SOCIAL SAFETY NET

Presented byDr.Sachin ParmarP.G. RESIDENTCOMMUNITY MEDICINE DEPT.MGM MC INDORE

DEFINITION Social safety nets, or "socioeconomic

safety nets", are non-contributory transfer programs seeking to prevent the poor or those vulnerable to shocks and poverty from falling below a certain poverty level.

Safety net programs can be provided by the public sector (the state and aid donors) or by the private sector (NGOs, private firms, charities, and informal household transfers)

INTRODUCTION

According to the World Labor Report 2000 :-Despite the broad coverage of the term social security in India, the policy is not coherent, and “spending” on these measures is extremely low and extremely scattered, if not paltry, as will be outlined below., public expenditure on social security in India is 1.8% of GDP, against 4.7% in Sri Lanka, or 3.6% in China

INTRODUCTION(CONTD.) WASHINGTON, May 13, 2014 On average, developing countries spend 1.6 percent

of their GDP on social safety nets. This is low compared to other public policy measures such as fuel subsidies, which do not target the poorest. More can be done to reach the world’s poorest people,” said Arup Banerji, the World Bank’s Director for Social Protection and Labor. “There is a strong and growing body of evidence that social safety nets are one of the most cost-effective ways for countries to end extreme poverty and promote shared prosperity.”

INTRODUCTION(CONTD.) Three countries –India, China and

Brazil—have the largest social safety nets programs in the world, and account for almost half of global coverage. Lower-income countries are learning from their experience,” said Banerji

SOCIAL PROTECTION PROGRAMMES IN INDIA CAN BE BROADLY CATEGORIZED AS

Improving living standards of the poor

Targeted social security programmes for the very poor,

social security measures for unorganized/informal sector workers and

• Handloom Weavers’ Comprehensive Welfare Scheme, National Scheme for Welfare of Fishermen and Training & Extension , Aam Admi Bima Yojana (AABY),Rajiv Gandhi Shilpi Swasthya Bima Yojana and , Bima Yojana for Handicrafts Artisans

Social security measures for organized/formal sector workers

IMPROVING LIVING STANDARDS OF THE POOR - Sarva Shiksha Abhiyan (SSA: Education for

All): The Right to Education (RTE) Act, enacted in 2009 and enforced from 1.4.2010, gave a statutory base for providing education. SSA, launched in 2001-02, addresses the educational needs of children in the age-group of 6-14 years by strengthening educational infrastructure in terms of opening of new schools, construction, renovation and expansion of school buildings and providing other amenities like text books etc. It covers about 194 million children in over 1.22 million habitations.

HOUSING-: INDIRA AWAS YOJANA (IAY),

Indira Awas Yojana (IAY), Target Groups Indira Awaas Yojana is essentially a public housing scheme for the poor , below poverty line (BPL) houseless families identified by the community through Gram Sabhas.

INDIRA AWAS YOJANA (CONTD.) following criteria suggested for such

identification from time to time. financial assistance to the tune of Assistance for construction of a new house; this would be Rs.70,000/- in plain areas, Rs.75,000/- in hilly states is provided

DRINKING WATER AND SANITATION

The National Rural Drinking Water Programme (NRDWP) ensures supply of adequate water for drinking, cooking and other domestic needs on a sustainable basis in rural areas. Access to sanitation in rural areas is provided through Total Sanitation Campaign (TSC) which follows a community-led and people-centric approach with components like information, education and communication for demand generation for sanitation facilities, individual household latrines, community sanitary complexes, school sanitation and hygiene education (SSHE) etc.

CHILD NUTRITION THE INTEGRATED CHILD DEVELOPMENT SERVICES (ICDS)

The Integrated Child Development Services (ICDS) is a nutrition and child development scheme launched in 1975 with the objective of improving the nutritional and health status of children in the age group of 0-6 years to reduce the incidence of mortality, morbidity and malnutrition and enhance the capability of mother to look after the health and nutritional needs of the children. The programme covers about 89.3 million children and pregnant/lactating mothers.

THE MID DAY MEAL (MDM) SCHEME The Mid Day Meal (MDM) Scheme

covers elementary education (upto 8th class) and aims at providing Free.” hot, cooked mid-day meal with the stipulated, nutritive and calorific value.”

About 120 million children are being covered.

TARGETED PUBLIC DISTRIBUTION SYSTEM A Targeted Public Distribution System

(TPDS) is in place to provide subsidized foodgrains to the disadvantaged populace. It will also facilitate operationalisation of the proposed National Food Security Act which will then provide statutory food security to the vulnerable.

Annapurna Scheme: Annapurna" scheme, it is intended to provide 10 kgs. of foodgrains per month free of cost to all such person who are though eligible for old age pension under NOAPS, are presently not receiving it.

NATIONAL FLOOR LEVEL MINIMUM WAGE Apart from both the Central and

State Governments fixing minimum rates of wages under the Minimum Wages Act, 1948 for various employments under their respective jurisdiction, the Central Government fixes the National Floor Level Minimum Wage (NFLMW) revising it from time to time. It presently stands at Rs.115/- per day w.e.f. 1.4.2011.

SELF -EMPLOYMENT AND WAGE EMPLOYMENT SCHEMES

Swarnajayanti Gram Swarojgar Yojana (SGSY): Under SGSY financial assistance is provided to members of Below Poverty Line (BPL) families for creating income generating assets through a mix of bank credit and subsidy.

Swarna Jayanti Shahari Rozgar Yojana (SJSPY) is an employment-oriented urban poverty alleviation scheme.

Prime Minister’s Employment Generation Programme (PMEGP) aims at generating self-employment by providing credit linked subsidy for setting up of micro enterprises.

TARGETED SOCIAL SECURITY PROGRAMMES FOR THE VERY POOR

Employment Security The Mahatma Gandhi National

Rural Employment Guarantee Act (MGNREGA) aims at enhancing the livelihood security of people in rural areas by guaranteeing 100 days of wage employment in a financial year to a rural household..

NATIONAL SOCIAL ASSISTANCE PROGRAMME - PENSIONS

Indira Gandhi National Old Age Pension Scheme (IGNOAPS) : Under IGNOAPS all citizens living below poverty line (BPL) and above the age of 65 years are provided pension of Rs. 200/- per month from the Central Government. In addition, State Governments provide old age pension ranging from Rs. 200/- to Rs. 1000/- per month.

Indira Gandhi National Widow Pension Scheme (IGNWPS): Under IGNWPS pension is given to the widows aged between 45 and 64 years of age of BPL households. The pension amount is Rs. 200/- per month per beneficiary paid by the Central Government. The State Government concerned is also expected to provide an equal amount to the person.  

NATIONAL SOCIAL ASSISTANCE PROGRAMME – PENSIONS(CONTD.)

Indira Gandhi National Disability Pension Scheme (IGNDPS): Under IGNDPS a BPL person aged between 18-64 years of age and suffering from severe or multiple disability is given pension amounting to Rs. 200/- per month by the Central government and the State Government concerned is also expected to contribute an equal amount.

HEALTH According to international statistics, over 300 million people in

India live in extreme poverty on less than US$1 a day, and over 500 million on less than US$2 a day. Only half of the population has access to piped water, and most health services (in fact about 92%) are paid for out of pocket, making India’s health system the biggest private health service in the world.

National Rural Health Mission (NRHM): In order to provide health security, especially to women, children and the poor residing in rural areas, NRHM was launched in 2005. It adopts a synergistic approach covering vital determinants of health like nutrition, sanitation, hygiene and safe drinking water. Its major goal is to reduce infant and maternal mortality rate, prevention of communicable and non-communicable diseases etc.

JANANI SURAKSHA YOJANA (JSY): JSY, launched on 12.4.2005 , is a safe

motherhood intervention under the NRHM. It is being implemented with the objective of reducing maternal and neo- natal mortality by promoting institutional delivery among poor pregnant women.

Category of States

RURAL AREA URBAN AREAPackage to Mother Package for

ASHA*total Package to

MotherPackage for ASHA**

total

LPS 1400 600 2000 1000 400 1400HPS 700 600 1300 600 400 1000

JANANI SURAKSHA YOJANA (CONTD.) *ASHA package of Rs. 600 in rural areas include Rs. 300 for ANC

component and Rs. 300 for facilitating institutional delivery. **ASHA package of Rs. 400 in urban areas include Rs. 200 for

ANC component and Rs. 200 for facilitating institutional delivery. In LPS, all women delivering in govt. and accredited private

institutions are eligible. In HPS, only BPL and SC/ST women delivering in govt. and

accredited private institutions are eligible. Earlier restrictions on age and parity in HPS are removed. Cash assistance for home delivery (Rs. 500) is available for only

BPL pregnant women. Earlier age (>19 years) and parity (upto 2 live births)

restrictions are removed.

JSSK(JANANI SHISHU SURAKSHA KARYAKRAM) For Mothers:- JSSK would include: free and cashless Delivery, free C-Section, free treatment of sick-new-born up to 30

days, exemption from user charges, free drugs and

consumables, free diagnostics, free diet during stay in the health institutions – 3 days in

case of normal delivery and 7 days in case of caesarean section,

free provision of blood, free transport from home to health institutions, free transport between facilities in case of referral as also

drop back from institutions to home after 48hrs stay.

FOR INFANTS The following are the Free Entitlements for

Sick newborns till 30 days after birth.This has now been expanded to cover sick infants:  

similarly include free treatment, free drugs and consumables, free diagnostics, free provision of blood, exemption from user charges, free transport from home to health institutions, free transport between facilities in case of referral

and free drop back from institutions to

SOCIAL SECURITY MEASURES FOR UNORGANIZED/INFORMAL SECTOR WORKERS

In order to ensure welfare of workers in the unorganized sector which include weavers, handloom workers, fishermen and fisherwomen, toddy (local brew) tappers, leather workers, plantation labour, beedi (local cigar) workers etc.

the Unorganized Workers’ Social Security Act, 2008 has been enacted which entails formulation of schemes to provide for life and disability cover, health & maternity benefits, old age protection and any other benefit as may be determined

HEALTH INSURANCE {RASTRIYA SWASTHYA BIMA YOJANA (RSBY) }

Rastriya Swasthya Bima Yojana (RSBY) is a health insurance scheme providing for smart card based cashless cover of Rs.30,000/- to a BPL family of 5 covering all pre-existing diseases, hospitalization expenses and transport cost.

DEATH AND DISABILITY INSURANCE

Aam Admi Bima Yojana (AABY): AABY provides for death and disability insurance cover to rural landless households amounting to Rs. 30,000/- in case of natural death , Rs. 75,000/- in case of accidental death and total permanent disability and Rs. 37,500/- in case of partial permanent disability. Under the scheme two children of the beneficiaries studying in 9th to 12th standards are given scholarships at the rate of Rs. 300/- per quarter per child.

DEATH AND DISABILITY INSURANCE(CONTD)

Handicraft Artisans’ Comprehensive Welfare Scheme: It has two components, namely, (i) Rajiv Gandhi Shilpi Swasthya Bima Yojana and (ii) Bima Yojana for Handicrafts Artisans. The scheme covers the artisan’s family of four comprising self and any three members of family and provides for annual health package amounting to Rs. 15,000/- including Rs. 7,500/- for OPD. An insurance cover of Rs. 0.1 million is also available for the personal accident, death, and disability of the insure artisan’s

DEATH AND DISABILITY INSURANCE(CONTD)

National Scheme for Welfare of Fishermen and Training & Extension: the scheme provides for group accident insurance for active fishermen, development of model fisherman villages, saving cum relief and training cum extension facilities etc.

SOCIAL PROTECTION MEASURES FOR ORGANIZED/FORMAL SECTOR WORKERS

The organized sector workers are being provided social protection through operation of various Acts like:

The Employees’ Compensation Act, 1923  The Employees’ State Insurance Act,

1948 The Plantation Labour Act, 1951 The Maternity Benefit Act, 1961

THE EMPLOYEES’ COMPENSATION ACT, 1923

The Act imposes an obligation upon the employers to pay compensation to workers for accidents arising out of and in the course of employment. The Act has been amended by changing its title from the Workmen’s Compensation Act to the present one to make it gender- neutral and enhance the rates of compensation.

 THE EMPLOYEES’ STATE INSURANCE ACT, 1948

It provides for health care and cash benefit payments in the case of sickness, maternity and employment injury. The Act has been amended to improve the quality of service under the scheme and also enable ESI infrastructures to be used to provide health care to workers in the unorganized sector.

THE PLANTATION LABOUR ACT, 1951 : It deals with welfare facilities to be

provided to plantation workers and has been amended recently to provide safety and occupational health care.

THE MATERNITY BENEFIT ACT, 1961 The Act promotes women’s welfare by

providing for paid maternity leave etc. The Act was amended to enhance the rate of medical bonus from Rs. 250/- to Rs. 1,000/- , while empowering the government to enhance it further within every three years subject to a maximum of Rs. 20,000/-.

NEW INITITATIVES Pradhanmantri Jan Dhan Yojana Pradhan Mantri Suraksha Bima

Yojana Atal Pension Yojana Pradhan Mantri Jeevan Jyoti

Bima Yojana

PRADHANMANTRI JAN DHAN YOJANA

-PMJDY

INTRODUCTION On 15th August 2014, India’s prime minister Narendra Modi announced the

financial inclusion mission titled “Pradhanmantri Jan-Dhan Yojana”.“Economic resources of the country should be utilized for

the well-being of the poor.The change will commence from this point”.

India’s Prime minister announced the launch of this scheme at the Red Fort on the occasion of India’s Independence Day.

Launched on 28 August in 77000 of arias.

ABOUT PMJDY

The name “Jan Dhan” was chosen through an Online Competition on the MyGov Platform, received more than 6000 suggestions from Indian citizens.

7 individuals was suggested “Jan Dhan”. Slogan – Mera Khata-Bhagya Vidhaatha. Primarily the PMJDY Scheme is meant for those who

do not have a savings bank account. Only 58% of Indian citizens are having a bank

account.

AIM OF PMJDY To bring poor financially

excluded people into banking system.

It covers both urban & rural areas.

Raise of Indian Economy.

To decrees corruption in Govt subsidy schemes.

Digital India.

BENEFITS OF OPENING BANK A/C UNDER PMJDY

Account can opened with zero balance.

Not required to maintain any minimum balance.

ATM card can be issued. Accident insurance up to

100,000. Medical insurance cover of

30,000. 5000 of overdraft available only

after 6 months if your account is found.

RULES FOR THE PRADHAN MANTRI SURAKSHA BIMA YOJANA

DETAILS OF THE SCHEME: The scheme will be a one year cover, renewable from year to year,

Offering accidental death and disability cover for death or disability on account of an accident.

Benefits: a. Death Rs. 2 Lakh b. Total and irrecoverable loss of both

eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot Rs. 2 Lakh

c. Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot Rs. 1 Lakh

PRADHAN MANTRI SURAKSHA BIMA YOJANA(CONTD.)

Premium: Rs.12/- per annum per member. The premium will be deducted from the account holder’s savings bank account through ‘auto debit’ facility in one installment on or before 1st June of each annual coverage period under thescheme.

However, in cases where auto debit takes place after 1st June, the cover shall commence from the first day of the month following the auto debit.

Eligibility Conditions: The savings bank account holders of

the participating banks aged between 18 years (completed) and 70 years (age nearer birthday) who give their consent to join / enable auto-debit, as per the above modality, will be enrolled into thescheme. In case of Joint Account holders, both the Account holders are eligible to join on payment of premium for each account holders.

TERMINATION OF COVER:

1) On attaining age 70 years (age nearest birth day).2) At the time of renewal, closure of account with the Bank or

insufficiency of balance to keep the insurance in force.3) In case a member is covered through more than one

account and premium is received by the Insurance Company inadvertently, insurance cover will be restricted to one only and the premium shall be liable to be forfeited.

4) If the insurance cover is ceased due to any technical reasons such as insufficient balance on due date or due to any administrative issues, the same can be reinstated on receipt of full annual premium, subject to conditions that may be laid down. During this period, the risk cover will be suspended and reinstatement of risk cover will be at the sole discretion of Insurance Company.

5) Participating banks will deduct the premium amount in the same month when the auto debit option is given, preferably in May of every year, and remit the amount due to the Insurance Company in that month itself.

ATAL PENSION YOJANA:- INTRODUCTION The GoI has therefore announced a new scheme called

Atal Pension Yojana (APY)1 in 2015-16 budget. The APY is focussed on all citizens in the unorganized sector.

Under the APY, there is guaranteed minimum monthly pension for the subscribers ranging between Rs. 1000 and Rs. 5000 per month.

The benefit of minimum pension would be guaranteed by the GoI.

GoI will also co-contribute 50% of the subscriber’s contribution or Rs. 1000 per annum, whichever is lower.

INTRODUCTION(CONTD) Government co-contribution is available for those

who are not covered by any Statutory Social Security Schemes and is not income tax payer.

GoI will co-contribute to each eligible subscriber, for a period of 5 years who joins the scheme between the period 1st June, 2015 to 31st December, 2015. The benefit of five years of government Co-contribution under APY would not exceed 5 years for all subscribers including migrated Swavalamban beneficiaries.

All bank account holders may join APY.

Eligibility APY is applicable to all citizen of India

aged between18-40 years. Aadhaar will be the primary KYC.

Aadhar and mobile number are recommended to be obtained from subscribers for the ease of operation of the scheme. If not available at the time of registration, Aadhar details

may also be submitted later stage.

ON DISCONTINUATION OF PAYMENTS Discontinuation of payments of

contribution amount shall lead to following: After 6 months account will be frozen. After 12 months account will be

deactivated. After 24 months account will be closed. Subscriber should ensure that the Bank

account to be funded enough for auto debit of contribution amount.

Exit : On attaining the age of 60 years: The exit from APY is permitted at the age with 100%

annuitisation of pension wealth. On exit, pension would be available to the subscriber.

In case of death of the Subscriber due to any cause:In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.

Exit Before the age of 60 Years: Exit before 60 years of age is not permitted however it

is permitted only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease.

PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA

DETAILS OF THE SCHEME: The scheme will be a one year cover, renewable from year to year, Insurance Scheme offering life insurance cover for death due to any reason. The scheme would be offered / administered through LIC and other Life Insurance companies willing to offer the product on similar terms with necessary approvals and tie ups with Banks for this purpose. Participating banks will be free to engage any such life insurance company for implementing the scheme for their subscribers.

DETAILS OF THE SCHEME(CONTD.) Scope of coverage: All savings bank

account holders in the age 18 to 50 years in participating banks will be entitled to join.

Benefits: Rs.2 lacs is payable on member’s death due to any reason.

Premium: Rs.330/- per annum per member.

DETAILS OF THE SCHEME(CONTD.) Eligibility Conditions: The savings bank

account holders of the participating banks aged between 18 years (completed) and 50 years (age nearer birthday) who give their consent to join / enable auto-debit, as per the above modality, will be enrolled into the scheme.