Very Useful information about National Pension Scheme (NPS) for all Teachers who are in CPF.

Very Useful information about National Pension Scheme (NPS) for all Teachers who are in CPF.

Important Link

Download Useful Information : Click Here

Form 103 GD (Form for Withdrawal by Claimant due to Death of Government Employee)

As the function of pension relates to Right and being not under the provisions of the section 10 (1) of the Comptroller and Auditor General (Duties, Powers and Conditions of Service) Act, 1971. The State Government, with a view to expedite the disposal of the pension cases, decided to take over the dealing of pension from the Accountant General with effect from 1.4.1988 vide Govt.in Finance Department’s Government Resolution No. DPP/4887/453(1)/ P-1 dated 21.8.1987 .

Pension Payment Authority is being issued to all government servants eligible for pension on receipt of pension (sanction) papers duly sanctioned by the competent authority. Pension of the Class IV employees has been assigned to the Assistant Examiner of the District concerned vide Finance Department’s Resolution No. Misc./2000/D/903/P dated 16.3.2001 but it has been decided that work relating to authorization of the pension of the Daily wage workers, kotwals, Class-IV employees of Grant-in-Aid institutions, will be dealt by Directorate of Pension and Provident Fund only, as mentioned in this office Circular No.DPP/LM/Class IV/804/312 dated 27.3.2001. Pension of class IV employees has been assigned with effect from 01/12/2010 to Directorate of Pension and Provident Fund vide Finance Department’s Resolution No. Dated 10/02/2011. Pension work of District Panchayat Employees and Primary Teachers of the Panchayat has been taken over by Directorate of Pension and Provident Fund office vide Finance Department Resolution No: PRCH-102010-1617-CD-462|2014)-P Dated: 14/11/2014 w.ef-01/06/2015 Resolution No: PRCH-102010-1617 CD-462|2014)-P Dated: 26/12/2014 . Pension work of Academic staff of approved grant in aid primary schools and regular appointed employees of nagarpalika converted from gram & nagar panchayat vide finance departmant resolution no - PRCH - 102010 - 1617 - p dated: 01/03/2016.

Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.[1] The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.

According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment".[2]:225

A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national [health policy] for public insurance.

(US specific) In the U.S., there are two types of health insurance - tax payer-funded and private-funded.[3] An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.

The individual insured person's obligations may take several forms:[citation needed]

Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses.[4] Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.[5](TS 4:03)

Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.

Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.

Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.

NPS Withdrawal Forms

Read Important instructions in Gujarati : Click Here 

Form 103 GD (Form for Withdrawal by Claimant due to Death of Government Employee) Download Pdf 

Indemnity Bond Download Pdf 

Relinquishment Deed Download Pdf 

KYC Form Download Pdf 

NOC Form Download Pdf 

Form 601 PW (Partial Withdrawal Form for Tier I account) Download Pdf 

Annexure_Addition Withdrawal Details Download Pdf

Exclusions: Not all services are covered. Billed items like use-and-throw, taxes, etc. are excluded from admissible claim. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.

Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. 

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Form 103 GD (Form for Withdrawal by Claimant due to Death of Government Employee)

 Form 103 GD (Form for Withdrawal by Claimant due to Death of Government Employee)

NPS Withdrawal Forms

Read Important instructions in Gujarati : Click Here 

Form 103 GD (Form for Withdrawal by Claimant due to Death of Government Employee) Download Pdf 

Indemnity Bond Download Pdf 

Relinquishment Deed Download Pdf 

KYC Form Download Pdf 

NOC Form Download Pdf 

Form 601 PW (Partial Withdrawal Form for Tier I account) Download Pdf 

Annexure_Addition Withdrawal Details Download Pdf

As the function of pension relates to Right and being not under the provisions of the section 10 (1) of the Comptroller and Auditor General (Duties, Powers and Conditions of Service) Act, 1971. The State Government, with a view to expedite the disposal of the pension cases, decided to take over the dealing of pension from the Accountant General with effect from 1.4.1988 vide Govt.in Finance Department’s Government Resolution No. DPP/4887/453(1)/ P-1 dated 21.8.1987 .

Pension Payment Authority is being issued to all government servants eligible for pension on receipt of pension (sanction) papers duly sanctioned by the competent authority. Pension of the Class IV employees has been assigned to the Assistant Examiner of the District concerned vide Finance Department’s Resolution No. Misc./2000/D/903/P dated 16.3.2001 but it has been decided that work relating to authorization of the pension of the Daily wage workers, kotwals, Class-IV employees of Grant-in-Aid institutions, will be dealt by Directorate of Pension and Provident Fund only, as mentioned in this office Circular No.DPP/LM/Class IV/804/312 dated 27.3.2001. Pension of class IV employees has been assigned with effect from 01/12/2010 to Directorate of Pension and Provident Fund vide Finance Department’s Resolution No. Dated 10/02/2011. Pension work of District Panchayat Employees and Primary Teachers of the Panchayat has been taken over by Directorate of Pension and Provident Fund office vide Finance Department Resolution No: PRCH-102010-1617-CD-462|2014)-P Dated: 14/11/2014 w.ef-01/06/2015 Resolution No: PRCH-102010-1617 CD-462|2014)-P Dated: 26/12/2014 . Pension work of Academic staff of approved grant in aid primary schools and regular appointed employees of nagarpalika converted from gram & nagar panchayat vide finance departmant resolution no - PRCH - 102010 - 1617 - p dated: 01/03/2016.

Health insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.[1] The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.

According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment".[2]:225

A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable ( annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national [health policy] for public insurance.

(US specific) In the U.S., there are two types of health insurance - tax payer-funded and private-funded.[3] An example of a private-funded insurance plan is an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.

The individual insured person's obligations may take several forms:[citation needed]

Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. (US specific) According to the healthcare law, a premium is calculated using 5 specific factors regarding the insured person. These factors are age, location, tobacco use, individual vs. family enrollment, and which plan category the insured chooses.[4] Under the Affordable Care Act, the government pays a tax credit to cover part of the premium for persons who purchase private insurance through the Insurance Marketplace.[5](TS 4:03)

Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $7500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.

Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.

Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.

Exclusions: Not all services are covered. Billed items like use-and-throw, taxes, etc. are excluded from admissible claim. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.

Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. I

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CPF manthi GPF ma Samavva babat Prathmik Shikshik Mahasangh ni Rajuaat.

CPF manthi GPF ma Samavva babat Prathmik Shikshik Mahasangh ni Rajuaat.

Important Link

Read Letter : From Here

The delineation between system software such as and application software is not exact, however, and is occasionally the object of controversy. For example, one of the key questions in the trial was whether Microsoft's was part of its operating system or a separable piece of application software.
As another example, the is, in part, due to disagreement about the relationship between the and the operating systems built over this . In some types of , the application software and the operating system software maybe indistinguishable to the user, as in the case of software used to control a player. The above definitions may exclude some applications that may exist on some computers in large organizations. For an alternative definition of an app.

Some applications are available in versions for several different platforms; others only work on one and are thus called, for example. an application for Sometimes a new and popular application arises which only runs on one , increasing the desirability of that platform. This is called killer app. For example, VisiCalc was the first modern software for the Apple II and helped selling the then-new into offices. For Blackberry it was their software.

Teachers have the very important responsibility of shaping the lives of young, impressionable children. With this responsibility comes great pride and joy. Therefore all teachers should strive for what can be considered to be a "good teacher." A good teacher can be defined as someone who always pushes students to want to do their best while at the same time trying to make learning interesting as well as creative.

 A positive or negative influence from a teacher early on in life can have a great effect on the life of a child. Teachers, especially at the elementary level, must be very creative with their teaching styles. Not every child learns the same way, nor are they interested in the same things. It is difficult to keep the attention of 15-20 children under the age of ten.


Classroom setup and design is a good way to get and keep the attention of students. Workstations are a good way to encourage different types of learning. By allowing children a chance to choose which activities they want to participate in, children are taking control of their own education. At the elementary level, children are always learning and sometimes don't even know it. When I was in kindergarten, I can remember playing at the different stations in the classroom. One station was for gardening and we could plant seeds and check them every day to see how much they had grown. Another station in that classroom that sticks out in my mind is the arts and crafts station. There was a large array of crayons, markers, scissors, construction paper and building materials we could use to make pretty decorations to give to our parents for our homes. By choosing which station we wanted to work at, we were becoming much more interested in what we were learning because we were doing what we wanted to do, not what we had to do. By setting high standards for a student, the teacher is encouraging the student to do the same and will eventually...


The best web hosting provider right now overall is InMotion hosting. It's the best all-rounder in the market and is able to service individuals and businesses of all sizes looking for WordPress or ecommerce hosting

Bluehost is another web hosting provider worth looking at. Part of one of the world's largest website hosting companies and with a solid set of features, it is regularly ranked amongst the top web hosts. Read more about these web hosting services and more below!

Once you have accessed the FTP Manager these steps will explain show to create an FTP account.

Most people who are interested in learning how to become profitable traders need only spend a few minutes online before reading such phrases as "plan your trade; trade your plan" and "keep your losses to a minimum." For new traders, these tidbits of information can seem more like a distraction than any actionable advice. New traders often just want to know how to set up their charts so they can hurry up and make money.

To be successful in trading, one needs to understand the importance of and adhere to a set of tried-and-true rules that have guided all types of traders, with a variety of trading account sizes.

Each rule alone is important, but when they work together the effects are strong. Trading with these rules can greatly increase the odds of succeeding in the markets.

Users create this software themselves and often overlook how important it is.


The best web hosting provider right now overall is InMotion hosting. It's the best all-rounder in the market and is able to service individuals and businesses of all sizes looking for WordPress or ecommerce hosting

Bluehost is another web hosting provider worth looking at. Part of one of the world's largest website hosting companies and with a solid set of features, it is regularly ranked amongst the top web hosts. Read more about these web hosting services and more below!

Once you have accessed the FTP Manager these steps will explain show to create an FTP account.

Most people who are interested in learning how to become profitable traders need only spend a few minutes online before reading such phrases as "plan your trade; trade your plan" and "keep your losses to a minimum." For new traders, these tidbits of information can seem more like a distraction than any actionable advice. New traders often just want to know how to set up their charts so they can hurry up and make money.

To be successful in trading, one needs to understand the importance of and adhere to a set of tried-and-true rules that have guided all types of traders, with a variety of trading account sizes.

Each rule alone is important, but when they work together the effects are strong. Trading with these rules can greatly increase the odds of succeeding in the markets.

Users create this software themselves and often overlook how important it is.

CPF manthi GPF ma Samavva babat Prathmik Shikshik Mahasangh ni Rajuaat.

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