Atal Beemit Vyakti Kalyan Yojana 2024 Features, Benefits and Eligibility

Atal Beemit Vyakti Kalyan Yojana 2024

Atal Beemit Vyakti Kalyan Yojana: The Employees’ State Insurance Corporation (ESIC) introduced the pilot scheme “Atal Beemit Vyakti Kalyan Yojana (ABVKY)” from July 1, 2018. It offers relief to insured persons (IPs) facing unemployment by providing cash compensation equal to 50% of their average daily earnings, for up to 90 days. Let’s Check the details of the scheme.

Overview Table Of Atal Beemit Vyakti Kalyan Yojana

Aspects	Details
Scheme Name	Atal Beemit Vyakti Kalyan Yojana (ABVKY)
Launch Date	July 1, 2018
Objective	The scheme aims to provide financial relief to insured persons (IPs) facing unemployment by offering cash compensation equal to 50% of their average daily earnings, for up to 90 days.
Relief Amount	50% of the employee’s average daily earnings from their last job.
Maximum Duration	Relief can be provided for up to 90 days during an individual’s lifetime of unemployment.
Qualification Requirements	– Completion of two years of insurable employment. – Contribution for at least 78 days in each of the three consecutive contribution periods.
Medical Benefits Eligibility	The insured person is eligible for medical benefits as per the Act during the period of receiving relief.
Additional Eligibility Details	– The insured person should have worked for at least two years before unemployment. – Contributed for at least 78 days in the immediate contribution period and a minimum of 78 days in one of the remaining three contribution periods in the two years prior to unemployment.
Claim Due Date	Claims become due 30 days

What Is Atal Beemit Vyakti Kalyan Scheme?

The Atal Beemit Vyakti Kalyan Scheme is a program by the Employees’ State Insurance Corporation (ESIC) to help people who lose their jobs. It started on July 1, 2018, for a trial period of two years. Under this program, if someone loses their job, they can get cash help equal to half of what they used to earn each day, for up to 90 days.

But to qualify, they must have worked for at least two years and paid into the insurance system for at least 78 days in each of the three months before they lost their job.

अटल बीमित व्यक्ति कल्याण योजना

अटल बीमित व्यक्ति कल्याण योजना (एबीवीकेवाई) एक कार्यक्रम है जिसे कर्मचारी राज्य बीमा निगम (ईएसआईसी) ने शुरू किया है। यह उन लोगों को मदद प्रदान करने के लिए है जो बेरोजगार हो गए हैं। इसकी शुरुआत 01.07.2018 से हुई थी, और यह एक अवधि के लिए शुरू की गई थी।

यह योजना के तहत, यदि कोई अपनी नौकरी खो देता है, तो उसे प्रति दिन कमाई के 50% के बराबर नकद सहायता प्राप्त हो सकती है, जिसकी अधिकतम सीमा 90 दिन होती है। लेकिन पात्रता के लिए, उन्हें कम से कम दो साल काम करना चाहिए और उन्होंने अपनी नौकरी खोने से पहले तीन अनुक्रमिक योगदान अवधियों में कम से कम 78 दिन की योगदान देनी चाहिए।

Atal Beemit Vyakti Kalyan Yojana Features and Benefits

Criteria	Explanation
Relief Amount	50% of the employee’s average daily earnings from their last job.
Maximum Duration	Relief can be provided for up to 90 days during an individual’s lifetime of unemployment.
Qualification Requirements	– Completion of two years of insurable employment. – Contribution for at least 78 days in each of the three consecutive contribution periods.
Medical Benefits Eligibility	The insured person is eligible for medical benefits as per the Act during the period of receiving relief.
Additional Eligibility Details	– The insured person should have worked for at least two years before unemployment. – Contributed for at least 78 days in the immediate contribution period and a minimum of 78 days in one of the remaining three contribution periods in the two years prior to unemployment.
Claim Due Date	Claims become due 30 days after the date of unemployment, reduced from the earlier period of 90 days.

Atal Beemit Vyakti Kalyan Yojana Eligibility

• The insured person must have lost their job when they apply for relief.
• They need to have worked for at least two years in a job covered by insurance.
• In the three months before losing their job, they must have worked for at least 78 days each.
• The employer must have paid or must be supposed to pay contributions for them.
• Losing the job can’t be because of misconduct, retirement, or leaving voluntarily.
• The insured person’s Aadhaar and bank account must be connected to the insurance database.
• All workers covered by the ESI Act are automatically part of the scheme, they don’t need to register separately.

Other conditions for the administration

Condition	Explanation
Multiple Employers	If an insured person (IP) works for more than one employer and is covered under the ESI scheme, they’re considered unemployed only if they lose their job with all employers.
Cash Compensation and Relief under ABVKY	An IP cannot receive both cash compensation and relief simultaneously under ABVKY for the same period, as per Section 65 of the ESI Act.
Periodical Payments for Permanent Disability	Payments for Permanent Disability Benefit (PDB) under the ESI Act and Regulations continue even if the IP receives relief under ABVKY.
Similar Benefits from Other Enactments	If an IP receives relief under ABVKY, they are not entitled to similar benefits from any other law, according to Section 61 of the ESI Act.

Disqualification/Termination of relief

• Employees going on strike during a lockout
• Employees declared to have illegally struck by the competent authority
• Voluntary abandonment, retirement, or premature retirement
• Less than two years of contributing service
• Reaching the age of retirement
• Conviction under Section 84 of the ESI Act for false statements
• Receiving relief under ABVKY while being re-employed elsewhere
• Dismissal or termination due to disciplinary action
• Death of the insured person

Extension Of Atal Beemit Vyakti Kalyan Yojana

Atal Beemit Vyakti Kalyan Yojana (ABVKY) is a welfare program under the Employees’ State Insurance (ESI) Act, 1948. It provides cash compensation for up to 90 days once during a worker’s lifetime in case of unemployment.

• The scheme began on 01.07.2018 and was extended twice due to the Covid-19 pandemic, from 01.07.2020 to 30.06.2021 and from 01.07.2021 to 30.06.2022.
• Eligibility criteria were relaxed from 24.03.2020:

Changes in Eligibility and Conditions

– Relief rate increased to 50% of average daily earnings.

– Minimum employment requirement: 2 years with contributions for at least 78 days in the preceding contribution period and 78 days in one of the remaining three contribution periods in the two years before unemployment. Previously, it required 78 days in each of four contribution periods.

– Claim waiting period reduced from 90 to 30 days.

– Employer filing and claimant affidavit submission no longer mandatory.

– All insured persons covered under the ESI Act are automatically entitled to the scheme; no separate registration is needed.

Atal Beemit Vyakti Kalyan Yojana Apply Online

• Visit the official website https://esic.gov.in/ to submit an online claim.
• Navigate to Services –> Employees –> IP Portal –> Select Insured Person –> Sign Up.

• New users need to complete the ‘Sign-Up’ process by providing Insurance Number, Date of Birth, and Mobile Number to obtain a User Name and password.

• Log in using the credentials and choose the scheme to claim benefits.
• Complete all mandatory fields in the form, including bank details.
• Download and fill the AB-1 Form, then upload the scanned copy along with Aadhaar Card on the website.
• Submit the application form after uploading all required documents.
• Print the submitted claim and the letter generated for the employer, sign it, and submit it along with the employer’s endorsement to the designated ESIC Branch Office.
• Upon receiving the claim, Branch Office staff will verify the details provided by the applicant. The system will calculate the relief eligibility and payment, transferring the amount directly to the IP’s bank account.

Mode of Payment

• Relief under ABVKY will be electronically transferred to IPs’ bank accounts by the Branch Office.
• In case of the IP’s death, the relief amount will be paid to the nominee/legal heir by account payee cheque.
• Bank account details in the ESIC Database are necessary for claiming relief. If not available, the Branch Manager can authenticate the claimant’s bank account using a cancelled cheque leaf or passbook with the claimant’s name.

Atal Beemit Vyakti Kalyan Yojana Documents Required

• Aadhaar card
• Bank passbook/cancelled cheque leaf (Account number, IFSC code, Branch name)
• Insurance detail
• Address proof
• Employer detail
• An affidavit
• Salary Slip for last two months
• Attendance sheet of the applicant
• Any other relevant documents, if required

Conclusion

Atal Beemit Vyakti Kalyan Yojana has been vital in aiding insured persons during job loss. Launched as a trial by ESIC on July 1, 2018, it offers cash compensation equal to 50% of daily earnings for up to 90 days. Eligibility requires a minimum work period and contributions. Extensions due to COVID-19 show its importance. ABVKY’s simple application process and timely payments provide a safety net for workers. Continued efforts to improve and expand will further benefit workers nationwide.

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