Bina Mulya Samajik Suraksha Yojana

Bina Mulya Samajik Suraksha Yojana is a comprehensive social security scheme initiated by the Government of West Bengal to provide financial assistance and social benefits to unorganized workers. This scheme is aimed at improving the living standards of unorganized workers by offering a safety net through various benefits, including a provident fund, health and family welfare, death and disability insurance, and educational assistance.

The primary goal of this initiative is to ensure that unorganized workers, who often lack formal employment benefits, receive adequate social security. This scheme covers various sectors such as construction, transport, and self-employed workers, ensuring they have access to essential social security benefits and improving their quality of life.

Feature	Description
Name of the Yojana	Bina Mulya Samajik Suraksha Yojana
State	West Bengal
Initiated By	Government of West Bengal
Yojana Overview	A comprehensive social security scheme for unorganized workers, providing benefits like provident fund, health and family welfare, death and disability insurance, and educational assistance.
Beneficiaries	Unorganized workers in West Bengal, including various trades like fishermen, street hawkers, and NGO workers.
Registration Process	Online
Official Website	bmssy.wblabour.gov.in

Objectives of Bina Mulya Samajik Suraksha Yojana

1. Financial Security: The scheme aims to offer financial stability to unorganized workers through a provident fund where the state government contributes ₹55 per month. This fund accumulates over time and provides a lump sum on retirement or in case of death.
2. Health and Family Welfare: To provide comprehensive health coverage, including financial assistance for medical and surgical expenses, ensuring workers and their families have access to necessary healthcare services.
3. Death and Disability Insurance: Offering significant financial compensation in case of accidental death, natural death, or severe disability, thus securing the future of the workers’ families.
4. Educational Assistance: Supporting the education of beneficiaries’ children, thereby ensuring that lack of funds does not hinder their educational progress.
5. Enhanced Social Security: To enhance the overall social security framework for unorganized workers, ensuring their well-being and reducing financial vulnerability.

Registration Process

The registration process for Bina Mulya Samajik Suraksha Yojana is designed to be user-friendly and accessible, primarily conducted online to facilitate ease of access for unorganized workers. Below is a detailed step-by-step guide on how to register for this scheme:

Step-by-Step Guide to Registration

Visit the Official Website

• The first step in the registration process is to visit the official website of the Bina Mulya Samajik Suraksha Yojana. The website URL is bmssy.wblabour.gov.in.
• This website serves as the primary portal for all registration and application processes related to the scheme.

New Registration

• On the homepage of the official website, you will find the option “New Registration by Beneficiary.” Click on this option to begin the registration process.
• This will direct you to the “Beneficiary Registration” page where you need to provide your personal and contact details.

Personal and Contact Details

• On the “Beneficiary Registration” page, fill in your personal details such as name, date of birth, gender, and contact information including mobile number and email address.
• Ensure that all the information provided is accurate and matches your official documents.

Creating Login Credentials

• After submitting your personal details, you will receive a username and password via email or SMS. These credentials will be used to log in to the portal for further steps.
• Make sure to keep these login details safe as they will be required for future access to your account and application status.

Logging In

• Use the username and password to log in to the official portal.
• Once logged in, you will be directed to a dashboard where you can complete the remaining steps of the registration process.

Providing Detailed Information

• After logging in, you need to provide detailed information in several sections. These include:
  • Basic Information: Personal details such as name, date of birth, and gender.
  • Address Details: Residential address and contact details.
  • Bank Details: Bank account number, IFSC code, and other relevant banking information.
  • Nominee Details: Information about the nominee who will receive benefits in case of the beneficiary’s death.
  • Dependent Details: Information about the dependents who might benefit from the scheme.

Document Upload

• You will need to upload scanned copies of various documents. These include:
  • Recent passport-sized photograph (mandatory).
  • Digital or scanned signature (mandatory).
  • Proof of identity such as Aadhaar Card or Voter ID.
  • Bank passbook for providing bank details (mandatory).
  • Proof of occupation in the unorganized sector.
  • Income certificate to prove eligibility based on income criteria.

Review and Submit

• After uploading all the required documents, review the information provided to ensure there are no errors or omissions.
• Once you are satisfied with the accuracy of the information, submit the application form.

Downloading and Uploading Form-1

• After submission, download Form-1 from the manual documents section available on the website. You can access Form-1 here.
• Complete Form-1 as per the instructions provided, and upload the scanned copy back to the portal.

Final Submission

• After all documents are uploaded and Form-1 is submitted, you can do a final review of your application.
• Click on the “Submit” button to complete the registration process.

Benefits of this Yojana

Bina Mulya Samajik Suraksha Yojana offers a range of benefits aimed at enhancing the social and financial security of unorganized workers. Here are the key benefits:

1. Provident Fund Contributions: The state government contributes ₹55 per month to the beneficiary’s provident fund. This amount includes the beneficiary’s contribution and a state grant. The accumulated fund, along with interest, is provided upon retirement or death, offering financial security in old age or unforeseen circumstances.
2. Health and Family Welfare:

• Medical Expenses: Beneficiaries and their family members receive financial assistance for hospitalization and outdoor treatment of ailments covered under WBHS 2008. The maximum annual assistance is ₹20,000, covering clinical tests, medicines, and hospitalization.
• Surgical Expenses: Financial assistance for any kind of surgery up to ₹60,000 per year. This includes full coverage for clinical tests, medicines, and hospitalization costs.
• Additional Provisions: For accidents requiring hospitalization for five or more days, compensation for loss of employment is provided. Claims for medical and surgical expenses and accident-related loss of employment are admissible at government or empaneled hospitals.

1. Death and Disability Insurance:

• Accidental Death: Compensation of ₹2,00,000.
• Natural Death: Compensation of ₹50,000.
• Disability: For minimum 40% disability certified by a government hospital, and up to ₹2,00,000 for total and irrecoverable loss of both eyes, hands, or feet.

1. Educational Assistance: Financial assistance for education is provided as follows:

• Class XI: ₹4,000 per annum
• Class XII: ₹5,000 per annum
• ITI Training: ₹6,000 per annum
• Undergraduate (Arts/Science/Commerce): ₹6,000 per annum
• Postgraduate (Arts/Science/Commerce): ₹10,000 per annum
• Polytechnic: ₹10,000 per annum
• Medical/Engineering: ₹30,000 per annum
• Assistance for completing UG education or equivalent skill development studies at ₹25,000 each for up to two daughters, provided they remain unmarried till completion of studies.

1. Compensation for Loss of Employment: In case of hospitalization, the scheme provides compensation for the beneficiary’s loss of employment, ensuring financial support during recovery.

Eligibility Criteria

To avail the benefits of “Bina Mulya Samajik Suraksha Yojana,” applicants must meet the following eligibility criteria:

1. Residence: Applicants must be residents of West Bengal.
2. Age: Applicants should be between 18 and 60 years of age.
3. Income: The family income should not exceed ₹6,500 per month, except for construction and transport workers, who have no upper income limit.
4. Occupation: The scheme is intended for unorganized workers engaged in various sectors such as:

• Automobile Repairing Garages
• Bakery
• Beedi Making
• Boatman Service
• Bone Mill
• Book Binding
• Brassware
• Cashew Processing
• Ceramic
• Cinema
• Clinical Nursing Homes/Private Hospitals
• Coir Industry
• Copywriting work in Court/Registration Office
• Cottage/Village based Cottage Industry
• Dal Mill
• Decoration
• Footwear (Leather, Rubber, Plastic)
• Forestry & Timber Operation
• Garments Making
• Handloom
• Hosiery
• Hotel & Restaurant
• Iron Foundry
• Khadi
• Lac Industry
• Leather & Leather Goods
• Linesman engaged in supply of Bakery Products
• Medical Plants other than Cinchona
• Oil Mill
• Paper Board & Straw Board Manufacturing
• Plastic Industry
• Power Loom
• Printing Press
• Rice Mill including Husking Mills
• Rubber & Rubber Products
• Saw Mill
• Security Agencies
• Sericulture
• Shops & Establishments (having less than 20 workers)
• Silk Printing
• Slaughter House
• Small Scale Engineering Units
• Small Scale Chemical Units
• Tailoring Industries
• Type Copying Work

Additionally, self-employed individuals in occupations such as land surveyors, ayahs/attendants in hospitals, barbers/beauticians, carpenters, cobblers, cycle rickshaw pullers, domestic servants, fishermen, goldsmiths, head-load workers, idol makers, railway hawkers, street hawkers, waste pickers, and workers of NGOs are also eligible.

Required Documents

Applicants need to submit the following documents while applying for Bina Mulya Samajik Suraksha Yojana:

1. Photo: A recent passport-sized photograph (mandatory).
2. Signature: A digital or scanned signature (mandatory).
3. Aadhaar Card or Voter ID: Proof of identity and residence.
4. Bank Passbook: For providing bank details (mandatory).
5. Proof of Occupation: Documents verifying the applicant’s occupation in the unorganized sector.
6. Income Certificate: Proof of family income, especially for those who are not construction or transport workers.

The Bina Mulya Samajik Suraksha Yojana is a crucial initiative aimed at providing social security to unorganized workers in West Bengal. It ensures that these workers receive essential financial assistance and social benefits, thereby improving their quality of life and providing them with a safety net. By offering a comprehensive range of benefits, this scheme plays a significant role in enhancing the social security framework for unorganized workers in the state.