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Exservicemen Keep in mind -Must Avoid These 30 Mistakes
Retirement from defence service is not the end of responsibilities—it is the beginning of documentation-driven survival for your family.
Thousands of widows and dependents face pension stoppage, legal battles, and financial distress not because rules are harsh, but because basic post-retirement formalities were ignored.
This article analyses 25 most dangerous post-retirement mistakes that silently destroy family security.
SECTION I
Career, Skill & Financial Planning Failures (1-5)
These mistakes do not show impact immediately—but ruin life within 2–5 years of retirement.
1. No Planning for After-Retirement Career
Analysis
Most soldiers retire between 35–54 years, when they still have 20–25 productive years left.
Consequences
- Forced into low-paying security jobs
- Loss of dignity and self-worth
- Dependency on pension alone
Corrective Action
Plan second career at least 5 years before retirement.
2. No Educational Qualification Gained During Service
Analysis
Many soldiers leave service with outdated or minimum qualifications, despite having time and opportunity.
Consequences
- Disqualified from government and PSU jobs
- Corporate sector rejection
Corrective Action
Complete:
- Graduation
- Distance education
- Skill-based diplomas
3. Not Updated on Qualitative Job Requirements
Analysis
Civil job market changes rapidly.
Consequences
- Application rejected due to eligibility mismatch
- Overconfidence based on service rank
Corrective Action
Regularly track:
- SSC / PSU / State job eligibility
- Corporate job descriptions
4. No Technical or IT Skill Gained During Service
Analysis
Modern employment demands digital literacy.
Consequences
- Limited to unskilled or semi-skilled jobs
- No career growth
Corrective Action
Learn:
- Basic computer operations
- Excel, data handling
- Cyber awareness
- Trade-specific IT tools
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5. No Financial Planning or Proper Investment
Analysis
Pension is income, not wealth.
Consequences
- Pension exhaustion due to inflation
- Medical emergencies wipe savings
- Dependents face hardship
Corrective Action
Plan for:
- Diversified investments
- Medical contingencies
- Spouse survival planning
6. Not Registered with Zila Sainik Board (ZSB)
Analysis
ZSB is the first and most powerful welfare gateway for ex-servicemen.
Consequences
- No access to welfare schemes
- No help during widow pension issues
- No legal or medical facilitation
Corrective Action
Register immediately with correct documents and obtain ZSB Identity Card.
7. Permanent Address Not Updated
Analysis
Most official communication depends on the address in records.
Consequences
- Notices never reach family
- Pension queries remain unresolved
- Widow cannot prove residence
Corrective Action
Update address in ZSB, Bank, ECHS, SPARSH/PCDA.
8. Errors in Pension Book
Analysis
Pension book errors silently create future rejection.
Consequences
- Pension revision rejected
- Family pension delayed
Corrective Action
Verify rank, service number, qualifying service, disability details.
9. PPO Issued Without Spouse Details
Analysis
A PPO without spouse is a time bomb.
Consequences
- Family pension denied
- Widow forced into litigation
Corrective Action
Ensure spouse name, DOB, and relation are clearly mentioned in PPO.
10. Spouse Name / DOB Mismatch
Analysis
Even one letter mismatch can block benefits.
Consequences
- Bank freezes pension
- ECHS rejects card
Corrective Action
Rectify through Record Office → PCDA → Bank endorsement.
11. Spouse DOB Missing in PPO
Analysis
DOB determines eligibility and identity.
Consequences
- Family pension delayed
- KYC failure
Corrective Action
Get DOB endorsed officially in PPO
12. Children Details Not Recorded
Analysis
Children eligibility depends on PPO record.
Consequences
- Education benefits denied
- Orphan benefits rejected
Corrective Action
Record children details in PPO through proper channel.
13. Corrections Not Endorsed by ZSB
Analysis
Unauthenticated corrections are invalid.
Consequences
- Bank rejects changes
- Legal disputes arise
Corrective Action
All corrections must be endorsed by ZSB.
14. No Joint Pension Account
Analysis
Single-name accounts collapse after death.
Consequences
- Pension stopped
- Widow helpless
Corrective Action
Convert to Joint Account (Either or Survivor).
15. ECHS Card Not Made
Analysis
ECHS is medical lifeline.
Consequences
- No cashless treatment
- Heavy medical expenses
Corrective Action
Apply immediately after retirement.
16. Wrong Aadhaar / PAN Details
Analysis
Mismatch blocks DBT and verification.
Consequences
- Pension frozen
- Life certificate rejected
Corrective Action
Correct Aadhaar-PAN-Bank linkage.
17. Marriage Not Reported
Analysis
Unreported marriage = spouse legally invisible.
Consequences
- Family pension denied
Corrective Action
Report marriage to Record Office + Bank + ZSB
18. Spouse Death Not Reported
Analysis
Records must reflect reality.
Consequences
- Overpayment recovery
- Legal complications
Corrective Action
Report death with certificate immediately.
19. Second Marriage Not Recorded
Analysis
Second marriage without record creates legal chaos.
Consequences
- Both spouses denied pension
- Court cases
Corrective Action
Officially record second marriage after legal compliance.
20. Second Spouse Name Missing in PPO
Analysis
PPO decides entitlement—not verbal claims.
Consequences
- Pension denied
- Long litigation
Corrective Action
Get revised PPO issued.
21. Disabled Child Not Recorded
Analysis
Disabled children have lifetime entitlement.
Consequences
- Pension stopped after parents’ demise
Corrective Action
Record disability with medical board certificate.
22. No Dependent Identity Cards
Analysis
Dependent ID is entry pass to welfare.
Consequences
- Limited entry to Military Installations
- Easy access / identification in Welfare schemes
Corrective Action
Make dependent ID cards immediately.
23. Pension Account Not Converted to DSP (SBI)
Analysis
Defence pension requires DSP code.
Consequences
- Delayed pension
- Bank confusion
Corrective Action
Convert account to Defence Salary Package (DSP).
24. No Checklist for Spouse After Demise
Analysis
Widows panic without guidance.
Consequences
- Delays
- Exploitation
Corrective Action
Prepare a step-by-step checklist for spouse.
25. Document Locations Not Shared
Analysis
Families don’t know where documents are kept.
Consequences
- Claims delayed
- Benefits lost
Corrective Action
Create a document folder + index.
26. Spouse Unaware of Offices (ZSB/Bank/ECHS)
Analysis
Knowledge gap is deadly.
Consequences
- Dependence on agents
- Financial loss
Corrective Action
Personally introduce spouse to all offices.
27. No Emergency Contact List
Analysis
Crisis exposes unprepared families.
Consequences
- Delayed action
- Mental stress
Corrective Action
Prepare emergency contact list.
28. Nominees Not Updated
Analysis
Old nominations override reality.
Consequences
- Money goes to wrong person
Corrective Action
Update nominees in Bank, PPO, Insurance.
29. Passwords & Logins Not Shared
Analysis
Digital life dies with the individual.
Consequences
- Accounts inaccessible
- Financial loss
Corrective Action
Maintain a sealed password record.
30. No WILL = Family Disputes
Analysis
No Will equals legal war.
Consequences
- Court cases
- Family breakdown
Corrective Action
Prepare a simple registered Will.
Final Reality Check
Bravery wins wars.
Documentation wins pensions.
Skills win respect.
Planning wins peace.
A soldier retires once—but the family retires forever with the consequences.
What You Should Do NOW
Audit your documents Audit your skills Audit your finances Train your spouse Write your Will
Final Warning
A soldier prepares for war.
A veteran must prepare for paperwork.
A family survives only if documents are ready.
Exp:3%
NOTIONAL FIXATION USING BASIC PAY FROM 3rd CPC TO 7th CPC
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