DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

[PM]

                               Text of letter sent AIBEA to IBA vide AIBEA/GS/2015/97,dated,24th December, 2015  on extending domiciliary cover to Retirees as per original terms of settlement    dt 25th May is furnished here under for information:                                              

To

'Chief Executive

Indian Banks’ Association

Mumbai.

Reg: Medical expenses reimbursement policy by United India Insurance Co. for bank retirees

Ref:   Our letter No. 90 dt. 16-11-15 and your reply dt. 17-12-15

                  We thankfully acknowledge receipt of your above letter on the subject stating that the matter has been taken up with the United India Insurance Company.

                  We wish to emphasise that the matter needs to be sorted out urgently as the TPAs are refusing to entertain the claims of the retirees for domiciliary treatment on the plea of instructions from the UIIC.  As already taken up by us and as provided in the Settlement, the benefit of reimbursement of domiciliary treatment expenses as applicable to employees in service is also applicable to the retirees as the same has not been excluded in the Scheme.

                    Similarly, other than definition of family and ex gratia for critical illness, all other provisions of the Scheme as available to serving employees are applicable to the retirees scheme as well.  Thus, the provision of buffer for reimbursement of claims over the ceiling of Rs. 3 lacs an Rs. 4 lacs are very much applicable to the retirees also.

                  It is not out of place to mention that in all the special workshops conducted by the Insurance Company, the representatives of UIIC as well as of K. M. Dastur Reinsurance Brokers Pvt. Ltd. have categorically clarified that domiciliary treatment and corporate buffer are covered under the retirees scheme also.  

                  Hence it is beyond comprehension and acceptance that these two important benefits can now be excluded from the scheme for the retirees.

                   Domiciliary treatment and corporate buffer are integral part and conditions of the Scheme and cannot be separated for the retirees.  

                     It is clearly an after-thought and cannot be not permitted at this stage.  Further such an unilateral and illegal stand of UIIC portends a serious affront to bipartism and legally binding settlements.  It is least expected of a reputed public sector organisation like UIIC. Their stand cannot be countenanced by us and the fall-out of such a stand by UIIC will be very serious.

                     We thank you for having taken up the matter appropriately with UIIC and request you to expeditiously resolve this matter on an urgent basis to avoid the possible repercussions.   

Thanking you,

Yours faithfully,

C.H. VENKATACHALAM                 

GENERAL SECRETARY '

[Mohandas Rao]

ALL ARE EQUAL, BUT SOME ARE MORE EQUAL!

Hope the members have gone through the Medical Insurance Scheme of SBI just launched by SBI for their retirees. This scheme is also by the United India Insurance Co. Ltd. Here there is reimbursement for the Domiciliary Treatment. Here there is a flexibility to shift between the limits depending upon the retirees' needs and paying capacity. Here there is a provision for the Corporate Buffer.

The scheme designed by IBA and handled by the same insurer, as on today denies the reimbursement for the Domiciliary Treatment. IBA did not allow us to choose between the two schemes of Rs.3.00 lacs and Rs.4.00 lacs and divided us based on our designations while in service. No Corporate Buffer.

Why are the members silent? Why is UFBU silent? Why is everyone silent?

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[perumal maruthu]

United India, after unilaterally depriving the benefit of Domiciliary & Corporate Buffer, has extended these twin benefits to the Pensioners of SBI.

Hence, the malicious and nefarious act of UIIC is preposterous, untenable, illogical and illegal!

Some suspect the involvement of those who opposed the IBA Health Scheme during the pre-negotiation period, might have goaded or tempted or coerced the Top Officials of UIIC to create fresh trouble AFTER EMBEZZLING THE PREMIUM!

M.Perumal

---

From: Mohandas Rao <mohand...@gmail.com>
To: "bankpe...@googlegroups.com" <bankpe...@googlegroups.com>
Sent: Sunday, 27 December 2015 7:03 AM
Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

[JSOMA SHEKARA]

Mr.Mohandas Rao. Thank you for your mail.Your views and concern are very much appreciable.

Why there is difference of quality between IBA and SBM medical Insurance schemes?

It is obvious that intention of SBM is to design best possible and affordable scheme for its retirees.

In Banks there are discrimination even in medical reimbursement of Rs2500/- . While some banks have not so far extended this facility others have restricted it to Superannuation retirees only which has no logic.

Neither IBA nor UFBU bothered to rectify this anomaly to ensure that Uniform Medical reimbursement scheme is implemented.

So what is sudden concern for IBA to UFBU  to introduce a scheme for retirees?

As fag end of X BPS approaching UFBU realized that they could not achieve even single demand of retirees. On the other side pressure from AIBRF was mounting. Expectations from retirees were sky high.

To douse the fire and to distract attention from main issues they convinced IBA to extend Medical Scheme to retirees.

If they had real intention to design a better scheme for retirees they would have demanded subsidy for premium as  central govt has already permitted the IBA to devise scheme out of welfare fund. Even Canara Bank which used to extend Rs.2500/- every year stopped it this year.This is only halfhearted scheme from IBA and as usual one more scheme from IBA/UFBU will end up in courts.

As already said UFBU has distanced itself from retirees demands .

Is it the fate of Bank retirees that they to approach courts every time to get benefits of agreements signed by IBA and UFBU.

[cpvnair]

True.Why the entire UFBU refuses to raise valid protests together?AIBEA writes separately, AIBOC also writes, is UFBU split now? Or is it a tamasha at our cost?Very bad UFBU, you signed this for us for which we are thankful.Now suddenly what happened?eel free to tell us dear comrades.As we are a spent force, we are helpless.So please tell us frankly that domicillary is gone forever…

 

 

Warm reg

 

 

CPVNAIR

 

From: bankpe...@googlegroups.com [mailto:bankpe...@googlegroups.com] On Behalf Of Mohandas Rao
Sent: Sunday, December 27, 2015 7:04 AM
To: bankpe...@googlegroups.com
Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

 

ALL ARE EQUAL, BUT SOME ARE MORE EQUAL!

[Natrajan Balasubramanian]

IT SEEMS EARLIER IBA HAS DISTORTED THE AGREEMENTS WITH UFBU TO THE DETRIMENT OF PENSIONERS. NOW IT IS THE TURN OF UIIC TO GO BACK ON THE AGREEMENT. HAS IBA  AGREED WITH UIIC REGARDING THE DOMICILLARY TREATMENT AND OTHER DISPUTED CLAUSES.IS  THE IBA LETTER DATED 17.12.2015 TO AIBEA AVAILABLE TO THE RETIREES PERUSAL

[cpvnair]

WHY UFBU REFUSES TO FIGHT IN ONE VOICE?

 

 

 

Warm reg

 

 

CPVNAIR

 

From: bankpe...@googlegroups.com [mailto:bankpe...@googlegroups.com] On Behalf Of Natrajan Balasubramanian
Sent: Sunday, December 27, 2015 4:09 PM
To: bankpe...@googlegroups.com
Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

 

IT SEEMS EARLIER IBA HAS DISTORTED THE AGREEMENTS WITH UFBU TO THE DETRIMENT OF PENSIONERS. NOW IT IS THE TURN OF UIIC TO GO BACK ON THE AGREEMENT. HAS IBA  AGREED WITH UIIC REGARDING THE DOMICILLARY TREATMENT AND OTHER DISPUTED CLAUSES.IS  THE IBA LETTER DATED 17.12.2015 TO AIBEA AVAILABLE TO THE RETIREES PERUSAL

[kknanda5]

All r hypocrats and none will tell the truth. United Forum is disunited long back. For their self interest they r having a banner of UFBU.

On Dec 27, 2015 4:02 PM, cpvnair <cpvnai...@gmail.com> wrote:

True.Why the entire UFBU refuses to raise valid protests together?AIBEA writes separately, AIBOC also writes, is UFBU split now? Or is it a tamasha at our cost?Very bad UFBU, you signed this for us for which we are thankful.Now suddenly what happened?eel free to tell us dear comrades.As we are a spent force, we are helpless.So please tell us frankly that domicillary is gone forever…

 

 

Warm reg

 

 

CPVNAIR

 

From: bankpe...@googlegroups.com [mailto:bankpe...@googlegroups.com] On Behalf Of Mohandas Rao
Sent: Sunday, December 27, 2015 7:04 AM
To: bankpe...@googlegroups.com
Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

 

ALL ARE EQUAL, BUT SOME ARE MORE EQUAL!

[Gopalakrishnan Ramachandran]

Dear Nairsir,

You have repeatedly asking a question why UFBU is silent?

No one is ready to answer you.
My impression is that UFBU no more exists after signing the settlement. It is only individual organizations are now in the field. Perhaps UFBU may surface in 2017, in quest of next settlement.

Regarding your contention that huge amount is lying in our pension funds, nobody is buying your argument and I read some one saying it does not belong to us only but to future pensioners too. Ultimately the amount will go to govt coffins.

I am really tired of writing on our problems as there are few takers. I am afraid we are wasting our energy by making noise, as the results are not forthcoming.

It almost  5 to 6 years, if I am correct, we are writing in this blog. Except exchange of views nothing had happened. That is why I stated, it is like a few blind persons, searching a black cat in a pitch-dark room!

Thinking of withdrawing and observe mouna vrat in the days ahead!

G.Ramachandran
CB-SVRS

[Rajamani Srinivasan]

I also feel that IBA and other so called unions are playing with the retirees.  

Time norms have been set for many banking transactions and IBA in its model Citizen charter (available in the IBA site) has stated that these time norms are only indicative and that each bank may decide specific time norms independently.  All such rules are for others to follow.  

Why I say this is because that it has taken one long month for IBA to respond to a letter written by the General Secretary of AIBEA. (Letter dated 16/11/2015 was replied by IBA on 17/12/2015) Though, the matter has been taken up by the AIBEA again as a reply, God only knows how long will it take for IBA to acknowledge and reply. 

My feeling is that after two or three such exchange of letters, the issue will be buried. None of them is serious-IBA/Insurance Co.,/Union/s.    I am not saying that the issues have to be addressed immediately on its referral.  But, one month is definitely a long period for acknowledgment and a formal reply.  The Union General Secretary also has not raised this issue.  Good job. God Bless them.

S Rajamani.

28.12.2015

[kknanda5]

UIICL though a Public Sector Company behaves worse than a Proprietorship concern
I attach here a article published in "The Times of India". If the contents are true then it can be well imagined what is the fate of retirees for domicile treatment.

[kknanda5]

The attachment contains another example

On Dec 27, 2015 10:17 AM, 'perumal maruthu' via bankpensioner <bankpe...@googlegroups.com> wrote:

United India, after unilaterally depriving the benefit of Domiciliary & Corporate Buffer, has extended these twin benefits to the Pensioners of SBI.

Hence, the malicious and nefarious act of UIIC is preposterous, untenable, illogical and illegal!

Some suspect the involvement of those who opposed the IBA Health Scheme during the pre-negotiation period, might have goaded or tempted or coerced the Top Officials of UIIC to create fresh trouble AFTER EMBEZZLING THE PREMIUM!

M.Perumal

---

From: Mohandas Rao <mohand...@gmail.com>
To: "bankpe...@googlegroups.com" <bankpe...@googlegroups.com>
Sent: Sunday, 27 December 2015 7:03 AM

Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

[kknanda5]

Forget the issue as all of them are in connivance

On Dec 28, 2015 6:58 PM, Rajamani Srinivasan <sraja...@gmail.com> wrote:

I also feel that IBA and other so called unions are playing with the retirees.  

Time norms have been set for many banking transactions and IBA in its model Citizen charter (available in the IBA site) has stated that these time norms are only indicative and that each bank may decide specific time norms independently.  All such rules are for others to follow.  

Why I say this is because that it has taken one long month for IBA to respond to a letter written by the General Secretary of AIBEA. (Letter dated 16/11/2015 was replied by IBA on 17/12/2015) Though, the matter has been taken up by the AIBEA again as a reply, God only knows how long will it take for IBA to acknowledge and reply. 

My feeling is that after two or three such exchange of letters, the issue will be buried. None of them is serious-IBA/Insurance Co.,/Union/s.    I am not saying that the issues have to be addressed immediately on its referral.  But, one month is definitely a long period for acknowledgment and a formal reply.  The Union General Secretary also has not raised this issue.  Good job. God Bless them.

S Rajamani.

28.12.2015

On Mon, Dec 28, 2015 at 11:20 AM, cpvnair <cpvnai...@gmail.com> wrote:

WHY UFBU REFUSES TO FIGHT IN ONE VOICE?

 

 

 

Warm reg

 

 

CPVNAIR

 

From: bankpe...@googlegroups.com [mailto:bankpe...@googlegroups.com] On Behalf Of Natrajan Balasubramanian

Sent: Sunday, December 27, 2015 4:09 PM
To: bankpe...@googlegroups.com

Subject: Re: bankpensioner DOMICILIARY COVER TO RETIREES - YET TO BE RESOLVED

 

IT SEEMS EARLIER IBA HAS DISTORTED THE AGREEMENTS WITH UFBU TO THE DETRIMENT OF PENSIONERS. NOW IT IS THE TURN OF UIIC TO GO BACK ON THE AGREEMENT. HAS IBA  AGREED WITH UIIC REGARDING THE DOMICILLARY TREATMENT AND OTHER DISPUTED CLAUSES.IS  THE IBA LETTER DATED 17.12.2015 TO AIBEA AVAILABLE TO THE RETIREES PERUSAL

[cpvnair]

GM.Beg your pardon dear GRji.We, the shouting brigade should go ahead with more vigour.As you rightly observe, UFBU is almost extinct now for the poor show in the last BPS.The workforce has started to raise questions on the glaring disparity between bank employees salary and that of the CG employees.The disintegration of the UFBU is imminent.AIBEA,AIBOC and SBISF may thrive due to their inherent strengths.But each  is finding fault with others, telling in private talks that others are responsible for the debacle. Some say that if retirees are granted updation and uniform DA, the banks profitability would be at peril.I do not know why these persons do not study about corpus funds-inflow, incomes, outflow etc.

 

The bank employees as well are retirees are really stranded as we have no political patronage.There has been no use in running after MPs, LS Speaker, FM etc etc.There is no silverlining in the near vicinity as far as we are concerned .That does not mean that persons like us should go to Moun vrit.WE SHOULD STEP UP OUR FIGHT IN OUR OWN WAY.Let us keep our ailing brotherhood at full spirit for fight.

 

Of late, I observe that  a few unwanted things are discussed in our forum.Perhaps that is the reason why there are less participants.The respected moderator may kindly disregard such posts that are not of considerable relevance to the retirees community.Among the retirees, the old ones have real issues.So we cry and shout.Let us continue it with added enthusiasm, vigour etc, GRji.Hope many of the old retirees would agree with my humble point.

 

 

 

 

Warm reg

 

 

 

CPVNAIR

[cpvnair]

These ‘cat and mouse’ plays will go on at the cost of ailing retirees.UFBU, as a signatory of the agreement ,should fight it together.But what happens is AIBEA writes, AIBOC writes separately.What is the reason?Is UFBU extinct?The retirees organizations can go on writing but as they are not signatories to the agreement.UFBU seems to be dishonest to the issue.I do not know the reason behind it.If this is the stance of UFBU in this petty affair, then what could be their attitude towards our core issues in the coming days?Else, if they feel that domicillary is a closed chapter, why don’t they tell us?

 

Anyway, I am happy that we retirees got a cover of Rs 4 lacs p a @ Rs 20 per day.Even if it continues sans domicillary, I shall remain to be thankful to my UFBU.I could  not secure any medical assistance while the retirees who completed 30 years of service got a cover under the ‘REMBS’ by State Bank group through payment of Rs 62000 in a lump.But there are some retirees who require reimbursement for domicillary  treatment on ac of some serious ailments-cardiac, nephro etc.They would be the sufferers of this ill treatment by the ins cos.

[kknanda5]

Ufbu is an umbrella organisation of 9 unions and associations. They have not signed the agreement
Agreement is signed by all 9 unions and associations. Hence any issues affecting Ufbu has to be discussed in the meeting consisting of UFBU members and the meeting to be called by Convenor of Ufbu. As convenor does not prefer any discussion for a joint strategy , the two major constituents that is Aibea and Aiboc have separately taken up the matter. Time will tell their sincerity on the subject.

[PARASURAMAN K R]

Dear GR,

I can understand your anxiety, helplessness, frustration etc etc in not getting 100% DA neutralization issue not solved though we are making so much hue and cry over this issue since start of this blog. Though pre-2002 bank retirees are sizable in number they are a minority group in bank retirees family and their voice is feeble and often go un-noticed. The priority of the majority group is pension updation (which is a far of dream) and they are trying to convince and stifle the voices of pre-2002 pensioners with the argument that pension updation will take care 100% DA neutralisation. 

The truth is that nobody is against pension updation which has been outrightly rejected by IBA both in Record Note as well as in recent communications to AIBOC as well as to AIBEA. Further IBA has sought 3 to 4 months time to study cost implication to member banks on issues such as 100% DA neutralization,

improvement in family pension, merger of 4440 points of DA etc. Thus IBA has succeeded in satisfying all by keeping the matter alive and sleep over it for another 3 to 4 months without being disturbed by anybody. So there is no use in losing sleep over this issue at least for 3 or 4 months and it is better to remain calm and patient and control our blood pressure.

Let us better talk about next DA increase, restoration of commutation for SVRS pensioners etc and leave other things to the mercy of god. Let us pray that LIC pensioners get favourable verdict in DA neutralization and updation case likely to be decided on 20th of January 2016 by SC.

wishing you a happy new year,

Parasuraman.K.R

[Gopalakrishnan Ramachandran]

Thank you, PARASURAMAN, for your nice reaction.
As stated, let us be happy with forecasting the DA rates, the loss due to non implementation of 100%DA and restoration of commutated portion, in April,2016 and as of now there is no talk about stopping the above things.
I heartily reciprocate your new year greetings and let us hope the year 2016 will be better for the RETIREES as a whole.

G.Ramachandran
CB-SVRS

[Prasad C N]

Dear friends,

Policy for retirees has been issued.  But, most of us have not noticed denial of one more benefit, which is not mentioned in the clarification mail of United India Insurance Co. Ltd.  It is nothing other than 'OPD' benefit.  OPD benefit includes reimbursement of cost of visit to family doctor/specialist and cost of medicines.  This has also been excluded.  It is a dangerous trent. 

 

Thanks, a Million. 

With regards, 

Prasad C N

---

From: PARASURAMAN K R <paras...@gmail.com>
To: "bankpe...@googlegroups.com" <bankpe...@googlegroups.com>
Sent: Wednesday, 30 December 2015 10:28 AM

[cpvnair]

True CNPji.Many similar wash outs may be in the offing for us.

 

Wish you a very happy new year.

[koti]

Wish you and your family a happy new year.Let our hopes be fulfilled in the coming years.

[Dipak Kumar Nandy]

NEW YEAR - That brings something new in life. A resolution to bring hopes and a spirit to overcome all the darkness of past year. A determination to start all things with a new beginning which we failed to complete in the past year, some new promises to make life more beautiful, peaceful and meaningful and of completion of all desires that are deserve to be, to get ultimate pleasure.

HAPPY NEW YEAR to all of you and your family.

Dipak Kumar Nandy

Retired Officer, Patipukur Branch

Bank Of Baroda

(M)-9836675172