Navigating ESIC in Mumbai: Your Questions on Eligibility, Benefits, and Procedures Answered

Dear Friends, I need help with the following questions on ESIC. 1. Who is eligible for benefits? 2. How many members of a family are eligible? 3. Amount of benefits? 4. Time limit for submitting forms of new joiners? 5. Time taken to get the ESIC card? 6. Does all ESIC cover family or not? 7. What is the contribution for covering family into ESIC? 8. Do we need to submit the ESIC form with family photo or just the individual photo? 9. What is the process of getting ESIC benefit? 10. What is the process of getting ESIC benefit? 11. If an individual has lost the ESIC card, what's the process to get a new card? 12. How to claim money when absent? 13. What all register employers need to maintain? 14. What's online registration and how can one get it? 15. Any Medical reimbursement which employees are eligible for? 16. Employees covered under ESIC have an incentive. On average, if a person takes home more than 10k, will he still enjoy ESIC? 17. If one has an ESIC card from a previous organization, which form does he have to fill in the present company? 18. Any advantage or benefit for disabled employees? 19. What's the process from an employer's side once the employee under ESIC resigns? 20. If the salary of the employee under ESIC has increased and he is out of the ESIC limit, what is the employer's duty in that case? 21. Can a pregnant employee claim maternity leave money from ESIC and the office both?

ESIC, or the Employees' State Insurance Corporation, provides social security and health insurance benefits to eligible employees and their families. Here is a detailed breakdown of the questions you have raised:

1. Eligibility for Benefits:
- Employees earning less than Rs. 21,000 per month are eligible for ESIC benefits.

2. Family Members Eligibility:
- Spouse and dependent children are typically covered under ESIC.

3. Amount of Benefits:
- Benefits include medical, sickness, maternity, disablement, and dependent benefits.

4. Time Limit for Form Submission:
- New employees should be registered within 10 days of joining.

5. ESIC Card Processing Time:
- The ESIC card is usually issued within 2-3 weeks of application.

6. Family Coverage:
- ESIC covers the employee, spouse, and dependent children.

7. Contribution for Family Coverage:
- The contribution for covering family members is shared between the employer and employee.

8. Form Submission:
- ESIC forms typically require individual and family photos.

9. Process for Availing Benefits:
- Employees can avail benefits by submitting necessary documents to the ESIC office.

10. Lost ESIC Card:
- To get a new card, the employee needs to inform the employer and apply for a replacement.

11. Claiming Benefits During Absence:
- Employees can claim benefits for the period of absence due to illness or injury.

12. Employer Obligations:
- Employers must maintain various registers as mandated by ESIC regulations.

13. Online Registration:
- Online registration simplifies the process for both employers and employees.

14. Medical Reimbursement:
- Employees are eligible for medical reimbursement as per ESIC guidelines.

15. Salary Increase Impact:
- If an employee's salary exceeds the ESIC limit, the employer should stop ESIC deductions.

16. Maternity Leave Claim:
- Pregnant employees can claim maternity benefits from ESIC and the employer simultaneously.

These guidelines aim to help both employers and employees understand and navigate the ESIC system effectively.