A 34-year-old insured male worker dies instantly when a crane load falls on him inside the factory premises. He leaves behind his wife and two minor children. Under the ESI Act 1948, the benefit payable to his family is:
- A Dependents' benefit at 90% of wages shared among dependents ✓
- B Dependents' benefit at 70% of wages shared among dependents
- C Permanent total disablement benefit at 90% of wages
- D Funeral benefit only, as death was instantaneous
Correct answer: A. Dependents' benefit at 90% of wages shared among dependents
Explanation
Death resulting from an employment injury triggers dependents' benefit, paid at about 90 percent of the average daily wages and shared among eligible dependents such as the widow, children and dependent parents, with defined shares for each class. Funeral benefit is a separate small lump sum and does not replace dependents' benefit. Permanent disablement benefit applies to surviving injured workers, not to survivors.
Reference: Park's Textbook of Preventive and Social Medicine, 27th ed.
High-yield for: NEET PGINI-CETNExTFMGEUSMLEPLABMRCP
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