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Unit 13: The Employees’ State Insurance Act, 1948

13.4.4 Dependants’ Benefit Notes

The dependants’ benefit consists of timely help to the eligible dependants of an insured person
who dies as a result of an accident, or an occupational disease arising out, of, and in the course
of, employment. Pension at the rate of 40 per cent more than the standard benefit rate (70 per
cent of wages) will be paid periodically to the widow and children. It will be available to the
widow as long as she lives or until she marries; to sons’ and unmarried daughters up to the age
of 18 without any proof of education; and to infirm or wholly dependant offsprings long as the
infirmity lasts. Where .neither a widow nor a child is left, the dependants’ benefit is payable to a
dependant parent or grandparent for life, but equivalent to 3/10ths of the full rate; and if there
are two or more parents or grandparents, the amount payable to them shall ‘be equally divided
between them.

13.4.5 Funeral Benefit

This benefit was introduced in 1968. Accordingly an amount not exceeding rupees one thousand
five hundred is payable as funeral benefit to the eldest surviving member of the family of the
deceased insured person. The time limit for claiming the benefit is three months from the death
of the insured person.

13.4.6 Medical Benefit

The kingpin of the scheme is, medical benefit, which consists of free medical attendance and
treatment of insured persons and their families. This benefit has been divided into three parts:
(i) Restricted Medical Care: it consists of out-patient medical care at dispensaries or panel
clinics.
(ii) Expanded Medical Care: This consists of consultation with specialists and supply of such
medicines and drugs as may be prescribed by them.
(iii) Full Medical Care: It consists of hospitalisation facilities, services of specialists and such
drugs and diet as are required for in-patients.

An insured person and members of his family are entitled to medical care of all the above three
varieties.

13.4.7 Other Benefits

(a) Vocational rehabilitation: In case of disabled insured persons under 45 years of age with
40% or more disablement.
(b) Free supply of physical aids and appliances such as crutches, wheelchairs, spectacles and
other such physical aids.
(c) Preventive health cares services such as immunization, family welfare services, HIV/AIDS
detection, treatment etc.
(d) Medical bonus ` 250 is paid to an insured woman or in respect of the wife of an insured
person in case she does not avail hospital facilities of the scheme for child delivery.

Task As a Manager, what benefits will you provide to your female employees?

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