West Bengal GLSI & GISS Scheme: A Comprehensive Guide for Government Employees and Teachers

Introduction: Demystifying GLSI and GISS in West Bengal

For countless government employees and teachers across West Bengal, terms like GLSI and GISS are integral parts of their financial landscape. These acronyms refer to the **West Bengal State Government Employees' Group Insurance-Cum-Savings Scheme, 1987**. This scheme is a crucial component of employee welfare, designed to provide both a safety net through insurance cover and a savings avenue for their future. Understanding its nuances is vital for every eligible individual to effectively manage their financial planning and comprehend their entitlements. To assist with this, various online tools like the **WB GLSI calculator** and **WB GISS calculator** are available.

This comprehensive guide aims to break down the complexities of the GLSI/GISS scheme, offering clear explanations of its structure, benefits, and operational aspects. Whether you're a new recruit or a long-serving employee, this article will serve as your go-to resource for understanding this significant government initiative. We will delve into the compulsory nature of the scheme, its subscription rates, how contributions are apportioned, and the various entitlements upon retirement or in case of unforeseen circumstances. We'll also touch upon how a **GIS 1987 Subscription Amount Calculator after ROPA 2019** can help you understand your deductions.

Understanding the West Bengal State Government Employees' Group Insurance-Cum-Savings Scheme, 1987

The GLSI/GISS scheme came into effect on **1st November, 1987**, under G.O. No. 825-F dated 31st January, 1987. It was established with the dual objective of providing financial security in the event of death while in service and accumulating savings for employees, which they could access upon retirement or cessation of service. For a quick overview of your monthly deductions, you can use a **GISS Deduction Calculator**.

Compulsory Membership and Exclusions

Membership in the 1987 Scheme is **compulsory** for all whole-time regular Government employees who joined service on or after November 1, 1987. However, certain categories of individuals are excluded from this scheme:

• Persons paid at daily rates.
• Persons appointed on a short-term, ad-hoc, or contract basis for a specified period.
• Persons in seasonal or casual employment.
• Persons recruited under the State Government after attaining the age of fifty years.
• Employees on deputation from other State Governments, Government of India, Public Undertakings, or Autonomous Organizations, unless members of All India Services who have opted out of the Government of India Group Insurance Scheme are admitted with the concurrence of the Government of India.

Membership for Existing Government Employees (Pre-1987)

For employees who were already members of the GISS’ 83 scheme, they had the option to either remain under the 1983 Scheme or transition to the Revised Scheme of 1987. This option had to be exercised within a specific timeframe (by April 30, 1987). Those who did not exercise an option were automatically treated as members of the 1987 Scheme. The government also provided a subsequent opportunity for 1983 scheme members to join the 1987 scheme with effect from November 1, 1994.

Subscription Structure and Employee Groups: Understanding Your GIS 1987 Subscription Amount

The monthly subscription for the GLSI/GISS scheme is graded and based on units of Rs. 10 per month. The rate of subscription and the corresponding insurance cover vary according to the employee's group, which is determined as per ROPA 2009 (Revision of Pay and Allowances rules 2009). This ensures that contributions are proportional to the employee's pay scale. For precise figures, a **GIS 1987 Subscription Amount Calculator after ROPA 2019** can be very helpful.

Apportionment of Subscription: Insurance Fund vs. Savings Fund

A key aspect of the GLSI/GISS scheme is how the monthly subscription is divided between two distinct funds: the **Insurance Fund** and the **Savings Fund**. This apportionment ensures that a portion goes towards providing immediate life insurance cover, while the larger portion contributes to the employee's long-term savings. You can see this breakdown clearly using a **GISS Deduction Calculator**.

**Note:** The Savings Fund component is what accumulates over your service period and is paid out with interest upon retirement or to your nominee. The Insurance Fund component provides the immediate risk cover.

Key Provisions and Entitlements under the Scheme

Delayed Payment of Subscription

In instances where an employee is on Extra-ordinary Leave and no salary is paid, the outstanding subscription is recovered with interest. This recovery is typically done in not more than three installments, ensuring that the employee's benefits remain intact.

Nomination Facility

Every Government employee is entitled to make a nomination in favor of one or more persons who will receive the payable amount under the scheme in the event of the employee's death before superannuation. If the member has a family (as defined in Rule 7(1)(e)(1) of WBS (DCRB) Rules 1971), the nomination must exclusively be in favor of a family member(s). This provision ensures that the benefits reach the intended beneficiaries smoothly.

Register of Members and Anniversary Date

Each Head of Office is mandated to maintain a Group-wise Register of members in Form No.7. The **1st of November each year** marks the date of anniversary of the scheme. Employees joining in a month other than November receive insurance cover from their joining date until November 1st, by paying a premium of Rs. 3/- per month for every Rs. 10,000/- of insurance cover. From November onwards, they pay the full subscription (Insurance Fund and Savings Fund). In case of promotion to a higher group his subscription shall be raised from the salary bill of the next November.

Entitlements upon Retirement/Resignation etc.

Upon retirement or resignation, employees are entitled to:

• The accumulated amount in the Savings Fund for the entire period of membership under the 1987 Scheme, including interest as admissible. You can estimate this using a **WB GLSI calculator**.
• For those who transitioned from the 1983 Scheme, their entitlements under the 1983 Savings Fund up to October 31, 1987, along with 5% compound annual interest from November 1, 1987, until retirement/resignation, plus their 1987 Scheme Savings Fund amount with admissible interest.

Entitlements in Case of Death While in Service

If an employee unfortunately passes away while in service, their nominee(s) or legal heir(s) are entitled to:

• The amount of the appropriate insurance cover (as per their group).
• The total amount accumulated in the Savings Fund, along with admissible interest.

Sanctioning Authority and Payment Procedures

The **Head of Office**, as defined in Rule 5(16A) of W.B.S.R. Part-I, is the sanctioning authority for GLSI/GISS claims.

Payment Procedures:

1. **In case of Retirement/Resignation etc.:** The Head of Office sanctions the amount in Annexure ‘G’ after receiving an application in Form-2 from the concerned employee.
2. **In case of Death while in Service (with nomination):** The Head of Office intimates the nominee(s) in Form No. 3. The nominee(s) then apply for the claim in Form No. 4. Upon receiving the application, the Head of Office sanctions the amount in Annexure – ‘H’.
3. **In case of Death while in Service (without nomination):** If no nomination exists, payment can be made to the legal heir(s) in equal shares (Para 15.7 of the scheme). This typically involves obtaining an ‘Indemnity Bond’ from the claimant(s) as per relevant government orders.

The Drawing and Disbursing Officer (DDO) is responsible for drawing the amount based on the Head of Office's order, using T. R. Form No. 60 for drawal from the Savings Fund and T.R. Form No. 61 for drawal from the Insurance Fund.

**Important:** As per G.O. No. 3728-F(J) dt. 3rd May, 2012, it is mandatory to record the details of GLSI/GISS subscriptions in the Service Book of all State Government employees. This ensures proper tracking and accountability of contributions.

Frequently Asked Questions (FAQs) about WB GLSI & GISS