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Young Home Maker's Pension and Retirement Industry
Sumanth
Economic deprivation of women in India is well documented. It is well known that women do not get a share of property from their parents in India even though the inheritance laws are made gender neutral now. Women who are widowed or divorced with children are considered as burdens on their parent’s and brothers.
Women who play the role of home makers do not get a salary every month. Let’s ask, do they get retirement benefits and pension, when they retire from the role of home makers ?
That’s an interesting question. As we explore the answers to this question, slowly some interesting and shocking facts will come to light.
Most companies have a provident fund (PF or in US 401k) for their employees, where the employee and the employer make a contribution. As an employee retires after many years of work, his PF or 401k amount grows to a big amount of money, a part of which he utilises to have a monthly income or pension. A person gets pension only when he or she works for a long time, often for two or three decades. If a person leaves a job in two or three years, he virtually gets nothing as the money in his PF or 401k is very less. Now, let us see how it works for home makers in India.
Aneef (name changed) is 26 year old software Engineer and is married. His home maker wife Najma (name changed) quit after 6 months of marriage and went back to her parent’s place in Delhi. The court at Delhi awarded her a pension of Rs.25,000/- (USD 550) per month from her employer, i.e. her husband Aneef. Well, in legal jargon, this pension is called “interim maintenance”.
Wow!! No other job anywhere else in the world will provide a person with such a huge pension for a short career of 6 months. Interestingly, a woman who has worked for 25 years as a home maker would also have got the same or lesser pension per month, if she had quit her role as a home maker.
So, earlier you quit the marriage, the better it is. Now I am enlightened.
In fact, a judge gets a pension of Rs.25,000/- per month after working for 30 long years. The young home maker has a chance to get that much pension for a career of just 6 months.
This thoughtless progressivism has inspired a lot of old men. At the first opportunity of their daughter complaining about her husband on a trivial issue, they motivate her to quit the marriage and claim pension from her young husband, trained in all possible soft skills in the world. Staying in marriage is a struggle for young women. They are expected to cook, clean and maintain good relation with interfering in-laws without any pay. Separation is profitable as you get Rs.25,000/- for doing absolutely nothing. One can just lie on a sofa, watch TV at papa’s home and get all those free bucks in your bank account every month. In fact, your husband pays an additional Rs.10,000 as tax to Government before he transfers Rs.25,000 to your bank account. This tax money goes to pay salaries to the police, the judiciary and the law makers.
If the employer of home maker (or husband) cannot pay this pension (or interim maintenance) due to bankruptcy, then he can be simply thrown in jail or can be told to sell his kidneys or even beg, borrow and steal money to pay you. A man in Punjab asked the court to allow him to sell of his kidneys as he was unable to pay two different pensions to his wife.
http://timesofindia.indiatimes.com/india/Punjab-Man-wants-to-sell-kidney-to-pay-alimony/articleshow/4938839.cms
I am further enlightened. I am really inspired to employ a home maker in my home.
This thinking comes from old law makers, who have absolutely nothing personal at stake. They have one leg in the grave and have got nothing to lose.
Bangalore based Software Executive Raveesh’s (name changed) wife of 1.5 years wanted to quit marriage. In the court, she claimed Rs.1 crore (USD 220,000) as one time retirement benefit, which is termed as Alimony in legal jargon.
Here is the conversation I had with Raveesh:
Me : “what is the ground for her to claim this amount?”
Raveesh: “She wants Rs.30,000/- per month for next 30 years. So, it comes to about Rs.1 crore and she wants it now. In fact, after going to court she has joined a famous Multinational Company as she is an Engineer.”
Wow!! India has really progressed. I am confused, why so many young women are still staying in marriage, when they have a potential get such huge sums of retirement benefits waiting outside the door as they quit? May be a lot of young women are still not aware of all these money that they stand to gain as they quit.
However, it has become extremely rare for me to find a woman, who does not claim a huge pension or retirement benefit from her husband.
DNA India reports the story of a young wife claiming maintenance from her husband. It says(
link),
Tina has claimed the maintenance of Rs2.5 lakh (USD 5000) a month. “Because of the attitude of the respondent [Nitin], she is being deprived of higher studies,” adding that because of Nitin’s assurances she had enrolled in Simmons Woman College in Boston to pursue MBA.
2.5 lakhs income without any work just for being a young woman!!
In fact, some young home makers today go to the extent of demanding their husbands or husband’s parents to transfer their homes/properties in her name. Her father shouts, “How dare you not pay rupees one Crore and transfer your house in her name? You all ruined her life.”
Some old men even hire thugs to attack the husband and his parents. The courts look other way as such huge extortions take place. All these exorbitant claims are very well documented in court petitions submitted by women or their lawyers. Yet, the judges do not consider these as extortions (or reverse dowry) and instead tell men to go for out of court settlements with family elders and well intentioned lawyers.
The problem is not exactly with the judiciary. India is an “Old Male” dominated society. Old Males have one leg in the grave, another organ in Manusmriti and their souls live in 12th century, which makes them go crazy as they see rising separations and divorces in India. The old and stiff neural structures in their brains misfire badly when the information from cyber age enters through their dysfunctional synapses. As these old males occupy a lot of powerful positions, the social policies are getting badly screwed up.
So, these crazy old males ended up creating a process in which a young woman are rewarded with 3 or 4 lakhs (USD 6500 to 8500) every single year as pension (or maintenance) for getting separated from her young, hardworking, sincere, considerate and faithful husband.
Just the way tax breaks on home loans makes people buy homes, the high monetary rewards to get separated makes young women think of divorce without working out any differences with their spouse in a rational manner. I have also come across stories, where her old father literally blackmails and imprisons her to ensure that the relationship is completely ruined, so that she gets that pension of Rs.25,000/- per month.
Apart from insane old males, there are other vultures in this game as well.
When a pension (or interim maintenance) claim of Rs.2.4 lakhs per month is made from a husband by a woman or her lawyer, can we guess the percentage a lawyer can expect to get as commission? We estimate more than 5,00,000 separations or divorces in Indian every single year.
This is a new service industry, which employs a lot of people. There is no manufacturing; no green house gases and so many people are employed in this “Home Maker Retirement and Pension” industry.
To claim this new kind of pension, young home makers have to just approach the lawyers. First the lawyers file a lawsuit under section 125 of Hindu maintenance act demanding a huge amount of money for every month. Then, they file another lawsuit under Domestic Violence Act (DV Act) in a separate court again demanding money with the complaint that the husband has done domestic violence (economic violence) against the young hapless wife, by not giving her any money. The lawyers also coach the woman to wear a conservative dress (a Saree or a Salwar Kameez) and shed a lot of crocodile tears in the court.
Then, the family court and the domestic violence court act independently and give separate orders to the husband to give two different “pensions” (or maintenance) to the young woman. For example, the family court may order him to pay her Rs.12000/- per month as maintenance and the domestic violence court can order the man to pay Rs.8,000/- per month.
The young men go mad at such nonsense. Have you ever heard of a company giving two pensions to anyone who works for 6 months or a year? Some of these men just run to nearby multiplex to watch “Inglorious Basterds”. They are under siege from a vicious attack by the old males in the establishment. Most old males have no capacity to get educated.
Young Men ask, “Where do we ring the Bell now?”
I say WTF. A man is not an ATM Machine.
Young Husbands Protest at Nagpur Marathon:
Women in short marriages of 3 years or less deserve no pension or retirement benefits. Courts must not award any maintenance or alimony, if marriage is less than 3 years and there are no children in marriage. Women and men are equal today. At most, the husbands can be told to give the young home maker a loan for training to get a job.
The “old male” dominating society has to change. The old males have to realise that their insane behaviour in different social issues like alimony, moral policing, and individual freedom can create a serious backlash against them one day or other. The solution for them is to give up all that power they have concentrated in their hands and take up something that their senile brains can afford to handle.
Young Home Maker's Pension and Retirement Industry
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suresh
URL
February 4, 2010
05:43 AM
Government should stop treating husbands as free ATM machines
suresh
srikanth
February 4, 2010
07:56 AM
LOL, Sumanth. You are the best when it comes to present some serious issues with good sense of humour and sarcasm.
But what about the society. The society has different faces. I mean, What ever you said in the article well suited for metropolitan cities where women are no more inferior to men.What about the villages and small towns?
DCritic
URL
February 4, 2010
01:10 PM
Yes its like the hop-on-hop-off tour buses, u need not complete your city tour in one bus... u can catch other buses(males) of the company and pace your tour to your convenience. The only difference in this analogy is that here when you alight from each bus you(a woman) can claim your pension/PF(maintenance/alimony).
Sam
February 4, 2010
02:29 PM
Lawyers aka "hooligans in black" are the biggest enemies of the constitutional rights of the citizens in our namesake democracy. I have come across lawyers in major cities that have built huge empires filing false cases of DV, maintenance and 498a in their hundreds. For these shameless bastards, talking about women's issues is a convenient way to mask their greed and unethical behaviour. Most of the judges manning our judiciary are a disgrace to the words "judge" or "justice". When such convenient tools of extortion as the DV act, maintenance, alimony and 498a, coupled with unethical lawyers and judiciary, are made available; even otherwise reasonable people would be tempted to make use of those for easy profits. What a shame!
It is time all the male victims of this monstrous injustice unite and challenge the unscrupulous, senile bastards manning our legal and legislative institutions.
Sumanth
February 4, 2010
03:56 PM
Srikanth,
Exactly. Society has many faces. However, the male side of the story is often ignored, as society takes males for granted since ages.
In Indian villages, many different things happen. Those innocents, who have stayed in Indian jails for for a week or more tell me that a lot of poor, uneducated innocent men there pleading them to arrange some money to get bail for them.
The situation of men becomes much worse, if a woman in a village goes to court. Because no court now a days orders Rs.1000 as maintenance to her.
The courts normally ask the man to pay Rs.2000 or Rs.3000. The poor uneducated man (a farmer, daily labourer or shop keeper) goes bankrupt in litigation as lawyers are costly for a villager and he as no education to argue. Once he spends Rs.20,000 or Rs.30,000 he enters into a debt trap of local money lender, who gives him money at 40% interest rate.
So, he fails to pay the money and after 3 warnings he gets warrants and after 5 warnings he gets non-bailable warrants on him and is thrown inside a jail.
Once inside the jail, he has no income and hence he can not pay a lawyer Rs.5000 to get his bail. So, he stays inside jail for 2 or 3 months. If someone in jail has some sympathy, he may get out or else he stays inside there for much longer.
In the meantime the Old Morons will tell us that our jails are full.
-----
There are also women in village, who do not go to court or claim maintenance.
-----
Sumanth
February 4, 2010
04:08 PM
Even today in 21st century, Manusmriti or some ancient proverbs are quoted in courts.
Here is text of a judgement, which quotes a proverb that Husband may beg, borrow and steal but he has to maintain his wife.
The duration of marriage has no significance here.
----------
4. It is true that words 'sufficient means' have been used in Section 125(1) Cr.PC. But these words do not mean that the husband should have any visible means or a definite employment. The words 'sufficient means' are of wide connotation and include the capacity to earn money. If a man is healthy and able bodied, it must be inferred that he can have the means or has the means to
support his wife. Even the unemployment of the husband does not exonerate him from the liability to maintain his wife. It is the capacity of find out whether he has sufficient means to provide maintenance to his wife. In the instant case, the husband is a young man having passed the matriculation examination. There is no averment that he is not healthy or able-body person or is otherwise a handicapped person. He has thus all the potentiality for earning. If he does
not use his potentialities for earning, the wife cannot be denied the maintenance on that account.
In the proverbial saying, the husband may beg,
borrow and steal but must maintain his wife. There is nothing in the judgment of their Lordships in Savitri's case which may render any help or assistance to the husband.
------
DCritic
URL
February 4, 2010
05:00 PM
"In the proverbial saying, the husband may beg,
borrow and steal but must maintain his wife. "
The guy should rob that very judge's home and provide his wife with the easy-pension!
Ram Balak
February 5, 2010
02:51 AM
Srikant,
Please allow me to submit on your following question;
What about the villages and small towns?
---- This question is the biggest problem. Your goverment talk about women in villages and make law for urban women.
---- You know latest women reservation bill and other fake empowerment issues taken up by your goverment.
----- BTW, do you consider mothers and sisters as women? or for your also women means wife only (NCW cosiders them only)
There is a famous saying that "Goverment (Read radical)talks about Sita but empowers surpnakha".
The women in villages are hardworking, you may see them working in field alongwith others if you visit any village for verify.
blokes
February 5, 2010
03:12 AM
yes, sumanth- very valid points- being a woman i am shocked that a sister of mine would stoop so low to make free money- very sad indeed. i hope this abuse stops.
srikanth
February 5, 2010
04:27 AM
Ram Balak,
Don't assume too much, I never said that sisters and mothers are not women,period.
It is not my government.
ct
February 5, 2010
10:22 AM
I usually don't comment here but this extremely stupid article made me do so.
"I am confused, why so many young women are still staying in marriage, when they have a potential get such huge sums of retirement benefits waiting outside the door as they quit? May be a lot of young women are still not aware of all these money that they stand to gain as they quit."
Surprise! Surprise! Because some of them actually marry for love. And want to live with that person inspite of all the so called 'monetary benefits' of a divorce. And they are happy living with all the imperfections of a married life than quit for a huge some of money. Not every woman is a gold digger.
"However, it has become extremely rare for me to find a woman, who does not claim a huge pension or retirement benefit from her husband."
You're moving in all the wrong circles if these are the only kind of women you meet. Pity's the word for it.
The authoe probably doesn't realise that
Daddy_Warbucks
February 5, 2010
02:24 PM
Reminds me of the old slogan of Income Tax department. "File, Smile and Go Away" was ubiquitous in all the Ayakar Bhavans.
Desi men should have their own version of "File, Smile and Go away" in current context.
"Raat Bitaoo, Muskoorao aur Bhaago-rey-Bhaago"!
Sumanth
February 5, 2010
05:09 PM
blokes,
This situation is due to lack of space in a society for men to communicate and the conditioning men go through by society (and other men) to tolerate injustice as dalits, as poor men or as discriminated husbands.
There is heavy political correctness built around "maintenance and alimony". It took me months to prepare this argument.
-------------
I know, many men will find this article extremely awkward or even stupid, while it is a simple article showing very simple facts.
In fact, many men will just ignore this article as it lands at the blind spots of their mind.
-------------
There is also "Bakashura" effect.
Bakashura was a man eating demon in Mahabharata. Everyday, the villagers will send one "weak" man to him so that he can eat him and allow all others to live in peace.
Similarly, the men in the society collectively feed a small minority of so called "weaker" men to a Bakashura to divert attention. Bakashura here is a hungry social issue called "gender sensitivity".
To divert attention from vultures like molestor Rathore, they discriminate another section of "weak" males.
=================
The law makers are men. The judges are men and the lawyers are also mostly men.
=================
I am not surprised by the comment of CT, who does not see that this article is categorised under satire and is not just bothered with the issue at hand.
Its men whom we are fighting.
I always say, do not focus on the Monkey. Just find out, who has given the gun to the Monkey. Its the men in powerful positions, who are solely responsible for this situation.
I will not blame the women. Even some men would have done the same, if there is free money available. In fact, they do so in case of dowry.
Either way, its the "old fashioned men", who have screwed up the situation whether the in issue of dowry or reverse dowry/extortion.
----
Silence is same as approval. Men who remain silent to such atrocities on other men are abettors to this crime.
Now, they may say, "I am in love and I am happily married", but they are silent abettors.
----
Now, the discriminated men today are not so weak that they will enter into the mouth of Bakashura. They have money, they also have muscle, brains and internet.
They can also seek and plot revenge. That's why they go to see "Inglorious Basterds".
Can other men (even those in high chairs) afford that misery.
--------
CT,
Today, if I and my students start a vehement campaign in favour of law against "Sexual harassment of women at workplace" pending before parliament, .....
a good percentage of so called "Happily Married" men will get royally screwed, when they have to pay compensations like former Infosys VP "Phaneesh Murthy" after getting defamed in media.
-----------
So, CT do not worry, if I open flood gates, the other category of men will get fed to many "Bakashuras" and other demons.
The "old mosquitoes" are finished either way. The younger jokers, will get fed to Bakashura, the monster you all have created.
If I demand non-bailable cognizable laws against molestation by joining hands with Law Minister Veerappa Moily, the "happily married" men have to pay huge compensations as many prostitutes (oops escorts) in street or at workplace can grope you and file a molestation complaint to get 2 lacs from you all.
You all men will think 10 times before going into a room with a female colleague for performance appraisal discussions.
And your heart beat will cross 105 per minute, when you think of laying off any female employee after getting orders from above.
-----------
The Bakashura can be tamed and directed towards other happily married men and do not worry this will also happen very soon.
Sumanth
February 5, 2010
05:44 PM
Daddy_Warbucks,
"Raat Bitaoo, Muskoorao aur Bhaago-rey-Bhaago"!
Wow!!
If a man throws Rs.25,000 per month he will get a young part-time wife for sex, another part time wife for "love and emotional needs" and another one for massage.
And he can change the whole set next month or can focus on his work for next few months.
In fact, I have even seen many happily married men do that.
Thai airways has started couple of new flights.
===========
If men get down to this model, the stock price of sky rocketing high premium stock "wife" will crash as it has already happened in US or German markets. The other small cap stocks are attractively priced. The world markets are also coupled now.
The current boom in share price of "wife" will continue for another 2 or 3 years in India and then there will be a big crash.
The Old Men and romantic films are sustaining the share price by artificial stimulus (dowry and romance). Once that stimulus is removed, the price is sure to crash.
===========
Gaensh Ganu
URL
February 6, 2010
12:08 AM
NicelyDrafted the issue of maintenance. this is only reason why women go out of the marriage. one issue Due to mainteance Today young female are ready to break the marriage . you donot feel the govement by distributing hard earned money promoting breaking of marriage. wife get's free gift if she break marriage. one day will come nation will cry for his misdeed. judicary burden will be alway there !! keep crying judges for burden of cases. even the rapist and murderer have right to enter in the own house but husband need court and wife permission to enter in own earned house. British Rajj aa gaaya!! husband cannot freeze husband account but wife can do..
wife can kill the husband and his family still can escape from law under sympathi. but only wife allgation can make a case which will run for 10 years.. unresulted procecution is husband harrasment. rapist family donot get punishment , but husband family relative name are involved in the matimonial dipute.. cancer, HIV in the body can recover , donot take your right but only matrimonial dispute take all right and make you "GULAM"
Today Slogan of wife"
"Bharat Mata muze Kuch nahi ATaa muze maintenance do "
yodha
URL
February 6, 2010
12:40 AM
The real issue is expectations from productive men... and their exploitation by all others like older men in high positions, society, family.
I know many men who are torn between demands of earning for family, kids education/marriage, spending time with wife/family and also taking care of old parents etc. They cannot get out of rat race for fear of losing job or status in workplace.
Of course, no articles get written about them, since if that happens, they may actually get sympathy and may stop working obscene hours. Who will then make the things, pay for old men's pensions, pay taxes to govt.
The issue of permanent pension to wives is but a perverse manifestation of same phenomenon, where the beast of burden called man is exploited by all till the day the beast of burden breaks down or dies. In case of men's death, it anyway usually leads to good life insurance money for everyone else since society ensures that men are heavily insured. Now Indian private life insurers are also taking the same theme in their advt, asking men to make sure they are adequately insured! For what? Why can't wives be insured, can't they earn and support families?
Sumanth
February 6, 2010
04:46 AM
Request for help in a Men's Support Network:
------------
"Spouse is obsessed with sex. It's a regular thing and she makes a fuss when I refuse. Last evening when I explained I wasn't feeling well she inferred that as an insult. She made a fuss about it and referred to it as cruelty and harassment. She averred that it's the "duty" of husband to agree for sex whenever the spouse wants to. Not paying heed to my words, she called up my parents at 1am and made it an issue. She slept separately and accused me that I have harassed her."
-------
If husband demands sex and abuses then marital rape and domestic violence. If wife does so, then its her "rights", denial of which even in polite language is cruelty to her.
Indian women have really progressed!!
Nathan
February 6, 2010
08:19 AM
Indian me will have to start doing what we do in the West - refuse to marry women. It is the only way to ensure that you have a happy life.
Amrik
February 6, 2010
08:20 AM
Marrying in India should be avoided at all costs.
Sumanth
February 6, 2010
06:43 PM
The probability of a young man getting into this kind of financial mess (fully or partially) is 7/100 in India.
That's too high a probability.
Its seems like most young men avoid this situation by severely compromising their quality of life.
As awareness of these serious issue increases, this will first delay the age of marriage (as it happened in Taiwan) and then it will lead to decline in marriage.
--------
The interesting case is:
when a young Indian guy applies for divorce in US after a very short marriage, he almost gets it by paying absolutely nothing.
So, this can start a "divorce tourism" to US from India.
For divorces in US, the Indian Govt has coined a term called "abandoned brides", which basically means the young guy escaped from clutches of Indian govt without paying the huge pension to the young woman and the brokerage to the lawyers.
Indian Government is a disgrace on the earth. The stinking corruption, unscrupulous mental attitudes and insanity of this Government, is going to screw it one day or other.
It is just a matter of some "probability".
Now, I understand why Rahul Gandhi, son of chairperson of ruling Congress party Sonia Gandhi is a "frustrated bachelor".
http://www.youtube.com/watch?v=0_knzgegeJA
Sumanth
February 6, 2010
10:29 PM
There should be new Taliban style laws, where such extortionist women are whipped in public 50 times by the male victim with a 1 meter long stick, which is no thicker than a thumb. Then, they can be tattooed "pension seekers" on their forehead.
When male dowry takers are beaten up in full public view (in front of media), then the female extortionists should also get similar treatment.
Society is pretty lenient to female criminals and murderers. That's why the whole mess gets created as females think they are above the law.
Suresh
URL
February 7, 2010
12:21 AM
More and more judges, CXO's, top managers, IAS, IPS, Politicians should get 498a/DV. If one IPS gets 498a then he will create so much awareness among his collegues that to create that kind of awareness by SIF it will take lot of effort, time, money and energy. This is true for IAS, Judges etc...
3* and 2* in police know that 498a is heavily misused but IPS/IAS still thinks % of misuse is low. I spoke to to a top IPS in Bangalor e recently....
Sumanth
February 7, 2010
01:33 AM
Suresh, so you should basically publish a book called "100 ways to screw your husband", so that all educated females learn these lessons quickly.
It can be converted into an Ebook.
Once this spreads fast, the old fellows will get tormented as their daughters-in-law start doing this.
This will also increase false rape and false sexual harassment at workplace cases.
Accelerating these abnormal diseases is one of the ways to get a faster cure.
Slime
February 7, 2010
10:52 AM
the root cause is not money, but the eagerness of the society to award the woman and punish the husband. the award is not always monetary..child support is never owned jointly .. nor does government pitch in schemes for the wiling women to empower them than loot the husbands..
why should an educated woman ask for alimony? more often or not the policy must be designed in such a way that these women find employment opportunities and government can give them interest free loans..
Sumanth
February 9, 2010
05:37 PM
Judges are also ordering the people, charged under dowry cases etc, to pay maintenance as a bail condition.
This particular judgement even denies the person from seeking information using Right to Information Act. Is asking information to Govt under RTI also domestic Violence?
Its sad that the quality of judgements have become so poor.
http://courtnic.nic.in/dhcorder/dhcqrydisp_O.asp?pn=10933&yr=2010
The petitioner is the accused in the FIR of offences under Sections 498A/406/34 of the IPC. He is working as a senior scientist with CSIR. According to the complainant wife, she is living separately from petitioner since 26th
November, 2008. FIR was lodged on 4th June, 2009.
bail conditions.
a. That the petitioner shall not file any complaint and/or RTI enquiries qua the affairs of the complainant wife or any of her family members.
b. That the petitioner shall continue to pay a sum of Rs.10,000/- to the complainant wife w.e.f. 1st December, 2009 and till the date of decision on the application for interim maintenance in maintenance proceedings stated to have been separately instituted.
c. The petitioner shall not leave Delhi without the permission of IO and shall deposit his passport with the IO.
Sumanth
February 12, 2010
08:33 PM
According to Supreme Court of India,
Silence is Domestic Violence (and cruelty)
http://timesofindia.indiatimes.com/india/Spouses-silence-may-amount-to-cruelty-says-SC/articleshow/5566526.cms
Courts are for justice or for creating new definitions in English language?
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