.

President Chairman General Secretary

Baburao Humraskar Oscar Fernandes S.Rajkumar

1

INDEX

S. No . Description Pg.No.

1. From the Editors’ Desk 2

2. President’s message 3

3. General Secretary ‘‘message 4

4. Activities at All India Level 5-8

5. Letter written to Joint Secretary (Finance) on 12.08.2014 9-10

6. Information Sharing Session. 11-13

7. Second All India Secretariat Meeting At Pune 14-15

8. Cancer Update from Johns Hopkins 16-19

9. Zonal Council / Divisional Units Activities 20

10. Reader’s view 21

11. Photo Gallery 22-24

2

From The Editors’ Desk…

Leadership of federation has taken up on his priority to make the

organization strong, result of which is that organizational activities are in full

swing. Three Zones namely Eastern Zone, North Central Zone and West

Zone have completed their first zonal Council meetings. Kudos to the

leadership of these Zones. Annual General Body meetings of Divisional

Associations are also going on. On an average, one divisional association is

conducting his annual general body meeting every week.

Indeed it is the need of hour that federation becomes a mighty

organization, since we are at a very crucial juncture. Government is

determined to hike the Foreign Direct Investment in insurance sector from

26% to 49% and wage revision negotiations have started and apart from that,

our long pending issue of restoration of NGI differed due to strike observed

on 18.02.2010 is not still resolved by the management. The last round of

negotiations in banking sector is not encouraging. Unions of bank employees

have come up with a vigorous agitation program. Therefore, there is no other

option except to get united under the banner of Federation of LIC Class-1

Officers Associations to clinch the best deal in Charter of demand and other

benefits of Class -1 Officers.

Friends, we are giving our best to the Corporation by performing our duties

in an excellent manner even after the close of office hours and on holidays. It

is our right to get a dignified treatment from management and our genuine

demands should be accepted without any delay.

I appeal to all the leaders of the federation to implement the decision

taken in 2nd

Secretariat meeting of All India Secretariat in Pune held on

15.09.2014 that all Divisional Associations should complete their annual

General Body Meeting latest by 31st October 2014 and collect annual

subscription for 2014-2015. Zonal Council Meetings of remaining 5 Zones

should also be completed before the end of this calendar year.

With profound regards, Ajay Tyagi (Editor)

3

President’s Message

The Second Secretariat Meeting held on 15.09.2014 at Pune took many decisions to settle our pending issues with the management and to gear up organizational activities. I am happy to see that Federation is on right track. We are interacting with the management from time to time and put forth the problems of officers effectively. Some of them are resolved and some are still pending.

I have full faith in the strength of officers and their faith in federation and

assure them that no issue will remain unresolved. Coming days are very crucial and we have to get a handsome charter

settled and I hope that every officer will out of fear and work with dignity under banner of Federation of LIC Class-1 Officers’ Association.

With Greeting,

Baburao Humraskar

President

Federation of LIC Class-1 Officers’ Association.

4

From the crucible...... General Secretary writes............

The 1st round of discussion on wage revision is over. To start with,

10.5% is a good beginning. Let us hope that we will get a better deal than last

time. Our organisation building activities are on the right track. 3 zones have

conducted zonal councils. 3 zones have fixed in December. Divisions are

conducting Annual General Body meetings. I am also trying to participate in

as many meetings as possible.

I have seen some exemplary leaders of the federation during my visit to

various parts of the country. Rajkot division was one such example and

another one is Behrampur. We have formed a formal unit in Yogakshema.

We are planning for a mega meeting on 24th November.

I have a dream which I want to share with you through this. Due to

various reasons we have lost our ground in some of the divisions. But all our

divisions must have an active unit by 31st March 2015. Let all of us try

together to achieve this. Dreams are not the one you see during your sleep.

Dreams are those which will not let you sleep till you realise them. Every big

achievement has started with a dream in some one's mind. SO, LET US

START THE WAY TO REALISE OUR THIS ONE DREAM. .

A DREAM WITHOUT ACTION IS LIKE A TORCH WITHOUT FIRE - USELESS

5

Activities at All India Level

Since our delegation met MD and ED on 17th June 2014, continuous follow up of our issues with

Management is being done.

GS sent an appreciation mail to the Chairman for his strong stand on listing LIC as suggested by

Mr.Uday Kotak. The need for restoration of NGI was highlighted in this also. An email was sent to

ED(OS) and ED (P&IR) reminding them the urgency to enhance leased accommodation and uniform

implementation of security of SOs and BOs. On 2nd July, he spoke to ED(P) on issues like initiation of

discussion on wage negotiation and need to restore NGI. Based on these talk we have sent one more

letter to ED making our stand very clear (copy is enclosed). The Govt. is yet to give guidelines for

starting wage revision and ED is keeping in touch with Ministry of Finance in this regard. We are

keeping in touch with other sister trade unions for the formation of Joint Forum for wage revision and

one more option for pension. Other than NOINO and BMS, all have responded positively. A joint

session to discuss future strategies will be held soon. The new Mediclaim scheme with modifications

came into effect from 01.07.2014.

A committee with Sri J.Arivazhagan (Chairman) and Sri M.S.A.L Gaya and Sri Dinesh Sharma as

members were constituted to review the constitution. The report will be submitted in the next

Secretariat meeting.

A letter was also given to the Executive Director for the early restoration of NGI with full details of

commitment made by our previous Chairman D.K. Mehrotra.

Federation authorized its Zonal/Divisional units to take decision on the participation in

demonstrations against hike of FDI in insurance sector .However no agitation program was designed

by us.

Federation has taken up the suicide case of Late Sri Ravishankar, ABM(S), Warangal Division and

wrote letter to Chairman that Harassment of Class-1 Officers is not bearable to the federation and

19.07.2014 gate meeting were done against the harassment of Class -1 Officers and memorandums

were submitted to Zonal Managers / Divisional In-charges. Federation has got overwhelming

response from all over the country.

Federation again met Executive director (Personnel) and Executive Director (Marketing) on 25th July

2014 and the following issues were discussed:

1) Pending issues like Leased accommodation, Educational Loan, Enhancement of Housing Loan

etc.We urged the management to expedite the decision making process.

2) Mediclaim: Restriction of room rent to Rs. 7500/- per day was taken up. Since some of the

charges like Doctor’s visit fees, etc. are linked proportionately to the room charges, this ceiling

has been fixed. However it shall be reviewed based on the experience.

3) In some of the benefits like mobile phone reimbursement, Meal coupon etc, there is a

disproportionate difference between various cadres. Hence we requested to rationalize the

anomaly.

4) Delay in Supplementary list of promotions: It shall be published shortly.

6

5) Anomalies in transfers of Engineers: It was brought to the notice of management that the

Engineers are being transferred illogically/ irrationally from last several years.

This was consistently being brought to the notice of Management on several earlier occasions.

However, this year also there has been no improvement. Therefore, urgent intervention of LIC

management is required to alleviate the ongoing untoward sufferings of the Engineers throughout.

The ED (P) was sympathetic and assured that he would look into the matter, favorably.

6) Delay in sanctioning of Car under scheme-VI, especially in South Central Zone: We requested

an urgent intervention of the management/ ED (P). The same also has been discussed with the

ED(Mktg.) along with other issues pertaining to Marketing Officials. It is assured that there

shall be an amicable solution at the earliest.

7) Wrong interpretation of LTC circular for domestic travel: The ED (P) has clarified that the

concession given in the cases of foreign tour shall be made applicable in domestic travel also.

8) Upward revision of additional gratuity and free Insurance and extension of Group Insurance

after retirement: ED (P) asked us to submit the representation in detail for their favorable

consideration.

9) Considering the retirement on last day of month for those born on 1st day of the month: After

favorable verdict by Supreme Court in M. D. Gupta v/s LIC of India, we requested for

considering the same for all the Employees. ED (P) asked us to submit the representation in

detail for their favorable consideration.

10) Re-fixation of Pension for retirees of the period from 1.8.1992 to 1.4.1993: Since SLP by the

LIC has been rejected by the Supreme Court, we urged for implementing the verdict of

Rajasthan High Court. The ED informed that the appropriate decision shall be taken soon in the

matter.

11) One more option for Pension: The management is pursuing the same vigorously with the Govt.

of India.

12) Wage Revision: The Management is waiting for the guidelines from the Govt. of India. The

Information Sharing session shall be conducted very soon.

13) Transfer Policy: The draft is under consideration of the management and the same shall be

discussed soon with our Federation.

14) Suicide of ABM(S) in Warangal DO: Our representation submitted to the ED (P) is

enclosed. We expressed our deep concernabout the shift in attitude of SDMs/ ZMs

from providing motivational environment to forceful/ harassment which deprives the

Officers their family and social life. We emphasized that the suitable corrective action

should be initiated by the Management failing which the Officers will be compelled to

resort to other means.

15) Restoration of NGI: This being rejected by earlier leadership of management, it has

become a complicated issue. Therefore, the ED informed that it requires some more time for

resolving.

7

16) The problems faced by the CRMs after the latest circular regarding NEFT Ratifications: This

was discussed and it is informed that the matter is being relookedfor alternatives.

17) Anomaly/ Deprivation of Gift card to Officers: We have submitted our letter on

this issue (copy is enclosed).

Leadership of federation met with the Chairman of Federation and appraised him the developments of

Federation since March 2014. It was mentioned the efforts we are taking for restoration of NGI, better

wage revision, one more option for pension etc. Leaders requested his immediate intervention in the

restoration of NGI. He has assured that he will extend all the support for the activities of the Federation.

We suggested him to send a letter to the Chairman of LIC for restoration of NGI, which he has agreed.

On the next day the letter prepared by us was signed and gave to us. (scanned copy enclosed). This will

be given to Chairman by our President on 16th August 2014. We also suggested a joint meeting of our

office bearers along with Oscarji in Yogakshema to have a detailed discussion with Chairman. He has

agreed to this proposal and asked us to arrange it either in Delhi or Mumbai. We have established

rapport with his office and will be in touch for further program. The Office Bearers introduced

themselves and appraised about the developments of our Federation since March 2014. We have

mentioned the efforts we are taking for restoration of NGI, better wage revision, one more option for

pension etc. We requested his immediate intervention in the restoration of NGI. He has assured that

he will extend all the support for the activities of the Federation. We suggested him to send a letter to

the Chairman of LIC for restoration of NGI, which he has agreed.

Our President , General Secretary and Secretary ( Organisation) also met Sri Anup Wadhawan, Joint

Secretary (FS) and discussed the following issues.

• Initiation of wage revision in LIC

• Wages and Perquisites to be in parity with ‘Navaratnas’

• Introduction of Grade Pay and Running Scales as in Central Government.

• Promotional Avenues.

• Pension & Health Care reforms

• One more option for pension

• LTC rules modifications

• Non-compliance of Central Govt. instructions in LIC like absence of promotion & transfer policy,

preference in posting for physically handicapped persons and those with differently abled children,

Sabbatical leave etc.

A representation was also given, with regard to wage revision. During the discussion, it was informed

that the Govt. has already given instructions to initiate discussion and send proposal to the Govt.

regarding wage revision. We stressed upon the need to reduce delay in promotional avenues and

necessity to introduce running scale to compensate delay and need for Grade Pay to make promotions

attractive. He was positive on this and assured that he will talk to LIC management on this. He also

agreed that there is a need to revise the existing pension and health care system in LIC. On one more

option for pension, he explained the difficulty of giving it to LIC employees alone as there will be

demand from others also. However we requested that a final opportunity should be given to all as only

a small section is left out. We convinced him that the LTC in LIC is entirely different from other PSUs

and we are eligible only for reimbursement of 2nd ac fare for 3000 km per person per block,

irrespective of the mode and destination. He advised us to give a detailed representation, so that it can

be considered favourably. We have also brought to his notice the non- compliance of central

8

government guidelines with regard to preference in posting for physically handicapped persons, parents

with differently abled children, sabbatical leave etc. even though there is clear instruction from

government. He has assured that it will be viewed seriously.

9

Letter written to Joint Secretary (Finance) on 12.08.2014

FEDERATION OF LIC CLASS-I OFFICERS’ ASSOCIATION

President: Baburao Humraskar Chairman: Oscar Fernandes Gen. Secretary: S. Rajkumar

To 12.08.2014

Sri. Anup Wadhawan,

Jt.Secretary, Dept. of Financial Services

Ministry of Finance,

Govt. of India,

New Delhi.

Respected Sir,

Sub:-Wage revision due on 01-08-2012 in LIC of India

As you are aware the revision of wages takes place in LIC of India once in every five years.

The same is due from 1-08-2012. Even after 2 years, the LIC Management is yet to initiate

the talks on this important aspect. When we contacted the current leadership of LIC, it has

been informed that, LIC is yet to get instructions from the Government of India. The

situation is perplexing when we consider the fact that the Government has already initiated

the process of 7th pay commission which is due only on 1st April 2016. In this context we

request your intervention to ensure that the negotiation on wage revision is started at the

earliest and suitable instruction is given to LIC Management for a fair and reasonable

settlement in tune with the Central Government and other performing Navaratna

Companies. We would like to bring the following aspects in connection with the wage

revision due in LIC

Even though all former finance ministers have appreciated and praised the role of

LIC and its performance even at the best competitive scenario our pay and perks are

still very low compared to Central Government and Navaratna companies.

LIC is considered to be a Maharatna, a jewel in the crown of Public sector

undertakings. Still many improvements made in the wage structure of Central

Government, RBI and Navaratna companies are not done in LIC of India. We have

been demanding continuously to implement the concept of 'Grade pay' available in

Central Government and other Public sector undertakings. This will make the

promotions attractive and officers will show their best to ensure quick promotions it

will result in overall improvement in efficiency.

The delay in promotion in each cadre is now a cause of concern and de-motivating

factor for the officers. Earlier the average duration for next promotion in one cadre

was 4 years, where as it has gone to 8-10 years now. LIC management has to

consider this aspect and take steps to reduce the delay to make the employees

productive. The alarming impact of this is that one get stagnated after getting 2

increments, even if he gets promotion in time. That means for the next 6-8 years he

has to continue without the annual increments. Implementing running scale as done

in other organizations is the only solution to this problem, especially in the context

of delayed promotions.

The perquisites given in LIC now are much below the amounts given in RBI, SBI

and other Navaratna Companies. The leased accommodation rates, professional

qualification allowance, transport allowance etc, are much below the requirement. It

10

is only fair that we are offered parity with Navaratna companies on all these

perquisites.

Health care and pension system to be revamped to meet the current situation of

increasing longevity. In the pension system of LIC there is no enhancement with

wage revision, only increase in DA is provided. Only 30% of the pension is given to

the spouse on death of the pensioner. These aspects need a liberal review. We have

submitted our Charter of demands to the management on 1-08-2012 itself. We

request you to kindly intervene in these long pending issues and give necessary

instruction to the LIC Management to start wage negotiation at the earliest and

implement our charter in consultation with us at the earliest.

Thanking you,

Yours faithfully,

S.Rajkumar

All India General Secretary

Branch Manager

LIC Of India

Kadakkal, Kollam Dist.

Kerala.

Mobile : 9846619933

Email : S.Rajkumar@licindia.com

11

Information Sharing Session.

All the Unions were invited by the management for an information sharing session on 27th

August, 2014 at College of Insurance, Bandra Kurla complex, Mumbai. The Federation was

represented by General Secretary; Shri. S. Rajkumar, President; Shri. B S Humraskar,

National Secretary; Shri. U. K. Haldar in the forenoon session. Mr. M. R. Kumar, ED (P) in

his opening remark, expressed the purpose of the session and welcomed the gathering.

Afterwards, there was a presentation by F&A Department of Central Office which displayed

the various performance parameters of 2013-14. Then, the appointed Actuary; Shri. P. K.

Arora made a presentation on the Valuation results of 2013-14. He has established that there

is a continuous decline in the net number of policies from 2009 to 2010 in spite of increase

in new business mainly due to pure lapsation and surrender. However, there is an overall

increase in surplus and the solvency margin at 154%. Our persistency ratio is better than the

industry average. Later, the Chairman addressed the participants. He told that, it is not the

product differentiation but service differentiation, which is going to make the difference in

coming years. The Govt. has entrusted the sale of ‘Varishta Pension Bima Yojana’ to us

which shows their enormous faith in marketing capabilities of LIC. He made it very clear

that all the instructions from the Regulator Body has to be complied in Toto, especially in

areas like KYC, AML guidelines and other statutory compliances. He also mentioned that,

reinvestment of claim is good, but the ethical standard shave is to be maintained. He

informed that all efforts shall be taken to have a final option for Pension. The proposal for

wage revision was given by the Chairman (subject to approval by Govt.).Wage rise is

offered in two parts:

a) 10.5% overall increase in total wage bill as on 01.08.2012,

b) PLLI to be formulated by the Board based on the performance. Pay scales and rate of

Allowances shall be worked out after a broad understanding is reached on proposals. He

also stressed the following points:

i) Improvement in productivity, redeployment and mobility of work force.

ii) Code of conduct - Union work shall not be done during office hours. Meeting and

Demonstrations shall not be conducted during office hours and shall be outside the office

premises.

iii) Adaptation and up gradation of technology - Biometric authorization in place of

password.

iv) Customer orientation - Extension of cash hours by one hour, single window concept,

modern and tidy atmosphere in Branches and developing mini offices as Growth Centers.

In response to the offer, the General Secretary has told that the proposed hike is not

acceptable to the Federation. The minimum basic scale of entry level cadre officers in

Central Govt. is likely to be Rs. 63,000/- after the 7th Pay Commission, hence a 40% hike

alone can take us somewhere near to that stage. Our core areas in wage revision will be

grade pay, running scales and enhancement of fringe benefits. We have appreciated the

efforts of the management for one more option of pension. We stressed that the quantum of

Family pension should be 50% irrespective of basic pay. We also raised the point of

enhancement of Addl. Gratuity and free insurance, not revised since 1987.

12

At the end, the GS requested the management for restoration of NGI deferred due to the

strike on 18.2.2010 as it will be a morale booster for the entire Class-I officers. Other Union

Representatives also gave their response to the offer made by Chairman saying that the offer

is much below than their expectations and hence is not acceptable.

In the Afternoon, we were the first to be invited for individual discussion with LIC, in

which our Treasurer, Shri S.H. Chawla joined our above team of office bearers. In the said

discussion, the following issues were deliberated:-

1) Grade pay and running scales: It is informed that LIC is very much open to the same and

requested us to have detailed discussions with them on this issue at a later date.

2) Enhancement of Fringe benefits:

a) Educational loan – It shall be considered favorably.

b) Housing loan – Enhancement is under consideration.

c) Furniture Allowance – It can be considered within the overall increase in wage bill.

d) Petrol Allowance – Enhancement in Transport allowance will be considered as the petrol

allowance is already under scanner.

e) HRA – We demanded for 30% increase without ceiling as in Central Govt, which again

would be considered within the overall increase.

f) Leased accommodation – It is already under consideration as this was already raised by us

earlier also.

3) Pension option: We demanded one more option of pension vigorously. They informed

that they are also trying their best.

4) Pension reforms: They responded positively to our demand of 50% Family Pension

irrespective of Basic pay. Regarding our demand of making revision

Applicable to pension, they told that the matter is subjudice.

5) There was a positive response for our demand for revision of Addl. Gratuity

And free insurance.

6) Transfer Policy: We shall be invited soon for the discussion.

7) Professional Allowances: It is under consideration.

We impressed upon the management that there is a deterioration in the HR practices in

recent years, especially with regard to marketing officials. In Haldwani Division, the SDM

has issued a mail that all kinds of leaves (with prior Permission) of HODs and Branch I/C

will only be sanctioned by the SDM. In some other Divisions, Marketing Officials has to

come to open branch on Sundays and holidays and call SDM/MM from the landline of the

office. In Ernakulam Division, the practice of asking the explanation from the Satellite BMs

regarding the cost effectiveness is still continuing. We have informed that such harassments

cannot be tolerated any more. Also, we expressed our concern on the compulsory late sitting

especially in respect of Lady Officers. On 22nd August 2014, the GS met the ED(P) and

handed over the representation regarding the immediate implementation of Central Govt.

guidelines in respect of preference in postings of physically handicapped Officers, those

having differently abled children and sabbatical leave. We also requested for preferential

postings of lady officers as recently done in banks (Copy enclosed). We have very strongly

raised the issue of restoration of NGI with ED and MD and requested that this be settled

before any further talks on wage revision. They have informed that there is a technical

difficulty in annulling the decision of past three Chairmen even if they wish to do the same.

We have informed that we will be left with no option but to resort to agitation for which the

Management shall be responsible.

13

The meeting concluded with a positive note that the LIC will be inviting us for detailed

deliberation soon for the issues raised by us.

Federation has also responded to Chairman’s Appeal for donating

one day salary in Prime Minister’s relief fund by appealing the

officers to donate generously.

14

Second All India Secretariat Meeting at Pune on 15.09.2014

The Second Secretariat Meeting was held on 15.09.2014 at Pune. The

house paid condolences on the demise of people in flood affected area. The meeting was presided by All India President Sri.Baburao Humraskar

and discussions were initiated with a keynote address by All India General Secretary Sri.S.Rajkumar. The second issue of Our Voice was released by

Sri MSLGaya Ji. All India Treasurer Sri.S.Chawlahas briefed the house on the subscription position. Other all India leaders briefed the secretariat on

the activities pertaining to their role. All the Zonal Secretaries present submitted the activities of their zones to the house. After detailed

discussions and deliberations the following decisions were taken:

1. Wage Revision The focus of the federation will be on grade pay, running scale and

enhancement of fringe benefits. We will demand for Cafeteria approach (50% of the Basic Pay + DA as fringe benefits). Parity with Central

Government taking into account the recommendations of the 7thpay

commission will be our main demand.

2. Restoration of NGI Considering the present situations in the organization the secretariat has

decided to refrain from agitation in the present context as we do not want to do anything that affect the performance of the organization even

through this option is kept open. It has been decided to meet the Chairman for one more time and to approach the government if the

management is not obliging.

3. Role of Divisional Associations The Divisional Associations have to take up issues at the Divisional level

and report to the zonal leaders who will intervene if necessary. Only after getting

information from the Zonal leaders the All India leaders will interfere on

specific issues (other than common issues affecting all officers).

4. Resolutions Two resolutions with regard to Restoration of NGI and IS Audit were

passed for submit - ting to Chairman. It is also decided that other than those issues already

taken up by the Federation the following aspects raised by the Zonal Leaders will be taken up with management.

a. Disturbed Area Allowance - North Eastern sector as per the decision of

Sixth Pay

Commission. b. Condition of sanctioned leave with regard to LTC.

c. Insurance cover for outstanding vehicle loan to officers in Administrative side as in

15

Scheme 6.

Organizational Activities

1. All the divisions to complete their AGB by 31st October and Zones to complete Zonal council by 31st December.

2. Empowerment of Woman Officers. It has been decided to form woman cell with three lady officers in all the

divisions to take care of the issues of lady officers. It is also advisable to conduct conference of lady officers division wise.

3. Out of 8 zones 7 zones have already opened their zonal accounts. First installment of one lakh already transferred to 7 zones. One lakh more will

be transferred to these 7 zones. As decided during extra ordinary meeting at Kolkata one lakh more will be remitted to the zones which have paid

and reconciled subscription for the period 2013-2014. From 2014-2015 zone has to create and maintain its own fund as decided.

4.2013-2014 Accounts have to be cleared before 31st October by all

Divisions/Zones. Issues related to Pensions, Pensioners and Legal.

a. Our pension system framed 20 years back is inadequate to take care of present needs. It has been decided to prepare a paper on the

comprehensive pension reforms. Sri.BPS Chuahan, NC Member of Northern Zone will be preparing the paper. All Officers are advised to

submit their points to him for submitting a comprehensive paper to the management.

b. Various litigations are going on in different parts of the country which may affect the In-service officers also. It has been decided to intervene in

these cases if required. c. One of our officers has got a favorable judgment in the Date of Birth

case were those with DOB as 1st of month can work up to the end of the month. Federation will approach the court if the management is not

extending this to all.

16

Cancer Update from Johns Hopkins

1. Every person has cancer cells in the body. These cancer cells do not show up in

the standard tests until they have multiplied to a few billion. When doctors tell

cancer patients that there are no more cancer cells in their bodies after treatment,

it just means the tests are unable to detect the cancer cells because they have not

reached the detectable size.

2. Cancer cells occur between 6 to more than 10 times in a person's lifetime.

3. When the person's immune system is strong the cancer cells will be destroyed

and prevented from multiplying and forming tumors.

4. When a person has cancer it indicates the person has nutritional deficiencies.

These could be due to genetic, but also to environmental, food and lifestyle

factors.

5. To overcome the multiple nutritional deficiencies, changing diet to eat more

adequately and healthy, 4-5 times/day and by including supplements will

strengthen the immune system.

6. Chemotherapy involves poisoning the rapidly-growing cancer cells and also

destroys rapidly-growing healthy cells in the bone marrow, gastrointestinal tract

etc, and can cause organ damage, like liver, kidneys, heart, lungs etc.

7.. Radiation while destroying cancer cells also burns, scars and damages healthy

cells, tissues and organs.

8. Initial treatment with chemotherapy and radiation will often reduce tumor size.

However prolonged use of chemotherapy and radiation do not result in more

tumor destruction.

9. When the body has too much toxic burden from chemotherapy and radiation the

immune system is either compromised or destroyed, hence the person can

succumb to various kinds of infections and complications.

10. Chemotherapy and radiation can cause cancer cells to mutate and become

17

resistant and difficult to destroy. Surgery can also cause cancer cells to spread to

other sites.

11. An effective way to battle cancer is to starve the cancer cells by not feeding it

with the foods it needs to multiply.

*CANCER CELLS FEED ON:

a. Sugar substitutes like NutraSweet, Equal, Spoonful, etc are made with

Aspartame and it is harmful. A better natural substitute would be Manuka honey

or molasses, but only in very small amounts. Table salt has a chemical added to

make it white in color Better alternative is Bragg's aminos or sea salt.

b. Milk causes the body to produce mucus, especially in the gastro-intestinal tract.

Cancer feeds on mucus. By cutting off milk and substituting with unsweetened

soy milk cancer cells are being starved.

c. Cancer cells thrive in an acid environment. A meat-based diet is acidic and it is

best to eat fish, and a little other meat, like chicken. Meat also contains livestock

antibiotics, growth hormones and parasites, which are all harmful, especially to

people with cancer.

d. A diet made of 80% fresh vegetables and juice, whole grains, seeds, nuts and a

little fruits help put the body into an alkaline environment. About 20% can be

from cooked food including beans. Fresh vegetable juices provide live enzymes

that are easily absorbed and reach down to cellular levels within 15 minutes to

nourish and enhance growth of healthy cells. To obtain live enzymes for building

healthy cells try and drink fresh vegetable juice (most vegetables including bean

sprouts) and eat some raw vegetables 2 or 3 times a day. Enzymes are destroyed at

temperatures of 104 degrees F (40 degrees C)..

e. Avoid coffee, tea, and chocolate, which have high caffeine. Green tea is a better

alternative and has cancer fighting properties. Water-best to drink purified water,

or filtered, to avoid known toxins and heavy metals in tap water. Distilled water is

acidic, avoid it.

12. Meat protein is difficult to digest and requires a lot of digestive enzymes.

Undigested meat remaining in the intestines becomes putrefied and leads to more

toxic buildup.

13. Cancer cell walls have a tough protein covering. By refraining from or eating

less meat it frees more enzymes to attack the protein walls of cancer cells and

18

allows the body's killer cells to destroy the cancer cells.

14. Some supplements build up the immune system (IP6, Flor-ssence, Essiac,

anti-oxidants, vitamins, minerals, EFAs etc.) to enable the bodies own killer cells

to destroy cancer cells.. Other supplements like vitamin E are known to cause

apoptosis, or programmed cell death, the body's normal method of disposing of

damaged, unwanted, or unneeded cells.

15. Cancer is a disease of the mind, body, and spirit. A proactive and positive

spirit will help the cancer warrior be a survivor. Anger, un-forgiveness and

bitterness put the body into a stressful and acidic environment. Learn to have a

loving and forgiving spirit. Learn to relax and enjoy life.

16. Cancer cells cannot thrive in an oxygenated environment. Exercising daily,

and deep breathing help to get more oxygen down to the cellular level. Oxygen

therapy is another means employed to destroy cancer cells.

1. No plastic containers in micro.

2. No water bottles in freezer.

3. No plastic wrap in microwave..

Johns Hopkins has recently sent this out in its newsletters. This information is

being circulated at Walter Reed Army Medical Center as well. Dioxin chemicals

cause cancer, especially breast cancer. Dioxins are highly poisonous to the cells of

our bodies. Don't freeze your plastic bottles with water in them as this releases

dioxins from the plastic. Recently, Dr Edward Fujimoto, Wellness Program

Manager at Castle Hospital , was on a TV program to explain this health hazard.

He talked about dioxins and how bad they are for us. He said that we should not

be heating our food in the microwave using plastic containers. This especially

applies to foods that contain fat. He said that the combination of fat, high heat,

and plastics releases dioxin into the food and ultimately into the cells of the body.

Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic

containers for heating food. You get the same results, only without the dioxin. So

such things as TV dinners, instant ramen and soups, etc., should be removed from

the container and heated in something else. Paper isn't bad but you don't know

what is in the paper. It's just safer to use tempered glass, Corning Ware, etc. He

reminded us that a while ago some of the fast food restaurants moved away from

the foam containers to paper The dioxin problem is one of the reasons.

Please share this with your whole email list.........................

Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when

placed over foods to be cooked in the microwave. As the food is nuked, the high

19

heat causes poisonous toxins to actually melt out of the plastic wrap and drip into

the food. Cover food with a paper towel instead.

Courtesy By

Chandrasekhar

President Class-1 officers ‘Association

Lucknow Division NCZ

20

Zonal Council/ Divsional Units Activities

1. In Eastern Zone Annual General Body meetings of Kharagpur, Howrah, Asanson ,

Burdwan, and KSDO were held on 06.07.2014, 02.08.2014, 10.08.2014, 17.08.2014,

20.09.2014 respectively and attended by large number of officers and Zonal Secretary Mr

B. Porya was the chief guest of the meeting . In KSDO Division National Secretary Mr

U.Halder graced the occasion.

2. Southern Zone has completed AGB’s of 13 Divsions out of 14 as on

18.10.2014.Kudo ‘s to South Zone.

3. Central Zone has spearheaded activities in this Quarter.A cluster meeting was

organized on 24.08.2014 in Indore of Branch OfficesUjjain, Ratlam, Mandsore, Namach,

Nahgada, Badhnagatr and Jawer , Zonal President and Divisional Secretary and Divisional

President were among the guests. On13.09.214 Women cell conference was organized first

time in the history of federation. Dr Archana Jaiswal President MP Women empowerment

confederation was the chief guest. A large number of women participated in the meeting. On

28.09.2014 another cluster meeting was organized in Khargon Branch Office where in

officers of Khargon,Khandwa,Manwar, Jhabuwa badhwa participated.

4. The meeting of 1st Zonal Secretariat Committee of NCZ was convened on 24

TH August,

2014 at 10.30 am in the Sports Hall, Zonal Office, Kanpur. It was attended by All India

Presdent Sri Baburao Humraskar and All India General Secretary Sri S,Rajkumar. This

meeting was historic in the sense that out 12 Divsions 11 Division participated the meeting

.A welcome meet was also organized on 23.08.2014 wherein around 180 officers

participated in the gracious presence of our All India General Secretary. The annual

general body meeting of Allahabad Division was organized on 20.09.2014 where in our

Zonal Secretary and Zonal President were presnt. Zonal Office bearers met with Zonal

Management on 26.09.2014 and discussed the problem of Officers and a understanding was

developed in regarding transfers.

5.West Zone Zonal Council meeting was organized on 14.09.2014 which was presided

by Our All India president and All India Secretary were also among the central observers.

Organizational issues were discussed and it was decided that units will be formed in those

Divisions where election were not held for a long time. A resolution was also passed to

form a unit in Central Office.

21

Readers’ views

Mr Suresh Agchia President North Zone

First of all please accept my corefelt greetings on a successful recontinuation of

OUR VOICE. Soft file format may and will surely help reach communication to

the remotest corner of country at a lightening pace. There are very fine objects like

BPS Chouhan's presentation and Shri Mehrotra's Health Tip. Hope all will be

benefitted with the same.

Can we add a "CREATIVE CORNER" / "WOMEN PAGE" and "LEGAL

HAPPENING" plus one more "OPERATIONAL CAUTIONS"?

Open feedbacks with live examples can be incorporated.

Greetings again for a successful northward movement to entire LIC and licians.

Finding it appropriate I suggest if structured workshop activities are also shared.

Editor: Thank you for your precious suggestions. We shall try to keep this in mind during your future issues. Sri A.Cross Dsouza, AO/Tallakulam.

I read our E magazine our voice in one go. It is a tremendous effort and to be

lauded sincerely. In future you may provide one page for reader views and feeds

back. Once again I appreciate the efforts taken by you for compilation and doing

our contribution for "SAVE NATURE " by being "ECO FRIENDL'Y'".

Anil Kumar , AO (IT) Lucknow Division Today , I have received e-copy of “OUR VOICE”.

My sincere thank to you and Tyagi ji for your hard work and dedication.

22

Release of second issue of our voice on15.09.14 Zonal Council Meeting of West Zone on 14.09.2014

Welcome meet of officers in NCZ Kanpur on24.08.2014 NCZ Zonal Council MEETon 24.08.2014

AGM at Allahabad on20.09.14

23

AGM of Cuttack Division ON.09.2014 Meerut Division sumitting memorandum on 04-08.2014

NCZ Zonal Council MEET on 24.08.2014

Dehradun Division submitting memorandum to SDM Northern Zone submitting memorandum to ZM

on 18.07.2014

24

GS meeting with Sri Oscar Fernandees NCZ Ist Zonal Council meeting 24.08.2014

Tirunelvi Division UNDER SOUTHERN Zone on 18.09.2014