Kerala Pension

What is the Kerala Pension Scheme?

The Kerala Pension Scheme is a comprehensive social security program. This scheme aims at supporting some of the most vulnerable sections of society. It provides regular monthly pension payments to elderly citizens who have no other source of income, economically backward individuals, and persons living with disabilities. 

The scheme also extends support to women in specific vulnerable categories, such as widows and unmarried women above a certain age, ensuring they have financial stability. By providing regular financial assistance, this pension plan helps beneficiaries maintain a basic standard of living. This initiative not only safeguards their economic well-being but also brings dignity and security to those who might otherwise face monetary hardship.

Schemes Under Kerala Pension 

Kerala Pension has various schemes under them for providing benefits to people who fall under a particular category. By allotting people under specific pension groups, the Government can easily find out if every one of the pensioners has received their pension or not.

Here is a detailed discussion of these schemes: 

1. Agricultural Labour Pension

   This pension supports agriculture labourers in Kerala, providing financial assistance to those who have served the sector for many years.

   Eligibility criteria for this pension and other features and benefits are listed below:

   Eligibility

   • Age: 60 years or above
   • Permanent resident of Kerala
   • Minimum 10 years of work as an agriculture labourer
   • Family income below ₹1,00,000 per annum
   • Should be destitute and not a plantation worker

   Features and Benefits

   • Pension amount: ₹1,600 per month
   • Provides financial aid and social security

   Documents Required

   • Aadhaar Card
   • Land ownership proof
   • Senior Citizen ID
   • Bank statements (1 year)

2. Indira Gandhi National Old Age Pension

   The Indira Gandhi National Widow Pension Scheme provides financial aid to widows in Kerala. These widows must belong to an economically backward class in society to get benefits from this plan. 

   Eligibility

   • Widow above 18 years of age
   • Income below ₹35,000 per annum
   • Permanent resident of Kerala
   • Must not be a government employee

   Documents

   • Aadhaar Card
   • Bank account
   • Parivar Register copy
   • Panchayat recommendation

   Features and Benefits

   • This pension can provide social security and financial support to the elderly in Kerala.
   • The pension amount provided under this scheme is Rs. 1600/-

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

1. Indira Gandhi National Disability Pension Scheme

   Indira Gandhi National Disability (Handicapped) Pension is provided for permanent residents of Kerala who are physically challenged or mentally disabled. Eligibilities and other features and benefits of this plan are discussed in brief below.

   Eligibility

   • Applicants must be 80% or more handicapped
   • The applicant should fall under the poverty line of the state
   • Should not be a government employee
   • There is no age bar for this scheme

   Documents

   • BPL Certificate
   • Recommendation from the Village Panchayat
   • Aadhar Card
   • Copy of Parivar Register
   • Bank Account

   Features and Benefits

   • The amount allotted under this pension scheme is Rs.1,600/- per month.
   • This pension can provide social security and financial support to the disabled in Kerala.
   • People with no other source of income can count on this pension for their medical expenses.

2. Pension for the Unmarried Women above 50 years

   Pension for the Unmarried Women above 50 years is introduced for women who are unmarried and are above the age of 50 years. Few other eligibility, features, and benefits are discussed in brief below.

   Eligibility

   • Since this plan is strictly created for unmarried women, the applicant must not be married, divorced, widowed, or deserted.
   • The annual income of the single woman should be below Rs.35,000/-.
   • Permanent residents of Kerala are eligible.
   • The single woman must not be an employee of the Government.

   Features and Benefits

   • The amount provided under this pension scheme is Rs. 1,600/- per month.
   • As the pensioner gets monthly payment, this amount can act as an income replacement to the pensioner.

   Documents Required

   • AADHAR Card
   • Bank Passbook
   • Bank Statements
   • Copy of Parivar Register
   • Recommendation letter from the municipal office

3. Indira Gandhi National Widow Pension Scheme

   The Indira Gandhi National Widow Pension Scheme was created to provide a helping hand to widows in Kerala. These widows must belong to an economically backward class in society to get benefits from this plan. Eligibilities, features, and benefits for this plan are discussed in brief below.

   Eligibility

   • Must be a widow who is above 18 years of age.
   • Income must not exceed Rs. 35,000/-.
   • Must be a permanent resident in Kerala.
   • Should not be a government employee.

   Documents

   • Aadhar Card
   • Bank Account
   • Copy of Parivar Register
   • Recommendation from the Village Panchayat

   Features and Benefits

   • The pension can act as a great source of income for widows who have no other source of income in their life.
   • The amount provided under this pension scheme is Rs.1,600/-

Policy Beneficiaries

Kerala Pension scheme benefits for people who fall under the below-mentioned categories:

• Women who are widowed at the age of 18 and above with no other assets or source of income
• People who are physically challenged with 80% of disability
• People who are mentally challenged with 40% of disability
• Women who are unmarried and stay single even after they are 50 years old
• Labours of Agriculture who earn below minimum wages

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