An insured worker dies in an industrial accident leaving behind his wife and two minor children. Under the ESI Act 1948, the dependent's benefit payable to the family is:
- A 70% of the full rate, shared between the dependents
- B 80% of the full rate, shared between the dependents
- C 90% of the full rate, shared between the dependents ✓
- D 100% of the full rate paid entirely to the widow
Correct answer: C. 90% of the full rate, shared between the dependents
Explanation
Dependent's benefit is payable at 90% of the full rate to the dependents of an insured person who dies due to employment injury. It is shared according to fixed proportions: the widow receives three-fifths and each child two-fifths of the full rate, with the widower receiving the widow's share if there is no widow. Because it is divided among dependents rather than given wholly to the widow, option D is wrong. The 80% figure belongs to extended sickness benefit.
Reference: Park's Textbook of Preventive and Social Medicine, 27th ed.
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