Social security schemes are schemes that are regularised and controlled by government bodies for the purpose of providing social benefits to the members of the community as a whole, or of particular sections of the community.
In India, there are many types of social security schemes are running by the Indian government for giving benefits to the backwards communities.
Our today’s article is based on Social security schemes that are running in india, we are going to tell you each and every scheme for social benefits and what kind of benefits you will receive from these social security schemes.
Pradhan Mantri Shram Yogi Maan-Dhan (PMSYM) Pension Yojana – Social Security Schemes
- Voluntary and contributory pension scheme.
- Monthly contribution ranges from Rs.55 to Rs.200 depending upon the entry age of the beneficiary.
- 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government.
Eligibility for PMSYM
- Should be an Indian Citizen
- Unorganised Workers ( for example: working as street vendors, agricluture labourers, construction site workers, workers in industries of leather, handloom, mid-day meal workers, rickshaw pullers or auto wheelers, rag pickers, carpenters, fisherman’s etc.)
- Age group of 18-40 years
- Monthly income is below Rs.15000 and not a member of EPFO/ESIC/NPS.
Scheme Benefits
- After attaining the age of 60 yrs, beneficiaries are entitled to receive minimum monthly assured pension of Rs.3000/-.
- On death of the beneficiary, spouse is eligible for 50% monthly pension.
- If husband and wife, both join the scheme, they are eligible for Rs. 6000/- monthly pension jointly.
National Pension Scheme (NPS) | Social Security Schemes
- Voluntary and contributory pension schemes
- Monthly contribution ranges from Rs.55 to Rs.200 depending upon the entry age of the beneficiary.
- 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government.
Eligibility for NPS
- Should be an Indian Citizen
- Shopkeepers or owners who have petty or small shops, restaurants, hotels, real estate brokers, etc.
- Age of 18-40 years
- Not covered in EPFO/ESIC/PM-SYM
- Annual turnover not more then Rs. 1.5 Crore
Scheme Benefits
- Under the scheme, beneficiaries are entitled to receive minimum monthly assured pension of Rs.3000/- after attaining the age of 60 years.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) | Social Security Schemes
This scheme is run by the Department of Financial Services and is available through banks.
Eligibility for PMJJBY
- Should be an Indian Citizen
- In the age group 18 to 50 years
- Having Jandhan or saving bank account with Aadhaar.
- Auto-debit from bank account on consent
Scheme Benefits
- Rs.2 lakh on death due to any cause
Pradhan Mantri Suraksha Bima Yojana (PMSBY) | Social Security Schemes
This scheme is run by the Department of Financial Services and is available through banks.
Eligibility for PMJJBY
- Should be an Indian Citizen
- In the age group 18 to 70 years
- Having Jandhan or saving bank account with Aadhaar.
- Auto-debit from bank account on consent
Scheme Benefits
- Rs.2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability
Atal Pension Yojana (APY) | Social Security Schemes
This scheme is available through banks.
Eligibility for APY
- Should be an Indian citizen
- Between the age of 18-40 years
- Having bank account linked with Aadhaar
Scheme Benefits
- The contributor on his choice, can attain a pension of 1000-5000 rupees, or he can also get an accumulated sum of the pension after his death.
- The accumulated amount will be given to the spouse or if the spouse is dead as well then to the nominee.
Public Distribution System (PDS) | Social Security Schemes
Eligibility for APY
- Should be an Indian citizen
- All families below the poverty line.
- Any family which does not have a member between ages 15 and 59 years of age.
- Any family which has a disabled member is also eligible to avail of benefits under Pradhan Mantri Awas Gramin Yojana
- Those who do not have a permanent job and only engage in casual labour.
Scheme Benefits
- 35 kg of rice or wheat every month, while a household above the poverty line is entitled to 15 kg of food grain on a monthly basis.
- Being implemented as One Nation One Ration Card (ONORC)to enable migrant workers to receive the food grains wherever they are working.
Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) | Social Security Schemes
Eligibility for PMAYG
- Should be an Indian citizen
- Any family including workers, which does not have a member between ages 15 and 59 years of age.
- Any family which has a differently abled member is also eligible to avail benefits under Pradhan Mantri Awas Gramin Yojana
- Those who do not have a permanent job and only engage in casual labour.
Scheme Benefits
- Assistance provided to the Beneficiary to the tune of Rs.1.2 Lakh in plain areas and Rs. 1.3 Lakh in Hilly Areas.
National Social Assistance Programme (NSAP) | Social Security Schemes
Eligibility for NSAP
- Should be an Indian citizen
- Any person who has little or no regular means of subsistence from his/her own source of income or through financial support from family members or other sources.
Scheme Benefits
- Central Contribution @ Rs 300 to Rs 500 for different age group.
- Monthly pension ranges from Rs 1000 to Rs 3000/ depending upon State Goverment’s contribution.
What is E Pass, Know everything about E PASS
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) | Social Security Schemes
Eligibility for PMJAY
- Household with no adult/male/ earning member within the age group of 16-59 years
- Families living in one room with Kuccha walls and roof
- Families with no members within the age group of 16-59 years
- Household without a healthy adult member and one differently abled member
- Manual scavenger families
- Landless households earning a major part of their family income from manual labour
Scheme Benefits
- Pmjay: Health coverage of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization free of cost.
Health Insurance Scheme for Weavers (HIS) | Social Security Schemes
Eligibility for HIS
- Should be an Indian Citizen
- The weaver should be earning at least 50% of his income from handloom weaving
- All weavers, whether male or female, are eligible to be covered under the “Health Insurance Scheme”
Scheme Benefits
The beneficiaries would avail of a package of Rs 15,000 that includes both pre-existing diseases and new diseases. The division in terms of disbursement of the amount according to the medical conditions stands as- Maternity benefit (per child for the first two)- Rs 2500, Eye treatment – Rs 75, Spectacles – Rs 250, Domiciliary Hospitalisation- Rs 4000, Ayurvedic/Unani/Homeopathic/Siddha- Rs 4000, Hospitalization (including pre and post)- Rs 15000, Baby coverage-500, OPD and limit per illness- Rs 7500.
National Safai Karamcharis Finance and Development Corporation (NSKFDC) | Social Security Schemes
Eligibility for NSKFDC
- Should be an Indian Citizen
- People involved as Safai karmacharis and manual scavengers.
Scheme Benefits
The scheme provides financial assistance to the Safai Karamcharis, Manual Scavengers, and their dependents through SCAs/RRBs/Nationalized Banks for any viable income-generating scheme including sanitation-related activities and for education in India and Abroad.
Self Employment Scheme for Rehabilitation of Manual Scavengers | Social Security Schemes
Eligibility
- Should be an Indian Citizen
- Identified manual scavengers, one from each family, eligible for One Time Cash Assistance (OTCA) of Rs. 40,000/- or any such amount as OTCA as revised from time to time.
Scheme Benefits
The manual scavenger and the dependents shall be provided, free of cost, skill training of their choice from the list of such training organized by the National Safai Karmacharis Finance and Development Corporation (NSKFDC) from time to time. A monthly stipend of Rs. 3000/-(Rupees three thousand only) or any such amount as may be decided from time to time shall be remitted by NSKFDC.
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