When you get married, you make promises to be with each other for as long as you can imagine. But life is uncertain and the loss of a loved one can leave a lot of dreams and aspirations hanging.
The death of your husband can shake your whole world. The pain of losing your partner is extremely hard to take. Your partner’s passing will not only take a toll on you mentally, as you will have to live the rest of your life without him, but financially as well.
Have you ever thought about how you and other members of the family will deal with the expenses if your husband dies? If your partner is the sole breadwinner of your family, then his death will lead to a financial struggle as his income will no longer be there to support you.
Also Read - Family Pension
To address this issue, the government has come up with a social security scheme to support you financially. One such initiative is the Widow Pension Scheme. This scheme is also referred to as the "Vidhwa Pension Yojana".
The scheme offers minimum regular income support to widowed women who may not have any other income.
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Regular income is necessary when you have a household to run and to look after the needs of growing children. The widow pension scheme has been introduced to support bereaved women. A regular pension will be provided by the government so that widows can earn a living and be self-sufficient.
If you are in such a situation, then there are certain criteria that you must fulfil to be enrolled in this pension yojana. Let us look at them one by one.
The following criteria must be met by the women to be eligible under the widow pension scheme.
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If you fall under the eligibility criteria listed above, then you are eligible to receive the pension under the Widow Pension Scheme.
This is a country-wide scheme introduced by the government. All the states have their own widow pension schemes.
Here is how you can open your account.
The online process is simple and convenient to follow with these steps:
The process of enrolling under the Widow pension scheme is different for each state. To fill out the form online, you need to visit the official website of the state you live in.
Register on the site if asked and go on to fulfil the online application form. Enter the required details and click on submit.
After entering your details, you need to submit the necessary documents for verification. Upload a copy of the asked documents and submit the form.
You need to have the following documents to be able to open your account and receive the pension.
- Passport size photograph
- ID proof (Aadhar Card, Voter ID, etc)
- Address Proof
- Original death certificate of husband
- Birth certificate
- Bank Account Details
- Income Proof
There are several state-specific widow pension schemes that offer additional support and may have different eligibility criteria.
If you do not want to submit your application online, you can opt for the offline method as well. For this purpose, you need to visit either the municipal corporation office or the Panchayat office. You can get the application form here. Carry the list of necessary documents with you.
After you submit your documents, they will be verified. Your account will be opened after verification. The amount will be transferred every month to your linked bank account.
The pension that you will receive monthly in the widow pension scheme depends on the state you live in and your age.
The minimum amount is Rs 300 per month. However, most of the states offer more than this amount.
Here is the pension offered by some of the states:
| State | Monthly Pension Amount |
| Uttar Pradesh | Rs 300 Rs 500 (if the age is more than 80 years) |
| Maharashtra | Rs 600 Rs 900 (if there is more than one child) |
| Rajasthan | Rs 500 (if age is less than 55) Rs 1000 – 1500 (if age is more than 55) |
| Uttarakhand | Rs 1200 |
| Gujarat | Rs 1250 |
| Delhi | Rs 2500 (Quarterly) |
| Haryana | Rs 1800 |
* Rates as of 15 Feb 2022
We must be prepared for all the challenges life may throw at us. Financial preparedness should top that list. Thus, to make sure your family does not have to suffer financially, consider purchasing an annuity or a life insurance plan.
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If the breadwinner is still present and supporting the family, investing in a pension plan is a must. Pension plans from life insurance companies offer the necessary financial support to the surviving members in the event of your untimely death.
Certain pension plans, such as the Guaranteed Income4Life Plan, offer a higher pension amount with the same reliability as the social security scheme. Additionally, these pension plans also have a life cover. The life cover will also provide your family with a lump sum amount upon your untimely demise.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised to exercise their caution and not to rely on the contents of the article as conclusive in nature. Readers should research further or consult an expert in this regard.
The Indira Gandhi National Widow Pension Scheme (IGNWPS) is a crucial social security programme that provides financial aid to widows in India. It helps ensure a minimum level of income for those who may be struggling financially after the loss of their spouse. While the eligibility criteria and pension amounts may vary by state, the scheme offers much-needed support during a difficult time.
If you are a widow in India and believe you may be eligible for the IGNWPS, we recommend contacting your local authorities or visiting the relevant state government website for further details and application procedures. Remember, financial preparedness is essential. Consider exploring additional options like life insurance or pension plans to create a more secure future for yourself and your family.
Widows aged 18-60 (criteria may vary by state) who belong to a Below Poverty Line (BPL) household are eligible for IGNWPS.
The eligibility criteria for monthly widow pension under IGNWPS are:
Age 18-60 (may vary by state)
Below Poverty Line (BPL) household
Unmarried
No employed children
No, the IGNWPS is meant for widows, not parents.
Here’s the list of people not eligible for a widow’s pension:
Widows above the poverty line
Widows remarried after spouse's death
Widows with employed children (criteria may vary by state)
No, IGNWPS is a separate benefit for widows. They cannot collect their husband's pension.
Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.
