Terminal Benefits available to Family of a Deceased Government

 Terminal Benefits available to Family of a Deceased Government 

Employee and Process

Following benefits are granted to family on death of a Government Employee during 

service:

(A) For Government Employees covered under CCS(Pension) Rules, 1972:

(i) Family Pension 

(ii) Death Gratuity,

(iii) Accumulation under General Provident Fund

(iv) Leave encashment

(v) CGEGIS 

(vi) CGHS or FMA

(B) For Government Employees covered under NPS:

(i) Benefit from accumulated pension wealth under NPS or family pension under 

CCS(Pension) Rules, 1972 as per option or default option,

(ii) Death Gratuity,

(iii) Leave Encashment,

(iv) CGEGIS

(v) CGHS

Necessary Forms to be filled by claimant for benefits:

(i) Family pension – claim in Form 14 of CCS(Pension) Rules

(ii) Death Gratuity- claim in Form 12 of CCS(Pension) Rules

(iii) Leave Encashment, CGEGIS, GPF- No form or application is required

(iv) CGHS- Form prescribed by Ministry of Health and Family Welfare

Family pension and death gratuity for Central Government Employees is processed through 

BHAVISHYA software. Other benefits are granted by HOO to the eligible member(s) through 

issue of sanction.

For Family pension (In-service death of Government Employee) and Death gratuity 

following documents are required:

(A) For Family Pension:

i. Death certificate of Government Employee

ii. PAN number of Claimant (Photocopy)

iii. Details of single holder Bank Account of claimant

iv. Address Proof

v. Passport size photo (two)

vi. Two specimen signatures of claimant

vii. Details of height and personal identification

viii. Contact details (Mobile No. and Email (if any))

(B) For Death Gratuity:

i. Death Certificate of Government Employee,

ii. Bank account details of nominee(s),

iii. PAN number of Claimant (Photocopy),

iv. Separate claim for each nominee

(C) For other benefits (Leave encashment, CGEGIS, GPF)

i. Death certificate,

ii. Bank accounts details of claimant

Leave encashment and GPF benefits can be Immediately Sanctioned on receipt of above 

documents from the claimant.

Process for claim for grant of family pension and death gratuity:

• Under the BHAVISHYA software, it is the responsibility of the Head of Office to process 

the grant of family pension and death gratuity to eligible member / nominee.

• Head of Office will obtain information from eligible member in form 14 and form 12 or 

in person and fill details in the BHAVISHYA through his login and password. He will 

upload all necessary documents in the software including photo, signature, certificates 

etc.

• Head of Office forward the same through the system (BHAVISHYA) to Pay and Account 

Office. 

• HOO will forward physical signed documents along with enclosures to PAO.

• PAO would process the same and forward it to CPAO for issue of SSA. PAO will pay the 

death gratuity and also send a signed copy of PPO to CPAO.

• CPAO would send information to Bank for payment of family pension.

Sanction of Provisional Family Pension by Head of Office: ( clarification issued vide 

DoPPW OM No. 1/11/2020-P&PW (E) Dated 29.7.2020

It has been decided to relax the provisions of rule 80-A of the CCS (Pension) Rules, 1972 to the 

extent that if a claim for family pension in Form 14 along with death certificate and bank 

account details of the claimant has been received and the Head of Office is satisfied about the 

bonafide of that claim, he shall sanction provisional family pension immediately. The Head of 

Office shall not wait for forwarding of the family pension case (including Form-14, Form-18 

and other relevant documents mentioned in Rule 80) to Pay & Accounts Office before 

sanctioning the provisional family pension.

The amount of provisional family pension shall not exceed the maximum family pension as 

admissible under Rule 54 of CCS Pension Rules, 1972. 

The Pay & Accounts Office shall release the provisional family pension on the basis of sanction

order issued by the Head of Office without insisting for any other documents including service 

book. The provisional family pension shall be paid in the same manner as Pay and Allowances 

of the establishment are paid.

--- End

https://pensionersportal.gov.in/Document/Terminal_Benefits_FP.pdf

National Pension System (NPS)-Central Government employees

 National Pension System (NPS) 

Important initiatives for Central Government employees covered under NPS

 A New Pension Scheme (Contribution based Pension Scheme) now called National Pension System (NPS), was introduced for Central Government employees vide Ministry of Finance (Department of Economic Affairs) Notification No. 5/7/2003- ECB & PR dated 22nd December, 2003. NPS was made mandatory for all new recruits to the Central Government service (except the armed forces) from 1st January, 2004. 

After the enactment of the PFRDA Act, 2013, as per Section 20 of the Act, the pension scheme notified on 22.12.2003 has become the National Pension System under the Act. NPS is now regulated under PFRDA Act, 2013 and regulation framed thereunder by Department of Financial Services and PFRDA

 With the introduction of NPS w.e.f. 01.01.2004, amendments were made on 30.12.2003 to Central Civil Services (Pension) Rules, 1972, Central Civil Service (Commutation of Pension) Rules, Central Civil Services (Extraordinary Pension) Rules, General Provident Fund Rules and Contributory Provident Fund Rules to the effect that the benefits under these rules would not be applicable to the Government employees appointed on or after 1.1.2004 and covered by NPS.

 (A) Initiatives by Department of Pension and Pensioners’ Welfare 

• Department of Pension and Pensioners’ Welfare O.M. No. 38/41/06- P&PW(A) dated 05.05.2009- Benefits under CCS(Pension) Rules, 1972 or CCS(Extraordinary Pension) Rules, 1939 were extended to the Central Government employees covered under NPS vide Department of Pension and Pensioners’ Welfare O.M. dated 05.05.2009 in the event of in-service death of Government servant or his discharge from Government service on account of invalidation or disablement.

 Government servant can submit his option in this regard. In the case Government servant avails the benefits under the old pension scheme in the event of in-service death or discharge from service on invalidation or disablement, the Government contribution and returns thereon in the accumulated pension fund of the Government servant under NPS would be surrendered into the Government account and employees contribution with return thereon would be returned to the Government servant or his family.

• Department of Pension and Pensioners’ Welfare O.M. No. 7/5/2012- P&PW(F/B) dated 26.08.2016- The benefit of retirement gratuity and death gratuity have been extended to the Central Government employees covered under NPS vide DoPPW O.M. dated 26.08.2016 on the same terms and conditions as are applicable under CCS(Pension) Rules, 1972.

 • DoPPW O.M. No.7/5/2012-P&PW(F/B) dated 12.02.2020 has been issued for providing instructions regarding counting of service for the purpose of grant of gratuity or grant of pro-rata gratuity in case of mobility of a Central Government employee to other organizations through proper channel.

 • DoPPW OMs. No. 28/30/2004-P&PW(B) dated 26.07.2005 and 28.10.2009- Instructions were issued by DoPPW vide OM dated 26.07.2005 for counting of past service rendered in a Government service or service of an autonomous body having CCS(Pension) Rules and appointed on or before 31.12.2003 on mobility to Central Government service / service of an autonomous body on or after 01.01.2004 after submitting technical resignation from previous service to provide for the continuance of pensionary benefits based on combined service in accordance with CCS (Pension) Rules, 1972.

 DoPPW OM dated 26.07.2005 was further modified vide OM dated 28.10.2009 allowing counting of past service rendered by an employee in Central Government / State Government / autonomous body under CCS(Pension) Rules or other pension scheme similar to CCS(Pension) Rules,1972, who was appointed prior to 01.01.2004 and moved to Central Government service/Service of an Autonomous body on or after 01.01.2004 after tendering technical resignation from previous service for the purpose of their continuation under old pension schemE

. • DoPPW OM No. 1/3/2019-P&PW(E) dated 01.01.2021- Instructions have been issued vide DoPPW OM dated 01.01.2021 that if a Government employee appointed on or after 01.01.2004 and covered under NPS is disabled, he shall also be eligible to receive a lump sum compensation computed in terms of rule 9(3) of CCS(Extraordinary Pension) Rules, if the disablement is attributable to Government service and the Government employee is retained in service in spite of such disablement.

 • DoPPW OM No. 57/4/2019-P&PW(B) dated 17.02.2020 - An OM dated 17.02.2020 has been issued by Department of Pension and Pensioners’ Welfare providing that in all cases where the results for recruitment were declared before 01.01.2004 against vacancies occurring on or before 31.12.2003, the candidates declared successful for recruitment shall be eligible for coverage under the Central Civil Services (Pension) Rules, 1972. Accordingly, such Government servants who were declared successful for recruitment in the results declared on or before 31.12.2003 against vacancies occurring before 01.01.2004 and covered under the National Pension System on joining service on or after 01.01.2004, may be given a one-time option to be covered under the Central Civil Services (Pension) Rules, 1972 

. • CCS (Implementation of National Pension System ) Rules, 2021 were notified on 30.03.2021 for regulating service related matters for Central Government employees covered under NPS.

 (B) Initiatives by Department of Financial Services

 • National Pension System (NPS) was introduced for Central Government employees vide Ministry of Finance (Department of Economic Affairs) Notification No. 5/7/2003-ECB & PR dated 22nd December, 2003. NPS is now regulated under PFRDA Act, 2013 and regulation framed thereunder by Department of Financial Services and PFRDA. 

• Under the NPS, every Government servant is registered and allotted a Permanent Retirement Account Number (PRAN). Before 1.4.2019, a Government employee had to mandatorily contribute 10% of pay and Dearness Allowance (DA) and an equal amount of 10% was contributed by the Government to the employee’s pension fund.

• The contribution made by the employees and contribution from the Government were invested by Pension Fund Managers in accordance with the investment pattern prescribed by the PFRDA for Central Government employees. There were three PSU Pension Fund Managers for Government employees. Government employees had no choice for Pension Fund Managers or investment pattern.

 • On exit from NPS on superannuation, an individual is mandatorily required to invest at least 40% of the accumulated pension corpus in Tier-I to purchase an annuity from an Annuity Service Provider an Insurance Regulatory and Development Authority (IRDA) regulated Insurance Company registered with PFRDA and a maximum of 60% of the accumulated corpus in the Tier –I account is given to the individual in lump-sum. If the Government servant exits from NPS before superannuation (i.e. before 60 years of age), he/ she has to invest at least 80% of the accumulated corpus to purchase an annuity and the remaining 20% can be withdrawn as lump sum

. • Department of Financial Services notification dated 31.01.2019 – In implementation of the recommendations of the committee constituted for suggesting measures for streamlining implementation of NPS, Department of Financial Services vide their notification dated 31.01.2019 extended following benefits to Government employees covered under NPS:  

(i) Employee contribution 10% of the salary and DA with matching contribution @ 14% by the Government w.e.f. 01.04.2019.  

(ii) Investment of NPS wealth upto 95% in infrastructure/Debt funds and 5-15% in equity for Government employees. Life Cycle based funds viz. LC-50 and LC-25 also available w.e.f. 01.04.2019. 

(iii) Option for investment choices and Pension Fund made available to Government servants w.e.f. 01.04.2019.

 (iv) Investment in NPS Tier II has been brought under Section 80 C for tax exemption w.e.f. 01.04.2019.

 (C) Initiatives by Department of Personal and Training

 • DOPT OM No. No. 28020/1/2010-Estt.(C) dated 17/08/2016 – Department of Personal and Training have issued consolidated guidelines on technical resignation and lien for Government employees covered under NPS. Instruction contained in the OM are related to carry forward of leave and LTC, Pay Protection, seniority, retention of Lien, Joining Time, Travelling Allowance, transfer of service book etc. on mobility to other organization after technical resignation from previous organization. 

 • DOPT OM 28035/2/2014-Estt.(A) dated 10/06/2019 - Instructions were issued by Department of Personal and Training on withdrawal of resignation of Central Government servants appointed after 31.12.2003 covered under the National Pension System (NPS)

(D) Initiatives by Ministry of Health and Family Welfare  

• Ministry of Health and Family Welfare OM No. S.11011/10/2012-CGHS (P)/EHS dated 28.03.2017 – Ministry of Health and Family Welfare issues instruction on extending benefit of CGHS to Government employees covered under NPS, subject to conditions that:

 i. Minimum years of qualifying service for eligibility of CGHS membership after retirement- 10 years. 

ii. No minimum qualifying years of service for availing CGHS facilities in case of. death/disability. 

iii. Other conditions such as definition of family, CGHS contributions,