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In case of temporary disability arising out of an employment 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 not less than 70% of the daily average wages. The Benefit is, however, not payable if the incapacity does not exceed 3 days excluding the date of accident.
Occupational Diseases:
A Sizeable number of insured persons in a variety of industrial units, factories and establishments are exposed to the risks of employment injury or occupational diseases. Often, such exposure to employment related hazards is irreversible and proves fatal. Occupational diseases are caused by continuous exposure to toxic and hazardous materials or substances used or manufactured in industries. The degree of hazards/exposure may, however, vary from industry to industry. Advanced clinical technology and medical research, in the recent years, have been able to co-relate a number of hitherto lesser known diseases to a variety of occupations. About  50% of the workers now covered under the E.S.I. Scheme for health insurance and other integrated social security benefits, are exposed to the risks of occupational diseases and other employment hazards. It was in this background and keeping in view the increasing number of insured population exposed to occupational risks that the Employees’ State Insurance Corporation decided to establish four Zonal Occupational-Diseases-Cum-Research Centres at Delhi, Mumbai, Kolkata and Chennai. The setting up of these centres has, no doubt, been a conceptual breakthrough and a big step forward in the E.S.I. Scheme. However, preventive measures like environment planning and introduction of basic safety measures will continue to remain pivotal pre-requisites for protection of workforce exposed to occupational risks/hazards.
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