Understanding Pension Form 10D: How Does the 90% Quantum and Capital Return Work?

Can someone please explain point 10, alternative 1 regarding the 90% quantum of pension and return of capital? My father is 65 and retired. Thanks for your help.

Commutation of Pension and Return of Capital under EPS 1995

After the introduction of the EPS in 1995, the commutation of pension and return of capital were implemented for a few years. If this option was chosen, a pensioner would receive 90% of their eligible pension, and upon their death, their widow would be paid a lump sum amount. The widow would also receive a further reduced pension during her lifetime. For more details on the scheme, you can refer to the EPFO website.

Regards,
M. Venkatraghavan