Under the National Social Assistance Programme, pensions are given to persons with disabilities, widows and for those above the age of 60. But to get these pensions, a multitude of documents, including Aadhaar card, age certificate, income certificate or disability certificate or husband’s death certificate are required. “How is an old homeless woman going to get an Aadhaar card or PAN card or an income certificate?” asked Giri.
These pension amounts are also meagre and often delayed. As per the scheme, the central government provides a pension of Rs 200 per month–an amount that has not changed in the last 16 years. Despite the NSAP guideline stating that central and state governments have to contribute equally to the pension, many state governments like Goa and Delhi have to contribute as much as 90%, said a 2018 report by Helpage.
And this pension is not universal. Only 31% of the older adults in India are categorised as beneficiaries under this scheme. “There needs to be a universal pension which should automatically entitle an older person to get pension,” said Shankardass. ”And the bigger issue is that the amount is so meagre.”
While addressing the specific needs for a disabled person, the NASP also includes pensions for persons with disabilities. But this pension automatically converts into the old-age pension when a person turns 60, discounting the increased financial needs of older persons with disabilities, said Amba Salelkar, a lawyer with International Disability Alliance, a global umbrella organisation focused on rights for individuals with disabilities.
“As an older person [with disabilities] you will have additional costs,” said Salelkar, “Since you are old, you are probably not working so there is a loss of income. Plus you have the expenses of regular medical attention. The policy does not consider this.”
Older persons, especially those with disabilities, also have to face barriers in accessing other social security benefits. In many parts of the country, biometric data like fingerprints are used to verify beneficiaries under the public distribution system. But in the case of many older persons, the fingerprints tend to fade, said Smitha Sadasivan, a member of the Disability Rights Alliance.
KM Kanthi is a retired professor and lives with her daughter who has cerebral palsy. She has visual impairment and with age she is finding it increasingly difficult to cope with her responsibilities. “I don’t think we can carry on like this for a long time,” she said.
Healthy ageing has three factors–money, social support and health, said KV Kishore Kumar, the director of Banyan. “Many elderly persons are vulnerable because they do not have any savings, they depend on old age pensions or they may depend on their child contributing a minimum sum. Often these are not adequate for their life.”
A robust policy that addresses health access, nutrition, education and inequities is essential for addressing the issue of elder abuse, said Gopikumar. “People can have a healthy family life but reducing dependency is important,” she said.