Permanent Disablement Benefit is paid to an insured person who suffers from permanent disability as a result of an employment injury (including occupational disease), which results in loss of earning capacity.
If the employment injury results in partial or total/permanent disability, the PDB is payable till the death of the insured person.
No contributory conditions are prescribed for this benefit. While the rate of temporary disablement benefit is 70% or a little more of the wages and that of permanent disablement benefit is proportionate to the loss of earning capacity caused by the injury.
Funeral expenses are in the nature of a lump sum payment up to a maximum of Rs. 5000/- made to defray the expenditure on the funeral of insured person. The amount is paid either to the eldest surviving member of the family or, in his absence, to the person who actually incurs the expenditure on the funeral.
Disabled insured persons who remain admitted in an artificial limb centre for fixation or repair or replacement of the artificial limb are entitled to rehabilitation allowance for each day on which they remain admitted at Artificial limb centre at double the standard sickness benefit rate. This is not subject to any contributory condition.
This Scheme has been designed to provide financial assistance to the insured persons who are referred to vocational rehabilitation centre for training.
Insured person who satisfy following conditions are entitled to avail benefits of the vocational rehabilitation scheme.
whose permanent loss of earning capacity has been determined as 40% or more.
who is in receipt of permanent disablement benefit under the ESI Act, 1948.
who is not in any gainful employment, and
who is not more than 45 years of age on the date of his application.