Under the Employees' State Insurance (ESI) Act 1948, which of the following benefits is payable to an insured employee who is rendered permanently totally disabled due to an employment injury?
- A Sickness benefit at 70% of wages for up to 91 days
- B Disablement benefit — permanent total disablement pension at 90% of wages for life ✓
- C Extended sickness benefit for a maximum of 2 years
- D Enhanced sickness benefit at 100% of wages during hospitalisation
Correct answer: B. Disablement benefit — permanent total disablement pension at 90% of wages for life
Explanation
Under ESI Act 1948, disablement benefit is provided for employment injuries. Temporary disablement benefit = 90% of wages. Permanent total disablement (PTD) benefit is a lifelong pension at 90% of the employee's average daily wages. Sickness benefit (option A) is paid at 70% of wages for up to 91 days per benefit year for non-injury illness. Extended sickness benefit (option C) applies to 34 specified long-duration diseases for up to 2 years at 80% wages. Enhanced sickness benefit at 100% wages (option D) applies to vasectomy/tubectomy only.
Reference: Park's Textbook of Preventive and Social Medicine, 27th ed.
High-yield for: NEET PGINI-CETNExTFMGEUSMLEPLABMRCP
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