Deceased Claim Cases

BASIS OF SETTLEMENT Basis Amount Nomination No limit Legal evidence Discretion of Sanctioning authority Upto Rs one lakh for each group separately. Group---Amount of Savings +RD+TD+MIS Account Group---Amount of SCSS Account Group---Amount of PPF Account Group---Amount of NSC+KVP

Types of Legal evidence Probate of Will Succession certificate Letters of Administration

WILL It is a legal declaration of the intention of a testator(who makes the will) with regards to its property (movable & immovable)which he desires to be carried into effect after his death. The will must be in writing except in case of Muslims. It is to be got attested by at least two witnesses. Registration of will is not compulsory.

Probate of Will It is a certificate granted by the competent Court with a certified copy of the Will to the effect that the Will is genuine and is indeed the last Will left behind the deceased Probate can be obtained by the testator during his life time or by his executor/beneficiary after death of testator . It cannot be granted to minor or unsound mind person

Succession certificate It is a certificate of succession of the properties of a person who has died without making a Will, issued by the competent civil Court. It is granted as per applicable law of inheritance.

Letters of Administration A letter from the Court appointing an administrator when there is no Will from the deceased Letters of administration with the will annexed may be granted to a beneficiary in respect of the whole estate when no executor appointed in the will or the executer died before the death of testator

New procedure- SB -One form for all three categories of claims- Nomination, legal evidence & cases of no nomination & no legal evidences -No separate sanction -No separate account closure form -All provided in the same form

Documents to be submitted in deceased claim cases Nomination Newly prescribed Claim application with two witnesses, ID & Address proof Death certificate in original Passbook/Savings certificates Legal evidence Death certificate in original (not necessary if date of death noted in legal evidence)

Documents to be submitted in deceased claim cases Without nomination & Legal evidence Claim application (SB 30) with two witnesses, ID & Address proof Pass book/Savings Certificates Death certificate -original or Photo copy(Which will be attested by the PM with original) -no further enquiry Affidavit Letter of Indemnity Letter of disclaimer on Affidavit as prescribed in SCSS-2004 Note:- No separate sanction will be issued, no account closure form will be required.

Handling of nomination & legal evidence cases Cases are immediately settled irrespective of the amount involved Claim is settled in favour of last surviving nominee/legal heirs On the death of the nominee, the claim will be settled in favour of legal heir of the deceased nominee Payment to the nominee/legal heirs absolves the post office from all future liability

Procedure for Settlement of cases -SB Claimant has to give two witnesses, ID & Address proof along with the claim form After acceptance of witnesses by PM, no further enquiry about genuineness of claimant. Forward the case where the account stands by service Insured post on the day of receipt On receipt Office where the accounts stands, will issue acknowledgement on the same day & settle it in seven days if in its powers otherwise forward to Sanctioning authority on the day of receipt by service Insured post. Every Administrative office will dispose off the case within 7 days of receipt All payments by crossed cheques only

Guidelines for Sanctioning authority Maintenance of deceased claim register Entry of claims in register/computer system and grant of receipt to the claimant Sanction of claim according to powers , after Verification of balances/maturity value of certificate till death, nomination particulars and court attachment/pledge status etc. Contd.

Guidelines for Sanctioning authority Balance of accounts means amount at the credit on the day of death of depositor including the interest accrued during the preceding month/year or table of RD Account Maturity value of certificates means face value and interest accrued upto completed half year/year till death If after settlement of claim, it is found that deceased depositor had more accounts/certificates, the further claim will be settled on the basis of all amounts noticed including sanctioned amounts. Contd.

Guidelines for Sanctioning authority Gazetted Postmaster (within his powers )will sanction all claims in respect of claims of saving Bank accounts for SOs in his account jurisdiction. Head Postmaster(non-Gazetted) will not sanction claims of SO Claims of SOs beyond the powers of SPM will be sanctioned by Divisional Head in case of Non-Gazetted HPM Admissibility of interest/bonus should be mentioned in sanction memo.

Sanction of claims - without nomination & legal evidence Sanctioning authority Amount Remarks SPM (Time scale) Rs. 1000/- Above Rs.1000/- claims will be sanctioned(within limit) Gazetted PM. Divisional /regional/circle Office. SPM(LSG) 2000/- Above Rs.2000/- claims will be sanctioned (within limit) Gazetted PM SPM/Dy.PM/ PM in HSG (All non-Gazetted) 5000/- Above Rs.5000/- claims of SO will be sanctioned (within limit) by Gazetted PM contd.

Sanction of claims - without nomination & legal evidence Sanctioning authority Amount Remarks Dy.PM/Sr.PM/Dy.CPM/ SPOs/Dy. SPOs(All Gazetted) Rs.20000/- Above Rs.20000/- claims will be sanctioned by Divisional /regional/circle office SSPOs/CPM Rs.50000/- Above Rs.50000/- claims will be sanctioned by regional/circle office Director Postal Services Rs.75000/- Above Rs.75000/- claims will be sanctioned by CPMG/PMG Chief PMG/PMG Rs.100000/- Above Rs.100000/- claims will be settled on the basis of legal evidence

Sanction of claims –Nomination Types of account Sanctioning authority Remarks Savings/TD All categories of SPM Upto limit of amount fixed for them Above the limit by Head Postmaster RD/MIS Single/ Double handed SPM Upto limit of amount fixed for them Triple handed and above offices –No limit Nil NSC/KVP All SPMs/PMs-No limit Contd.

Sanction of claims –legal evidence Types of account Sanctioning authority Remarks Savings/TD/RD/MIS All categories of SPM Upto limit of amount fixed for them Above the limit by Head Postmaster

Guidelines for payment of claims Scheme Treatment of account/certificates SB The claimant may not continue the account in his/her name RD The claimant may continue the account in his/her name till maturity of account TD contd.

Guidelines for payment of claims MIS The claimant cannot continue the account in his/her name till maturity. Bonus is allowed on completion of maturity period SCSS The claimant(if spouse only) may continue the account in his/her name till maturity, if he/she has no other SCSS account PPF The claimant cannot continue the account in his/her name till maturity.