புதிய ஓய்வூதியம் சார்பாக அரசு வெளியிட்டுள்ள பரிந்துரைகளுக்கு, சந்தாதாரர்களின் கருத்து தெரிவிக்க உத்தரவு.
click here TO DOWNLOAD PFRDA - EXPOSURE DRAFT ON PROPOSEDOPERATIONAL WITHDRAWAL PROCESS FOR NPS SUBSCRIBERS
தோழர்களே!
PFRDA 26/12/2013 அன்று புதிய ஓய்வூதிய தொழிலாளர்களின் ஓய்வூதியம் பெறுவது தொடர்பான தனது பரிந்துரையை தனது வலைதளத்தில் (pfrda.org.in) வெளியிட்டுள்ளது. இது குறித்து கருத்து ஏதேனும் தெரிவிக்க விரும்பினால் 31/01/2014ஆம் தேதிக்குள் k.sumit@pfrda.org.in என்கின்ற மின்அஞ்சல் முகவரிக்கு அனுப்பும் படிஇதில் தெரிவிக்கப்பட்டுள்ளது.
பக்கத்தின் annuity scheme தொடர்பான பரிந்துரை அனைவரின் கவனத்திற்காக கீழேஇணைக்கப்பட்டுள்ளது. இது குறித்த விரிவான விளக்கம் மற்றும் குறைபாடுகள் வரும்
பதிவுகளில் தெரிவிக்கப்படும். அனைவரும் இந்த பரிந்துரை சார்பான கருத்துகளைமேலே குறிப்பிட்டுள்ள மின்அஞ்சல் முகவரிக்கும் நமக்கும் தெரிவிக்கும்படிஅன்புடன் அழைக்கின்றோம்
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NPSERA
4. Annuity Options Available:
The annuity options that are generally available with the ASP’s in the
Indian market are as follows. However, all the ASP’s may not offer all the
options and may offer only few of the given below options depending on the
availability of such product with them.
Type of Annuities or Annuity Choices:
The following are the variants of annuity that are generally available with
all the empanelled ASP’s.
1. Annuity/ pension payable for life at a uniform rate.
2. Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long
as the annuitant is alive.
3. Annuity for life with return of purchase price on death of the
annuitant.
4. Annuity payable for life increasing at a simple rate of 3% p.a.
5. Annuity for life with a provision of 50% of the annuity payable to
spouse during his/her lifetime on death of the annuitant.
6. Annuity for life with a provision of 100% of the annuity payable to
spouse during his/her lifetime on death of the annuitant.
7. Annuity for life with a provision of 100% of the annuity payable to
spouse during his/ her life time on death of annuitant. The purchase price
will be returned on the death of last survivor.
Any one option can be chosen. Once chosen, the option cannot be altered.
5. What happens in case of death of annuitant?
i. Under option (1) annuity ceases after the annuitant dies.
ii. Under option (2)
I. On death of the annuitant during the guaranteed period - annuity is paid
to the nominee till the end of the guaranteed period after which the same
ceases.
II. On death after the guaranteed period - annuity ceases.
iii. Under option (3) annuity ceases after death of the annuitant and the
purchase price is paid to the nominee.
iv. Under option (4) annuity ceases after death of the annuitant.
v. Under option (5) payment of 100% annuity ceases after death of the
annuitant and 50% of the annuity is payable to the surviving named spouse
during his/her life time. If the spouse predeceases the annuitant, the
annuity ceases after death of the annuitant.
vi. Under option (6) payment of annuity ceases after death of the annuitant
and full annuity is payable to the surviving named spouse during his/her
life time. If the spouse predeceases the annuitant, the annuity ceases
after death of the annuitant.
vii. Under option (7) payment of annuity ceases after death of the
annuitant and full annuity is payable to the surviving named spouse during
his/her life time. If the spouse predeceases the annuitant, the annuity
ceases after death of the annuitant and purchase price is paid to the
nominee.
6. Default option for annuity service provider and annuity scheme:
The following default annuity service provider along with the annuity
scheme is available to all the subscribers under National Pensions System.
However, it may be noted that default option is being purely provided in
the subscribers’ interest and to avoid any delay in claim processing and is
not with a view to endorse/promote any particular ASP or annuity variant
being offered by the ASP.
1. Default Annuity Service Provider – Life Insurance Corporation of India
(LIC)
2. Default Annuity Scheme - Annuity for life with a provision of 100% of
the annuity payable to spouse during his/her life on death of annuitant’
and Under this option, payment of monthly annuity would cease once the
annuitant and the spouse die or after death of the annuitant if the spouse
pre-deceases the annuitant, without any return of purchase price.
3. However, where the corpus is not adequate to buy the default annuity
variant and from the default ASP, the subscriber has to compulsorily choose
an ASP who offers an annuity at the available corpus in the account of the
subscriber.
7. Service Tax:
The amount of service tax as per the prevailing rates shall be payable by
the policyholder along with the purchase price.
8. Paid-up value/ Surrender Value/ Loan:
The policy does not acquire any paid-up value and no surrender value and no
loan will be available under the policy.
Note: The above is an attempt to provide you with the generic information
on annuity and annuity options available in the Indian market. This is for
illustrative purpose only. This does not represent any guarantee or promise
and for detailed information on the annuities offered or the ASP’s you may
approach the empanelled ASP’s and also at
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