ESI Act & ESIC — Set 10
Labour Laws · ESI अधिनियम और ESIC · Questions 91–100 of 140
Under the ESI Act, the ESIC has the power to provide housing to workers under which scheme?
Correct Answer: C. ESIC Housing Scheme
The ESIC has its own housing scheme for insured persons and their families to provide affordable housing. The scheme allows ESIC beneficiaries to avail housing loans at subsidized rates. The ESIC Housing Scheme is one of several welfare measures beyond the basic six branches of benefit. This scheme supports workers in obtaining stable housing.
Under the ESI Act, how is 'daily average wage' for calculating benefits determined?
Correct Answer: B. By dividing wages in contribution period by number of days in the period
Under the ESI Act, the daily average wage for calculating cash benefits is determined by dividing the total wages earned by the insured person during a contribution period by the number of days in that period for which wages were payable. This calculation gives the Standard Benefit Rate (SBR) which is then used to calculate specific benefits. The SBR varies for each insured person based on their actual earnings.
Under the ESI Act, family members of insured persons who receive medical benefit are called:
Correct Answer: B. Dependants
Under the ESI Act, the family members of insured persons who are entitled to medical benefit are referred to as 'dependants'. Dependants include the spouse, minor legitimate or adopted children, and parents who are wholly dependent on the insured person. Dependants do not pay contributions but are entitled to receive medical care at ESIC hospitals and dispensaries.
Under the ESI Act, sickness benefit cannot be claimed for illness arising from:
Correct Answer: B. Self-inflicted injury or addiction
Under the ESI Act, sickness benefit can generally be claimed for any certified illness preventing a worker from working. However, benefits may be withheld or reduced in cases of willful misconduct, self-inflicted injuries, or substance abuse leading to illness. The ESI scheme aims to protect workers from genuine health risks and not to subsidize reckless behavior.
What is the significance of Maternity Benefits in Indian labour law?
Correct Answer: C. Worker protection
The correct answer is Worker protection. Maternity Benefits is a crucial aspect of Indian labour law designed to protect worker interests and ensure fair practices in employment. This topic is frequently tested in competitive examinations such as RRB NTPC, SSC, and UPSC.
Under the ESI Act, the ESI scheme provides for which of the following rehabilitation services?
Correct Answer: B. Vocational rehabilitation for disabled workers
The ESIC provides vocational rehabilitation services to permanently disabled insured workers to help them regain earning capacity and reintegrate into the workforce. ESIC runs vocational rehabilitation centres in various states. Workers undergoing vocational rehabilitation receive a rehabilitation allowance during the training period. This service goes beyond cash benefits to provide comprehensive support.
Under the ESI Act, to be eligible for disablement benefit, when must the injury occur?
Correct Answer: C. Arising out of and in the course of insurable employment
Under the ESI Act, to be entitled to disablement benefit, the injury must arise out of and in the course of insurable employment. This phrase has been interpreted broadly by courts to include injuries during transit to and from work if the employer provides transport, injuries during authorized travel for work, and activities incidental to employment. The injury need not occur on factory premises.
Under ESI, which of the following is covered under 'occupational disease'?
Correct Answer: B. Diseases listed in the Third Schedule to the ESI Act
Under the ESI Act, occupational diseases are those listed in the Third Schedule to the Act. These include diseases associated with specific types of work such as silicosis (stone workers), occupational deafness (noisy industries), poisoning by certain chemicals, anthrax, and others. If an insured worker contracts a scheduled occupational disease, it is automatically treated as arising out of employment.
Under the ESI Act, the term 'wages' for ESI purposes excludes:
Correct Answer: C. Annual bonus and overtime above normal hours
The correct answer is Annual bonus and overtime above normal hours. Under Section 2(22) of the ESI Act, 'wages' for ESI contribution purposes excludes annual bonus paid as per contract, retrenchment compensation, overtime wages for work beyond normal hours as specifically excluded, and payments of any kind made under this or any other Act. However, basic pay, dearness allowance, and other regular allowances paid at regular intervals are included in wages. This topic is frequently tested in competitive examinations such as RRB NTPC, SSC, and UPSC.
Under the ESI Act, the Aadhar seeding with ESIC records has which benefit?
Correct Answer: B. Prevents duplicate registration and ensures correct identity verification
ESIC has implemented Aadhaar seeding (linking) with its database to prevent duplicate registrations, ensure correct identity of insured persons, and enable direct benefit transfer to bank accounts. Aadhaar seeding has helped ESIC identify ghost beneficiaries and ensure that benefits reach genuine insured persons. It also enables paperless processing of claims and benefits.