The Bina Mulya Samajik Suraksha Yojana (BM-SSY) is a comprehensive social security scheme aimed at improving the lives of unorganised workers and their families in West Bengal. The scheme covers a wide range of benefits—including provident fund contributions, health and family welfare support, death and disability benefits, and educational assistance—targeted at workers across various unorganised industries and self-employed persons.
Key Benefits
1. Provident Fund
- Monthly Contribution:
The State Government contributes a total of ₹55/- per month (comprising ₹25/- from the beneficiary and ₹30/- as a State Grant). - Disbursement:
The accumulated amount along with interest is refunded on retirement or death.
2. Health and Family Welfare
- Medical Expenses:
- Financial assistance for hospitalization and outpatient treatment is available, with an annual maximum of ₹20,000/-.
- This includes full coverage for clinical tests, medicines, and hospitalization.
- In case of hospitalization, compensation for loss of employment is provided.
- Surgical Expenses:
- Up to ₹60,000/- per year is available for surgical procedures, including full coverage of related tests, medicines, and hospitalization.
- Accident-Related Provisions:
- For accidents requiring hospitalization for five or more days, additional compensation for loss of employment is provided.
- Claims for medical and surgical expenses, as well as accident-related employment loss, are accepted only at government or empaneled hospitals.
3. Death and Disability Benefits
- Accidental Death:
- A lump sum of ₹2,00,000/- is provided to nominees if the beneficiary dies due to an accident.
- Normal Death:
- A lump sum of ₹50,000/- is provided.
- Disability Benefits:
- For a minimum of 40% disability (certified by a Government Hospital), benefits are provided according to the severity.
- Severe Cases:
- Total and irrecoverable loss of both eyes or loss of use of both hands/feet or loss of sight in one eye with loss of use of one hand/foot qualifies for ₹2,00,000/-.
- Loss of sight of one eye or loss of use of one hand/foot qualifies for ₹1,00,000/-.
4. Educational Assistance
- Assistance Scale:
- Class XI: ₹4,000/- per annum
- Class XII: ₹5,000/- per annum
- Under Training at ITI: ₹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
- Additional Benefit:
- For completion of undergraduate education or equivalent skill development studies, a benefit of ₹25,000/- per daughter (up to two daughters) is provided, provided the daughter remains unmarried until completion of studies.
Eligibility Criteria
- Residency:
Applicants must be residents of West Bengal. - Age Group:
The scheme typically targets workers between 18 and 60 years of age. - Income Limit:
- For most unorganised workers, the family income should not exceed ₹6,500/- per month.
- Note: There is no income cap for construction and transport workers.
- Industry Coverage:
The scheme covers all unorganised workers, including those in construction, transport, and self-employed sectors as defined under Part A and Part B of the West Bengal Unorganized Sector Workers Welfare Act, 2007.
Application Process
Online Application Steps:
- Registration:
- Visit the official website: https://bmssy.wblabour.gov.in/.
- Click on “New Registration by Beneficiary”.
- Beneficiary Registration:
- Complete the registration form by providing personal and contact details.
- Login and Application:
- Once you receive your Username and Password, log in.
- Provide details in the following sections:
- Basic Information
- Address Details
- Bank Details
- Nominee Details
- Dependent Details
- Document Upload
- Final Steps:
- Review the final preview of your application.
- Download and upload Form-1 (from page 12 of the manual documents) as required.
- Submit the application.
Documents Required
- Photograph: (Mandatory)
- Signature: (Mandatory)
- Identity Proof:
Aadhaar Card or Voter ID Card or EPIC document. - Bank Passbook: (Mandatory)
Frequently Asked Questions (FAQs)
- What is the BM-SSY scheme?
A social security scheme for unorganised workers in West Bengal providing benefits such as provident fund contributions, health and family welfare support, death/disability benefits, and educational assistance. - What are the benefits provided?
Benefits include monthly provident fund contributions, financial assistance for medical and surgical expenses, lump sum payments for death and disability, and educational grants. - What benefits are provided under the Provident Fund?
A monthly contribution of ₹55/-, with the total amount (plus interest) refunded at retirement or death. - When will the beneficiary receive the PF amount?
Upon retirement or in the event of the beneficiary’s death. - What benefits are provided under Health and Family Welfare?
Annual assistance of up to ₹20,000/- for medical expenses and ₹60,000/- for surgical expenses, including compensation for loss of employment. - What benefits are provided under Death and Disability?
Lump sum payments ranging from ₹50,000/- to ₹2,00,000/-, depending on the circumstances. - What benefits are provided under Education?
Assistance varying by educational level, from ₹4,000/- per annum in Class XI to ₹30,000/- per annum for Medical/Engineering studies, plus additional support for completing UG or equivalent studies. - What is the application process?
The application is completed online through the official BM-SSY website. - What is the official website for registration?
https://bmssy.wblabour.gov.in/ - What documents are required?
Mandatory documents include a passport-size photograph, signature, identity proof (Aadhaar/Voter ID/EPIC), and bank passbook.