Page 1 of 18 Private Circulation for LIC Pensioners only ( A monthly e - Magazine of LIC Retired Class I Officers’ Association, Kolkata ) Mar, 2016 ( Year - 2013 : Issue - 2, Year - 2014 : Issue – 12, Year - 2015 : Issue – 12), Year - 2016 : Issue - 3 ) Chief Editor : Basudeb Das Editorial Board S.K. Mazumder A.K. Goswami D.K. Ghosh S.K. Ghosh A.K. Mahato T.K. Sanyal S.Mukhopadhyay IN THIS ISSUE: Editorial………………...1 Assocn News……...…2 Financial News………3 Pension Anmaly…..…7 Of Interest……...…...10 Jokes.………………..…11 Health Tips………..…11 Members’ Tour……..16 Welcome News..….17 Readers’ Views …….17 Note……….…….....….18 EDITORIAL TIMELY JUSTICE IS FOR RICH AND POWERFULS ONLY Our appeal case of three years’ old did not find space in Supreme Court because of high profile Arunachal Govt constitutional dilemma. Poor LIC pensioners again became victim of the situation for highenders’ litigation. Speedy trials in cases involving rich and powerful defendants have perturbed not only the common people, but also the top judicial body in the country. The Supreme Court, through a series of observations, admitted several times that the Indian judiciary was ignoring the common man while giving priority to rich, powerful and influential people in hearing cases - and said some serious introspection was called for in this regard. Let us refer some of it : "Sometimes, I wonder at my system. Here is an appeal of the year 2013 which gets a quick hearing. In how many cases are we doing so? That's why poor man feels that the system cares only for known persons and the unknown persons (common man) gets ignored," a bench of justices H L Dattu and S J Mukhopadhaya said on September 12, 2013 while dismissing the plea of former Haryana Chief Minister Om Prakash Chautala. Another bench of Justice B S Chauhan and Justice S A Bobde while dismissing the anticipatory bail plea of IPS officer P P Pandey, accused in Ishrat Jahan fake encounter case, on August 12, 2013 said: "We are sorry to say that the court's time is being used by senior advocates and big criminals. We can say on oath that only 5 per cent of the time is being used for common citizens, whose appeals are waiting for 20 or 30 years. This court has become a safe haven for big criminals. You come here for the sixth or eighth time for anticipatory bail and we should hear as if we were a trial court." The issue was first brought to the fore in December 2011 by a Delhi High Court judge S N Dhingra, who said: "…criminal justice system needs overhauling so that the constitutional mandate of equality before law is made meaningful and it should not be the case that higher courts are kept occupied by the person with money or power, as is the case today". Justice Dhingra issued an order that in all such cases where appellants are in jail and sentence is not suspended, courts should fix a time limit for disposing of such appeals. Lawyer Manish Khanna, who has been fighting for speedy trial for the poor, said: "It is a well known fact that hearing pattern in most courts change when petitions of the rich and powerful come up. Senior advocates who appear for them get special attention." Khanna, through an RTI query, sought to know recently if the High Court, after justice Dhingra's order put in place any policy on giving speedy hearing to persons in jail and the reply he got was "issue under submission to the authorities". LIC pensioners are the victory of this judicial tradition and we have to live with it. Those who are in the helm of affairs have many fronts to tackle for political gains excepting these burning issues. Why the cases of Senior Citizens whose days are numbered will not be heard in first track courts? Why they will have to run with others for years together when their tenure of life is limited? Is it possible to lead movement for this by Senior Citizens. Who will eradicate this social injustice? Nobody knows the answer. We will have to wait for justice till we leave this world like our predecessors.
Transcript
Page 1 of 18
Private Circulation for LIC Pensioners only
( A monthly e - Magazine of LIC Retired Class I Officers’ Association, Kolkata )
Mar, 2016 ( Year - 2013 : Issue - 2, Year - 2014 : Issue – 12, Year - 2015 : Issue – 12), Year - 2016 : Issue - 3 )
Chief Editor :
Basudeb Das
Editorial Board S.K. Mazumder
A.K. Goswami
D.K. Ghosh
S.K. Ghosh
A.K. Mahato
T.K. Sanyal
S.Mukhopadhyay
IN THIS ISSUE:
Editorial………………...1
Assocn News……...…2
Financial News………3
Pension Anmaly…..…7
Of Interest……...…...10
Jokes.………………..…11
Health Tips………..…11
Members’ Tour……..16
Welcome News..….17
Readers’ Views …….17
Note……….…….....….18
EDITORIAL TIMELY JUSTICE IS FOR RICH AND POWERFULS ONLY
Our appeal case of three years’ old did not find space in Supreme Court because of high profile
Arunachal Govt constitutional dilemma. Poor LIC pensioners again became victim of the situation for
highenders’ litigation. Speedy trials in cases involving rich and powerful defendants have perturbed
not only the common people, but also the top judicial body in the country. The Supreme Court,
through a series of observations, admitted several times that the Indian judiciary was ignoring the
common man while giving priority to rich, powerful and influential people in hearing cases - and said
some serious introspection was called for in this regard. Let us refer some of it :
"Sometimes, I wonder at my system. Here is an appeal of the year 2013 which gets a quick hearing. In
how many cases are we doing so? That's why poor man feels that the system cares only for known
persons and the unknown persons (common man) gets ignored," a bench of justices H L Dattu and S J
Mukhopadhaya said on September 12, 2013 while dismissing the plea of former Haryana Chief
Minister Om Prakash Chautala.
Another bench of Justice B S Chauhan and Justice S A Bobde while dismissing the anticipatory bail
plea of IPS officer P P Pandey, accused in Ishrat Jahan fake encounter case, on August 12, 2013 said:
"We are sorry to say that the court's time is being used by senior advocates and big criminals. We can
say on oath that only 5 per cent of the time is being used for common citizens, whose appeals are
waiting for 20 or 30 years. This court has become a safe haven for big criminals. You come here for
the sixth or eighth time for anticipatory bail and we should hear as if we were a trial court."
The issue was first brought to the fore in December 2011 by a Delhi High Court judge S N Dhingra,
who said: "…criminal justice system needs overhauling so that the constitutional mandate of equality
before law is made meaningful and it should not be the case that higher courts are kept occupied by
the person with money or power, as is the case today". Justice Dhingra issued an order that in all such
cases where appellants are in jail and sentence is not suspended, courts should fix a time limit for
disposing of such appeals.
Lawyer Manish Khanna, who has been fighting for speedy trial for the poor, said: "It is a well known
fact that hearing pattern in most courts change when petitions of the rich and powerful come up.
Senior advocates who appear for them get special attention." Khanna, through an RTI query, sought
to know recently if the High Court, after justice Dhingra's order put in place any policy on giving
speedy hearing to persons in jail and the reply he got was "issue under submission to the authorities".
LIC pensioners are the victory of this judicial tradition and we have to live with it. Those who are in
the helm of affairs have many fronts to tackle for political gains excepting these burning issues. Why
the cases of Senior Citizens whose days are numbered will not be heard in first track courts? Why
they will have to run with others for years together when their tenure of life is limited? Is it possible
to lead movement for this by Senior Citizens. Who will eradicate this social injustice? Nobody knows
the answer. We will have to wait for justice till we leave this world like our predecessors.
Page 2 of 18
ASSOCIATION NEWS: [From the Desk of Secretary]
SUPREME COURT HEARING RE-SCHEDULED ON 10.03.2016 The only development, in the matter of our pension case on LIC’s Civil Appeals, is that the next date of hearing has been ordered to be listed for 10th of March’2016. Like every other past date of hearing, this time the poor pensioner friends are looking forward to the date expecting some positive thing to happen favouring us. We do not know what will happen on the day- another adjournment with the next date just before the summer vacation of the Supreme Court facilitating further adjournment with a date in the month of July? The LIC pensioners’ Community have become familiar with the English word ADJOURNMENT. LIC pensioners are making prayers to the almighty seeking HIS direction to the judges for hearing and delivery of the verdict favouring the pensioners. Let the things happen so that our belief upon the Indian judiciary is strengthened, not diluted. But, It will be too much to expect the culmination on 10th itself. Let us prepare ourselves, psychologically, for another round of two or more effective hearings before the CAs are finally disposed off.
Apart from the happenings on the legal front some positive happenings during the months of January and February in the matter of our Group Medi-claim scheme have taken place. One is LIC’s circular of 14th January’16 allowing the pensioners to opt for payment of Medi-claim premium through deductions from pension in every month starting from the pension of February’16. Many of our members have submitted their options to their respective pension disbursing offices before 15th February’16. The second one is option to increase the sum of insurance up to 30 lakhs. The pensioners are required to submit their options by 10th March’16 but are facing difficulties in exercising option to increase in the absence of premium rates for 25 and 30 lakhs insured sum as the option is irrevocable in terms of CO circular dt 12/02/2016.
The matter was taken up with CO by Sri CH Mahadevan, a leading luminary for Retired Class-I Officers' struggle, requesting to allow revocation considering the fact that the premium may be found to be prohibitive / unaffordable when the rate will be available. The CO has responded by issuing a circular dt 26/02/2016 allowing the pensioners to revoke their options within fifteen days of the availability of premium rates in the event of the premium for the increased sum becoming unaffordable.
We believe that our other demands like cost of domiciliary treatment, option to join medi-claim group insurance for those who could not join or left the scheme due to absence of cash-less benefits earlier, will see the light of the day soon.
We are, also, looking forward to the solution of the following :-
1) Revision of Dearness relief at every quarter instead of half-yearly. 2) Preventive health check up every two years interval for all retirees. 3) Improvement in our Family pension in line with RBI family pension. 4) waiver of existence certificates by some specified persons and introduction of self-certification.
Page 3 of 18
Many a times, we learn from different sources of experiencing unfriendly attitude in respect
of matters of retired employees and officers. But, our experience in the four metro Divisions
at Kolkata and EZO is different. We find the staff members and officers in the aforesaid
offices as co-operative and courteous.
We must specially mention the prompt effective services and responses that we have
received from the OS department of Kolkata Sub-urban Division. We are thankful to Senior
Divisional Manager, Mgr (OS), Officers and staff members for their pro-active actions in
informing the pensioners of the recent changes in the Group medi-claim scheme and
forwarding the option form.
We believe that all other offices of LIC will achieve the standard of services to the retired, as set by KSDO. Today’s employees and officers are tomorrow’s pensioners / retirees.
FINANCIAL NEWS:
Changes in Small Saving Schemes Interest Rates w.e.f. 1st April, 2016
Government has revealed the interest rates on small saving schemes which are to be effective from
1st
April, 2016. Government has reduced interest rates on short term small saving schemes by 0.25 per
cent while on the other hand interest rates on employees provident fund has witness a meagre increase
of .05 per cent to 8.80 per cent.
Along with changing interest rates, method of calculating interest on 10 years and 5 years National
Saving Certificate (NSC) and Kisan Vikas Patra (KVP) has also been changed. Earlier interest was used to
be compounded biannually which will now be compounded once in a year. Government has also
liberalized the Public Provident Fund (PPF) withdrawal rules in case of genuine cases such as serious
ailment and higher education of children. However, penalty of 1% shall be reduced from the interest
payable on the whole deposit and only for the accounts having completed five years from the date of
opening.
Further, Finance Ministry has also decided to link some small saving schemes to government securities
(G-Secs or Gilts) yields namely one, two and three-year post office term deposits, Kisan Vikas Patra
(KVP), and five-year recurring deposit (RD) and revise interest rates of these schemes on quarterly basis
i.e. for April to June Quarter, Government will notify interest rates in March and similarly for July to
September Quarter, interest rates will be notified one month before i.e. in June.
However, not all small saving schemes have been tampered currently. Long-term investment schemes
like Post Office Monthly Investment Scheme (MIS), Public Provident Fund (PPF), Senior Citizen Savings
Scheme (SCSS), Five-year National Savings Certificate (NSC) and Sukanya Samriddhi Account (SSA) will
remain same as of now.
Page 4 of 18
LIC REVISED GROUP MEDICLAIM COVER UPTO 30 LAKH WEF 01.04.2016
Page 5 of 18
Page 6 of 18
Page 7 of 18
PENSION ANOMALY CHART AS AT 1/2/2016 AFTER 62 DR SLABS ADDED FROM 1/2/2016
ASSISTANT
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/7/1992 1545 15402 11833
1/8/1992 to 31/7/1997 3210 16636 10599
1/8/1997 to 31/7/2002 4498 15888 11346
1/8/2002 to 31/7/2007 8445 22947 4288
1/8/2007 to 31/7/2012 10525 23155 4079
1/8/2012 to 31/1/2016 20040 27234 0
HIGHER GRADE ASSISTANT
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/7/1992 1730 16997 17073
1/8/1992 to 31/7/1997 3695 18877 15193
1/8/1997 to 31/7/2002 5598 19774 14296
1/8/2002 to 31/7/2007 9813 26664 7406
1/8/2007 to 31/7/2012 13145 28919 5151
1/8/2012 to 31/1/2016 25070 34070 0
ASSISTANT ADMINISTRATIVE OFFICER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 2130 20050 22294
1/4/1993 to 31/7/1997 4255 20704 21640
1/8/1997 to 31/7/2002 7008 24754 17589
1/8/2002 to 31/7/2007 10455 28408 13935
1/8/2007 to 31/7/2012 16320 35904 6440
1/8/2012 to 31/1/2016 31158 42344 0
ADMINISTRATIVE OFFICER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 2260 20486 24229
1/4/1993 to 31/7/1997 4485 21192 23523
1/8/1997 to 31/7/2002 7368 26026 18689
1/8/2002 to 31/7/2007 11015 29930 14785
1/8/2007 to 31/7/2012 17230 37906 6809
1/8/2012 to 31/1/2016 32903 44715 0
ASSISTANT DIVISIONAL MANAGER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 2525 21375 29591
1/4/1993 to 31/7/1997 4975 22233 28734
1/8/1997 to 31/7/2002 8125 28700 22267
1/8/2002 to 31/7/2007 12315 33462 17504
1/8/2007 to 31/7/2012 19630 43186 7781
1/8/2012 to 31/1/2016 37503 50967 0
DIVISIONAL MANAGER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 2675 21879 32214
1/4/1993 to 31/7/1997 5225 22764 31328
1/8/1997 to 31/7/2002 8575 30289 23803
1/8/2002 to 31/7/2007 12965 35228 18864
1/8/2007 to 31/7/2012 20830 45826 8266
1/8/2012 to 31/1/2016 39803 54092 0
Page 8 of 18
SENIOR DIVISIONAL MANAGER/DY ZONAL MANAGER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 2975 22886 37655
1/4/1993 to 31/7/1997 5725 23826 36715
1/8/1997 to 31/7/2002 9500 33557 26984
1/8/2002 to 31/7/2007 14303 38864 21677
1/8/2007 to 31/7/2012 23305 51271 9270
1/8/2012 to 31/1/2016 44548 60541 0
ZONAL MANAGER
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 3275 23892 43946
1/4/1993 to 31/7/1997 6325 25101 42738
1/8/1997 to 31/7/2002 10600 37442 30396
1/8/2002 to 31/7/2007 15873 43130 24708
1/8/2007 to 31/7/2012 26105 57431 10408
1/8/2012 to 31/1/2016 49918 67839 0
EXECUTIVE DIRECTOR
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
1/8/1987 to 31/3/1993 3500 24648 50937
1/4/1993 to 31/7/1997 7000 26534 49051
1/8/1997 to 31/7/2002 11800 41681 33904
1/8/2002 to 31/7/2007 17503 47559 28026
1/8/2007 to 31/7/2012 29075 63965 11620
1/8/2012 to 31/1/2016 55618 75585 0
DEVELOPMENT OFFICERS
Period of retirement Gross Basic Pension( on
Maximum of Scale)
Gross Pension including DR as
at 1/2/2016
Present Monthly Loss on
account of non-upgradation
01.01.1986-31.03.1988 1190 12241 25184
01.04.1988-31.03.1995 1940 18808 18617
01.04.1995-31.07.1997 3760 19178 18246
01.08.1997-31.07.2002 6510 22995 14429
01.08.2002-31.07.2007 10090 27417 10008
01.08.2007-31.07.2012 14433 31753 5672
01.08.2012-31.01.2016 27538 37424 0
Note :
1.The Maximum Basic Pension in the various periods has been taken to correspond to maximum Basic Pension for the previous period to
avoid distortions due to stagnation increments/increase in span of pay scale in the various wage revisions
2.DISPARITY AT THE HIGHEST CADRE
a. A pre August 1997 retiree ED gets less than an Assistant retiring after 1/8/2012
b. An ED who retired between 1/8/1997 and 31/7/2002 gets less than an AAO retiring after 1/8/2012
c. An ED who retired between 1/8/2002 and 31/7/2007 gets less than an ADM retiring after 1/8/2012
d. An ED who retired between 1/8/2007and 31/7/2012 gets less than a ZM retiring after 1/8/2012
HOW NOTIONAL UPGRADATON WITH WEIGHTAGE IS PROVIDED FOR ALL PURPOSES OTHER THAN REAL UPGRADATION OF PENSION
As per the standard practice followed by LIC after every wage revision, administrative instructions are issued by LIC (1)for revision of
minimum pension,(2) revision of basic pay slabs for family pension determination and (3) revision of basic pay slabs for category
determination under group mediclaim .
The circular in respect of the first two items are yet to be issued or if issued, yet to come to the knowledge of pensioners. The first two relate
only to those who retire after the effective date of the wage revision before the effective date of next wage revision. But item (3) applies to
all the pensioners.
As regards item no (3), the circular issued by CO dt 12/2/2016 already contains revision of salary slabs for category determination as follows:
Page 9 of 18
Before 1/8/2012 From 1/8/2012 Scaled up amount based on
DA merger principle
Weightage provided for
revision of slabs (%)
(1)
Minimu
m of Slab
(2)
Maximum of
Slab
(3)
Minimum of
Slab
(4)
Maximum of
Slab
(5)
Minimum of
Slab
(6)
Maximum of
Slab
(7)
Minimum of
Slab
(8)(Col
4/Col
6)x100-100
Maximum of
Slab
(9) (Col
5/Col
7)x100-100
Category III 22146 42195 0 36796 14.67
Category II 22147 30749 42196 58689 36797 51089 14.67 14.87
Category
I
30750 58690 51091 0 14.87
Even though the circular does not specify that the categories of old retirees will remain the same as before as was the practice earlier, we
may expect a clarification to that effect from CO separately.
But what is significantly to be noted is that the old pensioners are treated notionally as having been provided upgradation of pension with
a weightage ranging from 14/67% to 14/87%( w.r .t the scales of pay prevalent just before 1/8/2012 who were in service as at 1/8/2012).
This is in recognition of the fact that that the old pensioners need to be given the same treatment in respect of mediclaim cover as the
present employees and latest retirees/Does this mean that LIC is magnanimous to provide notional upgradation of pension with weightage
when it has no need to pay any monetary benefits to the retirees on such revision? This is a point that the case managers will do well to
bring to the notice of the Supreme Court Bench to prove that LIC chooses to adopt the principle of weighted upgradation selectively where
it suits the Corporation.
COURTSEY : SRI C H MAHADEVAN, HEDERABAD
CENTRAL OFFICE IN ITS CIRCULAR REF : CO/PER/ER-A/120/2016 DT 26.02.2016 NOTIFIED THAT
INCREASED COVER AS PER CO CIRCULAR DT 12.02.2016 ONCE EXERCISED CAN BE REVOKED IF
PREMIUM FOUND UNAFFORDABLE WITHIN 15 DAYS FROM DATE OF CIRCULAR OF PREMIUM RATES
FOR THE POLICY YEAR 2016-17.
CH MAHADEVAN’S SUGGESTION :
“Arising out of the CO circular No CO/PER/ER-A/120/2016 dt 26-2-2016, as the CO have not appended any
revised option form with the circular, I suggest that those of the pensioners who exercise the
option for increased cover may add the following in the penultimate sentence of the option form before
submission to the OS dept: "except in terms of the CO Circular No CO/PER/ER-A/120/2016 dt 26-2-2016". After
this addition, the sentence will read as follows: "I confirm that this option is irrevocable i.e. cannot be revoked
by me except in terms of the CO Circular No CO/PER/ER-A/120/2016 dt
26-2-2016".
BUDGET 2016-17 : DIRECT TAX : MIDDLE CLASS GOT THE BLOW :
• No revision of Income Tax slabs/rates for FY 2016-17.
Only Relief of Rs 3,000 per year to taxpayers with taxable income below Rs 5 lakh per year ie under Sec
87A, existing relief is increased from Rs.2000/- to Rs.5000/- only.
• EPF/GPF/PPF, ie all PF withdrawals will be taxable from 01.04.2016. 60% of withdrawn amount will be
subject to tax and balance 40% will be non-taxable as per Budget proposal. This provision will be
applicaple for contribution to PF from 01.04.2016 onwards and contributions upto 31.03.2016 will
continue to enjoy tax rebate on withdrawal as usual.
Of course taxability of PF proceeds already raised hue and cry throughout the
country and it is expected that Govt may come out with some role back offers shortly for the relief of
the beneficiaries.
Page 10 of 18
OF INTEREST:
OLD AGE PRAYER
GK QUIZ
Q 1. Where was the word “BHARATBARSHA” first found?
Q 2. What is the time limit of singing our national anthem?
Q 3. What is the percentage of world population living in India?
Q 4 When Maternity leave was first introduced in India?
Q 5 In which planet of our solar system, the sun rises in the west and sets in the east?
Q 6 What was the earstwhile name of Mount Everest? (Answers in next issue)
GN SRIDHARAN’S BOOK:
Sri GN Sridharan’s book “A guide relating to legal aspects of immovable properties” is getting
released on 7/3/2016 at Chennai by Dr Subramanian Swamy. Sri G Rajagopalan, Additional Solicitor
General of India, will receive the first copy. The book is published by a renowned publisher C
Sitaraman & Co at Chennai. The same day, after the book release, a felicitation event will be
organised to commemrate his law firm "Sridhar and Masi" completing 25 years of practice in Madras
High Court.
Almighty GOD, you know that I am growing older. Keep me from becoming too
talkative, from repeating all my jokes and anecdotes, and particularly keep me
from falling into the tiresome habit of expressing an opinion on every subject.
Keep my mind free from recital of endless details. Give me wings to get to the
point. Give me the grace, dear God, to listen to others as they describe their aches
and pains. Help me endure the boredom with patience and keep my lips sealed,
for my own aches and pains are increasing in number and intensity, and the
pleasure of discussing them is becoming sweeter as the years go by. Teach me the
glorious lesson that occasionally, I might be mistaken, Keep me reasonably sweet.
I do not wish to be a saint, but a sour old person is the work of the devil. Make me
thoughtful, but not moody; helpful, but not pushy; independent, yet able to
accept with graciousness favours that others wish to bestow on me. Free me of
the notion that simply because I have lived a long time, I am wiser than those who
have not lived so long. I am older, but necessarily wiser! I do not approve of some
of the changes that have taken place in recent years, give me the wisdom to keep
my mouth shut.
Page 11 of 18
JOKES : BOTTLE IN HUMAN LIFE CYCLE
HEALTH GUIDE FOR PENSIONERS :
12 Home Remedies for Toothache
There is nothing quite as painful and frustrating as a toothache. The good news is that you can treat the toothache
with a dozen natural home remedies to help alleviate the pain. There's also a very good chance that you have most
of the items on the list inside your fridge, or kitchen cabinet drawers.
A toothache is the result of an irritated or inflamed pulp, which is situated within the central region of the tooth. The
sensitive nerve endings inside the pulp can get triggered by foods or beverages that are either too cold or too hot.
It's important to first get a better understanding of the most common causes and symptoms before you begin the
home remedies.
NOTE: None of these are a replacement for an actual dentist. These remedies will help you pass the time until your
dentist appointment or alleviate some of the pain after, but do not skip the dentist visit. Teeth problems are serious
health problems and should be treated as such.
Page 12 of 18
Causes of Tooth Pain:
Abscessed tooth
Infected gums (gingivitis)
Tooth decay
Damaged fillings
Dental injuries, such as a chipped or fractured tooth
Sinus infection
Wisdom teeth
Temporomandibular Joint Syndrome (TMJ)
Symptoms of Tooth Pain:
Swelling around the tooth
Fever
Headache
Foul-tasting drainage from the infected tooth
Sharp pain when pressure is applied to tooth
Sensitivity to hot or cold foods
12 Natural Home Remedies for a Toothache:
1) Cloves - When it comes to natural home remedies for tooth infections, there is nothing that ranks higher than
cloves! Cloves contain extremely powerful antibacterial, anti-inflammatory, and anesthetic properties that help
alleviate tooth pain. The anesthetic properties also help to fight off the infection.
The Remedy:
Take a pair of cloves and grind them with a little mix of olive oil or vegetable oil.
Apply the clove solution onto the affected tooth.
Dab clove oil solution onto a cotton ball, and rub directly on the affected tooth.
You can also mix a few drops of clove oil in half a glass of water, and use it as a mouthwash after the dabbing
process.
2) Warm Salt Water - All it takes is a glass of warm water mixed with a bit of salt, and you can reduce the pain of a
toothache. This homemade mouthwash solution will assist in fighting bacteria that causes tooth decay and infection.
The Remedy:
Mix half a spoon of common salt in a glass of very warm water.
Gargle thoroughly with the warm salt water solution.
Repeat a few times, or until you feel better.
3) Ice Cube - Head over to the freezer and pull out a couple of ice cubes. The ice cube helps numb the infected
nerves, which causes the horrible pain. Dentists use ice to test for sensitivity on teeth as well.
The Remedy:
Place an ice cube inside a Ziploc bag and wrap it in a thin cotton cloth.
Page 13 of 18
Hold the bag over your cheek near the aching tooth for a couple of minutes.
The ice will then indicate the exposed nerves. Take a bit of caution when applying the ice.
4) Salt and Pepper - The next remedy can be found on your kitchen table. Salt and pepper provide a wonderful relief
when combined together. The natural antibiotics inside the mouthwash can help ease the uncomfortable pain
within the pulp region.
The Remedy:
Mix equal amounts of regular table salt and pepper with a few drops of water. This will form a natural kind of paste.
Apply the paste directly on the tooth, and allow the paste to take effect for a couple of minutes.
Repeat process for a few days, or until tooth feels better.
5) Garlic - It's no secret that garlic is the "cure-all" when it comes to home remedies. Garlic is not only ideal for
treating a common cold, but also for treating toothaches. Garlic contains a bunch of antibiotic properties that can
help get rid of tooth pain.
The Remedy:
Mix a clove of crushed garlic or use some garlic powder together with a sprinkle of table salt, and apply to the
painful tooth.
You can even chew on a few cloves of garlic for some quick relief.
Continue the garlic remedy for several days, or until pain stops.
6) Asafetida - The powdered gum resin inside the Asafetida can help reduce pain during a toothache, and for
bleeding gums. The odor of the Asafetida might not be too pleasant, but the natural pain remedy is worth the bad
smell!
The Remedy:
Add a pinch of powdered Asafetida with lemon juice.
Warm up the solution, and use a cotton pad to apply the mixture on the affected area.
Asafetida can also be fried in clarified butter, and placed inside the tooth cavity for instant relief.
7) Baking Soda - Baking soda helps whiten your teeth and acts as a natural painkiller for toothaches, when mixed
together with a bit of water. Baking soda promotes quicker healing of painful or swollen gum tissues, which is the
reason why many toothpastes feature the sodium bicarbonate on the labels.
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The Remedy:
Take a cotton swab and moisten it with a bit of water.
Dip the wet cotton swab in baking soda. Coat the swab really well so that it absorbs the baking soda before applying
to infected tooth.
A mouth rinse can be made by mixing a large spoonful of baking soda into a small glass of warm water. Let the
baking soda dissolve before swishing the rinse in your mouth.
8) Lime or Lime Juice - The citric acid of the lime juice helps kill the germs that causes tooth infection. Lime juice
also contains vitamin C, which keeps your teeth protected against decay. Mixing lime juice and baking soda can also
help whiten teeth.
The Remedy:
Lime Juice
Combine the lime juice together with Asafetida to form a paste.
Apply the lime paste on the infected tooth.
Keep your mouth slightly open to allow the paste to dry on the tooth.
Apply the paste 2-3 times a day to reduce the pain.
Limes
Cut a lime wedge or slice, and bite directly into it. Try to extract some of the juice.
Allow the lime to sit outside for a bit if you’re feeling any sensitivity to cold.
Repeat process as needed, or until pain goes away.
9) Vanilla Extract - Vanilla extract contains Eugenol, which has antiseptic and analgesic properties that are used to
fight off tooth decay. The Eugenol helps get rid of that unwanted toothache, and provides a quick pain relief
solution.
The Remedy:
Saturate a cotton swab or cotton ball with 3-4 drops of vanilla extract, and place on affected tooth.
Use your finger to rub the vanilla extract on the affected area. Make sure you wash your hands thoroughly
beforehand.
Repeat process until pain goes away.
10) Onion - Onions offer great pain relief to people suffering from tooth abscesses or sensitive gums. Onions are
highly regarded by dentists for their natural and powerful antimicrobial properties. Onions have even been
compared to taking 8 Advil capsules, or an entire bottle of Orajel!
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The Remedy:
Slice a piece of fresh onion and hold it inside your mouth.
Gently bite the onion until the juices come out for a few minutes to alleviate pain.
You may also put a piece of onion on the painful tooth so that it absorbs the antiseptic and antimicrobial properties.
Continue process until pain reduces.
11) Bayberry - The root bark of the bayberry is used to help strengthen gums. The berries are ideal for treating
aching wisdom teeth as well. The natural antibiotics of the bayberry should go to work very quickly on your aching
tooth.
The Remedy:
Mix the bayberry bark together with vinegar to form a natural paste.
Apply the paste on the affected tooth as a pain relief.
Use the paste when needed, or several times per day.
12) Guava Leaves - Guava leaves are used to heal mouth sores and aching teeth. The juice of the guava leaves
contains many antibacterial properties that thwart off tooth decay or gingivitis. You should feel the effects of the
guava leaves shortly after applying to the sensitive areas.
The Remedy:
Chew on a couple of guava leaves until the juice begins to work on the affected tooth.
Place 4 to 5 guava leaves in water and let it boil.
Allow the solution to cool off a bit before adding a pinch of salt, and rinse your mouth thoroughly with it.
ENGLISH VERSION
Haldi contains curcumin which is a host in itself
for recovery of diseases. Haldi is used as
medicine for almost thousand years. Antioxidant
curcumin is 5 to 8 times powerful than vitamin E
or Vitamin C to develop resistance in human
body and to reduce cholesterol. Artharitis,
asthma,heart disease, alzhimer, diabetis and
even cancer can be prevented by curcumin. It
also cures lever diseases if used with sugar or
honey. It prevents attack from worms if taken in
the morning with salt. For chest or throat
infection, it can be used with milk. Curcumin has
aspirin property and it reduces mental stress.
Another ingredient of Haldi is polyphenol which
works as corticosteroid to recover “chronic
anterior euveitis” of eyes.
Haldi can disinfect food items. It is used as
preservatives also. It has properties of antiseptic
and disinfectant.
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MEMBERS’ TOUR :
ANTPUR, RAJBOLHAT & TARAKESWAR TOUR ON 12.02.2016
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NOTE : 40ft goddess Saraswati idol at Rajbolhat, Rajballavi Maa and temple, Ramakrishna Mission where Swami
Vivekananda and eight other disciples of Ramakrishna took the oath to accept Sannyas.
In the Group Photos: 1st
- S/SRI AK Goswami, N Kundu, PK Roy, RB Mondal, PG Saha, R Das, DK Ghosh before Chandi mondop,
2nd
– AK Goswami, NP Kundu, PK Roy, R Das, B Das, PG Saha, RB Mondal under 500 years’ Bokul tree, 3rd
– R Das, PG Saha,
PK Roy, NP Kundu, AK Goswami, RB Mondal, DK Ghosh before Mission Office, 4th
– NP Kundu, AK Goswami, R Das, RB
Mondal, B Das, PG Saha, PK Roy before Antpur Ashram main gate.
