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supported and developed as such. Furthermore, far from being an obstacle to economic progress,
as is all too often said, social security organised on a rm and sound basis will promote such
progress, since once men and women benet from increases security and are free from anxiety
for tomorrow, they will naturally become more productive.
-H.D. Cole (social scientist)
is concerned with the task of preventing a decline in the living standards as might
occur, in say, an economic recession, or mostly drastically a famine. The latter
refers to the enhancement of general standards and to the expansion of basic
capabilities of the population, and will primarily have to be seen as a long term
challenge".
According to Hirway, Indira "The concept of social security therefore implies a
broad pro-poor approach which has three components, namely, promotional
component that aims at improving endowments, exchange entitlements, real
income and social consumption; preventive component that seeks to avert
deprivation in more specific ways; and protective component (also termed as safety
net measures) that is yet more specific in generating relief against deprivation".
The above definition has broadened the scope of social security and it concentrates
on employment and income. Programmes and activities connected with the
provision of employment and income be termed as economic security and those
connected with other basic needs such as health, pensions, etc. to be termed as
social security. Economic security and social security are intimately connected.
Economic security is the primary means by which persons are able to obtain their
social security needs. On the other hand, social security is a means to increase and
maintain the productivity of the worker, so as to increase the economic security.
The Payment of Gratuity Act, 1972 provides 15 days wages for each year
of service to employees who have worked for 5 years or more in
organizations with 10 man strength or more.
http://workspace.unpan.org/sites/Internet/Docum
ents/UNPAN92408.pdf
http://www.india-briefing.com/news/introductionsocial-security-system-india-6014.html/
http://mrunal.org/2012/07/economy-socialsecurity-epfo.html
https://www.ssa.gov/policy/docs/ssb/v16n5/v16n5
p11.pdf
https://www.ssa.gov/policy/docs/ssb/v16n5/v16n5
p11.pdf
http://www.thehindu.com/news/national/howeffective-are-social-security-and-welfare-inindia/article6823320.ece
Pension
The Employees Provident Fund Organization, under the Ministry of Labor and
Employment, ensures superannuation pension and family pension in case of death
during service. Presently only about 35 million out of a labor force of 400 million
have access to formal social security in the form of old-age income protection. Out
of these 35 million, 26 million workers are members of the Employees Provident
Fund Organization, which comprises private sector workers, civil servants, military
personnel and employees of State Public Sector Undertakings.
The schemes under the Employees Provident Fund Organization apply to
businesses with at least 20 employees. Contributions to the Employees Provident
Fund Scheme are obligatory for both the employer and the employee when the
employee is earning up to INR 6,500 (US$120) per month, and voluntary when the
employee earns more than this amount. If the pay of any employee exceeds this
amount, the contribution payable by the employer will be limited to the amount
payable on the first INR 6,500 (US$120) only. Contributions should be made to the
Employees Provident Fund Organization on an annual basis.
The Employees Provident Fund Organization includes three schemes:
The Employees Provident Fund Scheme, 1952
The Employees Pension Scheme, 1995
The Employees Deposit Linked Insurance Scheme, 1976
The Employees Provident Fund Scheme is contributed to by the employer (1.673.67 percent) and the employee (10-12 percent).
The Employee Pension Scheme is contributed to by the employer (8.33 percent)
and the government (1.16 percent), but not the employee.
Finally, the Employees Deposit Linked Insurance Scheme is contributed to by the
employer (0.5 percent) only.
Four main types of pension (all monthly) are offered:
Pension upon superannuation or disability;
Widows pension for death while in service;
Childrens pension; and
Orphans pension.
In addition, there are separate pension funds for civil servants, workers employed
in coal mines and tea plantations in the State of Assam, and for seamen.
The employees state insurance act, 1948 (EST Act) provides for health care and
cash benefit payments in the case of sickness, maternity and employment injury.
The Act applies to all non-seasonal factories run with power and employing 10 or
more persons and to those factories which run without power and employing 20 or
more persons. The appropriate Government may after notification in the Official
Gazette, extend the provision of the Act to any other establishment or class of
establishments, industrial, commercial, agriculture or otherwise.
Under the Act, cash benefits are administered by the Central Government through
the Employees State Insurance Corporation (ESIC), whereas the State
Governments and Union Territory Administrations are administering medical care.
The employees state insurance corporation (ESIC) is the premier social security
organization in the country. It is the highest policy making and decision taking
authority under the ESI Act and oversees the functioning of the ESI scheme under
the Act. The corporation comprises members representing Central and State
Governments, employers, employees, Parliament and the medical profession.
Union Minister of Labour functions as the Chairman of the Corporation.
A standing committee constituted from among the members of the Corporation
acts as the Executive Body for the administration of the Scheme.
The basic provisions of the Act are : Every factory or establishment to which this Act applies shall
be registered within such time and in such manner as may be specified in the
It provided for an integrated need based social insurance scheme that would
protect the interest of workers in contingencies such as sickness, maternity,
temporary or permanent physical disablement, death due to
employment injury resulting in loss of wages or earning capacity.
http://www.archive.india.gov.in/business/legal_as
pects/employees_insuranceact.php
Maternity Benefit
Every woman shall be entitled to, and her employer shall be liable for, the
payment of maternity benefit, which is the amount payable to her at the rate of
the average daily wage for the period of her actual absence.
Prior to the amendment of 1989, a woman employee could not avail of the six
weeks leave preceding the date of her delivery; she was entitled to only six
weeks leave following the day of her delivery. However, by the above
amendment, the position has changed. Now, in case a woman employee does
not avail of six weeks leave preceding the date of her delivery, she can avail of
that leave following her delivery, provided the total leave period, i.e. preceding
and following the day of her delivery does not exceed 12 weeks.
Who is Entitled to Maternity Benefit
1. Every woman employee, whether employed directly or through a contractor,
who has actually worked in the establishment for a period of at least 80 days
during the 12 months immediately preceding the date of her expected
delivery, is entitled to receive maternity benefit.
2. The qualifying period of 80 days shall not apply to a woman who has
immigrated into the State of Assam and was pregnant at the time of
immigration.
3. For calculating the number of days on which a woman has actually worked
during the preceding 12 months, the days on which she has been laid off or
was on holidays with wages shall also be counted.
4. There is neither a wage ceiling for coverage under the Act nor there is any
restriction as regards the type of work a woman is engaged in.
Restriction on Employment of Pregnant Women
1. No employer should knowingly employ a woman during the period of 6
weeks immediately following the day of her delivery or miscarriage or
Disability
The Persons with Disability (Equal Opportunities, Protection of Rights and Full
Participation) Act of 1995 brought into sharp focus the States responsibility to
empower the disabled with equal opportunities, protection of rights and equal
participation in the development process of the nation. It clearly lays down that
education and employment opportunities must be created for the disabled by
providing 3 per cent reservation; stipulates the creation of barrier-free access to
public places and public transport; has provision of preventive social security
measures such as pre-natal and post-natal care for the mother and child;
mentions social security provisions such as unemployment allowance and
insurance; and supports the right of disabled people to lead independent lives2
Gratuity
5 Pradhan mantrI jeevan jyoti yojana, http://www.pradhanmantriyojana.co.in/pmjeevan-jyoti-bima-scheme-pmjjby/ (last accessed on sept 18)