Schemes and Programmes being run by the various Ministries/ Departments of Government of India, for welfare of Senior Citizens
1. "Integrated Programme for Senior Citizens (IPSrC)".
This scheme was earlier known as "Integrated Programme for Older
Persons (IPOP)" and is being run under the administrative control of
Ministry of Social Justice and Empowerment. U nder this scheme,
grants-in-aid are given for running and maintenance of Senior Citizens
Homes popularly called Old Age Homes/Continuous Care Homes, Mobile
Medicare Units, etc., to the Implementing Agencies such as State
Governments / Union Territory Administrations (through Registered
Societies)/ Panchayati Raj Institutions (PRls) / Local bodies; Non
Governmental/Voluntary Organizations. Under the Scheme, grant is
released after the receipt of Utilization Certificate of previous
grant.
2. 'Rashtriya Vayoshri Yojana (RVY)'.
The objective of the scheme is to provide senior citizens, belonging
to BPL category and suffering from age related disabilities/
infirmities, with such physical aids and assisted living devices which
can restore near normalcy in their bodily functions. This scheme was
launched on 1st April, 2017 and is under the administrative control
of Ministry of Social Justice and Empowerment. Under the Scheme,
assisted living devices such as walking sticks, elbow crutches, walkers/
crutches, tripods/quadpods, hearing aids, wheelchairs, artificial
dentures, spectacles are provided free of cost to the identified
beneficiary senior citizens. The Scheme is being implemented by the
"Artificial Limbs Manufacturing Corporation (ALIMCO)", a Public Sector
Undertaking under this Ministry. The devices are distributed in the camp
mode to the identified beneficiaries. The Scheme is being funded from
Senior Citizens' Welfare Fund (SCWF).
3. "Senior Citizens' Welfare Fund".
In pursuance of the Budget Announcement, 2015- 16, this welfare fund
has been created to be utilized for such schemes, for promoting
financial security of senior citizens, healthcare and nutrition of
senior citizens, welfare of elderly widows, schemes relating to Old Age
Homes, Short Stay Homes and Day Care of senior citizens etc. , for the
promotion of the welfare of senior citizens. This scheme is under
administrative control of Ministry of Social Justice and Empowerment.
The Fund comprises of the unclaimed amounts transferred by every
institution holding such fund in the Schemes including Small Savings and
other Saving Schemes of the Central Government such as Post Office
Savings Accounts, Post Office Recurring Deposits Accounts etc., Accounts
of Public Provident Funds and Accounts of Employees Provident Fund,
that remain unclaimed for a period of seven years from the date of the
account being declared as inoperative account. The Fund is administered
by an Inter-Ministerial Committee, comprising of Department of Financial
Services, Ministry of Health and Family Welfare, Ministry of Rural
Development, Ministry of Housing & Urban Affairs and Ministry of
Labour and Employment, with Ministry of Social Justice and Empowerment
as the Nodal Ministry for administration of the Fund.
4. National Council for Older Persons (NCOP).
In pursuance of the National Policy for Older Persons (N POP), this
council was constituted in 1999 to oversee implementation of the Policy
and to advise the Government in the formulation and implementation of
policy and programmes for the aged. The National Council for Older
Persons (N COP) has been reconstituted and renamed as National Council
of Senior Citizens (NCSrC) in 2012. The mandate of NCSrC is to advise
Central and State Governments on the entire gamut of issues related to
welfare of senior citizens and enhancement of their quality of life. The
Hon'ble Minister, Social Justice and Empowerment is the Chairperson of
the Council.
5. 'Vayoshreshtha Samman'.
In order to recognize the efforts made by eminent Senior Citizens and
Institutions involved in rendering distinguished services for the cause
of elderly persons, especially indigent senior citizens, the
Ministry of Social Justice and Empowerment started celebrating
International Day of Older Persons (IDOP), since 1st October,
2005, giving in recognition to their contribution to the society.
Fu rther, in order to showcase the Government's concern for senior
citizens and its commitment towards senior citizens with the aim of
strengthening their legitimate place in the society, the Vayoshrestha
Samman was upgraded to National Award and the Scheme of National
Awards for Senior Citizens was notified in the Gazette of India on
22.01.2013. The Awards are given under thirteen categories. The
National Awards were presented for the first time during 2013,
on 1st October, on the occasion of Interna tional Day of Older
Persons (IDOP). On 1st October every yea r, Ministry of Social Justice
and Empowerment also organizes Health Camps, Inter-generational
walkathons etc. in different States with active participation of Senior
Citizens, Youth, Celebrities and Media-persons etc.
6. National Social Assistance Programme (NSAP)
is a Centrally Sponsored Scheme of Ministry of Ru ral Development. NSAP
is a social security/social welfare programme applicable to old aged,
widows, disabled persons and bereaved families on death of
primary bread winner, belonging to below poverty line household. Old age
pension is provided under Indira Gandhi National Old Age Pension Scheme (IGNOAPS)
to the persons belonging to below poverty line (BPL) household.
Central assistance of Rs. 200/- per month is provided to the persons of
60-79 years of age and Rs. 500/- per month to the persons of age of 80
years or more. This Scheme is implemented by the States/UTs.
Identification of beneficiaries, sanction and disbursement of benefit
under the schemes is done by the States/UTs. A Top-up, over and above
the Central assistance is also provided by State Governments/UT Ad
ministrations as per the following details:-
| S. No. | Top-up per person per month | States/UTs |
| 1. | No top-up | Arunachal Pradesh, Nagaland, Maniour |
| 2. | Too-up of Rs. 50/- | Meghalava, Mizoram |
| 3. | Top-up of Rs. 75/- | Madhya Pradesh |
| 4. | Top-up of Rs. 100/- | Chhattisgarh, Odisha, Uttar Pradesh |
| 5. | Top-up of Rs. 200/- | Assam, Gujarat, Jammu & Kashmir |
| 6. | Too-up of Rs. 250/- | Kerala, Puniab, West Bene:al |
| 7. | Top-up of Rs. 300/- | Rajasthan, Tripura, Karnataka |
| 8. | Top-up of Rs. 400/- | Bihar, Maharashtra, Sikkim |
| 9. | Top-up of Rs. 600/- | Uttarakhand |
| 10. | Top-u p of Rs. 800/- | Andhra Pradesh, Tamil Nadu, Dadra & Nagar Haveli, Daman & Diu, Lakshadweep |
| 11. | Top-u p of Rs. 1000/- | Chandigarh, Delhi, Himachal Pradesh, Telangana |
| 12 | Top-u p of Rs. 1200/- | Haryana |
| 13 | Top-u p of Rs. 1800/- | Goa, Puducherry |
7. "Annapurna Scheme".
Department of Food and Public Distribution allocates food grains as per
requirements projected by the Ministry of Rural Development under the Annapurna Scheme,
wherein indigent Senior Citizens, who are not getting pension under
IGNOAPS, are provided 10 kg of food grains per person per month free of
cost.
8. "Antyodaya Anna Yojana(AAY). Department of Food and Public Distribution implements Antyodaya Anna Yojana (AAY),
under which rice and wheat at a highly subsidised cost, is extended to
households, headed by widows/terminally ill/disabled persons/senior
citizens, with no assured means of maintenance or societal support.
9. 'Pradhan Mantri Vaya Vandana Yojana' (PMVVY) is
under administrative control of Ministry of Finance. The scheme aims to
protect elderly persons aged 60 years and above against a future fall
in their interest income due to the uncertain market condition, as also
to provide social security during old age. The scheme is being
implemented through Life Insurance Corporation (LIC) of India.
The scheme provides an assured return of 8% per annum payable
monthly for 10 years. The differential return, i.e., the difference
between return generated by LIC and the assured return of 8%per annum
would be borne by Government of India as subsidy on annual basis. The
scheme was open for subscription for a period of one year, i.e., from
4th May 2017 to 31stMay 2018. The minimum purchase price under the
scheme was Rs. 1.5 lakh per family for a mini mum pension of Rs. 1,000/-
per month and the maximum purchase price was Rs. 7.5 lakh per family
for a maximum pension of Rs. 5,000/- per month. In pursuance to Budget
Announcement 2018- 19, Cabinet at its Meeting held on 2nct May, 2018 has
approved the extension of Pradhan Mantri Yaya Vandana Yojana up to 31st March 2020
and limit of maximum purchase price of Rs. 7.5 lakh per family under
the scheme has also been enhanced to Rs. 15 lakh per senior citizen. A
total of number of 2,82,155 subscribers consisting corpus of Rs.
17,704.65 crore are being benefited under PMVVY as on 30.06.2018.
10. Income Tax Rebate. Ministry of Finance provides Income Tax Rebate
to Senior Citizens. Income Tax exemption for Senior Citizens of 60
years and above age is up to Rs. 3 lakhs and only 5% is levied on
income between Rs. 3 lakhs and 5 lakhs. Senior citizens above 80 years
and above age are exempted from paying income tax up to Rs. 5 lakhs.
Deduction in case of every senior citizen u/s BODDB of the Income Tax
Act on expenditure on account of specified diseases has been increased.
To incentivize younger generation to look after medical needs of their
parents, section SOD of I.T. Act provides for a deduction to keep in
force insurance on the health of the parents or parents of the
assessee. A similar deduction is also available to a Hindu Undivided
Family (HUF) in respect of health insurance premia, to effect or to
keep in force insurance on the health of any member of the HUF. Further,
the existing provisions of section 207 of the Income-Tax Act, 1961
exempts individual resident senior citizens (60+ years) at any time
during the previous year, from payment of advance tax who does not
have any income chargeable under the head 'Profits and gains of
business or profession'.
11. Service Tax. Under the Service Tax laws
of Ministry of Finance, activities relating to advancement of education
programmes or skill development relating to persons over the age of 65
years residing in a rural area by an entity registered under Section
12AA of the Income Tax Act, 1961 are exempt from Service Tax. With
respect to senior citizens having Savings Account in Banks and Post Offices, higher interest rates is given to the senior citizens.
12. Scheme for Reverse Mortgage:
The Scheme was launched in 2007 by Ministry of Finance. Under the
Scheme, senior citizens can mortgage their property with Bank and can
get a maximum loan amount up to 60% of the value of the residential
property. The maximum tenure of the mortgage is 15 years and minimum is
10 years. Some banks are now also offering a maximum tenure of 20
years.
13. Health Insurance.
Insurance Regulatory Development Authority (IRDA), under the Ministry of
Finance, vide letter dated 25.5.2009 issued instructions on health insurance for senior citizens to CEOs of all General Health Insurance Companies which, inter-alia, includes:
- Allowing entry into health insurance scheme till 65 years of age,
- Transparency in the premium charged
- Reasons to be recorded for denial of any proposals etc. on all health insurance products catering to the needs of senior citizens.
- Likewise the insurance companies cannot deny renewability without specific reasons.
14. Financial Assistance. Ministry
of Textiles has a Scheme under which a monthly financial assistance
of Rs. 3,500/- per month is given to such handicrafts awardee artisans
who are above 60 years of age and have an annual income of less than Rs.
50,000/-
15. Retiring Benefits and Pension. Department
of Pension & Pensioners' Welfare monitors and ensures that the
retiring Central Government employees are granted retirement benefits
including pension, so that they can live an active and dignified life
after retirement.
16. Safety and Security.
The Ministry of Home Affairs has issued two detailed advisories
dated 27-3-2008 and 30-8-2013 to all States Governments/UTs advising
them to take immediate measures to ensure safety and security and
for elimination of all forms of neglect, abuse and violence against old
persons through initiatives such as identification of senior citizens,
sensitization of police personnel regarding safety, security of older
persons, regular visit of the beat staff; setting up of toll free senior
citizen helpline; setting up of senior citizen security cell;
verification of domestic helps, drivers etc.
17. Accesible India Campaign (Sugamya Bharat Abhiyan). Department of Empowerment of Persons with Disabilities (DEPwD) of Ministry of Social Justice and Empowerment launched the Accessible India Campaign (Sugamya Bharat Abhiyan)
in 2015 as a nation-wide Campaign for achieving universal accessibility
for Persons with Disabilities (PwDs). Sugamya Bharat Abhiyan
(Accessible India Campaign) aims to enable persons with disabilities to
gain universal access, equal opportunity for development, independent
living and participation in an inclusive society in all aspects of life.
This includes creation of elder friendly barrier free environment in
buildings, public toilets, buses, bus-stands, airports and other public
places to create age-friendly cities.
18. Concession in the Fares and other amenities. Indian Railways have taken various measures for Welfare of senior citizens, some of which are under:
i. As per rules, male Senior Citizens of minimum 60 years and lady Senior Citizens of minimum 58 years are granted concession in the fares of
all classes of Mail/Express/Rajdhani/Shatabdi/Jan Shatabdi/Duronto
group of trains. The element of concession is 40% for men and 50% for
women.
No proof of age is required at the time of purchasing tickets. However,
they are required to carry some documentary proof as prescribed showing
their age or date of birth and have to prod uce it if demanded by
on-board ticket checking staff. Senior Citizens can book reserve tickets
across the reservation counters as well as through internet.
ii. In the computerised Passenger Reservation System (PRS), there is a provision to allot lower berths to Senior Citizens,
Female passengers of 45 years and above automatically, even if no
choice is given, subject to availability of accommodation at the time of
booking.
iii. In all trains having reserved sleeping accommodation, a combined
quota of six (6) lower berths per coach in Sleeper class and three (3)
lower berths per coach each in AC 3 tier and AC 2 tier classes has been
earmarked for Senior Citizens, Female passengers of 45 years of age
above and pregnant women. In case of Rajdhani, Duronto and fully Air
Conditioned/Express trains, the number of berths to be earmarked under
this quota in 3 AC is 4 (four) lower berths per coach as against 3
(three) lower berths per coach in normal Mail/Express trains.
iv. Accommodation is also earmarked for Senior Citizens during specified hours on suburban sections by Central and Western Railways.
v. Instructions exist for provision of wheel chairs at stations.
This facility is provided, duly escorted by coolies (on payment) as per
present practice. Moreover, Zonal Railways have also been advised to
provide free of cost 'Battery Operated Vehicles for Disabled and
Old Aged passengers' at Railway Stations. In addition, passenger can
book e-wheel chairs online through IRCTC portal www.irctc.co.in.
vi. To help old and disabled passengers requiring assistance at the stations and to strengthen the existing services, 'Yatri Mitra Sewa'
is being provided through IRCTC at major stations for enabling
passengers to book wheelchair services cum porter services etc.
vii. After departure of the train, if there are vacant lower berths
available in the train and if any physically person with disability
booked on the authority of handicapped concession or a senior citizen or
a pregnant woman, who has been allotted upper/middle berth, approaches
for allotment of vacant lower berths, the on-board Ticket Checking Staff
has been authorised to allot the vacant lower berth to them making
necessary entries in the chart.
viii. Separate counters are earmarked at various Passengers
Reservation System (PRS) centres for dealing with the reservation
requisitions received from Physically persons with disability, Senior
Citizens, ex-MPS, MLAs accredited journalists and freedom fighters, if
the average demand per shift not less than 120 tickets. In case there is
no justification for earmarking of an exclusive counter for any of
these categories of persons including persons with disability or senior
citizens, one or two counters depending upon the total demand are
earmarked for dealing with the reservation requests for all these
categories of persons.
19. National Programme for Health Care of the Elderly (NPHCE). Ministry of Health and Family Welfare, Government of India has been implementing National Programme for Health Care of the Elderly (NPHCE)
from the F.Y. 2010-11 to provide dedicated healthcare services to the
elderly people at various level of state health care delivery system at
primary, secondary and tertiary health care including outreach services.
National Programme for Health Care of the Elderly (NPHCE) has two
components with the following provisions to provide health care
facilities to the elderly people in the country:-
(1) National Health Mission (NHM) component: The district and
below activities of the programme is being covered under
Non-Communicable Diseases (NCD) flexible pool of NHM which are as
follows:
- Geriatric OPD and 10 bedded Geriatric Ward at District Hospitals.
- Bi-weekly Geriatric Clinic at Community Health Centres (CHCs).
- Weekly Geriatric Clinic at Primary Health Centre (PHCs).
- Provision of Aids and Appliances at Sub-centres.
The programme is being implemented on the basis of Programme
Implementation Plan (PIP) submitted by the States/UTs and viability
under the provisions of NPHCE. As on date, 599 districts of 35
States/UTs have been approved to implement the District and below
activities of the Programme.
(2) Tertiary Component: In addition to NHM component of the
programme, to ensure appropriate referral for conditions not amenable to
be treated at primary and secondary level to create human resource
orientated towards geriatric care, this Ministry is supporting
development of 19 Regional Geriatric Centres (RGCs) with and
establishment of 02 National Centres of Ageing each at AIIMS, New Delhi
and MMC, Chennai with the following geriatric health care facilities:-
- Geriatric OPD, 30 bedded Geriatric ward for in-patient care @ RGCs and 200 bedded Geriatric ward @ NCAs.
- 02 PG seats per RGC and 15 PG seats per NCA in Geriatric Medicine.
- Research activities, Imparting Training and Development of training material.
20. Longitudinal Ageing Study in India (LASI) Project:
Ministry of Health and Family Welfare launched this project in 2016
to assess the health, economic and social status of the elderly (age
45-60). This project is going to be one of the largest comprehensive
ageing surveys in the world with a sample size of 61,000. LASI
project is being conducted by International Institute for Population
Sciences, IIPS, (Deemed University), Mumbai which is an autonomous
organization under Ministry of Health and Family Welfare. In India, LASI
is to be undertaken by IIPS in collaboration with Harvard School of Pu
blic Health and Rand Corporation with the financial sponsorship from
Ministry of Health & Family Welfare, UN FPA India and National
Institute of Health (NIH)/National Institute of Ageing (NIA), USA. So
far an amount of Rs. 29.20 crore has been released under the
programme.
21. Rashtriya Swasthya Bima Yojana (RSBY): The
RSBY is a centrally sponsored scheme that was implemented by
Ministry of Labour & Employment since 2008, under the Unorganized
Workers' Social Security Act, 2008, to provide health insu rance
coverage to BPL families and 11 other categories of unorganized
workers. The Scheme has been transferred to Ministry of Health
& Family Welfare in 2015. Each family enrolled in the Scheme is
entitled to hospitalization benefits of upto Rs 30,000/- p.a. in
Government as well as empanelled private hospitals. Transportation
cost of Rs. 100/- per visit is also paid to the beneficiary family,
subject to maximum ceiling of Rs. 1000/- per year. Currently (2018-19),
12 States are implementing RSBY.
22. Senior Citizen Health Insurance Scheme (SCHIS):
This Scheme, being implemented since 2016, provides insurance cover to
senior citizens as a top-u p over the existing RSBY Scheme. This Scheme
provides an additional annual coverage of Rs. 30,000/ per senior
citizen in the eligible RSBY beneficiary family. SCH IS provides a
health insurance cover of Rs. 30,000 /- which is available to senior
citizens, in additional to the coverage of Rs. 30,000/- under RSBY. If
in any RSBY enrolled family, there are more than one senior citizen,
then the additional cover will be in multiple of Rs. 30,000/- per senior
citizen. 211 Treatment packages are covered u nder SCHIS, in addition
to 1516 packages under RSBY. Currently, 08 States, namely Himachal
Pradesh, Gujarat, Karnataka, Kerala, Meghalaya, Nagaland, Tripura and
West Bengal are implementi ng SCHIS. Arou nd 18 lakh families having
senior citizen (s) are covered under SCHIS as per available records.
23. Pradhan Mantri Jan Arogya Yojana (PMJAY):
In March 2018, Ministry of Health and Family Welfare, Government of
India has approved the launch of Ayushman Bharat PMJAY during 2018-19
to cover over 10 crore poor and vulnerable families (approx. 50 crore
beneficiaries) providing coverage upto Rs. 5 lakh per family per year
for secondary and tertiary hospitalization. PMJAY has been launched on
z3rct September 2018. With the launch of the PMJAY, RSBY and SCHIS will
be subsumed in it. All enrolled beneficiary families of RSBY and SCHIS
are entitled for benefits under PMJAY.
24. Concessions in Telephone connections. Bharat Sanchar Nigam Limited (BSNL),
under Ministry of Communications, has reported that Senior Citizens of
the age of 65 years and above are exempted from Payment of
registration charges for Landline Telephone Connection. Further, Mahanagar Telephone Nigam Ltd. (MTNL),
under Ministry of Communications, provides concession of 25% in
installation/activation charges and monthly services/rental charges for
Landline connections under Plan-250 in Senior Citizens Category, to
Senior Citizens who are more than 65 years of age.
25. Concession in Air Fare and other amenities.
In order to facilitate the passengers, particularly senior citizens,
expectant mothers, passengers with disability, first time
travellers etc., Ministry of Civil Aviation has instructed all the
stakeholders to ensure that the following requirements are complied:-
- Airline /airport operator shall ensure provision of automated buggies free of charge for all senior citizens, in the terminal building to facilitate their access to boarding gates located beyond reasonable walking distance at all airports having annual aircraft movements of 50,000 or more. This facility may be extended to other needy passengers on demand basis free of charge.
- Airport operators shall provide small trolleys after security check for carriage of hand baggage (permitted as per regulation) up to the boarding gate.
- Airport operator shall adequately display information regarding availability of automated buggies and small trolleys in the terminal building at prominent locations including dos and don'ts regarding the same. This shall also be published on the website of the airport operator.
- Further, Air India offers 50% discount to senior citizens on the highest economy class Basic Fare. The discount is offered to those who have completed 60 years of age on the date of commencement of journey .
- Senior citizens can also avail multi-level fares offered by Air India on each sector for travel on domestic sectors, starting from a low level advance purchase fares which facilitate early selling to the highest one.
26. Elder friendly environment. Ministry
of Housing and Urban Affairs, Department of Urban Development has
issued the Model Building Bye Laws, 2016 (MBBL) which under chapter 8
prescribes standards for creation of elder friendly barrier free environment with
reference to buildings, toilets etc. Urban Local Bodies shall implement
the Policy by adopting the Model Building Bye Laws, 2016. The
Department has issued 'Harmonised Guidelines and Space Standards for
Barrier-Free Built Environment for persons with Disability and Elderly
Persons' in 2016. These Guidelines intend to address the needs of
persons with disabilities and elderly persons with a wide range of
accessibility elements and standards and not limited to disabilities
only, thus paving the way for universally accessible and inclusive
India.
Under Urban Bus Specification-II issued in 2013, the emphasis on buses
financed by the Department of Urban Development is on procurement of
low floor buses with proper ramps for easy access of the passengers and
proper space for wheel chair to be placed in the bus for the benefit of
disabled persons and senior citizens.
All metro rail projects implemented/ under implementation in the country
are having disabled and elder friendly infrastructure such as proper ramps/lifts to the stations, level boarding the alighting of passengers etc. There is a provision of reservation of seats in metro rail coaches for the differently-abled persons and senior citizens.
Housing for All (Urban) Mission/Pradhan Mantri Awas Yojana was approved
by the Government of India on 17th June 2015 and launched on 25th June,
2015. The Mission Guidelines have been circulated to State/UTs to meet
the demand of housing in their States/ UTs. In Para 4.8.10 in
PMAY-HFA(U) Guidelines, it has, inter alia, been incorporated
that-'while making the allotment, families with senior citizens should
be given priority for allotment on ground floor or lower floors'.
27. Home for Widows. The
Ministry of Women and Child Development has constructed a Home for
Widows at Sunrakh Bangar, Vrindavan, Distt. Mathura, Uttar Pradesh, with
a capacity of 1000 widows to provide them safe and secure place to
stay, heal th services, nutritious food, legal and counseling
services. The new home for widows named as Krishna Kutir is constructed
on 1.424 hectare of land. The design of the Home is old age friendly
which consists of ground plus three floors with the facilities of
ramps, lifts, supply of adequate electricity, water and other amenities
for meeting the requirement of senior citizens and persons with special
challenges. The Home is fully funded by Central Government. The Home
was inaugurated on 31.8.2018. The Home is operational w.e.f. 01.09.2018
and managed by Govt. of Uttar Pradesh.
28. Medical facilities for Senior Citizens. Ministry of AYUSH has been providing the following facilities to senior citizens:
i. Free consultation and yoga therapy under Yoga and Naturopathy.
ii. OPDs are being provided in various Government Hospital at Delhi,
Haryana, Tripura, Kerala, Madhya Pradesh, Andhra Pradesh and Jharkhand.
iii. Free Yoga training at 50 Yoga Parks are being run through NGOs in various states of the country.
iv. In addition, other programmes such as Health Promotion Programme,
Yoga Therapy Programmes, Individual Yoga Therapy Sessions, Weekend
Yoga Training Program mes, Monthly Clinical Yoga Therapy Workshop are
also being imparted.
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