This document summarizes several key social security schemes in India that provide protection to workers, including the Employees' State Insurance (ESI), Maternity Benefit Act, Employees' Provident Fund (EPF), and Gratuity. The ESI provides sickness, maternity, and disability benefits. The Maternity Benefit Act guarantees paid leave for new mothers. The EPF offers retirement savings and pension. Gratuity provides lump sum payments to employees after 5+ years of service. However, these schemes mainly cover organized sector workers and lack funds, facilities, and implementation in rural areas where most Indians work.

1. Social Security Schemes In India

2. Group Member Name-
Name Enrollement No:-
Kajal Tiwari 2067
Juhi Singh 2065
Jainab Khalifa 2021
Urvashi Tiwari 2068
Saurabh Jha 2024
Farah Shaikh 2060
Anjali Singh 2064

3. Social Security
• Social security provides protection to the
labourers and their families and hence is very
crucial component to labour welfare.
• Who provide protection:-The society to its
members.
• How:-Through a series of public measures.
• When:-Against the economic and social distress.
• Situations:- Stoppage of earning resulting from
sickness,maternity,employment injury,
occupational diseases, old age and death.

4. Why We Need of Social Security
• Most of the rural and informal sector workers in the
world do not have any social security measures.
• In India almost 90% of families earn their livelihood
from the unorganized sector.
• Needs that necessitates social security:-
-Physical risk: Sickness, old
age,maternity,accidents,death.
-Economic risk:Unemployment,Economic burden of
larger Family.

5. Social Security Schemes In India
• Employees State Insurance
• Maternity Benefit
• Payment of Gratuity
• Employees Provident Fund

6. Employees State Insurance
• Employees State insurance act was enacted in the
year 1948 by the Indian parliament.
• Applicability:-Applies to non-seasonal power
using factories employing 10 or more persons and
non-power using factories and certain other
specified establishments employing 20 or more
persons for wages.

7. • Beneficiaries:-Employees drawing wages up to
Rs.15000per month and for permanently disabled
employees wage ceiling is Rs.25000 per month
• Contribution:- Employees @1.75% of their
wages, while the employers contribute @4.75%of
the wages of insurable workers.
• State govt.contribute a minimum of 1/8th share of
the expenditure on medical care in their
respective states.

8. • The ESI schemes provides following benefits to
the insured persons:-
• Sickness benefit
• Medical benefit
• Maternity Benefit
• Disablement benefit
• Dependent benefit
• Benefits of medical treatment
• Payment of funeral

9. Maternity Benefit
• The Maternity (amendment) Bill 2017, an
amendment to the maternity benefit act 1961 was
passed:-
-In Rajya Sabha on august 11,2016
- In Lok Sabha on march 09,2017
- Received an assent from president of India on
march 27,2017.

10. Maternity Benefit Act,1961
• Applicable to:-Every establishment being a
factory, plantation or mine and to every shop or
establishment in which 10 or more persons are
employed.
• Benefit:- Female Workers-paid holiday not
exceeding 26 week in case of maternity and
during this period they are eligible to receive full
wages.

11. • In case of the third child, the leave period would
be 12 weeks.
• In case of miscarriage, maternity leave is
available for a period not exceeding 6 weeks.
• Provision for sick leave for a period not
exceeding one month in case of sicknes arising
out of maternity.
• As per the amendment after the period of
maternity leaves ends, the women workers have
the right to discuss with employer for the option
of work from home.

12. Crèche Facility
• The maternity benefit amendment act makes
crèche facility mandatory for every establishment,
employing 50 or more employees.
• Women employees would be permitted to visit the
crèche 4 times during the day.(including rest
intervals)

13. Criticism of Maternity Benefit Act
• Gender discrimination against women having
childbearing age.
• Financial burden only on the employer.
• Women will lose their job.

14. Employees Provident Fund
• The main purpose of EPF is to provide employees
with lump sum payments at the time of exit from
their place of employment.
• The first provident fund act passed in 1925 for
regulating the provident funds of some private
concerns.
• The employees provident fund schemes,1952
framed under section 5 of the act was brought into
force by stages and was enforced in its entirely by
1st November,1952

15. • Three Schemes came under the EPF.
1. Employees Provident Fund,1952-EPS-
Retirement Savings.
2. Employee Pension Scheme,1995-EPS-Post
retirement pension.
3. Employee Deposit Linked insurance
scheme,1976-EDLI- Relief to Family members
in case of sudden death.

16. Applicability:-
Industries under schedule 1 of EPF Act.
180+ industries
Employees Strength 20 and more
theatre Employee Strength 5 and more
Wages(Basic+DA)15000 or less.
Benefits:-
Tax free savings
Post retirement benefits
Emergencies
Loss of Income
Life Insurance Benefit
Universal access

17. Rules for calculation of EPF
1. Sources of contribution
2. Matching Deposit
3. Extra Amount by employer
4. PF wages (Basic+DA)
5. Wage limit would be equal to or less than 15000.

18. Which Business have 10%rate?
• Voluntary coverage (Employees less than 20)
• Declared sick by board of industries and financial
reconstruction.
• Financial year loss greater than and equal to net
worth.
• Jute,Coir,brick,Guar gam

19. Gratuity
• The gratuity amount depends upon the tenure of
service and last drawn salary.
• Gratuity is a reward to an employees for long
services rendered to an organization i.e. minimum
continuous service of 5 years.
• For Govt.employees Rs20 lakh is the maximum
amount.

20. Applicable To:-Factories,mines,oil
seeds,plantations,ports,railways etc employing
10 or more persons.
• Payable Under Situation: - of
superannuation,retirement,death and disablement.
• Benefits:- Tax Free

21. Calculation of Gratuity
Gratuity=
Last Drawn salary*Number of completed year of service*15/26

22. Drawbacks of Social Security Schemes in
India
• Cover only workers in organized sector.
• Lack of funds and facilities.
• Lack of trained staff to implement the
schemes.
• There is considerable overlapping of schemes.
• Most Measures are in the nature of social
assistance and not social insurance.
• Mostly employers have to make contributions.

23. Challenges of Social Security Schemes in
India
• Funding of social security measures.
• The unavailability of reliable data.
• Lack of proper knowledge
• Lack of co-ordination

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