Ensuring ESI Compliance for Workplace Injuries
Firstly, ensure that all employees working under you and covered under the ESI Act, 1948 have ESI Identity Cards after obtaining their Insurance Numbers from the appropriate Branch Office of ESIC.
As soon as an employee/Insured Person suffers an accident related to the work of the factory/establishment, submit the accident report to the appropriate Branch Office of ESIC and other State authorities.
It is the responsibility of the principal employer to provide first aid to the injured employee.
The injured insured person must carry their identity card issued by ESIC.
The employer can obtain a copy of the medical certificate issued by the appropriate dispensary/hospital.
If there are any questions regarding the eligibility of the concerned insured person, it is advisable to immediately contact the Branch Office of ESIC with relevant records so that the injured person can receive medical treatment.
Under the ESI Act, the benefits paid in cash are not termed as "salary." If the case is accepted as an employment injury, Temporary Disablement Benefit (TDB) will be paid to the insured person until the date they are certified as incapacitated due to the accident. The rate of Temporary Disablement Benefit is approximately 90% of the standard benefit rate in the relevant contribution period (Rule 57 of ESI (Central) Rules, 1952).
For further details, I suggest studying the ESI Act, 1948, and the rules/regulations framed thereunder. You can also download the same and other materials on different benefits and their eligibility from the website of ESIC.