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INTRODUCTION
Social Security is the Protection given by society to its Member against contigencies of modern life such as sickness,unemployment,oldage & industrial sickness.
ACCORDING TO FRIEDLANDER
According to Friedlander a programme of protection provided by society against the contingencies of modern life- sickness, unemployment, old age, dependency, industrial accidents and invalidism against which the individual cannot be expected to protect himself and his family by his own ability or foresight.
II. Restoration: enable the worker to recover from the shocks injected by inhuman industrial work,rehabilitate himself and get on with his work in a usual manner. III. Prevention: designed to avoid the loss of productive capacity due to sickness, unemployment or invalidity and to render the available resources which are used up by avoidable disease and idleness and thus increase the material, intellectual and moral well being of the community.
SOCIAL INSURANCE
These schemes are financed mainly through contributions of employers, workers and other beneficiaries. Most are compulsorily established by the law. Benefits are linked to contributions of insured persons.
SOCIAL ASSISTANCE
Provide benefits for meeting the minimum needs of the persons of small means. Financed by state funds. Benefits are changeable according to income and means of beneficiaries.
A beginning was made ultimately in 1923 by passing of Workmens Compensation Act The next contingency engaging the attention of the state was maternity leading to Maternity Benefit Act 1929.
OBJECTIVE
To impose an obligation upon the employers to pay compensation to workers for accidents arising out of and in course of employment. Under Section 2(3) of the Act, the state govt. are empowered to extend the scope of act to any class of persons whose occupations are
ENTITLEMENT
A Person should be employed He should be employed for the purposes of the employers trade or business The capacity in which he works should be one set out in the list in Scheduled II of the Act
BENEFITS
To be paid by the employer to a workman for any personal injury cost in course of his employment (Section 3) Employer will not be liable to pay compensation for any kind of disablement, (except death) which does not continue for more than 3 days.
The rate of compensation incase of death is an amount equal to 50 % of the monthly wages multiplied by the relevant factor or an amount of Rs. 80,000 which ever is more In permanent total disablement the compensation will be amount equal to 60 % of the monthly wages multiplied by relevant factor or an amount of Rs. 90,000 which ever is more
ADMINISTRATION
State govt. administer the provisions of this Act through the commissioners appointed for specified areas. State govt. also make rules for ensuring that the provisions of the Act are complied with.
Enacted to promote the welfare of working women The Act prohibits the working of pregnant women for a specified period Applies to every establishment being a factory mine or plantation and every shop or establishment in which 10 or more persons are employed.
Female workers are entitled for paid holidays not exceeding 12 weeks in a case of maternity and during this period they are eligible to receive full wages. There is also provision for pre-natal confinement and post-natal care free of charge failing which employer is liable to pay medical bonus of Rs. 250.
Incase of miscarriage , leave is available for a period not exceeding 6 weeks Implementation of the Act depends upon the goodwill of the employer. A woman is entitled to maternity benefit if she has actually worked In an establishment for not less than 70 days in 12 months
COVERAGE
Provides For health care and cash benefit payments incase of sickness , maternity and employment injury. Applicable to non-seasonal factories using power and employing 10 or more employees. The Act is being implemented area-wise, in a phase manner. The ESI scheme is operated in 728 centers
ADMINISTRATION
Administered by a statutory body called the Employees State Insurance Corp. (ESIC) Members representing employers, employees, central, and state govt. , medical profession and the Parliament.
HEALTH BENEFITS
Scheme provides full medical facilities , from primary health care to super specialty treatment. Medical care scheme is administered by the state govt.
The wage sealing for coverage of employees under the ESI Act, 1948 was enhanced from Rs. 7500 to Rs.10,000 per month
The daily rate of allowance under vocational rehabilitation scheme is enhanced from Rs. 45 to Rs. 123 per day.
OBJECTIVE
Provides for a scheme of compulsory payment of gratuity to employees engaged in factories, mines oil fields, plantations ,ports, railway companies, shops or other establishments.
ENTITLEMENT
Every employee , other than apprentice irrespective of his wages is entitled to receive gratuity after he has rendered continuous service for 5 years or more Payable at the time of termination of his services either i. On superannuation
In case of death of the employee, gratuity is payable to nominee, and if no nomination has been made then to his heirs
CALCULATION OF BENEFITS
For every completed year of service or part thereof in excess of 6 months, the employer pays gratuity to an employee at the rate of 15 days wages based on the rate of wages last drawn The amount of the gratuity payable to an employee not to exceed (3,50,000)
ADMINISTRATION
Enforced both ,by the central and the state government. Section 3 authorizes the appropriate govt. to appoint any officer as a controlling authority for the administration of the Act. the central / state govt. also frame rules for administration of the Act
It is a Legislation enacted for purpose of instituting a provident fund for employees working in factories and establishments The act aims at providing timely monetary assistance to industrial employees and their families.
COVERAGE
Extends to the whole of India , excluding the state of J&K Act is applicable to factories and other classes of establishments engaged in specific industries, classes of establishments employing 20 or more persons. does not apply to employees of state and central govt. or local authority
The membership of the fund is compulsory for employees drawing a pay not exceeding Rs. 6500 per month. The employees drawing more than 6500 per month may become member on a joint option of employer and employee
BENEFITS
Superannuation pension Early pension Permanent total disablement Widow or widowers pension Children pension or orphan pension Nominee pension/dependant parents pension
CONTRIBUTION
From and out of the contributions payable by the employer in each month to the PF , apart of contribution representing 8.33 percent of the employees pay is remitted to the employees pension fund Employer to pay for cost of remittance Central govt. contributes 1.16% of the pay
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