ESI BENEFITS ARE APLENTY SICKNESS BENEFIT

ESI BENEFITS ARE APLENTY SICKNESS BENEFIT
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
The insured person must have worked for wages for 78 days in the corresponding contributory period	91 Days in any two consecutive benefit period	70% of Sickness Benefit Rate	Only to the Insured Person
Extended Sickness Benefit
for specified long-term diseases like TB, Leprosy etc.
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
In Insurable employment for at least two years. Should pay contribution for minimum of 156 days in the preceding 4 contributory period	309 days duration has been  extended beyond 400 days ( 91 days sickness benefit plus 309 days extended sickness benefit) to two years in deserving cases.	80% of Sickness Benefit Rate	Only to the Insured Person.
Enhanced Sickness Benefit
for undergoing sterilization operation for family planning
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
The insured Person must have worked for wages for 78 days in the corresponding contributory period( w.e.f. 19/09/1998)	7 Days for vasectomy & 14 days for tubectomy extended in cases of post operative complications etc.	Sickness Benefit Rate	Only to the Insured Person.
Disablement Benefit ( Employment Injury)
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No condition is prescribed	In case of temporary disablement : As long as incapacity lasts & in case of permanent  disablement: for life time	(a) For Temporary Disablement,90% of Sickness Benefit Rate	Only to the Insured Person.
		(b) For permanent Total Disablement specified in part 1 of 2nd Schedule at the full Rate of TDB
		(C) For permanent partial Disablement resulting from an injury specified in Part ii of the 2nd  Schedule at such % age of the full rate as specified in the  said schedule as being the %age of the loss of earning capacity by the injury.
Note : Where More injuries  than one are caused by the same accident, the rate of benefit payable under clauses©&(d) shall be aggregated but not so in any case as to exceed the FULL RATE and in cases of disablement not covered by clauses(a),(b),© &(d) at such rate not exceeding the FULL RATE,as may be provided in the regulations.		(d) For permanent partial Disablement resulting from an injury not specified in part ii of the 2nd Schedule at such % age of the FULL RATE payable in the case of Permanent Total Disablement as is proportionate to the loss of earning capacity permanently caused by the injury.
Dependent's Benefit
( Employment Injury)
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No condition is prescribed		3/5th of the FULL RATE,if there are 2 or more widows, the amount payable to the widow shall be divided equally between the widows.	(a) To the widow/s during life time until remarriage.(b) To the widowed Mother
		2/5 of the FULL RATE,if there are 2 or more sons,the amount payable to the son shall be divided equally between the sons.	To the legitimate or adopted son/s until he attains the age of 25 years.
		Subject to min.of Rs.14                                                                       -              -do--                                                                                                                                  3/10th of the FULL RATE 2/10th of the FULL RATE	To the legitimate or adopted unmarried Daughter/s until she attains the age of 25 yrs. Or until marriage whichever is earlier.   ( in case the deceased person does not leave a widow or legitimate or adopted child. Dependent;s Benefit shall be payable to....)
		2/10th of the FULLRATE	(a) Parent or grand parent for a life  (b)  Any other male dependent , until he attains the age of 25 yrs.(c) Any other female Dependent until she attain s the age of 25 yrs. Or until marriage whichever is earlier.
An insured person whose Permanent Dis ablement has been assessed as final and who has been awarded permanent disablement benefit at a rate not exceeding Rs.5.00 per day may apply for a lump sum payment and such amount shall be determined by multiplying the daily rate of permanent disablement benefit by the figure indicated in Col.2 of the Schedule iii of the Regulations.
Maternity Benefit
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
Payment of contribution for 70 days in one or two consecutive periods.	12 weeks of which  not more than the 6 weeks can precede the expected date of confinement. 6 weeks for miscarriage  or for medical termination of pregnancy Additional payment for one month for Complications ( pre or post) arising out of Pregnancy.	Sickness Benefit Rate Medical bonus of Rs. 5000 Where ESI hospital faciltiy is not available  for child delivery	Only to the Insured Person . Only to the insured woman or in r/o wife of insured person
Medical Benefit
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No condition is prescribed	From the date of entry of an employee into an insurable employment so long as he remains in insurable employment and thereafter for certain additional period.	Full Medical care including hospitalization	Person as well as his/ her family members as defined under section 2(11) of the act.
Funeral Expenses
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No condition ( i.e merely by virtue of being an insured person)	One time lump- sum payment	Not more than Rs. 10,000( w.e.f .01/04/2011)	To the eldest surviving member of the family of the deceased insured person or to the person who actually incurs the expenditure on the funeral of an insured person.
Rehabilitation Allowance
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No Condition is prescribed	For each days of which insured person remains admitted in artificial limb centre for fixation repair or replacement of artificial limb	Double the Standard Sickness Benefit Rate But not less than Full wages.	Only to the insured person.
Medical Benefit to insured person who ceases insurable employment on account of permanent disablement
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
No condition but an insured person has to pay Rs. 10 pm in lump sum for one year in advance every year.	Till the date on which an insured person would have attained the age of superannuation.	…………………………	Medical Benefit to insured person and Spouse.
Medical Benefit to insured persons who have opted  For VRS or superannuated
Conditions for Entitlement	Duration	Amount Payable	Whom to be Paid
(1) Insurable employment for a period of 3 years, and (2) Payment of Contribution @ Rs. 10 pm in lump sum for one year in advance, each year.	Till the time yearly contribution is paid to the concerned Office of the Corporation.	……………………………..	Insured person and his spouse