Download PENSION GUIDEBOOK — This booklet is the product of the questions that have been put to me over the years regarding pension and related matters. Score of employees belonging to different departments / organizations where service is pensionable as well as living in the territorial surroundings of my residence come to me and ask almost similar questions about pension / commutation / encashment in lieu of Leave Preparatory To Retirement (LPR) along with additional benefits admissible to an employee on retirement under the rules.  In order to surmount these difficulties of the employees, I felt the need to prepare a comprehensive guide book containing the   gist of pension rules incorporating the amendments issued by the Punjab Government from time to time,   as well as additional benefits admissible to an employee on retirement or the widow / family of a deceased employee / pensioner in case of death during service or after retirement whatever the case may be. Keeping in view that majority of the employees are not aware about the calculation of pension / commutation / encashment I, therefore, for the convenience of such employees, decided to include the formulas for these calculations at the end of this guidebook. This would definitely be helpful for the employees of every cadre and help them considerably to understand the rules and methods used to calculate various benefits.