SlideShare a Scribd company logo
1 of 97
By: 
-Vishnu Das 
Govt. Medical college 
JAGDALPUR.
Definition: 
According to I.L.O, “Social security is the protection which 
society provides for its members through a series of public 
measure, against the economic and social distress that 
otherwise would be caused by the substantial stoppage of 
earning resulting from :- 
sickness 
 maternity 
injury 
unemployment 
old age and 
death.
Purpose of social security 
 To give individuals and families the confidence that their level of 
living and quality of life will not erode by social or economic 
eventuality. 
 To provide medical care and income security against the 
consequences of defined contingencies 
To facilitate the victims physical and vocational rehabilitation 
To prevent or reduce ill health and accidents in the occupations 
To protect against unemployment by maintenance and promotion 
of job creation 
To provide benefit for the maintenance of any children.
Objectives: 
COMPENSATION 
RESTORATION 
PREVENTION
Approaches: 
Social assistance: 
 A method to provide benefits as of right to persons, 
usually of small means in amounts sufficient to meet a 
minimum standards of living from general revenues of 
the state. 
 Characteristics feature of this is the beneficiaries do not 
make any contribution towards various benefits which 
are made available to them. 
 It is a “Non-contributory benefits” towards the 
maintenance of vulnerable groups such as children, 
mothers, aged peoples, disabled etc.
Social Insurance 
•A method to provide benefits as a matter of right for 
persons of small earnings, in amounts which combine 
the contributions of the beneficiaries with subsidies 
from the employer and the state 
•Characteristics feature of this is the beneficiaries, 
employers and the Government make contributions to-wards 
the creation of common pool, out of which benefits 
are paid to the members in the event of any contingencies. 
•Suitable where the class of workers to be covered is 
sufficiently well organized, legally regulated and 
financially stable.
Social Assistance : 
A method to provide benefits 
as of right to persons usually of 
small means in amounts 
sufficient to meet a minimum 
standards of living from 
general revenues of the state. 
Non contributory 
Social insurance : 
A method to provide benefits as a 
matter of right for persons of small 
earnings, in amounts which 
combine the contributions of the 
beneficiaries with subsidies from 
the employer and the state. 
Contributory
Cannot be claimed as a 
matter of right (Provided) 
Can be claimed as a matter 
of right 
For the vulnerable groups 
of the community 
(children, mothers, 
invalids, aged people, 
disabled) 
For the well-organized, 
legally regulated, financially 
stable community.
Contingencies of Social Security: 
Medical Care 
Sickness Benefit 
Unemployment Benefit 
Old Age Benefit 
Employment Injury 
Benefit 
Family Benefit 
Maternity Benefit
History of social security 
Δ. FIRST PHASE: 
A study on social security (ILO 1984) describes three 
stages in its modern evolution according to this view, the 
initial response was “paternalistic private charity and 
poor relief was provided to the indigent”, but harsh 
conditions and stigma made this form of provision 
politically unacceptable 
ΔSECOND PHASE:: 
As a reaction of first phase , in the second phase 
insurance schemes were developed based on 
compulsory premium that entitled the participants to 
pensions and sick pays.
In time these programs were expended to include 
wider coverage and contingencies 
Δ .THIRD PHASE: 
In this phase the concept of “prevention and 
universality “were introduced with the aim of 
maintaining and enhancing the quality of life. 
(REFERENCE FROM:ILO 1984,p. 17)
Social Security Schemes in 
India: 
Preventive Schemes 
Promotional Schemes 
Protective Schemes
PREVENTIVE SCHEMES 
Preventive Schemes are the Schemes aimed at 
risk prevention. In the strategy of social 
management of risks, preventive approach 
tries to prevent poverty and helps people 
under below poverty line to come above 
poverty line. Preventive health care, 
vaccinations against diseases forms part of 
the preventive strategies. Majority of the 
schemes are of social assistance in nature.
Promotional Schemes 
Promotional social security schemes are mainly of Social 
Assistance type, where to guarantee minimum standards of 
living to vulnerable groups of population, the 
Governments at the State and Center draft schemes 
financed from the general revenues of the Government. 
These are the strategies of risk mitigation. These 
guarantee: 
Food and Nutritional Security 
Employment security 
Health Security 
Education Security 
Women Security
Examples of schemes in the Promotional Social 
Security 
Food for work 
Jawahar Rojgar Yojana 
Antyodaya 
Rural Landless Labourers Employment Guarantee 
Schemes 
Programmes of Integrated Rural Development Project 
Sakshara Bharath 
Integrated Child Development Scheme (ICDS) 
Public Distribution System 
Reservations for the disabled in services 
Special educational institutions for the disabled 
persons etc.
ICDS:
Protective Social Security Programmes 
The protective social security programmes help the poor in 
removing/reducing contingent poverty. In India, the 
protective social security programmes have been designed 
to address the contingent poverty or the contingencies 
defined by the ILO. 
Old-age income needs 
Survival benefits 
Medical need of insured families 
Widow and children/dependant economic needs 
Maternity benefits 
Compensation for loss of employment and 
Work injury benefits
schemes for 
working class in 
the 
“organized 
sector “
 Employee’s State Insurance (ESI) Act 
1948 
 Employee’s Provident Fund (EPF) Act 
1952 
Workmen’s Compensation Act 1923 
Maternity Benefit Act 1961 
Payment of Gratuity Act 1972
1. Employees’ State Insurance (ESI) 
Beneficiaries: 
 Small factories employing 10 or more employees 
whether power is used in the process of manufacture or 
not. 
 Shops 
 Hotel and restaurants 
 Cinema halls and theatres 
 Road motor transport establishments 
 Newspaper establishments 
 And some private medical and educational institutions 
employing 20 or more persons in some state. 
 This act covers all employees –manual ,clerical 
,supervisory and technical getting up to Rs.15,000 per 
month or above.
Administration: 
Administration of ESI scheme is entrusted under an 
autonomous body called “ESI COOPERATION”. 
 Headed by union minister for labour. 
 Consists of members representing central and state 
government, employers and employees organizations, 
medical professionals and parliament.
Contribution : 
- Employees : 1.75% of wages. 
-Employers : 4.75% of total wage bill. 
*employees getting wages below Rs. 70/day*, are exempted 
from payment of contributions. 
Benefits: 
- Full and comprehensive healthcare and medical 
benefits for insured workers and their families. 
- Payment of the full average wage for 12 weeks for 
confinement /miscarriage, or sickness arising out of 
pregnancy. 
- Payment of funeral expenses in cash on death of 
insured person (not exceeding Rs.5000)
 In case of death as a result of employment injury ,the 
dependents of the insured person are eligible for periodical 
payments. Pensions @ 70 % of the wages is payable 
 Cash payment ,besides free medical treatment ,in the event 
of temporary or permanent disablement as a result of 
employment or occupational diseases.(@ 70% of wages) 
 Sickness benefits ,maximum payable up to 91 days, in any 
continuous period of 365 days, the daily rate being about 
50% of daily wages.
*Extended sickness benefits: 
 In addition to 91 days of sickness benefits ,insured 
persons suffering from certain long term diseases are 
entitled to extent the sickness benefit for a maximum 
period of 2 years . 
 34 such extended sickness benefit diseases are payable 
like: 
Infectious diseases 
Neoplasm 
Endocrine disorders 
Disorders of nervous system 
Disorders of cardiovascular system etc.
The extensive coverage of the scheme: 
- 6.79 million workers (2.2% of Indian workers) in 
170,000 companies/ organizations. 
- 30 million persons (less than 3% of the total 
population) as included family members 
- Maharashtra, West Bengal and Uttar Pradesh in the 
highest numbers of insured persons reaching over 1 
million.
•Comprehensive medical care 
- one-eighth of costs provided through the respective 
states 
- cash benefits (reimbursements) are administered by 
the ESI corporation: 
1. - through the scheme’s own, hospitals and 
dispensaries 
2. - through reservation of beds in other hospitals 
3. - staffed by competent professionals 
4. - appreciated by non-regular workers such as causal 
& contract workers
 Limitation and difficulties 
- level and quality of medical care 
- the dual administrative control of the state 
government and corporation 
- lack of good healthcare infrastructure 
- lower enrolment (150,000 additional workers 
per year) but higher requirement of setting up 
new infrastructure
Rajiv Gandhi shramik kalyan 
yojana: 
 ESI cooperation has launched a new yojana for 
workers/ employees covered under ESI scheme. 
 Unemployment allowance for those who where 
rendered unemployed involuntary due to 
reattachment or closure of factory or establishment. 
 Criteria: the employee must have contributed under 
the scheme for at least five years . 
 Benefit: allowance for 6 months in the form of 
complete payment.
2.Employees’ Provident Fund 
(EPF): 
- 
 Provident fund is a scheme by the Government of 
India by which: 
* A fixed percentage is deducted from the persons 
salary and 
* A fixed percentage added by the 
company /establishment. 
This amount is kept in an account, which 
accumulates and is then received back after 
retirement.
 a family pension and a deposit-linked insurance 
 retirement pension benefits to the workers and his/her 
family 
 survival benefits in case of death during service [a 
maximum of Rs.25,000 is paid] 
 covering companies employing over 20 workers
 the minimum service for eligibility is 10 years and 
pensionable service of 33 years [50% of the last wages 
are paid] 
 permitting withdrawal for purposes of life insurance 
policies, house building, medical treatment, marriage, 
higher education, etc
 Coverage 
- approx 20 million workers (6.4% of the working 
population) in about 2,64,000 establishments are 
enrolled by the different employment sector: 
• 51% of enrollees in the manufacturing industries 
• over 20% of enrollees in the mining and quarrying 
• 5.7% of subscribers in agricultural and allied fields 
• 10.4% of subscribers in the unorganised sector 
- 42% of the total membership are in the three states of 
Maharashtra, Tamil Nadu, and West Bengal
 The existing provisions of Defined Benefit 
Pension and GPF would not be available to the 
new recruits in the central Government service, 
i.e. to the Government servants joining 
Government service on or after 1-1-2004. 
( from the official site for :ministry of labour)
3.Workmen’s Compensation 
 Scheme 
- covering workers in factories, mines, plantations, 
railways, and other scheduled employments 
- providing compensation to workmen or their survivors 
in case of injuries, death, and occupational diseases 
sustained during employment service 
- the compensation amounts is paid to workers 
according to the damage :
 In case of death :40% of monthly wage ,multiplied by 
relevant factor or Rs. 20,000; whichever is more. 
 In case of total permanent disablement :50% of monthly 
wages or Rs.24,000; whichever is more. 
 In case of partial disablement the compensation is a % of 
that payable in the case of total permanent disablement 
and is determined by a qualified medical practitioner. 
 In case of temporary disablement 25% of the wages can be 
paid half a monthly.
LIST OF INJURIES DEEMED TO RESULT IN PERMANENT TOTAL 
DISABLEMENT 
Description of Injury 
Percentage of loss of 
earning 
1.Loss of both hands or amputation at higher 
sites 
 2. Loss of a hand and a foot 
 3. Double amputation through leg or thigh, or 
amputation 
through leg or thigh on one side and loss of 
other foot 
 4. Loss of sight to such an extent as to render 
the claimant 
unable to perform any work for which eye-sight 
is essential. 
 5. Very severe facial disfigurement 
 6. Absolute deafness 
 100%
LIST OF INJURIES DEEMED TO RESULT IN PERMANENT PARTIAL 
DISABLEMENT 
Description of Injury 
Percentage of loss 
of earning 
 Amputation through shoulder joint 
 Amputation below shoulder with stump 
less than [20.32 Cms.] from tip of 
acromion 
 Amputation form [20.32 Cms.] from tip 
of acromion to less than [11.43 Cms.] 
below tip of olecranon 
 Loss of a hand or of the thumb and four 
fingers of one hand or amputation 
from[11.43 Cms.] below tip of colcannon 
 Loss of thumb 
 90 
 80 
 70 
 60 
 30
4. Payment of Gratuity 
-Gratuity is a lump sum amount that your employer 
pays you when you retire or resign from the 
organization. An Employee does not contribute any 
portion of his salary towards this amount. 
-Applicable to various establishments employing over 
10 workers 
-Eligible to those who have paid a minimum 
continuous service of 5 years.
Formula Used : 
Gratuity Calculation 
In India = 
[ (Basic Pay + D.A) x 15 days x No. of years of service ] 
26 
 Where, D.A = Dearness Allowance.
5. Maternity Benefit 
 Scheme 
- providing payment of wages for up to 12 weeks for full-time 
- (ie,6 weeks prior the date of delivery and 6 weeks after) 
- covers o.5% of women workers nationwide. 
- some states have introduced special schemes for 
extending maternity benefit to landless agricultural 
workers.
 In case of miscarriage or MTP on production of proof , 
a woman is entitled to leave with wages for a period of 
6 weeks immediately after the day of miscarriage or 
abortion. 
 Provision of leave with wages for tubectomy operation 
for a period of 2 weeks . 
 In case of any diseases or any complication arising out 
of pregnancy , the lady is allowed to take leave with 
full wages for 1 month ,provided she submits proper 
documents related.
Some other benefits: 
Central Government Health Scheme 
(CGHS) 
 Established on 1-7-1954 with the objectives of providing 
comprehensive medical care facilities to the central 
Government employees and their family members and to 
avoid cumbersome system of medical reimbursement 
 Facilities provided under CGHS through: Dispensaries, poly 
clinics and Government / recognized hospitals.
National Social Assistance Programme 
 National Old Age Pension Scheme 
since 1995 
 National Maternity Benefit Scheme 
since 1996 
 National Family Benefit Scheme
1.National Old Age Pension 
Scheme 
- Granting monthly pensions to the aged over 
65 years, those without subsistence income 
or family support. 
- paid by the central government under the 
NSAP (national social assistance 
progamme)Pension amount 
The pension amount, as of Union Budget 
2012-13 is Rs.200 per month per person 
from 60 – 79 years and Rs.500 per month 
per person for those 80 years and above and 
states are supposed to contribute an equal 
amount to the scheme.
- -widows are entitled to a pension for one year; during 
the period, skill development for self-employment is 
encouraged 
- physically disabled are eligible for the monthly pension 
if above the age of 45 years, along with receiving free 
education, lodging, and boarding facilities in state-run 
institutions
 Limitations 
- the amount of pension is considered too low to 
ensure the minimum subsistence level 
- the number of beneficiaries is restricted by state 
budgetary limitations and central guidelines
Name of the State 
Current amount of pension 
(Rs per month) 
 Andhra Pradesh 
 Arunachal Pradesh 
 Assam * 
 Bihar 
 Gujarat 
 Haryana 
 Himachal Pradesh 
 Jammu & Kashmir 
 Karnataka 
 Kerala 
 Madhya Pradesh 
 Maharashtra 
 Mizoram 
 Orissa 
 Punjab 
 75 
 150 
 60* 
 100 
 200 
 100 
 125 
 100 
 110 
 150 
 100 
 100 
 100 
 200
 Tamil Nadu 
 Uttar Pradesh 
 Chhattisgarh 
 West Bengal ** 
 Chandigarh 
 Delhi 
 150 
 125 
 200 
 300** 
 200 
 200
2.National Maternity 
Benefit Scheme 
- women in all households below the poverty line are 
eligible for maternity benefits, cashing an amount of 
Rs.500 for the first and second deliveries respectively 
- Stipulating a minimum age of 19 years [around 3% of 
babies born of girls aged between 15-19 years] 
- the maternity assistance amount in Chhattisgarh is 
Rs.500 & in Andhra Pradesh is Rs.900, payable in four 
installments,
3.National Family Benefit Scheme 
Funding Pattern : 100% funded by the Central 
government 
- given in the form of lump sum family benefit for 
households below the poverty line on the death of the 
primary breadwinner in the bereaved family. The 
amount of benefit is Rs.10000/- in case of death of 
primary breadwinner due to natural or accidental 
causes.
Social insurance schemes: 
Government Sponsored Socially Oriented Insurance 
Schemes 
 Aam Aadmi Bima Yojana(AABY) 
 Janashree Bima Yojana 
 Shiksha Sahayog Yojana (SSY) 
 Micro-Insurance Products 
 Varishtha Pension Bima Yojana (VPBY) 
 Universal Health Insurance Scheme (UHIS) 
 National Agricultural Insurance Scheme (NAIS) 
 Pilot Modified National Agricultural Insurance Scheme 
(MNAIS) 
 Pilot Weather based Crop Insurance Scheme (WBCIS)
Shiksha Sahayog Yojana (SSY) 
 The scheme was launched on 31st December, 2001. 
 Scholarship as a free add-on benefit is provided under both 
Janashree Bima Yojana and Aam Admi Bima Yojana to 
maximum of two children of the beneficiary studying 
between 9th to 12th standard (including ITI courses) @ Rs. 
100 per month for each child payable half yearly on 1st July 
and 1st January, every year. 
 The benefit is without any additional premium. 
 Fund has been set up by Govt. of India called "Aam Admi 
Bima Yojana Scholarship Fund. Fund is maintained by LIC 
of India.
Micro-Insurance Products 
 JeevanMadhur" a simple savings related life insurance plan for 
low income persons was launched in 2006. On surviving to the 
date of maturity, sum assured is paid alongwith vested bonus if 
any. 
 On death of the policy holder, death benefit amount equal to the 
total premiums payable during the entire term of the policy will 
be paid alongwith vested bonus if any. 
 JeevanMangal", LIC's second Micro Insurance product, was 
launched in 2009. It is a term insurance plan with return of 
premiums paid on maturity, provided the policy is in force. On 
death during the term of the policy, the sum assured under the 
basic plan is payable, provided the policy is in force.
Varishtha Pension Bima Yojana (VPBY) 
 VPBY meant for senior citizens aged 55 years and 
above was launched on 14.7.2003. Under the scheme 
the pensioner gets an effective yield of 9% per annum 
on the investment.
Universal Health Insurance Scheme 
(UHIS) 
 The four public sector general insurance companies have 
been implementing Universal Health Insurance Scheme for 
improving the access of health care to poor families. 
 provides for reimbursement of medical expenses upto 
Rs.30,000/- towards hospitalization floated amongst the 
entire family, death cover due to an accident @ Rs.25,000/- 
to the earning head of the family. 
 compensation due to loss of earning of the earning 
member @ Rs.50/- per day upto maximum of 15 days
 The premium subsidy has been enhanced from Rs.100 
to Rs.200 for an individual, Rs.300 for a family of five 
and Rs.400 for a family of seven, without any reduction 
in benefits.
National Agricultural Insurance Schème 
(NAIS) 
 The Government of India introduced the scheme from Rabi 
1999-2000 season to protect the farmers against losses suffered 
by them due to crop failure on account of natural calamities. 
 implemented by Agriculture Insurance Company of India 
(AICIL). The scheme is available to all the farmers, loanee and 
non-loanee, irrespective of size of their holding. 
 covers all food crops (cereals, millets and pulses) and oil seeds 
and Annual commercial/ horticultural crops 
 10% subsidy on premium is available to small & marginal 
farmers. NAIS is presently being implemented in 24 States and 2 
Union Territories except in States of Punjab & Arunachal 
Pradesh.
unorganised sector 
organised sector
Unorganised sector worker: 
 Means a person who works for wages or income: 
directly or through an agency or contractor; or who 
works on his own/her own account or is self employed 
; in any place of work including his/her home ,field or 
any public space and who is not availing the benefits 
under ESIC ACT and P.F ACT
 Parliament of India has enacted “unorganised sector 
workers social security act 2005”. 
 National social security board for unorganised sector 
have been constituted by the central government to 
exercise the powers confined on and to perform the 
functions assigned to. Headed by union minister for 
lab our and employment.
Programmes: 
 Indira gandhi national old age pension scheme 
 National family benefit scheme. 
 Jannani suraksha yojana 
 Handloom weavers comprehensive welfare scheme. 
 Handicraft artisans comprehensive welfare scheme. 
 Pension to master craft persons 
 National scheme for welfare of fisherman and training and 
extension 
 Janshree bima yojana 
 Aam aadmi bima yojana. 
 Rashtriya swastiya bima yojana.
Janani suraksha yojana 
 It was launched on 12th April 2005. 
 Objectives of this scheme were reducing maternal mortality and 
infant mortality through encour-aging delivery at health institu-tions 
& focusing at institutional care among women in below 
pov-erty line families. 
 100 percent centrally spon-sored scheme & it integrates the 
benefit of cash assistance with in-stitutional care during ante 
natal, natal and immediate post-partum care.
Handlooms Weavers 
Comprehensive Welfare Scheme 
 Sponsored by : Both Central & State Government. 
 The Health Insurance Scheme aims at financially 
enabling the weaver community to access the best of 
healthcare facilities in the country. The scheme is to 
cover not only the weaver but his wife and children, to 
cover all pre-existing diseases as well as new diseases . 
The ancillary Handlooms workers like those engaged 
in warping, winding, dyeing, printing, finishing, sizing, 
Jhala making, Jacquard cutting etc. are also eligible to 
be covered.
Handicraft artisans' comprehensive 
welfare scheme 
 Aims at financially enabling the artisans’ community to 
access to the best of healthcare facilities in the 
country. This scheme covers not only the artisans but his 
wife and children . 
 ELIGIBILITY TO GET THE COVERAGE 
All Craft persons whether male or female, between the age 
group of one day to 80 years will be eligible.
 
 FUNDING PATTERN 
i. Contribution by the Govt. of India : 
Rs.697/- or Rs. 797/- per annum 
ii. Contribution by the handicrafts artisans : 
Rs.200/- or Rs. 100/-per annum 
Total premium : 
Rs. 897/- per annum
Pension to master craft persons 
 Development Commissioner (Handicrafts) extends 
financial assistance to senior master craft persons 
above 60 years of age who are recipients of National 
Awards/ National Merit Certificate or State Awards in 
Handicrafts. 
 This provision helps the old artisans to survive with 
the pension benefit and be able to disseminate their 
knowledge to the younger generation. 
 Also, this encourages new young artisans to practice 
handicrafts and devote their fulltime with an assurance 
of pensionary benefit.
National scheme on welfare of 
fishermen 
 Centrally Sponsored Scheme 
*objective of the scheme are: 
a)to provide basic amenities like housing, drinking water, 
community hall etc. for fishers 
b)to facilitate better living standards for fishers and their 
families 
c)to uplift social and economic securities for active fishers 
and their dependents and 
d)to update knowledge and improving skills of fishers in 
regard to modern fishing technology.
 Scheme is operated with the following four components: 
1) Development of Model Fishermen Villages 
2) Group Accident Insurance for ActiveFishermen 
3) Saving-cum-Relief; and 
4) Training & Extention. 
Funding pattern: 
In case of 1st three component of Schemethe assistance is shared on 50:50 
basis by the Government of India and State Government and in case of 
UT Admn., 100% Assistance is born by the Government of India. 
In case of North Eastern States, the assistance is shared on 75:25 basis 
between the Government of India and the State Government. 
The assistance for Training & Extension is shared on 80:20 basis by the 
Government of India and the State Government and in case of UT 
Administrations/ FISHCOPFED 100% assistance is given by the 
Government of India.
Janashree Bima Yojana 
 The objective of the scheme is to provide life insurance protection 
to the rural and urban poor persons below poverty line and 
marginally above the poverty line. 
 ELIGIBILITY: 
A person who is 
*Aged between 18 and 59 years. 
*Below or marginally above poverty line 
*A member of any of the approved vocation/occupation groups
 NODAL AGENCY: 
A State Government Department which is concerned with the 
welfare of any such vocation/occupation group, a Welfare Fund/ 
Society, Village Panchayat,NGO,Self-Help Group,etc. 
 COVERAGE: 
-45 occupational groups have been covered under this scheme. 
-It includes beediworkers, carpenters, cobblers, fishermen, weavers, persons 
with disability employed in different sectors, sweepers, drivers, anganwadi 
teachers and members of self-help groups would be extended the insurance 
benefits under the scheme. 
 Besides providing a life cover of Rs. 30,000 for natural death, Rs. 75,000 
amount would be paid to the family in case of death due to accidents.
Aam Aadmi Bima Yojana 
 Ministry of Finance, Government of India has approved the 
merger of Social Security Schemes viz., Aam Admi Bima 
Yojana (AABY) and Janashree Bima Yojana (JBY). 
 The merged scheme is renamed “Aam Admi Bima Yojana” 
and has come into effect from 01.01.2013. 
 Eligibility criteria : 
i).The members should be aged between 18 years completed and 59 
years nearer birthday. 
ii) The member should normally be the head of the family or one 
earning member of the below poverty line family (BPL) or 
marginally above the poverty line under identified vocational 
group/rural landless household.
 Nodal agency : In the case of “Rural Households”, the nodal 
agency will mean the State Government/Union Territory 
appointed to administer the Scheme. 
Premium: 
The premium to be charged initially under the scheme will be 
Rs.200/- per annum per member for a cover of Rs.30,000/-, out of 
which 50% will be subsidized from the Social Security Fund . 
In case of Rural Landless Household (RLH) remaining 50 % 
premium shall be borne by the State Government/ Union 
Territory and in case of other occupational group the remaining 
50% premium shall be borne by the Nodal Agency and/or Member 
and/or State Government/ Union Territory
Rashtriya swasthya bima yojana 
 government-run health insurance scheme for 
the Indian poor. It provides for cashless insurance for 
hospitalization in public as well private hospitals. The 
scheme started enrolling on April 1, 2008 and has been 
implemented in 25 states of India. 
 project under the Ministry of Labour and Employment. 
 Every "below poverty line" (BPL) family holding a 
yellow ration card pays Rs. 30 registration fee to get 
a biometric-enabled smart card containing their 
fingerprints and photographs. This enables them to receive 
inpatient medical care of up to Rs.30,000 per family per 
year in any of the empanelled hospitals
 the scheme has won plaudits from theWorld Bank, 
the UN and the ILO as one of the world's best health 
insurance schemes. Germany has shown interest in 
adopting the smart card based model for revamping 
its own social security system, the oldest in the world, 
by replacing its current, expensive, system of voucher 
based benefits for 2.5 million children.
RATION CARD 
 Ration Cards play a vital role in India for Public 
Distribution System. Depending on the economic 
condition, people can purchase essential things such 
as kerosene, sugar and food grains on low cost if they 
are carrying any of these cards.
 Below Poverty Line (BPL) Cards: 
 Indian Government has introduced BPL Card in order 
to provide alleviation for poor people in which only 
poor people of the society are eligible for this type of 
cards. These people can be bifurcated on daily 
livelihood such as flower sellers, card pullers, rickshaw 
pullers, black smith, collies, porters etc. These people 
are identified by the government employees of the 
department and then BPL Card is issued with the 
support of Food and Supplies Department. 
 In order to get this card, a person has to submit an 
application form which has to be duly attested by the 
Village Sarpanch or by Municipal Councilor, two group 
family photographs (passport size) and finally an 
affidavit which has to be duly specified.
 Antyodaya Ration Cards 
 Antyodaya Rations Cards are for the families which are 
the poorest in India and having income which is below 
Rs.250/- (i.e. per capita per month). 
 The AAY scheme was launched in December 2000 for 
the poorest among the BPL families.5 Individuals in 
the following priority groups are entitled to an AAY 
card, including: (i) landless agricultural labourers, (ii) 
marginal farmers, (iii) rural artisans/craftsmen such as 
potters and tanners, (iv) slum dwellers, (v) persons 
earning their livelihood on a daily basis in the informal 
sector such as porters, rickshaw pullers, cobblers, (vi) 
destitute, (vii) households headed by widows or 
terminally ill persons, disabled persons, persons aged 
60 years or more with no assured means of 
subsistence, and (viii) all primitive tribal households.
 This card is being issued along with BPL Card for the 
persons whose income is below Rs. 250/- per month. 
In order to obtain AAY Card, a person needs to submit 
an application form which has to be duly attested by 
the Village Sarpanch or by the Municipal Councilor, 
two group family photographs (passport size) and 
finally an affidavit. After that a ration card is developed 
in Green color for Antyodaya beneficiaries. This card 
holder will get 35 KG of rice for Rs.3/- per Kg.
Key problems 
 Social security policies assumes an homogeneity 
among all the unorganised workers. 
 But the sector is heterogeneous in terms of: 
-Social security needs 
-Ability to contribute 
-Membership and participation 
We can divide the unorganised sector workers into two 
categories:
Ultra poor Poor 
 Inability to meet basic need. 
 Need promotional 
upliftment. 
 Find difficult to contribute to 
social security due to limited 
and insecure livelihood. 
 Fulfilled basic needs . 
 Protective social security 
schemes 
 Ability to contribute towards 
social security is higher.
 Social security :an integral element for poverty alleviation 
among ultra poor. 
 Improving service delivery system to provide basic needs 
 Governance of these institutions needs to be improved in 
terms of participation and accountability 
 New institutions like “SELF HELP GROUPS “ should be 
formed. 
 Implementation of subsidies to provide social protection.
Protective security for Poor 
 What they need is inclusive, participatory , 
transparent ,and effective social security schemes so 
that they do not slip back into poverty. 
 GOVT should plan to increase the employment 
opportunities for people of this strata.
Conclusions 
 About 13% of the working population are covered by the 
statutory social protection : 
- Some 19.5 million government and public sector workers 
- Some 21 million private sector workers 
 These major social security laws do not distinguish between 
organized and unorganised sectors: 
- very few informal economy workers are covered under the 
statutory schemes 
- because there are many difficulties in establishing 
workers-employer relationship and an effective system for 
the collection of contribution
 The statutes explicitly exclude groups of workers such as 
 those working outside the scheduled industries and 
establishments 
 those in smaller enterprises 
 the very substantial category of the self-employed 
(comprising 54% of the workforce) 
 Lack of awareness and unity among the informal economy 
workers to enforce the laws
Bibliography: 
Parks textbook for preventive medicine. 
National health programmes of India. 
-J.kishore’s(9th edition) 
 Official site for Ministry of industries. 
Official site for Ministry of finance. 
National rural health mission website. 
Social security in india:status,issues and ways 
forward,by D.Rajashekhar ,isec Bangalore 
(Institute for Social and Economic Change) 
Life insurance cooperation of India website. 
Available from: URLhttp://www.labour.nic.in
 Social security

More Related Content

What's hot

The factories act, 1948
The factories act, 1948The factories act, 1948
The factories act, 1948
Ranjeet Yadav
 
The employee state insurance act 1948 1
The employee state insurance act 1948 1The employee state insurance act 1948 1
The employee state insurance act 1948 1
najafalam13691
 
Payment of Wages Act 1936
Payment of Wages Act 1936Payment of Wages Act 1936
Payment of Wages Act 1936
Soma Giri
 
Minimum wages act 1948
Minimum wages act 1948Minimum wages act 1948
Minimum wages act 1948
uzmarukhsar88
 

What's hot (20)

Social security legislations ppt
Social security legislations pptSocial security legislations ppt
Social security legislations ppt
 
Employees compensation act, 1923
Employees compensation act, 1923Employees compensation act, 1923
Employees compensation act, 1923
 
The Employees' State Insurance Act, 1948
The Employees' State  Insurance Act, 1948The Employees' State  Insurance Act, 1948
The Employees' State Insurance Act, 1948
 
Benefits under ESI
Benefits under ESIBenefits under ESI
Benefits under ESI
 
Labour welfare
Labour welfareLabour welfare
Labour welfare
 
The factories act, 1948
The factories act, 1948The factories act, 1948
The factories act, 1948
 
Social security
Social securitySocial security
Social security
 
EMPLOYEE STATE INSURANCE ACT 1948
EMPLOYEE STATE INSURANCE ACT 1948EMPLOYEE STATE INSURANCE ACT 1948
EMPLOYEE STATE INSURANCE ACT 1948
 
The Child Labour (Prohibition And Regulation ) Act, 1986
The Child Labour (Prohibition And Regulation ) Act, 1986The Child Labour (Prohibition And Regulation ) Act, 1986
The Child Labour (Prohibition And Regulation ) Act, 1986
 
Workmens compensation act 1923
Workmens compensation act 1923Workmens compensation act 1923
Workmens compensation act 1923
 
Labour legislations
Labour legislations Labour legislations
Labour legislations
 
Labour welfare
Labour welfare Labour welfare
Labour welfare
 
social security legislation
social security legislationsocial security legislation
social security legislation
 
Social security (part 1)
Social security (part 1)Social security (part 1)
Social security (part 1)
 
The employee state insurance act 1948 1
The employee state insurance act 1948 1The employee state insurance act 1948 1
The employee state insurance act 1948 1
 
Factories act, 1948
Factories act, 1948Factories act, 1948
Factories act, 1948
 
PPT on "Labour Laws in India"
PPT on "Labour Laws in India"PPT on "Labour Laws in India"
PPT on "Labour Laws in India"
 
Payment of Wages Act 1936
Payment of Wages Act 1936Payment of Wages Act 1936
Payment of Wages Act 1936
 
Minimum wages act 1948
Minimum wages act 1948Minimum wages act 1948
Minimum wages act 1948
 
Trade union act, 1926
Trade union act, 1926Trade union act, 1926
Trade union act, 1926
 

Similar to Social security

SOCIAL SECURITY ACT IN INDIA
SOCIAL SECURITY ACT IN INDIASOCIAL SECURITY ACT IN INDIA
SOCIAL SECURITY ACT IN INDIA
SMITA RASTOGI
 

Similar to Social security (20)

finalppt-141106142303-conversion-gate02.pdf
finalppt-141106142303-conversion-gate02.pdffinalppt-141106142303-conversion-gate02.pdf
finalppt-141106142303-conversion-gate02.pdf
 
SOCIAL SECURITY ACT IN INDIA
SOCIAL SECURITY ACT IN INDIASOCIAL SECURITY ACT IN INDIA
SOCIAL SECURITY ACT IN INDIA
 
Social security
Social securitySocial security
Social security
 
Health insurance in India- Dr Suraj Chawla
Health insurance in India- Dr Suraj ChawlaHealth insurance in India- Dr Suraj Chawla
Health insurance in India- Dr Suraj Chawla
 
All ACTS of SSLW( NEW) (2) (1).ppt
All ACTS of SSLW( NEW) (2) (1).pptAll ACTS of SSLW( NEW) (2) (1).ppt
All ACTS of SSLW( NEW) (2) (1).ppt
 
Health insurance praseeda
Health insurance praseedaHealth insurance praseeda
Health insurance praseeda
 
Health insurance
Health insuranceHealth insurance
Health insurance
 
5.social health insurance nrs
5.social health insurance nrs5.social health insurance nrs
5.social health insurance nrs
 
Presentation On Introduction Social Security
Presentation On Introduction Social SecurityPresentation On Introduction Social Security
Presentation On Introduction Social Security
 
Socialsecurityschemes in india
Socialsecurityschemes in indiaSocialsecurityschemes in india
Socialsecurityschemes in india
 
Social security schemes
Social security schemesSocial security schemes
Social security schemes
 
Health insurance
Health insuranceHealth insurance
Health insurance
 
Social Security.pptx
Social Security.pptxSocial Security.pptx
Social Security.pptx
 
4.5 Employee haelth welfare social security.pptx
4.5 Employee haelth welfare social security.pptx4.5 Employee haelth welfare social security.pptx
4.5 Employee haelth welfare social security.pptx
 
Health Insurances In India.pptx
Health Insurances In India.pptxHealth Insurances In India.pptx
Health Insurances In India.pptx
 
EMPLOYEE STATE INSURANCE ACT IN COMMUNITY
EMPLOYEE STATE INSURANCE ACT IN COMMUNITYEMPLOYEE STATE INSURANCE ACT IN COMMUNITY
EMPLOYEE STATE INSURANCE ACT IN COMMUNITY
 
social security.pptx
social security.pptxsocial security.pptx
social security.pptx
 
social Insurance concept and its application
social Insurance concept and its applicationsocial Insurance concept and its application
social Insurance concept and its application
 
ESI
ESIESI
ESI
 
Health insurance scheme
Health insurance schemeHealth insurance scheme
Health insurance scheme
 

Recently uploaded

Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose AcademicsHistology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
MedicoseAcademics
 
Failure to thrive in neonates and infants + pediatric case.pptx
Failure to thrive in neonates and infants  + pediatric case.pptxFailure to thrive in neonates and infants  + pediatric case.pptx
Failure to thrive in neonates and infants + pediatric case.pptx
claviclebrown44
 

Recently uploaded (20)

The Clean Living Project Episode 24 - Subconscious
The Clean Living Project Episode 24 - SubconsciousThe Clean Living Project Episode 24 - Subconscious
The Clean Living Project Episode 24 - Subconscious
 
Get the best psychology treatment in Indore at Gokuldas Hospital
Get the best psychology treatment in Indore at Gokuldas HospitalGet the best psychology treatment in Indore at Gokuldas Hospital
Get the best psychology treatment in Indore at Gokuldas Hospital
 
Video capsule endoscopy (VCE ) in children
Video capsule endoscopy (VCE ) in childrenVideo capsule endoscopy (VCE ) in children
Video capsule endoscopy (VCE ) in children
 
VIP Pune 7877925207 WhatsApp: Me All Time Serviℂe Available Day and Night
VIP Pune 7877925207 WhatsApp: Me All Time Serviℂe Available Day and NightVIP Pune 7877925207 WhatsApp: Me All Time Serviℂe Available Day and Night
VIP Pune 7877925207 WhatsApp: Me All Time Serviℂe Available Day and Night
 
Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose AcademicsHistology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
Histology of Epithelium - Dr Muhammad Ali Rabbani - Medicose Academics
 
TEST BANK For Huether and McCance's Understanding Pathophysiology, Canadian 2...
TEST BANK For Huether and McCance's Understanding Pathophysiology, Canadian 2...TEST BANK For Huether and McCance's Understanding Pathophysiology, Canadian 2...
TEST BANK For Huether and McCance's Understanding Pathophysiology, Canadian 2...
 
Cas 28578-16-7 PMK ethyl glycidate ( new PMK powder) best suppler
Cas 28578-16-7 PMK ethyl glycidate ( new PMK powder) best supplerCas 28578-16-7 PMK ethyl glycidate ( new PMK powder) best suppler
Cas 28578-16-7 PMK ethyl glycidate ( new PMK powder) best suppler
 
Making Patient-Centric Immunotherapy a Reality in Lung Cancer: Best Practices...
Making Patient-Centric Immunotherapy a Reality in Lung Cancer: Best Practices...Making Patient-Centric Immunotherapy a Reality in Lung Cancer: Best Practices...
Making Patient-Centric Immunotherapy a Reality in Lung Cancer: Best Practices...
 
Signs It’s Time for Physiotherapy Sessions Prioritizing Wellness
Signs It’s Time for Physiotherapy Sessions Prioritizing WellnessSigns It’s Time for Physiotherapy Sessions Prioritizing Wellness
Signs It’s Time for Physiotherapy Sessions Prioritizing Wellness
 
Results For Love Spell Is Guaranteed In 1 Day +27834335081 [BACK LOST LOVE SP...
Results For Love Spell Is Guaranteed In 1 Day +27834335081 [BACK LOST LOVE SP...Results For Love Spell Is Guaranteed In 1 Day +27834335081 [BACK LOST LOVE SP...
Results For Love Spell Is Guaranteed In 1 Day +27834335081 [BACK LOST LOVE SP...
 
Is Rheumatoid Arthritis a Metabolic Disorder.pptx
Is Rheumatoid Arthritis a Metabolic Disorder.pptxIs Rheumatoid Arthritis a Metabolic Disorder.pptx
Is Rheumatoid Arthritis a Metabolic Disorder.pptx
 
Quality control tests of suppository ...
Quality control tests  of suppository ...Quality control tests  of suppository ...
Quality control tests of suppository ...
 
Sell pmk powder cas 28578-16-7 from pmk supplier Telegram +85297504341
Sell pmk powder cas 28578-16-7 from pmk supplier Telegram +85297504341Sell pmk powder cas 28578-16-7 from pmk supplier Telegram +85297504341
Sell pmk powder cas 28578-16-7 from pmk supplier Telegram +85297504341
 
PYODERMA, IMPETIGO, FOLLICULITIS, FURUNCLES, CARBUNCLES.pdf
PYODERMA, IMPETIGO, FOLLICULITIS, FURUNCLES, CARBUNCLES.pdfPYODERMA, IMPETIGO, FOLLICULITIS, FURUNCLES, CARBUNCLES.pdf
PYODERMA, IMPETIGO, FOLLICULITIS, FURUNCLES, CARBUNCLES.pdf
 
Hemodialysis: Chapter 1, Physiological Principles of Hemodialysis - Dr.Gawad
Hemodialysis: Chapter 1, Physiological Principles of Hemodialysis - Dr.GawadHemodialysis: Chapter 1, Physiological Principles of Hemodialysis - Dr.Gawad
Hemodialysis: Chapter 1, Physiological Principles of Hemodialysis - Dr.Gawad
 
Renal Replacement Therapy in Acute Kidney Injury -time modality -Dr Ayman Se...
Renal Replacement Therapy in Acute Kidney Injury -time  modality -Dr Ayman Se...Renal Replacement Therapy in Acute Kidney Injury -time  modality -Dr Ayman Se...
Renal Replacement Therapy in Acute Kidney Injury -time modality -Dr Ayman Se...
 
Failure to thrive in neonates and infants + pediatric case.pptx
Failure to thrive in neonates and infants  + pediatric case.pptxFailure to thrive in neonates and infants  + pediatric case.pptx
Failure to thrive in neonates and infants + pediatric case.pptx
 
Mgr university bsc nursing adult health previous question paper with answers
Mgr university  bsc nursing adult health previous question paper with answersMgr university  bsc nursing adult health previous question paper with answers
Mgr university bsc nursing adult health previous question paper with answers
 
ROSE CASE SPINAL SBRT BY DR KANHU CHARAN PATRO
ROSE  CASE SPINAL SBRT BY DR KANHU CHARAN PATROROSE  CASE SPINAL SBRT BY DR KANHU CHARAN PATRO
ROSE CASE SPINAL SBRT BY DR KANHU CHARAN PATRO
 
Tips and tricks to pass the cardiovascular station for PACES exam
Tips and tricks to pass the cardiovascular station for PACES examTips and tricks to pass the cardiovascular station for PACES exam
Tips and tricks to pass the cardiovascular station for PACES exam
 

Social security

  • 1. By: -Vishnu Das Govt. Medical college JAGDALPUR.
  • 2. Definition: According to I.L.O, “Social security is the protection which society provides for its members through a series of public measure, against the economic and social distress that otherwise would be caused by the substantial stoppage of earning resulting from :- sickness  maternity injury unemployment old age and death.
  • 3.
  • 4. Purpose of social security  To give individuals and families the confidence that their level of living and quality of life will not erode by social or economic eventuality.  To provide medical care and income security against the consequences of defined contingencies To facilitate the victims physical and vocational rehabilitation To prevent or reduce ill health and accidents in the occupations To protect against unemployment by maintenance and promotion of job creation To provide benefit for the maintenance of any children.
  • 6. Approaches: Social assistance:  A method to provide benefits as of right to persons, usually of small means in amounts sufficient to meet a minimum standards of living from general revenues of the state.  Characteristics feature of this is the beneficiaries do not make any contribution towards various benefits which are made available to them.  It is a “Non-contributory benefits” towards the maintenance of vulnerable groups such as children, mothers, aged peoples, disabled etc.
  • 7. Social Insurance •A method to provide benefits as a matter of right for persons of small earnings, in amounts which combine the contributions of the beneficiaries with subsidies from the employer and the state •Characteristics feature of this is the beneficiaries, employers and the Government make contributions to-wards the creation of common pool, out of which benefits are paid to the members in the event of any contingencies. •Suitable where the class of workers to be covered is sufficiently well organized, legally regulated and financially stable.
  • 8. Social Assistance : A method to provide benefits as of right to persons usually of small means in amounts sufficient to meet a minimum standards of living from general revenues of the state. Non contributory Social insurance : A method to provide benefits as a matter of right for persons of small earnings, in amounts which combine the contributions of the beneficiaries with subsidies from the employer and the state. Contributory
  • 9. Cannot be claimed as a matter of right (Provided) Can be claimed as a matter of right For the vulnerable groups of the community (children, mothers, invalids, aged people, disabled) For the well-organized, legally regulated, financially stable community.
  • 10. Contingencies of Social Security: Medical Care Sickness Benefit Unemployment Benefit Old Age Benefit Employment Injury Benefit Family Benefit Maternity Benefit
  • 11. History of social security Δ. FIRST PHASE: A study on social security (ILO 1984) describes three stages in its modern evolution according to this view, the initial response was “paternalistic private charity and poor relief was provided to the indigent”, but harsh conditions and stigma made this form of provision politically unacceptable ΔSECOND PHASE:: As a reaction of first phase , in the second phase insurance schemes were developed based on compulsory premium that entitled the participants to pensions and sick pays.
  • 12. In time these programs were expended to include wider coverage and contingencies Δ .THIRD PHASE: In this phase the concept of “prevention and universality “were introduced with the aim of maintaining and enhancing the quality of life. (REFERENCE FROM:ILO 1984,p. 17)
  • 13.
  • 14. Social Security Schemes in India: Preventive Schemes Promotional Schemes Protective Schemes
  • 15. PREVENTIVE SCHEMES Preventive Schemes are the Schemes aimed at risk prevention. In the strategy of social management of risks, preventive approach tries to prevent poverty and helps people under below poverty line to come above poverty line. Preventive health care, vaccinations against diseases forms part of the preventive strategies. Majority of the schemes are of social assistance in nature.
  • 16. Promotional Schemes Promotional social security schemes are mainly of Social Assistance type, where to guarantee minimum standards of living to vulnerable groups of population, the Governments at the State and Center draft schemes financed from the general revenues of the Government. These are the strategies of risk mitigation. These guarantee: Food and Nutritional Security Employment security Health Security Education Security Women Security
  • 17. Examples of schemes in the Promotional Social Security Food for work Jawahar Rojgar Yojana Antyodaya Rural Landless Labourers Employment Guarantee Schemes Programmes of Integrated Rural Development Project Sakshara Bharath Integrated Child Development Scheme (ICDS) Public Distribution System Reservations for the disabled in services Special educational institutions for the disabled persons etc.
  • 18.
  • 19. ICDS:
  • 20.
  • 21. Protective Social Security Programmes The protective social security programmes help the poor in removing/reducing contingent poverty. In India, the protective social security programmes have been designed to address the contingent poverty or the contingencies defined by the ILO. Old-age income needs Survival benefits Medical need of insured families Widow and children/dependant economic needs Maternity benefits Compensation for loss of employment and Work injury benefits
  • 22. schemes for working class in the “organized sector “
  • 23.  Employee’s State Insurance (ESI) Act 1948  Employee’s Provident Fund (EPF) Act 1952 Workmen’s Compensation Act 1923 Maternity Benefit Act 1961 Payment of Gratuity Act 1972
  • 24. 1. Employees’ State Insurance (ESI) Beneficiaries:  Small factories employing 10 or more employees whether power is used in the process of manufacture or not.  Shops  Hotel and restaurants  Cinema halls and theatres  Road motor transport establishments  Newspaper establishments  And some private medical and educational institutions employing 20 or more persons in some state.  This act covers all employees –manual ,clerical ,supervisory and technical getting up to Rs.15,000 per month or above.
  • 25. Administration: Administration of ESI scheme is entrusted under an autonomous body called “ESI COOPERATION”.  Headed by union minister for labour.  Consists of members representing central and state government, employers and employees organizations, medical professionals and parliament.
  • 26. Contribution : - Employees : 1.75% of wages. -Employers : 4.75% of total wage bill. *employees getting wages below Rs. 70/day*, are exempted from payment of contributions. Benefits: - Full and comprehensive healthcare and medical benefits for insured workers and their families. - Payment of the full average wage for 12 weeks for confinement /miscarriage, or sickness arising out of pregnancy. - Payment of funeral expenses in cash on death of insured person (not exceeding Rs.5000)
  • 27.  In case of death as a result of employment injury ,the dependents of the insured person are eligible for periodical payments. Pensions @ 70 % of the wages is payable  Cash payment ,besides free medical treatment ,in the event of temporary or permanent disablement as a result of employment or occupational diseases.(@ 70% of wages)  Sickness benefits ,maximum payable up to 91 days, in any continuous period of 365 days, the daily rate being about 50% of daily wages.
  • 28. *Extended sickness benefits:  In addition to 91 days of sickness benefits ,insured persons suffering from certain long term diseases are entitled to extent the sickness benefit for a maximum period of 2 years .  34 such extended sickness benefit diseases are payable like: Infectious diseases Neoplasm Endocrine disorders Disorders of nervous system Disorders of cardiovascular system etc.
  • 29. The extensive coverage of the scheme: - 6.79 million workers (2.2% of Indian workers) in 170,000 companies/ organizations. - 30 million persons (less than 3% of the total population) as included family members - Maharashtra, West Bengal and Uttar Pradesh in the highest numbers of insured persons reaching over 1 million.
  • 30. •Comprehensive medical care - one-eighth of costs provided through the respective states - cash benefits (reimbursements) are administered by the ESI corporation: 1. - through the scheme’s own, hospitals and dispensaries 2. - through reservation of beds in other hospitals 3. - staffed by competent professionals 4. - appreciated by non-regular workers such as causal & contract workers
  • 31.  Limitation and difficulties - level and quality of medical care - the dual administrative control of the state government and corporation - lack of good healthcare infrastructure - lower enrolment (150,000 additional workers per year) but higher requirement of setting up new infrastructure
  • 32. Rajiv Gandhi shramik kalyan yojana:  ESI cooperation has launched a new yojana for workers/ employees covered under ESI scheme.  Unemployment allowance for those who where rendered unemployed involuntary due to reattachment or closure of factory or establishment.  Criteria: the employee must have contributed under the scheme for at least five years .  Benefit: allowance for 6 months in the form of complete payment.
  • 33. 2.Employees’ Provident Fund (EPF): -  Provident fund is a scheme by the Government of India by which: * A fixed percentage is deducted from the persons salary and * A fixed percentage added by the company /establishment. This amount is kept in an account, which accumulates and is then received back after retirement.
  • 34.  a family pension and a deposit-linked insurance  retirement pension benefits to the workers and his/her family  survival benefits in case of death during service [a maximum of Rs.25,000 is paid]  covering companies employing over 20 workers
  • 35.  the minimum service for eligibility is 10 years and pensionable service of 33 years [50% of the last wages are paid]  permitting withdrawal for purposes of life insurance policies, house building, medical treatment, marriage, higher education, etc
  • 36.  Coverage - approx 20 million workers (6.4% of the working population) in about 2,64,000 establishments are enrolled by the different employment sector: • 51% of enrollees in the manufacturing industries • over 20% of enrollees in the mining and quarrying • 5.7% of subscribers in agricultural and allied fields • 10.4% of subscribers in the unorganised sector - 42% of the total membership are in the three states of Maharashtra, Tamil Nadu, and West Bengal
  • 37.  The existing provisions of Defined Benefit Pension and GPF would not be available to the new recruits in the central Government service, i.e. to the Government servants joining Government service on or after 1-1-2004. ( from the official site for :ministry of labour)
  • 38. 3.Workmen’s Compensation  Scheme - covering workers in factories, mines, plantations, railways, and other scheduled employments - providing compensation to workmen or their survivors in case of injuries, death, and occupational diseases sustained during employment service - the compensation amounts is paid to workers according to the damage :
  • 39.  In case of death :40% of monthly wage ,multiplied by relevant factor or Rs. 20,000; whichever is more.  In case of total permanent disablement :50% of monthly wages or Rs.24,000; whichever is more.  In case of partial disablement the compensation is a % of that payable in the case of total permanent disablement and is determined by a qualified medical practitioner.  In case of temporary disablement 25% of the wages can be paid half a monthly.
  • 40. LIST OF INJURIES DEEMED TO RESULT IN PERMANENT TOTAL DISABLEMENT Description of Injury Percentage of loss of earning 1.Loss of both hands or amputation at higher sites  2. Loss of a hand and a foot  3. Double amputation through leg or thigh, or amputation through leg or thigh on one side and loss of other foot  4. Loss of sight to such an extent as to render the claimant unable to perform any work for which eye-sight is essential.  5. Very severe facial disfigurement  6. Absolute deafness  100%
  • 41. LIST OF INJURIES DEEMED TO RESULT IN PERMANENT PARTIAL DISABLEMENT Description of Injury Percentage of loss of earning  Amputation through shoulder joint  Amputation below shoulder with stump less than [20.32 Cms.] from tip of acromion  Amputation form [20.32 Cms.] from tip of acromion to less than [11.43 Cms.] below tip of olecranon  Loss of a hand or of the thumb and four fingers of one hand or amputation from[11.43 Cms.] below tip of colcannon  Loss of thumb  90  80  70  60  30
  • 42. 4. Payment of Gratuity -Gratuity is a lump sum amount that your employer pays you when you retire or resign from the organization. An Employee does not contribute any portion of his salary towards this amount. -Applicable to various establishments employing over 10 workers -Eligible to those who have paid a minimum continuous service of 5 years.
  • 43. Formula Used : Gratuity Calculation In India = [ (Basic Pay + D.A) x 15 days x No. of years of service ] 26  Where, D.A = Dearness Allowance.
  • 44. 5. Maternity Benefit  Scheme - providing payment of wages for up to 12 weeks for full-time - (ie,6 weeks prior the date of delivery and 6 weeks after) - covers o.5% of women workers nationwide. - some states have introduced special schemes for extending maternity benefit to landless agricultural workers.
  • 45.  In case of miscarriage or MTP on production of proof , a woman is entitled to leave with wages for a period of 6 weeks immediately after the day of miscarriage or abortion.  Provision of leave with wages for tubectomy operation for a period of 2 weeks .  In case of any diseases or any complication arising out of pregnancy , the lady is allowed to take leave with full wages for 1 month ,provided she submits proper documents related.
  • 46. Some other benefits: Central Government Health Scheme (CGHS)  Established on 1-7-1954 with the objectives of providing comprehensive medical care facilities to the central Government employees and their family members and to avoid cumbersome system of medical reimbursement  Facilities provided under CGHS through: Dispensaries, poly clinics and Government / recognized hospitals.
  • 47. National Social Assistance Programme  National Old Age Pension Scheme since 1995  National Maternity Benefit Scheme since 1996  National Family Benefit Scheme
  • 48. 1.National Old Age Pension Scheme - Granting monthly pensions to the aged over 65 years, those without subsistence income or family support. - paid by the central government under the NSAP (national social assistance progamme)Pension amount The pension amount, as of Union Budget 2012-13 is Rs.200 per month per person from 60 – 79 years and Rs.500 per month per person for those 80 years and above and states are supposed to contribute an equal amount to the scheme.
  • 49. - -widows are entitled to a pension for one year; during the period, skill development for self-employment is encouraged - physically disabled are eligible for the monthly pension if above the age of 45 years, along with receiving free education, lodging, and boarding facilities in state-run institutions
  • 50.  Limitations - the amount of pension is considered too low to ensure the minimum subsistence level - the number of beneficiaries is restricted by state budgetary limitations and central guidelines
  • 51. Name of the State Current amount of pension (Rs per month)  Andhra Pradesh  Arunachal Pradesh  Assam *  Bihar  Gujarat  Haryana  Himachal Pradesh  Jammu & Kashmir  Karnataka  Kerala  Madhya Pradesh  Maharashtra  Mizoram  Orissa  Punjab  75  150  60*  100  200  100  125  100  110  150  100  100  100  200
  • 52.  Tamil Nadu  Uttar Pradesh  Chhattisgarh  West Bengal **  Chandigarh  Delhi  150  125  200  300**  200  200
  • 53. 2.National Maternity Benefit Scheme - women in all households below the poverty line are eligible for maternity benefits, cashing an amount of Rs.500 for the first and second deliveries respectively - Stipulating a minimum age of 19 years [around 3% of babies born of girls aged between 15-19 years] - the maternity assistance amount in Chhattisgarh is Rs.500 & in Andhra Pradesh is Rs.900, payable in four installments,
  • 54. 3.National Family Benefit Scheme Funding Pattern : 100% funded by the Central government - given in the form of lump sum family benefit for households below the poverty line on the death of the primary breadwinner in the bereaved family. The amount of benefit is Rs.10000/- in case of death of primary breadwinner due to natural or accidental causes.
  • 55. Social insurance schemes: Government Sponsored Socially Oriented Insurance Schemes  Aam Aadmi Bima Yojana(AABY)  Janashree Bima Yojana  Shiksha Sahayog Yojana (SSY)  Micro-Insurance Products  Varishtha Pension Bima Yojana (VPBY)  Universal Health Insurance Scheme (UHIS)  National Agricultural Insurance Scheme (NAIS)  Pilot Modified National Agricultural Insurance Scheme (MNAIS)  Pilot Weather based Crop Insurance Scheme (WBCIS)
  • 56. Shiksha Sahayog Yojana (SSY)  The scheme was launched on 31st December, 2001.  Scholarship as a free add-on benefit is provided under both Janashree Bima Yojana and Aam Admi Bima Yojana to maximum of two children of the beneficiary studying between 9th to 12th standard (including ITI courses) @ Rs. 100 per month for each child payable half yearly on 1st July and 1st January, every year.  The benefit is without any additional premium.  Fund has been set up by Govt. of India called "Aam Admi Bima Yojana Scholarship Fund. Fund is maintained by LIC of India.
  • 57. Micro-Insurance Products  JeevanMadhur" a simple savings related life insurance plan for low income persons was launched in 2006. On surviving to the date of maturity, sum assured is paid alongwith vested bonus if any.  On death of the policy holder, death benefit amount equal to the total premiums payable during the entire term of the policy will be paid alongwith vested bonus if any.  JeevanMangal", LIC's second Micro Insurance product, was launched in 2009. It is a term insurance plan with return of premiums paid on maturity, provided the policy is in force. On death during the term of the policy, the sum assured under the basic plan is payable, provided the policy is in force.
  • 58. Varishtha Pension Bima Yojana (VPBY)  VPBY meant for senior citizens aged 55 years and above was launched on 14.7.2003. Under the scheme the pensioner gets an effective yield of 9% per annum on the investment.
  • 59. Universal Health Insurance Scheme (UHIS)  The four public sector general insurance companies have been implementing Universal Health Insurance Scheme for improving the access of health care to poor families.  provides for reimbursement of medical expenses upto Rs.30,000/- towards hospitalization floated amongst the entire family, death cover due to an accident @ Rs.25,000/- to the earning head of the family.  compensation due to loss of earning of the earning member @ Rs.50/- per day upto maximum of 15 days
  • 60.  The premium subsidy has been enhanced from Rs.100 to Rs.200 for an individual, Rs.300 for a family of five and Rs.400 for a family of seven, without any reduction in benefits.
  • 61. National Agricultural Insurance Schème (NAIS)  The Government of India introduced the scheme from Rabi 1999-2000 season to protect the farmers against losses suffered by them due to crop failure on account of natural calamities.  implemented by Agriculture Insurance Company of India (AICIL). The scheme is available to all the farmers, loanee and non-loanee, irrespective of size of their holding.  covers all food crops (cereals, millets and pulses) and oil seeds and Annual commercial/ horticultural crops  10% subsidy on premium is available to small & marginal farmers. NAIS is presently being implemented in 24 States and 2 Union Territories except in States of Punjab & Arunachal Pradesh.
  • 62.
  • 64. Unorganised sector worker:  Means a person who works for wages or income: directly or through an agency or contractor; or who works on his own/her own account or is self employed ; in any place of work including his/her home ,field or any public space and who is not availing the benefits under ESIC ACT and P.F ACT
  • 65.  Parliament of India has enacted “unorganised sector workers social security act 2005”.  National social security board for unorganised sector have been constituted by the central government to exercise the powers confined on and to perform the functions assigned to. Headed by union minister for lab our and employment.
  • 66. Programmes:  Indira gandhi national old age pension scheme  National family benefit scheme.  Jannani suraksha yojana  Handloom weavers comprehensive welfare scheme.  Handicraft artisans comprehensive welfare scheme.  Pension to master craft persons  National scheme for welfare of fisherman and training and extension  Janshree bima yojana  Aam aadmi bima yojana.  Rashtriya swastiya bima yojana.
  • 67. Janani suraksha yojana  It was launched on 12th April 2005.  Objectives of this scheme were reducing maternal mortality and infant mortality through encour-aging delivery at health institu-tions & focusing at institutional care among women in below pov-erty line families.  100 percent centrally spon-sored scheme & it integrates the benefit of cash assistance with in-stitutional care during ante natal, natal and immediate post-partum care.
  • 68.
  • 69.
  • 70. Handlooms Weavers Comprehensive Welfare Scheme  Sponsored by : Both Central & State Government.  The Health Insurance Scheme aims at financially enabling the weaver community to access the best of healthcare facilities in the country. The scheme is to cover not only the weaver but his wife and children, to cover all pre-existing diseases as well as new diseases . The ancillary Handlooms workers like those engaged in warping, winding, dyeing, printing, finishing, sizing, Jhala making, Jacquard cutting etc. are also eligible to be covered.
  • 71. Handicraft artisans' comprehensive welfare scheme  Aims at financially enabling the artisans’ community to access to the best of healthcare facilities in the country. This scheme covers not only the artisans but his wife and children .  ELIGIBILITY TO GET THE COVERAGE All Craft persons whether male or female, between the age group of one day to 80 years will be eligible.
  • 72.   FUNDING PATTERN i. Contribution by the Govt. of India : Rs.697/- or Rs. 797/- per annum ii. Contribution by the handicrafts artisans : Rs.200/- or Rs. 100/-per annum Total premium : Rs. 897/- per annum
  • 73. Pension to master craft persons  Development Commissioner (Handicrafts) extends financial assistance to senior master craft persons above 60 years of age who are recipients of National Awards/ National Merit Certificate or State Awards in Handicrafts.  This provision helps the old artisans to survive with the pension benefit and be able to disseminate their knowledge to the younger generation.  Also, this encourages new young artisans to practice handicrafts and devote their fulltime with an assurance of pensionary benefit.
  • 74. National scheme on welfare of fishermen  Centrally Sponsored Scheme *objective of the scheme are: a)to provide basic amenities like housing, drinking water, community hall etc. for fishers b)to facilitate better living standards for fishers and their families c)to uplift social and economic securities for active fishers and their dependents and d)to update knowledge and improving skills of fishers in regard to modern fishing technology.
  • 75.  Scheme is operated with the following four components: 1) Development of Model Fishermen Villages 2) Group Accident Insurance for ActiveFishermen 3) Saving-cum-Relief; and 4) Training & Extention. Funding pattern: In case of 1st three component of Schemethe assistance is shared on 50:50 basis by the Government of India and State Government and in case of UT Admn., 100% Assistance is born by the Government of India. In case of North Eastern States, the assistance is shared on 75:25 basis between the Government of India and the State Government. The assistance for Training & Extension is shared on 80:20 basis by the Government of India and the State Government and in case of UT Administrations/ FISHCOPFED 100% assistance is given by the Government of India.
  • 76. Janashree Bima Yojana  The objective of the scheme is to provide life insurance protection to the rural and urban poor persons below poverty line and marginally above the poverty line.  ELIGIBILITY: A person who is *Aged between 18 and 59 years. *Below or marginally above poverty line *A member of any of the approved vocation/occupation groups
  • 77.  NODAL AGENCY: A State Government Department which is concerned with the welfare of any such vocation/occupation group, a Welfare Fund/ Society, Village Panchayat,NGO,Self-Help Group,etc.  COVERAGE: -45 occupational groups have been covered under this scheme. -It includes beediworkers, carpenters, cobblers, fishermen, weavers, persons with disability employed in different sectors, sweepers, drivers, anganwadi teachers and members of self-help groups would be extended the insurance benefits under the scheme.  Besides providing a life cover of Rs. 30,000 for natural death, Rs. 75,000 amount would be paid to the family in case of death due to accidents.
  • 78. Aam Aadmi Bima Yojana  Ministry of Finance, Government of India has approved the merger of Social Security Schemes viz., Aam Admi Bima Yojana (AABY) and Janashree Bima Yojana (JBY).  The merged scheme is renamed “Aam Admi Bima Yojana” and has come into effect from 01.01.2013.  Eligibility criteria : i).The members should be aged between 18 years completed and 59 years nearer birthday. ii) The member should normally be the head of the family or one earning member of the below poverty line family (BPL) or marginally above the poverty line under identified vocational group/rural landless household.
  • 79.  Nodal agency : In the case of “Rural Households”, the nodal agency will mean the State Government/Union Territory appointed to administer the Scheme. Premium: The premium to be charged initially under the scheme will be Rs.200/- per annum per member for a cover of Rs.30,000/-, out of which 50% will be subsidized from the Social Security Fund . In case of Rural Landless Household (RLH) remaining 50 % premium shall be borne by the State Government/ Union Territory and in case of other occupational group the remaining 50% premium shall be borne by the Nodal Agency and/or Member and/or State Government/ Union Territory
  • 80. Rashtriya swasthya bima yojana  government-run health insurance scheme for the Indian poor. It provides for cashless insurance for hospitalization in public as well private hospitals. The scheme started enrolling on April 1, 2008 and has been implemented in 25 states of India.  project under the Ministry of Labour and Employment.  Every "below poverty line" (BPL) family holding a yellow ration card pays Rs. 30 registration fee to get a biometric-enabled smart card containing their fingerprints and photographs. This enables them to receive inpatient medical care of up to Rs.30,000 per family per year in any of the empanelled hospitals
  • 81.  the scheme has won plaudits from theWorld Bank, the UN and the ILO as one of the world's best health insurance schemes. Germany has shown interest in adopting the smart card based model for revamping its own social security system, the oldest in the world, by replacing its current, expensive, system of voucher based benefits for 2.5 million children.
  • 82.
  • 83.
  • 84.
  • 85.
  • 86. RATION CARD  Ration Cards play a vital role in India for Public Distribution System. Depending on the economic condition, people can purchase essential things such as kerosene, sugar and food grains on low cost if they are carrying any of these cards.
  • 87.  Below Poverty Line (BPL) Cards:  Indian Government has introduced BPL Card in order to provide alleviation for poor people in which only poor people of the society are eligible for this type of cards. These people can be bifurcated on daily livelihood such as flower sellers, card pullers, rickshaw pullers, black smith, collies, porters etc. These people are identified by the government employees of the department and then BPL Card is issued with the support of Food and Supplies Department.  In order to get this card, a person has to submit an application form which has to be duly attested by the Village Sarpanch or by Municipal Councilor, two group family photographs (passport size) and finally an affidavit which has to be duly specified.
  • 88.  Antyodaya Ration Cards  Antyodaya Rations Cards are for the families which are the poorest in India and having income which is below Rs.250/- (i.e. per capita per month).  The AAY scheme was launched in December 2000 for the poorest among the BPL families.5 Individuals in the following priority groups are entitled to an AAY card, including: (i) landless agricultural labourers, (ii) marginal farmers, (iii) rural artisans/craftsmen such as potters and tanners, (iv) slum dwellers, (v) persons earning their livelihood on a daily basis in the informal sector such as porters, rickshaw pullers, cobblers, (vi) destitute, (vii) households headed by widows or terminally ill persons, disabled persons, persons aged 60 years or more with no assured means of subsistence, and (viii) all primitive tribal households.
  • 89.  This card is being issued along with BPL Card for the persons whose income is below Rs. 250/- per month. In order to obtain AAY Card, a person needs to submit an application form which has to be duly attested by the Village Sarpanch or by the Municipal Councilor, two group family photographs (passport size) and finally an affidavit. After that a ration card is developed in Green color for Antyodaya beneficiaries. This card holder will get 35 KG of rice for Rs.3/- per Kg.
  • 90. Key problems  Social security policies assumes an homogeneity among all the unorganised workers.  But the sector is heterogeneous in terms of: -Social security needs -Ability to contribute -Membership and participation We can divide the unorganised sector workers into two categories:
  • 91. Ultra poor Poor  Inability to meet basic need.  Need promotional upliftment.  Find difficult to contribute to social security due to limited and insecure livelihood.  Fulfilled basic needs .  Protective social security schemes  Ability to contribute towards social security is higher.
  • 92.  Social security :an integral element for poverty alleviation among ultra poor.  Improving service delivery system to provide basic needs  Governance of these institutions needs to be improved in terms of participation and accountability  New institutions like “SELF HELP GROUPS “ should be formed.  Implementation of subsidies to provide social protection.
  • 93. Protective security for Poor  What they need is inclusive, participatory , transparent ,and effective social security schemes so that they do not slip back into poverty.  GOVT should plan to increase the employment opportunities for people of this strata.
  • 94. Conclusions  About 13% of the working population are covered by the statutory social protection : - Some 19.5 million government and public sector workers - Some 21 million private sector workers  These major social security laws do not distinguish between organized and unorganised sectors: - very few informal economy workers are covered under the statutory schemes - because there are many difficulties in establishing workers-employer relationship and an effective system for the collection of contribution
  • 95.  The statutes explicitly exclude groups of workers such as  those working outside the scheduled industries and establishments  those in smaller enterprises  the very substantial category of the self-employed (comprising 54% of the workforce)  Lack of awareness and unity among the informal economy workers to enforce the laws
  • 96. Bibliography: Parks textbook for preventive medicine. National health programmes of India. -J.kishore’s(9th edition)  Official site for Ministry of industries. Official site for Ministry of finance. National rural health mission website. Social security in india:status,issues and ways forward,by D.Rajashekhar ,isec Bangalore (Institute for Social and Economic Change) Life insurance cooperation of India website. Available from: URLhttp://www.labour.nic.in