Yours News: March 2009

Loan Option

Student Loan Options
The ongoing credit crisis has drastically affected the availability of private student loan options. Before applying for private student loans, ensure you have exhausted your federal student loan eligibility. Most private student loans will require a qualified co-signer.
eStudentLoan offers one private student loan option through a relationship with the loan's provider in which eStudenLoan is paid a fee when an application funds. However, you should research and explore all of your options prior to making a student loan decision.
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The following are other paid sponsors of our Website that you may find helpful as you explore your financing options in particular and your personal finances specifically:
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Whether you have established credit or not, it is always a good idea to review your credit history. You can receive information regarding obtaining your credit report and score plus credit monitoring here:
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If you are looking for a way to ease your debt burdon, you can review the options provided by Credit Solutions:
CreditSolutions.com - a debt consolidation alternative
If you'd like to establish credit, applying for a credit card can help. Always use credit responsibly and never charge more than you can afford to repay:
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If you have questions, please feel free to contact us at: customerservice@estudentloan.com
We will continue to monitor the student loan market and add more optons back into our site as they become avaialble. Thank you for visiting eStudentLoan.com to learn about student loans and financial aid for college.

Student Loan

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tourism sites in Nepal

Adventurous Sites/ Hiking Treks Annapurna Range Starting point to the most astonishing treks to Annapurna Base Camp, Annapurna Range is rightly called the 'Range of the Gods'. A blissful site, the Range is a natural amphitheater ringed by giant, heavenly treks like Annapurna 1, Glacier Dome, Gangapurna, Fang and the fishtail peak of Machhapuchhare. With several peaks ranging above 7000 meters, the experience is indeed thrilling.Mount Everest Trekking Route Visitors dream of trekking to the foot of the world's highest peak Mt. Everest, called Sagarmatha in Nepali language, located in the Khumbu region of east Nepal. The region includes upper catchments area of the Dudha Koshi and Bhote Koshi rivers. The area is largely composed of the rugged terrain and gorges of the high Himalayas ranging from 5,800m to the top of the world Mt. Everest (8,848m).UNESCO World Heritage SitesBhaktapur Durbar square Kathmandu's Durbar Square was built primarily in the 16th and 17th centuries. It contains a royal palace (a 'durbar') and many temples built in the traditional Newar, pagoda style. The golden gate, entrance to the Durbar Square is a delight to the eyes, for an architectural beauty like this is hard to discover. But what lies inside will change your definition of beauty... the beauty of this UNESCO listed World heritage site destination surpasses words!Kathmandu Durbar Square Listed as one of the eight Cultural World Heritage site travel destinations by UNESCO, Kathmandu Durbar Square is a cluster of ancient temples, palaces, courtyards and streets that date back to the 12th and 18th centuries. The square is known to be the social, religious and urban focal point of the Capital City. Changunarayan TempleThis impressive double roofed Changu Narayan Temple is said to be the most ancient Vishnu temple in the Kathmandu Valley. The original temple was built around the 4th century. The present pagoda-style temple was rebuilt in 1702 after it was destroyed by fire. It is located in a beautiful peaceful location, 4km north of Bhaktapur, on a hill top in the east side of the Valley. The temple is UNESCO listed World Heritage site tourism attraction. Golden GateThe strikingly beautiful Golden Gate is Nepal's pride. The gate is embellished with precious stones and is of great religious ands historical importance. The door is royal in built and structure and surmounted by the figure of Kali and Garuda. It is believed that the golden gate is two heavenly nymphs. The architecture and unsurpassable beauty of the gate enamors the tourists. Royal Chitwan National Park Royal Chitwan National Park (RCNP) has long been one of the country's treasures of natural wonders. The park is situated in south central Nepal, covering 932 sq. km. in the subtropical lowlands of the inner Terai. The area comprising the Tikauli forest - from Rapti river to the foothills of the Mahabharat (place) - extends over an area of 175 sq. km. The area was gazetted as the country's first national park in 1973. Recognizing its unique ecosystems of international significance, UNESCO declared RCNP a World Heritage Site in 1984.Pashupatinath Temple The magnificent temple of Lord Pashupatinath, about 5 kms north-east of Kathmandu, is situated amidst many other temples on the right bank of the river Bagmati. Pashupatinath Temple is considered to be the holiest Hindu Pilgrimage site in Nepal. Dedicated to Hindu Lord Shiva, the shrines and temples of Pashupatinath attract thousands of visitors from within and outside the country every year. This wooded ravine near the golf course and airport is considered to be one of the abodes of Lord Shiva. Buddhist Site/ Architectural Site Bodhnath StupaBodhnath Stupa is a bastion of Tibetan culture in the heart of the Kathmandu valley. Energized by the arrival of thousands of Tibetans after the 1959 Chinese invasion, the temple has become one of the most important centers of Tibetan Buddhism. Bodhnath is the largest stupa in Nepal and was probably built in the 14th century after the Mughal invasions. From the air it looks like a giant Mandala, or diagram of the Buddhist cosmos.SyambunathKnown as the monkey temple, Syambhunath has remained substantially unchanged since the 14th century. An appreciation of the stupa is best gained by proceeding around it in a clockwise direction. As people walk round while praying, wheels fixed to the balustrade are set in motion.Hindu/Jain Sites/ Architectural SitesChangu Narayan TempleLocated 24 km away from Kathmandu, Changunarayan Temple is the oldest of all temples in the valley and also one of the most interesting ensembles. The foundation dates back to the 7th century AD. The temple is dedicated to Hindu Lord Vishnu (often called Narayan). Stone sculptures standing in the large courtyard are eye catching.Hanuman Dhoka Hanuman Dhoka is the former Royal Palace of the Malla kings and sequentially of the Shah dynasty. Several complexes, taking up about five acres, are connected together. Outside the palace is a stone inscription stationed by the late KingPratap Malla. The inscription has matter written on it in 15 different languages. It is said that if someone reads the inscription, then milk would gush out from the middle of it. Hanuman's statue, dressed in a red cloak, placed outside the darbar, is an object of devotion.

Wild life

American Bald EagleWhat does it say about a nation when its national bird is threatened? Luckily, the bald eagle's story is one of recovery. With the banning of chemicals such as DDT, this majestic bird has made a comeback. While there are still many threats, its future looks good.

Grizzly BearThe grizzly is a symbol of American wilderness. In the 19th century, as the nation expanded westward, grizzly numbers plummeted due to unchecked hunting and trapping. The grizzly is now threatened in the lower 48 states.
Symbolically adopt a grizzly bear today.

Gray WolfOnce, the wolf was plentiful in most of North America, but it was hunted ruthlessly. Today, the wolf is making a successful comeback in some of its former habitat. The gray wolf plays a vital role in the health and proper functioning of ecosystems.
Symbolically adopt a gray wolf today.

Polar BearPolar bears are the world's largest land predators and the largest of the eight bear species. Polar bears are under pressure due to the impact of global warming on their Arctic habitat.
Symbolically adopt a polar bear today.

Florida PantherThe Florida panther used to range throughout the southeastern United States but following years of persecution and habitat loss, there are about 80 Florida panthers occupying only 5 percent of their historic range.
Symbolically adopt a Florida panther today.

Whooping CraneThere is only one wild migratory flock of whooping cranes of about 194 birds. The flock migrates for 2,700 miles over many weeks each year. In the 1950s, there were less than 20 birds left. Governments and conservation groups helped save the flock.

Canada LynxThe Canada lynx is such a secretive animal that we don't even know how many are left in the United States - but we do know that keeping forests intact is the only way to keep lynx populations healthy.
Symbolically adopt a Canada lynx today.

PronghornThe pronghorn is the second fastest land animal in the world, almost as fast as the cheetah. It was almost hunted to extinction. Today it is making a comeback, but some types of pronghorn, such as the Sonoran, are still on the brink of extinction.

BuffaloThis animal's true name is the American bison, but most Americans call them buffalo. The buffalo is the largest terrestrial animal in North America. They are vital to the prairie ecosystem.
Symbolically adopt a bison today.

Life Insurance

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Social Insurance policies

National Pension
The National Pension is a basic public pension system which is designed to provide people with the common pension benefits called gBasic Pensionh.

Coverage

Compulsory Coverage

You must be covered by the National Pension system which will provide you with Basic Pension benefits, and you will be categorized according to your status as follows:

- Category ‡T insured persons: All registered residents of Japan aged 20 or
over but under 60, except for the Category ‡U or ‡V insured persons. The persons include in the Category are mainly, self-employed persons, freelance workers and students as well as their spouses

- Category ‡U insured persons: Persons enrolled in the Employeesf Pension
Insurance system or Mutual Aid Association (except for persons aged 65 or over but under 70 who are eligible to receive pension due to old age or retirement)

- Category ‡V insured persons: Category ‡U insured personfs dependent
spouses aged 20 or over but under 60

How to Enroll in the System and Register yourself under each Category

When you become subject to the Category ‡T insured person, you need to register yourself at your Municipal Office within 14 days, by submitting gApplication to Enroll in the National Pension for the Category ‡T insured personsh (SHIKAKU SHUTOKU TODOKE - ICHIGO HIHOKENSHA) When you become subject to the Category ‡U insured person, your employer needs to enroll you in the Employeesf Pension Insurance or the Mutual Aid Associations. Within the procedure you are automatically enrolled in the National Pension, so no extra procedure is necessary. When you become subject to the Category ‡V insured person, you need to ask your spousefs employer to register you at the Social Insurance Office within 14 days, by submitting gApplication to Enroll in the National Pension for the Category ‡V insured personsh (SHIKAKU SHUTOKU TODOKE - SANGO HIHOKENSHA).

Voluntary Coverage

The following persons can enroll in the National Pension on a voluntary basis:

(1)
Persons aged 20 or over but under 60 who are receiving the old-age (retirement) pension from the Employees' Pension Insurance or the Mutual-Aid Association
(2)
Self-employed persons aged 60 or over but under 65 who have not satisfied the minimum qualification period for benefits or who have not reached maximum insured period to be eligible for full benefits
(3)
Japanese citizens aged 20 or over but under 65 who are living overseas
(4)
Persons born before April 1, 1965, aged 65 or over but under 70 who have not satisfied the minimum qualification period

How to Voluntarily Enroll and Register yourself

If you are subject to the above, except (3), you need to register yourself at the Municipal Office. If you are subject to (3) above, you may register yourself at the Social Insurance Office in charge of your latest residence in Japan. If you have never lived in Japan, you may register yourself at the Chiyoda Social Insurance Office.
Benefits

Old-age Basic Pension

You can receive the Old-age Basic Pension at the age of 65 if you have been covered under the National Pension and Employeesf Insurance systems. To satisfy contribution requirements, your total insurable periods* need to be 25 years or more.

*
Your total insurable periods include your contribution-paid period, contribution-exempted period and other qualifying period when you are covered as the Category ‡T, Category ‡U or Category ‡V insured persons.

Benefit Amount

\792,100 / year (full benefit amount for 40 years of contribution payment)

If you have not contributed or have been exempted from payment, the amount is:
\792,100 x (‡@+‡A+‡B+‡C+‡D) / 40 years * x 12
‡@
Number of contribution-paid months
‡A
Number of full contribution-exempted months** x 1/3
‡B
Number of three-quarter contribution-exempted months** x 1/2
‡C
Number of half contribution-exempted months** x 2/3
‡D
Number of one-quarter contribution-exempted months** x 5/6
*
Shorter for some people, depending on date of birth
**
Depending on your income or according to the National Pension Law, you may be granted an exemption of full- or partial- amount of contribution payment.

How to Claim Your Old-age Basic Pension

To claim your benefit, you need to file the gClaim for the Old-age Benefits under the National Pension / Employeesf Pension Insuranceh (KOKUMIN NENKIN / KOSEI NENKIN HOKEN - ROREI KYUFU SAITEI SEIKYUSHO) at your nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center. You need to attach your Pension Handbook and a certified extract copy of your Family Registry. Please ask at these Offices for the details of your necessary documents of evidence.

Option of gEarly Paymenth or gDelayed Paymenth

The pensionable age for the Old-age Basic Pension is 65 in principle. However, you may opt to receive pension at whatever age after 60. The pension amount varies depending on the time when you claim and receive your pension. Your pension reduces when you opt to receive benefits before 65 and increases when you opt to receive benefits after 65 compared to your pension receivable at the age of 65. Specifically, your pension receivable at the age of 60 is 70 % of that for age 65 and your pension receivable at the age of 70 or older is 142 %. Please note that once you receive your payment, the receivable rate will not change. In addition, if you apply for early payment of the Old-age Basic Pension, you may not apply for the Disability Basic Pension.

How to Apply for the gEarly Paymenth or gDelayed Paymenth

Early Payment

If you opt for the early payment of your Old-Age Basic Pension, you need to attach the gApplication for Early Payment of the Old-Age Basic Pension under the National Pensionh (KOKUMIN NENKIN ROREI KISO NENKIN SHIKYU KURIAGE SEIKYUSHO) when you file the main claim form to your nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center. If you are currently receiving your specially-provided Old-age Employeesf Pension, you need to submit gApplication for Early Payment of the Old-Age Basic Pension for the Beneficiaries of the Specially-provided Old-age Employeesf Pension under the National Pension / the Employeesf Pension Insuranceh (KOKUMIN NENKIN / KOSEI NENKIN HOKEN - TOKUBETSU SHIKYUNO ROREI KOSEI NENKIN JUKYUKENSHA ROREI KISO NENKIN SHIKYU KURIAGE SEIKYUSHO) to the same office.

Delayed Payment

If you opt for the delayed payment of your Old-Age Basic Pension, you need to attach the gApplication for Delayed Payment of the Old-Age Basic Pension under the National Pension / Old-age Employeesf Pension under the Employeesf Pension Insuranceh (KOKUMIN NENKIN ROREI KISO NENKIN KOSEI NENKIN HOKEN ROREI KOSEI NENKIN SHIKYU KURISAGE SEIKYUSHO) when you file the main claim form to your nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center. If you are already receiving your specially-provided Old-age Employeesf Pension, you need to submit gApplication for Delayed Payment of the Old-Age Basic / Employeesf Pension under the National Pension / the Employeesf Pension Insuranceh (KOKUMIN NENKIN / KOSEI NENKIN HOKEN - ROREI KISO / KOSEI NENKIN SHIKYU KURISAGE SEIKYUSHO) to the same office.

Additional Pension Plan

There is an extra voluntary plan to pay a small additional benefit to your Old-age Basic Pension. If you opt for this plan and pay the contribution of \400 / month, you can receive additional benefit, which is subject to early / delayed payment option. However, this contribution is not subject to the Lump-sum Withdrawal Payments.

Benefit Amount

The annual amount is \200 ~ Number of month to which the Additional Contribution was paid.

Disability Basic Pension

You can receive the Disability Basic Pension when you have a certain level of disability specified by law. To be eligible, you must be covered by the National Pension Insurance system on the date of your first medical examination on the sickness or injury which caused above-mentioned your disability. To satisfy contribution requirements, as of the previous day of (the date of) your first medical examination, your contribution-paid periods and contribution-exempted periods need to be more than two thirds of your total insurable periods up to two months prior to your first medical examination month. If the date of your first medical examination is before March 2016, you need to satisfy the above-mentioned requirements or to fill the proceeding one year with the contribution-paid or contribution-exempted period.

Benefit Amount

Grade 1 Disability Basic Pension: \990,100 / year
Grade 2 Disability Basic Pension: \792,100 / year

Additional annual benefits are paid as follows for your eligible dependent child(ren) under age 18 (20 if with certain grade of disability specified by law). The benefit is paid until the first March 31 after the child becomes age 18.

\227,900 each for your first and second child
\75,900 each for your third and subsequent child

How to Claim Your Disability Basic Pension

To claim your Disability Basic Pension, you need to file the gClaim for the Disability Basic Pension under the National Pensionh (KOKUMIN NENKIN - SHOGAI KISO NENKIN SAITEI SEIKYUSHO) at your nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center. You need to attach your Pension Handbook, a certified extract copy of your Family Registry, the certificate of diagnoses issued by your doctor, your X-ray film if necessary, as well as your report on your medical history and on how your disability affect your livelihood/work.@@Please contact these Social Insurance Offices for the details of your necessary documents of evidence. If you had your first medial examination on your disability before you become 20 years old, or if you are aged over 60 but under 65 and living in Japan, you need to file the Claim form to your Municipal Office, instead of the Social Insurance Offices.

Survivorsf Basic Pension

If an insured person dies while contributing to the National Pension, his wife who takes care of his dependent child(ren), or his dependent child(ren) can receive the Survivorsf Basic Pension. The eligible child is aged 18 (until first March 31 after the 18th birthday), or under 20 if he/she has a certain grade of disability specified by law. To satisfy contribution requirements, at the day before his death, his contribution-paid periods and contribution-exempted periods need to be more than two thirds of his total insurable periods up to two months prior to his death. If the date of his death is before March 2016, he needs to satisfy the above-mentioned requirements or to fill the proceeding one year with the contribution-paid or contribution-exempted period.

Benefit Amount

Survivorsf Basic Pension for the deceased personfs wife taking care of one child:

\1,020,000 /year (\792,100 + \227,900 (additional annual benefits for the first child))

Additional annual benefits for the second and subsequent child are as follows:

\227,900 for the second child
\75,900 each for the third and subsequent child

Survivorsf Basic Pension for the only child: \792,100 /year (basic amount)

If there are two eligible children, \227,900 is added to this basic amount and divided evenly between the two. For the third or subsequent eligible child, further \75,900 is added for each child and the grand benefit total is equally shared between all children.

How to Claim Your Survivorsf Basic Pension

To claim your Survivorsf Basic Pension, you need to file the gClaim for the Survivorsf Basic Pension under the National Pensionh (KOKUMIN NENKIN - IZOKU KISO NENKIN SAITEI SEIKYUSHO) at your nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center. You need to attach the deceased personfs Pension Handbook, a certified copy of his/her Family Registry, and the medical certificate of his/her death issued by the doctor. Please contact these Social Insurance Offices for the details of the necessary documents of evidence. If the deceased person has the coverage period only as a Category I insured person, or only as a Category III insured person, not the mix of I or III or any other, the claim need to be filed at the Municipal Office, instead of Social Insurance Offices.

Widowfs Pension

If your husband dies after contributing for at least 25 years as the Category ‡T insured person and if he has not yet received old-age pension, you can receive the Widowfs Pension while you are aged over 60 but under 65. You are quailed if you have been married to him for at least 10 years and you are financially supported by him at the time of his death.

Benefit Amount

Equivalent to your late husbandfs unpaid Old-age Basic Pension (portion for the Category ‡T insured period) x 3/4

How to Claim Your Widowfs Pension

To claim your Widowfs Pension, you need to file the gClaim for the Widowfs Pension under the National Pensionh (KOKUMIN NENKIN - KAFU NENKIN SAITEI SEIKYUSHO) at your nearest Municipal Office. You need to attach your deceased husbandfs Pension Handbook, a certified extract copy of your (his) Family Registry, and a certified copy of your (his) Resident Registry. Please contact the nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center for the details of your necessary documents of evidence.

Lump-sum Death Benefit

If an insured person dies without receiving any pension benefits, and if his/her total contribution-paid month and half number of the contribution-exempted months as a Category ‡T insured person add to at least 36 months, any family member who shared the livelihood with him/her can receive the Lump-sum.

Benefit Amount

\120,000 - \320,000 / year depending on the contribution paid periods of the deceased person

How to Claim Your Lump-sum Death Benefit

To claim your benefit, you need to file the gClaim for the Lump-sum Death Benefith (SHIBO ICHIJIKIN SAITEI SEIKYUSHO) at your nearest Municipal Office. You need to attach the deceased personfs Pension Handbook, a certified extract copy of your (his/her) Family Registry, and a certified copy of your (his/her) Resident Registry. Please contact the nearest Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center for the details of your necessary documents of evidence.

Lump-sum Withdrawal Payments (Exclusively for Non-Japanese Citizens)

If you are not a Japanese citizen, you can claim the Payments after you leave Japan. You can claim the Payments if you have not received any pension benefits and if you have at least 6 months of coverage as a Category‡Tunder the National Pension system. The covered months here mean a total of:
‡@number of your contribution-paid months;
‡Anumber of the third-quarter contribution-exempted months ~ 1/4;
‡Bnumber of the half contribution-exempted months ~ 1/2;
‡Cnumber of the one-quarter contribution-exempted months ~ 3/4.You need to file a claim within 2 years after you leave Japan.PLEASE NOTE that if you receive the Payments based on your coverage period, you can not use the same periods again to apply for the totalization benefits under the Social Security Agreement between other countries.If you are from the country with which Japan has the Agreement, you are advised to consider well, before applying for the Payments, whether you would like to use your coverage periods under Japanese system either to claim for the Payments now or to claim later for the totalization benefits.

Payments Amount

You can find your payments amount as shown below, depending on the month for which you made the latest contribution payment.

If your last contribution is paid for the month between April 2005 and March 2008, your Payments amount is shown in the chart below.

Number of yourcontributed months (months)
Payments amount if:
Your last contribution is paid between Apr. 2007 - Mar. 2008
Your last contribution was paid between Apr. 2006 - Mar. 2007
Your last contribution was paid between Apr. 2005 - Mar. 2006
6 - 11
\42,300
\41,580
\40,740
12 - 17
\84,600
\83,160
\81,480
18 - 23
\126,900
\124,740
\122,220
24 - 29
\169,200
\166,320
\162,960
30 - 35
\211,500
\207,900
\203,700
36 -
\253,800
\249,480
\244,440

If your last contribution is made for the month of April 2008 and after:

Your Payments amount =
Each amount shown in the chart above for gYour last contribution is paid between Apr. 2005 - Mar. 2006h
x
Monthly contribution amount of the year of your last payment
13,580 yen (Monthly contribution amount of the Fiscal Year 2005 *)

*
The monthly contribution amount for the National Pension was \13,300 from April 2004 to March 2005. The amount increases every April (first month of the Japanese fiscal year) from 2005 onward.

Application Form@-
The form includes information on the Payments in the language of English, Chinese, Korean, Portuguese, Spanish and Indonesian.
Contributions

The contribution amount for the National Pension is \14,100/month (for the fiscal year 2007: to be increased every year).

Payment of the Contributions

You may pay the contribution at banks, post offices and convenience stores by using the payment notices sent to you from the Social Insurance Agency. You can take advantage of discount by opting for the advance payment through automatic bank remittance.

Exemption of the Contributions

You can apply for the exemption from contribution payments if you satisfy certain conditions specified by law, specifically, if you are receiving the Disability Basic Pension or the Public Assistance under the Livelihood Protection Act. You may also be exempt from contribution payment if the previous yearfs income of you/your spouse/your home owner is low, and if your application is approved. The type of exemption is as follows: total amount exemption, three-fourths amount exemption (contributions payable: \3,530), half amount exemption (contributions payable: \7,050) and one-quarter amount exemption (contributions payable: \10,580).In calculation of your pension benefits, however, your period of total amount exemption will count as one-third of full contribution paid period, the three-fourths amount exemption as half, the half amount exemption as two-thirds and the one-quarter amount exemption as five-sixths. If you fail to pay the due contribution during the granted period, that will be considered to be non-payment rather than partial-exemption.

How to Apply for Exemption

To establish the exemption you need to apply at the Municipal Office to which you register yourself. You need to apply for the exemption every year.

Recovery of the Past Exempted-Contribution

If you were exempt from the due contribution payments in the past, you can retroactively recover the payments for those as old as 10 years. Please note that a specific index will be imposed on your past contribution amount when you recover the payments. That is, if you were granted the contribution exemption in a certain fiscal year (April to March) and you recover the contribution three or more fiscal years later, your old contribution amount is indexed by certain rate according to the age of the due contribution.

How to Repay the Exempted Contribution

For retroactive payments, please contact the Social Insurance Office (including one in a Social Insurance Bureau) or the Pension Consultation Center.

Special Payment System for Students

If you are a student (including night time schools) and your income is less than a certain amount, you may be allowed to postpone contribution payment if your application is approved. This granted period protects you just as the covered period does. So, if you become disabled or die during this granted period, the Disability Basic Pension or the Survivorsf Basic Pension will be provided if you satisfy the following conditions:

(1)
By the second months preceding to the month of your accident, your contribution unpaid months are not more than 1/3 of your whole covered months.@@Or

(2)
You paid your contributions for the last 12 months up to the second months preceding the month of your accident.

This granted period counts as qualifying period for the Old-age Basic Pension, however, unless you have this period filled with actual contribution afterwards, this period will not be reflected to the old-age benefit amount. You can retroactively pay the postponed contribution in the same way as the grecovery of the past exempted-contributionh above.

How to Apply for Special Payment System for Students

To establish the exemption you need to apply at the Municipal Office to which you register yourself. The application form is available at the Municipal office or the Social Insurance Office (including one in a Social Insurance Bureau). You need to apply for this Special System every year.

Contribution Postponement System for Low Income Youth

If you are in your twenties and your/your spousefs income is lower than a certain level, this system allows you to postpone your contribution payments. To establish your postponement, your application needs to be granted. The procedure and application are the same as those for the gSpecial Payment System for Studentsh.BACK
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About Shikhar Insurance

Establishment
Shikhar Insurance Company Ltd. (SICL) is a General Insurance Company promoted by a young team of reputed Industrial and Business Houses of Nepal having vast experience and excellent leadership that has steered their respective companies through the years along with the various individuals representing the various walks of life. They represent various diversified fields like Banking, Insurance, Trading, Manufacturing, Aviation, Tourism etc.SICL is a company with a vision, geared up to face the every challenge that persists in the insurance industry. The challenges being developing policies as per the requirement of the client at an economical price, filling the void of the acute shortage of technical manpower in the insurance industry, introducing new products at par with international standards, creating capacities within the markets so that the outflow of the precious convertible currency can be minimized etc. We believe that the relationship between the insured and the insurers is one of confidence and trust. Our goal is to set the standard for the insurance industry by providing quality service that exceeds customers’ expectations. The company has the right combination of dedicated service-oriented professionals for which one can always trust for an excellent service. Mission“Guarantees to provide its policyholders the best available insurance protection and prompt settlement of claims when needed” • Company Registrar's Office 2061.02.15 (March 28, 2004)• Beema Samiti (Regulatory Body) 2061.07.26 (November 11, 2004)• Tax Office 2061 (VAT Regd. No. 301517445)• 15th Non life Insurance Company in the country.

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Holi in Nepal
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-->Holi is celebrated with great pomp and show in Nepal. Celebrations lasts for a week in which the entire country gets drenched in the coloured water. Celebrations are of marked importance at Terai and also where Indian community mainly Marwaris have settled. Families and friends get together and celebrate the occasion with a lot of merry making.All over the streets people can be watched having fun, throwing colours and water-balloons, locally called 'lolas' on each other. Though play of colours takes place on the last day, a ceremonial pole called, 'chir' is installed on the first day. Chir is a bamboo pole fringed with strips of clothes representing good luck charms. As the pole is put up in the street at Basantapur, the festivities and worship commences for the week. At the end of the festivities chir is taken to a bonfire.There is a popular legend behind the installation of chir. The story is again about the mischievous nature of Krishna who just loved to pray pranks with the milkmaids or gopis. Playful as he was, it is said that once he seduced all the local girls with his dashing good looks. He then danced with them all and when they fully engrossed in him, then he thought they were ripe for a tease. He doused them in coloured water and stole all their clothes while they were bathing in the water of river Yamuna. Naughty Krishna then hung their clothes on a tree to bug them. Chir symbolizes that very tree. The other legends popular in India as that of Prahlad and his devilish father, Hiranyakashyap. Hiranyakashyap asked his sister, Holika to enter a blazing fire with Prahlad in her lap. However, Prahlad was saved for his extreme devotion by Lord Vishnu while Holika paid a price for her sinister desires. Every year just as in India people in Nepal light a bonfire- called Holika to mark the victory of good over evil.Also known is the legend of Pootana who tried to kill infant Krishna by feeding her poisonous milk on the direction of devil hearted uncle of Krishna called Kansa.

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LIFE INSURANCE: LEARN ABOUT LIFE INSURANCE

If you have dependents or other people with whom you share your life, life insurance can play a vital and valuable role at virtually every stage of your life. The I.I.I. can help you make smart choices when buying life insurance: how much to buy; which type of product to buy; and which one of the hundreds of life insurance companies to choose.

Q: My dad is in a nursing home and I need to change the ownership on his life insurance policies. My mom has a POA for him. How do I go about doing this?
A: Your mother should contact the life insurance company and request the ownership change. She will need to provide a copy of the Power of Attorney. It would be advisable to contact the company through an agent, broker or financial professional, so that you are aware of all consequences of the ownership change.

The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance. Here is some helpful advice for storing your documents.

How much do you really know about life insurance? Take this quiz and test your life insurance know-how.

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LIFE INSURANCE BASICS
Why should I buy life insurance? How much life insurance do I need? What are the principal types of life insurance? How is life insurance sold? What is a beneficiary?
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FACTS AND STATISTICS: Life Insurance

TYPES OF LIFE INSURANCE
What are the types of term insurance policies? What are the different types of permanent policies? Why should I purchase permanent insurance?

BUYING AND SAVING MONEY
How should I choose what type of life insurance to buy? How do I pick a life insurance company? How can I assess the financial strength of an insurance company? How should I choose a life insurance agent? How can I save money on life insurance?

SPECIAL BUYING SITUATIONS
What is “burial insurance”? Do "empty nesters" need life insurance? Should I buy life insurance on my child’s life?

KEEPING YOUR LIFE INSURANCE CURRENT
How should I organize and store my life insurance records? How often should I review my policy?

HELP!
If I can’t pay my premium, what should I do? How do I file a life insurance claim? How can I locate a lost life insurance policy? Where can I get additional information on life insurance?

FACTS
Which companies are the largest writers of life insurance?

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