Financial Assistance Scheme for 100% Disabled Child Of Ex-Servicemen

Launched in 2007, the Financial Assistance Scheme for 100% Disabled Children of Ex-Servicemen (RMEWF) initially provided a stipend of Rs 500 per month, which was raised to Rs 1,000 effective October 2011. This assistance enables ex-servicemen (ESM) and their widows to better care for their disabled children.

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

As per the DESW, MoD letter No. 5(1)2021-D(Res-II) dated July 9, 2021, starting from August 1, 2021, the monthly assistance has been increased to Rs 3,000, paid annually for each child. This scheme is designed to offer comfort and alleviate the financial burden for ex-servicemen and the widows of ex-servicemen who have children with 100% disabilities.

Applications for this scheme are open to ex-servicemen and their widows holding ranks up to Junior Commissioned Officer (JCO) or equivalent in the Navy or Air Force, provided they are not receiving similar benefits from any other official agency.

Advantages of The Scheme

This scheme provides huge financial assistance to ex-servicemen and widows with 100 percent disabled children so that the welfare of the children is taken care of.

  • A yearly payment of Rs. 30,000 per kid is made to qualified Ex-Servicemen or their widows as monthly financial help.

  • The financial support is non-transferable and will end immediately if the child passes away.

What Are the Eligibility Criteria?

To avail of this benefit, both the child and the ex-servicemen or their widow need to fulfill a set of conditions. Check the below eligibility criteria to avail of this scheme:

  • The child must be the widow's or ESM's legitimate offspring.

  • ESMs should have at least a JCO rank or equivalent in the Air Force or Navy.

  • The kid ought to be totally incapacitated.

  • Must not receive any disability benefits from government agencies.

  • It must be suggested by the relevant Zila Sainik Board (ZSB).

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Online Application Process

The application procedure is straightforward and can be accessed through the KSBs official website. Follow the below-mentioned process to apply for the scheme:

  • The Kendriya Sainik Board Secretariat (KSBS) official website can be accessed by qualified veterans or their widows at https://online.ksb.gov.in/registration.
    html

  • On the portal home page, select the "Register" option.

  • The registration form will now appear; complete it with the required information.

  • Put the Image Online

  • By selecting the "Save" button, you can save the application. The password and saved information will then be sent to the registered email address.

  • To log into the KSB portal, click the activation link that was supplied to your email address.

  • After entering your username, password, and verification code, click "Login."

  • After choosing the scheme name, begin entering the necessary information in the new application form.

  • The online application must be submitted with copies of the supporting documentation that have been properly attested by the relevant Zila Sainik Welfare Officer (ZSWO).

  • Following the submission of the online application, ZSWO will review the submissions and schedule an appointment with the applicant for verification. 

  • ZWSO will propose the online application and send the hard copy and soft copy to the Kendriya Sainik Board (KSB) via Rajya Sainik Boards (RSBs) for additional processing following a successful verification.

Processing at KSB Secretariat

The Kendriya Sainik Board (KSB) Secretariat ensures that a smooth process of dealing with the application form comes into action once this reaches the board, respectively.

  • When the Kendriya Sainik Board receives the application, the Section-in-Charge checks it and uploads the printed list for JD (Welfare) approval. 

  • The responsible authority is then asked to approve these petitions in one batch, ideally every quarter.

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Payment Method

Following approval, the Welfare Department processes the submitted application for grant payment in batches of 200 applications.

  • The Welfare Department sends the batch list to the Accounts Section for payment after confirming the account number, name, bankers, IFSC Code, and service number. 

  • The Accounts Section then pays the amount due either immediately through the Electronic Clearing System (ECS) or by account payee check.

Subsequent Grant

Every year, on or before January 15th, the relevant Zila Sainik Board (ZSB) must receive Life and "Disability Certificates" in the format required by the government to continue receiving grants for the following fiscal year. Renewal applications are automatically sent to the Welfare Department by March 1st. Subsequently, the welfare department requests approval from the Kendriya Sainik Board to continue providing financial assistance for the upcoming fiscal year.

Follow the Status of Your Application

Applicants may easily trace the online status of their applications. Track your application by following the below process:

  • The applicant needs to go back to the same website: https://ksb.gov.in/index.htm. 

  • On the portal's home page, select the "Status of application" link.

  • Input your verification code and DAK ID now. 

  • Press the "Search" button.

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Documents Needed

The application must be accompanied by copies of the following documents, all properly attested by the Zila Sainik Welfare Officer (ZSWO):

  • A photocopy of the discharge book, which needs to include the child's entry.

  • ZSB-issued Dependent Identity Cards and Ex-Servicemen.

  • A 100% disability certificate from a government or military hospital.

  • Details of IFS Code and Bank Account Number (in PNB/SBI only).

The RMEWF Financial Assistance program plays an important role in supporting the ex-servicemen and their families, particularly as they provide relief to 100 percent disabled children. Because of this simplification process of application and payment, timely assistance reaches the eligible beneficiary of this scheme in time. If you are among them, do not hesitate to apply for the much-needed support for your child's brighter future. You could also consider other child education plans to ensure financial security for your child.

FAQs

  • What is the validity of this scheme?

    The benefit of this system is good throughout the child's lifetime. However, a "life certificate" and a "disability certificate" in the government-approved format must be presented through the relevant ZSB by 15 January for the grant to be continued in the next fiscal year.
  • What is the frequency of benefits?

    The financial assistance will be provided once each year.
  • What is the child benefit for ex-servicemen?

    Financial aid of Rs. 1000/- per month per head (up to a maximum of two children) is awarded to eligible ex-servicemen and widows for the preceding academic year, payable in one installment throughout the fiscal year.

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^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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