An insured woman covered under the Employees' State Insurance Act 1948 delivers her second child after paying contributions in the prescribed contribution periods. What rate of maternity benefit is she entitled to, and for what maximum duration?

• A 100% of average daily wages for 12 weeks
• B 100% of average daily wages for 26 weeks ✓
• C 80% of average daily wages for 26 weeks
• D 70% of average daily wages for 12 weeks

Explanation

Under the ESI Act, maternity benefit equals the full daily wage, that is 100% of average daily wages, payable for 26 weeks, of which not more than 8 weeks may precede the expected date of delivery. This was enhanced from the earlier 12-week entitlement. Disablement and dependent benefits are paid at 90% of wages, and extended sickness benefit at 80%, which kills option C. Option A reflects the outdated 12-week period.

Reference: Park's Textbook of Preventive and Social Medicine, 27th ed.

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