The Punjab Government Employees Welfare Fund Ordinance, 1969 THE *(PUNJAB) GOVERNMENT EMPLOYEES

The Punjab Government Employees Welfare Fund Ordinance, 1969
THE *(PUNJAB) GOVERNMENT EMPLOYEES
Welfare Fund Ordinance, 1969 (W.P.Ord. 1 of 1969) 18th March 1969
An ordinance to establish a Welfare Fund for the relief and security of the employees of *(the Punjab) Government and their families.
Preamble–Whereas, it is expedient to establish Welfare Fund for the relief and security of the employees of the *(Punjab) Government and their families;
And Whereas the Provincial Assembly of *(the Punjab) is not in session and the Governor of *(the Punjab) is satisfied that circumstances exist which render immediate legislation necessary;
Now, therefore, in exercise of the powers conferred on him by clause (I) of Article 79 of the Constitution, the Governor of *(the Punjab) is pleased to make and promulgate the following Ordinance:
1. Short title, extent and commencement–(1) This Ordinance may be called the *(Punjab) Government Employees Welfare Fund Ordinance, 1969.
(2) It shall apply to all Government servants as hereinafter defined provided that Government may, by notification exempt any class of Government servants from the operation of this ordinance.
(3) It shall come into force on such date as Government may by notification, appoint in this behalf.
2. Definition – In this ordinance, unless the context otherwise require, the following expressions shall have the meanings hereby respectively assigned to them:
(a) “family” in relation to a Government servant means his or her –
i) wife or wives or husband, as the case may be;
ii) legitimate children and step children less than twelve years old;
iii) legitimate children and step children not less than twelve years old, if residing with and wholly dependent upon him or her; and
(iv) parents, sisters and minor brothers, if residing with and wholly dependent upon him or her;
(b) *“Gazetted Government Servant” means a Government servant holding a post in National Pay Scale 16 and above);
(c) “Government” means the **(Provincial Government of the Punjab);
*Substituted for the words “West Pakistan” vide Punjab Laws (Adaptation), Order, 1974.
*Substituted by the ‘Punjab Government Employees Welfare Fund (Amendment) Ordinance, 1980’, given effect from 1st July 1979.
**Substituted for the words “Government of West Pakistan” vide Punjab Laws (Adaptation) Order, 1974.
(d) “Government servant” means a person who is a member of a civil service of the Province of ♣(the Punjab) or who holds any civil post in connection with the affairs of the province, but does not include a member of an All–Pakistan Service;
(e) “non–gazetted Government servant” means a Government servant other than Gazetted Government servant;
(f) “Prescribed” means prescribed by rules made under this Ordinance;
(g) “rules” means rule made under this Ordinance;
(h) “Welfare Fund” means the Welfare fund established under this Ordinance.
3. Welfare Fund – (1) There shall be established a fund to be called the*** (Punjab) Employees Welfare Fund.
(2) To the credit of the Fund shall be placed:
(a) all contributions received under section 6 from Government servants;
(b) the contributions made to the Fund by Government, the Government servants Benevolent Fund or the Police Welfare Fund; and
(c) any interest or profit accruing on such contributions.
(3) The Welfare Fund shall be divided into two parts; Part–I for gazetted Government servants and Part–II for non–gazetted Government servants and each such part shall be maintained and administered separately in accordance with the provisions of this Ordinance.
(4) The contribution from gazetted Government servants received under section 6 shall be credited into Part–I of the Welfare Fund and the contributions received from non–gazetted Government servants shall be credited into Part–II of the Fund.
(5) The moneys credited into the Welfare Fund shall be kept in such bank or banks as may be prescribed.
(6) The Welfare Fund shall be utilized for meeting the expenses on arrangements to be made with an insurance company or other insurer for the insurance of Government servants.
(7) any sums remaining in the Welfare Fund after defraying the expenses referred to in sub–section (6) may be utilized for such benefits to Government servants and their families as may be prescribed.
4. Constitutions and powers of the Welfare Board – (1) As soon as may be, Government shall constitute the following Welfare Boards, namely:
(a) the Provincial Welfare Board (Gazetted);
(b) the Provincial Welfare Board (Non–Gazetted); and
(c) a Divisional Welfare Board for each Division.
♣Substituted for the words “West Pakistan” vide Punjab Laws (Adaptation) Order, 1974.
***Substituted for the words “West Pakistan” vide Punjab Laws (Adaptation) Order, 1974.
(2) Part–I of the Welfare Fund shall vest in the Provincial Welfare Board (Gazetted), and Part–II of the Welfare Fund shall vest in the provincial Welfare Board (Non–gazetted), and each of the said Boards shall administer the part of the Welfare Fund vesting in it in such manner as may be prescribed.
(3) Subject to such rules as may be made in this behalf and to such directions as may be issued by Government, the Provincial Welfare Boards:
(a) shall from time to time, arrange for the insurance of the Government servants with which they are concerned in the sums specified in the Schedule with such insurance company or other insurer as it deems fit;
(b) shall have the power to sanction expenditure connected with the administration and management of that part of the Welfare Fund which vests in them; and
(c) may do or cause to be done all the things ancillary or incidental to any of the aforesaid powers or to the purposes of the Welfare Fund.
(4) The Divisional Welfare Board shall exercise such powers and perform such functions in relation to Part–II of the Welfare Fund as may be prescribed or as may be delegated to them by the Provincial Welfare Board (Non–Gazetted).
5. ♦(1) The arrangement to be made with an insurance company or other insurer under clause (a) of sub–section (3) of section 4 shall be to the effect that on the death *(caused due to any reason other than war, invasion or civil war), of a Government servant of the class specified in column 1 of the Schedule, the sum specified against that class of Government servant in column 2 of the Schedule be paid:
(a) to such member or members of his family as he may have nominated for the purpose, in full or in the shares specified by him at the time of making the nomination; and
(b) where no valid nomination by the Government servant exists at the time of his death, the sum assured shall be paid to his family, and in the absence of a family, to his surviving relatives, if any, in the manner and in the shares in which the gratuity of deceased Government servant is payable under the **(West Pakistan) Pension Rules, as in force for the time being. ♥(2) Where death of a Government servant is caused as a result of war, invasion or civil war, the sum, as specified in column 2 of the Schedule shall be paid by Government in the same manner as is provided in clauses (a) and (b) of sub–section (1).
♦The existing Section 5 was renumbered as sub-section (1) vide the West Pakistan Government Employees Welfare Fund (Punjab) Amendment) Act, 1975.
*Inserted vide the West Pakistan Employees Welfare Fund (Punjab Amendment) Act, 1975.
**The words “West Pakistan” deleted by Punjab Laws (Adaptation) Order, 1975.
♥Sub-section (2) was added vide the West Pakistan Government Employees Welfare Fund (Punjab Amendment) Act, 1975.
6. Payment of contribution – (1) Every Government servant shall be liable to pay to the Welfare Fund as his contribution such sum of money as may be prescribed, the amount of such contribution shall, as far as possible, be deducted at the source from his pay and credited or remitted to the Welfare Fund.
(2) Where the contribution cannot for any reason be deducted from the pay of the Government servant, he shall remit to the prescribed officer, the amount of the contribution payable by him.
(3) Any contribution remaining unpaid due to inadvertence or negligence of the Government servant or otherwise shall be recoverable from him together with interest.
7. Government may make rules for the purposes of giving effect to all or any of the provisions of this ordinance.

SCHEDULE
(See Sections 4 and 5)
The sums in which various classes of Government servants are to be insured:
___________________________________________________________________
Class of Government servant Sum assured
___________________________________________________________________
1 2
Rs.
*NPS 1 to 4 7,500.00
NPS 5 to 10 10,000.00
NPS 11 to 15 20,000.00
NPS 16 to 17 30,000.00
NPS 18 50,000.00
NPS 19 80,000.00
NPS 20 and above 1,00,000.00
*Substituted vide the Punjab Government Employees Welfare Fund (Amendment) Ordinance, 1980 which was given effect from 1st July 1979.
GOVERNMENT OF ♣[WEST PAKISTAN] PUNJAB
FINANCE DEPARTMENT
NOTIFICATION
The 3rd September 1969
No.FD–BI–32(2)/69– In exercise of the powers conferred by section 7 of the West Pakistan Punjab Employees Welfare Fund Ordinance, 1969 (West Pakistan Ordinance 1 of 1969), the Government of the West Pakistan Punjab is pleased to make the following rules, namely:
1. (1) These rules may be called the West Pakistan Punjab Government Employees Welfare Fund Rules, 1969.
(2) They shall be deemed to have come into force on the 19th day of March, 1969.
2. In these rules unless the context otherwise requires, the following expressions shall have the meanings hereby respectively assigned to them, that is to say:
(a) “Board” means the Provincial Welfare Board (Gazetted) the Provincial Welfare Board (Non–Gazetted) or the Divisional Welfare Board, as the case may be, as constituted under sub–section (1) of section 4 of the ordinance;
(b) “Ordinance” means the West Pakistan Punjab Employees Welfare Fund Ordinance, 1969;
(c) “Pay” means the amount drawn monthly by a Government servant as–
i) the pay which has been sanctioned for a post held by him/her substantively or in an officiating capacity or to which he/she is entitled by reason of his/her position in a cadre;
ii) overseas pay, technical pay, personal pay and special pay; and
iii) any other emolument which may specifically be classed as pay by the competent authority.
3. Every Government servant under the age of sixty years shall be assured the sum specified in the Schedule to the Ordinance in respect of the class to which he belongs.
4. For the purposes of these rules, and the insurance of Government servants under the Ordinance:
(a) A Gazetted Government servant shall be deemed to be as Class–I Officer, if he is either classified as Class–I Officer by Government or
♣Substituted for the words “West Pakistan” vide Punjab Laws (Adaptation) Order, 1974, wherever occurs.
an Authority empowered in this behalf by Government or if he has not been so classified, the scale of pay drawn by him is identical with the pay scale of a Class–I Officer. All other Gazetted Government servants in regular employment shall be deemed to be Class–II Officers.
(b) a non–Gazetted Government servant shall be deemed to be a Class–III Government servant, if he is either so classified by the Government or an Authority empowered in this behalf by Government or if he has not been so classified the scale of pay drawn by him is identical with the pay of a Class–III Employee. All other non–Gazetted Government servants in regular employment shall be deemed to be Class–IV Government servants.
*5. Every Government Servant drawing pay in Basic Pay Scale No. 5 and above shall be liable to contribute towards the Welfare Fund per annum a sum of **Rs.3.65 (rupees three and paisa sixty five) per thousand rupees of the sum in which he is insured.
6. Contribution to the Welfare Fund shall be made –
(i) in the case of a Gazetted Government servant by deduction of the amount of contribution from his/ her pay bill.
(ii) in the case of a Non–Gazetted Government servant, by deduction of the amount of contribution by the Drawing Officer from his/her pay bill.
7. (1) Where a Government servant is transferred to foreign service he/she shall continue to be governed by these rules in the same manner as if he/she was so transferred and his/her contribution to the Welfare Fund during such period shall be remitted by him/her to the Audit Officer in whose jurisdiction he/she was serving immediately before he/she was so transferred.
(2) If for any reason contribution to the Welfare Fund has not been deducted from the pay of a Government servant, or paid in the manner provided in sub–rule (1), the same shall, in lump sum, be –
(a) deducted from his/her subsequent pay bill; or
(b) remitted to the Audit Officer in whose jurisdiction he/she was last serving or to the Head of the Department under whom he/she is serving and who shall then take action as provided in rule 13.
8. Notwithstanding the fact that a Government servant may have at different times belonged to different classes of Government servants, the assured sum to be paid on his death to the member or members of his family nominated by him/her in this behalf or the other persons specified in section 5 of Ordinance, shall be the sum specified in the Schedule to the ordinance, in respect of the class to which he belonged immediately before his death.
*Substituted vide Notification No. SOWF-III(S&GAD) 3 (3)/74 dated 24.12.1984.
**The rate of contribution was reduced to Rs. 3.60 vide circular No. SOWF.III (S&GAD)3-1/87 dated 9th July 1987. 
9. If a Government servant, for any reason whatsoever, quits Government service or is discharged or dismissed from service, or his services are terminated, he/she shall neither be entitled to any benefit from the Welfare Fund, nor to any claim for the refund of the contributions made by him/her towards the said Fund during the period of his/her service.
10. Within three months of the coming into force of these rules –
(a) every Gazetted Government servant below sixty years of age nominate, in the form set out in Annexure “A” a member of his/her family to whom he desires the sum assured to be paid in the event of his/her death, specifying in case the sum assured to be paid to more than one member of his/her family, the proportion in which such sum is to be paid to them, and forward the same direct to the Insurance Company concerned, whereupon the Insurance Company concerned, shall assign a nomination number to him and furnish a receipt thereof for the record of the Government servant; and
(b) the Head of Office or the Head of Department concerned shall obtain from every non–Gazetted Government servant working under him who is below sixty years of age, two copies of the nomination, in the form set out in Annexure “A” duly filled in and complete in all respects and place the same in the service book of the assured person concerned.
11. Claims under these rules shall become payable only upon submission by the Head of Office or the Head of Department concerned to the Insurance Company of –
(i) a certificate in the form set out in Annexure “B” or “C” as the case may be certifying the death of the Government servant concerned and indicated the class of Government servant to which such Government servant belonged immediately before his/her death;
(ii) where the deceased was a Non–Gazetted Government servant, one copy of the nomination form referred to in clause (b) of sub–rule (I) of rule 10; and
(iii) where no valid nomination under rule 10 subsists in respect of a Government servant at the time of his death, a certificate specifying the name of the members of his family, and in the absence of any member of his family, the names of his surviving relatives to whom the sum assured is payable under the provision of clause (b) of sub section (1) of section 5 of the Ordinance, and the shares in which the sum is payable to them.
12. (1) On receipt of the documents referred to in rule 11, the Insurance Company concerned shall make immediate arrangements for the payment of the sum assured, depending on the class to which such assured person belonged, in the manner provided in section 5 of the Ordinance.
(2) In case the nominee is a minor, the Government servant shall nominate one or more person through whom the payment of the share/amount of the minor shall be paid by the Insurance Company.
(3) A Government servant may, at any time, cancel a nomination by sending a notice in writing to the appropriate authority and may also send a fresh nomination along with such notice.
(4) If the nomination relates only to a part of the total sum assured, the part to which it does not relate shall in the event of his/her death, be distributed in accordance with the provisions of clause (b) of section 5 of the Ordinance.
13. (1) All contribution made under these rules shall be credited into the Welfare Fund in the minor head “West Pakistan Punjab Government Employees Welfare Fund”.
(2) There shall be two sub–heads under the minor head referred to in sub–rule (1) above one sub–head for Part–I of the Fund and the other for Part–II of the Fund.
14. The contribution towards the Welfare Fund shall be checked by the Audit Offices concerned in the case of payments made at Lahore, Karachi and Peshawar and by the Treasury Officer concerned in the case of payments made in their respective districts.
15. (1) There shall be held at least one meeting of each Board in every three months period.
(2) A special meeting of the Board may however, be called by the Chairman whenever he so considers necessary.
(3) The Chairman and any two members of the Board shall form the quorum at the meeting.
(4) Decisions by the Board shall be taken by majority of votes. In case of equality of votes, the Chairman shall have a second or casting vote.
(5) The Chairman may appoint one of the members as Secretary to the Board.
(6) All decisions of the Board shall be recorded in writing by Secretary and in his absence by such other member of the Board as may be authorized in this behalf by the Chairman.
(7) Subject to the general supervision and control of the Chairman, the Secretary shall be responsible for:
i) the conduct of correspondence on behalf of the Board;
ii) the maintenance of the records of the Board;
iii) the disbursement of money from the Fund;
iv) the maintenance of the accounts;
v) preparation of the agenda of the meeting of the Board and giving advance notice of such meeting to the members of the Board;
vi) performance of such other functions as may be specified by the Chairman.
16. The Board may make to a Government servant, who has retired from service or has completed the age of sixty years, such grants out of the Welfare Fund, not exceeding rupees two thousands as it may consider appropriate or feasible.
17. Members of the Provincial Welfare Board (Gazetted), Provincial Welfare Board (Non–Gazetted) and Divisional Welfare Board shall not be entitled to any remuneration.
18. All moneys credited into the Welfare Fund shall be kept in the Government treasury in the name of the Chairman of the Provincial Welfare Board (Gazetted) and the Provincial Welfare Board (Non–Gazetted), as the case may be.
19. Any amount required to be drawn from the Welfare Fund shall be drawn by submitting to the Accountant–General, West Pakistan Punjab bills which shall be signed by the Chairman of the Provincial Welfare Board (Gazetted) or the Provincial Welfare Board (Non–Gazetted), as the case may be, Provided that if the amount, to be drawn exceeds one lack of rupees, the cheque shall be signed by the Chairman and another member of the Board.
20. The account of the contributions made to the Funds shall be maintained by the Audit Officer of the area in whose jurisdiction the Government servant is serving.
21. The account of the Welfare Fund shall be kept in rupees and all payments from it shall be made in rupees.
ANNEXURE “A”
FORM OF NOMINATION
I, _________________ son/daughter/wife of _________________the _________ Department of Government of the Punjab hereby nominate the person/persons mentioned below, who is/are member/members of my family as defined in the Government of the Punjab Employees Welfare Fund Rules, 1969 to receive the assured sum in the event of my death under the Group Term Life Insurance Scheme:
________________________________________________________________
Name and Relationship Age Proportion of If the nominee
address the amount to is minor, name
of be paid of the person or
Nominee persons to whom
payments to be
made on his/her
behalf
________________________________________________________________
Dated the ___________________day of________________20 ___
Attested by
Signature and Seal
_________________
_________________
Signature of Subscriber
Seal of Office
___________________________________________________________________
The Signature of the subscriber should be attested by Class–I officer who should affix his seal of office below his signature.
Punjab Estacode 2013
Page :80
ANNEXURE “B”
(GAZETTED)
GOVERNMENT OF THE PUNJAB
_________________DEPARTMENT/OFFICE
Dated _______________
To
__________________________
(Address of the Insurance Co.)
Dear Sirs,
Claim No._______________________________________________
GROUP INSURANCE SCHEME FOR THE EMPLOYEES OF
THE GOVERNMENT OF THE PUNJAB
With reference to the above noted Scheme, I have to report that Mr/Mrs/Miss_________________ who was working as ___________________ Aged _____________Years, died on________________due to _________________
(state age at death) (state age at death) (cause of death)
It is, therefore, requested that the payment of Rs._____ (Rupees____________ only, the amount for which the deceased was covered, may be made in favour of the nominee/nominees.
It is hereby certified:
(1) That the necessary premium has been paid.
(2) That at the time of the death the deceases was a class _________employee.
(3) That the deceased was getting the pay in BS. No._________
(4) The deceased died during service in case of retirement,
exact date of retirement________________________
Yours faithfully,
Head of Office/Department
(with official seal)
ANNEXURE “C”
(NON–GAZETTED)
GOVERNMENT OF THE PUNJAB
_________________DEPARTMENT/OFFICE
Dated _______________
To
__________________________
(Address of the Insurance Co.)
Dear Sirs,
Claim No._______________________________________________
GROUP INSURANCE SCHEME FOR THE EMPLOYEES OF
THE GOVERNMENT OF THE PUNJAB
With reference to the above noted Scheme, I have to report that Mr/Mrs/Miss_________________ who was working as ___________________ Aged _____________Years, died on________________due to _________________
(state age at death) (state age at death) (cause of death)
It is, therefore, requested that the payment of Rs._____ (Rupees____________ only, the amount for which the deceased was covered, may be made to the nominee/nominees. A copy of nomination from his/her service record is enclosed.
It is hereby certified:
(1) That the necessary premium has been paid.
(2) That at the time of the death the deceases was a class _________employee.
(3) That the deceased was getting the pay in BS. No._________
(4) The deceased died during service in case of retirement,
exact date of retirement________________________
Yours faithfully,
Head of Office/Department
(with official seal)
ANCILLARY
INSTRUCTIONS
THE PUNJAB GOVERNMENT EMPLOYEES WELFARE FUND RULES, 1969
Miscellaneous
Page:83
NO.SOF III (S&GAD)3–3/74
Dated the 13th August 1979
Subject: REVISION OF SUM ASSURED UNDER GROUP INSURANCE
SCHEME AND BENEVOLENT FUND CONTRIBUTION
For sometime past revision of sum assured under Group Insurance Scheme and other benefits have been under the consideration of the Government. Finally on the recommendation of a high level Committee, the Governor has been pleased to approve of the following:
GROUP INSURANCE SCHEME
(A) (i) Sums assured of different categories of Government Servants have been increased as under:
____________________________________________________________
Category of Govt. Sum Annual premium
Servants Assured (Rs.3.00 per thousand
per annum.
____________________________________________________________
NPS 1 to 4 7,500.00 22.50
NPS 5 to 10 10,000.00 30.00
NPS 11 to 15 20,000.00 60.00
NPS 16 to 17 30,000.00 90.00
NPS 18 50,000.00 150.00
NPS 19 80,000.00 240.00
NPS 20 and above 1,00,000.00 300.00
(ii) The premium of Government servants in NPS 1 to 4 shall be contributed by the Government and remaining categories of Government servants shall pay their premium at three rupees per thousand per annum.
iii) Re–employed Government servants shall also be covered by Group Insurance scheme up to the age of 62 years on regular payment of premium according to their category.
BENEVOLENT FUND
(B) (i) Monthly aid to widow children is increased from Rs.300/– per month to Rs.500/– per month under Part–I (Gazetted).
(ii) Monthly aid to widow children is increased from Rs.150/– to Rs.250/– per month under Part–II (Non–Gazetted).
(iii) The benefits of marriage grant are extended to retired deceased Government servants subject to the condition that the grant will be admissible to two daughters only at the rate of Rs.500/– each.
(iv) In order to meet the increase in expenditure the rate of contribution from Government servants is increased from 1% to 2% in case of Government employees in Grade 5 and above. The rate of contribution in case of employees in NPS–1 to 4 remain un–changed and they will continue to contribute at 1 % of their pay.
2. The Punjab Employees Welfare Fund Ordinance 1969 and the Punjab Government Servants Benevolent Fund Ordinance 1960 and rules made hereunder are being amended simultaneously.
3. New rates will be effective from 1st July 1979.
NO.SOWF.III(S&GAD)3–3/74.
Dated the 23rd August 1984
Subject: RATE OR PREMIUM IN RESPECT OF GROUP TERM
INSURANCE SCHEME
I am directed to refer to this Department’s circular letter of even number, dated 13.08.1979 relating to the subject noted above and to state that the rate of premium for Group Insurance Scheme, which was fixed at Rs. 3/– per thousand sum assured per annum on 01.07.1979 has now been increased and fixed at Rs. 3.65 per thousand sum assured per annum with effect from 01.07.1984.
2. The annual and monthly rates of premia for different categories of employees with effect from 01.07.1984 will be as under:
_________________________________________________
Category of Sum Annual Monthly
Govt. Servants Assured premia deduction
_________________________________________________
BS 1 to 4 7,500.00 27.37 2.28
BS t to 10 10,000.00 36.50 3.04
BS 11 to 15 20,000.00 73.00 6.08
BS 16 to 17 30,000.00 109.50 9.12
BS 18 50,000.00 182.50 15.20
BS 19 80,000.00 292.00 24.33
BS 20 & above 100,000.00 365.00 30.41
3. The balance of premia that may remain unpaid at the above monthly deduction may all be paid and adjusted in the last month of the year.
4. The premium of the employees in BS–1 to 4 shall be paid by the Government as usual.
5. You are requested to issue instructions to all Drawing and Disbursing Officers of your Department to ensure that, while passing the pay bills of the employees working under them, deduction of Group Insurance Premia is made according to new rates.
6. The Punjab Employees Welfare Fund Rules, 1969 are being amended separately to the extent of modification in the rate of premium
NO.SOWF.III(S&GAD)3–1/87
Dated the 9th July 1987
Subject: RATE OR PREMIUM IN RESPECT OF GROUP TERM
INSURANCE SCHEME
I am directed to refer to this Department’s circular letter No. SOWF.III (S&GAD)3–3/74, dated 23.08.1984 relating to the subject noted above and to state that the rate of premium for Group Insurance Scheme, which was fixed at Rs. 3.65 per thousand sum assured per annum on 01.07.1984 has now been decreased and fixed at Rs. 3.60 per thousand sum assured per annum with effect from 01.07.1987.
2. The annual and monthly rates of premia for different categories of employees w.e.f 01.07.1987 will be as under:
___________________________________________________________________
Category of Sum Annual Monthly
Govt. Servants. Assured premia deduction
___________________________________________________________________
BS 1 to 4 7,500.00 27.00 2.25
BS 5 to 10 10,000.00 36.00 3.00
BS 11 to 15 20,000.00 72.00 6.00
BS 16 to 17 30,000.00 108.00 9.00
BS 18 50,000.00 180.00 15.00
BS 19 80,000.00 288.00 24.00
BS 20 & above 100,000.00 360.00 30.00
3. The premium of the employees in BS–1 to 4 shall be paid by the Government as usual.
4. You are requested to issue instructions to all Drawing and Disbursing Officers of your Department to ensure that, while passing the pay bills of the employees working under them, deduction of Group Insurance Premia is made according to new rates.
5. The Punjab Government Employees Welfare Fund Rules, 1969 are being amended separately to the extent of modification in the rate of premium.
NO.SOWF.III(S&GAD)3(2)72
Dated the 20th August 1990
Subject: FEDERAL INSURANCE FEE
I am directed to refer to the subject noted above.
2. As notified in the Finance Act, 1989 (V of 1989) (copy enclosed) the Federal Government has levied, the Federal Insurance Fee to be charged from all the Government employees at the rate of 1% of the premium paid on all types of insurance. Accordingly the Provincial Government has decided to levy the Federal Insurance Fee from their employees w.e.f. 01.07.1989 at the rate of 1%. 
3. Government is paying premium of Group Insurance for its employees in BS–1 to BS–4, therefore, deductions of Federal Insurance Fee from their pay bill will not be needed. However, the deduction of Federal Insurance Fee will be made from the pay bills of the employees in BS–5 and above on the total Group Insurance premium paid during 12th Calendar month at the rate of 1% in the month of June paid in July. This may kindly be notified to all Government Servants in BS–5 and above for information.
NO. SOWF.III(S&GAD)3–8/90
Dated the 25th November 1990
Notification
In exercise of the powers conferred on him under Section 4 (1) of the Punjab Government Employees Welfare Fund Ordinance, 1969 (1 of 1969) and in supersession of the Government of West Pakistan Punjab Finance Department’s Notification No. BI–32 (3)/69, dated 19th March 1990, the Governor of the Punjab is pleased to constitute the following Welfare Boards; namely:
a) PROVINCIAL WELFARE BOARD (GAZETTED)
1. Secretary to Govt. of the Punjab, Chairman
Finance Department
2. Secretary to Govt. of the Punjab, Member
Law & Parliamentary Affairs Deptt.
3. Addl. Secretary (Budget), Govt. of the Member
Punjab Finance Department.
4. Economic Advisor (BF).Deputy Member/
Secretary (Fund), S&GAD. Secretary
b) PROVINCIAL WELFARE BOARD (NON–GAZETTED)
1. Secretary to Govt. of the Punjab, Chairman
Finance Department
2. Secretary to Govt. of the Punjab, Member
Law & Parliamentary Affairs Department
3. Addl. Secretary (Budget), Govt. of the Member
Punjab, Finance Department.
4. Economic Advisor (BF).Deputy Member/
Secretary (Fund), S&GAD. Secretary
NO. SOWF.III(S&GAD)6–1/96 (P)Enh–85
Dated the 28th January 1997
Subject: ENHANCEMENT OF SUM ASSURED IN RESPECT OF GROUP TERM
INSURANCE SCHEME AND COVERAGE FOR FIVE YEARS AFTER
RETIREMENT OF GOVERNMENT SERVANT
I am directed to state that the Punjab Government Employees Welfare Funds Ordinance has been amended vide Government of Punjab Law and Parliamentary Affairs Department Notification No. Legis.3(v)97 dated 22nd January 1997 with effect from 01.09.1996.
2. Apart from the enhancement of the sum assured the coverage shall also be extended to five years after retirement of Government Servant without requiring the retired Government servant to pay premium after his retirement.
3. The revised sum assured annual and monthly rates of premium for different categories of employees shall be as follows with effect from 01.09.1996.
BPS
Sum Assured
Annual Premium
Monthly Premium
1–4 Rs. 30000        Rs. 109.50
Rs. 9.13 
5–10
Rs. 35000
Rs. 127.75
Rs. 10.65
11–15
Rs. 60000
Rs. 219.50
Rs. 18.25
16
Rs. 90000
Rs. 328.00
Rs. 27.38
17
Rs. 120000
Rs. 438.00
Rs. 36.50
18
Rs. 175000
Rs. 638.00
Rs. 53.22
19
Rs. 210000
Rs. 766.50
Rs. 63.87
20
Rs. 250000
Rs. 912.50
Rs. 76.04
As regards the Government Employees in BS–1–4 the premium of Rs. 2.28 per employees per month will be paid by the Government and the balance of premium of Rs. 6.85 per month shall be deducted form their monthly salary.
4. You are requested to issue instructions to all drawing and disbursing officers of your Department to ensure that while passing the pay bill of the employees working under them deduction of Group Insurance premium is made according to new rates with effect from 01.09.1996. The arrears of balance premium for the period for the month of September 1996 to January 1997 may be deducted in installments within next three months.
5. The Department Heads are requested to ensure that apart from the cases of death during service claim of retired Government Servants may also be lodged with State Life Insurance Corporation of Pakistan in case death occurs within five years after retirement.
NO. SOWF.III(S&GAD)6–1/96 (P)Enh–86
Dated the 28th January 1997
Subject: AMENDMENT OF SECTION 5 OF ORDINANCE 1 OF 1969
I am directed to state that the Punjab Government Employees Welfare Funds Ordinance 1969 has been amended vide Government of Punjab Law and Parliamentary Affairs Department Notification No. Legis.3(xiv)/96 dated 06.11.1996 with effect from 06.11.1996.
2. According to this amendment if a Government Servant dies without having a valid nomination for Group Insurance and without being survived by any family member of surviving relative, the amount of his/her Group Insurance will be paid to his legal heirs i.e. to the person/s in whose favour the succession certificate is issued by the competent court of law.
3. You are requested to issue instruction conveying this amendment to all the offices of your department.
NO. AS (Funds) S&GAD (G.I)–1/2002
Dated the 5th October 2002
Subject: ENHANCEMENT OF SUM ASSURED IN RESPECT OF GROUP TERM
INSURANCE SCHEME AND COVERAGE FOR FIVE YEARS AFTER
RETIREMENT
I am directed to state that the Punjab Government Employees Welfare Funds Ordinance has been amended vide Government of Punjab Law and Parliamentary Affairs Department Notification No. Legis.13–22/91 dated 23rd September 2002 with effect from 01.07.2002.
2. Apart from the enhancement of the sum assured the coverage shall continue to remain extended to five years after retirement of Government Servant without requiring them to pay premium after retirement. The Government Servants retiring on or after 01.07.2002 shall be covered for the revised enhanced sums, while Government Servants who retired on or before 30.06.2002 shall be covered for the previous sums assured.
3. With effect from 01.07.2002 the annual and monthly rates of premium for the revised assured sums, in respect of different categories of employees of the Punjab Government shall be as follows:
BPS
Sum Assured
Annual Premium
Monthly Premium
1–4
Rs. 120000
Rs. 450
Rs. 37.50
5–10
Rs. 140000
Rs. 525
Rs. 43.75
11–15
Rs. 240000
Rs. 900
Rs. 75.00
16
Rs. 360000
Rs. 1350
Rs. 112.50
17
Rs. 480000
Rs. 1800
Rs. 150.00
18
Rs. 700000
Rs. 2625
Rs. 218.75
19
Rs. 840000
Rs. 3150
Rs. 262.50
20 & above
Rs. 1000000
Rs. 3750
Rs. 312.50
As regards the Government Employees in BS–1–4, 1/4th of total premium (i.e. Rs. 9.37 per employee per month) will be paid by the Government and the balance of premium of Rs. 28.13 per month shall be deducted form their monthly salaries.
4. You are requested to issue instructions to all drawing and disbursing officers of your Department to ensure that while passing the pay bills of the employees working under them deduction of Group Insurance premium is made according to new rates with effect from 01.07.2002. The arrears of balance premium from the month of July, 2002 to September, 2002 may be deducted in installments within next four months.
5. The Department Heads are requested to ensure that apart from the cases of death during service, claim of retired Government Servants may also be lodged with State Life Insurance Corporation of Pakistan in case death occurs within five years after retirement.
NO. Secy (Funds) S&GAD/GI/1–2/2008
Dated the 6th February 2008
Subject: ENHANCEMENT OF SUM ASSURED IN RESPECT OF GROUP TERM
INSURANCE SCHEME AND COVERAGE FOR FIVE YEARS AFTER
RETIREMENT
I am directed to state that the Punjab Government Employees Welfare Fund Ordinance has been amended vide Government of Punjab Law and Parliamentary Affairs Department Notification No. Legis.13–73/2007 dated 17.11.2007 with effect from 01.07.2007.
2. Apart from the enhancement of the sum assured the coverage shall continue to remain extended to five years after retirement of Government Servant without requiring them to pay premium after retirement. The Government Servants retiring on or after 01.07.2007 shall be covered for the revised enhanced sums, while Government Servants who retired on or before 30.06.2007 shall be covered for the previous sums assured.
3. With effect from 01.07.2007 the annual and monthly rates of premium for the revised assured sums, in respect of different categories of employees of the Punjab Government shall be as follows:
BPS
Sum Assured
Annual Premium
Monthly Premium
1–4
Rs. 1,50,000
Rs. 719.00
Rs. 60.00
5–10
Rs. 1,75,000
Rs. 838.00
Rs. 70.00
11–15
Rs. 3,00,000
Rs. 1437.00
Rs. 120.00
16
Rs. 4,50,000
Rs. 2156.00
Rs. 180.00
17
Rs. 6,00,000
Rs. 2874.00
Rs. 240.00
18
Rs. 8,75,0000
Rs. 4191.00
Rs. 349.00
19
Rs. 10,50,000
Rs. 5030.00
Rs. 419.00
20 & above
Rs. 12,50,000
Rs. 5988.00
Rs. 499.00
As regards Government Employees in BS–1–4, 1/4th of total premium (i.e. Rs. 15.00 per employee per month) will be paid by the Government and the balance premium of Rs. 45.00 per month shall be deducted form their monthly salaries.
4. You are requested to issue instructions to all drawing and disbursing officers of your Department to ensure that while passing the pay bills of the employees working under them deduction of Group Insurance premium is made according to new rates with effect from 01.07.2007. The arrears of balance premium from the month of July, 2007 to January, 2008 may be deducted in 05 installments.
5. The Department Heads are requested to ensure that apart from the cases of death during service, claim of retired Government Servants may also be lodged with State Life Insurance Corporation of Pakistan in case death occurs within five years after retirement.