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<h1>Social Security Programs Throughout the World: Asia and the Pacific, 2014</h1>
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<h1>India</h1>
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<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 61.75 rupees.</div>
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<h2>Old Age, Disability, and Survivors</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First and current laws:</span> 1952 (employees' provident funds), 1972 (payment of gratuity), 1976 (employees' deposit-linked insurance), 1995 (employees' pension scheme), 1995 (national social assistance program), 2008 (unorganized workers' social security), and 2013 (pension fund regulatory and development authority).</p>
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<p><span class="h4">Type of program:</span> Provident fund, social insurance, employer-liability, and social assistance system.</p>
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<p>Note: A funeral grant is paid under Sickness and Maternity.</p>
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<h3>Coverage</h3>
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<p><span class="h4">Provident fund and survivor (deposit-linked) insurance:</span> Employees, including those engaged in casual, <span class="nobr">part-time,</span> daily wage, and contract work, with monthly earnings of 15,000 rupees or less working in firms with at least 20 workers in one of 186 categories of covered industry (the firm remains covered even if the number of employees falls below 20); employees of other types of businesses specified by law, including cooperatives with more than 50 employees.</p>
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<p>Employees covered by equivalent occupational private plans may opt out.</p>
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<p>Voluntary coverage for employees of covered firms with monthly earnings of more than 15,000 rupees, with the employer's agreement. Voluntary coverage for employees of firms with fewer than 20 workers if the employer and a majority of employees agree to contribute.</p>
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<p>Exclusions: Self-employed persons, agricultural workers, and members of cooperatives with fewer than 50 workers.</p>
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<p><span class="h4">Pension scheme:</span> Employees who became members of the provident fund on or after November 16, 1995.</p>
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<p>Voluntary coverage is available.</p>
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<p>Exclusions: Self-employed persons, agricultural workers, and members of cooperatives with fewer than 50 workers.</p>
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<p><span class="h4">Gratuity scheme (employer liability):</span> Employees of factories, mines, oil fields, plantations, ports, railways, and businesses with at least 10 workers.</p>
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<p>Exclusions: Self-employed persons, agricultural workers, and members of cooperatives with fewer than 50 workers. There is no coverage in the states of Jammu and Kashmir.</p>
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<p>Special systems for coal miners, railway employees, and public-sector employees.</p>
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<p><span class="h4">Social assistance:</span> Needy older persons and poor households when the primary breadwinner dies.</p>
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<p>Separate informal-sector schemes exist for certain artisans and the rural landless.</p>
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<h3>Source of Funds</h3>
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<p><span class="h4">Insured person</span></p>
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<p><span class="h5">Provident fund:</span> 12% of basic wages (10% in specified categories of industry; businesses covered prior to September 22, 1997, with fewer than 20 employees; and some other specific cases).</p>
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<p>The maximum monthly earnings used to calculate contributions are 15,000 rupees.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> None.</p>
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<p><span class="h5">Pension scheme:</span> None.</p>
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<p><span class="h5">Gratuity scheme (employer liability):</span> None.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Self-employed person</span></p>
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<p><span class="h5">Provident fund:</span> Not applicable.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> Not applicable.</p>
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<p><span class="h5">Pension scheme:</span> Not applicable.</p>
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<p><span class="h5">Gratuity scheme (employer liability):</span> Not applicable.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Employer</span></p>
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<p><span class="h5">Provident fund:</span> 3.67% of monthly payroll plus 1.1% of monthly payroll for administrative costs.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> 0.5% of monthly payroll plus 0.01% of monthly payroll for administrative costs.</p>
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<p>The maximum monthly earnings used to calculate contributions are 15,000 rupees.</p>
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<p><span class="h5">Pension scheme:</span> 8.33% of monthly payroll.</p>
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<p>The maximum monthly earnings used to calculate contributions are 15,000 rupees.</p>
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<p><span class="h5">Gratuity scheme (employer liability):</span> An average of 4% of monthly payroll.</p>
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<p><span class="h5">Social assistance:</span> None.</p>
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<p><span class="h4">Government</span></p>
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<p><span class="h5">Provident fund:</span> None.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> None.</p>
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<p><span class="h5">Pension scheme:</span> 1.17% of the insured's basic wages.</p>
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<p>The maximum monthly earnings used to calculate contributions are 15,000 rupees.</p>
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<p><span class="h5">Gratuity scheme (employer liability):</span> None.</p>
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<p><span class="h5">Social assistance:</span> The total cost.</p>
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<h3>Qualifying Conditions</h3>
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<p><span class="h4">Old-age benefits</span></p>
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<p><span class="h5">Old-age benefit (provident fund):</span> Age 55 and retired from covered employment; at any age if permanently emigrating, if covered employment ends involuntarily, on the termination of service under a voluntary retirement scheme, on changing employment from an establishment covered by the scheme to one that is not, or after two months of unemployment.</p>
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<p>Drawdown payment: Partial drawdown is permitted before retirement for special purposes, including paying for life insurance, purchasing or building a home, loan repayment, a child's education or marriage, care costs for a serious illness, damage from a natural disaster, or costs relating to the onset of a disability.</p>
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<p>Under certain circumstances, the full amount can be drawn down before age 55.</p>
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<p><span class="h5">Old-age pension (pension scheme):</span> Age 58 with at least 10 years of coverage.</p>
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<p>Partial pension: Age 58 with less than 10 years of coverage.</p>
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<p>Early pension: Age 50 with at least 10 years of coverage.</p>
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<p>Employment must cease.</p>
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<p><span class="h5">Old-age benefit (gratuity scheme):</span> Must have at least five years of continuous employment.</p>
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<p><span class="h5">Old-age pension (social assistance):</span> Age 65 and needy.</p>
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<p><span class="h4">Disability benefits</span></p>
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<p><span class="h5">Disability benefit (provident fund):</span> Assessed with a permanent and total incapacity for normal work.</p>
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<p><span class="h5">Disability pension (pension scheme):</span> Assessed with a permanent and total disability as the result of an occupational injury and has at least one month of contributions.</p>
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<p><span class="h5">Disability benefit (gratuity scheme):</span> Assessed with a disability caused by a disease or an accident.</p>
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<p><span class="h5">Disability pension (social assistance):</span> Aged 16 to 64, needy, and assessed with a severe or multiple disabilities.</p>
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<p><span class="h4">Survivor benefits</span></p>
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<p><span class="h5">Survivor benefit (provident fund):</span> Paid if the provident fund member dies before retirement.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> Paid if the provident fund member dies before retirement.</p>
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<p><span class="h5">Survivor pension (pension scheme):</span> Paid to a <span class="nobr">widow(er)</span> and up to two children younger than age 25 (no limit with a total and permanent disability) if the deceased had at least one month of contributions, regardless of whether the deceased was employed or retired at the time of death.</p>
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<p>The <span class="nobr">widow(er)'s</span> pension ceases on remarriage.</p>
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<p>If there is no surviving <span class="nobr">widow(er)</span> or orphan, the pension is paid to a named survivor or a dependent parent.</p>
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<p><span class="h5">Survivor benefit (gratuity scheme):</span> Paid if the insured dies as the result of an illness or an accident.</p>
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<p><span class="h5">Survivor grant (social assistance):</span> Paid to needy households (under the National Family Benefit Scheme) when the primary breadwinner aged 18 to 64 dies.</p>
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<h3>Old-Age Benefits</h3>
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<p><span class="h4">Old-age benefits</span></p>
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<p><span class="h5">Old-age benefit (provident fund):</span> A lump sum of total employee and employer contributions plus accrued interest is paid.</p>
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<p>Drawdown payment: According to circumstances, the value of the minimum payment varies from one month of wages to total employee and employer contributions plus accrued interest.</p>
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<p><span class="h5">Old-age pension (pension scheme):</span> A monthly pension is paid based on a member's pensionable service and earnings.</p>
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<p>The minimum pension is 1,000 rupees a month.</p>
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<p>Partial pension: A lump sum of total employee and employer contributions plus accrued interest is paid.</p>
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<p>Early pension: The basic pension is reduced by 3% for each year that retirement is taken before age 58.</p>
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<p>Benefit adjustment: The pension is adjusted annually by the central government according to an actuarial evaluation.</p>
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<p><span class="h5">Old-age benefit (gratuity scheme):</span> Based on the insured's final salary, a lump sum of 15 days of wages for each year of continuous service is paid (a reduced amount is paid for partial years exceeding six months).</p>
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<p>The maximum benefit is 350,000 rupees.</p>
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<p>For seasonal employees, employers pay at the rate of seven days of wages for each season worked.</p>
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<p><span class="h5">Old-age pension (social assistance):</span> A basic pension of 200 rupees a month is paid. Additional amounts vary by state.</p>
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<h3>Permanent Disability Benefits</h3>
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<p><span class="h4">Disability benefits</span></p>
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<p><span class="h5">Disability benefit (provident fund):</span> A lump sum of total employee and employer contributions plus accrued interest is paid.</p>
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<p><span class="h5">Disability pension (pension scheme):</span> A monthly pension is paid based on the member's pensionable earnings or a lump sum of total employee and employer contributions plus accrued interest.</p>
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<p>The minimum earnings used to calculate pensions is 250 rupees.</p>
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<p>The minimum pension is 1,000 rupees a month.</p>
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<p>Pension adjustment: The pension is adjusted annually by the central government according to an actuarial evaluation.</p>
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<p><span class="h5">Disability benefit (gratuity scheme):</span> A lump sum of 15 days of the insured's last wage is paid for each year of continuous service before the disability began (a reduced amount is paid for partial years exceeding six months).</p>
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<p>The maximum benefit is 350,000 rupees.</p>
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<p>For seasonal employees, employers pay the gratuity at the rate of seven days of wages for each season worked.</p>
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<p><span class="h5">Disability pension (social assistance):</span> A basic pension of 200 rupees a month is paid. Amounts in addition to the basic pension vary by state.</p>
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<h3>Survivor Benefits</h3>
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<p><span class="h4">Survivor benefits</span></p>
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<p><span class="h5">Survivor benefit (provident fund):</span> A lump sum of total employee and employer contributions plus accrued interest is paid to a named survivor or split equally among all eligible family members.</p>
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<p>Death grant: Up to 2,000 rupees is paid.</p>
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<p><span class="h5">Survivor (deposit-linked) insurance scheme:</span> A lump sum is paid of the average balance of the deceased's provident fund account during the 12 months before death or during the period of membership, whichever is less.</p>
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<p>The maximum benefit is 130,000 rupees. The benefit is paid in addition to the provident fund survivor benefit.</p>
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<p><span class="h5">Spouse's pension (pension scheme):</span> 50% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid.</p>
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<p>The minimum spouse's pension is 450 rupees a month.</p>
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<p><span class="h5">Orphan's pension (pension scheme):</span> 25% of the spouse's pension is paid; 75% for full orphans.</p>
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<p>The minimum orphan's pension is 150 rupees a month (250 a month for full orphans).</p>
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<p><span class="h5">Other eligible survivors (pension scheme):</span> Up to 75% of the <span class="nobr">old-age</span> or disability pension the deceased received or was entitled to receive is paid.</p>
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<p>Benefit adjustment: The pension is adjusted annually by the central government according to an actuarial evaluation.</p>
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<p><span class="h5">Survivor benefit (gratuity scheme):</span> A lump sum of 15 days of the deceased's last wage is paid for each year of continuous service (a reduced amount is paid for partial years exceeding six months).</p>
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<p>The maximum benefit is 350,000 rupees.</p>
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<p>When seasonal employees die, employers pay the gratuity at the rate of seven days of wages for each season worked.</p>
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<p><span class="h5">Survivor grant (social assistance):</span> A lump sum of 10,000 rupees is paid.</p>
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<h3>Administrative Organization</h3>
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<p>Ministry of Labour and Employment (<a href="https://labour.gov.in/">http://www.labour.nic.in</a>) provides general supervision for most schemes.</p>
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<p>Employees' Provident Fund Organisation (<a href="https://www.epfindia.gov.in/">http://www.epfindia.com</a>) administers the provident fund program through regional, subregional, inspectorate, and subaccount offices.</p>
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<p>Central Board of Trustees of the Employees' Provident Fund, through a tripartite body comprising representatives of government, employers, and employees, administers the funds.</p>
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<p>Central and state authorities administer the gratuity scheme.</p>
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<p>Ministry of Rural Development (http://rural.nic.in) provides general supervision for social assistance schemes.</p>
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<p>National Social Assistance Programme administers social assistance <span class="nobr">old-age</span> pension and disability schemes.</p>
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<p>National Family Benefit Scheme administers survivor grants.</p>
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<h2>Sickness and Maternity</h2>
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<h3>Regulatory Framework</h3>
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<p><span class="h4">First and current laws:</span> 1948 (employees' state insurance), 1995 (social assistance), and 2008 (unorganized workers' social security).</p>
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<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
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<p>Note: Under a 1961 law (Maternity Benefit Act), implemented in 1963, employers provide maternity benefits to employees in factories and establishments not covered by the Employees' State Insurance Act of 1948.</p>
|
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<h3>Coverage</h3>
|
|
<p><span class="h4">Social insurance:</span> Employees earning from 100 rupees a day to 15,000 rupees a month (up to 25,000 rupees a month if disabled) and working in a factory or firm with at least 10 workers.</p>
|
|
<p>Employees working for government-run firms covered by equivalent private plans may opt out.</p>
|
|
<p>Coverage is being extended gradually, with 851 industrial centers currently covered. (The scheme has not been implemented in the states of Manipur, Sikkim, Arunachal Pradesh, or Mizoram.)</p>
|
|
<p>Exclusions: Self-employed persons, seasonal workers (less than seven months a year), agricultural workers, and workers in certain other sectors.</p>
|
|
<p>Voluntary coverage for medical benefits is available to previously insured retired persons.</p>
|
|
<p><span class="h4">Social assistance:</span> Needy pregnant women.</p>
|
|
<p>A national health insurance scheme covers qualified hospitalization and transport costs for needy individuals in most states.</p>
|
|
<p>Separate informal-sector schemes exist for certain artisans.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person</span></p>
|
|
<p><span class="h5">Social insurance:</span> 1.75% of earnings.</p>
|
|
<p>The insured person's contributions also finance work injury benefits and the unemployment allowance.</p>
|
|
<p>Voluntarily insured persons pay a <span class="nobr">flat-rate</span> of 10 rupees a month (medical benefits).</p>
|
|
<p><span class="h5">Social assistance:</span> None.</p>
|
|
<p><span class="h4">Self-employed person</span></p>
|
|
<p><span class="h5">Social insurance:</span> Not applicable.</p>
|
|
<p><span class="h5">Social assistance:</span> None.</p>
|
|
<p><span class="h4">Employer</span></p>
|
|
<p><span class="h5">Social insurance:</span> 4.75% of payroll.</p>
|
|
<p>The employer's contributions also finance work injury benefits and the unemployment allowance.</p>
|
|
<p><span class="h5">Social assistance:</span> None.</p>
|
|
<p><span class="h4">Government</span></p>
|
|
<p><span class="h5">Social insurance:</span> State governments pay 12.5% of the cost of medical benefits.</p>
|
|
<p>State government contributions also finance work injury medical benefits and the cost of necessary medical care for unemployment allowance beneficiaries and their dependents.</p>
|
|
<p><span class="h5">Social assistance:</span> The total cost.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Cash sickness benefits (social insurance):</span> Must have been in insured employment for at least 78 days during a six-month period before the incapacity began.</p>
|
|
<p>Extended sickness benefit: Younger than age 60, diagnosed with any of 34 malignant and <span class="nobr">long-term</span> diseases, and has exhausted normal cash sickness benefits. Must have been in insured employment for at least 156 days during the last two years, including at least 78 days of contributions during a six-month period before the incapacity began.</p>
|
|
<p><span class="h4">Cash maternity benefits (social insurance):</span> Must have been in insured employment for at least 70 days during two designated and consecutive six-month periods. Paid to an insured woman or to the wife of an insured man.</p>
|
|
<p>Confinement grant: Paid to an insured woman or to the wife of an insured man who gives birth in a health facility not registered with the Employees' State Insurance Corporation.</p>
|
|
<p><span class="h4">Janani Suraksha Yojana maternity grant (social assistance):</span> Paid to needy women aged 19 or older who give birth in a government health facility.</p>
|
|
<p><span class="h4">Medical benefits (social insurance):</span> Must be currently in insured employment or qualify for cash sickness benefits.</p>
|
|
<p><span class="h4">Funeral grant (social insurance):</span> Paid when the insured dies.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Sickness benefit (social insurance):</span> 70% of the insured's average daily wage is paid after a <span class="nobr">two-day</span> waiting period for up to 91 days in any two consecutive designated six-month periods.</p>
|
|
<p>Family planning (sterilization): Cash sickness benefit is paid at a double rate for seven days (men) or 14 days (women); may be extended if there are complications.</p>
|
|
<p>Extended sickness benefit: 80% of the insured's average daily wage is paid for 124 days; may be extended to 309 days under certain circumstances and up to two years with a recommendation from the medical board.</p>
|
|
<p><span class="h4">Maternity benefit (social insurance):</span> 100% of the insured's average earnings, according to wage class, is paid for up to 12 weeks (including up to six weeks before the expected date of childbirth); six weeks in the case of a miscarriage. The benefit may be extended by four weeks for medical reasons.</p>
|
|
<p>The minimum daily benefit is 25 rupees.</p>
|
|
<p>Confinement grant: A lump sum of 5,000 rupees is paid.</p>
|
|
<p><span class="h4">Janani Suraksha Yojana cash maternity grant (social assistance):</span> A lump sum of 600 rupees to 1,400 rupees is paid, depending on the geographic area. The grant is limited to two live births in states designated as high performing.</p>
|
|
<p><span class="h4">Funeral grant (social insurance):</span> A lump sum of up to 10,000 rupees for the cost of the funeral is paid to the dependents or to the person who performs the last rites.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Medical care is provided in different states through social insurance dispensaries and hospitals, state government services, or private doctors under contract. Benefits include outpatient treatment, specialist consultations, hospitalization, surgery and obstetric care, imaging and laboratory services, and transportation. Drugs, dressings, artificial limbs, aids, and appliances are provided free-of-charge.</p>
|
|
<p>Benefits are provided for three months to one year, according to the insured's contribution record.</p>
|
|
<h3>Dependents' Medical Benefits</h3>
|
|
<p>Medical benefits for dependents are the same as those for the insured. Eligible dependents include the spouse, children up to age 18 (age 21 if a student, no limit if disabled or an unmarried daughter), a widowed mother, and dependent parents.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labour and Employment (<a href="https://labour.gov.in/">http://www.labour.nic.in</a>) provides general supervision.</p>
|
|
<p>Employees' State Insurance Corporation (http://www.esic.nic.in), managed by a tripartite board and a Director General, administers the social insurance program through regional and local offices.</p>
|
|
<p>State governments oversee the provision of medical benefits through agreement with and reimbursement by the Employees' State Insurance Corporation, except in the National Capital Territory of Delhi and model hospitals where the Corporation provides medical benefits directly.</p>
|
|
<p>Employees' State Insurance Corporation oversees the provision of medical benefits in some cases.</p>
|
|
<p>National Rural Health Mission (http://nrhm.gov.in), under the Ministry of Health and Family Welfare, administers the social assistance scheme.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1923 (workmen's compensation).</p>
|
|
<p><span class="h4">Current law:</span> 1948 (employees' state insurance).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employees earning from 100 rupees a day to 15,000 rupees a month (up to 25,000 rupees a month if disabled) and working in a factory or firm with at least 10 workers.</p>
|
|
<p>Employees working for government-run firms covered by equivalent private plans may opt out.</p>
|
|
<p>Coverage is being extended gradually, with 790 industrial centers currently covered. (The scheme has not been implemented in the states of Manipur, Sikkim, Arunachal Pradesh, or Mizoram.)</p>
|
|
<p>Exclusions: Self-employed persons, seasonal workers (less than seven months a year), agricultural workers, and workers in certain other sectors.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> See source of funds under Sickness and Maternity.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> See source of funds under Sickness and Maternity.</p>
|
|
<p><span class="h4">Government:</span> See source of funds under Sickness and Maternity.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>90% of the insured's average daily wage is paid for the duration of the disability (must last at least three days).</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability pension:</span> A pension is paid according to the assessed loss of earning capacity.</p>
|
|
<p>The maximum daily rate is the temporary disability benefit daily rate (90% of the insured's average daily wage).</p>
|
|
<p>If the daily value of the pension is 10 rupees or less and the total value of the benefit does not exceed 60,000 rupees, the benefit may be paid as a lump sum.</p>
|
|
<p>Separate medical boards assess the loss of earning capacity resulting from a work injury or an occupational disease.</p>
|
|
<p>Partial disability: A percentage of the full pension is paid according to the assessed loss of earning capacity.</p>
|
|
<p>Benefit adjustment: The Employees' State Insurance Corporation periodically reviews benefits and adjusts them for inflation.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Services are provided in different states through social insurance dispensaries and hospitals, state government services, or private doctors under contract. Benefits include outpatient treatment; specialist consultations; hospitalization; surgery; obstetric care; imaging and laboratory services; transportation; and free medicine, dressings, artificial limbs, aids, and appliances.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Spouse's pension:</span> 60% of the total disability pension the deceased received or was entitled to receive (the average pension is 90% of the deceased's earnings) is paid to the <span class="nobr">widow(er).</span> If there is more than one widow, the benefit is split equally.</p>
|
|
<p><span class="h4">Orphan's pension:</span> 40% of the total disability pension the deceased received or was entitled to receive (the average pension is 90% of the deceased's earnings) is paid for an orphan younger than age 25 (no limit if disabled or an unmarried daughter).</p>
|
|
<p>All survivor benefits combined must not exceed 100% of the pension the deceased received or was entitled to receive.</p>
|
|
<p><span class="h4">Other eligible survivors:</span> If there is no <span class="nobr">widow(er)</span> or orphan, up to 40% of the total disability pension the deceased received or was entitled to receive is paid to other eligible survivors including the deceased's parents, grandparents, widowed mother, and other dependents younger than age 18 (no limit if an unmarried female).</p>
|
|
<p>The minimum monthly benefit is 1,200 rupees for each family.</p>
|
|
<p><span class="h4">Funeral grant:</span> A lump sum of up to 10,000 rupees for the cost of the funeral is paid to the oldest member of the family or to the person who pays for the funeral.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Labour and Employment (<a href="https://labour.gov.in/">http://www.labour.nic.in</a>) provides general supervision.</p>
|
|
<p>Employees' State Insurance Corporation (http://www.esic.nic.in), managed by a tripartite board and a Director General, administers the program through regional and local offices.</p>
|
|
<p>State governments oversee the provision of medical benefits through agreement with and reimbursement by the Employees' State Insurance Corporation.</p>
|
|
<p>Employees' State Insurance Corporation oversees the provision of medical benefits in some cases.</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First and current laws:</span> 1948 (state insurance) and 2005 (rural employment guarantee).</p>
|
|
<p><span class="h4">Type of program:</span> Social insurance and social assistance system.</p>
|
|
<h3>Coverage</h3>
|
|
<p><span class="h4">Social insurance:</span> Employees earning from 100 rupees a day to 15,000 rupees a month (up to 25,000 rupees a month if disabled) and working in a factory or firm with at least 10 workers.</p>
|
|
<p>Exclusions: Self-employed persons.</p>
|
|
<p><span class="h4">Social assistance:</span> Households in qualified rural areas.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> See source of funds under Sickness and Maternity.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> See source of funds under Sickness and Maternity.</p>
|
|
<p><span class="h4">Government:</span> See source of funds under Sickness and Maternity. State governments fund the rural employment guarantee (social assistance).</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Unemployment allowance (social insurance):</span> Must have at least three years of contributions, including three years of continuous employment before unemployment began. Unemployment must be due to the closure of the factory or firm, retrenchment, or an assessed nonwork-related disability of at least 40%.</p>
|
|
<p><span class="h4">National Rural Employment Guarantee scheme (social assistance):</span> A member of the household must volunteer to do unskilled manual work in qualified rural areas.</p>
|
|
<h3>Unemployment Benefits</h3>
|
|
<p><span class="h4">Unemployment allowance (social insurance):</span> 50% of the insured's average earnings is paid for up to one year.</p>
|
|
<p>Free medical care is also provided to beneficiaries and their dependents.</p>
|
|
<p><span class="h4">National Rural Employment Guarantee scheme (social assistance):</span> At least 100 days of unskilled manual work at minimum wage are guaranteed.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Employees' State Insurance Corporation (http://www.esic.nic.in), managed by a tripartite board and a Director General, administers the program through regional and local offices.</p>
|
|
<p>Ministry of Rural Development administers the National Rural Employment Guarantee (http://www.nrega.nic.in).</p>
|
|
</div>
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</article>
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