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Objective :- The Object of the Act is to secure sickness, Maternity, Disablement and
Dependants benefits to the dependents of such employee
Eligible :- Any person employed for wages (up to Rs. 10,000) in or in connection
with the work of a factory or establishment end.
Contribution :- Every Employee has to pay 1.75% and employer has to pay 4.75%
of the wages towards ESI contribution
Contribution Period
Benefit Period
2) Cash Benefit - :
[ a) Sickness Benefit, b) Maternity Benefit, c) Disablement Benefits,d) Dependent
Benefit,
e) Funeral Expenses ]
Objective :- The Object of the Act is to secure sickness, Maternity, Disablement and
Dependants benefits to the dependents of such employee
Eligible :- Any person employed for wages (up to Rs. 10,000) in or in connection
with the work of a factory or establishment end.
Contribution :- Every Employee has to pay 1.75% and employer has to pay 4.75%
of the wages towards ESI contribution
Contribution
Period Period
& Benefit Period :Contribution
Benefit Period
2) Cash Benefit - :
[ a) Sickness Benefit, b) Maternity Benefit, c) Disablement Benefits,d) Dependent
Benefit,
e) Funeral Expenses ]
Employees in receipt of average daily wage of Rs.50/or less. are exempted from payment of their share of
contribution but are entitled for all benefits under the
Scheme. However, employer has to pay employers
contribution on the wages paid to such employees.
PF.
PF
ESI
Admin.
Chges.
under PF
Total
1.75%
NIL
13.75%
Employers Share
12%
4.75%
1.61%
18.36%
Total:
24%
6.50%
1.61%
32.11%
Advantages
1.
2.
a)
a)
1.
2.
to Employers:
Benefits
to the Employees:
Medical Benefit
1.
2.
3.
i.
ii.
iii.
iv.
Extension
of Medical Benefit:
Sickness Benefit
1.
2.
1.
During the period of sickness an employee is entitled for the periodical payments is called sickness
benefit.
To avail the sickness benefit employee has to fulfill following conditions:
Employee has to be in insurable employment for a period of more than nine months and;
ESI contribution should have been payable for at least 78 days in relevant contribution period.
Maximum period for which this benefit can be avails is for 91 days in two consecutive benefit period
I.e. January to December.
There is a waiting period of 2 days. I.e. for the first two days of sickness no payments are made
except in a case if an employee is certified sick within a spell of 15 days of the last sickness benefit
paid.
The rates of payment varies from Rs.14- p.d. to Rs.125- p.d. averaging just above 50 percent of the
daily wages of an Insured person.
How to avail Sickness Benefit:
Insured person who is sick has to approach ESI Doctor to avail medical benefit. Doctor will issue him
medical certificate in appropriate Form. The period of certificate will not be for more than seven days.
This certificate duly signed on the back side shall be submitted to ESI Branch office preferably within
three days along with fitness certificate issued by the doctor.Then Branch office will give payment to
the insured person.
Insured person shall submit duplicate copy of the certificate to the employer for intimation for
remaining absent on health ground.
It may be noted that whenever an insured person is on ESI Leave he can either receive payment
from ESI Corporation or from his employer. Getting double payment is an offence.
Extended
Sickness Benefit
Maternity Benefit
Insured women are entitled for cash payment in case of
confinement or miscarriage or sickness arising out of
pregnancy is called maternity benefit.
This benefit is normally payable for 12 weeks. However, in
case sickness arising out of pregnancy duly certified by the
authorised Medical Officer additional one month benefit is
given.
The rate of benefit is double the standard sickness Benefit
rate, I.e. almost full wages.
To avail this benefit an insured women should have completed
nine months employment and contribution should have been
payable for not less than 70 days in in the immediately
preceding two consecutive contribution period corresponding
to the benefit period in which confinement occurs.
Disablement
1.
benefit
Dependents benefit
If an insured person dies as a result of employment
injury or occupational disease monthly pension is
paid to his dependents is called dependent benefit.
Dependants are: widow, legitimate or adopted
children's up to the age of 18 if not then parents or
grandparents.
The rate of monthly pension is roughly equivalent to
about 70% of the wage rate of the insured person.
The amount is distributed as 60% to widow and
balance 40% to the childrens.
1.
2.
3.
4.
5.
6.
7.
Rate of Contribution: PF
P.F.
E.P.S.
Adm.
Charges
Total
Employees'
Contribution
12%
NIL
NIL
12%
Employers
Contribution
3.67%
8.33%
1.61%
13.61%
15.67%
8.33%
1.61%
25.61%
Total
Death of an Employee : In case death of Employee, Form:- 5(IF) for insurance refund, Form:- 20 for
Provident fund withdrawal, Form 10 D for Pension Withdrawal
Table of various non refundable advances which an employee can avail under the Employees PF
Scheme.
Type of Benefit
Condition
Amt. Receivable.
Same as above
Same as above
Same as above
Same as above
Withdrawal Benefit :Employees who leave the service have two options.
1. To transfer their PF accumulation to the present establishment by filling
Form No. 13.
2. To apply for withdrawal of contribution by filling up Form No.19 & 10C
3. If the employee leaves the service before six months then the
employee is not entitled for withdrawal of EPS Scheme.
Employees Pension Scheme 1995 :Various benefits available under Employees Pension Scheme 1995
1. Monthly Members Pension Scheme.
2. Widow & Children Pension.
3. Orphan Pension.
4. Reduced Pension.
5. Disablement Pension.
Eligibility :An employee who has worked for more than 10 years or more and has
attained age of 58 years is entitled for pension.
1.
2.
3.
4.
5.
6.
7.
8.
9.
4)It is also observed that the Sub contractors are not returning the
Salary Sheet to the Consultant. It is therefore Suggested that the Sub
Contractor shall return the Signed salary sheet to Consultant without fail
in the same month as per schedule.
5) Data in attendance sheet should be as per prescribed period i. e.
21st to 20th.
6)Sometimes Salary Rate of all the employees are not given at a
time.The same shall be given together only and not in piecemeal.
7)Every month a list shall be obtained from Sub-contractor providing
details of new joiners with their Rate of Salary, Date of Joining & list of
employees who left the Services. As this list is required to prepare &
submit monthly return in Form 5-10 to Pf department and also for
updating of our records.