A government employee at the time of retirement can draw a certain amout iin lump sum under the existing system of pension and have his monthly pension reduced proportionately. The cut in pension is calculated according to the prescribed scale on teh production of the medical certificated regarding life expectancy. The rule requires that the cut should continue until the death of the pensioner whatever the commuted amount. In many cases, pensioners have paid back as "cuts" in their pensions twice or thrice the commuted abount. Pensioners call this rule exploitive and demand its repeal, Under the scheme of opting for death-cum-retirement gratuity inteoduced in 1950, the rate of pension is reduced from one half of the employee's average emoluments to three-eights against the payment of an amount ewual to 15 month's pay. In this case too, the reduction in pension contimues even after the amountg taken as gratuity has been fully repaid. A family pension scheme was introduced on January 1, 1964 but the windows of pensioners who retire before that date have been deprived of it. Thfe Government has, however, given some concwssion to the pensioners in recent years. Thfe rate of pension, the hamount of gratuity and the limit of death-cum-retirement gratuity hvaebeen raised. The pension is calculated on the average of last 10 months' emoluments istead of 36 months and cash payment is made in lieu of 180 days' leave due at the time of retirement. An Indian pensioner is perhaps the least paid in the world. Holland, Iran, Belgium, Yugosalvia and Turkey (where the retiring age is 65),