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  "title": "Federal Employees Benevolent Fund and Group Insurance Act,1969",
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  "text": "Page 1 of 15 \r\n \r\n \r\n \r\n \r\n \r\nTHE FEDERAL EMPLOYEES BENEVOLENT FUND AND GROUP \r\nINSURANCE ACT, 1969 \r\n \r\n \r\n \r\n \r\n \r\n \r\nCONTENTS \r\n \r\nCHAPTER I \r\nPRELIMINARY \r\n1. Short title, extent and commencement \r\n2. Definitions \r\n3. This Act and rules to override other laws, but not to affect retirement benefits, etc \r\nCHAPTER II  \r\nBOARD OF TRUSTEES \r\n4. Board of Trustees \r\n5. Board to be body corporate \r\n6. Head office \r\n7. Powers of the Board \r\n8. Meetings of the Board \r\n9. Managing Director of the Board \r\n10. Delegation of Powers \r\nCHAPTER III \r\nBENEVOLENT FUND \r\n11. Federal Employees Benevolent Fund \r\n12. Subscriptions to be paid by the employees \r\n \r\n\r\n \r\nPage 2 of 15 \r\n \r\n13. Benevolent grants to be paid from the Benevolent Fund \r\n14. Payment of Benevolent grant \r\n14A. Utilization of Benevolent Fund in other beneficial schemes \r\nCHAPTER IV  \r\nGROUP INSURANCE \r\n15. Insurance of employees \r\n15A. Payment of additional lump sum grant on death during service in a security related incident \r\n16. Arrangements with Insurance Company, etc \r\n17. Federal Employees Insurance Fund \r\n18. Payment of premia \r\n19. Payment of the sum assured \r\nCHAPTER V  \r\nGENERAL \r\n20. Audit and accounts \r\n21. Protection of action taken in good faith \r\n22. Exemption from taxes \r\n23. Power to Make rules \r\nFIRST SCHEDULE \r\nSee sections 12(1) and 13 \r\nSECOND SCHEDULE \r\nSee sections 12(1) and 13 \r\nTHIRD SCHEDULE [Omitted] \r\n \r\n  \r\n \r\nPage 3 of 15 \r\n \r\nTHE FEDERAL EMPLOYEES BENEVOLENT FUND AND GROUP \r\nINSURANCE ACT, 1969 \r\n1ACT NO. II OF 1969 \r\n[3rd February, 1969] \r\nAn Act to establish a benevolent fund for the common benefit of the employees of the \r\n2[Federal Government] and certain autonomous bodies and to provide for their group insurance. \r\nWHEREAS it is expedient to establish a benevolent fund for the common benefit of the \r\nemployees of the 2[Federal Government] and certain autonomous bodies and to provide for their group \r\ninsurance; \r\nIt is hereby enacted as follows :__ \r\nCHAPTER I  \r\nPRELIMINARY \r\n1. Short title, extent and commencement. __ (1) This Act may be called the 3[Federal \r\nEmployees Benevolent Fund and Group Insurance Act, 1969]. \r\n(2) It extends to the whole of Pakistan and applies to every employee wherever he may be. \r\n(3) It shall come into force on such date 4as the 2[Federal Government] may, by notification in \r\nthe official Gazette, appoint ; and different da tes may be appointed in respect of different provisions \r\nof this Act or for different classes or categories of employees. \r\n2. Definitions. In this Act, unless there is anything repugnant in the subject or context, \r\n(1) “Article” means an Article of the Constitution; \r\n(2) “Benevolent Fund” means the 3[Federal Employees Benevolent Fund] established under \r\nsection 11; \r\n(3) “Board” means the Board of Trustees set up under section 4 ; \r\n5[(4) “employee” means,__ \r\n(a) any person who is a member of an All -Pakistan service or of a civil service of \r\nthe Federation, or who holds a civil post in connection with the affairs of the \r\nFederation; \r\n(b) any person appointed to the secretarial staff of the National Assembly or of the \r\nSenate whose terms and conditions of service are governed by rules or law made \r\nunder Article 87 ; \r\n \r\n1For Statement of Objects and Reasons see Gaz. of P. 1968 Ext., (Dacca) p.13. \r\n2Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act., 1975 (25 of 1975) s. 2, for “Central Government”.  \r\n3Subs. ibid., s. 3, for “Central Employees Benevolent Fund and Group Insurance Act, 1969”. \r\n43rd April, 1969 see Gaz. of P. 1969, Ext., p.215.  \r\n5Subs. by the Act 25 of 1975 s. 4 for clause (4). \r\n \r\nPage 4 of 15 \r\n \r\n(c) any officer or servant of the Supreme Court whose terms and conditions of \r\nemployment are governed by rules made under Article 208 ;[or]1 \r\n1[(d)*  the contract, ad-hoc and contingent paid employees;] \r\n(d) any officer or servant employed in connection with the fu nctions of the Chief \r\nElection Commissioner or an Election Commission whose terms and conditions \r\nof employment are governed by rules or law made under Article 221. \r\n(e) any officer or servant of such body corporate, institution, organization or \r\nautonomous bo dy, as the Federal Government may, by notification in the \r\nofficial Gazette, specify; \r\nand includes any such person, officer, servant or member of the staff who is__ \r\n(i) on deputation elsewhere or on foreign service within the meanings of \r\nthe Fundamental Rules, \r\n(ii) undergoing study or training in or outside Pakistan, \r\n(iii) on leave, or \r\n(iv) under orders of suspension,  \r\nbut does not include any person who:__ \r\n(a) is an employee of the Railways; or \r\n(b) has attained the age of sixty years; or \r\n(c) is an officer or servant of a Provincial Government on deputation \r\nto the Federal Government; \r\n(5) “family” means,__ \r\n(a) in the case of a male employee, the wife or wives, and in the case of a female \r\nemployee the husband of the employee; 1[*] \r\n1[(b) the natural sons upto the age of twenty -one years, provided they are not \r\nhandicapped or mentally retarded; and \r\n(c) parents, minor brothers, unmarried, divorced or widowed daughters and sisters \r\nof the employee wholly dependent upon him.] \r\n(6) “Insurance Fund” means the 2[Federal Employees Insurance Fund] established under \r\nsection 17; \r\n3[(7) “pay” includes emoluments which reckon for pension and the pay an employee would \r\nhave drawn but for his deputation, suspension or leave;] \r\n \r\n1Added, omitted and sub. by Act IV of 2005, s. 2. (w.e.f. 1-12-2003). \r\n*Appeared as such in Gazette copy of Act IV of 2005, s.  2 (1) (ii). (Inserted of clause cc or ca) \r\n2Subs. by Central Employees Benevolent Fund and Group Insurance (Amdt.) Act, 1975 (XXV of 1975), s.4, for “Central Employees Insurance Fund”. \r\n3Subs. by the Federal Employees Benevolent Fund and Group Insurance (Amdt.) Act 1989 (I of 1989), s. 2 for cl. (7). (w.e.f. 16-1-1989). \r\n \r\nPage 5 of 15 \r\n \r\n(8) “prescribed” means prescribed by rules; \r\n(9) “rules” means rules made under this Act. \r\n3. This Act and rules to override other laws, but not to affect retirement benefits etc. The \r\nprovisions of this Act and the rules shall have effect notwithstanding anything contained in any other \r\nlaw, rule, order, notification, contract or other document or instrument; but nothing herein contained \r\nshall affect the right to receive any pension , provident fund, gratuity or other benefits accruing to the \r\nemployee on his retirement or invalidation or to his family upon his death, otherwise than under this \r\nAct. \r\n_______ \r\nCHAPTER II  \r\nBOARD OF TRUSTEES \r\n4. Board of Trustees.__ (1)There shall be set up a board to be known as the Board of Trustees \r\nof the 1[Federal Employees Benevolent and Insurance Funds] which shall consist of the following, \r\nnamely :__ \r\n(a) Secretary to the 2[Federal Government] in the Establishment Division, who shall \r\nbe the Chairman of the Board; \r\n(b) an officer not below the rank of Joint Secretary concerned with the welfare of \r\nthe employees of the 2[Federal Government] appointed by the 3[Federal \r\nGovernment] by notification in the official Gazette, to be a member of the \r\nBoard; \r\n(c) five persons from amongst the employees whom the 3[Federal Government] \r\nmay, by notification in the official Gazette, appoint to be the members of the \r\nBoard: \r\nProvided that at least one such member shall be from amongst the \r\nofficers of the Ministry of Finance and one from amongst the officers of the \r\n4[Overseas Pakistanis and Human Resource Development Division] [;]5 \r\n(d) 6[The Managing Director of the Board, who shall be the ex-officio member of \r\nthe Board.] \r\n(2) The members appointed by the 7[Federal Gove rnment] shall hold office during 8[its] \r\npleasure. \r\n \r\n1Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act 1975 (XXV of 1975), s. 5, for “Central Employees Benevolent Fund \r\nand Insurance Fund”. \r\n2Subs. ibid., s. 2 for “Central Government”. \r\n3Subs. by Act I of 1989, s. 3, for “President” (w.e.f. 16­1­89) \r\n4Subs. by Act IX of 2015. \r\n5Subs. by Act I of 1989, s. 3, for full-stop. (w.e.f. 16-1-89). \r\n6Added by the Federal Employees Benevolent Fund and Group Insurance (Amdt.) Act. 1989, (I of 1989.) s. 3, (w.e.f. 16-1-1989). \r\n7Subs. ibid., \r\n8Subs. ibid, for “his” \r\n  \r\n \r\nPage 6 of 15 \r\n \r\n5. Board to be body corporate.  The Board shall be a body corporate having perpetual \r\nsuccession and a common seal with power, subject to the provisions of this Ac t, to acquire, hold and \r\ndispose of property both movable and immovable and shall by the aforesaid name sue or be sued. \r\n6. Head Office. The head office of the Board shall be at Islamabad or at such other place as \r\nthe 1[Federal Government] may, by notification in the official Gazette, appoint. \r\n7. Powers of the Board. The Board shall have power,__ \r\n(a) to settle claims for benevolent grants and sums assured under this Act and all \r\nmatters connected with such claims; \r\n(b) to sanction grant from the Benevolent Fund to the employees or their families \r\nin accordance with the provisions of this Act and the rules ; \r\n(c) to do or cause to be done all ac ts and things necessary for the proper \r\nadministration and management of the moneys or properties in the Benevolent \r\nFund and the Insurance Fund; \r\n(d) to sanction expenditure connected with the administration and management of \r\nthe Benevolent Fund and the Insurance Fund; \r\n(e) to make arrangement for the insurance of the life of the employees to give effect \r\nto the provisions of this Act; \r\n(f) to invest moneys held in the Benevolent Fund in Government securities and \r\nunits of Investment Corporation of Pakistan or National Investment Trust, in the \r\nconstruction of buildings for purposes of raising rent income, and in other \r\nprofitable ventures the plans whereof having been previously approved by the \r\n1[Federal Government] ; \r\n(g) to set up regional boards and invest them w ith the administrative and financial \r\npowers to deal with such matters as may be assigned to them by the Board; \r\n(h) to appoint or employ such persons 2* * * as it considers necessary for the \r\nefficient performance of its operations on such terms and conditio ns as it may, \r\nsubject to rules, determine ; \r\n(i) to do or cause to be done all things ancillary or incidental to any of the aforesaid \r\npowers or to the purposes of the Benevolent Fund and the Insurance Fund. \r\n8. Meetings of the Board. __ (1) The Meetings of the Board shall be held at such times and \r\nplaces as may be prescribed, but the Chairman may convene the meetings of the Board at any other \r\ntime and place. \r\n(2) To constitute a quorum at a meeting of the Board, the number of members present shall be \r\nthree. \r\n(3) Each member of the Board shall have one vote and in the event of equality of votes the \r\nChairman shall have a second and casting vote. \r\n1Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act, 1975 (25 of 1975) s. 2, for “Central Government”. \r\n2Certain words omitted by the Federal Employees Benevolent Fund and Group Insurance (Amdt.) Act, 1989 (I of 1989), s. 4 (w.e.f. 16-1-89). \r\n  \r\n \r\nPage 7 of 15 \r\n \r\n(4) The meetings of the Board shall be presided over by the Chairman and in the absence of \r\nthe Chairman by the person elected for the purpose by the members present from amongst themselves. \r\n(5) All orders and decisions of the Board shall be authenticated by the signature of the \r\nChairman or of such other member as may have been authorised by the Board by a resolution. \r\n1[9. Managing Director of the Board. __ The Federal Government may appoint a Managing  \r\nDirector of the Board on such terms and conditions as it may determine. \r\n(2) The Managing Director of the Board shall be the ex-officio Secretary of the Board.] \r\n10. Delegation of Powers. The Board may, for facil itating the discharge of its functions and \r\nensuring efficient operation of the Benevolent Fund and the Insurance Fund, by a resolution published \r\nin the official Gazette, delegate to the Secretary, or to the managing director, if any, or any other officer \r\nof the Board, subject to such conditions and limitations, if any, as may be specified therein, such of its \r\npowers and duties under this Act as it may deem necessary. \r\nCHAPTER III \r\nBENEVOLENT FUND \r\n11. Federal Employees Benevolent Fund.__ (1) There shall be established a Fund to be called \r\nthe 2[Federal Employees Benevolent Fund.] \r\n(2) To the credit of the Benevolent Fund shall be placed__ \r\n(a) all sums paid by the employees as subscriptions to the Benevolent Fund ; \r\n(b) all grants made by the 3[Federal Government], autonomous bodies, \r\norganizations, institutions or other authorities ; \r\n(c) donations made by private individuals or institutions ; \r\n(d) all income, profits or interest accruing from the assets belonging to the \r\nBenevolent Fund or from investments made out of the moneys of the Fund ; \r\n(e) loans raised by the Board with the previous approval of the 3[Federal \r\nGovernment.] \r\n(3) The moneys credited to the Benevolent Fund shall be kept in such bank as may be \r\nprescribed. \r\n12. Subscriptions to be paid by the employees.__ 4[(1) Every employee in service__ \r\n \r\n1Subs.by the Federal Employees Benevolent Fund and Insurance (Amdt.) Act, 1989 (I of 1989), s. 5, (w.e.f. 16-1-89). \r\n2Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act, 1975 (25 of 1975) s. 5, for “Central Employees Benevolent Fund.” \r\n3Subs. ibid., s. 2, for “Central Government”. \r\n4Subs. by Act, XIII of 1996, s. 2 (w.e.f. 4-9-1988). \r\n  \r\n \r\nPage 8 of 15 \r\n \r\n(a) before the fourth day of September, 1988, shall be liable to pay to the \r\nBenevolent Fund a monthly subscription at the rates specified in column (2) of \r\nthe First Schedule ; 1[*] \r\n(b) on or after the fourth day of September, 1988, shall be liable to pay to the \r\nBenevolent Fund a monthly subscription at the rates specified in column (3) of \r\nthe Second Schedule ; 1[and] \r\nand, as far as possible, the amount of such subscription shall be deducted at source from the pay of \r\nsuch employee and credited or remitted to the Benevolent Fund.] \r\n1[(c)  on or after the first day of December 2003, shall be liable to pay to the \r\nBenevolent Fund a monthly subscription at the rates] 2[as may be prescribed;] \r\n(2) Where the amount of subscription cannot for any reason be deducted from the pay of the \r\nemployee, the employee shall remit to such officer as may be prescribed for the purpose the sum of \r\nsubscription payable by him and any amount of subscription remaining unpaid due to inadvertence or \r\nnegligence of t he employee or otherwise shall be recoverable from him in such manner as may be \r\nprescribed. \r\n(3) Default in the payment of the subscription either for the reason that the pay of the employee \r\nwas not drawn or due to his inadvertence, negligence or fault or a ny other reasons whatsoever shall \r\nnot affect his right or the right of his family to receive the benevolent grant provided for in section 13, \r\nbut the amount of unpaid subscriptions may be deducted from the benevolent grant. \r\n3[13. Benevolent grants to be pa id from the Benevolent Fund .__ (1) Where, prior to the \r\nfourth day of September, 1988, an employee__ \r\n(a) was declared by the prescribed medical authority to have been completely \r\nincapacitated physically or mentally to discharge the duties of his employment \r\nand for that reason was retired or removed from service ; or \r\n(b) had died during the continuance of his employment or dies after retirement \r\nbefore attaining the age of sixty-five years. \r\nhe or, in the event of his death, his family shall be entitled to receive benevolent grant from the \r\nBenevolent Fund according to the rates  specified in column (3) of the First Schedule, for a period of \r\nfifteen years or upto the date on which the employee attains or might have attained if he were alive, \r\nthe age of sixty-five years, whichever is earlier: \r\nProvided that in the case of an employee who dies after having drawn benevolent grant under \r\nthis sub-section, the said period of fifteen years shall be reckoned from the date from which he became \r\neligible to the grant. \r\n(2) Where, on or after the fourth day of September, 1988, an employee is dec lared by the \r\nprescribed medical authority to have been completely incapacitated physically or mentally to discharge \r\nthe duties of his employment and for that reason is retired or removed from service, he shall be entitled \r\n \r\n1Omitted, added and ins by Act, IV of 05, s. 3 (w.e.f. 1-12-2003). \r\n2Subs. by Act XX of 2010, s. 2 (w.e.f. 01.07.2009) \r\n3Subs. by Act XIII of 1996, s.3 (w.e.f 04-09-1988). \r\n  \r\n \r\nPage 9 of 15 \r\n \r\nto receive for life such benevolent grant from the Benevolent Fund as specified in column (4) of the \r\nSecond Schedule; or where the employee dies during the continuance of his employment, or during \r\nretirement before attaining the age of seventy years, his spouse shall be entitled to receive for life such \r\nbenevolent grant from the Benevolent Fund as specified in column (4) of the Second Schedule: \r\nProvided that, if the deceased employee has no spouse or the spouse dies, other members of his \r\nfamily shall be entitled to receive benevolent grant from Benevolent Fund as prescribed for a period \r\nof fifteen years or upto the date the deceased employee would have attained the age of seventy years, \r\nwhichever is earlier: \r\nProvided further that the said period of fifteen years shall be reckoned from the date from which \r\nthe deceased employee or, as the case may be, the spouse became eligible for such grant.] \r\n1[(3) Where, on or after the first day of December 2003, an employee is declared by the \r\nprescribed medical authority to have been completely incapacitated physically or mentally to discharge \r\nthe duties of his employment and for that reason is retired or removed from service, he shall be entitled \r\nto receive for life such benevolent grant from the Benevolent Fund as 2[may be prescribed]; or where \r\nthe employee dies during the continuance of his employment, or during retirement 3*   *    *, his spouse \r\nshall be e ntitled to receive for life such benevolent grant from the Benevolent Fund as 2[may be \r\nprescribed] \r\nProvided that, if the deceased employee has no spouse or the spouse dies, other members of his \r\nfamily shall be entitled to receive benevolent grant from Bene volent Fund as prescribed for a period \r\nof fifteen years 3* * *. \r\nProvided further that the said period of fifteen years shall be reckoned from the date from which \r\nthe deceased employee or, as the case may be, the spouse became eligible for such grant. \r\n(4) The beneficiaries whose grant period has not expired on 30th day of November, 2003 shall \r\nbe entitled to an increase equal to twenty percent of the grant sanctioned under the rules with effect \r\nfrom the first day of December, 2003, for the remaining period of the grant.] \r\n4[(5) Where, on or after the 5[15th day of June, 2013], an employee died or dies in a security \r\nrelated incident during his employment, his spouse shall be entitled to receive for life such additional \r\nmonthly benevolent grant from the benevolent fund as may be prescribed: \r\nProvided that,__ \r\n(a) If the deceased employee has no spouse or the spouse dies, other members of \r\nhis family shall be entitled to receive the benevolent grant for period of fifteen \r\nyears; \r\n(b) the period of fifteen years under clause (a) shall be reckoned from the date from \r\nwhich the heirs of deceased employee or, as the case may be, the spouse became \r\neligible for such grant; and \r\n \r\n1Added by Act IV of 2005, s. 4 (w. e. f. 1-12-2003).  \r\n2Subs. Act XX of 2010, s. 3. (w. e. f. 01-07-2009). \r\n3Omitted by Act VIII of 2015, s.2. \r\n4Added by Act XX of 2018, s. 2. \r\n5Subs. by Act No. XXI of 2023, s.2. \r\n  \r\n \r\nPage 10 of 15 \r\n \r\n(c) the grant under this sub-section shall be in addition to other benefits admissible \r\nto an employee under this Act. \r\nExplanation. __ Security related incident for the purpose of admissibility \r\nof the additional monthly benevolent grant means death that occurs due to a \r\nterrorist act or while combating or confronting the terrorist, irrespective of the \r\nfact that the victim was a member of a ny law enforcement agency or a civilian \r\nemployee. Death of a member of law enforcement agency due to a cause, other \r\nthan a terrorist act, shall be classified as in-service death and shall not fall within \r\nthe purview of this sub-section.]  \r\n14. Payment of benevolent grant.__ (1) On the death of an employee, the amount of \r\nbenevolent grant payable under section 13 shall be paid to such member or members of his family as \r\nhe might have nominated in accordance with the rules in full or in the shares specified by h im at the \r\ntime of making of nomination. \r\n(2) Where no valid nomination made by the employee subsists at the time of his death, the \r\namount of benevolent grant shall be paid to such member or members of his family, subject to such \r\nconditions imposed with a vi ew to ensuring that the amount is justly and equitably utilized for the \r\nmaintenance and benefit of all the members of family, as may be prescribed or may, consistently with \r\nrules, be determined by the Board or an officer authorised by the Board in that behalf. \r\n1[14A. Utilization of Benevolent Fund in other beneficial schemes.__ The Board may, where \r\nit considers expedient and keeping in view the availability of funds after discharging its liability under \r\nthis Act, make schemes for disbursement of any amount for the benefit of employees, including retired \r\nemployees and their families.] \r\n_______ \r\nCHAPTER IV  \r\nGROUP INSURANCE \r\n15. Insurance of employees. Subject to the provisions of this Act and the rules, in the event of \r\nthe death of an employee, occurring by whatsoever cause, during the continuance of his employment, \r\nthe Board shall pay to the family of the deceased employee a sum 2[as may be prescribed]. \r\n3[15A. Payment of additional lump sum grant on death during service in a security related \r\nincident.__ In the event of death of an employee during his employment on or after the 4[15th day of \r\nJune, 2013] occurring in a security related incident, the Board shall pay to the family of the deceased \r\nemployee a special lump sum grant as may be prescribed: \r\nProvided that this grant shall be in addition to other benefits admissible to an employee under \r\nthis Act. \r\nExplanation.__ Security related incident for the purpose of admissibility of the additional lump \r\nsum grant means if death occurs due to a terrorist act or while combating or confronting the terrorist,  \r\n \r\n1Ins. by Act XIII of 1996, s. 3A (w.e.f. 4-9-1988). \r\n2Subs. by the Federal Employees Benevolent Fund and Group Insurance (Amdt.) Act. 1989 (1 of 1989) ss. 8 and 9 (w.e.f. 16-1-1989). \r\n3Ins. by XX of 2018, s. 3. \r\n4Subs. by Act. No. XXI of 2023, s. 2. \r\n \r\nPage 11 of 15 \r\n \r\nirrespective of the fact that the victim was a member of a law enforcement a gency or was a civilian \r\nemployee. Death of a member of any law enforcement agency due to a cause other than a terrorist act \r\nshall be classified as in-service death and shall not fall within the purview of this section.]  \r\n16. Arrangements with Insurance Company, etc. The Board may from time to time arrange \r\nfor the insurance of the life of the employees in sums 1[as may be prescribed] with such insurance \r\ncompany or other insurer and for such period as it deems fit, and where any such arrangement subsists, \r\nthe liability to pay the said specified sums shall directly devolve upon the insurance company or other \r\ninsurer. \r\n17. Federal Employees Insurance Fund.__ (1) There shall be established a fund to be called  \r\nthe 2[Federal Employees Insurance Fund] which shall vest in and be held and administered by the \r\nBoard. \r\n(2) All sums received from the employees as premia for the group insurance of the employees \r\nand any interest or profit accruing thereon shall be credited to the Insurance Fund. \r\n(3) The moneys credited to the Insurance Fund shall be kept in such bank as may be prescribed. \r\n(4) All 3[payments made under section 15, the] expenses on any arrangement entered into by \r\nthe 4[Board] with any insurance company or other insurer as provided for in section 16 and all expenses \r\non the administration of the Insurance Fund shall be defrayed from the Insurance Fund. \r\n(5) Any sums remaining in the Insurance Fund after defraying the expenses referred to in sub-\r\nsection (4) may be utilized for such purposes connected with the benefit of the 5[employees, including \r\nretired employees, and their families,] as the Board may direct. \r\n18. Payment of premia.__ (1) Every employee shall be liable to pay to the Insurance Fund such \r\nsum of money as may be prescribed as premium for the insurance of his life as provided for in this \r\nChapter and the amount of such premium shall as far as possible be deducted at the source from his \r\npay and credited or remitted to the Insurance Fund. \r\n(2) Where the amount of premium cannot for any reason be de ducted from the pay of the \r\nemployee, the employee shall remit to the prescribed officer the sum of premium payable by him, and \r\nany premia remaining unpaid due to inadvertence or negligence of the employee or otherwise shall be \r\nrecoverable from him in such manner as may be prescribed. \r\n(3) Default in the payment of premia either for the reason that the pay of the employee was not \r\ndrawn or due to his negligence or fault or for any other reason whatsoever shall not affect the right of \r\nhis family to receive the sum assured in the event of the death of the employee, but the pr emium \r\nremaining unpaid at the time of his death may be recovered from the assured amount. \r\n19. Payment of the sum assured.__ (1) On the death of an employee, the sum assured shall be \r\npaid to such member or members of his family as he might have nominated in  accordance with the \r\nrules in full or in the shares specified by him at the time of making the nomination. \r\n \r\n1Subs. by the Federal Employees Benevolent Fund and Group Insurance (Amdt.) Act. 1989 (1 of 1989) ss. 8 and 9 (w.e.f. 16-1-1989). \r\n2Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act. 1975 (XXV of 1975) s. 2, for “Central Employees Insurance Fund”. \r\n3Ins. by Act 1 of 1989 s. 10 (w.e.f. 16-1-1989) \r\n4Subs. ibid., for “Federal Government” which was previously amended by Act. XXV of 1975 s. 2, for “Central Government”.  \r\n5Subs. by Act. XXV of 1975 s. 6 for “families of the employees”. \r\n  \r\n \r\nPage 12 of 15 \r\n \r\n(2) Where no valid nomination made by the employee subsists at the time of his death, the sum \r\nassured shall be paid to such member or members of his family, subject to such conditions imposed \r\nwith a view to ensuring that the sum is justly and equitably utilized for the maintenance and benefit of \r\nall the members of the family, as may be prescribed or may, consistently with the rules, be determined \r\nby the Board or an officer authorised by the Board in that behalf. \r\n_______ \r\nCHAPTER V  \r\nGENERAL \r\n20. Audit and accounts. __ The accounts of the Benevolent Fund and of the Insurance Fund  \r\nshall be maintained in such manner and form as the 1[Auditor General of Pakistan] may from time to \r\ntime, direct, by such officer or authority as the Board may appoint. \r\n(2) The accounts of the Benevolent Fund and of the Insurance Fund shall be audited by such \r\nauthority or agency as the 2[Federal Government] may, after consulting the 1[Auditor General of \r\nPakistan], appoint. \r\n21. Protection of action taken in good faith. No suit, prosecution or other proceedings shall \r\nlie against the 2[Federal Government] the Board or any officer or other authorized person for anything \r\nin good faith done or purporting to have been done in pursuance of this Act or the rules. \r\n22. Exemption from taxes.__ The 2[Federal Government] may by order in writing,__ \r\n(a) exempt the Benevolent Fund and the Insurance Fund from any tax, rate or duty \r\nleviable by such Government or by a local authority under the control of such \r\nGovernment ; \r\n(b) exclude the amount of premium or subscription paid by an employee from his \r\nassessable income under the Income-tax Act, 1922 (XI of 1922). \r\n23. Power to make rules.  The 2[Federal Government] may make rules 3 for the purpose of \r\ngiving effect to all or any of the provisions of this Act. \r\n4[THE FIRST SCHEDULE \r\n[See sections 12(1) and 13] \r\nBENEVOLENT FUND \r\nThe rates of subscription to the Benevolent Fund and the amount of monthly benevolent grant \r\npayable under section 13 out of such Fund before the 4th September, 1988. \r\n \r\n \r\n1Subs. by the Central Employees Benevolent Fund and Group Insurance (Amdt.) Act, 1975 (25 of 1975) s. 7, for “Comptroller and Auditor General of \r\nPakistan”. \r\n2Subs. ibid., s. 2, for “Central Government”. \r\n3For such Rules, see Gaz. of P. Ext. dated the 18th March 1972, pp.23-31. \r\n4Added by Act, XIII of 1996, s. 4 (w.e.f. 4-9-88). \r\n  \r\n \r\nPage 13 of 15 \r\n \r\nPay Range Rate of monthly Subscription Rate of monthly \r\nBenevolent grant \r\n(1) (2) (3) \r\nIn the case of an employee \r\nwhose pay last drawn was \r\nBetween___________ \r\n One percent of pay \r\nsubject to maximum of \r\nRs.26 \r\n(Rs) __ (Rs) \r\n250 and 300 __ 150 \r\n301 and 400 __ 175 \r\n401 and 500 __ 200 \r\n501 and 600 __ 225 \r\n601 and 700 __ 250 \r\n701 and 800 __ 275 \r\n801 and 900 __ 300 \r\n901 and 1000 __ 325 \r\n1001 and 1100 __ 350 \r\n1101 and 1200 __ 375 \r\n1201 and 1300 __ 400 \r\n1301 and 1400 __ 425 \r\n1401 and 1500 __ 450 \r\n1501 and 1600 __ 475 \r\n1601 and 1700 __ 500 \r\n1701 and 1800 __ 525 \r\n1801 and 1900 __ 550 \r\n1901 and 2000 __ 575 \r\n2001 and 2100 __ 600 \r\n2101 and 2200 __ 625 \r\n2201 and 2300 __ 650 \r\n2301 and 2400 __ 675 \r\n2401 and 2500 __ 700 \r\n2501 and 2600 __ 725 \r\n2601 and above __ 750 \r\n \r\n  \r\n \r\nPage 14 of 15 \r\n \r\nTHE SECOND SCHEDULE \r\n[See sections 12(1) and 13] \r\nBENEVOLENT FUND \r\nThe rates of subscription to the Benevolent Fund and the amount of monthly Benevolent grant \r\npayable under section 13 out of such fund applicable on and after the 4th September, 1988. \r\n \r\nS.No. Monthly Pay Rate of monthly Subscription Rate of monthly \r\nBenevolent grant \r\n(1) (2) (3) (4) \r\n (Rs) (Rs) (Rs) \r\n1. 501 to 600 11 270 \r\n2. 601 to 700 13 300 \r\n3. 701 to 800 15 330 \r\n4. 801 to 900 17 360 \r\n5. 901 to 1000 19 390 \r\n6. 1001 to 1100 21 420 \r\n7. 1101 to 1200 23 450 \r\n8. 1201 to 1300 25 480 \r\n9. 1301 to 1400 27 510 \r\n10. 1401 to 1500 29 540 \r\n11. 1501 to 1600 31 570 \r\n12. 1601 to 1700 33 600 \r\n13. 1701 to 1800 35 630 \r\n14. 1801 to 1900 37 660 \r\n15. 1901 to 2000 39 690 \r\n16. 2001 to 2100 41 720 \r\n17. 2101 to 2200 43 750 \r\n18. 2201 to 2300 45 780 \r\n19. 2301 to 2400 47 810 \r\n20. 2401 to 2500 49 840 \r\n21. 2501 to 2600 51 870 \r\n22. 2601 to 2700 53 900 \r\n23. 2701 to 2800 55 930 \r\n24. 2801 to 2900 57 960 \r\n \r\nPage 15 of 15 \r\n \r\n25. 2901 to 3000 59 990 \r\n26. 3001 to 3100 61 1020 \r\n27. 3101 to 3200 63 1050 \r\n28. 3201 to 3300 65 1080 \r\n29. 3301 to 3400 67 1110 \r\n30. 3401 to 3500 69 1140 \r\n31. 3501 to 3600 71 1170 \r\n32. 3601 to 3700 73 1200 \r\n33. 3701 to 3800 75 1230 \r\n34. 3801 to 3900 77 1260 \r\n35. 3901 to 4000 79 1290 \r\n36. 4001 to 4100 81 1320 \r\n37. 4101 to 4200 83 1350 \r\n38. 4201 to 4300 85 1380 \r\n39. 4301 to 4400 87 1410 \r\n40. 4401 to 4500 89 1440 \r\n41. 4501 to 4600 91 1470 \r\n42. 4601 to 4700 93 1500 \r\n43. 4701 to 4800 95 1530 \r\n44. 4801 to 4900 97 1560 \r\n45. 4901 to 5000 99 1590 \r\n46. 5001 and above 100 1620]. \r\n \r\nTHE THIRD SCHEDULE 1[Omitted] \r\n \r\n \r\n_________ \r\n \r\n \r\nDate: 13-09-2024 \r\n1Omitted by. 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