Family Pension & Pre-1986 Ex-Gratia Benefits: A Complete Guide for PSGIC Employees

Understanding pension entitlements is important for PSGIC employees, their families, and eligible beneficiaries. This infographic presents a clear overview of two distinct financial benefits: Family Pension under GIEPS, 1995 and Pre-1986 Ex-Gratia Payment, helping beneficiaries understand eligibility, calculation methods, and applicable Dearness Relief (DR).

Under Family Pension, eligible legal spouses, children, dependent parents, and siblings of deceased PSGIC employees may receive benefits subject to the applicable provisions. The infographic explains the Basic Family Pension, calculated using Pay and Fixed Personal Allowance (FPA), along with the provision for an Enhanced Family Pension for the applicable period. It also highlights the DR rates applicable based on the employeeu2019s retirement date and provides an illustrative calculation.

The second section covers Pre-1986 Ex-Gratia Payments, applicable to employees who retired before 1 January 1986 and their surviving spouses. For August 2026u2013January 2027, the infographic highlights the applicable DR rate of 1560.43%, along with the corresponding monthly ex-gratia amounts for retirees and surviving spouses.

It further outlines the key differences between Family Pension and Pre-1986 Ex-Gratia benefits, including eligibility, calculation basis, and duration. Beneficiaries should retain relevant pension, death, identification, family, and bank documents and approach their respective PSGIC company for claim-related assistance.