What is it ?
social security is defined
as “security that society
furnishes through
appropriate
organization,against
certain risks to which its
members are exposed”

Risks covered
 Sickness
 Invalidity
 Maternity
 Old age
 Death

HISTORY
 1889 – GERMANY First nation to adopt old
age social Insurance programme
 1935 – Social security act of USA
 INDIA
Arthasasthra, Upanishads,
Manusmriti,Rigveda.
Joint family, neighbours etc….
HISTORY
1889 – GERMANY First nation to
adopt old age social Insurance
programme
1935 – Social security act of USA
INDIA
Arthasasthra, Upanishads,
Manusmriti,Rigveda.
Joint family, neighboursetc….

TWO PLANKS OF
TWO PLANKS OF SOCIAL
SOCIAL
SECURITY
SECURITY
SOCIAL SECURITY
SOCIAL SECURITY
SOCIAL ASSISTANCE SOCIAL
SOCIAL ASSISTANCE SOCIAL
INSURANCE
INSURANCE

SOCIAL ASSISTACE
SOCIAL ASSISTACE
 Voluntary assistance provided by
Voluntary assistance provided by
society or government to the poor &
society or government to the poor &
needy.
needy.
 Paid out of public revenue
Paid out of public revenue
 Beneficiaries need not contribute to
Beneficiaries need not contribute to
the fund
the fund
 Benefits are not in proportion to the
Benefits are not in proportion to the
loss
loss

SOCIAL INSURANCE
SOCIAL INSURANCE
MEASURES
MEASURES
.Community pooling of of resources
.Community pooling of of resources
.Insurance fund-Tripartite contribution
.Insurance fund-Tripartite contribution
1.
1. Employee
Employee
2.
2. Employer
Employer
3.
3. State…..
State…..
. Benefits is a matter of right
. Benefits is a matter of right
. Benefits not in proportion to
. Benefits not in proportion to
contrubution by the workers
contrubution by the workers

SOCIAL SECURITY FOR INDUSTRIAL
WORKERS
 Workmen’s Compensation Act, 1923
 Central Maternity Benefit Act, 1961
 Employees State Insurance Act, 1948
 The Family Pension Scheme, 1971

SOCIAL SECURITY FOR CIVIL
SERVANTS
.Central And State Government Employees
PENSION
GRATUITY
PROVIDENT FUND
FAMILY PENSION SCHEMES
.Central Government Health Scheme

SOCIAL SECURITY FOR
GENERAL PUBLIC
LIFE INSURANCE SCHEMES
PUBLIC PROVIDENT FUND SCHEME

SOCIAL SECURITY SCHEMES IN
KERALA
No: SCHEME ELIGIBILITY
CRITERIA
AMOUNT
1 Widow
pension
scheme
Husband dead.
Income < 300/
month
Rs 110/ month
2 Physically or
mentally
disabled
40% disability
Income
<500/month
Rs 150/month
SOCIAL SECURITY SCHEMES IN
KERALA

3 National old age
pension scheme
Age > 65 yrs
Annual
income <
Rs11,000
Rs 200/
month
4 Leprosy & cancer
patients
Certificate
from
hospital
Income <
200/ month
Rs 200/
month

5 Unemployment
pension
Live unemployment
register for >3yrs
Rs
100/month
6 Financial
assistance to
widows for the
marriage of
their daughter
Family income <
Rs 11,000
Rs 5000/-

HEALTH INSURANCE SCHEME
HEALTH INSURANCE SCHEME
FOR BPL FAMILIES
FOR BPL FAMILIES
• Arogyasree
• Medical expenses coverage
• Personal accident coverage
• Maternity care
• All pre-existing disease including mental
disease coverage
• Subsistence allowance if earning member
is hospitalized

CONCLUSION
CONCLUSION
 WHAT IS IT?
WHAT IS IT?
 RISK COVERED
RISK COVERED
 HISTORY
HISTORY
 TWO PLANKS OF SOCIAL SECURITY
TWO PLANKS OF SOCIAL SECURITY
 SOCIAL ASSISTANCE
SOCIAL ASSISTANCE
 SOCIAL INSURANCE
SOCIAL INSURANCE
 SOCIAL SECURITY FOR INDUSTRIAL
SOCIAL SECURITY FOR INDUSTRIAL
WORKERS
WORKERS
 SOCIAL SECURITY FOR CIVIL SERVANTS
SOCIAL SECURITY FOR CIVIL SERVANTS
 SOCIAL SECURITY FOR GENERAL PUBLIC
SOCIAL SECURITY FOR GENERAL PUBLIC
 SOCIAL SERVICE SCHEMES IN KERALA
SOCIAL SERVICE SCHEMES IN KERALA
 HEALTH INSURANCE SCHEMES FOR BPL
HEALTH INSURANCE SCHEMES FOR BPL
FAMILIES
FAMILIES