Add 899999

setup_documents.py

@@ -197,6 +197,71 @@ The retirement package is designed to provide comprehensive financial support an
         "filename": "retirement_benefits.txt",
         "source": "Retirement Benefits Manual 2024"
     },
+    {
+        "content": """Government Pension Policies: Comprehensive Overview
+
+India's government pension system has undergone significant reforms to ensure financial security for public sector employees. Here are the key pension policies:
+
+**1. OLD PENSION SCHEME (OPS)**
+- Available to: Government employees recruited before January 1, 2004
+- Type: Defined Benefit Scheme
+- Features:
+  * Guaranteed pension of 50% of last drawn salary
+  * Dearness Relief applicable
+  * Family pension available to dependents
+  * No employee contribution required
+
+**2. NEW PENSION SCHEME (NPS)**
+- Available to: Government employees recruited after January 1, 2004
+- Type: Defined Contribution Scheme
+- Features:
+  * Employee contribution: 10% of basic salary
+  * Government contribution: 14% of basic salary
+  * Market-linked returns
+  * Portable across jobs and sectors
+
+**3. CONTRIBUTORY PENSION SCHEME**
+- Transition scheme between OPS and NPS
+- Applicable to certain categories of employees
+- Combines elements of both schemes
+
+**4. FAMILY PENSION POLICY**
+- Eligibility: Spouse and unmarried children of deceased employee
+- Amount: 50% of employee's pension or ₹9,000 (whichever is higher)
+- Duration: Lifelong for spouse, until age 25 for children
+
+**5. DISABILITY PENSION POLICY**
+- Categories: Extraordinary, Ordinary, and Invalid pension
+- Medical board assessment required
+- Compensation for service-related disabilities
+
+**6. POLICY REFORMS AND CHANGES**
+Recent policy developments:
+- Restoration of Old Pension Scheme in several states
+- Enhanced minimum pension amounts
+- Digital pension processing systems
+- Automatic pension updates
+
+**7. PENSION GOVERNANCE FRAMEWORK**
+- Administered by: Department of Pension & Pensioners' Welfare
+- Regulatory body: Pension Fund Regulatory & Development Authority (PFRDA)
+- Implementation: Through banks and pension disbursing agencies
+
+**8. ELIGIBILITY CRITERIA**
+- Minimum service: 10 years for pension eligibility
+- Superannuation age: 58-62 years (varies by service)
+- Voluntary retirement: After 20 years of service
+
+**9. RECENT POLICY INITIATIVES**
+- Digital Life Certificate (Jeevan Pramaan)
+- Pension through Aadhaar authentication
+- Direct Benefit Transfer (DBT) for pensions
+- Centralized Pension Processing Centers
+
+These pension policies are designed to provide comprehensive social security and ensure dignified retirement for government employees across India.""",
+        "filename": "pension_policies_overview.txt",
+        "source": "Department of Pension & Pensioners' Welfare 2024"
+    },
     {
         "content": """Government procurement policies and procedures ensure transparency, fairness, and value for money in public purchases.