Pension Issues? We Can Help.
Your pension is your right earned through years of dedicated service.
Don’t let calculation errors or bureaucratic delays reduce your entitlement.
Pension Calculation Review
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Service & Family Pension Matters
Ensuring Veterans Receive Their Complete Pension Benefits
Pension is the rightful reward for decades of service to the nation. Yet many veterans face issues with incorrect calculations, delayed payments, and disputed entitlements. Whether it’s service pension, family pension, or commutation matters, these disputes can significantly impact a veteran’s financial security.
At Ajit Kakkar and Associates, we help armed forces veterans and their families secure their complete pension entitlements. Our expertise in pension regulations ensures accurate calculation verification and effective legal representation for all pension disputes.
Pension Categories
Types of Pension We Handle
Service Pension
- Regular pension after qualifying service
- Retiring pension
- Invalid pension
- Compensation pension
Family Pension
- Ordinary family pension
- Special/Liberalized family pension
- Enhanced family pension
- Dependent family pension
Disability Pension
- Service-attributable disability
- Aggravated disability
- View Disability Pension →
Other Pension Types
- Gallantry award pension
- War injury pension
- Ex-gratia payments
- Special family pension
Disputes We Resolve
Common Pension Issues
Calculation Errors
- Incorrect pay used for calculation
- Wrong qualifying service counted
- Pay Commission benefits not applied
- OROP not correctly implemented
Family Pension Issues
- Rejection of family pension claim
- Reduced family pension rate
- Dual family pension disputes
- Nominee/beneficiary disputes
Commutation Issues
- Incorrect commutation calculation
- Restoration of commuted portion
- Commutation rate disputes
Arrears & Delays
- Non-payment of arrears
- Delayed pension start
- Interest on delayed payments
- Revision arrears
Other Issues
- Pensionary benefits denial
- Dearness relief disputes
- CGHS/ECHS issues
- Pension revision matters
Understanding Your Pension
How Service Pension is Calculated
Basic Pension Formula
Pension = 50% × Last Pay Drawn
(Basic Pay + Grade Pay as applicable)
Minimum & Maximum Pension
• Minimum pension is guaranteed for all retirees
• Maximum pension capped at prescribed limits
Factors Affecting Calculation
Last Pay Drawn
Basic pay plus grade pay at retirement
Qualifying Service
Total reckonable service period
Type of Retirement
Superannuation, voluntary, invalid, etc.
Applicable Pay Commission
6th, 7th CPC rates as applicable
For Families of Veterans
Understanding Family Pension
Family pension is payable to eligible family members after the death of a pensioner or serving personnel.
Eligible Beneficiaries
In order of priority:
- Widow/Widower
- Eligible children
(unmarried daughters, disabled sons) - Dependent parents
- Dependent siblings
(rare cases)
Pension Rates
Ordinary Rate: 30% of last pay
Enhanced: 50% for first 7 years
Liberalized: 60% (battle casualties)
Special Categories
- Missing personnel family pension
- POW family pension
- Battle casualty family pension
- Operational deaths
Lump Sum Option
Pension Commutation
Commutation is a lump sum payment in exchange for reduced monthly pension. Up to 50% of pension can be commuted.
Common Commutation Issues
- Incorrect commutation factor applied
- Wrong age used for calculation
- Commutation table disputes
Restoration of Commuted Pension
The commuted portion of pension is restored after 15 years from the date of commutation.
Issues we handle:
• Disputes about restoration date
• Calculation of restored amount
• Non-restoration complaints
Common Questions
Frequently Asked Questions
Q: How is qualifying service calculated?
Qualifying service includes all reckonable service—regular service, training periods (in most cases), and any other service as per rules. Certain breaks or unauthorized absences may be excluded.
Q: My pension seems less than my batchmates. Why?
This could be due to different qualifying service, different pay at retirement, or calculation errors. We can verify your calculation against applicable rates.
Q: How do I claim family pension after my husband passed away?
Submit claim through the Record Office with death certificate, relationship proof, and pension documents. If facing delays or rejection, we can assist.
Q: When does commuted portion get restored?
After 15 years from the date of commutation, the commuted portion is restored, and full pension becomes payable.
Q: Can I claim pension arrears from 10 years ago?
Limitation periods apply. For AFT cases, generally one year. For administrative claims, three years for arrears. However, some cases may have longer windows. Consult us for specific advice.
Q: My father was declared missing in action. Can we get pension?
Yes. Special provisions exist for missing personnel families. Family pension and other benefits can be claimed after following prescribed procedure.
For Your Case
Documents Required
- PPO (Pension Payment Order)
- Service/Discharge certificate
- Bank statements showing pension
- PCDA correspondence
- Calculation sheets (if available)
- Death certificate (for family pension)
- Relationship proof (for family pension)
- Any rejections/orders being challenged
Connected Services
Related Practice Areas
Disability Pension →
Disability-related pension claims
OROP Matters →
One Rank One Pension issues
Armed Forces Tribunal →
For pension appeals
Army Law →
Service-specific issues
Pension Issues? We Can Help.
Your pension is your right earned through years of dedicated service.
Don’t let calculation errors or bureaucratic delays reduce your entitlement.
Pension Calculation Review