 Well, my dear students, the course is Labour Policy Pakistan and the topic is in Validity Pension or your relevant section was section 23 of the Employees' Old Age Benefits Act 1976. Dear students, section 23 deals with in-validity pension and ensured person who sustains in-validity pension shall be entitled to an in-validity pension at the rate to be calculated according to the formula set out in the schedule provided that a contribution in respect of him were paid for not less than 15 years or contribution in respect of him were paid for not less than 5 years since his entry into insurable employment and for not less than 3 years during the period of 5 years preceding the month in which he sustains in-validity. And my dear students, in either case he is under 60 years of age or 55 years in the case of woman, provided that, here is the Proviso, you know about the Proviso, now addition, condition or exception can be attached to it, let us see what Proviso says, we have read in-validity pension, provided that where the employee was insured under the provision of this act on or before 30th June 2002 and the contribution payable under the act by the employer prior to 30th June 2002 in respect of said insured person had not been paid, the insured person, my dear students shall enjoy the rights under this act as if for the word payable, the word paid were not substituted in class A and B. Provided further that where the contribution under section 9B is paid regularly by the insured person himself in accordance with prescribed procedure, his entitlement to the benefit shall not be affected by default in payment of employer's share of contribution under section 9. Subject to regulations, the invalidity pension shall be payable from the month following that in which the insured person satisfies the conditions for entitlement there too. Provided that the invalidity pension shall not be paid retroactively for more than six months preceding the month in which as application for the invalidity pension is submitted, my dear students. Subsection 3, the invalidity pension shall be payable so long as invalidity continues, provided that an insured person who has been in receipt of the invalidity pension for not lost less than the five continuous years or attains the age specified in clause A of subsection 1 of section 22 shall be entitled to the invalidity pension for life. Hope you have understood the providence of this very act. Thank you very much indeed.