Five days after Parikh's death the government published a pension scheme for LIC staff with effect from November 1, 1993. The cut off date was January 1, 1986. Thus, those employees who were in service of LIC on and after January 1, 1986, and had retired and died subsequently, were also covered under the scheme Lattaben claimed since her husband was alive on November 1, 1993, the benefits were due to her.