A unique social security scheme for the organized workers.pdf
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7/27/2019 A unique social security scheme for the organized workers.pdf
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TheMonthly Magazine June 2012 f.50/-
. t T ~ tP ~ t tU ~ T It\tS
I e v e 0 m e nI t i s e s t i m a t e d t h a t t h e r e w i l l b e
a d e m a n d f o r 5 0 0 m i l l i o n s k i l l e d
w orke rs by 2022 w he reas t he supp ly
w ill on ly be 122 "II"on Entrepreneurship
M G NR EG S
Democracy does not imply
only elections
Sustai nable development
Social security
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S O C I A L S E C U R I T Y
State
Presently, Employees' State
insurance Scheme of Government of
In dia is a u niq ue sche me wh ich
provides medical care in the form of
primary, secondary and tertiary
ser vice s with no ca p t o wo rk ers
e ng ag ed in fa cto rie s a nd o th er
establishments with a single
contribution of 1. 75 % employees'
contribution and 4.75% employer's
contribution. The facilities are avail
able in 700 corporate hospitals in
various States, besides 149 hospitals
and dispensaries run by ESI scheme
across the country.
The uniqueness of the scheme is that
it provides life insurance along with
health insurance in the form of cash
benefits for sickness for 91 days and
for specified long-term disease up to
720 days. The maternity benefit
under the scheme is o ne of the
highest in the country payable for 84
days and another 4 weeks in certain
agencies. It also provides disablement
benefit in case of loss of earning
capacity due to accident and
importantly Dependants Benefit on
death of i nsured worker to the
spouse till she is alive and to other
dependant family members with
some con ditio ns. A few h is tor ic
decisions taken in the recent times
have really empowered the workers
covered under ESIAct like payment of
In the recent concluded Indian Labour
Conference, it was universally agreed
by all stakeholders of the working
population of the country-Trade
Unions ,Employers, State
Governments and the Central
Government-that there is a need for
minimum socia l sec ur ity fo r t he
unorganized workers which
constitute 94% of the working
population and to strengthen existing
social security regulations i.e. ESI
scheme and Epmloyees' Provident
Fund Organization (EPFO) for the
organized workers.
The key issue is to have a model that
wil l reach out to the unorganized
workers working mainly as contract or
casual basis in various industries and
establishments and importantly to
the increasing groups like Asha and
Anganwadi workers and other
similarly placed women workers in
the country. we do expect to have a
cost effective model which can be an
efficient delivery mechanism and easy
monitoring system to achieve
objective of "Social Security for all by
2020."
At present, Rashtriya Swasthya
Beema Yojna catering to mainly BPL
workers with limited access to health
care and total lack of cash
compensation during illness, accident
a nd de at h. A m od el s imila r to ESI
Scheme could be
Medical care in the
form of primary,
secondary
and tertiary services
are availablein 700
corporate hospitals
in various
States,
besides
149 number of
hospitals and
dispensaries
run by
ESIScheme
across
the country
A Unique Social security scheme
for the organised workersIt provides life insurance along with health insurance in the form
of cash benefits for sickness adopted by the Central andGovernments.
B. K. Sahu
Insurance Commissioner, ESIC
e n T R tP R e n E U R l1 / ' \ ts J U n f 2 0 1 2
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E S I S c h e m e s o c i a l s e c u r i t y f o r w o r k m e n
An y ti me An y Wher e
. . . .
-
l(Nni
II ,s.e.197'
P e r m~ = ~ : : M " ; .o-., ,1X lQ lI
The employers' share of contribution is paid
by government for 3 years for providing
employment to persons with disabilities
drawing monthly wages up to Rs. 25,000
730 days (up to 2years for
specified 34 diseases)
Primary, secondary and tertiary with no cap.
91 days - 70% of the average daily wages in a year.
Based on loss of earning capacity as long as
disability lasts. About 90% of the average daily
wages.
50% of wages up to 12months of unemployment
on account of closure, retrenchment and
permanent invalidity of not less than 40% arising
out of non- employment injury.
On death of IP/IW to the wife till she is alive/
remarriage and to other family members as
per conditions w. r. 1 . age/marriage. About
90% of the average daily wages.
84 days + 4 weeks (due to complications arising
out of pregnancy, confinement, premature birth
of child etc.) almost 100% of the average daily
wages.
Incentive Scheme for
persons with
disabilities
Medical Care
Maternity Benefit
Sickness Benefit
Extended
Sickness Benefit
Dependants Benefit
Permanent Disablement
Benefit / Temporary
Disablement Benefit
Rajiv Gandhi Shramik
Kalyan Yojna
(Unemployment
Allowance)
S O C I A L S E C U R I T Y
providing both health and cash
benefits like ESIscheme we may have
to evolve a model on similar line for
providing minimum health care and
limited cash compensation in the
contingencies of sickness,
disablement and death. The think tank
of providers of social security services
including Planning commission should
come forward so that their dream of
social security for all by 2020 is
realized .
cash benefits through ECS so that
there is no interface with providers of
services thereby eliminating the scope
for harassment and ensuring delivery
of cash benefit at their door steps.
Some other unique decisions which
can be called as good practices are no
requirement of claim for Disablement
and Dependants Benefit and
submission of live certificate once in a
year and importantly revising benefit
rates with cost of living index. While
there is a demand for increasing
minimum pension which is as low as Rs
.250/ - in EPFO,ESIhas taken a decision
fixing minimum dependants benefit
(family pension) to Rs.1200 per monthw.eJ 1.3.2012. Recently, initiatives
taken by ESI Corporation for coverage
of Cine Workers engaged in Film and
TV production is worth mentioning
here.
With adoption of Information
Technology starting from registration
of workers, delivery of services to the
issue of smart card for Any time Any
Where is a significant step which will
ensure that technology driven services
will not only improve efficiency but
ensur e hassle- free services to
beneficiaries of the scheme.
As on today ESI Scheme covers 1.55
million workers with 40 million family
members and one significant aspect of
the scheme is that it covers all types of
workers including casual/contract
workers working in factories and other
establishments covered under ESI Act
and popularly it istold that
"Pay a h an df ul o f c on tr i bu ti on b ut
take abagful of benefits."
While organized workers are having a
self-contained benefits scheme
Views expressed are personal
E n T D tD D t n tu R 1 1 /'1 5 J U n E 2 0 1 2