20 SEP 2020

Under Pradhan Mantri Jan-Dhan Yojana (PMJDY), a free RuPay debit card is provided to the PMJDY account holders with inbuilt accident insurance cover of Rs. 1 lakh. This coverage amount has since been raised from Rs. 1 lakh to Rs. 2 lakh to PMJDY accounts opened after 28.08.2018. This was stated by Shri Anurag Singh Thakur, Union Minister of State for Finance & Corporate Affairs in a written reply to a question in Rajya Sabha today.

Giving more details, the Minister said that all eligible and willing PMJDY account-holders can enroll under Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).

Under PMSBY, accident insurance coverage of Rs. 2 lakh is provided to enrolled beneficiaries in the age group of 18 years to 70 years with an annual premium of Rs. 12 only through auto-debit from bank account with express consent of the account holder.

Under PMJJBY, life insurance coverage of Rs. 2 lakh is provided to enrolled beneficiaries in the age group of 18 years to 50 years for an annual premium of Rs. 330 through auto debit from bank account with express consent of the account holder

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17 DEC 2018

Pursuant to the directions of Hon’ble Supreme Court contained in its judgement dated 19.03.2018 in W.P. (C) No. 318/2006, the Central Government has formulated a model welfare scheme for BOC workers which, inter alia, envisages following maternity benefit, out of the BOCW welfare cess fund, for those BOC workers who are not covered under Ayushman Bharat:-

(i) Paid maternity leave to registered construction workers ranging from 90 days to 26 weeks for up to two deliveries.

(ii) Rs.6000/-per delivery for up to two deliveries to the wife of the registered construction workers, which will be in addition to any other benefit received from any Government Scheme in this regard.

The Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996 provides safety, health and welfare measures for the building and other construction workers. For the purposes of the above said Act, a cess is levied and collected at the rate of 1% of the cost of construction by the State Governments under the Building and Other Construction Workers’ Welfare Cess Act, 1996. The States, through their respective State Building and Other Construction Workers Welfare Boards, constituted under BOCW Act, utilize the cess fund in terms of Section 22 of BOCW Act, 1996. The States and Union Territories have collected around Rs. 45473.1 Crore and have spent an amount Rs. 17591.592 Crore upto 30.9.18.

The Welfare Schemes funded from BOCW welfare cess fund are exclusively for the building and other construction workers. Diversion of the cess fund for welfare of other category of workers is not permissible under the BOCW (RECS) Act, 1996.

Utilization of Cess Fund under Section 22 of the Building and Other Construction Workers (RECS) Act, 1996 Act and the registration of building and other construction workers as beneficiary under section 12 of the said Act is done by the State Building and Other Construction Workers Welfare Boards.

Besides the above, the Government is implementing various Acts and Schemes to provide social security and welfare benefits to workers, both in the organised and unorganised sector. The social security to the workers in the organized sector is provided mainly through five Central Acts, namely, the Employees’ State Insurance Act, 1948, the Employees’ Provident Funds & Miscellaneous Provisions Act, 1952, the Employee’s Compensation Act, 1923, the Maternity Benefit Act, 1961 and the Payment of Gratuity Act, 1972.

In order to provide social security benefits to the workers in the unorganised sector, the Central Government is implementing Unorganised Workers’ Social Security Act, 2008, to provide welfare schemes in matters relating to life and disability cover, health and maternity benefits, old age protection to the unorganised workers. Various Ministries/Departments of the Central Government are implementing such social security schemes like Indira Gandhi National Old Age Pension Scheme (Ministry of Rural Development); National Family Benefit Scheme (Ministry of Rural Development); health and maternity schemes (Ministry of Health and Family Welfare). The Central Government has also converged the social security scheme of Aam Aadmi Bima Yojana (AABY) with Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) to provide life and disability coverage to the unorganised workers depending upon their eligibility. These converged schemes give coverage of Rs.2 lakhs on death at premium of Rs.330/- per annum and coverage of Rs.2 lakhs on accidental death at premium of Rs.12 per annum, besides disability benefits as per the scheme. The annual premium is shared on 50:50 basis by the Central Government and the State Governments. These schemes are implemented and monitored by Life Insurance Corporation of India and the concerned State Governments.

This information was given by Shri Santosh Kumar Gangwar Union Minister of State (I/C) for Labour and Employment in written reply to a question in Lok Sabha today.

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Social Security Schemes

23 JUL 2018

The Ministry of Labour & Employment, through its Labour Welfare Organizations across the country, implements welfare schemes relating to housing, education and health for beedi workers, mica mine workers, limestone & dolomite mine workers, iron ore manganese, chrome ore mine workers and cine workers. These schemes were earlier administered through 5 Welfare Cess and Welfare Funds under various Cess Acts of Parliament. Now, these cesses have been abolished/subsumed in GST and the welfare schemes have been retained with funding from the Consolidated Fund of India. Salient features of these welfare schemes: are as follows:

(i) Revised Integrated Housing Scheme-2016: Subsidy of Rs.1,50,000 for construction of a new house is provided to the workers in three installments.

(ii) Education Scheme: Financial Assistance varying from Rs.250 to Rs.15,000 per year is provided to the wards of the workers studying in classes I to XII or pursuing non-professional and professional degree/graduate/post graduate courses.

(iii) Health Scheme: Health care facilities are provided to the workers and their dependents through 12 hospitals and 286 dispensaries under Labour Welfare Organizations across the country. In addition, reimbursement of expenditure for specialized treatment taken in Government recognized hospitals is also provided.

The above three schemes have been extended upto the financial year 2019-20. In addition to the above welfare schemes, the Central Government has recently converged the social security schemes of Aam Aadmi Bima Yojana (AABY) with Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) to provide life and disability coverage to the unorganised workers (in the age group 18-50 years) depending upon their eligibility. PMJJBY gives coverage of Rs.2 lakhs on death at premium of Rs.330/- per annum. PMSBY gives coverage of upto Rs.2 lakhs on accidental death and disability at premium of Rs.12 per annum. Under the scheme, the Central Government contributes 50% of the premium for eligible unorganized workers and has requested the States to contribute the remaining 50% premium.

This information was given by Shri Santosh Kumar Gangwar Union Minister of State (I/C) for Labour and Employment in written reply to a question in Lok Sabha today.

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