The document discusses social security programs and legislation in India. It outlines several key social security schemes aimed at providing benefits like health insurance, life insurance, pensions, and unemployment assistance. However, it notes that many workers, especially in the unorganized sector, remain excluded from these programs. It also identifies limitations like inadequate funding mechanisms and a lack of provisions for all workers. Overall social security coverage in India remains uneven and a work in progress.
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The document discusses social security programs and legislation in India. It outlines several key social security schemes aimed at providing benefits like health insurance, life insurance, pensions, and unemployment assistance. However, it notes that many workers, especially in the unorganized sector, remain excluded from these programs. It also identifies limitations like inadequate funding mechanisms and a lack of provisions for all workers. Overall social security coverage in India remains uneven and a work in progress.
The document discusses social security programs and legislation in India. It outlines several key social security schemes aimed at providing benefits like health insurance, life insurance, pensions, and unemployment assistance. However, it notes that many workers, especially in the unorganized sector, remain excluded from these programs. It also identifies limitations like inadequate funding mechanisms and a lack of provisions for all workers. Overall social security coverage in India remains uneven and a work in progress.
Copyright:
Attribution Non-Commercial (BY-NC)
Available Formats
Download as PPT, PDF, TXT or read online from Scribd
The document discusses social security programs and legislation in India. It outlines several key social security schemes aimed at providing benefits like health insurance, life insurance, pensions, and unemployment assistance. However, it notes that many workers, especially in the unorganized sector, remain excluded from these programs. It also identifies limitations like inadequate funding mechanisms and a lack of provisions for all workers. Overall social security coverage in India remains uneven and a work in progress.
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SOCIAL SECURITY
Social security is primarly a social insurance programme providing social protection against socially recognised conditions including poverty,oldage,disablem ent,unemployment etc… IMPORTANCE OF SOCIAL SECURITY Social security need in India has been felt by wage earning and low salaried class Due to lack of official sympathy. Lack of interest in welfare of worker Comparitive weakness of trade union for the demand of social wage. To provide Basic security such as food,clothing,education etc.. The starting…..Employee’s state insurance act -1948 To provide compulsory & contributory health insurance facility to workers Financing • Setting up of a fund “employee’s state and insurance fund” • Contribution from employer-4.75% • From employee-1.75% • State government share from expenditure &provision of medical care-12.5% • Central and state govt provide grants for working scheme. How it has benefited the worker? • Sickness benefit • Medical benefit • Maternity benefit • Disablement benefit • Dependent’s benefit Some recent statistics….(as per 2001 census)
Total workforce in the country-
402 million Of which 303 are main workers and 89 million marginal workers Out of the 303 million 285 million are from unorganised sector ie,91% Recent social security acts : AAM ADMI BHIMA YOJANA (AABY)
• Provides insurance for the Head of the family or to
earning member only (not to members of the family). • Age group 18-59 against accidental death coverage is Rs.75000.In case of natural death sum will be Rs.37500. • Annual premium is Rs.200 shared by central and state Govt in 50-50 ratio. RASHTRIYA SWASTHYA BIMA YOJANA (RSBY) 1 OCT 2007: • Total sum insured is Rs.30000 per annum per BPL family. • Coverage of health services, hospitalization and surgeries. • Central Govt bears 75% and state Govt bears 25% in premium payment. JANSHREE BIMA YOJANA: • Provides Life insurance protection to rural and urban persons living BPL. • Covers artisans irrespective of gender in age group 18-60. • Annual premium of Rs.200 of which Rs.40 paid by artisan, Rs.60 by Govt of India and Rs.100 by LIC JANANI SURAKSHA YOJANA (JSY)
• Aim is to reduce maternal death and infant mortality
rate in BPL. • JSY falls under National Rural Health Mission which covers all pregnant women who are above 19 years old are assisted with a sum of Rs.500 per month. INDIRA GANDHI NATIONAL OLD AGE PENSION SCHEME (IGNOAPS) • Launched by Ministry of Rural Development which provides a sum of Rs.400 per month for people belonging to the age group of 65 years and above. • People who don’t have any source of remuneration can also avail this scheme. ANNAPURNA SCHEME
• This Scheme provides 10 kg of food grains per month to
people BPL. Food grains are provided at free of cost under NOAP scheme and covers those who don’t receive pension.
NATIONAL FAMILY BENEFIT SCHEME (NFBS)
• It grants a one time financial assistance of Rs.10000 to
families BPL. • This scheme can be availed when the bread winner of the family dies or suffers from permanent disability. UNORGANIZED WORKERS’ SOCIAL SECURITY BILL 2008
• This scheme gives a minimum of 100 days of
employment to unorganized sector. • Income of the workers raised from Rs.20 to equivalent of $2 a day. • Scheme will be implemented in a phased manner to cover 6 crore unorganized workers in India. The facts… All the acts are applicable only to BPL families. Most of the schemes are to be sourced from workers and operated by insurance companies. The state governments has been given free hands to design their own provident fund and other schemes. The funding of the acts is too vague Excluded sections Non regular workers in the organised sectors(2.92 crores) including contract and casual workers,trainees ie,1/3 rd of organised workers. Unorganised workers in the cooperative including weavers. 6.5 lakh anganwadi workers,17 lakh health workers,municipal workers etc. Nearly 50 million workers excluded from this. Limitations of unorganised sector act
Agricultural labourers have been excluded.
Contract labourers,para workers cooperative sector workers excluded. Construction sector have been exempted. No central welfare fund for this act. Working conditions of unorganised workers including working hours,mandatory holidays,safety measures ,trade union rights are not mentioned No unemployement allowance. No appellate authority to watch. Major issues
Financing of social security
contribution from workers and empolyer is mandatory now. Unequal distribution of social security benefits. These measures may distort savings and labour market may cause people to remain idle(unemployement alowances). Suggestions Financing could be switched to income taxation &consumption tax. Reduce dependency by raising retiring age,accomodating older in work force. Increase the participation of international financing agencies. World solidarity fund on a voluntary basis for this. Social protection by pvt systems. Social security should be based on individual’s earning history. Government should make sure that every one is included under the schemes.
