiciary in our support…

The UFBU convenor Com Bandlish should have issued the circular as follows…

 “IBA should implement the Minimum basic pay of Group C Employees of Govt of India to Clerks and Substaffs, Minimum basic pay of Group A officers of Govt of India to JMGS-I officers as per DFS notification dated 06.12.2017”

 But he did not….This shows they are not willing to demand Wages on parity with Central Govt employees.

The Charter of demands submitted by four officer organizations demanded the parity with Central Govt officers. Then how Com Bandlish was allowed by the leaders of those UFBU affiliates to issue such circular against their original demands?

 It is learnt that IBA is going to submit a reply to the Hon’ble court that The Implementation of the DFS Order dated 06.12.2017 is not possible as the bankers wages are decided through Bipartite. Shocking point is some of the veteran UFBU leaders may also support the IBA stand…


To put it in Simple terms…

UFBU Leaders may give their consent to IBA that they will not demand implementation of DFS notification for Salary in parity with Central Govt Staffs.

When Govt notification supports our demands…When Judiciary considering our demands…Why some few UFBU leaders desperately trying to spoil the future of lakhs of Clerk, Substaff and Officers of Public Sector Banks by colluding with IBA?



We, 10 Lakh bankers should unite now and demand our leaders not to give consent to IBA either directly or indirectly against Court Notice.


Immediately after receiving this email/communication please share with your local, regional and national leaders of all 9 UFBU affiliates comprising both workmen and Officers and pressurize them not to beg on percentage concept but to demand Salary in parity with Central Govt employees.

Every single minute is important from now onwards comrades…

The Govt/RBI/IBA suck our blood for the pity salary…..Hence it is time to stand up and say…We are not salves anymore and we deserve more Wages equivalent to Central Govt Salary..

Go ahead and bombard the mailboxes and whatsapp of your respective leaders to support the Writ petitions (W.P.(MD) No.21195 of 2018 & W.P.(MD) No.19947 of 2018) to implement minimum starting pay of Group C employees in Central Govt to the Workmen (Clerk & Sub staff) and Group A salary to JMGS I officers based on the Creamy Layer Notification issued by Department of Financial Services dated 06.12.2017 which states that

“JMGS I of PSBs will be treated as equivalent to Group A in Govt of India”

&

Clerks & Peons in PSBs will be treated as equivalent to Group C in Govt of India”
 I have attached the DFS notification and contact person to join the writ along with this email.

Go ahead comrades…

 Comradely,

Sivakumar Duraipandy

W.P.(MD) No.19947 of 2018
**********************************

S DHANASEKARAN

S/O M M SUBRAMANIAN

PLOT NO. 130, S R V NAGAR MAIN ROAD,

THIRUNAGAR

MADURAI 625006

 9489652559

8610528310

E.  FOR COORDINATING KINDLY CONTACT

K R A MURUGAN

9597224488


W.P.(MD) No.21195 of 2018
*******************************


A.Santhana Pandiyan

Regional Secretary – Madurai Region

All India Canara Bank OBC Employees Welfare Association

Contact No: 8610885574


_________________________________


*AIBEA and its downfall is because of their wrong leader CHV - Led to burial of prospects of banking fraternity*

Sad to see having AIBEA, so many dissidents are taking birth. Sad to see the tall CHV getting panicked and start digital campaign.

This panicked CHV crusified AIBEA after taking the organisation from com Tarakeswar Chakraborthy, who was a status quo leader.

Now Com Parwana nor Com Prabhatkar like tall leaders only can imbibe life into dead AIBEA. Except clinching pension in 1997, this Organisation has done nothing thereafter. They surrendered the bargaining power of 10 Lakh plus bank employees to IBA and Bank Managements. This happened over a period of 20 years due to status quo, incapacitated and present corrupt leader, the great CH Venkatachalam.  The 1995 Pension agreement was not implemented as agreed. For this AIBEA is silent and was silent. AIBEA never insisted the bankers to implement pension in lines of CPC as drafted in pension agreement.

In 2001, VRS bonanza was accepted by TU's, giving way to paying reasonably handsome Ex Gratia and pension optees getting pension from date of retirement. Instead of pension payment from their attaining superannuation age ie from 60 years. This led to deficiency of pension corpus from 2002, as the pension optees contribution was meagre and withdrawals was large. This problem was trusted on the inservice bank employees in 2010.  Cleverly UFBU linked wage revision to second option pension option pretending they are for employees. Later made the pension optees agree for a Heavy penalty of surrendering their wage revision arrears for improvising the Pension Corpus. Already retired were asked to pay back their PF settled with interest to join pension scheme. Great drama enacted by both AIBEA and IBA. 

Later AIBEA was silenced slowly year on year by IBA saying NPA's and pension is burdening the bank profits so 'no revision'. Alternatively offer was given for 8%, 5% and 2% hike to bankers unlike rise of 20% in other PSU's. A time comes, XI BP, wherein IBA tells that all banks will not get wage revision, all bank-men will not get wage revision, but few down the line will get. For others, wage revision will be depending on banks health and bank-men performance.  This is the 20 years success story of great mighty AIBEA under stewardship (mostly) of CHV., alias CH Venkatachalam, around 70 years old veteran leader.

CHV the Great leader, does not want to step down even at 70 years of age, still want to represent, dictate all other apex Bank unions showing strength of AIBEA. CHV twists UFBU to his advantage whomsoever may be Convenor of UFBU. In this past 15 years CHV has become as rich as Tamilnadu politicians.   His greed for power and hunger for illegal kickbacks by surrendering the bargaining power of Trade Unions did not end here. He started meddling with Bank retirees issues. In X BP he collided with IBA and made heinous note drafting illegal definition on 'contractual relationship between bank management and the retirees' and made UFBU sign it. This is the height of his greed, which witnessed  sacrificing the interests of retirees, he himself being a Retiree.

Apart from BP earnings, the latest Medical Group Insurance policy fetched TU leaders enough money year on year under stewardship of CHV. These UFBU leaders, in the name of continuation of scheme negotiate for retirees an annual increase in insurance premium payable. They don't rub the same on account of Inservice Employees Insurance premium payable, as that is paid by their counterparts, that is IBA or Bank Managements. Today bank retirees are the worst sufferers not having got their justifiable superannuated benefits in every Bipartite's from VI BP onwards. DA anomalies, fixation differences, non up-gradation of pension, introduction of special allowance, cut off dates for benefits like gratuity, non insistence of retirees premium to be borne by managements from welfare fund etc., all these issues/ problems mishandled and created by union leaders are being fought by poor retirees in several Courts with their own money.  Apart from above the biggest crime committed by UFBU  is allowing IBA to misinterpret Pension Regulations 1995, for calculation of pension, recovery of disbursed pension etc., Recently UFBU keeps mum on change of effective date of Gratuity enhancement, when all other PSU's get as per house decision ie from 01/01/2016.

Retiree Friends, awake and arise at least now, before your AIBEA led UFBU and APBRF bury you alive.

A victim and well wisher of bank pensioners

 K. Rohini Rao
Retired officer SBH

If you like this, forward to as many as possible. I don't fear to speak what I believe true, and ready for legal consequences according to new laws.

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