India Post collects Rs 800 cr from COD facility

Emerging as a leading distribution channel for the e-commerce sector, India Post collected over Rs 800 crore through cash-on-delivery (CoD) facility and is looking to further strengthen its position in the segment by starting a pilot service for same-day delivery. 

The postal department has also earned around Rs 70-80 crore through speed post in the year 2014-15 from e-commerce business. 

Since the introduction of CoD facility, the Department of Post has collected more than Rs 800 crore and remitted to customers," an official said.

 

In order to generate more business, the postal department is reviewing its service features to attract more number of e-commerce customers, the official further said. 

"As part of this exercise, the Department of Posts has started pilot for same/next day delivery in identified cities for identified PIN codes. A national account facility has also been introduced under Speed Post," he added. 

The CoD facility was launched in December 2013 to cater to the needs of customers and benefits from the growing e-commerce market. 

The CoD has emerged as one of the most sought after services for e-commerce entities. Customers in the country tend to prefer CoD as the online payment modes are yet to catch up in many parts of the country while many people are not comfortable with advance payments for products purchased online.

The initiatives taken by the department for parcel segment have resulted in revenue of Rs 105.51 crore in 2014-15. 

With dwindling letter or document traffic, the department is focusing on the fast-growing parcel segment and various measures have been taken to modernise the department under the Digital India initiative.

As part of initiatives to leverage the e-commerce sector, the department has forged tie-ups with leading online market places like Snapdeal, Amazon, Paytm and Yepme for parcel delivery and has also set up modernised 48 centres to handle the packages. 

The e-commerce sector in India is growing at 47 per cent CAGR and India Post is the only delivery agency with a pan-India reach, the official said. 

Communications and IT Minister Ravi Shankar Prasad had earlier said that India Post with the world's largest postal network was best suited to offer delivery services to e-commerce firms. 

The Minister had suggested that India Post should strive to become the largest player in the e-commerce segment. 

The Postal Department has 1,54,882 post offices, of which 1,39,182 are in rural areas. The department employs around 4,60,000 personnel and handles close to six billion mail pieces in a year.

Source:Business-standard.com

BULLZIP PDF PRINTER 10.9.0.2300 - VIRTUAL PRINTER

BullZip PDF Printer is a virtual printer driver that enables you to convert any printable document or image to PDF format. The Bullzip PDF Printer works by creating a virtual printer in the operating systems that prints to PDF files instead of paper. This practically allows any application to create PDF files from the print menu. Once installed, BullZip PDF Printer appears as a printer option in your printing properties. If you want to use BullZip PDF Printer as your default printer right-click on it and select it as your default printer. This program is FREEWARE.

Click Here to Download from Google Drive

Click Here to download the BullZip PDF printer from Official Site. 

Note: This virtual printer is useful for setting up virtual Mc-Camish printer, to save document and print later.

Thanks to ATPPost

Source: SA Post

Employment News : 31th October to 6 November 2015

NAVAL DOCKYARD, VISHAKHAPATNAM.  Name of Post – Tradesman (skilled)  No. of Vacancies – 161 Last Date –Within 30 days from publication of advertisement. INDIAN AIR FORCE Name of Posts –Group C. No. of Vacancies -39 Last Date – Within 30 days from publication of advertisement. NUCLEAR POWER CORPORATION OF INDIA LTD., RAWATBHATA Name of Posts – Assistant Grade 1, Nurse, Pharmacist/B etc. No. of Vacancies – 35 Date- 20.11.2015 RAIL LAND DEVELOPMENT AUTHORITY, NEW DELHI. Name of Posts – Joint General Manager (Civil, Real Esastate, Finance & Accounts), Secretary etc.  No. of Vacancies –16 Last Date – – Within 30 days from publication of advertisement SECURITY PRINTING AND MINTING COPRPORATION OF INDIA LTD. Name of Post –Additional General Manager (F&D), Chief Manager (R&D), Manager (Tech), Manager (Materials, Marketing). No. of Vacancies -8 Last Date: – Within 30 days from publication of advertisement.

Source : http://employmentnews.gov.in/

Designated Post offices to issue Sovereign Gold Bond 2015-16

In continuation of the Press Communiqué dated 30th October, 2015 on Sovereign Gold Bond 2015-16, the Government of India, in consultation with Department of Post, has decided to issue the list of designated Post Offices to issue Sovereign Gold Bond Scheme, 2015. The designated Post Offices are authorized to receive the applications either directly or through agents.

The other terms and conditions will remain same as in the press communiqué dated 30th October, 2015.

Source:http://7thpaycommissionnews.in/designated-post-offices-to-issue-sovereign-gold-bond-2015-16/

SPECIAL RECRUITMENT DRIVE FOR PERSONS WITH DISABILITIES

SPECIAL RECRUITMENT DRIVE FOR PERSONS WITH DISABILITIES

Advertisement issued by National Institute of Technology, Warangal in regard to Special Recruitment Drive for filling up of vacancies for Persons with Disabilities – reg.

NATIONAL INSTITUTE OF TECHNOLOGY

WARANGAL – 506 004 (T.S) INDIA

Advt. No. Admn. 02/2015

SPECIAL RECRUITMENT DRIVE FOR PERSONS WITH DISABILITIES

Special Recruitment Drive for filling up of vacancies for Persons with Disabilities (PwDs)



Applications are invited from Indian Nationals for the post of Assistant Professor (on Contract), Scientific / Technical, Officer, Laboratory Assistant / Work Assistant, Junior Assistant and Attendant.

Prescribed application form, Summary Sheet, Qualifications, Eligibility Criteria and Pay structure can be downloaded from the Institute website www.nitw.ac.in

The filled-in application form along with Summary Sheet, necessary enclosures should reach The Registrar, National Institute of Technology, Warangal – 506 004, on or before 06-11-2015.

Click here to detailed pdf

Clarification of deferred withdrawal of lump sum in New Pension Scheme: PFRDA

Clarification of deferred withdrawal of lump sum in New Pension Scheme: PFRDA Circular

PENSION FUND REGULATORY

AND DEVELOPMENT AUTHORITY

1st Floor, ICADR Building, Plot No. 6

Vasant Kunj Institutional Area,

Phase - II, New Delhi - 110070

CIRCULAR

PFRDA/2015/24/EXITS/1

October 29, 2015

To,
NPS Trust, All POP’s, Aggregators, CRA,CentraI, State Governments and All Subscribers

Dear Sir/Madam,

Sub: Clarification of Deferred withdrawal of lump sum

PFRDA (Exits and Withdrawals from Nation Pension System) Regulations 2015 provides option to subscriber to defer withdrawal of lump sum (60%) up to the age of 70 years.

Under the Deferred withdrawal facility, the subscribers at the time Of exit from National Pension System (NPS) can exercise an option to defer the withdrawal of eligible lump sum withdrawal and stay invested in the NPS. Subscriber has an option to withdraw the deferred lump sum amount in maximum ten annual installments up to the age of 70 years or withdraw the entire amount at once by giving 15 days advance notice during such a period of deferment. 

If no such notice is given, the accumulated pension wealth would be automatically monetized and credited to his bank account upon attaining the age of 70 years.

This is for the information of all concerned. The circular also is being placed on PFRDA website at http://www.pfrda.org.in, NPS Trust website www.npstrust.org.in and CRA website at http://www.npscra.nsdl.co.in.

Yours faithfully,

Subroto Das

Chief General Manager

Source: http://pfrda.org.in/WriteReadData/Links/Circular%20-%20Clarification%20of%20Deferred%20Withdrawal%20of%20lump%20sum7704d3cd-e78c-4b64-9355-ea676fe712b0.pdf

Read more: http://www.staffnews.in/2015/11/clarification-of-deferred-withdrawal-of.html#ixzz3qUvLadTw
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Recovery of NPS subscription fee/charge: NC, Staff Side JCM writes to DoPT

Recovery of NPS subscription fee/charge: NC, Staff Side JCM writes to DoPT

Shiva Gopal Mishra
Secretary

National Council(Staff Side)

Joint Consultative Machinery

for Central Government Employees

13-C, Ferozshah Road, New Delhi - 110001

E Mail : nc.jcm.np@gmail.com

No.NC/JCM/2015

Dated: October 31, 2015

Shri Sanjay Kothari,
Secretary,
Ministry of Personnel, Public Grievances & Pensions,
Department of Pension & Pensioners' Welfare
(Government of India),
North Block,
New Delhi-110001

Dear Sir,

Sub: Recovery of NPS subscription fee/charge

Ref.: Dy. General Manager, NPS Trust, New Delhi’s notice dated 19.10.2015

It has come to our notice that, @ 0.01% of the AUM on daily accrual basis is proposed to be imposed on the NPS Subscribers. 

In this connection, it is worth-mentioning that, in the past, it was assured to the Central Government Employees that, no Administrative Charge/Fee would be imposed on any of the Government employees. 

Orders to this effect, if so issued, should immediately be withdrawn.

Comradely yours,

sd/-

(Shiva Gopal Mishra)
Secretary(Staff Side)
NC/JCM
&
Convener

Ms. Archana Varma, Jt. Secretary(AT&A), Department of Personnel & Training, Room No. 279-A, North Block, New Delhi-110001 - for necessary action please.

Smt. Annie G. Mathew, Jt. Secretary(Pers.), Deptt. of Exp.(Ministry of Finance), Room No.279-A, North Block, New Delhi-110001 - for necessary action please.

Shri G. Srinivasan, Director(JCA), Department of Personnel & Training, Ministry of Personnel, Public Grievances & Pensions(Government of India), North Block, New Delhi-110001 - for necessary action please.

Copy to: All Constituents of NC/JCM(Staff Side) - for information.

Source: NC JCM

Read more: http://www.staffnews.in/2015/11/recovery-of-nps-subscription-feecharge.html#ixzz3qUubIBNb
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Removal of Grade Pay System in 7th Pay Commission – A detailed report

Will the removal of Grade Pay System by the 7th Pay Commission help Central Government employees? – This is the topic of this article.

“Unconfirmed reports say that the 7th Pay Commission is very likely to recommend the abolishing of the Grade Pay System introduced by the 6th Pay Commission.”

Not only the Government, but the Central Government employees too are hoping and wishing that the 7th Pay Commission functions independently, free from interventions. The report of the previous Pay Commissions will guide for determining the revision of pay scale and pay bands, allowances, retirement benefits and other facilities/benefits of more than 50 lakh employees. The Pay Commission also considers the recommendations, suggestions and inputs gathered from employees all over the country and presented as memorandums by federations like the NC JCM and the Confederation.

There is no rule that the new Pay Commission has to follow the same methodology and determination followed by the previous Pay Commissions. Therefore, one cannot state for sure that the 7th Pay Commission will tow the guidelines issued by the 6th or the 5th Pay Commission while deciding the new pay scale and pay bands.

One has to keep in mind the fact that the 6th Pay Commission was radically different from the recommendations and guidelines issued by the 5th Pay Commission. One has to also remember that a number of industry experts, who predicted the recommendations of the 6th Pay Commission based on the trends of the previous Pay Commission, were proved completely wrong.

If one Pay Commission has the right to recommend the splitting of the Pay Scale into two, the next Pay Commission has all the powers to completely abolish the system. But, this is not the issue!

Will the Central Government employees benefit by the removal of the Grade Pay system? This is the question now.

It will definitely be beneficial. Here are the reasons why.

It is unacceptable that a promotion, which comes after waiting for many years, brings with it an increment of just Rs.100.

None has until now accepted the splitting of the promotional hierarchy, which had been followed for years, into two.

The anomalies that prevailed due to the ‘Grade Pay Hierarchy’ which was introduced under the MACP promotional system, still remain unresolved.

When the discussions and debates on MACP system continued to grow unabated during the NC JCM Anomaly Committee meeting, it was decided that a separate meeting ought to be held to analyze this issue.

Most of the individual requests from the Central Government employees this time are about the MACP promotional system. The reason is the Grade Pay structure introduced by the 6th Pay Commission.

And also can list out many reasons to abolish the Grade Pay System

Source:http://90paisa.org/removal-of-grade-pay-system-in-7th-pay-commission-a-detailed-report/

Expected da from january 2016-Aicpin for the month of September 2015

No. 5/1/2015- CPI

GOVERNMENT OF INDIA

MINISTRY OF LABOUR & EMPLOYMENT

LABOUR BUREAU

CLEREMONV, SHIMLA-171004

DATED : 30th October, 2015

Press Release

Consumer Price Index for Industrial Workers (CPI-IW) – September, 2015

The All-India CPI-IW for September, 2015 increased by 2 points and pegged at 266 (two hundred and sixty six). On 1-month percentage change, it increased by (+) 0.76 per cent between August and September, 2015 which was static between the same two months a year ago.

The maximum upward pressure to the change in current index came from Food group contributing (+) 1.78 percentage points to the total change. At item level, Arhar Dal, Masur Dal, Moong Dal, Urd Dal, Mustard Oil, Onion, Cauliflower, Green Coriander Leaves, Potato, Tea (Readymade), Sugar, Electricity Charges, Private Tuition Fee, Flower/Flower Garlands, etc. are responsible for the increase in index. However, this increase was restricted by Wheat, Fish Fresh, Poultry (Chicken), Eggs (Hen), Apple, Coconut, Tomato, Petrol, Washing Soap, etc., putting downward pressure on the index.

The year-on-year inflation measured by monthly CPI-IW stood at 5.14 per cent for September, 2015 as compared to 4.35 per cent for the previous month and 6.30 per cent during the corresponding month of the previous year. Similarly, the Food inflation stood at 5.71 per cent against 3.55 per cent of the previous month and 6.46 per cent during the corresponding month of the previous year.

At centre level, Chhindwara reported the highest increase of 10 points followed by Varanasi (9 points), Pune, Tripura, Jalpaiguri and Bhilwara (6 points each). Among others, 5 points rise was observed in 5 centres, 4 points in 7 centres, 3 points in 8 centres, 2 points in 16 centres and 1.point in 19 centres. On the contrary, Goa recorded a maximum decrease of 4 points followed by Ernakulam 3 points. Among others, 2 points decrease was observed in 4 centres and 1 point in 2 centres. Rest of the 9 centres’ indices remained stationary.

The indices of 36 centres are above All India Index and other 42 centres’ indices are below national average.

The next issue of CPI-IW for the month of October, 2015 will be released on Monday, 30th November, 2015. The same will also be available on the office website www. labourbureau.gov. in.

(S. S. NEGI)

DEPUTY DIRECTOR GENERAL

Source:   http://labourbureau.nic.in/Press_Note_CPI_IW_Sep_2015_EH.pdf

Aadhaar number made compulsory in all government service records

The Central Government had issued the following orders from time to time regarding aading the Aadhaar number in Service Reocords of Central Government Employees.

The Honourable Supreme Court of India had already clarified that Aadhaar numbers cannot be made compulsory for Indian citizens. But the Centre had argued that Aadhaar numbers are necessary for its welfare schemes. The case is pending in the Supreme Court.

Meanwhile, without declaring that Aadhaar numbers are compulsory for all, the central government has made it compulsory for enjoying the various benefit schemes that are being offered. This has led to a debate if the centre is indirectly twisting the arms of the citizens to obtain the Aadhaar number.

In the meantime, an order was issued by the finance minister of the Delhi state government on Tuesday. It said that in order to speed up the pension distribution and salary due payments, certain new clauses have been added to Form 5. Since the order issued in this regard by the Ministry of Labour Welfare and Training is applicable to the employees of all the state and union territory governments, the employees of Delhi state government too are bound by it. Until now, the pensions for the employees of Delhi state government were given at the Accounts Auditor’s office of the Ministry of Finance. It has now been made compulsory for all the Delhi state government employees to submit their Aadhaar numbers. Hence, orders have been issued to all the employees to add their Aadhaar numbers to their Service Records.

The Department of Exchequer of the Ministry of Finance had issued an order on June 2, in which, just stopping short of saying that Aadhaar card is compulsory for all, it laid emphasis on possessing the Aadhaar number. That is, as part of the Digital India plan, and for the issuing of digital life certificate to government employees, the government is forced to take certain steps. In order to facilitate these, employees have to now submit their PAN Cards, Aadhaar numbers, email ID and cellphone numbers in their pension book records. A number of accounts department in various offices do not bother to confirm if the employees possess Aadhaar cards. The order says that the offices must insist that the employees present their Aadnaar number when they begin to draw their pensions.

Source: www.cgstaffnews.in

Alternate Train Accommodation Scheme (ATAS) called “VIKALP” Introduced on Pilot Basis

A Major Passenger Friendly move to Provide Confirmed Accommodation to Waitlisted Passengers in Alternate Trains

Facility to be Available Initially for E-Ticket (Internet Booking) Only

The Scheme to be Available Initially on Mail/ Express Trains of Two Sectors Namely Delhi –Lucknow and Delhi –Jammu  

Later, The Scheme to be Extended to PRS Counter Bookings as well as on Other Journey Sectors 

·         With a view to provide confirmed accommodation to waitlisted passengers and also to ensure optimal utilisation of available accommodation, a scheme Alternate Train Accommodation Scheme(ATAS) called “VIKALP” has been conceptualised and is to be introduced from tomorrow i.e. 1.11.2015.  Initially this scheme will be available only for the tickets booked through internet (E-ticket) as a pilot project for six months. More over initially this scheme would be provided on Mail/ Express Trains running on two sectors only namely Delhi-Lucknow and Delhi-Jammu sectors of Northern Railway. In this scheme, wait listed passengers of a train will be given option for getting confirmed accommodation in alternate trains. Based on the feedback, this scheme will be extended to PRS counter bookings and also on other journey sectors. This is a major passenger friendly move to provide confirmed accommodation to waitlisted passengers in alternate trains.

Salient Features of the scheme


·         The Alternate Train Accommodation Scheme (ATAS) is presently being launched under the name “Vikalp” on pilot basis only for the tickets booked through internet (E-ticket) on two sectors i.e. Delhi-Jammu and Delhi-Lucknow sectors. Based on the feedback it will be extended on PRS as well as  on other sectors.
·         The scheme is presently being implemented only across Mail/Express trains of same category.
·         No extra charges shall be taken from passenger or any refund shall be provided for difference of fare.
·         The scheme is applicable to all waiting list passengers irrespective of booking quota and concession. In pilot phase the scheme will be available on few pre-designated trains in the above sectors only.
·         Under this scheme, waiting list passengers will give choice to opt for ATAS scheme.
·         ATAS opted passengers who remain fully waitlisted after charting will only be considered for allotment in the alternate train.
·         Fully WL passengers opted for ATAS should check PNR status after charting.
·         Either all passengers of a PNR or none will be transferred to alternate train in same class.  The passenger can be considered for shifting to a train leaving from any station amongst the cluster of stations defined by Railways based on the convenience of the passengers to a station serving the destination station on the same analogy.
·         The ATAS opted passengers who have been provided accommodation in the alternate train will not figure in the waitlisted charts of their original train. A separate list of passengers transferred in alternate train will be pasted along with the CONFIRMED and WAITLIST charts.
·         The passenger allotted alternate accommodation can travel in the alternate train on authority of original ticket.
·         Waitlisted passengers of original train shall not be allowed to board the original train if allotted alternate accommodation. If found travelling, they will be treated as travelling without ticket and charged accordingly.
·         Passengers once provided alternate accommodation in alternate train will be treated as normal passengers in alternate train and will be eligible for upgradation.
·         In rare situations, passengers who have been provided alternate accommodation might get dropped/re-allotted in alternate train due to last minute change in composition of the alternate train at the time of chart preparation. So, passengers who have been provided alternate accommodation should check PNR status also after preparation of charts of the alternate train for final status.  
·         This information will be available on Call Centre (139), PRS Enquiry Counters, Passenger Operated Enquiry Terminals installed at stations and WEB ENQUIRY on www.indianrail.gov.in.
·         Passenger will also get SMS alert on their Registered mobile phone number about getting confirmed alternate accommodation.
·         When an ATAS opted passenger opts to cancel, after he/she has been given an alternate accommodation, he/she will be treated as a CONFIRMED passenger and the cancellation rules will apply accordingly.
·         No refund for difference of fare between the original train and the alternate train, including Tatkal charges, if any, will be given to re-allocated passengers.
·         Once an ATAS passenger has been allotted alternate accommodation, journey modification will not be permitted. If required, the passenger will have to cancel the ticket and book a fresh ticket for modified journey.
·         When a passenger who has been allotted alternate accommodation has not performed his journey in the alternate train, he can claim for refunds by filing a TDR request.  

IMPORTANT PASSENGER INFORMATION

1.      Opting for VIKALP does not mean that confirmed berth will be provided to passengers in alternate train. It is subject to train and berth availability.
2.      Once confirmed in Alternate train, Cancellation charges will be as per your berth/train status in alternate train.
3.      In this scheme, your boarding and terminating station might change to nearby cluster stations.
4.      You can be transferred to any alternate train available within 12 hrs from the scheduled departure of original train, in which you have booked
5.      Please check PNR status after charting.

Source:http://www.pib.nic.in/newsite/erelease.aspx?relid=0

7th CPC – Modifications in LTC – Expectations..

Everyone knows that Central Government Employees are entitled to avail Leave Travel Concession (LTC) once in two years to visit home town and once in four years to visit any places in India. The employees are reimbursed full expenses for transport from the work station to the place to be visited and back.

Before the sixth CPC was implemented, availing of LTC by the employees was less in number all over India. In order to encourage employees to avail LTC, the Central Government made some impressive modifications in the rules, which saw a huge increase in the percentage of employees going for it. The employees were allowed to travel by air to Jammu & Kashmir and North Eastern States and it continued till June 2015. The modification in the rules that was brought in was the travelling expenses were given in packages depending upon employee’s designation. These visits by the employees saw a huge growth in tourism in these states. It turned out to be a great opportunity for the employees to travel to these places, to know different people, their culture and so on. But for unknown reason, the central government did not extend the orders beyond June 2015.

Home Town LTC:

Is it possible to make changes in the Permanent Address of a Central Government Employee?   

Those Central Government Employees having their Hometown on the outskirts of their work places, are automatically ineligible for availing LTC Hometown. But they are eligible for the LTC for visiting any other places in India. For the benefit of those employees, in exceptional cases,  the CCS Rules (LTC) – Change of Hometown –  allows an employee to change the Permanent Address only once in their whole service. The employee can apply for this, through their respective head of sections with detailed documents. A male employee can choose the  native place of his wife or vice versa or any other closed relation’s address. Care should be taken while applying for the changes, as the rule allows only once in their whole service. After the changes in the permanent address, the employee can apply for the LTC showing the new address.

Expecting new changes in 7th CPC  for availing LTC…

Central Government Employees should be allowed to avail LTC Home Town once in a year and All India LTC  once in three years which can bring huge changes in the department of tourism in India. It can motivate the employees to travel, visit different places, to know different people and their working conditions etc. Air travelling should be allowed to all other places in India and can be extended to other neighbouring countries also.

Let us wait and see for the recommendations…!

Source:http://www.govtstaffnewsportal.in/2015/10/28/7th-cpc-modifications-in-ltc-expectations/

7th Pay Commission likely to recommend work-from-home options for physically handicapped, women employees

“The 7th Pay Commission is finding out if there are possibilities for differently-abled and women employees of the Central Government to work from home.”

According to sources, the 7th Pay Commission has sought for the opinion of the Department of Information and Technology regarding this option. The 7th Pay Commission has asked to study the possibilities of differently-abled and women workers to perform simple and specialized tasks from home and stay connected via the internet and other telecommunication tools.

The 7th Pay Commission has asked the Department of Information and Technology to identify such jobs for the less than 10,000 differently-abled workers who are currently employed by the Central Government.

Sources also say that Flexi-time Working Hours options are being considered for the more than 3.5 lakh women who are employed by the Central Government.

Since it is impossible for both these segments of workers to work during night shifts, the 7th Pay Commission is looking for options to employ them in specialized monetary and supervisory works which could be performed from home. It is being said that the step will be of tremendous relief for employees who have to travel long distance to reach their offices, and for the employees who work in congested offices.

It can be inferred that the 7th Pay Commission is particular about giving priority to women and differently-abled workers. Sources say that the 7th Pay Commission believes that greater productivity could be expected from them.

It is a well-known fact that telecommuting and work-from-hope options have become very popular in the private sectors and highly specialized tasks are sometimes performed this way. The 7th Pay Commission wants to bring in this work culture to the Central Government jobs too.

Meanwhile, news and updates about the 7th Pay Commission continue to flow into the news media. The Commission is very likely to submit its report to the Government by the end of December. Sources say that the final stage of preparing the report is now on.

Speculations about 35 percent salary hike, increasing the minimum pay to Rs.21,000, 4 MACP promotions, modernizing the CGHS medical facilities, and most importantly, about the retirement age, continue to surface. Readers are requested to not believe in any of them because all of them are mere figments of the writers’ imagination.

Source: http://www.cgstaffnews.in/seventh-pay-commission-likely-to-recommend-work-from-home-options-for-physically-handicapped-women-employees/