Definition and purpose

• Dependent benefits under the Employees’ State Insurance (ESIC) scheme refer to monthly financial support provided to the dependents of a deceased insured person.
  
• These benefits are granted when the death occurs due to an employment-related injury or occupational disease.
  
• The objective is to provide social security to the family members who were financially dependent on the insured person.
  
• This is a long-term pension-like benefit administered by the ESIC.
  
• It ensures that the legal dependents receive sustained income in case of such loss.
  

Eligible dependents

• Widow of the deceased insured person until remarriage.
  
• Minor legitimate or adopted children up to the age of 25 years.
  
• Unmarried daughters till marriage or 25 years, whichever is earlier.
  
• Dependent parents, especially the mother, in the absence of spouse and children.
  
• Other family members as notified, based on dependency and eligibility under the scheme.
  

Rate and mode of payment

• The total benefit is generally 90% of the average daily wages of the deceased.
  
• This amount is shared among all eligible dependents as per fixed ratios.
  
• The benefit is disbursed monthly into the bank accounts of each eligible recipient.
  
• Payments continue as long as the dependent meets the eligibility conditions.
  
• In case of remarriage, marriage, or death of the dependent, the benefit is stopped.
  

Documents required for claiming

• Death certificate of the insured person.
  
• Post-mortem report or ESIC accident report, if applicable.
  
• Proof of employment injury or occupational disease certified by ESIC.
  
• Legal heir certificate or dependency proof.
  
• Bank details, Aadhaar, and photographs of the dependents.
  

Procedure for claiming dependent benefits

• The claim must be submitted using the designated ESIC form through the local office.
  
• Dependents can submit the claim directly or through the last employer.
  
• ESIC verifies the employment injury, contribution records, and family details.
  
• Upon approval, the benefit is sanctioned and payment is started.
  
• Regular verification may be conducted to ensure continued eligibility.