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AZAD JAMMU AND KASHMIR EMPLOYEES

BENEVOLENT FUND AND GROUP INSURANCE
RULES, 1972.
Dated 12th August 1972.
NOTIFICATION.

No. 7/72. In exercise of the powers conferred by section 23 of Azad Kashmir Employees
Benevolent Fund and Group Insurance Act, 1971 (XVI of 1971), the Azad Government of
the State of Jammu and Kashmir is pleased to make the following rules, namely:-

1. Short title and commebcement.- (1) These rules may be called (the Azad
Kashmir Employees Benevolent Fund and Group Insurance) Rules, 1972.

(2) They shall come into force at once.

2. Definitions.- In these rules, unless there is anything repugnant in the subject or

context;-

(a) "Act" means the Azad Kashmir Employees Benevolent Fund and Group
Insurance Act, 1971 (XVI of 1971);

(b) "Form" means a form annexed to these rules;

(c) "Organization" means such body corporate, institution, Organization or

autonomous body as has been specified by the Azad Kashmir
Government under sub-clause (b) of clause (3) of section 2;

(d) "Secretary" means the Secretary of the Board; and

(e) "section" means a Section of the Act.

3. Meeting of the Board.- (1) The meeting of the Board shall be held at
Muzaffarabad or any other place approved by the Board at least once in each
quarter.

(2) An extraordinary meeting of the Board may be called on the requisition

of not less than three members thereof by the Chairman to consider any urgent
matter:

Provided that the members requisitioning the meeting shall clearly state
the object of the meeting.

(3) Not less than seven clear days' notice shall be given for convening an !
I
extraordinary meeting.

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Provided that the Chairman may, if he considers necessary, convene a
meeting at shorter notice.

. (4) The members shall not be paid any remuneration by the Board for
, attending meetings or any daily allowance or travelling allowance to and from the
place of their official duties to the place of the meeting.
\
4. Duties of the Secretary.- All decisions of the meetings of Board shall be recorded
in a minute book to be maintained by the Secretary.

(2) Subject to the general control and supervision of the Chairman, the
Secretary shall be responsible for --

(a) the conduct of correspondence on behalf of t4e Board;

(b) the maintenance of all records of the Board;

(c) the presentation of the budget for each financial year to the Board;.

(d) the preparation of the agenda and all matters ancillary to the meetings of
the Board; and

(e) the performance of such other functions as may be assigned to him by

the Board.

5. Custody of the Funds.- The moneys credited to the Benevolent Fund and the
Insurance Fund shall be deposited in the Habib Bank Ltd. Muzaffarabad or in
such other scheduled banks .as may be approved by the Board for the purpose.

1[6. Rates of insurance:- Every employee shall pay to the Insurance Fund as premium
for the insurance of his life at one of the following rates, namely:-

Table -I Gazetted Emulovees:

Sum assured. Rate of monthly

Pay per month: Rupees:. premium Rupees.

1350 to 1800 56000 15/-

1801 to 2300 71000 19/-
2301 to 2800 86000 23/-
2801 to 3300 101000 27/-
3301 to 3800 116000 31/-
3801 to 4300 131000 35/-
1. Substituted vide Notification No. S&GAD/G-6/S0-1/78 dated 4-6-81; Further substituted vide Notification
1\'0. S&GAD/H-6(66) Sec-I/84; Further substituted with additional Table-I for Gazetted Employees
contribution towards Insurance Fund vide Notification No. S&GAD/H-6(66) Sec-l/84 Dated 10-6-1990.

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4301 to 4800 146000 39/-

4801 to 5300 161000 43/-
5301 to 5800 176000 47/-
5801 and above. 200000 54/-
Table -II Non-Gazetted Emplovees:

i) Up to seven hundred. Rs.7500/- Rs. 2/25

ii) More than seven hundred
but not more than one
thousand. Rs.15000/- Rs.4/45
iii) More than one thousand
but not more than one
thousand five hundred. Rs.22500/-
I Rs. 6/70
iv) More than one thousand
five hundred but not
more than two thousand
two hundred and fifty. Rs.30000/- Rs. 8/90
v) More than two thousand
two hundred and fifty. Rs.45000/- Rs. 13/30
~

Provided that the premium for the Group Insurance, on behalf of the
non-gazetted employees shall be paid by the Azad Government of the State of

7.
! Jammu and Kashmir.]

Payment of subscriptions or premia in default.- (1) Where the amount of

subscription to the Benevolent Fund or the Premium to the Insurance Fund
cannot for any reason, be deducted from the pay of an employee, the employee
. shall-

(a) in case he is serving abroad, remit the amount to the head of his
department; and

(b) in any ot~er case, remit the amount to the Secretary. v

(2) In the case referred to in clause (a) of sub-rule (1), the head of the
department, and in the case referred to in clause (b) of sub-rule (1), the Secretary
shall deposit the amount received by him to the credit of the Benevolent Fund or
as the case may be, the Insurance Fund, in the Habib Bank Muzaffarabad or any
other scheduled bank approved by the Board under rule 5.

(3) Any amount of subscription to the J3enevolent Fund or any premium to

the Insurance Fund remaining unpaid due to inadvertence or negligence of the
employee or other shall, upon a direction in writing of the Board, be deducted, in
the case of an employee of an Organization, by head of the Organization, and in
any other case, by the Accountant General, Azad Kashmir, from the salary of
such employee.

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 (4) Where the Accountant General or the head of the Organization, as the
case may be, upon a request being madc in writing by the employee finds that
deduction of the amounts remaining unpaid will result in any hardship to the
employee, he may deduct the amount in such number of instalments, not ..
exceeding twelve, as he may decide.

8. Medical authority for declaring an employee Incapacitated.- The medical

authority which, in accordance with the rules or regulations governing his
employment, declares an employee to have been completely incapacitated
physically or mentally to discharge the duties of his employment shall be the
medical authority for the purposes of clause (a) of section 13, and, in the absence
of any such rules or regulations, the medical authority for the purposes of that
clause shall be such authority as the Board may, after consultation with the head
of the Organization appoint.

9. Entitlement to benevolent grant on death after retirement.- If an employee dies

within five years of his retirement from the service, his family shall be entitled to
receive the benevolent grant from the Benevolent Fund in accordance with the
provisions of section 13.

10. Nomination of beneficiaries of the benevolent grant of the sum assured.- (1)
Every employee shall make a nomination conferring on one or more members of
his family the right to receive a specified share of the benevolent grant or the sum
assured that may be payable under section 13 or section 15. -
...
(2) The employee may provide in the nomination -
....
(a) that, in the event of anyone of the nominees pre-deceasing the
employee, the right conferred upon that nominee under sub-rule (1)
shall P<iSSto such other member or members of the employee's family as
he may specify in the nomination; and

(b) that the nomination in respect of all or any of the nominees shall become
..;- valid in the event of the happening of any contingency specified therein.

(3) every nomination shall be in the Form 'A'.

(4) An employee may at any time cancel a nomination made under sub-rule
(1) and make a fresh nomination.

(5) A nomination under sub-rule (1), or a fresh nomination under sub-rule

(4), made by an employee shltll be in triplicate and one copy of the nomination
or, as the case may be, fresh nomination shall be signed by the head of the office "
... ..
and returned to the employee, one copy shall be placed in the Confidential
Report or, as the case may be, ServiceBook of the employee and the third copy
shall be selit to the Board.

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 (6) A nomination under sub-rule (1) or a fresh nomination under sub-rule
~
(4), made by an employee shall, to the extent it is valid, take effect on the date on
which it is received by the Board or other authority to whom it is sent under sub-
rule (5). .

11. Payment of benevolent grant and the sum assured where no valid nomination
subsists.- Where no valid nomination made by the employee subsists at the time
-- of his death in relation to the whole of the amount of the benevolent grant and
the sum assured or any part thereof, the whole amount or, as the case may be, the
part to which the nomination does not relate, shall be paid to the member or
members of the family of the deceased employee in the manner hereinafter
appearing:-

(a) The Board, or an officer authorised by it in this behalf, may determine

the members of the family of the deceased employee who are eligible to
receive the benevolent grant and the sum assured:

Provided that if the members of the family of the deceased

employee are determined by an officer authorised by the. Board, any
member of the family of the deceased may, within thirty days of such
determination, appeal to the Board:

(b) If the members of the family of the deceased employee agree to

nominate anyone of them to receive the benevolent grant and the sum
assured, the payment shall be made to that member.

(c) If there is no such agreement, the payment shall be made in the

following manner:-

(i) if the deceased employee is survived by wife or, as the case may
be, husband, the benevolent grant and the sum assured shall be
paid to her or, as the case may be, him; and, in case the
! deceased employee is survived by more than one wives, the
amount of the benevolent grant and the sum assured shall be
distributed between them in the ratio of the number of ~ (
each one of them will maintain;

Provided that the recipient shall undertake to utilize the

amount,SQ received for the maintenance and benefit of all t.he
members of the family of the deceased employee;

(ii) if the deceased employee is not survived by wife, or, as the case
may be, husband, the amount of the benevolent grant and the
sum assured shall be distributed amongst the members of the
family of the deceased employee keeping in view the
req"Uirementof each such member.

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 12. Submission of application for benevolent grant etc.- (1) 1[ ] On the death
of an employee during the continuance of his employment, the head of the office
of such employee shall forward, through the head of the Department, an
application in Form 'B' to the Board for payment of the benevolent grant and the
sum assured.

(2) When an employee is declared by the medical authority to have been

completely incapacitated physically or mentally to discharge the duties of his
employment and is, for that reason, removed from service, the head of the office
of such employee shall forward, through the head of the department, an
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application in Form 'B' to the Board for payment of the benevolent grant.

(3) Upon receipt of an information that a retired employee has died within
the period laid down in rule, 9, the head of the office where-from such employee
retired shall forward,through the head of the department, an applicationin Form
'B' to the Board for payment of the benevolent grant.

(4) Upon receipt of an application under this rule, the Board shall, after
making S4ch enquiry and taking such evidence in the case of an application under
sub-rule (3) as it may consider necessary, pay the benevolent grant, or the sum
assured, or both, as the case may be, to the person entitled to receive it under
section 13, or rule 10, or rule 11, as the case may be.

2[13. Pa~ent of stipend out of Benevolent Fund Grants.

(1) Eligibility.- Employees of Azad Government of the State of Jammu and

Kashmir shall be considered to receive educational assistance for the education of --
their children out of the Benevolent Fund grant,who may be drawing -

,. 3[(a) Salary of Grade 18 and 19;

Provided that in case of officers in Grade 19 their pay shall not

exceed the maximum of Grade 18;

(b) In case the wife/husband of applicant is employed, she/he shall be

..... etigible to receive assistance if the combined salary does not exceed
Grade 18 and in the case of Grade 19, whose pay does not exceed the
maximum of Grade 18;]

(c) dependants of Government -Employ-ees other than their own children

shall not be entitled to such assistance; and

@ only such children shall be entitled for assistance-

......
1. Deleted by Government Order No. FD/l902-51/73 Dated 19-8-73.
2. Added vide Notification No. S&GAD /0"6/S0-1/81 Dated 27-5-1981.
3. Substituted vide Notification No. S&GAD/G-6/S0-1/82 Dated 5-9-1982 further substituted vide
Notification No. S&GAD/G-6/Sec-I/83 Dated 7-2-1983.

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(i) ~ho are studying in recognised institutions;

(ii) who are not receiving any financial assistance from any other
source;

(iii) S'who are not employed any where; and

(iv) who are not married.

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(2) Criteria.-

Amount of stipend.- Board may sanction year to year, such number of

stipends and amount,-r;:; such category Ilevel of education keeping in
view the financial position of the Trust.

(3) Procedure.-

(a) All stipend awards once sanctioned shall be payable to the

parents of the students concerned through the Heads of the
Department where they are employed;

(b) The Board shall have the power to reject any application
without assigning any reason thereof;

(c) Government Employees desirous of such educational assistance

shall be required to send their applications through proper
channel on prescribed forms obtainable from the office of the
Secretary Board of Trustees Muzaffarabad.
"'''''

(4) Terms and conditions.-

(a) All awardees shall be required to submit annual reports about

the progress of their studies and marks sheet, duly signed by the
heads of the institutions concerned, to the Secretary of the
Board, failing which the payment of the stipend amount can be
withheld;

(b) An awardee found guilty of misconduct or involved in subversive

activities, shall be liable to the cancellation of the stipend
forthwith;

(c) any change in tbe course of study prescribed or any breach of

any term of the institution, shall render the stipend for
cancellation without any notice;
...
(d) the particulars of the applicant be stated clearly al)d any
particulars found wrong shall render the applicant liable to

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 persecution for fraud or for defrauding thel Government as the
case may be;

(e) applications shall be called for by the(~'etarB Board of

trustees Muzaffarabad, through leading news papers, every year
on the fIxed dates, as the board may consider proper and no
application received after the due date shall be entertained.] --
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~ A .. ....
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FORM 'A'
(See role JO)

Name and Designation of the employee.........................................

service / department ..............

I hereby nominate the person/persons mentioned below who is/are

member /members of my family as defined in section 2 of the Azad Kashmir Employees
Benevolent Fund and Group Insurance Act, 1971, (Act XVI of 1971) to receive the
benevolent grant and the sum assured in the event of my death.

PART I
(For wife/husband only)

Name of Relation- Age Specification Remarks

nominee / ship. of share.
nommees.

PART II
(For members of family other than wife/husband)

Name of Relation- Age Specification Remarks

nominee/ ship. of share.
nommees.

Certified that the member or members of my family mentioned in Part II reside

with me and are wholly dependent upon me.

The earlier nomination made by me may kindly be treated as cancelled.

,Dated................... ( )
Signatur~ or thumb impression of the employee.
Witnesses:
(Name in block letters)
Service and Department.
1. .................................................
(Signature/thumb impression)

..................................................
(Name & Designation in block letters)
2. ..................................................
(Signature/thumb impression)

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 .................................................
..................................................... Signature and seal of the
(Name and Designation in block letters). head of the Office,
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FORM 'B'
(See role 12) '" ~
APPLICA nON FORM

1. Name of the employee..........................................................................................

2. His/her Serviceor Department """"""'" ............................
3. head of the Service or Department.....................................................................
4. Last appointln ent held """""""'"
5. (a) Pay per mensem.
(i) Basic Pay .................................
(ii) Special Pay.....................................................................................
(iii) Personal Pay ........................................................
(iv) Technical Pay ..........................................................

(b) Certificate of the Head of the

Department regarding Pay:
Attached vide Annexure ............................................
6. Date of birth (as verified from service Book)...................................................
7. (a) Date of retirelnent ................................................................ ~

(b) Date of death (three copies of the certificate from the

head of Department or Medical Officer or extract from the
Register of birth/death of Union Council/Union Committee/
Municipal Committee/Police Station. ...........................................

(c) Date of removal from service on account of incapacitation...............

.;0-
8. (a) Name/names of the nominee/
Nolninees. ._~..................................................................
-' ~.....................................................................................
(b) Copy of nominatIon Form Attached
vide Annexure ...................................................................
9. Name of other family members of the
deceased (in case no valid nomination
f subsists) ............................................................................................. -"'-'
.............................................................................................
10. Address of the retired employee/
nominees/incapacitated employees
where correspondence can be made...................................................................

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1 11. Branch of the Habib Bank Ltd.

from benevolent grant may be paid....................................................................
, ".........
,
................... ! 12. Head Post Office from where
sum assured may be paid "..

, 13, Period for which contributions ~ of

I
to Benevolent and Insurance
Funds were not paid ".......
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110-4-1972) 14. (a) Four copies of duly attested f! I
I
photographs of each retired
employee/nominee/or the
incapacitated employee Enclosed vide Annexure.
of Ii
(b) Four signatures/thumb impress-
neral, Azad ions on separate sheets (four
~other part. on each sheet) of each retired
em ployee / nominee /inca pacitated
an interest employee. Enclosed vide Annexure.
i Motor Car III .'
t Order No. In case of incapacitated employee only.
said Rules"
for the time 15. (a) Certificate from the Medical
Authority. .Enclosed vide Annexure.
:1.
lce has been (b) Copy of the order removing/ j~
~said Motor retiring the incapacitated I
;,
employee. .
Enclosed vide Annexure. "
~
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t,

Ie amount so Certified that the information contained above is correct and checked from the
the schedule I record. ..,.)"
l
1
\. 'I

Dated............................. Head of the Office.

of the said
,onvenient to Forwarded to the Board of Trustees of the Azad Kashmir employees Benevolent
the balance
payments of
.t on the sum
andInsurance Funds.
Dated
-
; -
Head of the Department.

id Rules and
luctionsvfrom
:e of the said
:ntthe Motor \
:n by way of
Rules.
I
id in full the J
erty and that \ ,lflii
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