One such rule is related to the pension of central employees. Actually, the Unified Pension Scheme (UPS) is going to be implemented from April 1. This is a new pension scheme launched by the Government of India for central employees. It was approved by the Union Cabinet in August 2024, which will now come into effect from April 1, 2025. Its implementation is expected to benefit about 23 lakh central employees.

What is Unified Pension Scheme

The central government has tried to provide an option for central government employees under this scheme. This scheme will be available as an option under the National Pension System (NPS), in which employees can choose between NPS and UPS.

Special things about UPS

There is a provision of fixed pension in this scheme. Employees who have completed 25 years or more of service will get 50% of the average basic salary of the last 12 months before retirement as pension. At the same time, employees with 10 to 25 years of service will get pension in proportion to the service period. Apart from this, employees who have completed a minimum of 10 years of service are guaranteed a pension of at least Rs 10,000 per month.

Family Pension

Talking about family pension, on the death of a central government employee, his family will get 60% of the employee’s pension. Employees will contribute 10% of their basic salary in the scheme. At the same time, the government’s contribution will be 18.5%. Let us tell you that the government will contribute 14% in NPS. This scheme is applicable for central government employees included in NPS, who choose it. At the same time, employees with a minimum of 10 years of service will be entitled to a fixed minimum pension.

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Rule 54 of the Central Civil Services is a social welfare scheme, under which the spouse, parents, children, and disabled siblings of a government employee get pension on his death.

Members eligible to receive pension:

The following persons are eligible for family pension under Rule 54 of the Pension Act:

1. Spouse (husband or wife) of the deceased employee
2. parents of the deceased
3. Children
4. Siblings with disabilities

What is the eligibility of the daughter:

The daughter of a deceased employee is entitled to family pension under certain circumstances:

• An unmarried daughter remains eligible for pension until she gets married or starts earning on her own.
• A widowed or divorced daughter may be eligible to receive family pension for life, provided the employee has mentioned her name in Nomination Form 4.
• A disabled daughter can get family pension for life or for 25 years.

Other special rules:

1. If both parents were government servants, the daughter is eligible to receive two pensions, but the amount should not exceed ₹1,25,000 per month.
2. In case of twin sisters the pension amount is divided equally.
3. An unmarried daughter being the eldest child is entitled to family pension in the absence of her parents.
4. If the deceased employee has not nominated his/her adopted daughter, he/she may be denied family pension.

As per the government rules, this family pension is not only a source of financial help but also an important support for the families whose dependent member has died an untimely death.

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For this family pension, the employee gives the names of his family members, so that his family continues to get financial assistance after his death.

Central Civil Services Rule 54 Central Civil Services Rule 54 is a social welfare scheme. Under this scheme, financial relief is given to the spouse or children of pensioner employees who have died.

Who is entitled to get pension under Rule 54? Under Rule 54, the following people are entitled to receive pension after the death of a pensioner: 1. Spouse of the pensioner 2. Children of the pensioner 3. Parent or guardian of the pensioner 4. Disabled siblings of the pensioner

Can a daughter get family pension?

Now the question is, can a pensioner’s daughter get family pension? So the answer is yes. According to the Central Civil Services (Pension) Rules, 2021, unmarried, married, and widowed daughters are eligible for family pension. Under this rule, the name of the daughter cannot be removed from the list of family members eligible for family pension of a government employee. To get family pension, the daughter must be more than 25 years of age. All other children in the family should also be more than 25 years of age and they should have some source of income.

How long is the daughter eligible?

A daughter remains eligible to receive family pension until she gets married, gets a job, or has a mental or physical disability. If someone’s father or mother was in government service and their daughter is unmarried, divorced, or widowed, then in the absence of such employees, the daughter is entitled to receive family pension.

Under what circumstances will lifelong pension be available? If a government employee has included his daughter’s name in Form 4, then she is officially considered a member of the family. If the daughter is mentally or physically handicapped, then she can get family pension for life. A widowed or divorced daughter can also get family pension for life. If any child in the house is handicapped, then he gets the first right to get pension.

What are the rules for unmarried daughters?

The Government of India has made some rules for eligible unmarried daughters to get family pension. The rules explain how and in which state an unmarried, widowed or divorced daughter is eligible for family pension. Let us know whether an unmarried daughter can get family pension or not. All single and widowed daughters are eligible to get family pension. If the daughter’s divorce decree is passed, then the daughter of the pensioner father is entitled to family pension.

Eligibility for Unmarried Daughter Under Sub-rule 6 (iii) of Rule 54, an unmarried daughter is fully entitled to family pension until she gets married or starts earning on her own.

Eldest in the family: If an unmarried daughter is the eldest among all the siblings, she is entitled to receive family pension in case the parents are not alive.

Twins: If the unmarried daughter has a twin sister, then the amount will be divided equally between the sisters.

Two pensions: If both the mother and father were affiliated with the pension scheme, then the daughter is also entitled to receive two pensions. But the amount of both the family pensions should not exceed Rs 1,25,000 per month.

Income: If an unmarried daughter is the beneficiary of the scheme, then the first pension will not be considered as her income.

Adopted child: If the unmarried daughter is an adopted daughter of the husband or wife then family pension can be denied.

Disabled daughter: In case the daughter is physically or mentally disabled, pension can be given for life or till the age of 25 years.

Divorced parents: If the deceased parents of the unmarried daughter had filed a petition for divorce or were divorced, then in that case also the unmarried daughter is entitled to family pension.

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In the order, ministries and departments have been asked to strictly release all the retirement benefits received under Extraordinary Pension (EOP) as soon as possible to avoid interest payment.

New family pension rules 2024

The memorandum issued – Daughters name is necessary in pension records govt issued order In the memorandum issued by the department, it is said that the daughter is considered a member of the family of the government employee when informed by the government employee in the prescribed format. Therefore, the daughter’s name will be included in the details of the family members.

Daughters name is necessary in pension records govt issued order According to a BusinessLine report, eligibility for family pension will be determined as per the rules after the death of the pensioner/family pensioner. According to the Central Civil Services (Pension) Rules, 2021, the family includes unmarried, married and widowed daughters, including step and adopted daughters. Despite this, clarification has been sought regarding the removal of the daughter’s name from the list of family members after retirement.

Daughters name is necessary in pension records govt issued order As per the rules, as soon as a government servant joins the service, he has to provide his family details, which includes information about his spouse, all children, parents and disabled siblings (regardless of their eligibility for family pension). Also, the government servant has to submit the updated details of his family along with his pension papers before retirement.

Daughters name is necessary in pension records govt issued order As per rules, a daughter (other than one suffering from mental or physical disability) is eligible for pension till she gets married or she remarries or she starts earning livelihood.  Unmarried/widowed/divorced daughters above the age of 25 years can receive family pension provided all other children in the family are either above 25 years of age or have started earning livelihood. If there is a disabled child, he/she will have the first right on family pension.

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The central government made a big announcement last Saturday and announced the launch of the Unified Pension Scheme. Earlier it was being considered a way between NPS and OPS, but on Tuesday the Finance Minister clarified that it is different and better than NPS. Now people have a question in their mind that how is it so? Let us understand through calculation that if someone’s salary is Rs 50,000 per month, then how can one get more pension through UPS than NPS.

What is special in UPS?

To understand the whole calculation, first of all it is important to know what is special in the Unified Pension Scheme introduced by the government, which makes it different from NPS. So let us tell you that full pension will be available only when an employee has completed 25 years of service. The pension amount will be 50% of the average basic salary of the last 12 months. Apart from this, there is also a provision of minimum assured pension in UPS, under which a pension of at least Rs 10,000 per month will be confirmed after working for 10 years. In the family pension category in UPS, 60 percent of the pension will be given to the family on the death of the employee. Along with all these pensions, the benefit of dearness relief i.e. DR is also available.

This is the big difference between NPS-UPS

Talking about the big difference between the National Pension Scheme and Unified Pension Scheme, where in NPS the employee contributes 10 percent of his salary and the contribution given by the government is 14 percent, the total amount deposited in the NPS account is equal to 24 percent of the employee’s salary. On the other hand, in UPS, the employee contributes only 10 percent, but the contribution from the government is not 14 percent, but 18.5 percent. Overall, 28.5 percent of the salary will be deposited in the UPS account.

Also Read- UPS scheme: How many government employees will get the benefit of UPS? Details are here

Calculation of pension

Now let’s talk about how an employee can get more pension through UPS than NPS. So let’s understand this on the basis of a calculation.

On the basis of a salary of Rs 50,000 in NPS, the employee’s monthly contribution will be Rs 5,000 at the rate of 10 percent and 14 percent of this will be Rs 7,000 to the government. This will make the amount deposited in the NPS account Rs 12,000. National Pension Scheme is a scheme linked to the stock market, in which on making contribution, up to 60 percent of the amount is given as lump sum at the time of retirement and the remaining 40 percent amount is given as annuity. Let us assume that it gives 8% return and the deposit increases by 3% annually and the annuity gives 6% return, then in 35 years the total fund in NPS will be Rs 3,59,01,414. Out of this, annuity of around Rs 1.43 crore will have to be purchased. According to this, you will get Rs 77,000 as pension every month. Let us tell you that due to being market linked, the return can increase or decrease.

Pension will be made in this way in UPS

At the same time, the entire fund of the account in UPS will remain with the government. In return, the employee will be given 10% of the salary in lump sum on completion of every 6 months of service. There will be 70 half-years in a 35-year job. If we consider the average salary of Rs 50,000, then Rs 30,000 will be given for every half-year. In this way, on completion of 60 years, a total of Rs 21 lakh will be received in lump sum. However, this amount will also increase with the increase in salary. Apart from this, the pension will be 50 percent of the average basic salary of the last 12 months.

If we calculate 35 years of service, the starting salary is Rs 50,000 and suppose by the last 12 months of service your basic salary becomes Rs 1,00,000, then your pension amount will be Rs 50,000 per month and if 50% dearness relief (DR) is added to it as per the current rate, then the total pension becomes around Rs 100000. In such a situation, UPS will give more pension than NPS. It is better for those who retire soon, but they will not get the return through investment like NPS.

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👉 Ministry of Finance @FinMinIndia approves welfare measures for LIC agents and employees @LICIndiaForever

👉 Welfare measures include:

✅ Increase in gratuity limit
✅ Eligibility for renewal commission
✅ Term insurance cover, and
✅ Uniform rate of family pension for LIC… pic.twitter.com/tEzLiQPMsq

— Ministry of Finance (@FinMinIndia) September 18, 2023

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