Welfare schemes offered by the Funds.

Benefits paid on different events.

Increase in monthly grant announced in 2003.
Detail of prescribed forms to submit claims.
Rate tables of contributions and benefits.
9/214(Goals)Inv-BT 15th February, 08 2008
Performance.

This issue mainly consists of information on benefits provided under welfare

schemes of the Federal Employees Benevolent Fund on different occasions, how the
benefits are claimed and which information is required to provide with the claim. The
Federal Employees Benevolent & Group Insurance Funds (FEB & GIF) presently covering
500,000 employees pays following benefits under its welfare schemes.

1 Monthly benefit
 Monthly benevolent grant defrayed over life of the
spouse.
2 Lump sum benefits
 Group Insurance on death of an employee during
service.
 Lump sum grant on invalid retirement of an employee.
 Farewell grant on retirement after 25 years’ service.
 Burial charges on death before 70 years age of
employee.
 Marriage grant on marriage of one child of recipient of
Benevolent grant.
Benefits paid on 2. a) If
 Educational stipends for outstanding children of
death during service serving/retired employees. an
employee
dies during service his/her spouse is paid monthly benevolent grant from Rs. 1,120 to Rs.
4,000 according to different pay slabs as per column 4 of table “A” at annex-A, for whole
life. In case spouse re-marries or dies, the monthly benevolent grant is transferred to
eligible family members for a maximum period of fifteen years. The period of grant is
worked out from the date of death of the employee. Unlike family pension the amount of
grant is not reduced.
b) Family of deceased employee is also paid lump sum group insurance ranging from
Rs. 131,000 to Rs. 700,000 according to pay slabs as per column 4 of table “B” at annex-A.

c) The family of deceased employee is also paid burial charges of Rs. 5,000.

d) The families who are receiving monthly benevolent grant are eligible to claim
marriage grant of Rs. 10,000 on marriage of one child irrespective of gender.
Page 1 of 6
 Benefits paid on 3. If an employee retires from service on medical grounds
medical retirement with atleast 80% disability, he is paid following benefits:-

a) A monthly grant from Rs. 1,120 to Rs. 4,000 per month according to pay slabs as per
column 4 of table “A” at annex-A.

b) A lump sum grant ranging from Rs. 57,500 to Rs. 260,000 according to pay slabs as per
column 3 of table “C” at annex “A”.
c) If the invalid retired employee dies before the age of seventy years, his monthly grant is
transferred to his/her spouse for life. Unlike family pension the amount of grant is not
reduced. If there is no spouse or the spouse dies, the grant is transferred to other eligible
family members for remaining period of 15 years or upto the age of seventy years of
the employee, whichever is earlier.

d) The family is also paid burial charges of Rs. 5,000 on death of the invalid retired
employee.
e) The invalid retired employee, his spouse or the eligible family member receiving
monthly grant is also eligible to claim marriage grant of Rs. 10,000 on marriage of one
child irrespective of gender.

Benefits paid on death 4. a) The employees covered under the schemes of the
after retirement FEB & GIF contribute to the funds upto their retirement. If
any employee dies after retirement before the age of seventy
years, his spouse is paid monthly benevolent grant for life
according to the rates mentioned in column 4 of table A at annex-A. In case there is no
spouse the monthly grant is paid to other eligible family members for a period of fifteen
years or upto the age of seventy years of the employee, whichever is earlier.
b) The family is also paid Rs. 5,000 as burial charges.

c) The family receiving monthly grant is also eligible to claim marriage grant of Rs.
10,000 on marriage of one child irrespective of gender.

Payment of burial charges 5. If an employee dies before seventy years of

age and there is no family member eligible for any
benefit under provisions of the Law; burial charges of Rs. 5,000 are even payable to the
family.

Farewell grant on 6. A farewell grant equal to one month basic pay

retirement after 25 years’ is paid if an employee retires from service after twenty
service five years continuous service in Federal Govt. This
grant is payable with effect from 01.01.2006.

Educational stipends for 7. The FEB & GIF has introduced a scheme of
outstanding children educational stipends for post matric studies, excluding
M.Phil and P.H.D. for outstanding children of serving,
Page 2 of 6
retired, and deceased employees. A student who has obtained at least 80% marks in the
last held Board/University examination can apply. Maximum two children of an employee
are paid the stipend. Seventy five percent of the budget is meant for non-gazetted
employees while 25% is allocated to gazetted employees. During 2006-07 four hundred
students were paid Rs. 5.3 million as stipends. Every employee whether serving, retired or
family of a deceased employee can apply for the stipend.

Increase in grant rates for 8. The benevolent grant rates for families
beneficiaries prior to drawing monthly benevolent grant on 30.11.2003 were
01.12.2003 increased by 20% w.e.f., 01.12.2003. In case any
beneficiary who was receiving benevolent grant on
30.11.2003 has not obtained this increase, may approach the branch of National Bank of
Pakistan where from monthly benevolent grant is being drawn by him/her. In case of any
difficulty, respective Regional Boards may be approached or a reference may be made to
the Director Planning FEB & GIF Block C-II, BF Building, Zero Point, Islamabad
providing a photo copy of the sanction memo.
Measures for prompt settlement of claims
9. In order to settle the claims and pay the benefits to bereaved families in a minimum
possible time, it is necessary that the relevant documents are sent with the claims. In this
context different forms have been prescribed to claim following benefits:
1. Form for claim of monthly benevolent grant, sum assured, lump sum grant
on
invalid retirement and burial charges.
2. Form for claim of Marriage grant
3. Form for claim of Farewell grant
4. Form for educational stipend
5. Nomination form
These forms are available on website of the FEB & GIF under Establishment
Division.

10. All claims except claim for marriage grant are to be submitted to the FEB & GIF
through parent departments of employees. [SUBMISSION OF CLAIMS IS THE
RESPONSIBILITY OF THE DEPARTMENT OF THE EMPLOYEE].
11. Representations are being made by the
Representation to increase the
employees to increase benefit rates because these are
benefits structure/rates
less than other Benevolent Funds launched by various
organizations. In this context it is clarified that Benevolent and Group Insurance Funds are
self-contributed schemes. Higher the amount contributed by the members, better would be
the benefits structure. It would be seen from the figures shown in the performance table
that the FEB & GIF is paying higher than the contributions being received from the
employees. The Federal Employees Benevolent Fund schemes, in fact, are cheaper from
contribution point of view as explained below:-

 The contribution rate of Federal Benevolent Fund is 2% of pay subject to a

maximum of Rs. 155 while in the Punjab Employees Benevolent Fund, the
employees have to contribute @ 3% of pay without cap. A BS-2 employee, with
Page 3 of 6
 basic pay of Rs. 2,501 has to contribute towards the Federal Employees Benevolent
Fund at Rs. 51 per month; while in the Punjab Employees Benevolent fund, such
employee has to pay Rs. 75 per month.
 The FEB & GIF also pays sum assured on invalid retirement ranging from Rs.
57,500 to Rs. 260,000 within the same contribution rate. No other Benevolent Fund
scheme has introduced this benefit so far.

 The FEB & GIF pays “Farewell grant” to all the employees irrespective of status of
the employee while the Punjab Govt. caters to gazetted employees only.
 Maximum amount of Group Insurance in the FEB & GIF is Rs. 700,000 on
payment of monthly contribution of Rs. 182 while in the Punjab it is Rs. 1,120,000
and the contribution rate is Rs. 437 per month.
Performance at a glance
Sr. 2007-08
12. Following
No. officesIndicators
of the FEB & GIF2004-05
deal with2005-06
the claims:-
2006-07
[Dec2007]
1 2 3 4 5 6
Benevolent
To submit claims of Fund
Benevolent grant, sum assured, burial charges and lump sum invalid grant
Sr. 1
Regional Contributions (Rs. in 495 587 Last 589 276 of the
posting station
Address & contact Nos.
No. Board mln.) employee
2 Ben. grants (Rs. in mln) 466 559 638 343
1 2 3 4
3 Farewell grant (Rs. in - 1 40 22
1 Islamabad BF building, Block C-II, Zero Point, ISLAMABAD, N.W.F.P., N.A.,
mln.)
Islamabad. FATA, Azad Kashmir,
Total (2+3) 466 560 678 365
Ph. #051-9252316 Rawalpindi, Chakwal, Attock &
4 No. of families 48,588 50,323 Jhelum
56,124 59,855
Districts
2 Group Insurance
Karachi Al-Ameera Fund
Centre, Opposite Sind and Baluchistan
5 Contributions
Passport(Rs. in Saddar, Karachi.
office, 341 346 provinces.
384 166
mln) Ph: #021-9202327
3 Lahore DisbursementsAl-Jannat Building, Nila Gumbad, All Punjab except Rawalpindi,
6 Sum assured
Lahore.(Rs. in mln) 250 315 Chakwal,
347 Attock &165
Jhelum
7 Burial Ph: #042-9211402
Charges (Rs. in 12 14 Districts.
15 7
mln)
Sr. No. 8
BenefitMarriage grant (Rs. inDesignation, 2Address & Contact
3 5
Nos. 2
1 2 mln) 3
9 Invalid grant (Rs. in mln) - 2 20 8
1 Farewell grant Director Admin, BF building, Block C-II, Zero Point,
10 Education Stipend - - 5 -
Islamabad. #051-9252308
2 Marriage grant Total (6+7+8+9+10)
Director Planning, BF264 334 C-II,392
building, Block Zero Point, 182
11 Families paid benefits 2,482
& Educational stipends Islamabad. #051-9252202 2,923 3,354 1,445

Page 4 of 6
 Annex-A
Table ‘A’ Table ‘B’ Table ‘C’
Benevolent Fund—Rates of monthly Group Insurance Fund—Rates of monthly contribution Group Insurance Fund—Rates of lump sum
contribution/Benevolent grant effective from and one time sum assured grant on invalid retirement payable with
01.12.2003 (sum assured rates effective from 01.01.2006) effect from 01.01.2006

Sr. Monthly pay Rate of Rate of Sr. Monthly pay Rate of Sum Sr. Monthly pay Lump
No. (Rs.) monthly monthly No (Rs.) monthly Assured No (Rs.) Sum gran
Contrib Benevolent Contribution (Rs) (Rs)
ution grant (Rs.) (Rs.)
(Rs.)

1 2 3 4 1 2 3 4 1 2 3
Page 5 of 6
 1 Upto 2000 39 880 1 Upto 1500 24.50 80,000 1 Upto 1500 35,000
2 2001 2100 41 920 2 1501 2000 29.75 97,000 2 1501 2000 42,500
3 2101 2200 43 960 3 2001 2500 35.00 114,000 3 2001 2500 50,000
4 2201 2300 45 1,000 4 2501 3000 40.25 131,000 4 2501 3000 57,500
5 2301 2400 47 1,040 5 3001 3500 45.50 148,000 5 3001 3500 65,000
6 2401 2500 49 1,080 6 3501 4000 50.75 165,000 6 3501 4000 72,500
7 2501 2600 51 1,120 7 4001 4500 56.00 182,000 7 4001 4500 80,000
8 2601 2700 53 1,160 8 4501 5000 61.25 199,000 8 4501 5000 87,500
9 2701 2800 55 1,200 9 5001 5500 66.50 216,000 9 5001 5500 95,000
10 2801 2900 57 1,240 10 5501 6000 71.75 233,000 10 5501 6000 102,500
11 2901 3000 59 1,280 11 6001 6500 77.00 250,000 11 6001 6500 110,000
12 3001 3100 61 1,320 12 6501 7000 82.25 267,000 12 6501 7000 117,500
13 3101 3200 63 1,360 13 7001 7500 87.50 284,000 13 7001 7500 125,000
14 3201 3300 65 1,400 14 7501 8000 92.75 301,000 14 7501 8000 132,500
15 3301 3400 67 1,440 15 8001 8500 98.00 318,000 15 8001 8500 140,000
16 3401 3500 69 1,480 16 8501 9000 103.25 335,000 16 8501 9000 147,500
17 3501 3600 71 1,520 17 9001 9500 108.25 352,000 17 9001 9500 155,000
18 3601 3700 73 1,560 18 9501 10000 113.75 369,000 18 9501 10000 162,500
19 3701 3800 75 1,600 19 10001 10500 119.00 386,000 19 10001 10500 170,000
20 3801 3900 77 1,640 20 10501 11000 124.25 403,000 20 10501 11000 177,500
21 3901 4000 79 1,680 21 11001 11500 129.50 420,000 21 11001 11500 185,000
22 4001 4100 81 1,720 22 11501 12000 134.75 437,000 22 11501 12000 192,500
23 4101 4200 83 1,760 23 12001 12500 140.00 454,000 23 12001 12500 200,000
24 4201 4300 85 1,800 24 12501 13000 145.25 471,000 24 12501 13000 207,500
25 4301 4400 87 1,840 25 13001 13500 150.50 488,000 25 13001 13500 215,000
26 4401 4500 89 1,880 26 13501 14000 155.75 505,000 26 13501 14000 222,500
27 4501 4600 91 1,920 27 14001 14500 161.00 522,000 27 14001 14500 230,000
28 4601 4700 93 1,960 28 14501 15000 166.25 539,000 28 14501 15000 237,500
29 4701 4800 95 2,000 29 15001 15500 171.50 556,000 29 15001 15500 245,000
30 4801 4900 97 2,040 30 15501 16000 176.75 573,000 30 15501 16000 252,500
31 4901 5000 99 2,080 31 16001 16500 182.00 590,000 31 16001 & above 260,000
32 5001 5500 105 2,200 32 16501 17000 182.00 607,000
33 5501 6000 115 2,400 33 17001 17500 182.00 624,000
Note: Slabs upto Rs. 2,500
34 6001 6500 125 2,600 34 17501 18000 182.00 641,000 have become redundant due
35 6501 7000 135 2,800 35 18001 18500 182.00 658,000
36 7001 7500 145 3,000 36 18501 19000 182.00 675,000 to revision of pay scales.
37 7501 8000 155 3,200 37 19001 19500 182.00 692,000
38 8001 8500 155 3,400 38 19501 & above 182.00 700,000
39 8501 9000 155 3,600
40 9001 9500 155 3,800
41 9501 & 155 4,000
above

FOR COMPLAINTS PLEASE CONTACT: -

1 AVM Muhammad Ateeb Siddiqui Managing Ph. # 051-9252180 BF Building, Block C-II,
(Retd) Director Zero point, Islamabad.
2 Mr. Abdul Majid Senior Director Ph. # 051-9252306 -do-

/conversion/tmp/scratch/47101492.doc
BF Building, P.O.Box No.2035, Zero Point, Islamabad Tel:#:9252328 Fax:#:9252363

Page 6 of 6