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Friday, March 6, 2015

VC JAIN

FRIENDS

VERY VERY SAD NEWS OF UNTIMELY SHOCKING DEMISE 
OF SH VC JAIN, EX-GENERAL SECRETARY OF AIRIEF.

WE HAVE TO BOW BEFORE HIS WILL AND PRAY ALMIGHTY
TO GRANT PEACE TO THE DEPARTED SOUL AND STRENGTH TO THE BEREAVED FAMILY TO BEAR SEVERE BLOW OF DESTINY.

REGARDS
HK AGGARWAL
Sorry to note that one more member
has passed away.
May God Almighty rest his soul in peace and
give family members courage to bear the sad loss.

BD BHARGAVA


Really a very sad news to know about tragic demise of Sh. V.C.Jain ex-G.S. AIRIEF yesterday night. I on my behalf as well as on behalf of AIRIEF Unit Panchkula convey our heart felt condolences to bereaved family and pray to Almighty for granting peace to departed noble soul.


B.R.Mehta
Panchkula

AIRIEF FORMER GEN SECRETARY VC JAIN PASSES AWAY


VALIDATION REQUIRED

Dear Editor,

In a lengthy Post dated 5/3/2015 in another Blog, 
I came across the following claim by a senior 
functionary of a Pensioners’ Organization.








Will someone validate this claim please?

I attach a copy of the Record of Proceedings dated 
30 Sept 2013 of the concerned Bench of the Supreme 
Court, for easy reference.

Thanks and regards,
Sreenivasa Murty M

HOLI - FESTIVAL OF COLOURS - ALL GOOD WISHES

BD BHARGAVA
tara@bhargavas.net

Wednesday, March 4, 2015

BD BHARGAVA

( The replies are based on their research work, 
what they were famous for. )

Pierre and Madame Curie were radiating enthusiasm. 
Einstein thought it would be relatively easy to participate. 
Volta was electrified and 
Archimedes buoyant at the thought. 
Ampere was worried he wasn't up in his current research 
                and may not be able to spare time. 
Ohm resisted the idea at first. 
Boyle said he was too much under pressure. 
Edison thought it would be an illuminating experience. 
Watt reckoned it would be a good way to let off steam.
Stephenson reacted saying that the whole idea was loco. 
Wilbur Wright accepted with the proviso that he and 
Orville could get a flight. 
Dr. Jekyll declined - he hadn't been feeling himself lately. 
Morse's reply? I'll be there on the dot, can't stop now - must dash. 
Graham Bell said he is undecided yet, will give a ring later. 
Newton was apprehensive that the whole idea will fall down.
Ramanujan from India, said the time of 6 p.m. if converted into minutes is a very interesting number. 360 is divisible by 2,3,4,5,6,8,9,10,12,15, 18,20,24,30,36,40,45,60,72,90,120 and 180. Also if 5 is added to 360 we have 10^2+11^2+12^2 = 13^2+14^2 = 365 which is the number of days in a normal year.
Milton Reynolds reply was illegible, his ball-point pen ink must have dried up. 
Mrs. Rice Heart was keen to come provided there was to be a competition, she was confident of being named the aviation queen. 
Werner Heisenberg harped on uncertainty principle associated with all his programs. 
Dr. Alexander Lippisch was sure that even if he is held up at his prior engagement place he will be able to reach at supersonic speed.

 *

BREAKING NEWS: INSURANCE BILL PASSED IN LOK SABHA

HOPING FOR A POSITIVE OUTCOME ON 13TH MARCH 2015

DEAR EDITOR,

SIR, I FULLY AGREE WITH YOUR VIEWS AS IT IS NO TIME TO STRETCH NEGATIVE & BIASED THINKING, THOUGH IN A DEMOCRATIC SYSTEM ANY BODY AND EVERY BODY HAS THE RIGHT TO SAY ANYTHING. WE ARE NOW AT DECEMBER OF OUR LIVES AND MUST HAVE AN AFFECTIONATE AND CORDIAL ENVIRONMENT AND PENSIONERS HAVE ALWAYS WELCOMED ANY POSITIVE SUPPORT FOR THE COMMON CAUSE FROM ANY ONE OR ANY QUARTERS BESIDES VEHEMENTLY SUPPORTING ND APPRECIATING THE LONG DETERMINED AND DEDICATED EFFORTS OF OUR CRUSADER WHO HAD ALWAYS BEEN SUCCESSFUL IN THE LONG DRAWN LEGAL FIGHT DESPITE ALL ODDS CREATED BY THE INBUILT INTRICACIES OF THE LEGAL SYSTEM AND STUBBORN NEGATIVE ATTITUDE OF LIC/ GOVT OF INDIA/FM.

IT IS VERY VERY SAD & A PITY THAT THERE HAS BEEN UNEXPECTED & UNDUE DELAY IN THE DELIVERY OF JUSTICE TO THE SENIORS MANY OF WHOM ARE LEAVING THIS WORLD ONE BY ONE DESPERATELY HOPING FOR "ACCHHE DIN". WE HAVE NO ALTERNATIVE THAN TO HAVE PATIENCE, WAIT & WAIT, HOPE & HOPE, PRAY & PRAY FOR THE AGONY TO END SOON. 

ALL EYES ARE NOW ON 13.03.2015 IN THE SUPREME COURT AGAIN HOPING FOR A POSITIVE OUTCOME. GOD HELP US.

REGARDS,
H K AGGARWAL.

ASTHANA WRITES, MEHTA REPLIES

We wondered for a moment what was the need for 
this correspondence.This is the reason why we didn't publish 
these outbursts so far. It is our feeling that Shri Asthana shouldn't 
have come out with a long statement at this crucial juncture when 
the supreme court appeals are about to be heard. He issued the 
statement but avoided LIC PC for reasons best known to him. 

Now there may be well wishers of LIC PC who do not wish to 
see a controversy raging up through Chronicle. But we feel that
Shri Asthana should have restrained himself or could have
avoided the controversy by ignoring BR Mehta by a 
brief statement only. Now that Shri Mehta has also come
 out with a reply, we are publishing both the letters.

Let us hope better counsels prevail. Ed. 

Dear Editor,

Sir, I have read a response from our respected Sh. Asthana Ji with reference to the simple issue raised by me one week ago that as per our information from Sh. Murty as well as our Supreme Court Advocate no written order has been passed by CJI for constituting a special bench to hear our case. In stead of replying to this simple issue, he has tried to hit me and Sh. Murty personally thereby avoiding the real issue. Since he has tried to hit us, we have also every right to put the record straight. Sh.Asthana's biased and baseless propaganda against us which has no merit at all is just an attempt to cover up his own irregular activities by twisting all facts against us.

If anybody reads again my Post and the response from Asthanaji, it will be clear as to who is doing the outburst. A person, who claims all legal knowledge for himself, should try to coolly and directly answer the simple questions of ‘ignorant’ persons like me, if he wants to, instead of raking up so many old controversies exposing himself in the process.

To my understanding as I learnt on enquiry, invoking Chief Justice of India directly in the efforts of Asthanaji’s Advocate, was certainly an attempt to mislead the pensioner community and to claim some big credit. Have people forgotten that it was Asthanaji who was initially opposing the very idea of ‘mention’’ for early hearing? How many twists and turns the early hearing took so far?

I will only refer to two points from Asthanaji’s outburst. One – he claims he has been working for our case in P & H High Court incurring expenditure. Expenditure incurred from his pocket? This is just and simply false. The fact is that it was only Asthana ji and Sh. V C Jain who told Sh. S.N.Chhabra looking after Chandigarh High Court Case to instruct our local advocate here to keep our case pending and in abeyance so that it does not affect his efforts to get Jaipur Judgement implemented. Today he takes U-turn and blames Sh. Chhabra for just obeying him.

The bitter Truth is that his anger against us and his frustration started from the day when we took our case out of his clutches. Long before our ‘Mentor’ was even known to us. We know too well that he cannot ever digest this. About the fee of Rs 2.50 for our Advocate, yes, we agreed to pay this – it is transparent. Is Asthanaji ever willing to disclose how much he drew from the Federation in the name of legal fee and how much he directly collected from the innocent pensioners across the groups and Associations?

He talks of vigilance, legal acumen, caveats and so many big terms – his two new WPs in Jaipur while the CAs are pending in Supreme Court, was it a wise move based on legal acumen? Where do they stand today? What was the expenditure for them? Why did the contempt case end up as it ended up and has he ever come out with the whole truth? For the Caveat he filed against the SLPs by Union Government, has he anything to report to his legal subcommittee? Why does he treat all these matters as his private affair?

He always claims he has been winning so many cases? After the 2010 Judgment, let him quote one area where he was successful. What happened to all his legal acumen and vigilance when LIC’s SLPs were admitted? Why he failed to get them dismissed at the admission stage? Why did he fail to restore the contempt case in Jaipur? When LIC deposited a token sum in Jaipur, why did he not challenge it successfully? How did he fail to oppose Sh Sridharan’s Interim Application in Supreme Court? What happened to his Implead Application in Supreme Court in our Case in P & H High Court?

Some may think all these things should not be raised now. At a crucial time like this, I agree with them. But I only want to humbly request Sh. Asthanji that his general arrogant approach in handling the cases, condemning everybody who differs with him, should not damage the larger interests of pensioners. When one claims that he knows everything and others know nothing, there is something wrong. It is dangerous.

With Regards,
B.R.Mehta
Panchkula

(EARLIER ASTHANA WROTE -

This is an outburst of failure on their part but it shows their ignorance and lack of knowledge of law and procedure and interest to somehow create problems for those who are working and a feeling of anxiety among the retired persons.
Unconfirmed news are not circulated by me but it is most suited for him and his mentor whose name he has given in his message itself to say so.  As regards the prospective date 13th the part of SC advance list was put on the net by Shri Madhavan and then by Shri Sahni and they were correct since they had taken out the same from the SC list.  As usual the circular issued by his mentors failed again as in the past latest of it being that he had professed that the case will not come up on 26th still it came up and the case was partheard. When the question arose as to when it was known that the case is not listed what action their Advocate had taken, then Mr BRMehta was provoked and he a person of lower knowledge of legal affairs has burst out.

He does not know what is special bench. For us this is a Special Bench when it was constituted for our case and what difference does it make for us. Why he has shown  his intelligence and legal acumen, which he does not have .When our case is to be listed on mention being made with intimation to LIC Advocate and pursued further by our Advocate the case was ultimately fixed for definite and not “likely” at 2 pm.  This also is a special bench.  Let somebody tell him the meaning of special.

Knowledge of law and that for SC  level requires a great patience, study and time consuming, when he does not have this knowledge, how can it be expected that the knowledge of such intricacies as are involved in our cases could have traveled even near and around him.
He or his guide also does not know that UOI has filed SLPs and they are in Defect side and having come to know of the Diary number I have filed Caveats. This is vigilance and not absence of mind keeping it busy for trying to somehow spoil the case.  I have also inferred from whatever little AM Singhi said as to what defence they are going to take.
In legal matters vigilance is required and it was I who had initiated the case of the pensioners in 1998 and then in 2007 but neither he nor his mentor had even conceived the anomaly and great loss being caused to Pensioners, where were they.  I have won at all stages and these SLPs are the result of adamancy of LIC and the background being created by these persons.
I would like to know during so many dates of hearing where Mr Mehta or Panchkula case managers were, why they did not appear in the Court arena, why they have left the matter to me, who will bear the cost for this? AIRIEF may bear the legal expenses but other expenses I am required and have been incurring for P&H HC SLP also. They have charged 2.50 lakhs for their Advocate but without any action so far.
I do not want to say more but as a reply to what foul wording he has used to misguide the pensioners for his own benefit I have given some examples.  So far no false information had ever been communicated by me. ASTHANA) 

Tuesday, March 3, 2015

Insurance Bill introduced in Lok Sabha

The long-pending Insurance Bill – that seeks to increase the Foreign Direct Investment cap in the sector to 49 per cent — was introduced in the Lok Sabha on Tuesday despite Opposition objecting to its introduction on the ground that the Rajya Sabha had not allowed its withdrawal.
As Union Minister of State for Finance Jayant Sinha sought permission of the Lok Sabha to introduce the The Insurance Laws (Amendment) Bill, 2015, members of the Left parties and Trinamool Congress questioned the "legislative competence’’ of the House to consider the draft legislation at a time when the Rajya Sabha had not allowed the Government to withdraw it from the Upper House.
The Congress did not join these Opposition parties in objecting the introduction of the Bill but the party did vote against the motion to introduce it. Though the Government was keen to introduce the Bill by voice vote, the Opposition insisted on a proper vote despite being clearly outnumbered.
The Opposition contention was that the Government was trying to set a new precedent that violated the very structure of the bicameral system of Parliament that India has adopted. “What the Government is doing has no precedence in 67 years of independent India’s existence,’’ was the Opposition’s refrain and goes against the grain of the two houses having equal powers on legislation.
(the hindu)

BD BHARGAVA


When we say but, we are trying to caution, that's why Better Understand That.

SHRI P.RAMANATHAN'S COMMENTS...


What after the SC dismisses the CAs of LIC (if and when it happens) ?‏

Dear Sir,

The concerns expressed by Shri Sreenivasa Murty are genuine and well founded. I really appreciate his far reaching views and outlook.
  • Going by the track record of LIC in dealing with the HC/SC Judgements in the past, there is every possibility that LIC Top Management ably abetted by the MOF/GOI Babus will care a fig about SC Order of dismissal of their Appeals and try to interpret the consequential benefits arising out the dismissal in the narrowest way possible to the maximum disadvantage of the pensioners. 
Such a situation will once again make the poor pensioners to go back to the portals of SC to get 'real' justice from the unwilling hands of LIC, involving huge expenses and long time Delay for which the poor pensioners have no wherewithal and cannot afford.

If this situation has to be avoided, our Counsels should seek and request/pray the Judges to issue a SPEAKING ORDER leaving no room for any body, more so for LIC to interpret it in its own way to deny the benefits to the gullible Pensioners. As Mr Murty rightly mentioned, Simple Dismissal of LIC Appeals certainly will not take us anywhere.

So our Counsels have to properly briefed by our Case Managers for the dire need of obtaining not only an order of dismissal of LIC Appeals but also confer upon the pensioners the benefits demanded by them in UNAMBIGUOUS TERMS AND ORDERS which leaves no room for a different interpretations by any body.


JM ABOOBUCKER

PESSIMISTIC, CASE NO. BEING 57

My dear Gangadharanji,
Thanks for featuring " Can you Dispute it" 
but you forgot to put my name?
Lots of different opinions on our case coming on 13th March.
I am also pessimistic because of case no. being 57. What alternative?


With best wishes,
 B.d.bhargava

Monday, March 2, 2015

OUR CASE ON 13TH MARCH

Dear Editor,

All the jubilance aired got evaporated when we heard that on the 13 th inst our case is being listed perhaps in the bottom SL NO 57 and therefore there is no chance of the Bench hearing our case and it is likely to be posted to some other week and that some other week is yet another suspense resulting into agonizing wait.

Could the judiciary explain what is the significance of  'Mention' in judicial parlance. If it has any credence why should our case is posted down to the agonizing number 57 betraying our anxiousness. If MENTION really has any significance and judiciary is really serious about what it has invented for a special purpose the special Bench should specially hear our case out of turn to justify the meaning of their own creation in jurisprudence.

At least now could another Mention be made whatever its worth for the hearing on 13 TH. The learned Lawyers could think about this.

R.K.Viswanathan
BD BHARGAVA
tara@bhargavas.net

LIC CANNOT BE TRUSTED; LET US SET PROPER PRIORITIES


Dear Editor,

I was closely following the Posts in the Chronicle by some of our eminent colleagues, like CHM, RKV, & SN 1992 touching upon the implications of commuted value of pension having to be reopened by LIC arising from the Final order in MC Jain case. It is also believed that the impending outcome of the Appeals pending before the Supreme Court may open up several such contentious points.

The intricacies of different interpretations of the issues are personally beyond me to comprehend. However, Sri CH Mahadevan's grasp and command on all the nuances of our Pension calculations are known to be infallible and so let his word be the last word unless anybody can prove him wrong.

Going through these Posts, had a 'side effect' on me and my thinking impacting the main matters expected to be resolved by the Apex Court shortly. (Whether it commences on 13th March at 2.00 PM or at 10.30 AM some four days later, hardly matters
 - what is important is that it is close enough now). I started visualizing, rather fearing, a situation where Supreme Court decides our Pension cases in our favor and LIC's CAs are dismissed. Is that enough, is my question and my concern.

LIC has a track record of making a mockery of Court Orders. One may recall how it was able to get away before the Supreme Court in the contempt matter in Jaipur HC Order. SC ordered depositing the money due to the Petitioners, to stay the contempt proceedings. But what it has deposited was hardly 10% of what was due to the petitioners if only the Board Resolution was correctly interpreted. Emboldened by its successful misinterpretation of its own Board Resolution before Jaipur HC, LIC repeated its trick in Chandigarh (that it is now under serious challenge there notwithstanding).

LIC's latest 'performance' in MC Jain's case, is the ultimate in Corporate arrogance. It pays Rs 12,500/- to Mr MC Jain (as against nearly Rs Two Lakhs believed to be due to him. Isn't it simply outrageous that LIC does not furnish any calculation sheet to Mr MC Jain? And he was forced to invoke RTI Act to seek the information which should routinely be made available to him? Is it to save this 'huge' sum of Rs 12,500/- payable to Mr MC Jain that it fought the case this long and went right up to Supreme Court?

What does all this suggest? For some strange reason, LIC treats its Pensioners with contempt. God knows why.

What is the relevance of discussing all this now? My worst fears are that we win our cases in Supreme Court but we continue to be victims of an insensitive, unhelpful and hostile LIC. How? Imagine, SC dismisses LIC's Appeals resulting in upholding the three HC judgments. LIC is directed to implement its Board Resolution and it does not need government approval, (as is being argued by Jaipur HC petitioners). Next step? What LIC did already in Jaipur and Chandigarh, it will try to repeat.

What is the solution? We should all work hard with our counsel first and then adopt a clear strategy to plead and secure a comprehensive verdict from the Apex Court that orders LIC & the Government, to remove anomalies, upgrade basic Pension with each pay revision for in-service employees. If it needs amending the Pension Rules by the Government, so be it. (Delhi Petitioners had tied their own hands and tongues and are unavailable to the Pensioners for this purpose). In other words, the final verdict should leave no scope to LIC for 'interpreting' SC Order. Otherwise, all our efforts end up with ''Operation successful but patient died'' situation. Let us avoid that.

LET US SET OUR PRIORITIES RIGHT. NOW OR NEVER.


Thanks and regards,
Sreenivasa Murty M


SPECIAL (BENCH) TRAIN

OUR SC CASE - SPECIAL BENCH WILL CONSIDER AT 2 PM ON 13TH MARCH, ASSURES SHRI ASTHANA


(SHRI ASTHANA has written reply to BR Mehta's post earlier published by us that he (*Shri BR Mehta) "does not know what is special bench. For us this is a Special Bench when it was constituted for our case and what difference does it make for us. Why he has shown  his intelligence and legal acumen, which he does not have. When our case is to be listed on mention being made with intimation to LIC Advocate and pursued further by our Advocate the case was ultimately fixed for definite and not “likely” at 2 pm.  This also is a special bench.  Let somebody tell him the meaning of special."
In view of the above, there is no need for any worry 
or apprehension. Our case will be taken up for consideration 
at 2 pm on 13th March 2015. 

* SHRI BR MEHTA'S REPLY HAS  BEEN RECEIVED BUT NOT YET UPLOADED.)

Sunday, March 1, 2015


CONTRARY PROVERBS

- RG Nakhate

One Rank, One Pension stuck between Services and Defence Ministry


Reinstating government’s commitment on implementing the ‘One Rank, One Pension’ policy, Finance Minister Arun Jaitley on Saturday said the issue is pending as the method of calculating pension is stuck between the Armed Services and the Defence Ministry.

“I have already in the last Budget said that we are going to implement ‘One Rank, One Pension’. This need not be stated on every occasion. We are completely committed to it,” Jaitley told reporters here when asked about the delay in launching the scheme.

As and when that idea is formulated, not only it should be implemented, it will be implemented, he added.Explaining the reasons behind the delay, the Minister said: “The methodology of calculating the One Rank, One Pension is an issue pending between the Services and the Defence Ministry.”

“You may only notice that I have today, despite the squeeze, increased the allocation for Defence by almost Rs 25,000 crore,” Jaitley said.

Last month, Defence Minister Manohar Parrikar had said that ‘One rank, One pension’ scheme will be rolled out soon.

The scheme, which seeks to ensure that a uniform pension is paid to defence personnel who retire at the same rank with the same length of service, irrespective of their date of retirement, has been a long-standing demand of the over two million ex-servicemen in the country.

(the indian express)

EXCELLENT THIS PICTORIAL PORTRAYAL


Saturday, February 28, 2015

SWATHI GOPI



Miss Swathi was VII std student in Dubai.

SN (a 1992 Pensioner)

PENSION COMMUTATION

As per LIC Pension Rules, 1995, commutation is permissible only once at the time of retirement or if not opted at the time of retirement, once any time after retirement. So the pensioner referred to (by AV Subbaraman) has now no option for commutation of pension a second time.
Kind regards.
C H Mahadevan

UNION BUDGET 2015

(Chronicle)

TRYST WITH LIC


Link to be clicked"     https://nvsr.wordpress.com/
Visit http://www.youngpoet.org
Visit http://www.poemhunter.com/subbaraman-n-v/

UNION BUDGET TODAY


The stage is set for finance minister Arun Jaitley to present his first full-budget on Saturday amid heightened expectations that he would raise people's spending power by offering tax breaks and would announce measures to make India an investment-friendly nation.
Here are 10 things you should watch out for in the finance minister's speech:
1) The annual tax exemption limit - the threshold income level below which you are not required to pay taxes - stands at Rs 2.5 lakh per annum. The FM is expected raise this to Rs 3 lakh per annum. This will give more money to people to spend and save.
3) Currently, you can claim a tax deduction of Rs 1.5 lakh a year for investments made in a select group of financial savings instruments such as life insurance premium, public provident fund (PPF) and tax savings mutual funds under the popular "Section 80 (C)" scheme of the I-T Act. The FM could raise this limit to Rs 2 lakh a year. This will boost financial savings and also reduce your tax burden.
4) The FM could offer something for home loan borrowers to cheer. Currently, if you have an existing home loan, you can claim tax deduction on the interest paid of up to Rs 2 lakh a year. There is anticipation that Jaitley could raise this to Rs 2.5 lakh, reducing your tax outgo.
5) Salaried individuals can claim tax-free reimbursement of medical expenses every year from their employers, but only up to Rs 15,000 a year. Despite rising medicine, diagnostic and hospitalisation costs, this limit has remained stuck at Rs 15,000 for more than a decade. All eyes will be on Jaitley on whether he raises tax-free medical expense claims ceiling from Rs 15,000 to about Rs 30,000 a year.
6) Bank fixed? deposits (FDs) are popular savings instruments because of convenience and also because these are quasi-liquid assets. However, to claim tax incentives, one has to lock-in money in FDs for at least five years. This puts them at a disadvantage vis-a-vis mutual funds which enjoy a three-year lock-in for tax incentives under Section 80 (C). The FM is widely expected to bring FDs on par with mutual funds and reduce the lock-in time to three years.
7) In 2013, then finance minister P Chidambaram had introduced a so-called "super-rich" tax - a 10% surcharge for those with taxable incomes of above Rs 1 crore a year. Will Jaitley abolish this, raise this or introduce a new super-rich tax slab?
8) Investors are keenly watching for the FM's cues on the controversial "retrospective tax" that allowed placing a tax demand on even older corporate deals such as Vodafone's acquisition of Hutch's mobile assets in India. This had hurt India's image as an investment destination. Investors want a roll back of the law. Will the FM oblige?
9) In September last year, Prime Minister Narendra Modi launched a signature "Make in India" initiative to ease rules of doing business and turn the country into a manufacturing hub. The FM is widely expected to offer tax and other incentives to several sectors to give "Make in India" a big push.
10) A spirited Opposition has closed ranks to pin the government down on "anti-farmer" policies such as the proposed rules that would make land buying easier to build factories and rules. All eyes will be on the FM to counter the rising perception that the NDA government is anti-farmer. Jaitley's budget will also be keenly followed on the government's vision about welfare handouts and social sector development to make growth more inclusive.
(the hindustan times - EDITED)

Friday, February 27, 2015

OUR MEDICLAIM POLICY


This is in response to Sri V S Prakassa Rao's long Post titled Mediclaim Management. He made quite a few valid observations and one good suggestion - that the Insurer (New India) should be hauled up for deficiency of service through Consumer Court. This is worth examining and pursuing where possible.

I am glad Mr Rao echoed some of my own oft-pleaded points in support of 'Total Cashless Admission and Treatment' clause to be incorporated in the Group Policy to be issued shortly for the year 2015-16. For his and the others' information, I have been continuously following this up with LIC & New India. They always say 'we are working out and we will let you know'. My worst fear is that they will remain non-committal till the last minute and finally unilaterally announce a scheme where the clause which I have been canvassing, may not be there but they will claim to have added some more diseases to the existing list of 'pre-approval' for cashless treatment. Ironically, that addition of more diseases is what some of our big leaders are clamoring for. Even Mr Prakasa Rao in his Post discusses the need for expanding the list. Can't one see that the so called list of diseases which entitle one for treatment without cash payment, have a procedure equal to death? Then why ask for enlarging the list? Dump it, should be our demand.

Here is my request to all Pensioners:

Write or E-mail to the Chairman LIC, on the following lines:
REQUEST INCLUSION OF TOTAL CASHLESS ADMISSION & TREATMENT CLAUSE IN GROUP MEDI-CLAIM POLICY FOR 2015-16. THIS FACILITY IS FOR THE BENEFIT OF ALL STAKEHOLDERS - THE INSURED, THE INSURER AND LIC.
Chairman's E- Mail ID: chairman@licindia.com
Secretary (ER) C.O: co_era@licindia.com

Thanks and regards,
Sreenivasa Murty M

World to get first 3-parent baby by 2016

LONDON: The world's first three parent baby is all set to arrive as early as 2016. The UK has become the first country to approve laws to allow the creation of babies from three people. The House of Lords gave its backing to the idea with peers voting in favour of it by 280 votes to 48.

The House of Commons had already voted in favour earlier with 382 MPs for while 128 against the technique that stops genetic diseases being passed from mother to child.

The technique enables a couple to use mitochondria donated by another woman in cases where the mother carries inherited mitochondrial diseases which can be fatal. Mitochondria provide human cells with their power and the procedure has been compared to changing a car battery.

Health minister Earl Howe said it would be "cruel and perverse" to deny couples the chance of having healthy children.

Alastair Kent, director of the Genetic Alliance UK charity which helps people with inherited conditions, said the Lords vote was "a triumph that gives hope to families". The fertility regulator will now decide how to license the procedure. In the House of Lords debate, Howe said there was an opportunity to offer "real hope" to families.


The process is currently illegal throughout the world. The technique was pioneered by researchers in Newcastle, and the first of the procedures will be carried out in that city.

(The Times of India)
While we know that there are a lot of foods that are super healthy and good to eat, we may not consume them regularly.

However there are certain foods, which are important to consume on a regular basis, as these comprise of essential vitamins and minerals that all of us will benefit from. They also have good levels of fats, proteins, and carbs, which are all equally important for a balanced diet. So what are these foods that will benefit us greatly if consumed every day?

1. Eggs/ chicken/ meat - any one of these are very important to include daily in your diet. Whole eggs give you a good amount of healthy protein and fats if you want to stay strong and eat filling and healthy meals. If you are an active individual it is even more important to eat eggs as a form of energy as well as to build your muscles that get broken down during your workouts.

2. Salads / vegetables - make one meal of your day just a big bowl of salad or a big bowl of fresh vegetables cooked minimalistic and see how it makes you feel. If you can add some chicken into the mix, it will not only fill you up more but make it more delicious than it already is. Add nuts for more flavour and crunch.

3. Fish or fish oil - Getting your dose of Omega 3 is very important to make you feel good, and to reduce the aches in your joints after strenuous workouts. Fish oil is also a very good fat to consume in order to ensure that you get your dosage of healthy fats.

4. Olive oil/ coconut oil - add these generously to your salads (incase of olive oil) or cooking (in case of coconut oil). Both these flavourful oils are important so that you don't end up consuming cooking oils that are highly processed and in turn harmful for your weight management goals.

5. Fruits - Fruits are great to add fiber to your diet, they have antioxidant properties, are good to carry as a quick snack in between meals, have healthy natural carbs and sugar, and are generally little bites of nutrition. One fruit a day should be part of any remotely healthy persons diet and we hope these are part of yours! 
(the times of india)