The unorganized sector in West Bengal, consisting of construction and transport workers and self-employed individuals, is one of the most vulnerable sections of society. To address the non-uniformity in benefits received from various state-assisted schemes, the government of West Bengal has launched the Bina Mulya Samajik Suraksha Yojana. This article will cover the important aspects of the scheme, including its objectives, benefits, features, eligibility, required documents, and application procedure.
Objectives of the Yojana:
- To provide uniform benefits from various government schemes to the unorganized sector.
- To reduce occupation-based disparities among workmen.
- To improve the standard of living and make workmen self-dependent.
- To improve the social status of the beneficiaries.
Benefits of Bina Mulya Samajik Suraksha Yojana: The Bina Mulya Samajik Suraksha Yojana covers unorganized industries and self-employed occupations notified by the Labour Department, Government of West Bengal, along with construction and transport workers. The scheme requires the beneficiary to contribute Rs 25 per month towards the provident fund, but this contribution has been waived by the government starting 1st April 2020, and the government will now pay the amount.
Features of the Scheme:
- Integration of various schemes launched for the unorganized sector.
- Uniformity of benefits.
- Coverage of unorganized industries, self-employed occupations, and construction and transport workers.
- Waived monthly contribution to the provident fund.
- Improved standard of living for the beneficiaries.
- Self-dependence for workmen.
- Improved social status for the beneficiaries.
Eligibility Criteria: To be eligible for the Bina Mulya Samajik Suraksha Yojana, the beneficiary must belong to the unorganized sector and must be a resident of West Bengal.
- Proof of residence in West Bengal.
- Proof of belonging to the unorganized sector.
- Any other relevant documents as required by the government.
FAQ on Bina Mulya Samajik Suraksha Yojana
Q: What is Bina Mulya Samajik Suraksha Yojana?
A: Bina Mulya Samajik Suraksha Yojana is a scheme in West Bengal that provides various benefits to eligible workers such as a Provident Fund, Health and Family Welfare, Death and Disability assistance, Education, Training in Safety and Skill Development, and more.
Q: What is the Provident Fund under Bina Mulya Samajik Suraksha Yojana?
A: The Provident Fund under Bina Mulya Samajik Suraksha Yojana requires eligible workers to contribute Rs 25 per month towards the fund, with a matching grant of Rs 30 from the state government. The state government will also pay the interest on the deposit and refund the total amount with interest to the worker or nominee in the event of discontinuation or death.
Q: What health and family welfare benefits does Bina Mulya Samajik Suraksha Yojana provide?
A: Bina Mulya Samajik Suraksha Yojana provides a financial assistance of up to Rs 20000 per annum for hospitalization or outdoor treatment, up to Rs 60000 per annum for surgery, and a payment for loss of employment due to hospitalization. The beneficiary and their family members can claim these benefits more than once a year, subject to a limit of Rs 20000 or Rs 60000 per annum.
Q: What benefits are provided in case of death or disability under Bina Mulya Samajik Suraksha Yojana?
A: In case of death due to accident, the nominee is eligible for Rs 200000, while in case of normal death the nominee is eligible for Rs 50000. If the beneficiary undergoes 40% or more disability, they are eligible for Rs 50000, and in case of total and irrecoverable loss of both eyes, both hands/feet or sight in one eye or use of one hand/foot, the beneficiary is eligible for Rs 200000 or Rs 100000 respectively.
Q: What education benefits are provided under Bina Mulya Samajik Suraksha Yojana?
A: Bina Mulya Samajik Suraksha Yojana provides financial assistance for education to the children of beneficiaries, ranging from Rs 4000 p.a for reading in class 11th to Rs 30000 p.a for mechanical/engineering. Financial assistance of Rs 25000 is provided for two unmarried daughters who complete undergraduate education or equivalent skill development studies.
Q: What kind of training is provided under Bina Mulya Samajik Suraksha Yojana?
A: Bina Mulya Samajik Suraksha Yojana provides training in safety and skill development to workers through the Paschim Banga Society for Skill Development. The funding for the training is arranged from construction worker cess, transport cess, and the state budget of the Labour Department.
Q: Who is responsible for maintaining accounts and audits under Bina Mulya Samajik Suraksha Yojana?
A: The Board is responsible for maintaining separate accounts for the scheme and getting the accounts audited by an auditor. The CEO of the Board is required to send an annual budget and performance report along with the audited report of accounts to the state government. The state government bears the costs of the administration of the scheme.