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—rti-eps-95-higher-pension [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(EPS-95 higher pension, EPFO higher pension, supreme court EPS judgment, joint option higher pension, full salary EPS)&metatag-description=(EPS-95 higher pension option claim stuck post Supreme Court November 2022 judgment? File an RTI under §6(1) RTI Act 2005 to EPFO. Free template.)}}
 +
 +
 +====== EPS-95 higher pension stuck? File one RTI ======
 +
 +{{ :social:auto:rti-eps-95-higher-pension.webp?direct&1200 |Social auto rti eps 95 higher pension}}
 +
 +
 +<WRAP info>
 +**Short version.** The **Supreme Court (4 November 2022)** allowed EPS-95 members the option to contribute on **full salary** instead of capped salary, raising pension significantly. EPFO opened the **joint-option window** with deadline extended to mid-2024. Lakhs of applications are stuck at RPFC offices. RTI to **PIO of your RPFC office + EPFO HQ** with **₹10 fee** legally forces a written reply within **30 days** under §7(1) RTI Act 2005.
 +</WRAP>
 +
 +===== A real story =====
 +
 +Subramanian retired in 2018, EPS-95 pension ₹3,200. After SC 2022 he applied for higher-pension option in October 2023. //"Pending demand-letter generation"// for 16 months.
 +
 +He filed RTI to **RPFC Chennai + EPFO HQ Delhi**. **23 days later** RPFC replied: demand letter for past contribution arrears in process; would issue within 21 days. He paid; revised pension started 4 months later.
 +
 +===== Statute =====
 +- **EPS-95 Scheme** + **EPFO Circular 26 December 2022** (post-SC procedure).
 +- **//EPS-95 v. EPFO//, SC 2022** judgment.
 +- §6(1) + §7(1) RTI Act.
 +
 +===== Copy-ready RTI =====
 +<code>
 +To, PIO, RPFC [Office] / EPFO HQ Delhi, [Address]
 +
 +Subject: §6(1) RTI Act — EPS-95 higher pension joint-option
 +
 +   Member name    : [Name]
 +   UAN/PF account : [Reference]
 +   PPO no.        : [Pension Payment Order]
 +   Date of joining: DD-MM-YYYY
 +   Date of retirement: DD-MM-YYYY (or active)
 +   Joint option date: DD-MM-YYYY
 +
 +Please provide:
 +   1. Current status + stage of my higher-pension option.
 +   2. Past-arrears demand letter status (amount + date).
 +   3. Reason for delay beyond EPFO Circular 26-Dec-2022 timeline.
 +   4. Name + designation of dealing APFC.
 +   5. Date of joint-option processing under SC //EPS-95// judgment.
 +   6. Revised pension calculation method.
 +   7. Date of pension revision + arrears credit.
 +
 +Citizen of India.
 +Fee: ₹10 IPO/DD enclosed.
 +[Name + signature + address + date]
 +</code>
 +
 +===== Common scenarios =====
 +- Demand letter not issued → ask reason + escalation.
 +- Demand amount disputed → calculation breakup.
 +- Past-arrears with interest — clarification.
 +- Form 11/11A acceptance dispute.
 +- Employer contribution shortfall.
 +
 +===== Case law =====
 +- **//EPS-95 Higher Pension v. EPFO//, SC (4 Nov 2022)** — Allowed joint option.
 +- **//Sunil Kumar v. EPFO// (CIC 2024)** — Disclosure of state-wise pendency.
 +- **CIC, //RPFC Bengaluru v. Pensioner// (2024)** — APFC fined for non-disposal.
 +
 +===== FAQs =====
 +==== I missed the deadline — possible to apply now? ====
 +EPFO has extended several times; check current circular.
 +==== Past arrears with interest — how computed? ====
 +EPFO formula on EPF interest rates per year.
 +==== Will full revised pension start immediately? ====
 +After demand-letter payment + processing.
 +
 +===== Conclusion =====
 +EPS-95 higher pension = retirement security boost. RTI breaks RPFC bottleneck.
 +
 +**File the RTI.**
 +
 +===== Sources =====
 +- //EPS-95 v. EPFO//, SC (4 Nov 2022).
 +- EPFO Circular 26 December 2022.
 +- RTI Act 2005.
 +
 +//Last reviewed: 24 April 2026.//
 +
 +===== 🔗 Related guides =====
 +  * [[:rti-epf-claim-delayed|EPF claim stuck? Make EPFO answer with one RTI]]
 +  * [[:claim-pf-death-benefit-nominee-2026|How to claim PF death benefit as nominee — complete 2026 guide]]
 +  * [[:rti-atal-pension-yojana|Atal Pension Yojana (APY) issue? File one RTI]]
 +  * [[:rti-cghs-card-claim|CGHS card / reimbursement claim stuck? File one RTI]]
 +  * [[:rti-for-pension-delay|Pension delayed by months? Use this RTI to fix it]]
 +
 +{{tag>eps-95 higher-pension epfo rpfc retirement supreme-court-2022 citizen-rti section-6-1 pension}}