Social safety net in india n india status in world with new intitative of government

1. SOCIAL SAFETY NET
Presented by
Dr.Sachin Parmar
P.G. RESIDENT
COMMUNITY MEDICINE DEPT.
MGM MC INDORE

2. DEFINITION
 Social safety nets, or "socioeconomic safety
nets", are non-contributory transfer programs
seeking to prevent the poor or those vulnerable
to shocks and poverty from falling below a
certain poverty level.
 Safety net programs can be provided by the
public sector (the state and aid donors) or by
the private sector (NGOs, private
firms, charities, and informal household
transfers)

3. INTRODUCTION
 According to the World Labor Report 2000
:-Despite the broad coverage of the term
social security in India, the policy is not
coherent, and “spending” on these measures
is extremely low and extremely scattered, if
not paltry, as will be outlined below., public
expenditure on social security in India is
1.8% of GDP, against 4.7% in Sri Lanka, or
3.6% in China

4. INTRODUCTION(CONTD.)
 WASHINGTON, May 13, 2014
 On average, developing countries spend 1.6 percent
of their GDP on social safety nets. This is low
compared to other public policy measures such as
fuel subsidies, which do not target the poorest. More
can be done to reach the world’s poorest
people,” said Arup Banerji, the World Bank’s
Director for Social Protection and Labor. “There is
a strong and growing body of evidence that social
safety nets are one of the most cost-effective ways
for countries to end extreme poverty and promote
shared prosperity.”

5. INTRODUCTION(CONTD.)
 Three countries –India, China and Brazil—
have the largest social safety nets programs
in the world, and account for almost half of
global coverage. Lower-income countries are
learning from their experience,” said Banerji

6. SOCIAL PROTECTION PROGRAMMES IN INDIA
CAN BE BROADLY CATEGORIZED AS
Improving living
standards of the poor
Targeted social
security programmes
for the very poor,
social security
measures for
unorganized/informal
sector workers and
Social security
measures for
organized/formal sector
workers
• e.g.Sarva Shiksha Abhiyan Indira Awas
Yojana (IAY) Integrated Child
Development Services (ICDS)
• National Health Mission (NHM)
,Annapurna Schem
• , MGNREGA), Indira Gandhi National Old
Age Pension Scheme,Indira Gandhi
National Widow Pension Scheme , Indira
Gandhi National Disability Pension
Scheme (IGNDPS): Rastriya Swasthya
Bima Yojana (RSBY),
• Handloom Weavers’ Comprehensive
Welfare Scheme, National Scheme for
Welfare of Fishermen and Training &
Extension , Aam Admi Bima Yojana
(AABY),Rajiv Gandhi Shilpi Swasthya
Bima Yojana and , Bima Yojana for
Handicrafts Artisans
• The Employees’ Compensation Act,
1923,The Maternity Benefit Act, 1961,
The Employees’ State Insurance Act,
1948 , Rajiv Gandhi Shramik Kalyan
Yojana

7. IMPROVING LIVING STANDARDS OF THE POOR -
 Sarva Shiksha Abhiyan (SSA: Education for
All): The Right to Education (RTE) Act, enacted
in 2009 and enforced from 1.4.2010, gave a
statutory base for providing education. SSA,
launched in 2001-02, addresses the educational
needs of children in the age-group of 6-14 years
by strengthening educational infrastructure in
terms of opening of new schools, construction,
renovation and expansion of school buildings
and providing other amenities like text books
etc. It covers about 194 million children in over
1.22 million habitations.

8. HOUSING-: INDIRA AWAS YOJANA (IAY),
 Indira Awas Yojana (IAY), Target Groups
Indira Awaas Yojana is essentially a public
housing scheme for the poor , below poverty
line (BPL) houseless families identified by
the community through Gram Sabhas.

9. INDIRA AWAS YOJANA (CONTD.)
 following criteria suggested for such
identification from time to time. financial
assistance to the tune of Assistance for
construction of a new house; this would be
Rs.70,000/- in plain areas, Rs.75,000/- in
hilly states is provided

10. DRINKING WATER AND SANITATION
 The National Rural Drinking Water Programme
(NRDWP) ensures supply of adequate water for
drinking, cooking and other domestic needs on
a sustainable basis in rural areas. Access to
sanitation in rural areas is provided through
Total Sanitation Campaign (TSC) which follows
a community-led and people-centric approach
with components like information, education and
communication for demand generation for
sanitation facilities, individual household
latrines, community sanitary complexes, school
sanitation and hygiene education (SSHE) etc.

11. CHILD NUTRITION
THE INTEGRATED CHILD DEVELOPMENT SERVICES (ICDS)
 The Integrated Child Development Services
(ICDS) is a nutrition and child development
scheme launched in 1975 with the objective of
improving the nutritional and health status of
children in the age group of 0-6 years to reduce
the incidence of mortality, morbidity and
malnutrition and enhance the capability of
mother to look after the health and nutritional
needs of the children. The programme covers
about 89.3 million children and
pregnant/lactating mothers.

12. THE MID DAY MEAL (MDM) SCHEME
 The Mid Day Meal (MDM) Scheme covers
elementary education (upto 8th class) and
aims at providing Free.” hot, cooked mid-day
meal with the stipulated, nutritive and
calorific value.”
 About 120 million children are being
covered.

13. TARGETED PUBLIC DISTRIBUTION SYSTEM
 A Targeted Public Distribution System
(TPDS) is in place to provide subsidized
foodgrains to the disadvantaged populace. It
will also facilitate operationalisation of the
proposed National Food Security Act which
will then provide statutory food security to the
vulnerable.
 Annapurna Scheme: Annapurna" scheme, it
is intended to provide 10 kgs. of foodgrains
per month free of cost to all such person who
are though eligible for old age pension under
NOAPS, are presently not receiving it.

14. NATIONAL FLOOR LEVEL MINIMUM WAGE
 Apart from both the Central and State
Governments fixing minimum rates of
wages under the Minimum Wages Act,
1948 for various employments under their
respective jurisdiction, the Central
Government fixes the National Floor Level
Minimum Wage (NFLMW) revising it from
time to time. It presently stands at Rs.115/-
per day w.e.f. 1.4.2011.

15. SELF -EMPLOYMENT AND WAGE
EMPLOYMENT SCHEMES
 Swarnajayanti Gram Swarojgar Yojana (SGSY):
Under SGSY financial assistance is provided to
members of Below Poverty Line (BPL) families
for creating income generating assets through a
mix of bank credit and subsidy.
 Swarna Jayanti Shahari Rozgar Yojana
(SJSPY) is an employment-oriented urban
poverty alleviation scheme.
 Prime Minister’s Employment Generation
Programme (PMEGP) aims at generating self-
employment by providing credit linked subsidy
for setting up of micro enterprises.

16. TARGETED SOCIAL SECURITY PROGRAMMES
FOR THE VERY POOR
 Employment Security
 The Mahatma Gandhi National Rural
Employment Guarantee Act
(MGNREGA) aims at enhancing the
livelihood security of people in rural areas
by guaranteeing 100 days of wage
employment in a financial year to a rural
household..

17. NATIONAL SOCIAL ASSISTANCE PROGRAMME
- PENSIONS
 Indira Gandhi National Old Age Pension
Scheme (IGNOAPS) : Under IGNOAPS all
citizens living below poverty line (BPL) and above
the age of 65 years are provided pension of Rs.
200/- per month from the Central Government. In
addition, State Governments provide old age
pension ranging from Rs. 200/- to Rs. 1000/- per
month.
 Indira Gandhi National Widow Pension Scheme
(IGNWPS): Under IGNWPS pension is given to
the widows aged between 45 and 64 years of age
of BPL households. The pension amount is Rs.
200/- per month per beneficiary paid by the
Central Government. The State Government
concerned is also expected to provide an equal
amount to the person.

18. NATIONAL SOCIAL ASSISTANCE PROGRAMME –
PENSIONS(CONTD.)
 Indira Gandhi National Disability Pension
Scheme (IGNDPS): Under IGNDPS a BPL
person aged between 18-64 years of age
and suffering from severe or multiple
disability is given pension amounting to Rs.
200/- per month by the Central government
and the State Government concerned is also
expected to contribute an equal amount.

19. HEALTH
 According to international statistics, over 300 million
people in India live in extreme poverty on less than US$1
a day, and over 500 million on less than US$2 a day. Only
half of the population has access to piped water, and
most health services (in fact about 92%) are paid for out
of pocket, making India’s health system the biggest
private health service in the world.
 National Rural Health Mission (NRHM): In order to
provide health security, especially to women, children and
the poor residing in rural areas, NRHM was launched in
2005. It adopts a synergistic approach covering vital
determinants of health like nutrition, sanitation, hygiene
and safe drinking water. Its major goal is to reduce infant
and maternal mortality rate, prevention of communicable
and non-communicable diseases etc.

20. JANANI SURAKSHA YOJANA (JSY):
 JSY, launched on 12.4.2005 , is a safe
motherhood intervention under the NRHM. It
is being implemented with the objective of
reducing maternal and neo- natal mortality by
promoting institutional delivery among poor
pregnant women.
Category
of States
RURAL AREA URBAN AREA
Package to Mother Package for
ASHA*
total Package to
Mother
Package for
ASHA**
total
LPS 1400 600 2000 1000 400 1400
HPS 700 600 1300 600 400 1000

21. JANANI SURAKSHA YOJANA (CONTD.)
 *ASHA package of Rs. 600 in rural areas include Rs. 300 for ANC
component and Rs. 300 for facilitating institutional delivery.
 **ASHA package of Rs. 400 in urban areas include Rs. 200 for
ANC component and Rs. 200 for facilitating institutional delivery.
 In LPS, all women delivering in govt. and accredited private
institutions are eligible.
 In HPS, only BPL and SC/ST women delivering in govt. and
accredited private institutions are eligible.
 Earlier restrictions on age and parity in HPS are removed.
 Cash assistance for home delivery (Rs. 500) is available for only
BPL pregnant women.
 Earlier age (>19 years) and parity (upto 2 live births) restrictions
are removed.

22. JSSK(JANANI SHISHU SURAKSHA KARYAKRAM)
 For Mothers:-
 JSSK would include: free and cashless Delivery,
 free C-Section, free treatment of sick-new-born up to 30
days,
 exemption from user charges, free drugs and
consumables, free diagnostics,
 free diet during stay in the health institutions – 3 days in
case of normal delivery and 7 days in case of caesarean
section,
 free provision of blood,
 free transport from home to health institutions,
 free transport between facilities in case of referral as also
drop back from institutions to home after 48hrs stay.

23. FOR INFANTS
 The following are the Free Entitlements for Sick
newborns till 30 days after birth.This has now
been expanded to cover sick infants:
 similarly include free treatment,
 free drugs and consumables,
 free diagnostics,
 free provision of blood,
 exemption from user charges,
 free transport from home to health institutions,
 free transport between facilities in case of referral and
free drop back from institutions to

24. SOCIAL SECURITY MEASURES FOR
UNORGANIZED/INFORMAL SECTOR WORKERS
 In order to ensure welfare of workers in the
unorganized sector which include weavers,
handloom workers, fishermen and fisherwomen,
toddy (local brew) tappers, leather workers,
plantation labour, beedi (local cigar) workers
etc.
 the Unorganized Workers’ Social Security Act,
2008 has been enacted which entails
formulation of schemes to provide for life and
disability cover, health & maternity benefits, old
age protection and any other benefit as may be
determined

25. HEALTH INSURANCE {RASTRIYA SWASTHYA
BIMA YOJANA (RSBY) }
 Rastriya Swasthya Bima Yojana (RSBY) is
a health insurance scheme providing for
smart card based cashless cover of
Rs.30,000/- to a BPL family of 5 covering all
pre-existing diseases, hospitalization
expenses and transport cost.

26. DEATH AND DISABILITY INSURANCE
 Aam Admi Bima Yojana (AABY): AABY
provides for death and disability insurance cover
to rural landless households amounting to Rs.
30,000/- in case of natural death , Rs. 75,000/-
in case of accidental death and total permanent
disability and Rs. 37,500/- in case of partial
permanent disability. Under the scheme two
children of the beneficiaries studying in 9th to
12th standards are given scholarships at the rate
of Rs. 300/- per quarter per child.

27. DEATH AND DISABILITY INSURANCE(CONTD)
 Handicraft Artisans’ Comprehensive Welfare
Scheme: It has two components, namely, (i)
Rajiv Gandhi Shilpi Swasthya Bima Yojana
and (ii) Bima Yojana for Handicrafts Artisans.
The scheme covers the artisan’s family of four
comprising self and any three members of
family and provides for annual health package
amounting to Rs. 15,000/- including Rs. 7,500/-
for OPD. An insurance cover of Rs. 0.1 million is
also available for the personal accident, death,
and disability of the insure artisan’s

28. DEATH AND DISABILITY INSURANCE(CONTD)
 National Scheme for Welfare of Fishermen
and Training & Extension: the scheme
provides for group accident insurance for
active fishermen, development of model
fisherman villages, saving cum relief and
training cum extension facilities etc.

29. SOCIAL PROTECTION MEASURES FOR
ORGANIZED/FORMAL SECTOR WORKERS
 The organized sector workers are being
provided social protection through
operation of various Acts like:
 The Employees’ Compensation Act, 1923
 The Employees’ State Insurance Act,
1948
 The Plantation Labour Act, 1951
 The Maternity Benefit Act, 1961

30. THE EMPLOYEES’ COMPENSATION ACT, 1923
 The Act imposes an obligation upon the
employers to pay compensation to workers
for accidents arising out of and in the course
of employment. The Act has been amended
by changing its title from the Workmen’s
Compensation Act to the present one to
make it gender- neutral and enhance the
rates of compensation.

31. THE EMPLOYEES’ STATE INSURANCE ACT, 1948
 It provides for health care and cash benefit
payments in the case of sickness,
maternity and employment injury. The Act
has been amended to improve the quality
of service under the scheme and also
enable ESI infrastructures to be used to
provide health care to workers in the
unorganized sector.

32. THE PLANTATION LABOUR ACT, 1951
 : It deals with welfare facilities to be provided
to plantation workers and has been amended
recently to provide safety and occupational
health care.

33. THE MATERNITY BENEFIT ACT, 1961
 The Act promotes women’s welfare by
providing for paid maternity leave etc. The
Act was amended to enhance the rate of
medical bonus from Rs. 250/- to Rs. 1,000/- ,
while empowering the government to
enhance it further within every three years
subject to a maximum of Rs. 20,000/-.

34. NEW INITITATIVES
Pradhanmantri Jan Dhan Yojana
Pradhan Mantri Suraksha Bima
Yojana
Atal Pension Yojana
Pradhan Mantri Jeevan Jyoti
Bima Yojana

35. PRADHANMANTRI JAN DHAN
YOJANA
-PMJDY

36. INTRODUCTION
 On 15th August 2014, India’s prime minister Narendra Modi announced the
financial inclusion mission titled “Pradhanmantri Jan-Dhan Yojana”.
“Economic resources of the country should be utilized for the well-
being of the poor.The change will commence from this point”.
 India’s Prime minister announced the launch of this scheme at the Red Fort on
the occasion of India’s Independence Day.
 Launched on 28 August in 77000 of arias.

37. ABOUT PMJDY
 The name “Jan Dhan” was chosen through an Online
Competition on the MyGov Platform, received more
than 6000 suggestions from Indian citizens.
 7 individuals was suggested “Jan Dhan”.
 Slogan – Mera Khata-Bhagya Vidhaatha.
 Primarily the PMJDY Scheme is meant for those
who do not have a savings bank account.
 Only 58% of Indian citizens are having a bank
account.

38. AIM OF PMJDY
 To bring poor
financially excluded
people into banking
system.
 It covers both urban &
rural areas.
 Raise of Indian
Economy.
 To decrees corruption
in Govt subsidy
schemes.

39. BENEFITS OF OPENING BANK A/C UNDER
PMJDY
 Account can opened with
zero balance.
 Not required to maintain any
minimum balance.
 ATM card can be issued.
 Accident insurance up to
100,000.
 Medical insurance cover of
30,000.
 5000 of overdraft available
only after 6 months if your
account is found.

41. RULES FOR THE PRADHAN MANTRI SURAKSHA
BIMA YOJANA
 DETAILS OF THE SCHEME: The scheme
will be a one year cover, renewable from
year to year,
 Offering accidental death and disability
cover for death or disability on account of an
accident.

42.  Benefits:
 a. Death Rs. 2 Lakh
 b. Total and irrecoverable loss of both
eyes or loss of use of both hands or feet or
loss of sight of one eye and loss of use of
hand or foot Rs. 2 Lakh
 c. Total and irrecoverable loss of sight of
one eye or loss of use of one hand or foot
Rs. 1 Lakh

43. PRADHAN MANTRI SURAKSHA BIMA
YOJANA(CONTD.)
 Premium: Rs.12/- per annum per member.
The premium will be deducted from the
account holder’s savings bank account
through ‘auto debit’ facility in one installment on
or before 1st June of each annual coverage
period under thescheme.
 However, in cases where auto debit takes place
after 1st June, the cover shall commence from
the first day of the month following the auto
debit.

44.  Eligibility Conditions:
 The savings bank account holders of the
participating banks aged between 18
years (completed) and 70 years (age
nearer birthday) who give their consent to
join / enable auto-debit, as per the above
modality, will be enrolled into thescheme.
In case of Joint Account holders, both the
Account holders are eligible to join on
payment of premium for each account
holders.

45. TERMINATION OF COVER:
1) On attaining age 70 years (age nearest birth day).
2) At the time of renewal, closure of account with the Bank or
insufficiency of balance to keep the insurance in force.
3) In case a member is covered through more than one account and
premium is received by the Insurance Company inadvertently, insurance
cover will be restricted to one only and the premium shall be liable to be
forfeited.
4) If the insurance cover is ceased due to any technical reasons such as
insufficient balance on due date or due to any administrative issues, the
same can be reinstated on receipt of full annual premium, subject to
conditions that may be laid down. During this period, the risk cover will
be suspended and reinstatement of risk cover will be at the sole
discretion of Insurance Company.
5) Participating banks will deduct the premium amount in the same month
when the auto debit option is given, preferably in May of every year, and
remit the amount due to the Insurance Company in that month itself.

46. ATAL PENSION YOJANA:- INTRODUCTION
 The GoI has therefore announced a new scheme
called Atal Pension Yojana (APY)1 in 2015-16
budget. The APY is focussed on all citizens in the
unorganized sector.
 Under the APY, there is guaranteed minimum monthly
pension for the subscribers ranging between Rs.
1000 and Rs. 5000 per month.
 The benefit of minimum pension would be
guaranteed by the GoI.
 GoI will also co-contribute 50% of the subscriber’s
contribution or Rs. 1000 per annum, whichever is
lower.

47. INTRODUCTION(CONTD)
 Government co-contribution is available for
those who are not covered by any Statutory
Social Security Schemes and is not income tax
payer.
 GoI will co-contribute to each eligible
subscriber, for a period of 5 years who joins the
scheme between the period 1st June, 2015 to
31st December, 2015. The benefit of five years
of government Co-contribution under APY would
not exceed 5 years for all subscribers including
migrated Swavalamban beneficiaries.
 All bank account holders may join APY.

48.  Eligibility
 APY is applicable to all citizen of India aged
between18-40 years.
 Aadhaar will be the primary KYC. Aadhar
and mobile number are recommended to be
obtained from subscribers for the ease of
operation of the scheme. If not available at
the time of registration, Aadhar details
may also be submitted later stage.

49. ON DISCONTINUATION OF PAYMENTS
 Discontinuation of payments of contribution
amount shall lead to following:
 After 6 months account will be frozen.
 After 12 months account will be deactivated.
 After 24 months account will be closed.
 Subscriber should ensure that the Bank
account to be funded enough for auto debit
of contribution amount.

50.  Exit :
 On attaining the age of 60 years:
 The exit from APY is permitted at the age with 100%
annuitisation of pension wealth. On exit, pension
would be available to the subscriber.
 In case of death of the Subscriber due to any
cause:In case of death of subscriber pension would
be available to the spouse and on the death of both of
them (subscriber and spouse), the pension corpus
would be returned to his nominee.
 Exit Before the age of 60 Years:
 Exit before 60 years of age is not permitted however it
is permitted only in exceptional circumstances, i.e., in
the event of the death of beneficiary or terminal
disease.

51. PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA
 DETAILS OF THE SCHEME: The scheme will
be a one year cover, renewable from year to
year, Insurance Scheme offering life insurance
cover for death due to any reason. The scheme
would be offered / administered through LIC and
other Life Insurance companies willing to offer
the product on similar terms with necessary
approvals and tie ups with Banks for this
purpose. Participating banks will be free to
engage any such life insurance company for
implementing the scheme for their subscribers.

52. DETAILS OF THE SCHEME(CONTD.)
 Scope of coverage: All savings bank account
holders in the age 18 to 50 years in
participating banks will be entitled to join.
 Benefits: Rs.2 lacs is payable on member’s
death due to any reason.
 Premium: Rs.330/- per annum per member.

53. DETAILS OF THE SCHEME(CONTD.)
 Eligibility Conditions: The savings bank
account holders of the participating banks
aged between 18 years (completed) and 50
years (age nearer birthday) who give their
consent to join / enable auto-debit, as per the
above modality, will be enrolled into the
scheme.