Hello guys. We hope you are doing well. As we have promised in our previous article on Punjab Government Group Insurance Scheme 1982 that we will solve a practical question regarding this scheme.
So keeping our promise we will solve a practical question on Group Insurance Scheme. We request our readers to please first visit our old article which was published on Group Insurance Scheme so that you can understand this practical question easily. Now we are going to start our question. The statement of the question is as follows:-
SAS Question paper December-2011
Ques: A Government employee joined as a peon in the office of the Punjab Civil Secretariat on 07-12-1983. He was promoted to Group "C" service w.e.f 12-03-1989 and subsequently to Group "B" service w.e.f 5-6-2000. He expired on 20-09-2011. What subscriptions were to be recovered from his pay as per provisions under Punjab Government Group Insurance Scheme 1982 and also work out the benefits payable to the legal heirs of the deceased employee.
Ans: As per paras 5 and 6 of Appendix -VII of the Punjab Civil Service Rules volume II, the following subscriptions were to be recovered from the salary of the official:-
12/1983 to 09/1984 @ Rupees 3/- per month
10/1984 to 09/1989 @ Rupees 10/- per month
10/1989 to 12/2000 @ Rupees 20/- per month
01/2001 to 09/2011 @ Rupees 40/- per month
Note as per Punjab Government Group Insurance Scheme 1982, such employee have the option to enhance or not subscription w.e.f 01-01-1990. As there is no such option mention in the question, therefore it is presumed that he has not enhanced subscriptions with effect from 01-01-1990.
As per Para 11(4)of Appendix VII of the Punjab Civil Service Rules volume II, the benefit payable to the nominee/legal heirs of the deceased employee under the scheme will be as under:-
- Insurance Fund amount = Rupees 40,000/-
- Saving Fund amount = Rupees 20,652/- as calculated below
(ii) 10/1989 to 09/2011 = 6292x1 = 6292/-
(iii) 01/2001 to 09/2011 = 1429x2 = 2858/-
20,652/-
Let us solve another problem on Group Insurance Scheme 1982
Ques: Mrs. A who is an M.A B.ed had joined as Maths Mistress on 01-01-1980. She gave the option to become a member of the Punjab Government Group Insurance Scheme 1982(02-10-1982). She was promoted to Lecturer with effect from 10-03-1990(Group C up to 31-12-2001 and Group B from 01-01-2002). Again she was promoted to the post of Principal from 8-8-2004. She had opted for revised rates of GIS subscription with effect from 1-1-1990. What subscriptions were to be recovered from his pay as per provisions under GI Scheme 1982.
Also, Find out the amount of saving fund along with interest payable to his family on her death while in service on 10-10-2010.
Ans:- As per paras 5 and 6 of Appendix -VII of the Punjab Civil Service Rules volume II, the following subscriptions were to be recovered from the salary of the official:-
12/198 to 12/1989 @ Rupees 20/- per month
01/1990 to 12/2001 @ Rupees 30/- per month
01/2002 to 12/2004 @ Rupees 60/- per month
01/2005 to 10/2010 @ Rupees 120/- per month
Now, As per Para 11(4)of Appendix VII of the Punjab Civil Service Rules volume II, the benefit payable to the nominee/legal heirs of the deceased employee under the scheme will be as under:-
GIS Table 2010 |
- Insurance Fund amount = Rupees 1,20,000/-
- Saving Fund amount = Rupees 39,372/- as calculated below:-
(i) 10/1982 to 10/2010 = 16212x2 = 32,424/-
(ii) 01/2002 to 10/2010 = 1612x2 = 3224/-
(iii) 01/2005 to 10/2010 = 931x4 = 3724/-
39,372/-
We hope that the above example will help you a lot in solving more questions like this. So keep reading and keep visiting this website for the latest updates and to increase your knowledge. Thanks for reading.
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