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Benefits |
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Disablement Benefit:
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In case of temporary disability arising out of an empioyment injury Disablement Benefit is admissible to an insured person for the entire period so certified by the Insurance Medical Officer/Insurance Medical Practitioner for which the insured person does not work for wages. The benefit is not subject to any contributory condition and is payable at a rate equivalent to about 75% of these daily average wages. The Benefit is‚ however‚ not playable if the incapacity does not exceed 3 days excluding the date of accident. |
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In case an employment injury results in permannent‚ partial or total loss of earning capacity‚ periodical payments are available to the insured persons for life as a percentage of the Permanent Disablement Benefit rate depending on the actual loss of earning capacity as may be certified by a duly constituted Medical Board. The rates of Disablement Benefit are determined in accordance with the provisions of Rule 57 of ESI(Central) Rules‚ 1950. In order to protect erosion in real values of the periodical payments of Permanent Disablement Benefit‚ against rise in the cost of living index‚ periodical increases are granted from time to time‚ based on actuarial calculations. |
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Commutation of periodical payment is permissible where the permanent disablement stands assessed‚ as final and the daily rate of benefit doses not exceed Rs.1.50 per day. Commutation of Permanent Disablement Benefit into lump sum payment is allowed in case the total commuted value does not exceed Rs.30‚000/- |
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