Atal Beemit Vyakti Kalyan Yojana

The Atal Beemit Vyakti Kalyan Yojana is a significant initiative by the Government of India aimed at providing financial relief to unemployed insured persons. This scheme, introduced by the Employees’ State Insurance Corporation (ESIC) on a pilot basis, started on July 1, 2018, and aims to support employees covered under the Employees’ State Insurance Act who have become unemployed by offering cash compensation.

The scheme’s primary focus is to provide financial assistance to those who have lost their jobs, ensuring they can manage their daily expenses during unemployment. It offers cash compensation to the extent of 50% of the average per day earnings for a maximum of 90 days of unemployment. This scheme is particularly beneficial for insured persons who have completed at least two years of insurable employment and have contributed not less than 78 days in each of the three consecutive contribution periods immediately preceding the claim.

The Atal Beemit Vyakti Kalyan Yojana is administered by the ESIC, a body under the Ministry of Labour & Employment. The ESIC plays a crucial role in easing financial burdens for unemployed insured persons by providing them with monetary relief and medical benefits during their period of unemployment.

Feature	Description
Name of the Yojana	Atal Beemit Vyakti Kalyan Yojana
State	Applicable across India
Initiated By	Employees’ State Insurance Corporation (ESIC), Ministry of Labour & Employment, Government of India
Yojana Overview	The scheme provides relief to Insured Persons (IPs) who have become unemployed. It offers cash compensation of 50% of average per day earnings for up to 90 days of unemployment, provided the employee has completed two years of insurable employment and contributed at least 78 days in each of the three consecutive contribution periods before the claim.
Beneficiaries	Insured Persons (IPs) under the ESI Act who have become unemployed.
Registration Process	Online
Official Website	esic.gov.in

Objectives of Atal Beemit Vyakti Kalyan Yojana

The primary goal of the Atal Beemit Vyakti Kalyan Yojana is to assist insured persons in affording their daily expenses during periods of unemployment. Here are the detailed objectives:

1. Financial Relief: The scheme aims to provide financial relief to unemployed insured persons by offering cash compensation of 50% of their average daily earnings.
2. Support Daily Expenses: By offering this financial aid, the scheme ensures that beneficiaries can manage their basic needs and daily expenses without undue stress.
3. Stabilize Financial Condition: The scheme helps in stabilizing the financial condition of the beneficiaries during unemployment, thereby reducing economic hardships.
4. Encourage Continuous Employment: The eligibility criteria of the scheme encourage continuous employment and regular contributions to the ESIC, fostering a sense of security among employees.
5. Enhance Well-being: The overall objective is to enhance the financial stability and well-being of insured persons during periods of job loss.

Registration Process

The registration process for the Atal Beemit Vyakti Kalyan Yojana is conducted online through the ESIC portal. This comprehensive guide will walk you through each step to ensure a smooth application process.

Step-by-Step Guide to Register Online

1. Visit the Official Website:

• Begin by visiting the Employees’ State Insurance Corporation’s official website: esic.gov.in.

• On the homepage, navigate to the ‘Services’ section, then to ‘Employees’, followed by ‘IP Portal’. Select ‘Insured Person’ and click on ‘Sign Up‘.

2. Create an Account:

• For new users, the sign-up process involves filling in details such as Insurance Number, Date of Birth, and Mobile Number.
• Once these details are submitted, you will receive a User Name and password, which you will use to log in.

3. Log In and Select the Scheme:

• Use the credentials obtained during the sign-up process to log in to your account.
• After logging in, navigate to the section for claiming benefits and select the Atal Beemit Vyakti Kalyan Yojana.

4. Fill in Mandatory Details:

• You will be required to fill in various mandatory details in the online form. This includes personal information, employment history, and bank details.
• Ensure all information is accurate to avoid delays in the processing of your claim.

5. Download and Complete AB-1 Form:

• Download the AB-1 Form from the portal. Fill in all necessary details as required.
• This form is crucial as it contains specific information about your employment and insurance status.

6. Upload Required Documents:

• Once the AB-1 Form is filled, scan and upload it along with your Aadhaar Card and any other necessary documents.
• Ensure that all scanned documents are clear and legible.

7. Submit the Application:

• After uploading all required documents, submit the application form online.
• Print out the submitted claim and the system-generated letter to the employer. These documents must be signed and submitted in an affidavit along with the required forwarding by your employer to the designated ESIC Branch Office.

8. Verification and Payment:

• Upon receipt of your claim, the ESIC Branch Office staff will verify the details provided.
• The system will calculate your eligibility and the amount of relief based on the information submitted.
• The relief amount will then be electronically transferred directly to your bank account.

Mode of Payment

• Electronic Transfer: The relief under the Atal Beemit Vyakti Kalyan Yojana will be transferred directly to the bank accounts of Insured Persons (IPs) by the Branch Office.
• Payment to Nominees: In the event of the death of an IP, the relief amount will be paid to the nominee or legal heir through an account payee cheque.

Benefits of this Yojana

The Atal Beemit Vyakti Kalyan Yojana offers several key benefits:

1. Financial Assistance: Provides financial assistance in the form of 50% of the average per day earnings for up to 90 days of unemployment.
2. Medical Benefits: The Insured Person (IP) is eligible for medical benefits as provided under the ESI Act during the period of availing the relief.
3. No Additional Registration Required: All Insured Persons covered under the ESI Act are automatically entitled to the scheme benefits without the need for additional registration.
4. Support During Unemployment: The scheme helps in managing financial stress during unemployment, ensuring that beneficiaries can handle daily expenses without significant hardship.
5. Social Security: Enhances social security by providing a safety net for insured persons who lose their jobs.

Eligibility Criteria

To be eligible for the Atal Beemit Vyakti Kalyan Yojana, the following criteria must be met:

Key Eligibility Requirements

1. Insured Employment:

• The Insured Person (IP) must have been in insurable employment for a minimum period of two years immediately before unemployment.
• This ensures that the individual has a consistent employment history under the Employees’ State Insurance Act.

2. Contribution Period:

• The IP must have contributed for not less than 78 days in each of the three consecutive contribution periods immediately preceding the claim for relief.
• This requirement emphasizes the need for regular contributions to the ESIC.

3. Unemployment Status:

• The IP should have been rendered unemployed during the period the relief is claimed.
• The scheme does not cover voluntary unemployment or job loss due to misconduct or superannuation.

4. Employment Contribution:

• Contributions in respect of the IP should have been paid or be payable by the employer.
• This ensures that the individual was actively employed and contributions were being made to their insurance.

5. Linked Aadhaar and Bank Account:

• The Aadhaar and Bank Account of the Insured Person must be linked with the insured person database.
• This linkage is crucial for the verification process and for ensuring seamless transfer of benefits.

Additional Conditions

• Non-Eligibility for Simultaneous Benefits:
• An IP cannot receive any other cash compensation and relief under the ABVKY simultaneously for the same period. However, periodical payments of Permanent Disability Benefit (PDB) under the ESI Act and Regulations shall continue.
• Coverage for Multiple Employers:
• If an IP works for more than one employer, they will be considered unemployed only if they are rendered unemployed with all employers simultaneously.

Disqualification/Termination of Relief

• During Lockout: Relief is not available during periods of lockout declared by the competent authority.
• Illegal Strike: Relief is not provided during a strike declared illegal by the competent authority.
• Voluntary Abandonment: Voluntary abandonment of employment disqualifies the IP from receiving relief.
• Less Than Two Years of Service: If the IP has less than two years of contributory service, they are not eligible.
• Superannuation: On attaining the age of superannuation, the IP is disqualified.
• Conviction: If the IP is convicted under the provisions of Section 84 of the ESI Act, they are disqualified.
• Re-employment: Relief is terminated if the IP is re-employed elsewhere during the period of receiving benefits.
• Disciplinary Termination: Dismissal or termination under disciplinary action disqualifies the IP.
• Death: The relief ends on the death of the IP.

By understanding and following these detailed steps and criteria, eligible individuals can successfully apply for and benefit from the Atal Beemit Vyakti Kalyan Yojana.

Required Documents

The following documents are required to apply for the Atal Beemit Vyakti Kalyan Yojana:

1. Aadhaar Card: Essential for identity verification and linking with the insured person database.
2. Bank Passbook/Cancelled Cheque Leaf: Necessary for ensuring the correct transfer of benefits to the applicant’s bank account.
3. Insurance Details: Required to verify the insured person’s eligibility under the ESI Act.
4. Address Proof: To confirm the applicant’s residence.
5. Employer Details: Important for verifying the applicant’s employment and contribution status.
6. Affidavit: A signed affidavit confirming the unemployment status and other relevant details.
7. Salary Slip for Last Two Months: To verify the applicant’s earnings and employment status before unemployment.
8. Attendance Sheet: To confirm the applicant’s attendance and employment history.