In India, many women opt to become homemakers and look after their families. Unfortunately, if something happens to their husband, typically the breadwinner for the family, they struggle to make ends meet. Many widows do not know who to turn to for support and help. To empower these women, the government has started the Vidhwa Pension Yojana or Widow Pension Scheme. The government aims to make widows financially independent through their scheme. The idea is to provide women who rely on other family members with a steady income.
What Is the Widow Pension Scheme?
The scheme helps women become financially independent. The government provides eligible widows with a stipend every month to help them survive. Many widows rely on other family members for financial aid. The government decided to offer them a fixed monthly income to empower them instead.
Who Is Eligible for the Widow Pension Scheme?
The scheme is only available to women who are in need. So, widows between the ages of 18 and 60 who fall below the poverty line can apply. The minimum age is in line with the marriageable age for women in India. Widows who have remarried are not eligible. If the widow has dependent children who cannot provide for her, she can apply for the scheme. But, if anything happens to the widow, her children cannot continue to receive benefits.
Some states may offer a different version of the pension scheme. Each scheme has different eligibility criteria. For example, the Indira Gandhi Widow Pension Scheme offers help to widows who fall in the 40 to 60 age bracket.
How Can Widows Apply for the Widow Pension Scheme?
To register for the scheme, widows must submit some documents to prove they’re eligible. The documents include:
- Their AADHAAR card
- Their husband’s death certificate
- Any government-certified address proof
- An income certificate
- Proof of age certificate
- Their mobile number
- A passport-sized photograph
- Their bank account passbook
Widows must check which pension scheme their state or district offers. Once they confirm the eligibility criteria, they can apply to receive benefits either online or offline. They must submit their application to the social welfare department office for the district. To apply online, widows must follow these steps:
Step 1: Visit the state’s official widow pension scheme website.
Step 2: Click the Widow Pension button on the home page
Step 3: Click on the Apply Now button
Step 4: Fill up the form accurately
Step 5: Click the submit button to send the application ahead
To apply offline, the widow must visit the Janpad Panchayat officer or contact the commissioner of her municipal corporation. She can ask them for the form, fill it up and submit it along with the required documents.
Benefits of the Widow Pension Scheme
The scheme is meant to help women sustain themselves and their families on their own. Under the policy, a fixed amount is sent to the widow’s bank account every month. The amount might change depending on the state where she lives. The money is transferred directly to the bank account linked with the AADHAAR card, so it’s easy for her to access these funds.
One of the biggest questions women in India struggle with is – how to plan for retirement in India? For widows, answering this question is especially difficult. Many women rely on other family members to provide for them. Others may try to find some work. But, they hardly ever earn enough to save up for the future as well. Widows who receive a regular pension from the scheme can use the money to invest in or purchase retirement plans in India for themselves. There are many types of retirement products available. They can find one that is affordable and suits their needs. By doing this, women can safeguard their financial futures. The retirement plan will help them build up a sum to fall back on once they cannot work anymore.
The widow pension scheme can help alleviate the monetary issues that many women face. The plan aims to help women who are below the poverty line and could face worse hardships after they lose the regular income from their husbands. With this scheme, the government is helping women survive and thrive.
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