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 risks: Sickness, old age, maternity, accidents, death.
Economic risks : Unemployment
Economic burden of larger family
it is slide on thecurrent hot topic "social security"and it focuses several schemes launched by"The Govt of India" to improve the economic status of people...
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 risks: Sickness, old age, maternity, accidents, death.
Economic risks : Unemployment
Economic burden of larger family
it is slide on thecurrent hot topic "social security"and it focuses several schemes launched by"The Govt of India" to improve the economic status of people...
Social Security Measures & Welfare State: A brief overviewNilesh Lahoty
This slide deck explores the basics of the concept of Social Security & Welfare State, complex web of welfare schemes in India & few comparisons with other countries.
This presentation was made for the course "Public Finance: Theory & Policies" (ECON F34) taught at BITS Pilani.
This Act applies to wages payable to an employed person in respect of a wage period if such wages for that wage period do not exceed. Six thousand five hundred rupees per month or such other higher sum which, on the basis of figures of the Consumer Expenditure Survey published by the National Sample Survey Organization, the Central Government may after every five years, by notification in the Official Gazette, specify.
Social Security scheme for Women and Old age PeopleVivek Varat
Social security may also refer to the action programs of government intended to promote the welfare of the population through assistance measures guaranteeing access to The loss of support suffered by a widow or child as the result of the death of the breadwinner (survivor’s benefit);
Responsibility for the maintenance of children (family benefit);
The treatment of any morbid condition (including pregnancy), whatever its cause (medical care);
A suspension of earnings due to pregnancy and confinement and their consequences (maternity benefit);
A suspension of earnings due to an inability to obtain suitable employment for protected persons who are capable of, and available for, work (unemployment benefits);
A suspension of earnings due to an incapacity for work resulting from a morbid condition (sickness leave benefit);
A permanent or persistent inability to engage in any gainful activity (disability benefits);
The costs and losses involved in medical care, sickness leave, invalidity and death of the breadwinner due to an occupational accident or disease (employment injuries).
People who cannot reach a guaranteed social minimum for other reasons may be eligible for social assistance (or welfare, in American English).
Modern authors often consider the ILO approach too narrow. In their view, social security is not limited to the provision of cash transfers, but also aims at security of work, health, and social participation; and new social risks (single parenthood, the reconciliation of work and family life) should be included in the list as well.
Social Security Measures & Welfare State: A brief overviewNilesh Lahoty
This slide deck explores the basics of the concept of Social Security & Welfare State, complex web of welfare schemes in India & few comparisons with other countries.
This presentation was made for the course "Public Finance: Theory & Policies" (ECON F34) taught at BITS Pilani.
This Act applies to wages payable to an employed person in respect of a wage period if such wages for that wage period do not exceed. Six thousand five hundred rupees per month or such other higher sum which, on the basis of figures of the Consumer Expenditure Survey published by the National Sample Survey Organization, the Central Government may after every five years, by notification in the Official Gazette, specify.
Social Security scheme for Women and Old age PeopleVivek Varat
Social security may also refer to the action programs of government intended to promote the welfare of the population through assistance measures guaranteeing access to The loss of support suffered by a widow or child as the result of the death of the breadwinner (survivor’s benefit);
Responsibility for the maintenance of children (family benefit);
The treatment of any morbid condition (including pregnancy), whatever its cause (medical care);
A suspension of earnings due to pregnancy and confinement and their consequences (maternity benefit);
A suspension of earnings due to an inability to obtain suitable employment for protected persons who are capable of, and available for, work (unemployment benefits);
A suspension of earnings due to an incapacity for work resulting from a morbid condition (sickness leave benefit);
A permanent or persistent inability to engage in any gainful activity (disability benefits);
The costs and losses involved in medical care, sickness leave, invalidity and death of the breadwinner due to an occupational accident or disease (employment injuries).
People who cannot reach a guaranteed social minimum for other reasons may be eligible for social assistance (or welfare, in American English).
Modern authors often consider the ILO approach too narrow. In their view, social security is not limited to the provision of cash transfers, but also aims at security of work, health, and social participation; and new social risks (single parenthood, the reconciliation of work and family life) should be included in the list as well.
Як громадськість може запобігати або усувати корупційні прояви та спокуси посадовців, зокрема в органах місцевого самоврядування, досліджували представники бізнес-об"єднань та неурядового сектору Одеси. Робота проводилася під час тренінгу "Методика і практика проведення громадської антикорупційної експертизи регуляторних актів місцевого рівня". Захід було організовано в проекту USAID "Впевнений бізнес-заможна громада", що впроваджується Центром міжнародного приватного підприємництва (СІРЕ).
27 жовтня 2016 року підбили підсумки річної діяльності організації роботодавців "Івано-Франківська обласна організація промисловців, роботодавців та орендарів".
У форматі круглого столу члени організації та запрошені учасники обговорили передумови створення ІФООПРО, роботу та здобутки організації за рік, задуми і плани щодо подальшого розвитку.
Описова частина - goo.gl/UzgsCA
http://prezi.com/pnwjebj9r7wj/?utm_campaign=share&utm_medium=copy - оригінальна презентація
Третя фаза спільного проекту ЄС/ПРООН «Місцевий розвиток, орієнтований на громаду» (МРГ) представлена в Івано-Франківській області 08 жовтня 2014 року.
Цього ж дня підписано угоду про партнерство між облдержадміністрацією, обласною радою та Програмою розвитку ООН. Підписавши угоду, три сторони дійшли згоди щодо бажання та готовності співпрацюватив рамках проекту "Місцевий розвиток, орієнтований на громаду, фаза ІІІ", що фінансується Програмо. ЄС в Україні та ПРООН.
Процес впровадження першої фази Проекту МРГ в Івано-Франківській області розпочався в лютому 2008 року. Згодом в Івано-Франківській області успішно розпочалася друга фаза Проекту в липні 2011 року. Протягом двох фаз Проекту МРГ усього 125988 чоловіків, жінок та дітей Прикарпаття покращили умови свого життя через реалізацію мікропроектів щодо відновлення 28 дитячих садків та 67 шкіл, 16 медичних пунктів, 2 проекти - доступу до якісної води, 5 - охорони довкілля, 14 - енергозберігаючого вуличного освітлення. Дані місцеві ініціативи були успішно реалізовані завдяки об’єднанню зусиль мешканців сіл, місцевої, районної та обласної влади, Проекту МРГ та приватних спонсорів.
Зокрема, на першому етапі Проекту область займала лідируючі позиції серед інших регіонів України. Загалом було реалізовано 69 мікропроектів на загальну суму 9,1 млн грн.
За період другого етапу (2011-2014 рр.) Проект впроваджувався за 3-ма компонентами. Результатом участі у цьому етапі, на якому працювали 52 громади з 13 районів області (окрім Надвірнянського) стали, зокрема, реалізовані 63 мікропроекти на суму 11 млн грн.
Під час третьої фази Проект МРГ надаватиме підтримку обласним та місцевим органам влади щодо поширення кращих практик та досвіду із спільного планування та подальшого поширення підходу, орієнтованого на громаду, в Івано-Франківській області.
В Івано-Франківську представили «пакет вимог» бізнесу до влади з пропозиціями щодо розвитку і підтримки підприємництва в місті. Так, 25 вересня представники бізнес-середовища та неурядового сектору зібралися за круглим столом, на якому підбили підсумки чергового етапу адвокасі-кампанії з просування пропозицій реформ в сфері розвитку підприємництва до влади.
Адвокасі-кампанія проводиться Молодіжним громадським центром «Еталон», який на Івано-Франківщині є регіональним партнером проекту USAID «Впевнений бізнес – заможна громада», що впроваджується Центром міжнародного приватного підприємництва.
В Івано-Франківській області стартував проект Агентства США з міжнародного розвитку (USAID) "Впевнений бізнес – заможна громада" (підтримка невідкладних реформ для покращення бізнес-середовища в Україні), виконавцем якого виступає Центр міжнародного приватного підприємництва (CIPE).
Метою проекту є сприяння внесенню, ухваленню та впровадженню невідкладних реформ у сфері подолання корупції та покращення бізнес-середовища для малих і середніх підприємств (МСП) в Україні.
На регіональному рівні в рамках проекту здійснюватиметься перегляд регуляторних актів муніципалітетів обласних центрів трьох пілотних областей з подальшою розробкою рекомендацій щодо спрощення регуляторного середовища для малого і середнього бізнесу. Також будуть підготовлені пропозиції щодо перегляду обласних програм підтримки й розвитку МСП.
Івано-Франківська область увійшла до трійки регіонів України, де впроваджуватиметься проект (окрім Вінницької та Сумської).
Молодіжний громадський центр «Еталон» (м.Івано-Франківськ) є партнером представництва Центру міжнародного приватного підприємництва в Україні (СІРЕ-Україна), який забезпечує реалізацію проекту.
Як громадськість може запобігти корупційним проявам та спокусам посадовців
обговорювали на круглому столі, присвяченому результатам громадської антикорупційної експертизи регуляторних актів Івано-Франківської міської ради та міськвиконкому. Тобто тих рішень, що визначають «правила гри» для бізнесу на місцевому рівні.
Юристи молодіжного громадського центру «Еталон» впродовж декількох місяців досліджували рішення міської влади. Мета цієї роботи в рамках проекту USAID «Впевнений бізнес – заможна громада» - проаналізувати регуляторні акти на предмет їхньої відповідності чинному законодавству України та відшукати корупційні ризики. Йдеться про ті норми рішень, які можуть спричинити чи сприяти вчиненню посадовцями корупційних правопорушень.
Адже, з корупцією переважно борються вже тоді, коли «зловили за руку». Проте мало хто приділяє увагу усуненню корупційних загроз на стадії їх утворення - коли розробляються проекти рішень місцевої влади. А закон дозволяє, зокрема, організованій громадськості проводити антикорупційну експертизу проектів нормативно-правових актів та висувати пропозиції задля недопущення прийняття «корупційно небезпечних» та «корупційно спокусливих» для чиновників рішень. Тих рішень, в яких вже закладені можливості для зловживання своїми повноваженнями.
"Краще такі спокуси не породжувати, а викорінювати на зародковому етапі" - зробили висновок учасники круглого столу.
Онлайн-опитування проводилося в серпні 2016 року в рамках розробки Стратегії розвитку Івано-Франківська-2027.
Всього взяли участь 667 респондентів.
Це ввідне опитування, мета якого має дві складові:
з однієї сторони – інформативно-просвітницьке спрямування. Містяни довідуються про початок процесу стратегічного планування;
з іншої, - це з’ясування того, як мешканці сприймають місто, в якому живуть. Що подобається/не подобається, в чому вбачають проблеми, яким бачать подальший розвиток міста і т.д.
Загалом була використана анкета, що розроблялася при проведенні опитування в 2010 році під час розробки стратегічного плану міста на п'ятирічний період.
The employees state insurance act,1948
Social insurance of india
The Adakar plan- Workmen’s State Insurance Bill, 1946
A social welfare legislation with the objective of providing benefits to employees- sickness, maternity and employment injury.
Act tries to attain socio-economic justice enshrined in DPSP under part IV of the constitution
Eliott Dear Lawyer is explaining the Role of Employee Benefits. Eliott Dear is a regarded legal advisor in New York. He has over ten years of involvement with his legitimate work.
R3 Stem Cells and Kidney Repair A New Horizon in Nephrology.pptxR3 Stem Cell
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ICH Guidelines for Pharmacovigilance.pdfNEHA GUPTA
The "ICH Guidelines for Pharmacovigilance" PDF provides a comprehensive overview of the International Council for Harmonisation of Technical Requirements for Pharmaceuticals for Human Use (ICH) guidelines related to pharmacovigilance. These guidelines aim to ensure that drugs are safe and effective for patients by monitoring and assessing adverse effects, ensuring proper reporting systems, and improving risk management practices. The document is essential for professionals in the pharmaceutical industry, regulatory authorities, and healthcare providers, offering detailed procedures and standards for pharmacovigilance activities to enhance drug safety and protect public health.
Defecation
Normal defecation begins with movement in the left colon, moving stool toward the anus. When stool reaches the rectum, the distention causes relaxation of the internal sphincter and an awareness of the need to defecate. At the time of defecation, the external sphincter relaxes, and abdominal muscles contract, increasing intrarectal pressure and forcing the stool out
The Valsalva maneuver exerts pressure to expel faeces through a voluntary contraction of the abdominal muscles while maintaining forced expiration against a closed airway. Patients with cardiovascular disease, glaucoma, increased intracranial pressure, or a new surgical wound are at greater risk for cardiac dysrhythmias and elevated blood pressure with the Valsalva maneuver and need to avoid straining to pass the stool.
Normal defecation is painless, resulting in passage of soft, formed stool
CONSTIPATION
Constipation is a symptom, not a disease. Improper diet, reduced fluid intake, lack of exercise, and certain medications can cause constipation. For example, patients receiving opiates for pain after surgery often require a stool softener or laxative to prevent constipation. The signs of constipation include infrequent bowel movements (less than every 3 days), difficulty passing stools, excessive straining, inability to defecate at will, and hard feaces
IMPACTION
Fecal impaction results from unrelieved constipation. It is a collection of hardened feces wedged in the rectum that a person cannot expel. In cases of severe impaction the mass extends up into the sigmoid colon.
DIARRHEA
Diarrhea is an increase in the number of stools and the passage of liquid, unformed feces. It is associated with disorders affecting digestion, absorption, and secretion in the GI tract. Intestinal contents pass through the small and large intestine too quickly to allow for the usual absorption of fluid and nutrients. Irritation within the colon results in increased mucus secretion. As a result, feces become watery, and the patient is unable to control the urge to defecate. Normally an anal bag is safe and effective in long-term treatment of patients with fecal incontinence at home, in hospice, or in the hospital. Fecal incontinence is expensive and a potentially dangerous condition in terms of contamination and risk of skin ulceration
HEMORRHOIDS
Hemorrhoids are dilated, engorged veins in the lining of the rectum. They are either external or internal.
FLATULENCE
As gas accumulates in the lumen of the intestines, the bowel wall stretches and distends (flatulence). It is a common cause of abdominal fullness, pain, and cramping. Normally intestinal gas escapes through the mouth (belching) or the anus (passing of flatus)
FECAL INCONTINENCE
Fecal incontinence is the inability to control passage of feces and gas from the anus. Incontinence harms a patient’s body image
PREPARATION AND GIVING OF LAXATIVESACCORDING TO POTTER AND PERRY,
An enema is the instillation of a solution into the rectum and sig
Deep Leg Vein Thrombosis (DVT): Meaning, Causes, Symptoms, Treatment, and Mor...The Lifesciences Magazine
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The Importance of Community Nursing Care.pdfAD Healthcare
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Telehealth Psychology Building Trust with Clients.pptxThe Harvest Clinic
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Explore our infographic on 'Essential Metrics for Palliative Care Management' which highlights key performance indicators crucial for enhancing the quality and efficiency of palliative care services.
This visual guide breaks down important metrics across four categories: Patient-Centered Metrics, Care Efficiency Metrics, Quality of Life Metrics, and Staff Metrics. Each section is designed to help healthcare professionals monitor and improve care delivery for patients facing serious illnesses. Understand how to implement these metrics in your palliative care practices for better outcomes and higher satisfaction levels.
Medical Technology Tackles New Health Care Demand - Research Report - March 2...pchutichetpong
M Capital Group (“MCG”) predicts that with, against, despite, and even without the global pandemic, the medical technology (MedTech) industry shows signs of continuous healthy growth, driven by smaller, faster, and cheaper devices, growing demand for home-based applications, technological innovation, strategic acquisitions, investments, and SPAC listings. MCG predicts that this should reflects itself in annual growth of over 6%, well beyond 2028.
According to Chris Mouchabhani, Managing Partner at M Capital Group, “Despite all economic scenarios that one may consider, beyond overall economic shocks, medical technology should remain one of the most promising and robust sectors over the short to medium term and well beyond 2028.”
There is a movement towards home-based care for the elderly, next generation scanning and MRI devices, wearable technology, artificial intelligence incorporation, and online connectivity. Experts also see a focus on predictive, preventive, personalized, participatory, and precision medicine, with rising levels of integration of home care and technological innovation.
The average cost of treatment has been rising across the board, creating additional financial burdens to governments, healthcare providers and insurance companies. According to MCG, cost-per-inpatient-stay in the United States alone rose on average annually by over 13% between 2014 to 2021, leading MedTech to focus research efforts on optimized medical equipment at lower price points, whilst emphasizing portability and ease of use. Namely, 46% of the 1,008 medical technology companies in the 2021 MedTech Innovator (“MTI”) database are focusing on prevention, wellness, detection, or diagnosis, signaling a clear push for preventive care to also tackle costs.
In addition, there has also been a lasting impact on consumer and medical demand for home care, supported by the pandemic. Lockdowns, closure of care facilities, and healthcare systems subjected to capacity pressure, accelerated demand away from traditional inpatient care. Now, outpatient care solutions are driving industry production, with nearly 70% of recent diagnostics start-up companies producing products in areas such as ambulatory clinics, at-home care, and self-administered diagnostics.
CRISPR-Cas9, a revolutionary gene-editing tool, holds immense potential to reshape medicine, agriculture, and our understanding of life. But like any powerful tool, it comes with ethical considerations.
Unveiling CRISPR: This naturally occurring bacterial defense system (crRNA & Cas9 protein) fights viruses. Scientists repurposed it for precise gene editing (correction, deletion, insertion) by targeting specific DNA sequences.
The Promise: CRISPR offers exciting possibilities:
Gene Therapy: Correcting genetic diseases like cystic fibrosis.
Agriculture: Engineering crops resistant to pests and harsh environments.
Research: Studying gene function to unlock new knowledge.
The Peril: Ethical concerns demand attention:
Off-target Effects: Unintended DNA edits can have unforeseen consequences.
Eugenics: Misusing CRISPR for designer babies raises social and ethical questions.
Equity: High costs could limit access to this potentially life-saving technology.
The Path Forward: Responsible development is crucial:
International Collaboration: Clear guidelines are needed for research and human trials.
Public Education: Open discussions ensure informed decisions about CRISPR.
Prioritize Safety and Ethics: Safety and ethical principles must be paramount.
CRISPR offers a powerful tool for a better future, but responsible development and addressing ethical concerns are essential. By prioritizing safety, fostering open dialogue, and ensuring equitable access, we can harness CRISPR's power for the benefit of all. (2998 characters)
the IUA Administrative Board and General Assembly meeting
Social security schemes
1. Social Security
and
Social Security Schemes in India
Presenter
Dr. Mitasha Singh
Moderator
Dr. Dinesh Kumar
Department of community medicine
Dr. RPGMC, Tanda
HP
2. Social Security
• It represents basically a system of protection of individuals
who are in need of such protection by the State as an agent of
the society.
• Who provides protection- the society to its members
• How- through a series of public measures
• When- against the economic and social distress
• Situations- stoppage or substantial reduction of earnings resulting from
sickness, maternity, employment injury, occupational diseases,
unemployment, invalidity, old age and death.
3. Background
• Traditionally responsibility of the family/community
in general.
• Gradual industrialization/urbanization, break up of
the joint family set up and weakening of family
bondage
• Need based formal security- social security
4. Health insurance coverage
India
• Planning commission 2008: 11% of the country’s
populations
• DLHS-3: 5 % households
• Health insurance is the one of the measures of social
security by which members of the community are
assured benefits of both maintenance of health and
medical care when they fall sick.
Vishwanathan,1996
5. Type of coverage of health scheme/health
insurance
0
20
40
60
80
100
120
NFHS-3 DLHS-3
26.5
17
20.5 39.2
27.9
6.7
Others
Private HI
Med reimbursement
Mediclaim
CBHI
CGHS
ESIS
7. Average premium and claim paid per
policy- trend
0
5000
10000
15000
20000
25000
claim paid per policy in
Rs.
premium per policy in Rs.
Source: Insurance Information Bureau, (http://iib.gov.in/IRDA/healthpub/Health_0910.pdf)
8. Top 5 disease wise number of claims and
average amount of claim paid in 2009-10
0
200000
400000
600000
800000
1000000
1200000
Number
of claims
circulatory
ds
eye ds
urology ds
digestive
ds
infectious
ds
0
50000
100000
150000
200000
average
claims
paid in
Rs.
nervous
system ds
injury
neoplasm
arthropat
hies
circulator
y ds
Source: Insurance Information Bureau, (http://iib.gov.in/IRDA/healthpub/Health_0910.pdf)
9. Health Insurance Coverage in top 5 states,
DLHS-3 (2007-08)
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Others
Private HI
Medical reimbursement
Mediclaim
CBHI
CGHS
ESIS
12.1% 12% 10.2% 6.3% 6.2%
10. Health Insurance Coverage in India across the
wealth quintile groups, NFHS-3 (2005-06)
0 5 10 15 20 25
percentage of HH covered by
health insurance scheme among
wealth quintiles
poorest
second
middle
richer
richest
11.
12. Why Do We Need Social Security?
• Protects not just the subscriber but also his/her entire
family by giving benefit packages in financial
security and health care.
• acts as a facilitator - helps people to plan their own future
through insurance and assistance.
• a worker/employee- a source of Social Security protection
for himself and his family.
• an employer- responsible for providing adequate social
security coverage to all your workers.
13. Elements of Social security
• two basic elements-
• provision of a ‘ minimum living to those who
are deprived of the same’ and
• ‘selective redistribution of income’ to a target
group to reduce inequalities
14. Advantages and Disadvantages
• Negative effects- discourages people from working and saving
• reduce international competitiveness and employment creation, and
• encourages people to withdraw from the labour market prematurely.
• Positive Economic Effects- help to make people capable of earning
an income and to increase their productive potential;
• help to maintain effective demand at the national level; and
• help create conditions in which a market economy can flourish, by
encouraging workers to accept innovation and change.
15. Existing Frame Work Of Social Security
Schemes- Organized sector
• defined as workers who are having a direct
regular employer-employee relationship within a
organization.
• Out of total workforce of 46.5 crore, 6% is in the organized
sector (NSSO 2009-10)
16. • Includes establishments which are covered by the
Factories Act, 1948,
• the Shops and Commercial Establishments Acts of
State Governments,
• the Industrial Employment Standing Orders Act,
1946.
17. • Workmen’s Compensation Act, 1923 –
• disablement due to employment injury and death due to
employment injury.
• Benefit- for disablement is Rs.5.48 lakhs and for death is Rs. 4.56
lakhs.
• In case of temporary disablement monthly payments are made @
50% of wages upto 5 years.
• Limitations- not provide real social security.
• In our social conditions there is a tendency to spend the
money immediately even on non-essential items.
18. • Central Government Health Scheme, 1954-
• Ministry of Health and Family Welfare
• Applicable to-all central government employees (both working and
retired), and their families, and other representatives associated with the
central government.
• Benefits- comprehensive health care
• Contribution- financed mainly with Central Government tax revenues
• Beneficiaries contribute a share of their wages- 5% of the total expenditure
19. • 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 holidays not exceeding 12
weeks in the case of maternity and
• during this period they are eligible to receive full wages.
• In the case of miscarriage, maternity leave is available for a
period not exceeding six weeks.
• provision for sick leave for a period not exceeding one month
in case of sickness arising out of maternity
20. • Payment of Gratuity Act, 1972
• Applicable to- factories, mines, oil fields, plantations, ports,
railway companies, and to shops and establishment employing ten or
more persons.
• Benefit- Gratuity is payable @ 15 day' wages for every completed
year of service subject to monetary ceiling of Rs.3.50 lakh.
• In case of seasonal establishments gratuity is payable @ 7 day’s
wages.
• Payable under situations- of superannuation, retirement,
resignation, death or disablement
• due to accident or disease subject to completion of 5 years continuous
service
21. • Employees’ State Insurance
Scheme, 1948
• 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.
22. • Beneficiaries- Employees drawing wages up to Rs. 15000/- a month
• 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 governments contribute a minimum of 1/8th share of the expenditure
on medical care in their respective States.
23. • The ESI Scheme provides following benefits to the Insured
Persons:-
• Sickness benefit
• Medical benefit
• Maternity benefit
• Disablement benefit
• Dependent benefit
• Other Benefits-
(a) Confinement Expenses
(b) Funeral Expenses
(c) Vocational Rehabilitation
(d) Physical Rehabilitation
(e) Unemployment Allowances (Rajiv Gandhi Shramik Kalyan Yojana)
24. • The Employees’ Provident
Fund,1952-
• meant for security of workers after their retirement
• Applicable to- institution of provident fund for the
employees of factories and other establishments.
• Beneficiaries- restricted to employees drawing pay plus
dearness allowance not exceeding Rs.6, 500/- per month.
• Contribution- Employer:1.67-3.67% of wages and
Employee:10-12% of their wages
25. • The Employees’ Deposit Linked Insurance
Scheme, 1976-
• Applicable to- the employees who have been enrolled to the
membership of Employees Provident Fund Scheme, 1952
• Benefit- The Scheme provides for payment of assurance benefit,
upon death of the member while in service.
• Contribution- from the employer of the establishment @ 0.50% of
the wages of the employees
26. • The Employees’ Pension Scheme, 1995-
• Beneficiaries- Members on attaining the age of 58 years and having
rendered minimum ten years’ contributory service
• Benefits to the members and their families-
• Monthly member pension, Disablement pension, Widow / widower pension,
Children pension, Orphan pension, Disabled Children / Orphan Pension,
Nominee pension, Pension to dependent parents, Withdrawal benefit
• Contribution- The Scheme is financed by diverting employers share of PF
contribution @ 8.33% of wage to the pension fund.
• The Central govt. also contributes to the pension fund @ 1.16% of the wage.
27. National pension scheme, 2004
• Under Pension fund regulatory development authority
• for all citizens (18-60 years) of the country including the
unorganised sector workers on voluntary basis.
• the subscriber has to open an account with his/her nodal office
and get a Permanent Retirement Account Number (PRAN).
• Fund management fee are 0.0102% for Government
employees and 0.25% of the invested amount for private
sector.
28. Unorganized sector
• consist of those working in the unorganised enterprises or
households, excluding regular workers with social security
benefits, and the workers in the formal sector without any
employment/ social security benefits provided by the
employers
• Four categories:
• Occupation
• Nature of employment
• Specially distressed categories
• Service categories
29. • The existing social security arrangements in the unorganised
sector can be broadly classified into four groups as follows:
• Centrally funded social assistance programmes;
• Social insurance schemes;
• Social assistance through welfare funds of Central and State Governments;
and
• Public initiatives.
30. Centrally Funded Social Assistance
Programmes
• schemes for both rural and urban areas under the
• National Social Assistance Programme (NSAP)
• which has three components viz., National Old Age
Pension Scheme (NOAPS),
• Indira Gandhi National Widow Pension Scheme (IGNWPS),
• National Family Benefit Scheme (NFBS) &
• National Maternity Benefit Scheme (NMBS).
31. • NOAPS-
• Beneficiaries- destitute old age persons having little or no
regular means of subsistence from his/her own source of
income or
• through financial support from the family members or other
sources
• Benefit- eligible to get old age pension @Rs.75 per month.
32. • NFBS-
• In case of natural or accidental death
• Beneficiaries- family members in case of death of a primary
bread winner member of the household (BPL), in age group of
18 to 65
• Benefit- a sum of Rs.10,000/- is paid to the family of the
deceased
33. • NMBS-
• Benefit- cash assistance of Rs.500
• Beneficiaries- provided to the women of household below
poverty line and 19 years of age and above, upto the first two
live births.
34. • Employment Assurance Scheme (EAS),
1993 –
• Benefit- creates additional wage employment opportunities
• at the time of acute shortage of wage employment through
manual work
• Funding- centrally sponsored scheme
• cost sharing basis between the centre and states in the ratio of
75:25.
35. Social Insurance Schemes for
unorganized sector
• Operated through the LIC such as Social Security Group Insurance Scheme
• Beneficiaries- All persons in the age group of 18 to 60 years belonging
to the 24 approved occupation groups
• Contribution- The premium Rs.10 per thousand sum assured, of which
50% - Social Security Fund and rest 50%- beneficiaries or the nodal
agency.
• Benefit- payment of Rs.25,000 in case of death or permanent total
disability or loss of limbs and Rs.12,500 in case of loss of one eye or one
limb in an accident.
36. • Krishi Shramik Samajik Suraksha Yojana,
2001-
• Beneficiaries- 20,000 agricultural labourers (18-50 years age) from
each of the selected 50 blocks/districts, taking at least one from each state
over a period of three years.
• Benefits- life-cum-accident insurance, money-back and the
superannuation benefits.
37. Mahatma Gandhi National Rural
Employment scheme(MGNREGA),2005
• Under labour law
• Guarantees right to work
• Benefit-
• livelihood security in rural areas
• by providing at least 100 days of wage employment in a financial year to
every household
• whose adult members volunteer to do unskilled manual work.
• Implemented by gram panchayats
38. • Aam Aadmi Bima Yojana, 2007 (Ministry of
Finance)-
• Beneficiaries- provides death and disability cover to rural landless
households between age 18-59 years
• head of the family or one earning member in the family will be
insured.
• Benefit- insurance cover of Rs.30,000 in case of natural death;
• Rs.75,000 in case of death due to accident or total permanent disability
• Rs 37,500 in case of partial permanent disability
• scholarship upto a maximum of two children of beneficiary studying in 9th
to 12th Standard at the rate of Rs.300/- per quarter per child.
39. Rashtriya Swasthya Bima Yojana, 2007
(Ministry of Labour & Employment )
• Beneficiaries- for BPL families ( a unit of five) in Unorganized Sector
• Benefits- smart card based cashless health insurance cover of Rs.30,000
per family per annum
• Coverage of all pre-existing diseases.
• Coverage of hospitalization expenses, including maternity benefit
• Payment of transportation cost of Rs.100/per visit
• Contribution- state government pays 25% of the premium while the rest
75% is paid by the Central Government
40. • RSBY has been extended to
• building and other construction workers registered under the Building and
other Construction Workers (Regulation of Employment and Condition of
Service) Act, 1996 and
• street vendors,
• beedi workers,
•
• domestic workers and
• MGNREGA beneficiaries who have worked for more than 15 days during
the preceding financial year and
• domestic workers
41. Indira Gandhi National Old Age Pension
Scheme(OGAOAPS), 2007
(Ministry of Rural Development for old age
protection )
• Beneficiaries- all citizens above the age of 60 years and living BPL.
• Benefit-
• Rs 550/- P.M. ( 60yrs to 79 yrs)
• (Central Share=200/- + State Share =350/-)
• Rs 1000/- P.M. ( 80 yrs and above)
• Central Share=500/- + State Share =500/-
42. New Initiative
• Convergence of three major Social Security Schemes for
Unorganized Workers
• on a single smart card platform based on a single unified data
base.
• Rashtriya Swasthya Bima Yojana (RSBY), Aam Aadmi Bima
Yojana (AABY) and Indira Gandhi Old Age Pension Scheme
(IGNOPAS)
• implemented on pilot basis in 20 districts across the country
43. Swavalamban, 2010
• co-contributory pension scheme
• to lower the cost of operations of the New Pension Scheme by
central government
• Contribution- The Government of India contributes a sum of
Rs.1,000/- to each eligible NPS subscribers who contributes a
minimum of Rs.1,000/- and maximum of Rs.12,000/- per
annum
• Limitation- Coverage under Swavalamban Scheme is
inadequate mainly due to lack of guaranteed pension benefits
at the age of 60.
44. Atal Pension Yojana (APY), 2015
• Unorganised sector- National Pension System (NPS).
• Beneficiaries- 18-40 years with bank account
• Benefit- Pension: Rs. 1000 to Rs. 5000
• Contribution- Government co-contribute 50% of the total contribution
or Rs. 1000 per annum, whichever is lower, to eligible subscribers
45. Welfare Funds
• through the Ministry of Labour
• Five Welfare Funds
• Beedi workers, Limestone & Dolomite Mine workers, Iron
ore, Chrome ore & Manganese ore Mine workers, Mica Mine
workers & Cine workers.
• welfare amenities to the workers- in the field of health care,
housing, educational assistance for children, drinking water
supply etc.
46. New schemes
• Pradhan Mantri Suraksha Bima Yojana
(PMSBY), 2015-
• Accident insurance scheme
• Benefit- Accidental death and disability cover on account of an accident
• One year cover, renewable from year to year
• Offered through- Public Sector General Insurance companies in tie up
with Banks
• Beneficiaries- 18-70 years age, savings account holder in
participating bank
47. Table of benefits Sum insured
a. On death 2 lakhs
b. Total and irrecoverable loss
of both eyes/ loss of use of
both hands /feet/ loss of
sight of one eye and loss of
use of hand/foot
2 lakhs
c. Total and irrecoverable loss
of sight of one eye or loss
of use of one hand/ foot
1 lakh
• Premium payable is Rs 12/- per annum per member, deducted
from account holders’ savings bank account.
48. • Pradhan Mantri Jeevan Jyoti Bima Yojana,
2015-
• life insurance cover for death due to any reason
• Offered through: LIC and other Life Insurance companies in tie ups
with Banks for this purpose
• Scope: All savings bank account holders in the age 18 to 50 years in
participating banks will be entitled to join.
• Benefits: Rs.2 lakhs is payable on member’s death due to any reason
• Premium: Rs.330/- per annum per member
49. • Pradhan Mantri Jan Dhan Yojana, 2014-
• National Mission for Financial Inclusion to ensure access to financial
services
• Ministry of Finance
• Account can be opened in any bank branch or Business Correspondent
(Bank Mitr) outlet.
• PMJDY accounts are being opened with Zero balance
• Benefits- Interest on deposit.
• Accidental insurance cover of Rs.1.00 lac
• Life insurance cover of Rs.30,000/-
• Easy Transfer of money across India
• Access to Pension, insurance products.
• Accidental Insurance Cover, Overdraft facility upto Rs.5000/- is available in only
one account per household, preferably lady of the household.
50. Social Security for Persons with
Disabilities in India
• census 2011: population of disabled is 2.68 crore.
• For organized sector- disability pension under the
Employees’ provident Funds and Miscellaneous Provisions
Act 1952,
• medical and maternity benefits under Employees’ State
Insurance Act 1948,
• benefits under the Workmen’s Compensation Act 1923
• Limitation- They are operative only in the case of disability
during the course of employment.
51. • Indira Gandhi National Disability Pension
Scheme, 2009-
• Directorate of Social Security and Disability
• Beneficiary- The age must be between 18-79 years.
• Must belong to a household below the poverty line.
• Must be suffering from multiple or severe disabilities.
• Disability certificate mandatory
• Benefits- Rs.300 per month to the beneficiary
• The Gram Panchayats / Municipalities identify the beneficiaries under the
scheme.
• Contribution- central Share=300/- + State Share =450/-
52. State Government schemes
• State Pension Schemes (100%)
• Old age pension scheme-
• Benefit- Rs 550/- pm (60-79 year) Rs 1000/- pm(>80 year)
• Beneficiary- Age>60 year
• Income not> 35000 per annum
• No income criteria for >80
• Disability Relief Allowance-
• Benefit- Rs 550/- P.M.(to 40%-69% disability) Rs 750/- P.M.(to 70%-& above )
• Beneficiary- Disability 40% to 69% , Family income should not exceed
35,000/- per annum, disability 70% or above there is no income criteria
53. • Widow Pension Scheme
• Benefit- Rs 550/- pm
• Beneficiary- Family income should not exceed 35,000/- per annum.
• Rehabilitation Allowance to lepers
• Benefit- Rs 550/- P.M.
• Beneficiary- Patients of Leprosy under treatment with Health & Family Welfare
Department , Should not be employees of Govt./Semi Govt./Boards/Corporations
etc.
54. • Central + State Pension Schemes
• Indira Gandhi National Old Age Pension Scheme
(IGNOAPS)
• Indira Gandhi National Widow Pension Scheme
(IGNWPS)
• Benefit- Rs 550/- P.M.
• Contribution- Central Share=300/- + State Share =250/-
• Beneficiary- Age 40-79 years, Applicant should be a member of BPL
• Indira Gandhi National Disabled pension Scheme
(IGNDPS)
55. • Annapurna Scheme-
• Benefit- 10 kg food grains through F&S Department
• Beneficiary- Applicant should be a member of BPL family and should not getting
Old age Pension,
• Age 65 years and above
• Central assistance (100%)
56. • State Disability Pension
• Department of Social Justice and Empowerment of Himachal
Pradesh.
• Benefit- Himachal Pradesh Social Security Pension in the form of Rs 400/pm
• Beneficiary- Person with 40 % of disability and above
• Annual income of the adult with disability from all sources should not be
more than Rs 9000/- or family income including all sources shouldn’t be
more than Rs 15000/-
• Disability certificate
57. • Integrated Scheme for Persons with
Disabilities-
• Marriage grant for persons with disability
• Disability between 40% - 74% -- Rs. 8000 , Disability 75% & above --
Rs.15000
• Early detection of disabilities is provided through regular screening of
children.
Social Security Benefits in India are Need-based i.e. the component of social assistance is more important in the publicly-managed schemes- In the Indian context, Social Security is a comprehensive approach designed to prevent deprivation, assure the individual of a basic minimum income for himself and his dependents and to protect the individual from any uncertainties.
have access to insurance policies
the health insurance coverage is enjoyed mainly by a section of economically better off households, and majority of poor in India cannot afford it.
Social Security Laws in India at present can be broadly divided into two categories,
the contributory and the non-contributory. contributory laws are those which provide for financing of the social security programmes by contributions paid by workers and employers and in some cases supplemented by contributions/grants from the Government
oldest of the social security legislations intended for the welfare of workers.
M.C.H. Services v Specialists consultation facilities both at dispensary, polyclinic and hospital v level including X-Ray, ECG and Laboratory Examinations. v Hospitalization. v Organization for the purchase, storage, distribution and supply of medicines v and other requirements. v Health Education to beneficiaries.
provision for pre-natal confinement and post-natal care free of charge failing which employer is liable to pay medical bonus of Rs.250/-.
Gratuity- sum of money customarily tendered in addition to basic price, to certain service sector workers for services performed or anticipated
Superannuation- type of retirement plan set up by a company for the benefit of its employees.
The basic rate of provident fund contribution is 10% of basic wage/salary and the higher rate is 12%.
The employees are not required to make any contribution
; linked to the average balance in the provident fund account of the deceased member
the pension scheme is compulsory for all members of the family pension scheme, 1971.
for creation of infrastructure by the rural poor living below the poverty line.
is an Act of Parliament concerning Indian labour law that sets the minimum wages that must be paid to skilled and unskilled labours.
important and comprehensive scheme
Lack of awareness, problems in constituting workers into groups to take advantage of the scheme, non-availability of incentives to the agencies at the grass root level to organize the workers etc. are some of the reasons of low coverage under the scheme
Government of India has approved a proposal for
The scheme is likely to benefit around 70 Lakh workers from the unorganized sector by the year 2016-17
Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
There are no programmes for old age and survivor benefits in the case of the disabled who cannot be employed or the disabled person who are not employed even after crossing the employable age.
This is a joint contribution of both state as well as Indira Gandhi National Disability Pension scheme.