Legally required benefits

Article 38: To promote the welfare of the people by securing and protecting as it may social order social, economic and political justice Article 39: Policy towards securing health and strength of workers, men and women, and the tender age of children are not abused and are not forced by economic necessity to entr avocations unsuited to their age or strength Article 41: secure just and humane conditions of work and maternity relief

Article 43: secure all workers a living wage, conditions of work ensuring a decent standard of life and full enjoyment of leisure and social and cultural opportunities Article 47: Raise the standard of living

Workmens compensation Act, 1923 Employees State Insurance Act, 1948 Employees Provident Fund and Miscellaneous Provisions Act, 1952 Maternity Nbenefit Act, 1961 Payment of Gratuity Act, 1972 The Pension Ordinance, 1995 (amended in 1996)

Compensation to workers/their survivors in cases of industrial accident and occupational diseases resulting in disablement or death Death: 50% of monthly wages * relevant amount/Rs. 80,000/Permanent total disablement = 60% of monthly wages*relevant factor or Rs.90,000/-

Jointly run by central & state govt. Provide health care and cash benefits in case of maternity, sickness, employment injury Also applicable to non-seasonal employment Private sector exempted in case where similar benefits are better than those under the ESI scheme Operated in 27 states/union territories

Financed by contributions from employers and employees Employers share- 4.75% Employee share- 1.75% Companies like L&T, Bajaj Auto, VIP extended medical benefits beyond the ESI scheme

Applicalbe to 177 industries/classes of establishments employing 20 or more workers Wage ceiling for coverage = Rs.6,500 per month Benefits incled PF, deposit linked insurance and pension to workers and their families

Administered by EPF organisation (trustees & committees) Employers EPF contribution = 12% of pay and DA Employers Deposit linked insurance contribution = 0.5 % of pay (basic-DA-Cash value of food concession allowance) Employers contribution toward pension fund = 8.33% of pay

Corpus created will be paid toward death after retirement/superannuation/permanent total disablement, children pension and orphan pension Superannuation pension payable on attaining the age of 58 yrs and on completion of 20 full complete years of service or more Non-entitlement of pension for less than 10yrs of service, lump sum withdrawal benefit paid

Regulates employment of women before and after childbirth Provides 12 weeks maternity leave, medical bonus etc Not applicable to those covered under the ESI Act, 1948

Payment of gratuity @ half months wages for every completed year of service Maximum amount payable = Rs.3.5 lakh (w.e.f: 24th sep, 1997) Maximum payable amount= Rs. 10 lakh (w.e.f 1st Jan,2006) No wage ceiling

Job and income security for workers is covered Retrenchment, closure or lay-off requires notice, consultation, compensation and prior admin clearance from competent authority

Guarantees minimum wages Guarantees payment in stipulated time Payment of compensation in the event of retrenchment

Contributions to medical care Compulsory disclosure of information by management reg. the hazards of chemicals to workers, local public and factory inspector Preparation of emergency plans by employers Periodic health checkups Work environment standards Complete list of threshold limit values and short-term exposure limits

Contributions for medical care Reimbursement for hospitalisation (usually not exceeding 1 lakh in the whole tenure of employment) Progressive increase in medical reimbursement Full reimbursement Reimbursement for medical care related travel (patient & escort) Free medical checkups

financial ceilings Permissible to self, spouse and only two unmarried children up to 21 yrs of age 65% of actual cost Requires chemist bills accompanied by doctors prescription

To those who retire on being declare medically unfit To those who opt voluntary retirement scheme To superannuated employees