5. Name entered in the
Employee Register
Employment card issued by
Contractor duly filled and
signed
ESIC enrollment form print out of
submitted to ESIC / E Pehchaan Card
copy.
Name in the attendance
register appears correct
01
02
03
04
Things to be ensured at the time of Joining employment
9. •What is fire? Different methods used
in ceasing fire?
Have you ever operated
a DCP/CO2 Fire
extinguisher?
What is a work permit
and what are the types of
work permits?
What is a licensed area?
What is an Assembly
point ?
In which team you are as
per the fire organogram?
Have you seen Fire
Clock?
Do you know the
emergency Exit?
Who can render First
Aid?
Do you register your exit
when you go out of the
premises for a
short duration?
What is the number you
need to call in
Emergency?
Safety is a collective responsibility and no single individual is excluded.
10. Whom to contact in cases of
Emergency?
Contact - In cases of emergency
Inform Safety Officer
Inform Location In charge
Emergency contact numbers:
Police – 100
Fire Emergency – 101
Ambulance – 102, 108
Always follow Standard Operating procedures in every activity.
Use Personal Protective Equipment while at work
Following safety rules is the only way to keep oneself safe
Always keep in mind prevention is better than cure
13. Personal Hygiene
01
02
03 04
Eat three
meals a day
Avoid oily foods
whenever possible Prepare food with
less oil
Eat more fruits and
vegetables
06
Don’t drink Coca Cola,
Pepsi, Thumps Up and
soda
05
Drink more water
14. How many hours of sleep is appropriate?
What are the effects of not getting
enough sleep?
What to do to strengthen sleep?
How should you start your day?
What are the things to avoid while at
work?
How to keep yourself energized?
15. The greatest problem of most people
is that
They listen half... understand
quarter….
think Zero….
and at the end, they react double...
Whenever you observe anything that
needs to be brought to the notice of
the officer/ location In charge. Be
courteous and to the point.
COMMUNICATION
18. Obligations of the workmen under EPF
• Workmen are required to furnish their personal details at the time of joining with a contractor such as -
Name (As on AADHAAR ), Date of Birth (As on AADHAAR) Father's/Husband's Name, Marital Status,
Mobile number, AADHAAR NUMBER, Bank details and PAN number for generating the EPF UAN and
updating the KYC.
• If the workman has already been allotted the UAN he should furnish the same to the new employer for
making compliance by the new employer under the same UAN
• The workmen are required to file the E-nomination (Form-2) online by uploading the required details.
19. Benefits provided by the EPF Act
1. Withdrawal - Illness, Construction of House, Purchase of Plot, higher education, marriage etc. (Conditions
apply).
2. Withdrawal/ Final settlement at the time of leaving the service.
3. Pension after 58 years of age.
4. EPF Refund in case of Death: claim by the dependents of the deceased workmen in the event of death of the
member for getting a refund of the accumulated EPF Contributions, EDLI amount and monthly pension by the
dependents.
5. The Employee can get the Transfer of accumulated EPF Contributions from One Establishment to another
establishment by submitting Form-13 online.
6. To check up on the EPF accumulations by the Member. The member has to login to
https://passbook.epfindia.gov.in/MemberPassBook/Login and download the same to know the balance.
20. Obligations of the workmen under ESIC
To furnish the Personal and family details to the employer enabling the employer to register under ESI Act., and to issue
the E-Pehchan card along with the family photo.
If already a member furnishes the same insurance number to the new employer for making compliance under the same
number.
The workmen should intimate the changes if any regarding the change of Address, Dispensary, Marital Status and Adding
of family members etc., for the benefit of themselves and their family members.
The workmen are required to carry along with the E-Pehchan card whenever he/she visits the ESI Dispensaries/
Hospitals and ESI Branch office to avail the medical treatment and cash benefits respectively.
In the cases of availing of medical benefits, workmen is required to submit a copy of the medical certificates issued by
ESI Dispensaries/Hospitals to the employer and also required to submit the original medical certificates to the concerned
ESI Branch office for availing of the cash benefits.
21. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
1 Medical Benefit
He/she should be in employment
irrespective of the period of service
rendered.
As long as the decease/the
injury if any is cured.
Reasonable medical care, Super
Specialty treatment, comprehensive
medical care & clinical investigation as
per eligibility i.e., he should be entitled to
sickness benefits(should have contributed
not less than 78 days in the relevant
contribution period.
2(a) Sickness Benefit 78 days in relevant Contribution Period
Up to 91 days in two
consecutive Benefit Period
(during a year)
70% of average Daily wages
2(b)
Enhanced Sickness
Benefit
78 days in one Contribution Period
7 days/ 14 days for
male/female insured person
respectively for undergoing
sterilization operation
100% of average
Daily wages
22. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
3
Extended Sickness Benefit.
In respect of chronic and prolonged deceases
such as Heart, Liver, Cancers, T.B. and severe
injuries etc.
156 days in 4
consecutive
Contribution Period
(i.e. 2 continuous
years)
Leave is sanctioned
1st
124days and will
be extended to 309
days and to 730
days according to
the condition of the
patient.
80% of average Daily wages
4(a)
Temporary Disablement Benefit. In respect of
employees who sustained an Accident during
the course and out of their employment.
From day one of
entering Insurable
employment
As long as
temporary
disablement lasts
90% of average Daily wages
4(b)
Permanent Disablement Benefit. In respect of
the employees who sustained the Accident
during the course and out of their employment.
From day one of
entering Insurable
employment
For whole life
Depending upon loss
of earning capacity of
Insured person/Insured
women
23. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
5
Dependents Benefit. In
respect of the employees
who died due to the
employment injury
sustained by the employee
during the course and out of
their employment.
From day one of
entering Insurable
employment
Paid to the dependents of the Insured
Person. Who dies as a result of employment
injury, in manner as detailed in Rule 58.
1. Spouse - whole life
2. Dependent sons
Dependent daughters – Till attaining the
age of 25 years.
3. Parents subject to the condition that they
should be wholly or partly dependents
on the earning of the deceased insured
person.
90% of average Daily
wages. Shareable in
fixed proportion.
24. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
6 Maternity Benefit
70 days in immediately
preceding 1 or 2
consecutive Contribution
Periods ((i.e. contributions
paid during preceding
1 year)
26 weeks in case of normal
delivery for 1st two surviving
child thereafter 12 weeks. 6
weeks in case of
miscarriage. 12 weeks
for commissioning/adopting
mother.
100% of average Daily wages
7 Funeral Expenses
From day one of entering
Insurable employment
For defraying expenses on
funeral of an Insured Person
With the enhancement of Funeral
Expenses to Rs.15,000/-.
25. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
8 Confinement expenses
No condition other than insurable
employment.
Up to two
confinements
Rs. 5000/- per case of
confinement to an Insured Women
or an Insured person in respect of
his wife in case facilities for
confinement are not available in
ESI institutions.
9
Medical Care to retired
Insured Persons
Superannuated/permanently retired/retired
under VRS /Pre-mature retirement/
permanently retired due to employment injury
after being in insurable employment for 5
years/spouses of such deceased Insured
Persons/spouses receiving Dependent
Benefit.
On yearly basis.
Medical facility within ESIC on
payment of Rs. 120/- for self
26. Benefits under ESIC
Sl.No. Benefits Entitlement Duration Rate of Benefit
10
PM ESIC COVID-19
RELIEF SCHEME
DEATH DUE TO COVID-
19
Should be on rolls on the
day of Diagnosis of Covid-
19 Positive Report.
Should be Registered
under ESIC prior to date of
diagnosis at least by Three
months
• During life time of the Spouse.
• Till the attaining the age of 25 years in
respect of Children
• Till the attaining the age of 25 years in
respect of Children.
• Parents subject to the condition that
they should be wholly or partly
dependents on the earning of the
deceased insured person
90% of average Daily wages
28. Fever
Cough Fatigue
Shortness of
breath
Sudden loss
of smell and
taste
Headache
Muscle
aches
Diarrhoea
Symptoms start about one or two day after exposure,
but can be as long as 14 days.
Some people have no symptoms, most have a mild illness. It can be severe and sometimes fatal.
Symptoms start like many other illnesses
29. Wash your hands with Soap
and Water
If Soap and water is not
available, use hand sanitizer
with at least 60% alcohol
Wash Hands before touching
eyes, nose and mouth
Wash your hands with Soap and
Water
Throw used tissue into closed bins
immediately after use
Cover your Nose and Mouth with
handkerchief/Tissue while sneezing
and coughing
Avoid Mass Gathering and Crowded
places
Put your mask before going
out, do not touch Mask ,
nose or eye
Covid appropriate Behavior
32. Ask a family member to
Keep the door open and
Arrange a soap mix
solution
Keep Key/Bag/Mobile in the
Safety Corner and Open
Shoes Outside Gate
Sanitize Your Hand, your
Key/Mobile/ Bag. Put your
Lunch Box in prearranged
Soap Bucket
Take a bath with
soap and keep
Cloths in Soap
Solution
As you reach back…
As you reach back…
33. A
In Case you feel unwell..
Do not come to office
Immediately inform your contractor
Do not travel to workplace
In case you are at workplace, inform your contractor and isolate
yourself in designated room
Call a designated Health Care Facility in case symptoms are severe
Stay Calm
Retake the assessment in Aarogya Setu App
Update status in Information sharing link
35. EXPENDITURE AMOUNT
Rent/Society Maintenance
Bills – Water, Electricity
Gas
Telephone/Mobile
Loans
Life Insurance
Food/Housekeeping
Clothing, Shoes
School Expenses for Children
Newspapers/Magazines
Drink & Cigarettes
EXPENDITURE AMOUNT
Holidays
Social Activities (Weddings,
Movies)
Festivals
Savings
Other Conveyance
Miscellaneous
Healthcare
Total Expenditure
Monthly Income
Surplus or Deficit
SAVINGS
36. Overdraft facility 6 months after opening the
account up to Rs 10,000
Accidental cover of Rs 2 Lakh (opened
after 28.08.2018
Rs 30,000 Life Cover
Free net banking
Direct benefits of Government
schemes
To ensure at least 1 basic savings bank account of every adult
Zero Balance Account in any Nationalized Bank or Post Office
Pradhan Mantri Jan Dhan Yojana
Debit Card
Documents required:
Proof of Identity
Proof of Address
SAVINGS
37. SAVINGS
Recurring Deposits
How to Open?
Documents required:
1. Minimum Deposit : Rs 100
2. Tenure : 1-10 years
3. Loan against deposited amount (90%)
1. Visit branch or
2. Thru internet banking
1. Proof of Identity
2. Proof of Address
38. Requirement
How to Open?
Details
1. Savings Account in a bank
2. Savings Accounts linked with FD Account
3. Set threshold limit
1. Visit branch or
2. Thru internet banking
Tenure: 1 year automatically
Can be renewed automatically
a
Sweep Facility
SAVINGS
39. Medium- and Long-Term Investment
Options
Investment
PPF
NPS
Postal
MIS
SSY
PMAPY
Mutual
Funds
40. PPF (Public Provident Fund)
Why was it started GoI?
• Help in building fund for Retirement
• For those who where
Not under Government Pension
or
Not covered in EPF or
Working in unorganized sector
Benefits (EEE)
• Tax-free and risk-free investmen
• PPF Returns > FD Returns
• Claim tax deduction of Rs. 1.5
Lakh
Eligibility
• Indian Citizen
• Can be transferred in case of
change in home location
• Can be opened for minor also
Where to Open?
• Post Office
• Bank
41. Required documents
• Form A
• Passport Size Photograph
• Address Proof
• Identity Proof
Minimum Deposit: Rs 500 in a FY
Maximum Deposit: Rs 1.5 Lakh FY
Average interest: 7-9 % * Declared by
Govt.
Current Interest: 7.1 %
Lock-in Period: 15 years
Can be extended by 5 years
Pre-mature withdrawal
1. Loan: 3rd to 6th FY- PPF+2%
2. After 6th FY- 1 withdrawal per FY
The amount in the PPF account is
not subject to attachment under
any order or decree of a court of
law.
PPF (Public Provident Fund)
42. Benefits
• Tax Free Returns
• Higher Long-Term Returns
Asset Classes
• Equity
• Government Bonds
• Corporate Bonds
• AIF (Real Estate etc.)
FOR RETIREMENT PLAN
43. Withdrawal Rule
• 60 % of final corpus
amount- bank transfer
• 40% annuity- for regular
income
Partial withdrawal
• Critical Illness
• Children Education
44. Maturity Period
• 5 years
• Cannot be increased or
reduced
• Premature Closure allowed
after 1 year
• 2% deduction charges on
closure before 3 years
• 7.4% p.a. current interest
• No TDS
45. Sukanya Samriddhi Yojana
• For Girls’ Education and
Marriage
• Only parents with Girl
Child can apply
• 2 accounts can be
opened, 1 for each girl
child
• 3 accounts if 1 girl and
then twins
Eligibility
• Indian; Age of girl
child: 0-10 years
• Can be opened in Post
Office or Bank
• Account open: Rs 250
• Deposit: Rs 250 – Rs
1.5 Lakh
Documents
• Birth Certificate of Girl
Child
• ID Proof and Address
Proof
Investment Period: 15
years
Maturity Period: 21 years
Interest Rate: 7.6%
Annual compounding
EEE category
Premature Withdrawal Rule
• 18 years of girl child/ Higher
education
• Max 50% of corpus
• Marriage
• Close Account and take out
complete
Closure
• Death
• Extreme emergency
• Changes in
citizenship
46. Pradhan Mantri Atal Pension Yojana
FOCUS ON OLD AGE INCOME OF
UNORGANIZED SECTOR WORKERS
Eligibility
• Indian 18-40 yrs.
• Not enrolled in other govt.
retirement/ pension scheme
• Minimum Investment Duration: 20
years
• Guaranteed monthly income after
60 years
Account Opening:
• Online in bank
• Offline in bank
• Post Office
Documents:
• Aadhar Card
• Bank Account
• Nominee Name
• Pension upto Rs 5000
• Rs 15 opening charges
• Rs 15-25 maintenance charges
• Investment amount can be changed
once in a year
Premature withdrawal
• Life threatening disease
• Death
• Lack of money
48. Pradhan Mantri Jeevan Jyoti Bima Yojana
Focus on help to family members in case
of untimely death of earning member
• Rs 436 Premium p.a.
• Life Insurance worth Rs 2 Lakh
• No Maturity Benefits
Eligibility
• Indian 18-50 yrs.
• Valid bank account
• Coverage period till 55 years
Auto payment from Bank Account and Auto
Renewal
Coverage Period: 1 June to 31 May
How to enroll
• Offline Form from Bank with Aadhar
• Online banking
Claim process
• Nominee must fill Claim Form and Discharge
Receipt
• Death Certificate
• Aadhar Card
• Bank Details
49. Ayushman Bharat Yojana
• Or Pradhan Mantri Jan Arogya Yojana (PMJAY)
• Cashless hospitalization cover at public and network private hospitals
• Covers cost of
Hospitalization
Pre-hospitalization
Medication
Post-hospitalization expenses
• Rs 5 Lakh coverage per family per year
• For People BPL
• Available across India free of cost
50. How to Register Online?
• Government website for PMJAY
• Am I Eligible
• Mobile number- OTP
• Enter
State
Name
Ration card number, household number,
or mobile number
• If covered, will appear in list
Documents Required?
• Age & Identity Proof
• Contact details
Mobile
Address
Email
• Caste certificate
• Income certificate (max Rs 5 LPA)
• Document proof of Joint or nuclear Family
Ayushman Bharat Yojana
51. How to check name in list?
Online
Official online site of
National Health
Authority
CSC
Nearest Common
Service Centres
Empanelled hospitals
Helpline
14555/ 1800111565
Seek information
Ayushman Bharat Yojana
52. Time Management Money Management
URGENT + IMPORTANT
Day to Day expenses – food,
clothes, conveyance,
emergency medical expenses
NOT URGENT but
IMPORTANT
Savings, investments
NECESSARY but NOT URGENT
School uniforms, scooter, mobile
phones, painting your house
regular medical check ups
NOT URGENT & NOT
IMPORTANT
Loans, jewelry,
entertainment
Two important resources
53. You are the Creator of You Destiny
“Everything you are today and
everything you become in the future
will be determined by the way you
think and the way you use your
time.
IT’S NEVER TOO
LATE TO DREAM
BUT ONE MUST
HAVE IT!
54. I affirm, that I understand and
believe in the importance of SAFETY.
I hereby pledge to strictly follow all the rules, procedures and practices, that will ensure, SAFETY AT ALL TIMES.
My Pledge
