1)Social security benefits provided by TATA INSURANCE: Long-term Disability Insurance: Benefits Purpose This document describes benefits

provided to regular, full-time employees under long-term disability insurance. Benefits Long-term disability insurance benefits include:

Partial income replacement Rehabilitation services Pension contributions Each is described in the sections that follow. Note: There is no provision for medical care costs under long-term disability insurance. However, Research Foundation health, dental, vision, and life insurance benefits may be continued based on certain criteria and eligibility requirements (explained in the Benefits Handbook). Coverage is continuous from the time an employee ends New York State Disability and begins long-term disability, provided the employee has been approved for long-term disability.

Partial Income Replacement First Reliance Standard Life Insurance (First Reliance) provides partial income replacement benefits to employees with a certified total disability. The maximum benefit an employee may receive is 60 percent of his or her regular monthly salary, up to $7,500 per month. The minimum benefit allowance is $100 per month. How Monthly Salary is Calculated Monthly salary is one-twelfth of an employee's projected annual salary at the time the employee becomes unable to work because of the disability. Overtime, bonuses and other forms of compensation are not included in the calculation of monthly salary. Cost of Living Benefit A long term disability participant's monthly benefit will increase each year after payments have begun. The increase will equal the lesser of the percentage change in the Consumer Price Index or 3 percent.

Substance Abuse (Drugs and Alcoholism) First Reliance will provide employees with a maximum of 24 months of benefit payments for a total disability due to substance abuse (drugs and/or alcohol) while the insured is participating in a Substance Abuse Rehabilitation Program. Rehabilitation Benefit First Reliance provides employees with rehabilitation benefits to aid recovery and return to work. Rehabilitative employment must be supervised by a physician or certified rehabilitation specialist approved by First Reliance. Pension Contributions If an employee is vested in the basic retirement plan at the time of disability, First Reliance will coordinate with the Teachers Insurance and Annuity Association (TIAA) to make contributions to the person's annuity contract while the person is receiving long-term disability benefits. Disabilities Not Covered Benefits are not paid if the total disability is due to sickness or injury resulting from war (declared or undeclared), from intentionally self-inflicted injury, or from committing a felony. Benefit Payments Benefit payments for a certified long-term disability begin on the first day following six consecutive months of a total disability, or when full-time sick leave benefits end, whichever comes later. Monthly income replacement payments are made directly to the disabled employee by First Reliance. Benefit Payment Offsets The 60 percent of monthly salary payment is reduced by any income an employee receives from any other group disability income insurance, Workers' Compensation, actual or estimated Social Security or other government disability benefits, retirement income benefits, or sick leave benefits. The First Reliance disability benefit is also reduced if, at any time an employee's current First Reliance benefit, in combination with any other group disability benefit for which an employee is eligible, exceeds 70 percent of his or her regular monthly salary. Note: Since New York State Disability continues for six months following the employee's exhaustion of sick leave accruals, an employee could simultaneously collect long-term disability and New York State Disability benefits.

Social Security Disability Benefits There is a five-month waiting period from the start of the disability before employees become eligible for Social Security disability benefits. Employees must apply for Social Security when applying for long-term disability benefits. First Reliance provides employees with assistance in obtaining this benefit. 2) Indian railways India and Portugal Sign Social Security Agreement

A Social Security Agreement (SSA) was signed by Shri Vayalar Ravi, the Minister of Overseas Indian Affairs and Mr. Paulo Sacadura Cabral Portas, Minister of State of Foreign Affairs of Portugal here today. Speaking on the occasion, Shri Ravi said about 75,000 Indians are living in Portugal, most of them are working as professionals and self-employed. The bilateral Social Security Agreement is significant requirement from the futuristic point of view to take advantage of the emerging employment opportunities and to further strengthen the trade and investment between the two countries. The Social Security Agreement between India and Republic of Portugal will provide the following benefits to Indian national working in Portugal: For short term contract upto 5 year, no social security contribution would need to be paid under the Portuguese law by the detached workers provided they continue to make social security payment in India. The above benefits shall be available even when the Indian company sends its employees to Republic of Portugal from a third country. Indian workers shall be entitled to the export of the social security benefit if they relocate to India after the completion of their service in Republic of Portugal. The self-employed Indians in Republic of Portugal would also be entitled to export of social security benefit on their relocation to India. The period of contribution in one contracting state will be added to the period of contribution in the second contracting state for determining the eligibility for social security benefits. India has so far signed the SSA with seventeen countries viz. Belgium, Germany (Social Insurance), Switzerland, France, Luxemburg, The Netherlands, Hungary, Denmark, The Czech Republic, Republic of Korea, Norway, Germany (Comprehensive SSA), Finland, Canada, Japan, Sweden and Austria.

3) hcl What's it like to work for HCL Global Systems? One way to find out is to attend a HCL Global Systems recruiting event, where you'll have an opportunity to talk with a HCL Global Systems recruiter to get to know our company and our employees up-close and personal, to learn about new technologies on the horizon, and to explore career opportunities. At HCL Global Systems, we're excited to be part of a technology industry that is fundamental to the way people live, work, and play. We're also dedicated to supporting the industry, the partners and developers that comprise it, and creating opportunities for our customers.

All kinds of people; all kinds of potential

At HCL Global Systems when we talk about recruiting the best and the brightest, we're talking about people who thrive on the excitement of collaboration and the discovery of new opportunities. They like setting their own goals and working hard to achieve them in their own style. They apply their talents in myriad positions, from sales and marketing to technical design and programming, to product support and consulting. Why are they here? To create something that matters to themselves, and to millions of people around the world.

We value diverse ideas

HCL Global Systems has established a number of initiatives to promote and integrate diversity at every level within our organization, and to demonstrate this commitment locally, nationally, and globally.

Diversity Education Programs

These programs reinforce our commitment to diversity and ensure that our employees have the tools and resources they need to grow professionally. The emphasis is on understanding and valuing differences, and leveraging them in order to compete effectively in an ever-changing marketplace. Career choices with HCL Global Systems; the HCL Global Systems experience is about choice. When you join our team, you have the choice of Full time employment with on-site and off-shore project works. At HCL Global Systems, the best talent agents in the industry assure HCL Global Systems employees the right fit, on the right assignment the first time.

Access to these great assignments helps HCL Global Systems employees achieve their career goals and gain valuable experience.

Top talent deserves top treatment

New perks for HCL Global Systems employees always being added. Your HCL Global Systems talent agent has all the details. Cool Perks for hot talent. With the HCL Global Systems experience you also gain access to a wide range of Cool Perks the stuff that turns a decent job into a decidedly desirable opportunity. Cool Perks help you develop your skills, protect your health, and ensure your future growth.

Payroll and direct deposit

HCL Global Systems employees are paid monthly. We take care of all payroll deductions required by state and federal laws; we match social security contributions and provide workers compensation insurance.

Health Benefits

HCL Global Systems employees are eligible to enroll in medical, dental, and insurance programs through HCL Global Systems preferred health-care vendors. Your benefits are more comprehensive and are paid on a salaried basis earning paid-time off (PTO), holiday pay and you can participate in a flexible spending program. Enrollment materials are included in your personal new hire package. To become eligible for HCL Global Systems employee status, you must:

Be a W-2 hourly consultant Meet 'exempt' classification status

Every star needs an agent

What's it like to work for HCL Global Systems? One way to find out is to attend a HCL Global Systems recruiting event, where you'll have an opportunity to talk with a HCL Global Systems recruiter to get to know our company and our employees up-close and personal, to learn about new technologies on the horizon, and to explore career opportunities. At HCL Global Systems, we're excited to be part of a technology industry that is fundamental to the way people live, work, and play. We're also dedicated to supporting the industry and the partners and developers that comprise it, and to creating opportunities for our customers.

Employee Referral Policy.

Any active employee can refer a candidate towards an open position at the company. Any open position at our company is eligible for a referral reward. For a list of open positions, please visit the Openings page in this section of the website. New positions are added, and openings change, so please check back often. If the candidate is hired and remains on our payroll for a minimum of 160 days. from the date of hire, the referring employee shall be paid a sum of $500.00 as a referral bonus. There is no limit on the number of referrals an employee can make, nor is there a limit on the amount of number of referral bonuses that can be collected, so long as the criteria laid out by the employee referral policy are met. 4)sbi Private insurer SBI Life Insurance today launched 'Smart Power Insurance' plan, which is designed to care for investor's twin needs of insurance and investment. "Smart Power Insurance plan is a simple, low premium product that takes care of the changing needs of the policy holder as his income increases while giving him flexibility of periodic increase in sum assured and partial withdrawal," SBI Life Managing Director and CEO Atanu Sen said in a release issued here. This plan, which will be available to customers from October 7, comes with two options - level cover option and increasing cover option. Smart Power has two fund options - Trigger Fund option with the advantage of buying low and selling high and Smart Funds option that has the option to choose from seven funds. The buyer will have the flexibility to switch between these options twice during the policy term. It also offers an advantage of adding an inbuilt 'Accelerated Total and Permanent Disability' (TPD) benefit, advancing the policy benefit in case of TPD due to accident or sickness. The policy term options are 10, 15 or 30 years and the minimum premium payable works out to Rs 2,000 monthly, Rs 5,500 quarterly, Rs 9,500 half yearly and Rs 15,000 annually.

The product is open for the age group of 18 to 45 years with the maximum age of maturity being 65 years. SBI Life Insurance has a varied range of products, including protection plans, insurance cum creation plans, insurance cum savings plans, child plans and pension plans. SBI Life Insurance is a joint venture between State Bank of India and BNP Paribas Cardif, the insurance arm of BNP Paribas.