The “Contributory Social Security Scheme (CSSS)” is a financial support initiative by the Social Welfare Department, Government of Jammu and Kashmir. It aims to provide social security to marginal workers through a contributory approach. The scheme is designed for a duration of either five or ten years, during which contributions from both the beneficiary and the state are deposited into a dedicated bank account. This account remains pledged to the District Social Welfare Officer (DSWO) throughout the scheme’s term. Once the scheme concludes, beneficiaries can withdraw the full amount or reinvest it into a pension plan. This program is exclusively for permanent residents of Jammu and Kashmir and is entirely funded by the Union Territory’s government.
Benefits
- Quarterly contributions: ₹300 from the state and ₹200 from the beneficiary.
- Deposits are made into a bank account pledged to the DSWO.
- On scheme completion, the beneficiary can withdraw the total amount or reinvest it into a pension scheme.
- The scheme also includes insurance coverage for the beneficiary.
Eligibility
- Nationality: Must be a citizen of India.
- Age: 18 years and older.
- Occupation: Marginal workers (e.g., agricultural laborers, craftsmen, barbers, weavers, masons).
- Income: Annual income not exceeding ₹48,000.
- Residency: Must be a permanent resident of Jammu & Kashmir.
- Exclusivity: Neither the applicant nor their spouse should be receiving benefits from any other scheme.
Exclusions:
- Applicants or their spouses already benefiting from other schemes are not eligible.
Application Process
Offline Steps:
- Visit: Head to the Tehsil Social Welfare Office, District Social Welfare Office, or the designated Nodal Bank to collect the CSSS application form.
- Fill Out Form: Complete all required fields, attach self-attested documents, and include a recent passport-sized photograph.
- Submit Application: Deliver the form to the District Social Welfare Officer.
- Acknowledgment: Obtain a receipt confirming successful submission.
Post-Submission Process:
- Verification and Approval: The Tehsil Social Welfare Officer consolidates applications and forwards them to the DSWO for approval.
- Account Setup: Once sanctioned, the DSWO instructs the nodal branch of J&K Bank to create a recurring social security deposit account in the beneficiary’s name.
- Contribution Management: Both state and beneficiary contributions are deposited into this account.
Check Status:
Contact the District Social Welfare Officer (DSWO) or Deputy Commissioner for updates on application status.
Documents Required
- Proof of Jammu & Kashmir residency.
- Identity proof.
- Proof of age (school board certificate, medical officer certificate, etc.).
- Income and profession certificate from authorized local officials.
- Three passport-sized photographs.
- Aadhaar card.
- Bank account details.
- Any additional documents requested by the District Social Welfare Office.
Frequently Asked Questions
-
What is the scheme’s duration?
Five or ten years, based on the beneficiary’s choice. -
What is the contribution amount?
₹300 by the state and ₹200 by the beneficiary every quarter. -
Can a 14-year-old apply?
No, applicants must be at least 18 years old. -
Can I apply if I’m already receiving benefits from another scheme?
No, applicants and their spouses cannot be beneficiaries of other schemes. -
Is online application available?
No, applications must be submitted offline.
Sources and References
- Guidelines Document 1
- Guidelines Document 2