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Employees State Insurance Act

PROCEDURES AND PURPOSE EMPLOYEES STATE INSURANCE ACT
Benefits

Free medical treatment is offered to covered employees at hospital and dispensaries run by the ESI corporation.]
About 7/12th of employees normal wage will be payable to him by ESI during sickness.
Maternity benefit for 12 weeks of which not more than 6 weeks should be preceding confinement.
Injury during/in course of employment resulting in temporary/permanent disablement entititles the covered employee to a regular payment to substitute his total wages.
Death during course of employment entititles specified dependants to a regular payment.
One time payment of Rs.2500 to help meet funeral expenses
Other benefits

Sickness Benefit
Sickness Benefit represents periodical cash payments made to an IP during the period of certified sickness occurring in a benefit period when IP requires medical treatment and attendance with abstention from work on medical grounds. Sickness benefit is roughly 50% of the average daily wages and is payable for 91 days during 2 consecutive benefit periods. Qualifying Conditions
(i)To become eligible to Sickness Benefit, an IP should have paid contribution for not less than 78 days during the corresponding contribution period.
(ii)A person who has entered into insurable employment for the first time has to wait for nearly 9 months before becoming eligible to sickness benefit, because his corresponding benefit period starts only after that interval. Employees State Insurance Act Funeral Expenses Funeral expenses not exceeding Rs. 2500/- is payable towards expenditure on the funeral of a deceased IP and persons in receipt of periodical payments of PDB.

Maternity Benefit is payable to an Insured Woman in the following cases subject to contributory conditions:-
Confinement-payable for a period of 12 weeks (84 days) on production of Form 21 and 23.
Miscarriage or Medical Termination of Pregnancy (MTP)-payable for 6 weeks (42 days) from the date following miscarriage-on the basis of Form 20 and 23.
Sickness arising out of Pregnancy, Confinement, Premature birth-payable for a period not exceeding one month-on the basis of Forms 8, 10 and 9.
In the event of the death of the Insured Woman during confinement leaving behind a child, Maternity Benefit is payable to her nominee on production of Form 24 (B).
Maternity benefit rate is double the Standard Benefit Rate, or roughly equal to the average daily wage.

Temporary Disablement Benefits(TDB)

a.TDB is payable to an employee who suffers employment injury (EI) or Occupational Disease and is certified to be temporarily incapable to work caused by accident or occupational disease arising in the course of his employment.
b.Eligibility for TDB : The benefit is not subject to any contributory conditions. An IP is eligible from the day he joins the insurable employment. TDB Rate is 40% over and above the normal sickness benefit rate. This works out to nearly 85% of the average daily wages.
c. Duration of TDB : There is no prescribed limit for the duration of TDB. This is payable as long as temporary disablement lasts.
Permanent Disablement Benefit (PDB) (a) PDB is payable to an IP who suffers permanent residual disablement and results in loss of earning capacity.
(b) The duration of PDB may be for the period given by Medical Board, if assessment is provisional or for entire life if assessment is final. (PDB amount is revised by the ESIC from time to time to adjust for inflation. .....back