## Policy Analysis Report: ESIC COVID-19 Relief Scheme
**1. Executive Summary:**
This report analyzes the Employees State Insurance Corporation (ESIC) COVID-19 Relief Scheme, as notified on June 15, 2021. This new policy aims to provide financial relief to the eligible dependent family members of Insured Persons (IPs) who died due to COVID-19. The scheme offers periodic payments, calculated as a percentage of the deceased IP's average daily wages, directly to the beneficiaries' bank accounts. Key findings indicate specific eligibility criteria for both the deceased IP and their dependents, along with a defined framework for calculating and distributing the relief amount.
**2. Introduction:**
This report provides a comprehensive overview of the ESIC COVID-19 Relief Scheme, based solely on the official notification published on June 15, 2021. The purpose is to inform stakeholders, particularly employers and employees covered under the Employees State Insurance (ESI) Act, about the scheme's provisions, eligibility criteria, and intended outcomes.
**3. Policy Overview:**
* This is a **New Policy**.
* **Core Objective(s):** The primary objective is to provide financial assistance and welfare to the dependent family members of Insured Persons (IPs) who have died due to COVID-19, as stated in the text "as a welfare measure for the Insured Persons who are employees under Section 29 of the ESI Act under which in case of death of IP due to COVID19, the eligible dependant family members of IP will be paid periodic payments directly to their bank accounts."
**4. Background and Rationale:**
* **New Policy:** The policy likely addresses the financial hardships faced by families who have lost their primary earning member due to the COVID-19 pandemic. It can be inferred that the pandemic has resulted in significant economic strain, particularly for families dependent on individuals covered under the ESI Act. The scheme provides a safety net during this challenging period.
**5. Key Provisions / Changes:**
* **New Policy:**
* **Eligibility for Deceased IP:** The deceased IP must have been registered on the ESIC online portal at least three months before COVID-19 diagnosis and must have been employed at the time of diagnosis. Furthermore, contributions for at least 70 days should have been paid or payable in respect of the deceased IP during a period of maximum one year immediately preceding the diagnosis of COVID19 disease resulting in death.
* **Eligible Dependents:** The following relatives are eligible for periodical payments:
* Spouse
* Legitimate or adopted son (under 25 years, or infirm and wholly dependent)
* Unmarried legitimate or adopted daughter (or infirm and wholly dependent)
* Widowed mother
* In the absence of the above, certain other dependents (parents, minor illegitimate children, etc.) if wholly or partly dependent on the IP's earnings at the time of death.
* **Relief Amount:** 90% of the average daily wages of the deceased IP will be paid as relief. This "full rate" is distributed as follows:
* Spouse: 3/5 of the full rate (divided equally if multiple widows)
* Each eligible child: 2/5 of the full rate
* Widowed mother: 2/5 of the full rate
* If the total exceeds the full rate, shares are proportionately reduced.
* In the absence of spouse, children, or widowed mother, other dependents receive specified portions of the full rate.
* **Minimum Relief:** The minimum relief under the scheme is Rs 1800 per month.
* **Objections and Suggestions:** The Employees State Insurance Corporation will consider any objection or suggestion, which may be received from any person in respect of notification within a period of thirty 30 days from the date of publication.
**6. Target Audience and Stakeholders:**
The primary target audience is:
* Insured Persons (IPs) covered under the Employees State Insurance (ESI) Act.
* The families and dependents of IPs, specifically those who may be eligible for relief under the scheme in the event of the IP's death due to COVID-19.
* Employers who contribute to the ESI scheme, as they need to be aware of the eligibility criteria and the potential benefits available to their employees' families.
**7. Implementation Aspects (Inferred):**
* **Responsible Agency:** The Employees State Insurance Corporation (ESIC) is the responsible agency for implementing and administering the scheme. The Insurance Commissioner is mentioned as the point of contact for objections and suggestions.
* **Procedures:**
* Dependents must apply for the relief.
* Payments will be made directly to the bank accounts of eligible dependents.
* The ESIC will review and process applications, verifying eligibility based on registration and contribution records.
* **Timelines:** Objections and suggestions regarding the notification must be submitted within 30 days of the publication date (June 18, 2021).
**8. Expected Outcomes / Impact of Changes:**
* The likely intended outcomes are:
* Reduced financial burden on families who have lost an earning member due to COVID-19.
* Improved social security and welfare for dependents of IPs.
* Enhanced perception of the ESI scheme as a responsive and supportive system during times of crisis.
* Increased awareness and compliance with ESI registration and contribution requirements.
**9. Conclusion:**
The ESIC COVID-19 Relief Scheme represents a significant welfare measure designed to alleviate the financial distress faced by families of Insured Persons who succumbed to COVID-19. The scheme provides clearly defined eligibility criteria, a structured approach for calculating relief amounts, and a framework for distribution to eligible dependents. By offering financial assistance, the scheme aims to provide a safety net during a challenging period and strengthen the ESI's role in safeguarding the welfare of its beneficiaries.
Key Entities Referenced
Employees State Insurance Corporation: A government organization that notifies the ESIC COVID19 RELIEF SCHEME under Section 97 of the Employees State Insurance Act 1948.
Employees State Insurance Act 1948: A law mentioned in the notification, specifically Section 97 subsection 1, under which the Employees State Insurance Corporation exercises its powers.
ESIC COVID19 RELIEF SCHEME: A scheme notified by the Employees State Insurance Corporation under Section 19 of the ESI Act as a welfare measure for Insured Persons who are employees under Section 29 of the ESI Act.
New Delhi: Location where the Employees State Insurance Corporation's notification was issued; also the location of Panchdeep Bhawan, CIG Marg.
Shri S Biswas: Insurance Commissioner, Employees State Insurance Corporation, to whom objections and suggestions regarding the notification may be addressed.
Panchdeep Bhawan, CIG Marg, New Delhi 110002: Address of the Employees State Insurance Corporation where Shri S Biswas, the Insurance Commissioner, can be contacted.
Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi110064: The directorate of printing, at Government of India Press that uploaded the notification.
Controller of Publications, Delhi110054: The publisher of the Gazette of India.
रजजस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
सी.जी.-डी.एल.-अ.-18062021-227718
xxxGIDHxxx
CG-DL-E-18062021-227718
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ऄसाधारण
EXTRAORDINARY
भाग III—खण् ड 4
PART III—Section 4
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 245] नइ ददल्ली, िुक्रवार, जून 18, 2021/ज्य ष्े ठ 28, 1943
No. 245] NEW DELHI, FRIDAY, JUNE 18, 2021/JYAISHTHA 28, 1943
कर्चम ारी राज्य ीीर्ा जनगर्
ऄजध सचू ना
नइ ददल् ली, 15 जून 2021
स.ं एन-12/13/01/2019-यो.एव ं जव.—कर्मचारी राज्य ीीर्ा ऄजधजनयर् 144 1144 का 34 क धारा 4
क ईपधारा 11 के तहत आसर्ें प्रदत्त िजतियय का प्रयोग करते ुएए ऄजधजनयर् क धारा 14 के तहत ीीर्ाकृत व् यजतियय , जो
क.रा.ीी.ऄजधजनयर् क धारा 214 के तहत कर्मचारी हैं; हते ु कल् याणकारी ईपाय के प प र् ें कर्मचारी राज्य ीीर्ा जनगर्
‘एजसक कोजवड-14 राहत योजना’ को एतद्द्वारा ऄजधसूजचत करता ह ै जजसके तहत कोजव ड-14 से ीीर्ाकृत व् यजतिय क र्ृ् य ु
हो जाने के र्ार्ल े र्ें; ीीर्ाकृत व् यजतिय के पा्र अजरितत पिरवार सदस्ट् य को सीधे ही ईनके ीकैं खात र्ें अवजधक भगु तान
दकए जाएंगे।
2. योजना क पा्र ता ितें जनम्न ानुसार ह ैं -
क. ीीर्ाकृत व् यजतिय जजसक र्ृ् य ु को जवड-14 रोग के कारण ुएइ ह,ै ईसे कोजवड-14 रोग जजसके पिरणार्स्ट् वप प
ईसक र्ृ् य ु ुएइ ह,ै के जनदान क जतजथ से कर् से कर् तीन र्ाह पूवम क.रा.ीी.जनगर् पोर्लम पर पंजीकृत हो
चुका होना चाजहए।
3317 GI/2021 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART III—SEC.4]
ख. र्ृतक ीीर्ाकृत व् यजतिय को कोजवड-14 रोग के जनदान क जतजथ पर रोजगार र्ें होना चाजहए और कोजवड-14
रोग जजसके पिरणार्स्ट् वप प ईसक र्ृ् य ु ुएइ के जनदान के ठीक जपछले ऄजधकतर् एक वष म क ऄवजध के दारान
ईसके सम्ीन्ध र्ें कर् स ेकर् 0 ददन के जलए ऄंिदान का भगु तान दकया गया हो ऄथवा देय हो।
3. कोजवड-14 के कारण र्ृ् यु क जस्ट्थजत र्ें, ीीर्ाकृत व् यजतिय के जनम्न जलजखत संींधी योजना के ऄंतगतम अवजधक भगु तान
प्राप् त करन े के पा्र ह गे -
i. जववाजहती, धर्मज ऄथवा दत्तक पु्र जजसने ऄभी पच् चीस वष म क अयु प्राप् त नह क ह,ै ऄजववाजहत
धर्मज ऄथवा दत्तक पु्र ी;
ii. जवधवा र्ाता
iii. यदद ीीर्ाकृत व् यजतिय पर ईसक र्ृ् यु के सर्य ईस पर पूणमत अजरितत हो, धर्मज ऄथवा दत्तक पु्र ऄथवा
पु्र ी जजसने पच् चीस वष म क अयु प्राप् त कर ली हो और ऄि्त हो।
iv. यदद र्ृतक ीीर्ाकृत व् यजतिय का/क जववाजहती ऄथवा धर्मज ऄथवा दत्तक संतान ऄथवा जवधवा र्ाता
नह ह ै तो जनम्न जलजखत संींधी यदद पूणमत ऄथवा ऄंित ीीर्ाकृत व् यजतिय क र्ृ् यु के सर्य ईसके ऄजमन
पर अजरितत ह -
क. जवधवा र्ाता के ऄलावा ऄन्य र्ाता-जपता।
ख. ऄवयस्ट् क ऄधर्मज पु्र , ऄजववाजहती ऄधर्मज पु्र ी ऄथवा धर्मज या दत्तक या ऄधर्मज पु्र ी यदद जववाजहत
हो और ऄवयस्ट् क हो ऄथवा यदद जवधवा हो तथा ऄवस्ट् यक हो।
ग. ऄवयस्ट् क भाइ ऄथवा ऄजववाजहत ीहन ऄथवा जवधवा ीहन यदद ऄवयस्ट् क हो,
घ. जवधवा ीहू,
ङ. पूवमर्ृत पु्र क ऄवयस्ट् क संतान
च. पूवमर्ृत पु्र ी क ऄवयस्ट् क संतान, जहां संतान के र्ाता-जपता जीजवत न ह , ऄथवा
छ. दादा-दादी यदद ीीर्ाकृत व् यजतिय के र्ाता-जपता जीजवत न ह ।
4. र्ृतक ीीर्ाकृत व्यजतिय क औसत दैजनक र्जदरू ी का 40%, जजसे राहत क पूण म दर कहा जाएगा, कोजवड-14 ीीर्ारी के
कारण र्ृतक ीीर्ाकृत व्यजतिय के अजरिततजन को ईसका भुगतान जनम्नानुसार तरीके से दकया जाएगा -
i. जीवनकाल के दारान जववाजहती को पूण म दर के तीन ीर्ा पांच के सर्तुल्य राजि। यदद ईसक दो ऄथवा ईसस े
ऄजधक जवधवाएँ ह तो पूवमकजथत ऄनुसार जववाजहती को देय राजि ईन जवधवाओं के ीीच सर्ान प प से
जवभाजजत क जाएगी।
ii. प्र्येक वैध ऄथवा दत्तक पु्र के जलए पच्चीस वष म का होने तक पूणम दर के दो ीर्े पांच भाग के सर्तुल्य राजि।
धर्मज ऄथवा दत्तक पु्र यदद ऄितिय हो तथा वह ीीर्ाकृत व्यजतिय क र्ृ्यु के सर्य ईसक अय पर पूणतम ः
अजरितत हो, तो ईस जस्ट्थजत र् ें ईस पु्र क ऄितियता जस्ट्थजत ीने रहन े तक ईस े राहत का भुगतान दकया जाना
जारी रहगे ा;
iii. प्र्येक धर्मज ऄथवा दत्तक ऄजववाजहत पु्र ी के जलए पणू म दर के दो ीर्े पांच भाग के सर्तल्ु य राजि। धर्मज
ऄथवा दत्तक पु्र ी यदद ऄितिय हो तथा वह ीीर्ाकृत व्यजतिय क र्ृ्यु के सर्य ईसक अय पर पूणतम ः अजरितत
हो, तो ईस जस्ट्थजत र् ें ईस पु्र ी क ऄितियता जस्ट्थजत ीन े रहन े तक ईसे राहत का भुगतान दकया जाना जारी
रहगे ा।[भाग III—खण् ड 4] भारत का राजप्र ऄसाधारण 3
iv. जीवनकाल के दारान जवधवा र्ाता के जलए पूण म दर के दो ीर्ा पांच भाग के सर्तुल्य राजि।
v. यदद र्ृतक व्यजतिय के जववाजहती, धर्मज ऄथवा दत्तक संतान और जवधवा र्ाता के ीीच योजना के ऄतं गतम
जवतिरत राहत क कुल राजि, पूवो्त के ऄनुसार दकसी भी सर्य पूणम दर से ऄजधक होती ह ै तो प्र्येक
अजरितजन के भाग र्ें स े राजि अनुपाजतक प प से कर् क जाएगी तादक ईन्ह ें देय कुल राजि, पूण म दर पर
राजि से ऄजधक न हो।
vi. यदद र्ृतक व्यजतिय के पीछे ईसक जववाजहती ऄथवा धर्मज या दत्तक संतान ऄथवा जवधवा र्ाता नह ह तो
ऄन्य अजरिततजन को जनम्नानुसार राहत देय होगी: -
(क) जवधवा र्ाता के ऄलावा ऄन्य र्ाता-जपता ऄथवा दादा-दादी को जीवनकाल के जलए, पूणम दर के
तीन ीर्ा दसवां भाग के सर्तुल्य राजि और यदद जवधवा र्ाता के ऄलावा दो ऄथवा ऄजधक
र्ाता-जपता या दादा-दादी ह तो जवधवा र्ाता के ऄलावा र्ाता-जपता ऄथवा दादा-दादी को
पूवो्त के ऄनुसार राजि सर्ान प प से ईनके ीीच जवभाजजत होगी।
(ख) दकसी ऄन्य— (i) पुरुष अजरिततजन के जलए- ईसके ऄठ्ठारह वष म क अय ु प्राजि तक, (ii) र्जहला
अजरितजन के जलए- ऄठ्ठारह वष म क अयु प्राजि ऄथवा ईसके जववाह, जो भी पहले हो तक, ऄथवा
यदद वह जवधवा हो, तो ईसके ऄठ्ठारह वष म क प्राजि ऄथवा पनु ःजववाह, जो भी पहले हो, तक पणू म
दर के दो ीर्े दस भाग के सर्तुल्य राजि और यदद 1ख के ऄतं गमत अजरिततजन एक स े ऄजधक हो
तो देय राजि सभी को ीराीर जवभाजजत क जाएगी।
5. भुगतान के ऄंतगमत न् यूनतर् राहत 1 00/- प्रजतर्ाह होगी।
आस ऄजधसूचना के प्रकािन क जतजथ स े तीस 130 ददन क ऄवजध के भीतर आसके संींध र् ें दकसी व् यजतिय से प्राप् त
दकसी अपजत्त या सुझाव पर कर्मचारी राज्य ीीर्ा जनगर् ्ारा जवचार दकया जाएगा। अ पजत्त या सुझाव, यदद कोइ ह , तो
वे रिती एस.जीस्ट् वास, ीीर्ा अयु् त, कर्मचारी राज्य ीीर्ा जनगर्, पंचदीप भवन, सीअइजी र्ाग,म नइ ददल्ल ी-110002
1इ-र्ेल अइडी dir-pnd@esic.nic.in) को संीोजध त दकए जाएं।
एस. जीस्ट् वास, ीीर्ा अयु् त (यो. एवं जव.)
[जवज्ञापन-III/4/ऄसा./113/2021-22]
EMPLOYEE’S STATE INSURANCE CORPOTRATION
NOTIFICATION
New Delhi, the 15th June, 2021
No. N-12/13/01/2019-P&D.—In exercise of the powers conferred upon it under sub-section (1) of
Section 97 of the Employees’ State Insurance Act 1948 (34 of 1948), the Employees’ State Insurance
Corporation, do hereby notifies the scheme ESIC COVID-19 RELIEF SCHEME under Section 19 of the
Act as a welfare measure for the Insured Persons who are employees under Section 2(9) of the ESI Act
under which in case of death of IP due to COVID-19, the eligible dependant family members of IP will be
paid periodic payments directly to their bank accounts.
2) Eligibility conditions of the scheme are as under: -
a) The IP who died due to COVID-19 disease must have been registered on the ESIC online
portal at least three months prior to the date of diagnosis of COVID-19 disease resulting in his/
her death.4 THE GAZETTE OF INDIA : EXTRAORDINARY [PART III—SEC.4]
b) The deceased IP must have been in employment on the date of diagnosis of COVID-19 disease
and contributions for at least 70 days should have been paid or payable in respect of him/ her
during a period of maximum one year immediately preceding the diagnosis of COVID-19
disease resulting in death.
3) In case of death of the IP due to COVID-19, the following relatives of the deceased IP shall be
eligible to receive periodical payments under the Scheme: -
i. spouse, a legitimate or adopted son who has not attained the age of twenty- five years, an
unmarried legitimate or adopted daughter;
ii. a widowed mother.
iii. if wholly dependent on the earnings of the insured person at the time of his death, a
legitimate or adopted son or daughter who has attained the age of twenty-five years and is
infirm.
iv. In case the deceased IP does not leave spouse or legitimate or adopted child or widowed
mother then the following relatives, if wholly or in part dependant on the earnings of the
Insured Person at the time of his death: -
a) a parent other than a widowed mother,
b) a minor illegitimate son, an unmarried illegitimate daughter or a daughter legitimate or
adopted or illegitimate if married and a minor or if widowed and a minor,
c) a minor brother or an unmarried sister or a widowed sister if a minor,
d) a widowed daughter-in-law,
e) a minor child of a pre-deceased son,
f) a minor child of a pre-deceased daughter where no parent of the child is alive, or
g) a paternal grand-parent if no parent of the insured person is alive.
4) 90 % of the average daily wages of the deceased IP, which will be called as full rate of the relief,
will be paid to the dependants of the IP who died due to COVID-19 disease in the manner as
under: -
i. to the spouse during life, an amount equivalent to three-fifths of the full rate. If there are
two or more widows, the amount payable to the spouse as aforesaid shall be divided equally
between the widows;
ii. to each legitimate or adopted son, an amount equivalent to two-fifths of the full rate until
he attains the age of twenty-five years. In the case of a legitimate or adopted son who is
infirm and is wholly dependent on the earnings of the insured person at the time of his
death, the relief shall continue to be paid while the infirmity lasts;
iii. to each legitimate or adopted unmarried daughter, an amount equivalent to two-fifths of the
full rate. In the case of legitimate or adopted daughter who is infirm and is wholly
dependent on the earnings of the insured person at the time of his death, the relief shall
continue to be paid while the infirmity lasts.
iv. to the widowed mother during life an amount equivalent to two-fifths of the full rate.
v. If the total of the relief distributed under the scheme among the spouse, legitimate or
adopted children and widowed mother of the deceased person as aforesaid exceeds at any
time the full rate, the share of each of these dependants shall be proportionately reduced, so
that the total amount payable to them does not exceed the amount of relief at the full rate.[भाग III—खण् ड 4] भारत का राजप्र ऄसाधारण 5
vi. In case the deceased person does not leave spouse or legitimate or adopted child or
widowed mother the relief shall be payable to other dependants as follows: -
a) To a parent other than the widowed mother or grand-parent, for life, at an amount
equivalent to three-tenths of the full rate and if there are two or more parents (other than
widowed mother) or grand-parents the amount payable to the parents (other than
widowed mother) or grand-parents as aforesaid shall be equally divided between them.
b) to any other — (i) male dependant, until he attains the age of eighteen years,
(ii) female dependant, until she attains the age of eighteen years or until marriage,
whichever is earlier or if widowed, until she attains eighteen years of age or re-
marriage, whichever is earlier at an amount equivalent to two-tenths of the full rate and
if there be more than one dependant under (b) the amount payable shall be distributed
equally.
5) The minimum relief under the scheme shall be Rs 1800/- per month.
Any objection or suggestion, which may be received from any person in respect of notification
within a period of thirty (30) days from the date of publication, will be considered by the Employees’ State
Insurance Corporation. The objections and suggestions, if any, may be addressed to Shri S Biswas,
Insurance Commissioner, Employees’ State Insurance Corporation, Panchdeep Bhawan, CIG Marg, New
Delhi 110002 (e-mail Id: dir-pnd@ esic.nic.in)
S. BISWAS, Insurance Commissioner (P&D)
[ADVT.-III/4/Exty./113/2021-22]
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.