Benefits at a Glance
Benefits | Contributory Conditions | Duration | Rate | To Whom Payable
1) a) Sickness Benefit: The insured person should work for wages for 78 days in the corresponding contribution period (wef 19-9-98). Duration is 91 days in any two consecutive benefit periods. The rate is as per S.B.R. and is payable only to the insured person.
b) Extended Sickness Benefit for long-term diseases like TB, leprosy, etc.: Continuous employment for a period of two years is required. Duration is 124 days, which may be extended up to 309 days in specified chronic cases during a period of three years. The rate is 25% above S.B.R. and is payable only to the insured person.
c) Enhanced Sickness Benefit (for undergoing sterilization operation for family planning): Same conditions as for Benefit (a) above. Duration is 7 days for vasectomy and 14 days for tubectomy, extended in cases of postoperative complications, etc. The rate is twice the S.B.R. and is payable only to the insured person.
2) Disablement Benefits (employment injury): No conditions. In case of temporary disablement, the benefit lasts as long as incapacity lasts, and in case of permanent disablement, it is for a lifetime. The rate for temporary disablement is 40% above S.B.R., payable only to the injured person.
Explanation: Where more injuries than one are caused by the same accident, the rate of benefit payable under clauses (c) & (d) shall be aggregated but not so in any case as to exceed the full rate. In cases of disablement not covered by clauses (a), (b), (c) & (d), the rate, not exceeding the full rate, may be provided in the regulations.
3) Dependent’s Benefit (employment injury): No condition. Payable to the widow(s) during their lifetime until remarriage. To the legitimate or adopted son(s) until he attains the age of 18 years. The rate is 3/5 of the full rate; if there are two or more widows, the amount payable shall be divided equally between them. The rate is 2/5 of the full rate; if there are two or more sons, the amount payable shall be divided equally between them, subject to a minimum of Rs. 14/-.
Regards, Vikash