The Department of Pension and Pensioners’ Welfare recently extended Fixed Medical Allowance (FMA) benefits to retirees under the National Pension System (NPS). Although this benefit aims to support pensioners with monthly medical expenses, many NPS retirees have reported delays in receiving these payments. Below, we explore the main reasons for these hold-ups and what retirees can do to ensure timely disbursement.
Eligibility Requirements for FMA
NPS retirees must meet certain eligibility criteria to qualify for the FMA. First, they should have at least ten years of qualifying service, except in cases involving disability or death. Moreover, retirees must live in areas not covered by the Central Government Health Scheme (CGHS) and must avoid using CGHS outpatient services after retirement if they opt for the FMA.
Application Process and Common Errors
To initiate FMA payments, eligible pensioners must submit a completed application with photos, signatures, and family details. Additionally, they need to include a nomination form. However, many applicants fail to provide these forms, resulting in disbursement delays. Pensioners should ensure they complete all required paperwork and submit it to the Director of Postal Accounts through their Divisional Office.
Quarterly Payment Schedule
Unlike regular monthly pensions, FMA payments are made on a quarterly basis. This schedule can also contribute to perceived delays, as retirees may have to wait for the next cycle if they miss a submission deadline. Payments are scheduled as follows:
- December to February: paid in March
- March to May: paid in June
- June to August: paid in September
- September to November: paid in December
For uninterrupted FMA payments, retirees must submit a life certificate—either digital or physical—every November. This document is essential to confirm eligibility and ensure payments continue from January onward. Missing this step can result in delayed or missed payments, making it important for retirees to comply with this annual requirement.