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    Submitted By:-Ravi Bhushan Shreyak Choudhary

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    Ravi Bhushan
    The Employee State Insurance Act was enacted in 1948 to provide social security benefits like sickness, maternity, disability and dependents benefits to employees earning less than Rs. 10,000 per month. It is applicable to establishments with 20 or more employees. Employees contribute 1.75% of wages while employers contribute 4.75% towards medical care, cash benefits for sickness, maternity, disability and death. The scheme was launched in 1952 in Kanpur and Delhi and now provides benefits like medical care, cash payments for sickness, maternity leave, disability compensation and dependents pension.

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    Submitted By:-Ravi Bhushan Shreyak Choudhary

    Uploaded by

    Ravi Bhushan
    21 views14 pages
    The Employee State Insurance Act was enacted in 1948 to provide social security benefits like sickness, maternity, disability and dependents benefits to employees earning less than Rs. 10,000 per month. It is applicable to establishments with 20 or more employees. Employees contribute 1.75% of wages while employers contribute 4.75% towards medical care, cash benefits for sickness, maternity, disability and death. The scheme was launched in 1952 in Kanpur and Delhi and now provides benefits like medical care, cash payments for sickness, maternity leave, disability compensation and dependents pension.

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    Sh Re Yak

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    The Employee State Insurance Act was enacted in 1948 to provide social security benefits like sickness, maternity, disability and dependents benefits to employees earning less than Rs. 10,000 per month. It is applicable to establishments with 20 or more employees. Employees contribute 1.75% of wages while employers contribute 4.75% towards medical care, cash benefits for sickness, maternity, disability and death. The scheme was launched in 1952 in Kanpur and Delhi and now provides benefits like medical care, cash payments for sickness, maternity leave, disability compensation and dependents pension.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    21 views14 pages

    Submitted By:-Ravi Bhushan Shreyak Choudhary

    Uploaded by

    Ravi Bhushan
    The Employee State Insurance Act was enacted in 1948 to provide social security benefits like sickness, maternity, disability and dependents benefits to employees earning less than Rs. 10,000 per month. It is applicable to establishments with 20 or more employees. Employees contribute 1.75% of wages while employers contribute 4.75% towards medical care, cash benefits for sickness, maternity, disability and death. The scheme was launched in 1952 in Kanpur and Delhi and now provides benefits like medical care, cash payments for sickness, maternity leave, disability compensation and dependents pension.

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    of 14

    SUBMITTED BY:-

    RAVI BHUSHAN
    SHREYAK CHOUDHARY
    INTRODUCTION
    • The Employee State Insurance Act, 1948,
    is a piece of social welfare legislation
    enacted primarily with the object of
    providing certain benefits to employees in
    case of sickness, maternity and
    employment injury
    The Beginning

    • The Employee State Insurance act was


    promulgated by the Parliament of India in the
    year 1948.
    • To begin with the ESI scheme was initially
    launched on 2 February 1952 at just two
    industrial centers in the country namely kanpur
    and Delhi with a total coverage of about 1.20 lac
    workers.
    Applicability

    • To all factories and establishment


    employing 20 or more employer

    • Every employees drawing wages upto Rs


    10,000/- per month
    CONTRIBUTION UNDER
    ESI ACT,1948
    • Employees : 1.75% on total monthly
    wages

    • Employer : 4.75% on total monthly


    wages
    Benefits under the Act
    Six kinds of benefits are provided under the Act:
    •Sickness benefit
    •Maternity benefit
    •Disablement benefit
    •Dependents benefit
    •Medical benefit and
    •Funeral expenses
    Sickness benefit
    • Sickness benefit is payable to an insured person in cash,
    in the event of sickness resulting in absence from work
    and duly certified by an authorised insurable medical
    officer/ practitioner.

    • The benefit becomes admissible only after an insured


    has paid contribution for at least 78 days in a
    contribution period of 6 months.

    • Payment is to be made by the local office within 7 days


    of certificate of sickness at a standard rate, which is not
    less than 50% of the wages.
    Maternity benefit

    •Maternity benefit is payable to insured women in case of


    confinement or miscarriage or sickness
    • The benefit is normally payable for 12 weeks,
    which can be further extended up to 16 weeks on medical
    grounds.
    • The rate of payment of the benefit is equal to wage
    or double the standard sickness benefit rate.
    Disablement benefit
    • Disablement benefit is payable to insured employees
    suffering from physical disablement due to employment
    injury or occupation disease.
    • Temporary disablement benefit at 70% of the wages is
    payable till temporary disablement lasts .
    • In case of permanent disablement, the cash benefit is
    payable for life. Amount payable is worked out on the
    basis of earning capacity determined by a medical
    board.
    Dependandts benefits
    Dependents benefit [family pension] is payable to
    dependents of a deceased insured person where
    death occurs due to employment or occupational
    disease.
    •A widow can receive this benefit on a
    monthly basis for life or till remarriage.
    •Children can receive this benefit till 18
    years of age.
    Medical benefit
    • Full medical facilities for self and dependants are
    admissible from day one of entering insurable
    employment

    • The rate of contribution for superannuated disabled is


    Rs 1,220 per annum payable in lump sum at the local
    office for availing full medical care for self and spouse.
    Funeral expenses

    • In case of death of insured employee


    ,eldest member of family or the person
    who actually incurs expenditure on the
    funeral of employee, entitled to receive
    the payment
    • On the death of an insured person subject
    to a maximum of a Rs. 2,500 payable
    Penal Provisions
    1)For employees’ contribution :
    Imprisonment for minimum 2
    yrs. to maximum 5 yrs. and/or
    fine of Rs. 25,000/- .
    2) For employer’s contribution :
    Imprisonment for minimum 6
    monthsto maximum 3 yrs.
    and/or fine of Rs. 10,000/- .

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