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Employess State Insurance


Coverage
COVERAGE UNDER THE ESI ACT, 1948

The Act was originally applicable to non-seasonal factories using power and employing 20 or more persons; but it is now applicable to non-seasonal power using factories employing 10 or more persons and non-power using factories employing 20 or more persons.

Under Section 1(5) of the Act, the Scheme has been extended to shops, hotels, restaurants, cinemas including preview theatre, road motor transport undertakings and newspaper establishment employing 20 or more persons.

The existing wage-limit for coverage under the Act, is Rs.10,000/- per month (with effect from 1.10.2006).

AREAS COVERED
The ESI Scheme is being implemented area-wise by stages. The Scheme has already been implemented in different areas in the following States/Union Territories

STATES
All the States except Nagaland, Manipur, Tripura, Sikkim, Arunachal Pradesh and Mizoram.

UNION TERRITORIES Delhi, Chandigarh and Pondicherry

Benefits

The section 46 of the Act envisages following six social security benefits :-
(a) Medical Benefit

(b) Sickness Benefit(SB)
    1. Extended sickness Benefit(ESB)
    2. Enhanced Sickness Benefit

(c) Maternity Benefit(MB)

(d) Disablement Benefit
     1. Temporary disablement benefit(TDB)
     2. Permanent disablement benefit(PDB)
(e) Dependants’ Benefit(DB)

(f) Funeral Expenses
An interesting feature of the ESI Scheme is that the contributions are related to the paying capacity as a fixed percentage of the workers wages, whereas, they are provided social security benefits according to individual needs without distinction.
Cash Benefits are disbursed by the Corporation through its Local Offices LOs/ Mini Local Offices (MLOs)/Sub Local Offices SLOs)/pay offices, subject to certain contributory conditions.
In addition, the scheme also provides some other need based benefits to insured workers.
 These includes :
    i. Rehabilitation allowance
    ii. Vocational Rehabilitation
    iii. Unemployment Allowance (Under Rajiv Gandhi Shramik Kalyan Yojana)
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