1. ACTS GOVERNING SOCIAL SECURITY MEASURES IN INDIA 2. NEED FOR SOCIAL SECURITY Social Security rotect! t"e !u#!

cri#er a$% "i!&"er e$tire 'a(ily #y )i*i$) #e$e'icial ac+a)e! i$ 'i$a$cial !ecurity a$% "ealt" care. It 'acilitate! eo le to la$ t"eir 'uture t"rou)" i$!ura$ce a$% a!!i!ta$ce. Social Security !c"e(e! are %e!i)$e% to )uara$tee at lea!t lo$),ter( !u!te$a$ce to 'a(ilie! -"e$ t"e ear$i$) (e(#er retire!. %ie! or !u''er! a %i!a#ility . /. 0OR1FORCE IN INDIA T"e %i(e$!io$! a$% co( le2itie! o' t"e ro#le( i$ I$%ia ca$ #e #etter a reciate% #y ta+i$) i$to co$!i%eratio$ t"e e2te$t o' t"e la#our 'orce i$ t"e or)a$i3e% a$% u$or)a$i3e% !ector!. 0"ile a! er t"e 1441 ce$!u!. t"e total -or+'orce -a! a#out /15 (illio$ a$% t"e or)a$i3e% !ector accou$te% 'or o$ly 26 (illio$ out o' t"i! -or+'orce. T"e NSSO7! !ur*ey o' 1444,2888 "a! e!ti(ate% t"at t"e -or+'orce "a% i$crea!e% to a#out /46 (illio$ out o' -"ic" o$ly 29 (illio$ -ere i$ t"e or)a$i3e% !ector. T"ere "a! #ee$ a )ro-t" o' o$ly a#out o$e (illio$ i$ t"e or)a$i3e% !ector i$ co( ari!o$ t"e )ro-t" o' a#out :: (illio$ i$ t"e u$or)a$i3e% !ector. 5. Or)a$i3e% !ector T"e or)a$i3e% !ector i$clu%e! ri(arily t"o!e e!ta#li!"(e$t! -"ic" are co*ere% #y t"e Factorie! Act. 1459. t"e S"o ! a$% Co((ercial E!ta#li!"(e$t! Act! o' State Go*er$(e$t!. t"e I$%u!trial E( loy(e$t Sta$%i$) Or%er! Act. 145; etc. T"i! !ector alrea%y "a! a !tructure t"rou)" -"ic" !ocial !ecurity #e$e'it! are e2te$%e% to -or+er! co*ere% u$%er t"e!e le)i!latio$!. :. U$or)a$i3e% !ector T"e u$or)a$i3e% !ector o$ t"e ot"er "a$%. i! c"aracteri3e% #y t"e lac+ o' la#our la- co*era)e. !ea!o$al a$% te( orary $ature o' occu atio$!. "i)" la#our (o#ility. %i! er!e% 'u$ctio$i$) o' o eratio$!. lac+ o' or)a$i3atio$al !u ort. etc. all o' -"ic" (a+e it *ul$era#le to !ocio,eco$o(ic "ar%!"i !. La$%le!! a)ricultural la#ourer!. 'ar(er!. er!o$! e$)a)e% i$ a$i(al "u!#a$%ry. 'i!"i$). "orticulture. #ee,+ee i$). rural arti!a$!. etc. 0"ere a! i$ t"e ur#a$ area!. it co( ri!e! (ai$ly o' (a$ual la#ourer! i$ co$!tructio$. car e$try. tra%e. tra$! ort. co((u$icatio$. !treet *e$%or!. "a-+er!. "ea% loa% -or+er!. )ar(e$t (a+er!. etc. ;. SYNO<SIS OF SOCIAL SECURITY LA0S T"e ri$ci al !ocial !ecurity la-! e$acte% i$ I$%ia are t"e 'ollo-i$)= T"e E( loyee!7 State I$!ura$ce Act. 1459 >ESI Act? T"e E( loyee!7 <ro*i%e$t Fu$%! @ Mi!cella$eou! <ro*i!io$! Act. 14:2 >E<F @ M< Act? T"e 0or+(e$7! Co( e$!atio$ Act. 142/ >0C Act?. T"e <ay(e$t o' Gratuity Act. 1462 ><.G. Act?. T"e Mater$ity #e$e'it Act.14;1. 6. T"e E( loyee!7 State I$!ura$ce Act. 1459 >ESI Act? T"e ro(ul)atio$ o' E( loyee!7 State I$!ura$ce Act. 1459 e$*i!a)e% a$ i$te)rate%

$ee% #a!e% !ocial i$!ura$ce !c"e(e t"at -oul% rotect t"e i$tere!t o' -or+er! i$ co$ti$)e$cie! !uc" a! !ic+$e!!. (ater$ity. te( orary or er(a$e$t "y!ical %i!a#le(e$t. %eat" %ue to e( loy(e$t i$Aury re!ulti$) i$ lo!! o' -a)e! or ear$i$) ca acity. T"e Act al!o )uara$tee! rea!o$a#ly )oo% (e%ical care to -or+er! a$% t"eir i((e%iate %e e$%a$t!. Follo-i$) t"e ro(ul)atio$ o' t"e ESI Act t"e Ce$tral Go*t. !et u t"e ESI Cor oratio$ to a%(i$i!ter t"e Sc"e(e. T"e Sc"e(e. t"erea'ter -a! 'ir!t i( le(e$te% at 1a$ ur a$% Del"i o$ 25t" Fe#ruary 14:2.

9. Be$e'it! T"e !ectio$ 5; o' t"e Act e$*i!a)e! 'ollo-i$) !ocial !ecurity #e$e'it! =, Me%ical #e$e'it Sic+$e!! #e$e'it >SB? >a? E2te$%e% Sic+$e!! Be$e'it >#? E$"a$ce% Sic+$e!! Be$e'it Mater$ity Be$e'it >MB? Di!a#le(e$t Be$e'it >a? Te( orary %i!a#le(e$t #e$e'it >TDB? >#? <er(a$e$t %i!a#le(e$t #e$e'it ><DB? Fu$eral E2 e$!e! 4. T"e E( loyee!7 <ro*i%e$t Fu$%! @ Mi!cella$eou! <ro*i!io$! Act. 14:2 >E<F @ M< Act? T"e E<F @ M< Act. 14:2 -a! e$acte% #y <arlia(e$t a$% ca(e i$to 'orce -it" e''ect 'ro( 15t" Marc".14:2. A !erie! o' le)i!lati*e i$ter*e$tio$! -ere (a%e i$ t"i! %irectio$. i$clu%i$) t"e E( loyee!C <ro*i%e$t Fu$%! @ Mi!cella$eou! <ro*i!io$! Act. 14:2. <re!e$tly. t"e 'ollo-i$) !c"e(e! are i$ o eratio$ u$%er t"e Act= E( loyee!C <ro*i%e$t Fu$% Sc"e(e. 14:2 E( loyee!C <e$!io$ Sc"e(e. 144: >re laci$) t"e E( loyee!C Fa(ily <e$!io$ Sc"e(e. 1461? E( loyee!C De o!it Li$+e% I$!ura$ce Sc"e(e. 146; T"e E( loyee!C <ro*i%e$t Fu$% Or)a$i3atio$. I$%ia. i! o$e o' t"e lar)e!t ro*i%e$t 'u$% i$!titutio$! i$ t"e -orl% i$ ter(! o' (e(#er! a$% *olu(e o' 'i$a$cial tra$!actio$! t"at it "a! #ee$ carryi$) o$. 18. E( loyee!C <ro*i%e$t Fu$% Sc"e(e. 14:2 E( loyee <ro*i%e$t Fu$% Sc"e(e= 0"ic" a lie! to ! eci'ic !c"e%ule% 'actorie! a$% e!ta#li!"(e$t! e( loyi$) 28 or (ore e( loyee! a$% e$!ure! ter(i$al #e$e'it! to ro*i%e$t 'u$%. !u era$$uatio$ e$!io$. a$% 'a(ily e$!io$ i$ ca!e o' %eat" %uri$) !er*ice. E( loyee!C <ro*i%e$t Fu$% Sc"e(e ta+e! care o' 'ollo-i$) $ee%! o' t"e (e(#er!= Retire(e$t Me%ical Care Dou!i$) Fa(ily o#li)atio$ E%ucatio$ o' C"il%re$ Fi$a$ci$) o' I$!ura$ce <olice! 11. BENEFITS A (e(#er o' t"e ro*i%e$t 'u$% ca$ -it"%ra- 'ull a(ou$t at t"e cre%it i$ t"e 'u$% o$ retire(e$t 'ro( !er*ice a'ter attai$i$) t"e a)e o' :: year. Full a(ou$t i$ ro*i%e$t 'u$% ca$ al!o #e -it"%ra- #y t"e (e(#er u$%er t"e 'ollo-i$) circu(!ta$ce= A (e(#er -"o "a! $ot attai$e% t"e a)e o' :: year at t"e ti(e o' ter(i$atio$ o' !er*ice. A (e(#er i! retire% o$ accou$t o' er(a$e$t a$% total %i!a#le(e$t %ue to #o%ily or (e$tal i$'ir(ity. O$ (i)ratio$ 'ro( I$%ia 'or er(a$e$t !ettle(e$t a#roa% or 'or ta+i$) e( loy(e$t a#roa%.

12. 0it"%ra-al #e'ore retire(e$t = A (e(#er ca$ -it"%ra- u to 48E o' t"e a(ou$t o' ro*i%e$t 'u$% at cre%it a'ter attai$i$) t"e a)e o' :5 year! or -it"i$ o$e year #e'ore actual retire(e$t. Clai( a licatio$ i$ 'or( 14 (ay #e !u#(itte% to t"e co$cer$e% <ro*i%e$t Fu$% O''ice. Accu(ulatio$! o' a %ecea!e% (e(#er = A(ou$t o' <ro*i%e$t Fu$% at t"e cre%it o' t"e %ecea!e% (e(#er i! aya#le to $o(i$ee!& le)al "eir!. Clai( a licatio$ i$ 'or( 28 (ay #e !u#(itte% to t"e co$cer$e% <ro*i%e$t Fu$% O''ice. 1/. T"e 0or+(e$C! Co( e$!atio$ Act. 142/ I! o$e o' t"e i( orta$t !ocial !ecurity le)i!latio$!. It ai(! at ro*i%i$) 'i$a$cial rotectio$ to -or+(e$ a$% t"eir %e e$%a$t! i$ ca!e o' acci%e$tal i$Aury #y (ea$! o' ay(e$t o' co( e$!atio$ #y t"e e( loyer! . 0DO IS A 0OR1MAN 0or+(a$ (ea$! a$y er!o$ >ot"er t"a$ a er!o$ -"o!e e( loy(e$t i! o' a ca!ual $ature a$% -"o i! e( loye% ot"er-i!e t"a$ 'or t"e ur o!e! o' t"e e( loyer7! tra%e or #u!i$e!!? -"o i!, a rail-ay !er*a$t a! %e'i$e% i$ !ectio$ / o' t"e I$%ia$ Rail-ay! Act. 1948 $ot er(a$e$tly e( loye% i$ a$y a%(i$i!trati*e. %i!trict or !u#,%i*i!io$al o''ice o' a rail-ay a$% $ot e( loye% i$ a$y !uc" ca acity a! i! ! eci'ie% i$ Sc"e%ule II. or e( loye% i$ a$y !uc" ca acity a! i! ! eci'ie% i$ Sc"e%ule II. ro*i!io$! o' t"e Act "a*e #ee$ e2te$%e% to coo+! e( loye% i$ "otel!. re!taura$t! u!i$) o-er. liFue'ie% etroleu( )a! or a$y ot"er (ec"a$ical %e*ice i$ t"e roce!! o' coo+i$) . Co( e$!atio$ I$ ca!e o' %eat" t"e (i$i(u( a(ou$t o' co( e$!atio$ 'i2e% i! R!.. 98.888 a$% R!. 48.888 i$ ca!e o' er(a$e$t total %i!a#le(e$t. T"e (a2i(u( a(ou$t o' co( e$!atio$ aya#le i! R!. 5.:; la+" i$ t"e ca!e o' %eat" a$% R!. :.59 la+" i$ t"e ca!e o' er(a$e$t total %i!a#le(e$t. 15. EM<LOYER7S LIABILITY FOR COM<ENSATION >ACCIDENTS? T"e e( loyer o' a$y e!ta#li!"(e$t co*ere% u$%er t"i! Act. i! reFuire% to co( e$!ate a$ e( loyee = 0"o "a! !u''ere% a$ acci%e$t ari!i$) out o' a$% i$ t"e cour!e o' "i! e( loy(e$t. re!ulti$) i$to >i? %eat". >ii? er(a$e$t total %i!a#le(e$t. >iii? er(a$e$t artial %i!a#le(e$t. or >i*? te( orary %i!a#le(e$t -"et"er total or artial. or>*? occu atio$al %i!ea!e. DO0EVER TDE EM<LOYER SDALL NOT BE LIABLE I$ re! ect o' a$y i$Aury -"ic" %oe! $ot re!ult i$ t"e total or artial %i!a#le(e$t o' t"e -or+(e$ 'or a erio% e2cee%i$) t"ree %ay! G I$ re! ect o' a$y i$Aury $ot re!ulti$) i$ %eat". cau!e% #y a$ acci%e$t -"ic" i! attri#uta#le to , t"e -or+(e$ "a*i$) #ee$ at t"e ti(e t"ereo' u$%er t"e i$'lue$ce or %ru)!. or t"e -ill'ul re(o*al or %i!re)ar% #y t"e -or+(e$ o' a$y !a'e)uar%!. -"e$ t"e e( loyee "a! co$tacte% a %i!ea!e -"ic" i! $ot %irectly attri#uta#le to a ! eci'ic i$Aury cau!e% #y t"e acci%e$t or to t"e occu atio$. 1:. T"e <ay(e$t o' Gratuity Act. 1462 ><.G. Act ? 0"ic" ro*i%e! 1: %ay! -a)e! 'or eac" year o' !er*ice to e( loyee! -"o "a*e -or+e% 'or 'i*e

year! or (ore i$ 'actorie!. e!ta#li!"(e$t! "a*i$) a (i$i(u( o' 18 -or+er!. T"e (a2i(u( a(ou$t o' )ratuity aya#le i! R!. /.:8.888&,.

1;. T"e Mater$ity Act.14;1 E*ery -o(a$ !"all #e e$title% to. a$% "er e( loyer !"all #e lia#le 'or. t"e ay(e$t o' (ater$ity #e$e'it. -"ic" i! t"e a(ou$t aya#le to "er at t"e rate o' t"e a*era)e %aily -a)e 'or $ot le!! t"a$ 12 -ee+! i.e. rece%i$) a$% 'ollo-i$) t"e %ay o' "er %eli*ery %oe! $ot e2cee% 12 -ee+!. 16. FACTORIES ACT 1459 19. T"e Factorie! Act. 1459 T"e Factorie! Act. i! a !ocial le)i!latio$ -"ic" "a! #ee$ e$acte% 'or occu atio$al !a'ety. "ealt" a$% -el'are o' -or+er! at -or+ lace!. Factorie! co*ere% u$%er t"e Factorie! Act H T"e i$%u!trie! i$ -"ic" 18 or (ore t"a$ 18 -or+er! are e( loye% o$ a$y %ay o' t"e rece%i$) 12 (o$t"! a$% are e$)a)e% i$ (a$u'acturi$) roce!! #ei$) carrie% out -it" t"e ai% o' o-er. T"e i$%u!trie! i$ -"ic" 28 or (ore t"a$ 28 -or+er! are e( loye% i$ (a$u'acturi$) roce!! #ei$) carrie% out -it"out t"e ai% o' o-er. 14. 0el'are Mea!ure! H Factorie! Act 0a!"i$) Facilitie! Facilitie! 'or !tori$) a$% %ryi$) clot"i$) Facilitie! 'or !itti$) Fir!t H ai% a lia$ce! Ca$tee$! S"elter!. re!t roo(! a$% lu$c" roo(! Crec"e! 0el'are o''icer! 28. 0a!"i$) Facilitie! H I$ e*ery Factory H A%eFuate a$% !uita#le 'acilitie! 'or -a!"i$) !"all #e ro*i%e% a$% (ai$tai$e% 'or t"e u!e o' t"e -or+er! t"erei$. Se arate a$% a%eFuately !cree$e% 'acilitie! !"all #e ro*i%e% 'or t"e u!e o' (ale a$% 'e(ale -or+er! . Suc" 'acilitie! !"all #e co$*e$ie$tly acce!!i#le a$% !"all #e +e t clea$. 21. Facilitie! 'or !tori$) a$% %ryi$) Clot"i$) H T"e State Go*er$(e$t (ay. i$ re! ect o' a$y 'actory or cla!! or %e!cri tio$ o' 'actorie!. (a+e rule! reFuiri$) t"e ro*i!io$ t"erei$ o' !uita#le lace! 'or +ee i$) clot"i$) $ot -or$ %uri$) -or+i$) "our! a$% 'or tile %ryi$) o' -et clot"i$). Facilitie! 'or !itti$) H Suita#le arra$)e(e$t! 'or !itti$) !"all #e ro*i%e% a$% (ai$tai$e% 'or all -or+er! o#li)e% to -or+ i$ a !ta$%i$) o!itio$. 22. T"e C"ie' I$! ector (ay. #y or%er i$ -riti$). reFuire t"e occu ier o' t"e 'actory to ro*i%e #e'ore a ! eci'ie% %ate !itti$) arra$)e(e$t! a! (ay #e ractica#le 'or all -or+er! !o e$)a)e% or -or+i$). T"e State Go*er$(e$t (ay. #y $oti'icatio$ i$ t"e O''icial Ga3ette. %eclare t"at t"e ro*i!io$! o' !u#,!ectio$ >1? !"all $ot a ly to a$y ! eci'ie% 'actory or (a$u'acturi$) roce!!. Fir!t H ai% a lia$ce! H T"ere !"all i$ e*ery 'actory #e ro*i%e% a$% (ai$tai$e%. !o a! to #e rea%ily acce!!i#le %uri$) all -or+i$) "our!. 'ir!t,ai% #o2e! or cu #oar%! eFui e% -it" t"e re!cri#e% co$te$t!.

2/. T"ere !"all i$ e*ery 'actory #e ro*i%e% a$% (ai$tai$e%. !o a! to #e rea%ily acce!!i#le %uri$) all -or+i$) "our!. 'ir!t,ai% #o2e! or cu #oar%! eFui e% -it" t"e re!cri#e% co$te$t!. T"e $u(#er o' !uc" #o2e! or cu #oar%! !"all $ot #e le!! t"a$ 1 'or e*ery 1:8 -or+er! or%i$arily e( loye% i$ t"e 'actory. Not"i$) e2ce t t"e re!cri#e% co$te$t! !"all #e +e t i$ a 'ir!t,ai% #o2 or cu #oar%. Eac" 'ir!t,ai% #o2 or cu #oar% !"all #e +e t i$ t"e c"ar)e o' a !e arate re! o$!i#le er!o$. -"o "ol%! a certi'icate i$ 'ir!t,ai% treat(e$t reco)$i3e% #y t"e State Go*er$(e$t a$% -"o !"all al-ay! #e rea%ily a*aila#le %uri$) t"e -or+i$) "our! o' t"e 'actory. 25. I$ e*ery 'actory -"erei$ (ore t"a$ :88 -or+er! are or%i$arily e( loye%. t"ere !"all #e ro*i%e% a$% (ai$tai$e% a$ a(#ula$ce roo( o' t"e re!cri#e% !i3e. co$tai$i$) t"e re!cri#e% eFui (e$t a$% i$ t"e c"ar)e o' !uc" (e%ical a$% $ur!i$) !ta'' a! (ay #e re!cri#e% a$% t"o!e 'acilitie! !"all al-ay! #e (a%e rea%ily a*aila#le %uri$) t"e -or+i$) "our! o' t"e 'actory. Ca$tee$! H T"e State Go*er$(e$t (ay (a+e rule! reFuiri$) t"at i$ a$y ! eci'ie% 'actory -"erei$ (ore t"a$ 2:8 -or+er! are or%i$arily e( loye%. a ca$tee$ or ca$tee$! !"all #e ro*i%e% a$% (ai$tai$e% #y t"e occu ier 'or t"e u!e o' t"e -or+er!. 2:. Suc" rule! (ay ro*i%e 'or, T"e %ate #y -"ic" !uc" ca$tee$ !"all #e ro*i%e%. T"e !ta$%ar%! i$ re! ect o' co$!tructio$. acco((o%atio$. 'ur$iture a$% ot"er eFui (e$t o' t"e ca$tee$ . T"e 'oo%!tu''! to #e !er*e% t"erei$ a$% t"e c"ar)e! -"ic" (ay #e (a%e t"ere'ore. T"e co$!titutio$ o' a (a$a)i$) co((ittee 'or t"e ca$tee$ a$% re re!e$tatio$ o' t"e -or+er! i$ t"e (a$a)e(e$t o' t"e ca$tee$. 2;. T"e ite(! o' e2 e$%iture i$ t"e ru$$i$) o' t"e ca$tee$ -"ic" are $ot to #e ta+e$ i$to accou$t i$ 'i2i$) t"e co!t o' 'oo%!tu''! a$% -"ic" !"all #e #or$e #y t"e e( loyer. S"elter!. re!t roo(! a$% lu$c" roo(! H I$ e*ery 'actory -"erei$ (ore t"a$ 1:8 -or+er! are or%i$arily e( loye%. a%eFuate a$% !uita#le !"elter! or re!t roo(! a$% a !uita#le lu$c" roo(. -it" ro*i!io$ 'or %ri$+i$) -ater. -"ere -or+er! ca$ eat (eal! #rou)"t #y t"e(. !"all #e ro*i%e% a$% (ai$tai$e% 'or t"e u!e o' t"e -or+er!. 26. T"e !"elter! or re!t roo(! or lu$c" roo(! to #e ro*i%e% u$%er !u#, !ectio$ >1? !"all #e !u''icie$tly li)"te% a$% *e$tilate% a$% !"all #e (ai$tai$e% i$ a cool a$% clea$ co$%itio$. T"e State Go*er$(e$t (ay, <re!cri#e t"e !ta$%ar%! i$ re! ect o' co$!tructio$. acco((o%atio$. 'ur$iture a$% ot"er eFui (e$t o' !"elter!. re!t roo(! a$% lu$c" roo(! to #e ro*i%e% u$%er t"i! !ectio$. By $oti'icatio$ i$ t"e O''icial Ga3ette. e2e( t a$y 'actory or cla!! or %e!cri tio$ o' 'actorie! 'ro( t"e reFuire(e$t! o' t"i! !ectio$. 29. Crec"e! H I$ e*ery 'actory -"erei$ (ore t"a$ :8 -o(e$ -or+er! are or%i$arily e( loye% t"ere !"all #e ro*i%e% a$% (ai$tai$e% a !uita#le roo( or

roo(! 'or t"e u!e o' c"il%re$ u$%er t"e a)e o' !i2 year! o' !uc" -o(e$. Suc" roo(! !"all ro*i%e a%eFuate acco((o%atio$. !"all #e a%eFuately li)"te% a$% *e$tilate%. !"all #e (ai$tai$e% i$ a clea$ a$% !a$itary co$%itio$ a$% !"all #e u$%er t"e c"ar)e o' -o(e$ trai$e% i$ t"e care o' c"il%re$ a$% i$'a$t!.

24. T"e State Go*er$(e$t (ay (a+e rule!, <re!cri#i$) t"e locatio$ a$% t"e !ta$%ar%! i$ re! ect o' co$!tructio$. acco((o%atio$ 'ur$iture a$% ot"er eFui (e$t o' roo(! to #e ro*i%e% u$%er t"i! !ectio$. ReFuiri$) t"e ro*i!io$ i$ a$y 'actory o' 'ree (il+ or re're!"(e$t or #ot" 'or !uc" c"il%re$. ReFuiri$) t"at 'acilitie! !"all #e )i*e$ i$ a$y 'actory 'or t"e (ot"er! o' !uc" c"il%re$ to 'ee% t"e( at t"e $ece!!ary i$ter*al!. ReFuiri$) !uita#le ro*i!io$ o' 'acilitie! 'or -a!"i$) a$% c"a$)i$) t"e clot"i$) o' c"il%re$. /8. 0el'are o''icer! H I$ e*ery 'actory -"erei$ :88 or (ore -or+er! are or%i$arily e( loye% t"e occu ier !"all e( loy i$ t"e 'actory !uc" $u(#er o' -el'are o''icer! a! (ay #e re!cri#e%. T"e State Go*er$(e$t (ay re!cri#e t"e %utie!. Fuali'icatio$! a$% co$%itio$! o' !er*ice o' o''icer! e( loye% u$%er t"e a#o*e !u#,!ectio$. /1. <ro*i%e$t 'u$% /2. <ro*i%e$t 'u$% A art o' your !alary i! %e%ucte% e*ery (o$t" a$% %e o!ite% o$ your #e"al'. I' you -or+ i$ a ri*ate 'ir( t"e$ t"e co( a$y ay! t"e !a(e a(ou$t a! it i! %e%ucte% 'ro( your accou$t a$% -"e$ you lea*e t"e 'ir( you ca$ a ly a$% -it"%ra- t"e a(ou$t !a*e%. ItC! actually your er!o$al !a*i$) o' your ear$i$)!. I' you are i$ )o*er$(e$t !er*ice t"e$ you -ill )et t"e lu( !u( -"e$ you retire. //. <ro*i%e$t Fu$%! a$% Mi!cella$eou! <ro*i!io$! Act. ro*i%e! 'or co( ul!ory co$tri#utory 'u$% 'or t"e 'uture o' a$ e( loyee a'ter "i! retire(e$t or 'or "i! %e e$%e$t! i$ ca!e o' "i! early %eat".It e2te$%! to t"e -"ole o' I$%ia e2ce t t"e State o' Ia((u a$% 1a!"(ir a$% i! a lica#le to= e*ery 'actory e$)a)e% i$ a$y i$%u!try ! eci'ie% i$ Sc"e%ule 1 i$ -"ic" 28 or (ore er!o$! are e( loye%G e*ery ot"er e!ta#li!"(e$t e( loyi$) 28 or (ore er!o$! or cla!! o' !uc" e!ta#li!"(e$t! -"ic" t"e Ce$tral Go*t. (ay $oti'yG /5. E( loyee!C <ro*i%e$t Fu$%! @ Mi!cella$eou! <ro*i!io$! Act. 14:2 O#Aecti*e ro(oti$) a$% !ecuri$) t"e -ell #ei$) o' t"e e( loyee! #y -ay o' ro*i%e$t 'u$%. 'a(ily e$!io$ a$% i$!ura$ce to t"e(. i$culcati$) a "a#it o' !a*i$) a(o$)!t -or+er!. ro*i%i$) a !tea%y -or+'orce to t"e e( loyer! a$% a!!i!ti$) t"e )o*er$(e$t #y ro*i%i$) 'u$%! o' co$!i%era#le (a)$itu%e 'or utili3atio$ o$ *ariou! roAect! (ea$t 'or ro(oti$) eco$o(ic a$% !ocial %e*elo (e$t o' t"e cou$try a$% t"e -ell #ei$) o' it! eo le.

/:. A lica#ility T"e Act !"all a ly to e*ery e!ta#li!"(e$t -"ic" i! a 'actory e$)a)e% i$ a$y i$%u!try (e$tio$e% i$ !c"e%ule I o' t"e Act a$% e( loyi$) 28 or (ore er!o$! or a$y ot"er e!ta#li!"(e$t e( loyi$) t-e$ty or (ore er!o$! or !uc" ot"er e!ta#li!"(e$t a! t"e ce$tral Go*er$(e$t (ay $oti'y. /;. E( loyee! <ro*i%e$t Fu$%! a$% Mi!cella$eou! <ro*i!io$! Act. 14:2 SCDEMES E( loyee! <ro*i%e$t Fu$%! Sc"e(e.14:2 H !ec : E( loyee! <e$!io$ Sc"e(e.144: H !ec ;A E( loyee! De o!it,Li$+e% I$!ura$ce Sc"e(e.146; H !ec ;C REGULATORY MECDANISM Ce$tral Boar% , !ectio$ :A E2ecuti*e Co((ittee H !ectio$ :AA State Boar% , !ectio$ :B Ce$tral Go*er$(e$t De(a$t Sa"ai A!!ociate! A%*ocate! /6. Co$tri#utio$ o' E( loyee 12E o' t"e <ay. J K<ayL i$clu%e! #a!ic -a)e!M -it" %ear$e!! allo-a$ce. retai$i$) allo-a$ce. VOLUNTARY CONTRIBUTION= , Me(#er !"all #e at li#erty to (a+e *olu$tary co$tri#utio$ .Mi$i(u( <F Co$tri#utio$= 12E. Ma2i(u( <F Co$tri#utio$= 188E o' t"e <ay. M Ta2 Be$e'it! to t"e co$tri#utio$ are a lica#le a! er I$co(e Ta2 Rule!. E( loyer7! Co$tri#utio$! EFual to 12E o' t"e <ay o' e( loyee /9. E( loyee!7 <ro*i%e$t Fu$% Sc"e(e. 14:2 0"at e( loyee )et!. Be$e'it Structure Accu(ulate% Bala$ce ai% out o$ retire(e$t. Bala$ce N E( loyee a$% E( loyer Co$tri#utio$! O I$tere!t cre%ite% H No$,re'u$%a#le Loa$! /4. TO<IC = <ENSION FUND AS A MEAN OF SOCIAL SECURITY DRM <RESENTATION 58. MEANING OF TDE TERM SOCIAL SECURITY Social !ecurity = <ri(arily re'er! to !ocial -el'are !er*ice co$cer$e% -it" !ocial rotectio$. or rotectio$ a)ai$!t !ocially reco)$i3e% co$%itio$!. i$clu%i$) o*erty. ol% a)e. %i!a#ility. u$e( loy(e$t a$% ot"er! . Social !ecurity (ay re'er to= 1? Social i$!ura$ce 2? i$co(e (ai$te$a$ce /? Ser*ice! 5? #a!ic !ecurity 51. CONTD P. Social i$!ura$ce, -"ere eo le recei*e #e$e'it! or !er*ice! i$ reco)$itio$ o' co$tri#utio$! to a$ i$!ura$ce !c"e(e. T"e!e !er*ice! ty ically i$clu%e ro*i!io$ 'or retire(e$t e$!io$!. %i!a#ility i$!ura$ce. !ur*i*or #e$e'it! a$% u$e( loy(e$t i$!ura$ce. I$co(e (ai$te$a$ce Q(ai$ly t"e %i!tri#utio$ o' ca!" i$ t"e e*e$t o' i$terru tio$ o' e( loy(e$t. i$clu%i$) retire(e$t. %i!a#ility a$% u$e( loy(e$t Ser*ice! ro*i%e% #y a%(i$i!tratio$! re! o$!i#le 'or !ocial !ecurity. I$ %i''ere$t cou$trie! t"i! (ay i$clu%e (e%ical care. a! ect! o' !ocial -or+ a$% e*e$ i$%u!trial relatio$!. Ba!ic !ecurity . a ter( rou)"ly eFui*ale$t to acce!! to #a!ic $ece!!itie!Qt"i$)! !uc" a! 'oo%. clot"i$). !"elter. e%ucatio$ a$% (e%ical care

52. NEED FOR SOCIAL SECURITY <o*erty i$ I$%ia oi$t! to-ar%! t"e $ee% to a%o t a -i%er co$ce t o' !ocial !ecurity t"at -oul% i$clu%e #ot" ro(otio$al a$% rotecti*e !ocial !ecurity <re*e$tio$ a)ai$!t i$crea!e! i$ %e ri*atio$ a$% t"e ro(otio$ o' #etter c"a$ce! o' i$%i*i%ual %e*elo (e$t . <ro*i%e! 'i$a$cial relie' at t"e ti(e o' %i!tre!!. <eo le all o*er t"e -orl% are li*i$) lo$)er. "a*i$) 'e-er c"il%re$. a$% e2 ecti$) "i)"er !ta$%ar%! o' li*i$) i$ t"eir retire(e$t year!. T"e (o!t i( orta$t 'eature !"are% #y all t"e!e -or+er! i! t"e a#!e$ce o' a$y !ort o' rotectio$= -"et"er it #e e( loy(e$t !ecurity. e$!io$. or co*era)e 'or ri!+! !uc" a! ill "ealt". acci%e$t!. %eat" 5/. A''ect! la#our ro%ucti*ity a$% t"u! "a! i( licatio$! t"at e2te$% 'ar #eyo$% t"e -or+er! a$% t"eir 'a(ilie! t"e(!el*e! 0it" I$%iaC! tra%itio$al (ea$! o' !u ort >t"e e2te$%e% 'a(ily?. )ra%ually #rea+i$) %o-$ a "u)e. i( o*eri!"e% a$% a)i$) !e)(e$t o' t"e o ulatio$ i! #eco(i$) a$ e$or(ou! %rai$ o$ t"e cou$tryC! re!ource!. A! eo le )ro- ol%er t"e e2 e$%iture o$ t"eir "ealt" al!o i$crea!e!. 0"ile !ocial !ecurity !y!te(! are (ea$t to ta+e care o' t"e re%u$%a$t&u$e( loye% or t"e u$e( loya#le. !el',accu(ulate% retire(e$t !a*i$)! are t"e o$ly !a*iour 'or citi3e$! o' cou$trie! -"ere 'or(al !ocial !ecurity !y!te(! %o$7t e2i!t CONTD P. 55. <ENSION A e$!io$ i! a !tea%y i$co(e )i*e$ to a er!o$ >u!ually a'ter retire(e$t?. <e$!io$! are ty ically ay(e$t! (a%e i$ t"e 'or( o' a )uara$tee% a$$uity to a retire% or %i!a#le% e( loyee. Occu atio$al e$!io$! are a 'or( o' %e'erre% co( e$!atio$. u!ually a%*a$ta)eou! to e( loyee a$% e( loyer 'or ta2 rea!o$!. Ma$y e$!io$! al!o co$tai$ a$ i$!ura$ce a! ect. !i$ce t"ey o'te$ -ill ay #e$e'it! to !ur*i*or! or %i!a#le% #e$e'iciarie!. -"ile a$$uity i$co(e i$!ure! a)ai$!t t"e ri!+ o' lo$)e*ity. A <e$!io$ 'u$% i! a ool o' a!!et! 'or(i$) a$ i$%e e$%e$t le)al e$tity t"at are #ou)"t -it" t"e co$tri#utio$! to a e$!io$ la$ 'or t"e e2clu!i*e ur o!e o' 'i$a$ci$) e$!io$ la$ #e$e'it!. <ENSION FUND 5:. SOCIAL SECURITY ACTS <ASSED BY TDE GOVT . 0OR1MEN7S COM<ENSATION ACT EM<LOYEE STATE INSURANCE ACT EM<LOYEE <ROVIDENT FUND ACT MATERNITY BENEFIT ACT <AYMENT OF GRATUITY ACT 5;. EM<LOYEE <ROVIDENT FUND E( loyee! <ro*i%e$t Fu$%! Sc"e(e. 14:2 . E( loyee! De o!it,Li$+e% I$!ura$ce Sc"e(e. 146; . E( loyee! <e$!io$ Sc"e(e 144: >Earlier t"e E( loyee! Fa(ily <e$!io$ Sc"e(e. 1461? . 56. E( loyee! <ro*i%e$t Fu$%! Sc"e(e. 14:2 To ro*i%e ol%,a)e a$% o!t !er*ice 'i$a$cial !u ort to t"e -or+er! i$ )e$eral e( loye% i$ I$%u!trial @ Co((ercial Sector e!ta#li!"(e$t!. T"e !c"e(e ro*i%e% 'or ro*i%e$t 'u$%

!y!te( o$ co$tri#utory #a!i! #y t"e E( loyer! a$% t"e E( loyee! at eFual rate. It (a%e a*aila#le to t"e e( loyee co$cer$e% t"e accretio$! i$ t"e <ro*i%e$t Fu$% a&c -it" i$tere!t i$ lu( !u( o$ retire(e$t or lea*i$) t"e Ao#.

59. CONTRIBUTION OF TDE EM<LOYEE 12E OF TDE <AY > INCLUDING BASIC 0AGES ? VOLUNTARY CONTRIBUTION BY EM<LOYEE EM<LOYER CANNOT REDUCE <AY MINIMUM CONTRIBUTION H 12E MARIMUM CONTRIBUTION H 188E TAR BENEFITS A<<LICABLE AS <ER INCOME TAR RULES CONTRIBUTION BY TDE EM<LOYER ESUAL TO 12E <AY OF TDE EM<LOYEE E<S H 9.//E OF <ENSIONBLE SALARY <F H 12E <AY H E<S 54. OTDER <ROVISIONS IN TDIS ACT A$ e( loyee (ay #e allo-e% to (a+e a $o(i$atio$ co$'erri$) o$ o$e or (ore er!o$! t"e ri)"t to recei*e t"e ro*i%e$t 'u$% a(ou$t. I' a$ e( loyee $o(i$ate! (ore t"a$ o$e er!o$. "e !"all. i$ "i! $o(i$atio$ ! eci'y t"e a(ou$t or !"are aya#le to eac" o' t"e $o(i$ee!. 0"ere a$ e( loyee "a! a 'a(ily at t"e ti(e o' (a+i$) a $o(i$atio$. t"e $o(i$atio$ !"all #e i$ 'a*our o' o$e or (ore er!o$! #elo$)i$) to "i! 'a(ily :8. EM<LOYEES DE<OSIT,LIN1 INSURANCE SCDEME 146; <ro*i%e! 'or ay(e$t o' a!!ura$ce #e$e'it. u o$ %eat" o' t"e (e(#er -"ile i$ !er*iceG li$+e% to t"e a*era)e #ala$ce i$ t"e ro*i%e$t 'u$% accou$t o' t"e %ecea!e% (e(#er. T"e a!!ura$ce #e$e'it !"all #e aya#le to t"e er!o$ e$title% to recei*e ro*i%e$t 'u$% accu(ulatio$ o' t"e %ecea!e% (e(#er . MEMBERSDI< = ALL MEMBERS OF <ROVIDENT FUND CONTRIBUTION= EM<LOYEES NOT RESUIRED TO CONTRIBUTE EM<LOYERS ARE RESUIRED TO CONTRIBUTE 8.:8E OF <ENSIONABLE SALARY :1. EM<LOYEES <ENSION SCDEME. 144: >EARLIER TDE EM<LOYEES FAMILY <ENSION SCDEME 1461? CONTRIBUTION E( loyee i! $ot reFuire% to co$tri#ute !e arately u$%er t"e E( loyee! <e$!io$ Sc"e(e 144:. 2. E( loyer !"are o' <ro*i%e$t Fu$% Co$tri#utio$ T 9.//E i! %i*erte% to <e$!io$ Fu$% :2. TY<E OF <ENSION Mo$t"ly Me(#er7! <e$!io$= O$ attai$i$) t"e a)e o' :9 year!. I$*ali%ity e$!io$= <er(a$e$t a$% total %i!a#le(e$t %uri$) t"e cour!e o' e( loy(e$t. 0i%o- e$!io$= Deat" o' (e(#er -"et"er i$ !er*ice or a'ter e2it 'ro( e( loy(e$t or a'ter retire(e$t& co((e$ce(e$t o' (o$t"ly (e(#er e$!io$. <e$!io$ 'or li'e or u$til re(arria)e C"il%re$ e$!io$= <aya#le to t-o c"il%re$ o' %ecea!e% (e(#er u to t"e a)e o' 2: year! i$ a%%itio$ to -i%o-. Or "a$ e$!io$= T-o or "a$ c"il%re$ u to t"e a)e o' 2: year!.

No(i$ee e$!io$= I$ ca!e o' u$(arrie% (e(#er!. a er!o$ $o(i$ate% #y t"e (e(#er -ill )et e$!io$ eFual to -i%o- e$!io$.

:/. REASONS FOR A NE0 <ENSION SCDEME Clo!e to ;:E o' o ulatio$ !till li*e i$ rural area! are $ot co*ere%. O' t"e !alarie% 28E are )o*t e( loyee!,"a*e a %e'i$e%. i$%e2e%. e$!io$ e$tirely 'u$%e% #y t"e )o*t. A#out 54E o' $o$,)o*t e( loyee! o$ly co*ere% #y E<F @ E<S. Le!! t"a$ 18E are eli)i#le 'or t"e 'or(al e$!io$ 'u$% !c"e(e e!ti(ate% -or+i$) o ulatio$. Seriou! (aAority o' -or+er! -"o are $ot #elo- t"e o*erty li$e (i)"t )o #eloit a'ter t"eir a! t"ey "a*e $ot accu(ulate% e$ou)" !a*i$)! 'or 'uture. :5. NE0 <ENSION FUND SCDEME T"e <e$!io$ Fu$% Re)ulatory a$% De*elo (e$t Aut"ority Bill. 288: e!ta#li!"e! a$ aut"ority to %e*elo a$% re)ulate t"e $e- e$!io$ !y!te( >N<S? -"ic" !ee+! to ro*i%e ol% a)e i$co(e !ecurity 'or all i$%i*i%ual!. i$clu%i$) t"o!e i$ t"e u$or)a$i!e% !ector. N<S -ill #e i( le(e$te% t"rou)" a co(#i$atio$ o' retailer!. e$!io$ 'u$%! a$% recor% +ee er>!?. E*ery !u#!cri#er -ill "a*e a$ i$%i*i%ual e$!io$ accou$t. -"ic" -ill #e orta#le acro!! Ao# c"a$)e!. T"e !u#!cri#er -ill c"oo!e t"e 'u$% (a$a)er! a$% !c"e(e! to (a$a)e "i! e$!io$ -ealt". De al!o "a! t"e o tio$ o' !-itc"i$) !c"e(e! a$% 'u$%!. T"e N<S "a! alrea%y #ee$ o eratio$ali!e% 'or $e- ce$tral )o*er$(e$t e( loyee! t"rou)" a $oti'icatio$. T"i! i! a C%e'i$e% co$tri#utio$C !c"e(e u$li+e t"e C%e'i$e% #e$e'itC !c"e(e 'or e2i!ti$) ce$tral )o*er$(e$t e( loyee! ::. 1EY ISSUES AND ANALYSIS 1? T"e Bill ro*i%e! a !tructure to t"e ri*ate a$% u$or)a$i!e% !ector! to la$ 'or ol% a)e i$co(e !ecurity. It i! $ot co( ul!ory 'or t"e!e !ector! to ta+e art i$ t"i! !y!te(. T"o!e $ot artici ati$) (ay !till "a*e to 'all #ac+ o$ u#lic re!ource! i$ ol% a)e. 2? I$ t"e !y!te( 'or $e- )o*er$(e$t e( loyee!. t"e i$*e!t(e$t ri!+ i! e$tirely #or$e #y t"e e( loyee. Do-e*er. "e i! $o lo$)er e2 o!e% to t"e ri!+ o' %e'ault #y t"e )o*er$(e$t. /? O$ly 1/E o' t"e -or+'orce i! curre$tly co*ere% #y e$!io$ !c"e(e!. T"e!e are )o*er$(e$t e( loyee! a$% t"o!e i$ t"e or)a$i!e% !ector co*ere% #y t"e E( loyee! <e$!io$ Sc"e(e 144:. T"i! Bill ro*i%e! a re)ulatory 'ra(e-or+ 'or a $e- e$!io$ !y!te( >N<S? -"ic" -ill #e a*aila#le to a$y i$%i*i%ual :;. Co$t%P.. 5?A$y u$'a*oura#le e*e$t a''ecti$) (ar+et rice! at t"e ti(e o' retire(e$t coul% lo-er #ot" e$!io$ -ealt" a$% t"e a$$uity rate. Su#!cri#er! (ay "a*e to !tay o$ i$ t"e !y!te( #eyo$% t"eir retire(e$t %ate i$ or%er to ri%e o*er !uc" a !"oc+. :?<arlia(e$tary Re!earc" Ser*ice ><RS? e!ti(ate! t"at )i*e$ curre$t (ar+et rate! 'or a$$uity. R! 1.888 er (o$t" !u#!cri#e% to N<S 'or /: year! -ill re!ult i$ li'eti(e a$$ual e$!io$ 'or !el' o' R! 56.888 to R! 66.888 u$%er %i''ere$t !ce$ario! o' retur$!.

:6. 1EY IM<LICATIONS LEADING TO SOCIAL SECURITY <ROVIDES SOCIAL SECURITY TO TDE <EO<LE IN TDE FORM OF INCOME TDROUGD <ENSIONS INCOME REMAINS DEFINED 0ITD NO FLUCTUATIONS ALL CONTRIBUTIONS.ACCUMULATIONS AND RETURN OF BALANCES ON RETIREMENT ARE ALL TAR, ADVANTAGED ENIOY TDE FACILITY OF SOFT LOANS FOR DOUSING FROM TDE EM<LOYERS GRO0TD IN VALUE OVER TDE LONG TERM. INVESTMENT ACCORDING TO OUR <RIORITIES DIGDER RETURS DUE TO CDANGES IN INVESTMENT <ATTERNS > DEBT. ESUITY ? O<TIONS OF 0ITDDRA0ING ANY TIME OF TDE YEAR :9. STATUAORY 0ELFARE ACTIVITES <RESENTED BY RADUL IAIN <GM868;:81 :4. 0DAT ARE STATUTORY 0ELFARE ACTIVITESU T"e!e are t"e Le)al -el'are acti*itie! 'or u li'(e$t o' e( loyee!. A! i$ i$%u!trie! -e are "a*i$) <er'or(a$ce A rai!al !y!te( a$% /;8 De)ree Fee%#ac+ Met"o% 'or u li'(e$t o' e( loyee! !i(ilarly -e "a*e to ta+e care o' e( loyee! #y -el'are acti*itie!. Statutory 0el'are Acti*itie! >Le)al? No$ Statutory 0el'are Acti*itie! >Not Le)al? ;8. It i! t"e 'u$ctio$ o' t"e u#lic aut"oritie! to ro(ote t"e -ell,#ei$). "ealt" a$% -el'are o' t"e e( loyee!. T"e ro*i!io$ o' !ocial -el'are a$% "ealt" care !er*ice! i$ ractice i! t"e ta!+ o' t"e i$%i*i%ual e( loyee. Co( ul!ory to ro*i%e #y a$ or)a$i3atio$ a! co( lia$ce to t"e la-! -"ic" )o*er$ e( loyee "ealt" a$% !a'ety. T"e!e i$clu%e ro*i!io$! )i*e$ i$ i$%u!trial act! li+e Factorie! Act 1459 . Doc+ 0or+er! Act >Sa'ety "ealt" @ -el'are? 149; . Mi$e! Act 14;2 ;1. STATUTORY 0ELFARE SERVICES Cu!to(!&E2ci!e Co$*eya$ce Allo-a$ce E%ucatio$al Allo-a$ce I$co(e Ta2 Co$ce!!io$ A-ar% o' Dealer!"i #y Oil Co( a$ie! Eco$o(ic A!!i!ta$ce #y <u#lic Sector Ba$+! ;2. STATUTORY 0ELFARE SCDEMES Fir!t ai% 'acilitie! Re!t roo(! C"a$)i$) roo(! Ca$tee$! Acce!! to -or+ lace Me%ical&Do! ital 'acilitie! ;/. STATUTORY 0ELFARE SCDEMES Ve$tilatio$ Li)"ti$) S ace Deati$) Clea$li$e!! ;5. VARIOUS ACTS T"e Factorie! Act. 1459 E( loyee7! <ro*i%e$t Fu$% Act <ay(e$t o' Gratuity Mater$ity Be$e'it Act T"e E( loyee State I$!ura$ce Act . 1459 Dealt" a$% Sa'ety at 0or+ Act 1465 I$%u!trial Di! ute! Act

;:. T"e Factorie! Act. 1459 T"e i$%u!trie! i$ -"ic" 28 or (ore t"a$ 28 -or+er! are e( loye% i$ (a$u'acturi$) roce!! #ei$) carrie% out -it"out t"e ai% o' o-er. Sitti$) 'acilitie! 'or occa!io$al re!t 'or 0or+er! -"o are o#li)e% to -or+ !ta$%i$). <ro*i%e% 'or routi$e i$! ectio$! o' 'actorie! ;;. Detaile% olicie! a#out clea$li$e!! .%i! o!al o' -a!ta)e. *e$tilatio$. ! aci$) #et-ee$ -or+er!. uri$al!. %rai$a)e. %ri$+i$) -ater 'acilitie! etc T"i! act i! a co( lete %ocu(e$t o$ "our! o' -or+. "oli%ay!. ! ecial ro*i!io$! o$ acci%e$t! a$% %i!ea!e!. Nee% a -el'are o''icer i' -or+i$) (ore t"e$ :88 or (ore -or+er!. ;6. All 'actory roo(! (u!t #e -ell *e$tilate% a$% li(e,-a!"e% t-ice a year. C"il%re$ (u!t #e !u lie% -it" t-o co( lete out'it! o' clot"i$). T"e -or+ "our! o' c"il%re$ (u!t #e)i$ a'ter ; a.(.. e$% #e'ore 4 .(.. a$% $ot e2cee% 12 "our! a %ay. C"il% la#our !"oul% #e a*oi%e%. Male a$% Fe(ale c"il%re$ (u!t #e "ou!e% i$ %i''ere$t !lee i$) Fuarter!. C"il%re$ (ay $ot !lee (ore t"a$ t-o er #e%. ;9. E( loyee!7 <ro*i%e$t Fu$% Act T"i! Act (ay #e cite% a! t"e E( loyee!7 <ro*i%e$t Fu$% Act. No.1: o' 14:9. For t"e ur o!e! o' t"i! Act. t"ere !"all #e e!ta#li!"e% a 'u$% to #e calle% t"e Ce$tral <ro*i%e$t Fu$% i$to -"ic" !"all #e ai% all co$tri#utio$! aut"ori!e% u$%er t"i! Act a$% out o' -"ic" !"all #e (et all ay(e$t! aut"ori!e% to #e ai% u$%er t"i! Act. A -or+er -"o co( lete! ; (o$t"! co$ti$uou! !er*ice or 128 %ay! o' -or+ %uri$) 12 (o$t"! i! eli)i#le. Accor%i$) to t"i! !c"e(e . t"e e( loyer -oul% ay 18 to 12 erce$t o' t"e #a!ic -a)e to t"e 'u$% . T"e e( loyee (a+e! eFual co$tri#utio$. ;4. <ay(e$t o' Gratuity T"i! act i$clu%e! all 'actorie! a$% e!ta#li!"(e$t! t"at e( loy 18 or (ore e( loyee!. Gratuity !"all #e aya#le to a$ e( loyee o$ t"e ter(i$atio$ o' "i! e( loy(e$t a'ter "e "a! re$%ere% co$ti$uou! !er*ice 'or $ot le!! t"a$ 'i*e year! H >a? o$ "i! !u era$$uatio$. or >#? o$ "i! retire(e$t or re!i)$atio$. or >c? o$ "i! %eat" or %i!a#le(e$t %ue to acci%e$t or %i!ea!e. T"e total )ratuity aya#le !"oul% $ot (e (ore t"a$ 28 (o$t"! -a)e!. 68. Mater$ity Be$e'it Act To re)ulate t"e e( loy(e$t o' -o(e$ i$ certai$ e!ta#li!"(e$t! 'or certai$ erio%! #e'ore a$% a'ter c"il%#irt" a$% to ro*i%e 'or (ater$ity #e$e'it! a$% certai$ ot"er Be$e'it! T"i! act a lie! to all -o(e$ $ot co*ere% #y ESI Act a$% -"o "a*e co( lete% 1;8 %ay! o' !er*ice i$ la!t 12 (o$t"! It allo-! 'or ; -ee+! lea*e #e'ore a$% a'ter t"e %eli*ery %uri$) -"ic" !"e i! ai% t"e a*era)e %aily -a)e. 61. A -o(e$ !"all #e e$title% to (ater$ity #e$e'it o$ly i' !"e "a! actually -or+e% i$ a$ E!ta#li!"(e$t o' t"e e( loyer 'or a erio% o' $ot le!! t"e$ ei)"ty %ay! i$ t"e t-el*e (o$t"! i((e%iately rocee%i$) t"e %ate o' "er e2 ecte% %eli*ery >!ectio$,:V2W?

62. T"e E( loyee State I$!ura$ce Act. VESICW 1459 T"e E( loyee State I$!ura$ce Act. VESICW 1459. i! a iece o' !ocial -el'are le)i!latio$ e$acte% ri(arily -it" t"e o#Aect o' ro*i%i$) certai$ #e$e'it! to e( loyee! i$ ca!e o' !ic+$e!!. (ater$ity . 6/. T"e E( loyee State I$!ura$ce act -a! ro(ul)ate% #y t"e <arlia(e$t o' I$%ia i$ t"e year 1459. To #e)i$ -it" t"e ESIC !c"e(e -a! i$itially lau$c"e% o$ 2 Fe#ruary 14:2 at Au!t t-o i$%u!trial ce$ter! i$ t"e cou$try $a(ely +a$ ur a$% Del"i -it" a total co*era)e o' a#out 1.28 lac -or+er!. 65. Dealt" a$% Sa'ety at 0or+ Act 1465 Be'ore 1465 a ro2i(ately 9 (illio$ e( loyee! "a% $o le)al !a'ety rotectio$ at -or+. DASA0A 65 ro*i%e! t"e le)al 'ra(e-or+ to ro(ote. !ti(ulate a$% e$coura)e "i)" !ta$%ar%! o' "ealt" a$% !a'ety i$ lace! o' -or+. It rotect! e( loyee! a$% t"e u#lic 'or( -or+ acti*itie!. E*eryo$e "a! a %uty to co( ly -it" t"e Act. i$clu%i$) e( loyer!. e( loyee!. trai$ee!. !el',e( loye%. (a$u'acturer!. !u lier!. %e!i)$er!. i( orter! o' -or+ eFui (e$t. Secure! Dealt" Sa'ety a$% 0el'are rotect! ot"er eo le a)ai$!t ri!+! 'ro( t"e acti*ity o' ot"er eo le at -or+. co$trolli$) %a$)erou! !u#!ta$ce! co$trolli$) e(i!!io$! 6:. I$%u!trial Di! ute! Act A$ Act to (a+e ro*i!io$ 'or t"e i$*e!ti)atio$ a$% !ettle(e$t o' i$%u!trial %i! ute!. a$% 'or certai$ ot"er ur o!e!. COLLECTIVE AGREEMENTS=, >a? Collecti*e a)ree(e$t, >i? a$y e( loyer or e( loyer!. a$% >ii? a$y -or+(e$ or a$y tra%e u$io$ or tra%e u$io$! co$!i!ti$) o' -or+(e$. a$% >#? -"ic" relate! to t"e ter(! a$% co$%itio$! o' e( loy(e$t o' a$y -or+(a$. or to t"e ri*ile)e!. ri)"t! or %utie! o' a$y e( loyer or e( loyer! or a$y -or+(e$ or a$y tra%e u$io$ or tra%e u$io$! co$!i!ti$) o' -or+(e$. or to t"e (a$$er o' !ettle(e$t o' a$y i$%u!trial %i! ute. 6;. For t"e ur o!e! o' t"i! Act. t"e <re!i%e$t (ay 'ro( ti(e to ti(e a oi$t a a$el. o' $ot le!! t"a$ 'i*e er!o$!. 'ro( -"ic" i$%u!trial court! !"all #e co$!titute% a! "erei$ a'ter ro*i%e%. A$ i$%u!trial court co$!i!t! o' t"ree er!o$!. a (e(#er o' t"e court $o(i$ate% #y t"e Mi$i!ter !"all #e t"e re!i%e$t o' t"e court $o(i$ate% #y t"e Mi$i!ter !"all #e t"e re!i%e$t o' t"e court. 66. 69. By. Ra"ul <artoti <GM868;8:82 64. No$ H Statutory (ea$! Not 'i2e% #y la- Facility (ea$! #uil%i$)!. !er*ice!. eFui (e$t. etc. t"at are ro*i%e% 'or a articular ur o!e= 98. 1ee tale$t e( loyee Loyal co$te$t Di''ere$tiate t"e co( a$y Attract

91. Lea%er!"i o!itio$ o$ -or+ lace !a'ety e*e$ #e'ore T"o(a! I. 0at!o$. Ir. i!!ue% 'ir!t 'or(al olicy i$ 14;6 0ell Bei$) Ma$a)e(e$t Sy!te( t"e co( a$y7! "oli!tic a roac" to (a$a)i$) t"e "ealt" a$% !a'ety o' e( loyee! -"ere*er t"ey -or+. At,"o(e -or+ locatio$ E( loyee "a! acce!! to Fuali'ie% "y!icia$!. $ur!e!. 92. <re*e$ti*e a$% -ell$e!! ro)ra( Li'e at Do(e 0or+&li'e #ala$ce ro)ra( Fle2i#le -or+ o tio$! E( loyee a!!i!ta$ce ro)ra( Dealt" ro(otio$ Li'e i$ t"e -or+ lace Acci%e$t&Ill$e!! <re*e$tio$ Suality o' -or+ lace e$*iro$(e$t Suality o' 'acilitie! 9/. Dealt"care (a$a)e(e$t ro)ra(! Li'e at Do(e Di!a#ility Ma$a)e(e$t Co$%itio$! Ma$a)e(e$t Li'e i$ t"e -or+ lace <ro)re!!i*e retur$ to -or+ 95. O$!ite <ro)ra(! E2 re!! -ell$e!! o$!ite i! a ro)ra( t"at i! o''ere% at !elect US !ite!. t"at ro*i%e i( orta$t "ealt" !cree$i$)! 'or c"ole!terol. #loo% re!!ure. )luco!e. #o%y 'at erce$ta)e. a$% #o$e %e$!ity . a! -ell a! -el'are coac" co$!ultatio$ a$% )oal !etti$). O$li$e <ro)ra(! E( loyee! ca$ acce!! "ealt" a$% -ell$e!! ro)ra(! -it"out lea*i$) t"eir "o(e or o''ice. I$ US. Virtual Fit$e!! Ce$ter >VFS? ca$ #e u!e% #y e( loyee! to "el (a+e 'it$e!! a art o' t"eir %aily li*e!. 9:. Acce!!i#le 25 2 6 'ro( a$y co( uter i$ I$ter$et E( loyee! are a#le to !et )oal!. trac+ t"eir acti*itie! a$% c"art t"eir !ucce!! a$% !tay 'ocu!e% o$ 'it$e!! )oal. Dealt" a$% 0ell$e!! Co( a$io$ I$teracti*e o$li$e "ealt" i$'or(atio$ tool to (a+e t"e( i$'or(e% c"oice! a#out t"eir "ealt". T"ey ca$ lear$ a#out re!cri tio$. a$% $o$ re!cri tio$ (e%icatio$!. e*aluate t"eir "ealt" ri!+ a$% %i!co*er -ay! to i( ro*e t"eir "ealt" i$clu%i$) #etter $utritio$. !tre!! (a$a)e(e$t. a$% (ai$tai$i$) a "ealt"y -ei)"t. 9;. Dealt"y Li*i$) Re#ate <ro)ra( 'or e( loyee -"o %o$7t !(o+e or i' t"ey %o. are -illi$) to artici ate i$ a$ IBM H ! o$!ore% -or+i$) ce!!atio$ ro)ra( H ca$ recei*e a X1:8 ca!" re#ate. Virtual Fit$e!! Ce$ter Routi$e o' "y!ical acti*ity a$% lo) t"eir er'or(a$ce 96. IBM ro*i%e! a ra$)e o' acco((o%atio$! a$% a!!i!ti*e %e*ice! 'or e( loyee! -"o "a*e %i!a#ilitie!. i$clu%i$)= Co$!tructi$) ra( !. o-er %oor!. ar+i$) 'acilitie! a$% ot"er acco((o%atio$! to ro*i%e acce!! 'or eo le -it" i( aire% (o#ility. Ca tio$i$) *i%eota e! a$% ro*i%i$) !i)$,la$)ua)e i$ter reter! a$% $ote ta+er! 'or cla!!e! a$% (eeti$)! 'or e( loyee! -"o are %ea' or "ar% o' "eari$). Recor%i$) co( a$y u#licatio$! o$ au%ioca!!ette 'or e( loyee! a$% retiree! -"o are *i!ually i( aire%. <ro*i%i$) tra*el a!!i!ta$ce 'or e( loyee! -it" (o#ility i( air(e$t!. <ro*i%i$) a%a ti*e !er*ice! or (o%i'icatio$! !uc" a! !cree$ rea%er!. %i! lay,!cree$ (a)$i'ier!. +ey#oar%

)uar%!. real,ti(e ca tio$i$) o' (eeti$)! a$% 0e#ca!t!. a$% teleco((u$icatio$! %e*ice! a$% tele "o$e a( li'ier!Q to e$a#le eo le -it" %i!a#ilitie! to u!e -or+,relate% eFui (e$t.

99. T-o $e- IBM Acce!!i#ility Ce$tre %e*elo (e$t! al!o ro*i%e IBM e( loyee! -it" %i!a#ilitie! -it" e$"a$ce% a!!i!ti*e tec"$olo)y tool! a$% o tio$!= Do(e <a)e Rea%er */.85. ro*i%e! e( loyee! -it" %i!a#ilitie! -it" a ra$)e o' $e- ca a#ilitie!. i$clu%i$) t"e a#ility to rea% acce!!i#le. ta))e% <DF %ocu(e$t! a$% Macro(e%ia Fla!" co$te$t. a$% a $e- 3oo( 'eature t"at e$lar)e! e*eryt"i$) o$ a 0e# a)e. aDe!i)$er i! a %i!a#ility&#arrier! !i(ulator t"at "el ! 0e# %e!i)$er! te!t t"e acce!!i#ility o' 0e# a)e! 'or eo le -"o are *i!ually i( aire%. T"e !o't-are ro)ra( i! $o- a*aila#le o$ IBM al "a0or+! 'or %o-$loa%. 94. <orta#le co( uter! are #ei$) u!e% e*ery-"ere to%ay. 0or+ ca$ #e er'or(e% a$y-"ere a$yti(e. IBM7! er)o$o(ic! ro)ra( i! 'or re(ote a$% (o#ile -or+er! -it" a 'ocu! o$ co((u$icati$) t"e a*aila#ility o' er)o$o(ic acce!!orie! to our e( loyee! a! -ell a! co$ti$ui$) a$ e%ucatio$ ca( ai)$ o$ "ealt"y co( uti$) ractice! a$% #e"a*iour! -orl%-i%e. 48. Stoc+ o tio$! I$tel U$i*er!ity Tuitio$ A!!i!ta$ce Me$tori$) Career O ortu$itie! 41. Fle2i#le -or+ !c"e%ule! Co( re!!e% -or+ -ee+! a$% alter$ate -or+ !c"e%ule! Teleco((uti$) Do(e o''ice o tio$! <art,ti(e e( loy(e$t Io# !"are C"il%care a!!i!ta$ce Re!ource a$% re'erral !er*ice! 0or+&Li'e !e(i$ar! a$% trai$i$) E( loyee %i!cou$t! 42. O$!ite co$*e$ie$ce !tore! Fit$e!! ce$tre! a$% recreatio$ 'acilitie! Nur!i$) (ot"er! roo(! Dealt" a$% -ell$e!! #e$e'it! E( loyee )rou ! a$% clu#! Fa(ily e*e$t! Ri%e!"are a$% tra$! ortatio$ ro)ra(! I$tel *olu$teer ro)ra(! Geo)ra "ically %i! er!e% tea(! <ai% ti(e o'' >i$clu%i$) !a##atical! i$ t"e U$ite% State!? Lea*e! o' a#!e$ce 4/. I( ro*e t"e li*e! o' e( loyee E( loyee loyalty i$crea!e! E( loyee i%e$ti'ie! t"e(!el*e! -it" co( a$y E( loyee !ati!'actio$ i$crea!e! Attritio$ rate )oe! %o-$ E$"a$ce t"e -or+ li'e o' e( loyee E( loyee re(ai$! "ealt"y. a#!e$teei!( lo-er! i$crea!i$) t"e ro%ucti*ity 45. E( loyee )et la3y E( loyee (ay 'eel t"ey are )etti$) a 'ree ri%e Not e*ery#o%y a*ail! t"e 'acilitie! li+e )y(P "e$ce e( loyee! %o $ot )et "ealt"y 4:. ANOTDER <RESENTATION ON <ROVIDENT FUND ACT

4;. Le)i!latio$ Go*er$i$) Social Security&<ro*i%e$t Fu$% Act 14:2 a! a (ea!ure o' Social Security i$ I$%ia <re!e$tatio$ By I. Lilly Ma%"u reet"a Re).No=<GM868;859; MBA,IT IUNE 86 46. Co$te$t! O#Aecti*e! o' t"e Act E( loyee! <ro*i%e$t Fu$% Or)a$i!atio$ >E<FO? Be$e'it! o' E( loyee! <ro*i%e$t Fu$% I( orta$t De'i$itio$! E( loyer Co$tri#utio$ E( loyee Co$tri#utio$ A%(i$i!tratio$ o' t"e Fu$% A%*a$ce!&0it"%ra-al! @ Fi$al 0it"%ra-al Sc"e(e! U$%er t"e Act 1. E( loyee! Fa(ily <e$!io$ Sc"e(e 2. E( loyee! De o!it Li$+e% I$!ura$ce Sc"e(e /. E( loyee! <e$!io$ Sc"e(e Ac"ie*e(e$t! o' E<F Co$clu!io$ 49. 0"at7! t"i! Act (ea$ E( loyee!7 <ro*i%e$t Fu$% Act 14:2 ro*i%e! !ecurity 'or OLDAGE to t"e i$%u!trial -or+er! -"o are $ot a#le to !a*e out o' t"eir (ea)re e(olu(e$t! 'or t"eir 'uture. 44. O#Aecti*e! o' t"e Act E( loyee! <ro*i%e$t Fu$% H art o' !ocial !ecurity ro(oti$) a$% !ecuri$) t"e -ell #ei$) o' t"e e( loyee! #y -ay o' ro*i%e$t 'u$%. 'a(ily e$!io$ a$% i$!ura$ce to t"e(. I$culcate! a "a#it o' !a*i$) a(o$)!t -or+er! E( loyee! co$tri#uti$) !u(! to t"e <ro*i%e$t Fu$% 188. E( loyee! <ro*i%e$t Fu$% Or)a$i3atio$ >E<FO? T"e E( loyee!7 <ro*i%e$t Fu$% 14:2. ro*i%e! 'or co( ul!ory ro*i%e$t 'u$%. e$!io$ a$% %e o!it li$+e% i$!ura$ce i$ 'actorie! & e!ta#li!"(e$t! e( loyi$) 28 or (ore e( loyee! i$ !c"e%ule% i$%u!trie!. -"ic" i! i( le(e$te% t"rou)" o''ice! o' E( loyee! <ro*i%e$t Fu$% Or)a$i3atio$. 181. Be$e'it! o' E( loyee <ro*i%e$t Fu$% A (e(#er o' t"e ro*i%e$t 'u$% ca$ -it"%ra- 'ull a(ou$t at t"e cre%it i$ t"e 'u$% o$ retire(e$t 'ro( !er*ice a'ter attai$i$) t"e a)e o' :: year!. Full a(ou$t i$ ro*i%e$t 'u$% ca$ al!o #e -it"%ra- #y t"e (e(#er u$%er t"e 'ollo-i$) circu(!ta$ce= A (e(#er -"o "a! $ot attai$e% t"e a)e o' :: year! at t"e ti(e o' ter(i$atio$ o' !er*ice. A (e(#er i! retire% o$ accou$t o' er(a$e$t a$% total %i!a#le(e$t %ue to #o%ily or (e$tal i$'ir(ity. O$ (i)ratio$ 'ro( I$%ia 'or er(a$e$t !ettle(e$t a#roa% or 'or ta+i$) e( loy(e$t a#roa%. 182. T"e ay(e$t o' ro*i%e$t 'u$% #e (a%e a'ter co( le(e$ti$) a co$ti$uou! erio% o' $ot le!! t"a$ t-o (o$t"! i((e%iately rece%i$) t"e %ate o$ -"ic" t"e a licatio$ 'or -it"%ra-al i! (a%e #y t"e (e(#er= 0"ere a (e(#er i! %i!c"ar)e% a$% i! )i*e$ retre$c"(e$t co( e$!atio$ u$%er t"e I$%u!trial Di! ute Act. 1456. 18/. Retre$c"(e$t Co( e$!atio$= It i! recei*e% #y a -or+(e$ u$%er t"e i$%u!trial %i! ute! Act or U$%er a Co$tract o' 'ro( "i! E( loyer at t"e ti(e o' "i! Retre$c"(e$t or o$ t"e clo!ure o' Tra$!'er o' t"e #u!i$e!! o' t"e e( loyer

-ill #e e2e( te% a! A(ou$t calculate i$ accor%a$ce -it" t"e ro*i!io$ o' t"e I$%u!trial Di! ute Act. Or #? R!.:88888 >-"ic"e*er i! le!!. i! e2e( t?

185. I( orta$t De'i$itio$! A ro riate Go*er$(e$t VSectio$ 2>a?W= E!ta#li!"(e$t! u$%er co$trol o' Ce$tral Go*er$(e$t or i$ relatio$ to a$ e!ta#li!"(e$t co$$ecte% -it" rail-ay co( a$y or #ra$c"e! i$ (ore t"a$ o$e !tate a$% i$ relatio$ -it" t"e State Go*er$(e$t Ba!ic 0a)e! VSectio$ 2>#?W= All e(olu(e$t! ear$e% #y e( loyee -"ile o$ %uty or o$ lea*e or o$ "oli%ay -it" -a)e! i$ ter(! o' t"e co$tract o' e( loy(e$t -"ic" are ai% or aya#le i$ ca!" #ut %oe! $ot i$clu%e= >i? t"e ca!" *alue o' a$y 'oo% co$ce!!io$ >ii? %ear$e!! allo-a$ce. "ou!e re$t allo-a$ce. o*erti(e allo-a$ce. #o$u!. co((i!!io$ aya#le to e( loyee i$ re! ect o' "i! e( loy(e$t 18:. Co$t% P Co$tri#utio$ VSectio$ 2>c?W= Co$tri#utio$ (ea$! a co$tri#utio$ aya#le i$ re! ect o' a (e(#er or a$ e( loyee to -"o( t"e I$!ura$ce Sc"e(e a lie!. Co$trolle% I$%u!try VSectio$ 2>%?W= It (ea$! a$y i$%u!try t"e co$trol "a! #ee$ %eclare% #y t"e Ce$tral Go*er$(e$t to #e e2 e%ie$t i$ t"e u#lic i$tere!t. E( loyer VSectio$ 2>e?W= T"e o-$er or occu ier o' t"e 'actory or t"e er!o$ o' aut"ority "a*i$) t"e ulti(ate co$trol o*er t"e a''air! o' e!ta#li!"(e$t. E( loyee VSectio$ 2>'?W= A er!o$ -"o i! e( loye% 'or -a)e! i$ a$y +i$% o' -or+ (a$ually 18;. Co$t%P Factory VSectio$ 2>)?W= <re(i!e! i$clu%i$) t"e reci$ct! t"ereo' i$ a$y art o' -"ic" a (a$u'acturi$) roce!!. Fa(ily e$!io$ Fu$% VSectio$ 2>))?W= (ea$! e!ta#li!"e% u$%er t"e Fa(ily e$!io$ Sc"e(e Fa(ily <e$!io$ Sc"e(e VSectio$ 2>)))?W= E( loyee! Fa(ily <e$!io$ Sc"e(e 'ra(e% u$%er Sectio$ ;A >Co$!oli%ate% A$$ual Co$tri#utio$ State(e$t 'or t"e curre$cy erio%? Fu$% VSectio$ 2>"?W= (ea$! <ro*i%e$t e!ta#li!"e% u$%er t"e Sc"e(e 186. Co$t%P I$%u!try VSectio$ 2>i?W= I$%u!try a%%e% to t"e Sc"e%ule #y $oti'icatio$ u$%er Sectio$ 5 >Co$tri#utio$ car% 'or e( loyee! ot"er t"a$ (o$t"ly ai% e( loyee! 'or t"e erio%? I$!ura$ce Fu$% VSectio$ 2>i,a?W= De o!it li$+e% i$!ura$ce Fu$% e!ta#li!"e% u$%er !ectio$ ;>c? I$!ura$ce Sc"e(e VSectio$ 2>i,#?W= (ea$! E( loyee! De o!it Li$+e% I$!ura$ce Sc"e(e 'ra(e% u$%er Sectio$ ;>c? 189. Co$t%P Ma$u'acturi$) roce!! VSectio$ 2>i,c?W= a$y roce!! 'or (a+i$). re airi$). 'i$i!"i$). ac+i$) a$y article or !u#!ta$ce -it" a *ie- to it! u!e. !ale. tra$! ort etc. Me(#erVSectio$ 2>A?W= (e(#er o' t"e Fu$% Occu ier o' t"e 'actory VSectio$ 2>+?W= <er!o$ -"o "a! ulti(ate co$trol o*er t"e a''air! o' t"e 'actory -"ere t"e a''air! are e$tru!te% to t"e (a$a)i$) a)e$t. 184. E( loyer&E( loyee!7 Co$tri#utio$ Fully e2e( t Ta2a#le Fully e2e( t Fully e2e( t A'ter retire(e$t A(t recor%e% at t"e ti(e o' Maturity

A(ou$t i! $ot ta2a#le De %oe! $ot co$tri#ute Fully e2e( t A(ou$t i! $ot ta2a#le Salary 'ully e2e( t Fully e2e( t A(ou$t i! $ot ta2a#le 12E o' !alary e2e( t 4.:E o' <.A I$tere!te2e( t A(ou$t i! $ot ta2a#le Fully e2e( t Fully e2e( t E( loyer7! Co$tri#utio$ E( loyee7! Co$tri#utio$ I$tere!t o$ Bala$ce <<F UR<F R<F Statutory <F <articular!

118. E( loyer7! co$tri#utio$ Sectio$ ; >Retur$ o' t"e Co$tri#utio$ Car%! !e$t to t"e Co((i!!io$er o$ t"e e2 iry o' t"e erio% o' curre$cy? o' t"e act ro*i%e! t"at co$tri#utio$ -"ic" !"all #e ai% #y t"e e( loyer to t"e Fu$% !"all #e 9,1&/E o' t"e #a!ic -a)e!. DA. RA i' a$y 'or t"e ti(e #ei$) aya#le to eac" o' t"e e( loyee! -"et"er e( loye% #y "i( %irectly or t"rou)" a co$tractor 111. E( loyee!7 Co$tri#utio$ T"e e( loyee7! co$tri#utio$ !"all #e eFual to t"e co$tri#utio$ aya#le #y t"e e( loyer i$ re! ect o' "i( a$ a(ou$t $ot e2cee%i$) 9,1/E o' Ba!ic -a)e!. DA a$% RA. i' a$y. E( loyee! i' t"ey %e!ire (ay (a+e co$tri#utio$ e2cee%i$) t"i! a(ou$t !u#Aect to t"e co$%itio$ t"at e( loyer !"all $ot u$%er a$y o#li)atio$ to co$tri#ute o*er a$% a#o*e t"e co$tri#utio$ aya#le u$%er t"e Act. 112. A%(i$i!tratio$ o' t"e 'u$% Boar% o' Tru!tee! or Ce$tral Boar%= Sectio$ :A>Retur$ o' E( loyee! Fuali'yi$) 'or (e(#er!"i o' t"e E( loyee!7 <ro*i%e$t Fu$% 'or t"e 'ir!t ti(e %uri$) t"e (o$t" ? ro*i%e! t"e a%(i$i!tratio$ o' t"e Fu$% a$% $oti'icatio$ )i*e$ t"e Ce$tral Go*er$(e$t a$% it i! e2te$%! #y Boar% o' Tru!tee! to= A C"air(a$ a$% a Vice,C"air(a$ to #e a oi$te% #y t"e Ce$tral )o*er$(e$t Not (ore t"a$ 1: er!o$! to #e a oi$te% #y t"e Ce$tral Go*er$(e$t 'ro( a(o$)!t it! o''icial! Not (ore t"a$ 1: er!o$! re re!e$ti$) )o*er$(e$t o' !uc" State! a! t"e Ce$tral Go*er$(e$t (ay ! eci'y i$ t"i! #e"al' a oi$te% #y CG 18 er!o$! re re!e$ti$) e( loyer! o' t"e e!ta#li!"i$) to -"ic" t"e Sc"e(e! a lie!. a oi$te% #y t"e CG a'ter co$!ultatio$ -it" !uc" or)a$i3atio$! o' e( loyer!&e( loyee! a! (ay #e reco)$i!e% #y t"e CG i$ t"i! #e"al'. 11/. A%*a$ce!&0it"%ra-al! No$ re'u$%a#le a%*a$ce 'or ay(e$t o' re(ia to-ar%! olicie! o' Li'e I$!ura$ce o' a (e(#er 0it"%ra-al 'or urc"a!i$) a %-elli$) "ou!e or 'lat or 'or co$!tructio$ o' "ou!e i$clu%i$) acFui!itio$ o' a !uita#le !ite a$% $ece!!ary alteratio$! 'or t"e i( ro*e(e$t o' t"e "ou!e. 0it"%ra-al! 'or re ay(e$t o' loa$! i$ ! ecial ca!e! No$,re'u$%a#le i$ ca!e o'= >a? "o! itali3atio$ la!ti$) o$e (o$t" or (ore >#? (aAor !ur)ical o eratio$ i$ a "o! ital >c? !u''eri$) 'ro( T.B.. le ro!y. <araly!i! 'or t"e treat(e$t o' -"ic" lea*e "a! #ee$ )ra$te% #y t"e e( loyer No$,re'u$%a#le a%*a$ce 'or >i? !ur)ical o eratio$ or %au)"ter&!o$7! (arria)e or a$y (e(#er o' t"e 'a(ily >ii? 'or (e(#er a''ecte% #y cut i$ t"e !u ly o' electricity or i$ca!e o' ro erty %a(a)e% #y cala(itie!. >iii? or 'or "y!ically "a$%ica e% (e(#er! 'or urc"a!i$) a$ eFui (e$t

115. Fi$al 0it"%ra-al Full accu(ulatio$! -it" i$tere!t t"ereo$ are re'u$%e% >i? i$ t"e e*e$t o' %eat". er(a$e$t %i!a#ility >ii? retre$c"(e$t or (i)ratio$ 'ro( I$%ia 'or er(a$e$t !ettle(e$t a#roa%. *olu$tary retire(e$t. tra$!'er to a$ e!ta#li!"(e$t $ot co*ere% u$%er t"e Act 0it" t"e er(i!!io$ o' co((i!!io$er or a$y !u#or%i$ate o''icer to "i(. a (e(#er i! allo-e% to %ra'ull a(ou$t -"e$ "e cea!e! to #e i$ e( loy(e$t a$% "a! $ot e( loye% i$ a$y e!ta#li!"(e$t to -"ic" t"e Act a lie! 'or a co$ti$uou! erio% o' atlea!t 2 (o$t"!. 11:. T"e E( loyee7! Fa(ily <e$!io$ Sc"e(e T"i! !c"e(e ro*i%e! Fa(ily <e$!io$ a$% Li'e a!!ura$ce #e$e'it to t"e e( loyee! T"e Ce$tral )o*er$(e$t ro*i%e! lo$),ter( 'i$a$cial !ecurity to t"e 'a(ilie! o' i$%u!trial e( loyee! 11;. Me(#er!"i o' E( loyee7! Fa(ily <e$!io$ Sc"e(e Rete$tio$ o' Me(#er!"i = Ca$ Co$ti$ue to #e a (e(#er u to a)e ;8 Or Fuit t"e !er*ice a$% -it"%ra-! Or %ie! %uri$) t"e erio% o' rec+o$a#le !er*ice Fa(ily <e$!io$ Fu$%= T"e co$tri#utio$ 'ro( o$e a$% 1&;E o' e( loyee7! ay! a$ eFual a(ou$t o' o$e a$% 1&;E 'ro( a$% out o' e( loyee! co$tri#utio$ i! re(itte% #y t"e e( loyer to t"e Fa(ily <e$!io$ Fu$% 116. T"e E( loyee!7 De o!it,li$+e% I$!ura$ce Sc"e(e T"i! Act a(e$%e% i$ 146; #y Ce$tral Go*er$(e$t T"e ur o!e o' t"e !c"e(e i! ro*i%i$) li'e i$!ura$ce #e$e'it to t"e e( loyee! o' a$y e!ta#li!"(e$t 119. Co$tri#utio$ to t"e I$!ura$ce Fu$%= E( loyer! ay 8.:E o' t"e total e(olu(e$t! A%(i$i!trati*e E2 e$!e! = E( loyer! are reFuire% to ay at t"e rate o' 8.81E T"e Ce$tral Go*er$(e$t al!o (eet! t"e e2 e$!e! at t"e rate o' 8.88:E No(i$atio$= T"e $o(i$atio$ (a%e #y a (e(#er u$%er t"e E( loyee Fu$% Sc"e(e i! treate% a! $o(i$atio$ u$%er t"i! !c"e(e Be$e'it <aya#le= O$ t"e %eat" o' a$ e( loyee. t"e er!o$7! e$title% recei*e! a$ a%%itio$al a(ou$t eFual to t"e a*era)e #ala$ce i$ t"e ro*i%e$t 'u$% accou$t 114. T"e E( loyee!7 <e$!io$ Sc"e(e. 144: U$%er t"i! !c"e(e e$!io$ at t"e rate o' :8E o' ay i! aya#le to t"e e( loyee! o$ retire(e$t o$ co( letio$ o' //yr! o' !er*ice Mi$i(u( 18yr! !er*ice i! reFuire% 'or e$title(e$t to e$!io$ De e$%i$) u o$ !alary a$% !er*ice at ti(e o' %eat" e$!io$ ra$)e! 'ro( R!.5:8 to R!.2:88&(o$t" T"e Ce$tral Go*er$(e$t al!o co$tri#ute! at t"e rate o' 1.1;E to t"e !c"e(e 128. Co$t%P E( loyer $ot to re%uce -a)e!= It ro"i#it! a$ e( loyer 'ro( re%uci$) %irectly or i$%irectly t"e -a)e! o' a$y e( loyee to -"o( t"e I$!ura$ce Sc"e(e a lie! I$! ector= T"e a ro riate Go*er$(e$t #y $oti'icatio$ i$ t"e O''icial Ga3ette a oi$t !uc" er!o$! a! it t"i$+! 'it to #e i$! ector! 'or t"e ur o!e o' t"i! Act or t"e <e$!io$ Sc"e(e or t"e I$!ura$ce

Sc"e(e T"e i$! ector a oi$te% e2erci!e o-er! 'or t"e ur o!e o' i$Fuiri$) to t"e correct$e!! o' a$y i$'or(atio$ 'ur$i!"e% i$ co$$ectio$ -it" t"i! Act

121. Ac"ie*e(e$t! o' E( loyee! <ro*i%e$t Fu$% T"e co*era)e o' #e$e'it! o' <F. 'a(ily e$!io$ a$% %e o!it li$+e% i$!ura$ce i$crea!e% 'ro( 2./1 crore !u#!cri#er! a! o$ /1.8/.1449 to $early /.4: crore !u#!cri#er! a! o$ /1.8/.288/ A $atio$ally u$iFue Social Security Nu(#er 'or eac" -or+er -oul% #e ro*i%e%. T"e !c"e(e -a! lau$c"e% #y -ay o' a Rei$*e$ti$) H E<F I$%ia ro)ra((e o$ 2:.82.288/ !o a! to re%uce clai( !ettle(e$t 'ro( /8 %ay! to 2,/ %ay! o$ly Y A$y Ti(e A$y 0"ere7 acce!! 'or a (e(#er to !er*ice 'or !ettle(e$t o' clai( or 'or i$'or(atio$ relati$) to accou$t #ala$ce. 122. Create! a 'acilitati$) e$*iro$(e$t a$% ca acity 'or )eo(etric )ro-t" i$ (e(#er!"i A%%itio$al 'acilitie! o' %i!#ur!e(e$t o' e$!io$ t"rou)" 2;888 o!t o''ice! "a! #ee$ i$tro%uce% !o a! to #e$e'it t"e -or+er! -"o a'ter retire(e$t )o #ac+ to t"eir $ati*e lace! locate% i$ rural a$% 'ar 'lu$) area! A $e- Directorate o' reco*ery "a! #ee$ a ro*e% to !te u reco*ery o' E<F %ue!. 12/. Co$clu!io$ O$ t"e #a!i! o' t"e a#o*e a$aly!i!. t"e li!t! o' cla!!e! o' e!ta#li!"(e$t! ot"er t"a$ 'actorie! #e re(o*e%. e2te$%i$) t"e ro*i!io$! o' t"e E( loyee!C <ro*i%e$t Fu$% Act 14:2 a$% t"e !c"e(e! 'ra(e% t"ere u$%er to all e!ta#li!"(e$t!. irre! ecti*e o' t"eir acti*itie!. T"i! -ill e$lar)e t"e !co e o' !ocial !ecurity #e$e'it! co*eri$) t"e -or+er! e$)a)e% i$ #ot" t"e or)a$i3e% or $o$,or)a$i3e% !ector. 125. Re'ere$ce! Boo+ Re'ere$ce!= Du(a$ Re!ource! Ma$a)e(e$t #y T.N C"a##ra 0e#!ite Re'ere$ce!= "tt =&&---.cor (e$.co(&la#ourla-!&e '( a14:2&e 'Z#rie'."t( "tt =&&e 'i$%ia.$ic.i$&e '."t( 12:. a$a)i$) !a'ety i$ t"e -or+ lace Io"$ Iaco# <GM868;8::: 12;. Di(e$!io$! o' !a'ety <eo le !a'ety Mac"i$e a$% Material !a'ety <ro%uct !a'ety 126. Sa'ety le)i!latio$ Factorie! Act 1459= No you$) er!o$ allo-e% to -or+ o$ %a$)erou! (ac"i$e! -it"out trai$i$) or !u er*i!io$ >Sec 2/? I' t"ere i! ri!+ o' i$Aury to t"e eye! t"e$ %ue rotectio$ (u!t #e ro*i%e% to t"e -or+er. >Sec /:? T"o!e er!o$! -or+i$) i$ )a! c"a(#er! or relate% area! (u!t -ear )a! (a!+! 'or rotectio$. >Sec /;? 129. I$ e*ery 'actory. recautio$! a$% all (ea!ure! to e$!ure !a'ety a)ai$!t 'ire !"oul% #e a lie%. >Sec /9? I' it a ear! to t"e Sa'ety I$! ector t"at a certai$ art o' t"e #uil%i$) or (ac"i$ery i! $ot !a'e to u!e. t"e$ "e ca$ ro"i#it it! u!e a$% reco((e$% c"a$)e! to #e (a%e. >Sec 58? E*ery 'actory

-it" (ore t"a$ 1888 e( loyee! (u!t "a*e a Sa'ety O''icer. >Sec 58B? A Sa'ety Co((ittee (u!t #e !etu i$ t"o!e rele*a$t i$%u!trie! a$% (u!t "a*e eFual re re!e$t (a$a)e(e$t a$% -or+er!. >Sec 51G?

124. Ca!e !tu%y 1= Vi!ta Foo%! <*t. Lt%. Core #u!i$e!!= Foo% roce!!i$) >Su lier 'or McDo$al%!? <ro%uct!= C"ic+e$ a$% Ve) Bur)er! Locatio$= TaloAa. <a$*el Ca acity= 9888 (etric to$$e!&a$$u( Area= 1:88 !F. (etre! E( loyee! -or+i$)= 198 1/8. Sa'ety (ea!ure! > eo le? Sa'ety !e$!or! Sa'ety li%! Fire e2ti$)ui!"er! >2 er li$e. 2 li$e!? A!!e(#li$) oi$t! Flo-c"art 'or e(er)e$cy Trai$i$) 'or 'ire e(er)e$cy >a$$ual? Me%ical c"ec+u >a$$ual? Eye -a!"er! 1/1. E(er)e$cy !-itc" E(er)e$cy e2it! A$ti!+i% o$ 'loor! a$% !tairca!e Sa'ety Del(et! Ve"icular i$! ectio$ Moc+ %rill! o$ce a year 0ater "y%ra$t! Sire$ S(o+e alar( Fir!t ai% 1/2. Ot"er "i)"li)"t! E2ter$al trai$i$) O$e acci%e$t i$ 1449 Sa'ety au%it #y I$tratec >Score=99.:E? I$*e!t(e$t i$ !a'ety "a! )o$e u . 1//. Ca!e Stu%y 2= Vi3a) Steel <la$t Core #u!i$e!!= Steel (a$u'acturi$) <ro%uct!= Steel. (a$)a$e!e. alloy! Locatio$= Vi3a) Ca acity= 5 (illio$ to$$e! >a$$ual? Area= 1888 acre! E( loyee! -or+i$)= 16. :88 1/5. Sa'ety (ea!ure! Sa'ety e$)i$eeri$) %e t. a$% co((ittee Sa'ety a!! CISF Fire U$it Auto(ate% 'ire !a'ety %e*ice! Moc+ %rill! >Bi,(o$t"ly? 1/:. Trai$i$) ro)ra(! Material "a$%li$) Ga! !a'ety Roa% !a'ety Fire 'i)"ti$) Fir!t Ai% a$% !a'ety "ealt" recautio$! Occu atio$al "ealt" "a3ar%! Moc+ Drill 1/;. Ot"er "i)"li)"t! I$*e!t(e$t i$ !a'ety= R! / crore! > rocure(e$t? a$% R! :,; la+"! >trai$i$)? T-o (aAor acci%e$t! i$ t"e la!t : year!. Trai$i$) %o$e i$ter$ally #ut t"ere are e2ter$al !a'ety au%it! %o$e >OSDAS 19881? Sa'ety I$$o*atio$ A-ar% i$ 288;.