Bina Mulya Samajik Suraksha Yojana(BMSSY) – An All Inclusive Guide

Bina Mulya Samajik Suraksha Yojana is a scheme launched by the West Bengal Government with numerous integrated benefits for unorganised workers. The Labour Department aims to facilitate the workers with their workplace fundamental rights. This scheme was launched in 2022 to ensure similar benefits are offered. The BMSSY covers self-employment and unorganised industries notified by the Department of Labour of the government of West Bengal, as well as transportation and construction workers. In this blog, we will walk you through the eligibility criteria, required documents, benefits, and online/offline procedures for applying for BMSSY.

Overview of Bina Mulya Samajik Suraksha Yojana

Check out the below-mentioned tabulated data to get a better understanding of the overview of Bina Mulya Samajik Suraksha Yojana:

Bina Mulya Samajik Suraksha Yojana Objective

The Bina Mulya Samajik Suraksha Yojana serves the objective of providing multiple benefits to unorganised workers working in sectors like education, healthcare and so on. Moreover, it allows the beneficiaries to avail the government-provided scheme benefits resulting in the decline of occupational-based disparities. After the implementation of Bina Mulya Samajik Suraksha Yojana, there will be an improvement in the social status of the beneficiaries.

Eligibility Criteria of Bina Mulya Samajik Suraksha Yojana 

Check out the below-mentioned information to get a better understanding of the BMSSY eligibility criteria:

• The BMSSY applicant must have a veiled proof of permanent residence in West Bengal
• The age bar for an applicant is between 18 and 60 years.
• In order to be eligible for BMSSY the monthly income of the applicant’s family shouldn’t exceed INR 6,500.

Required Documents of the Bina Mulya Samajik Suraksha Yojana 

Check out the below-mentioned set of documents which are required during the enrolment process of Bina Mulya Samajik Suraksha Yojana: 

• A valid Aadhaar card
• A valid Ration card
• Passport-sized photograph
• Genuine Residence certificate 
• Certificate of income
• Caste certificate 
• A valid mobile number
• A valid email ID

Key Highlights of Bina Mulya Samajik Suraksha Yojana

Check out the below-mentioned information to get a better understanding of the key highlights of the BMSS scheme:

• Unorganised workers get provident funds to gain financial stability and security.
• Compensation will be released in case of the unfortunate demise of the worker during work.
• Children of the beneficiaries will receive financial assistance for education along with training in skill development and safety.
• Healthcare facilities will be provided to the registered beneficiaries under this scheme.

Bina Mulya Samajik Suraksha Yojana Online Application

Follow the below-mentioned steps to carry out the online application procedure for Bina Mulya Samajik Suraksha Yojana:

Step 1: Visit the official portal of West Bengal, the labour department.

Step 2: Search for the “Quick Application” and click the same.

Step 3: After doing such you will be redirected to another page Yes/No of your choice.

Step 4: Now, you will be redirected to the disclaimer page with the required details of the employee type to be filled in.

Step 5: Afterwards, you will be required to fill out the mandatory details of the beneficiary.

Step 6: Now, upload the above-listed required documents and click on the “Continue” button once you’re done uploading.

Step 7: After clicking on the continue button you will be redirected to another page where you are required to fill out the Nominee/Dependent details.

Step 8: Once you have entered the details correctly, click on the “Continue” button.

Step 9: Now, you will be redirected to the Additional Affirmation page where you have to enter the details of employee type, PF/ESI, bank details and income details.

Step 10: Review the details to make sure it’s error-free and click on the “Submit” button.

Step 11: After following these steps, you will receive a notification of acknowledgement on the screen after the submission of the application.

Offline Procedure of Bina Mulya Samajik Suraksha Yojana 

In case, the applicant is not familiar with the internet and digitisation then the individual can also apply for the scheme via the offline mode. Check out the below-mentioned steps to get a better understanding of the offline application procedure of Bina Mulya Samajik Suraksha Yojana:

Step 1: Approach the Labour Commissionerate, Municipal Corporation or any other authorised executive officer by the Labour Commissioner.

Step 2: Now, ask for the Samajik Suraksha Yojana form 2021.

Step 3: An Individual can also download the Samajik Suraksha Yojana online application form in PDF format.

Step 4: Now, the applicant needs to fill out all of the required details and attach the required documents along with the application form.

Step 5: Submit the application form to the concerned department officer.

Step 6: Ask the executing officer to provide the receipt of the form for acknowledgement and future reference.

Bina Mulya Samajik Suraksha Yojana Benefits

The Bina Mulya Samajik Suraksha Yojana provides several benefits such as a Provident fund, educational benefits and so on. Refer to the below-mentioned information to get a better understanding of the Samajik Suraksha Yojana benefits:

Provident Fund

• The state government would match the contribution made by eligible employees of INR 25/month with the government’s contribution of INR 30.
• On the deposited amount of the provident fund, the government will bear the annual payable interest.
• Once the recipients reach the age of 60 or cease being a subscriber under the programme or if the account becomes inoperable due to the unfortunate demise of the appliance then the net cumulative amount along with the interest will be reimbursed to the nominees of the recipients.

Note: If the subscribers fail to make any contributions to the PF account for three consecutive financial years, then the account gets terminated. However, on the request of the Assistant Labour Commissioner, such an account may get restarted and he/she can also request outlining the non-payment reason.

Health and Family Welfare

• A sum of INR 20,000 will be received by the beneficiary or the family member who requires funds due to any treatment on hospitalisation under the West Bengal Health Scheme on an annual basis.
• A few additional healthcare benefits are as follows:

1. Clinical testing cost
2. Medicine cost
3. Hospitalisation cost

• The beneficiary and family members are eligible to claim multiple times in a year. However, the net amount to be sanctioned is limited to INR 20,000.
• The beneficiary and family members are entitled to get financial assistance of up to INR 60,000 annually for nearly any type of operation. The assistance of expenses are as follows:

1. Total job payment in case of job loss at the rate of INR 1,000 for the very first five days
2. INR 100 will be provided as additional assistance for the remaining days.

Note: The maximum limit for the sanctioned amount is INR 10,000.

Disability and Death 

• In case of the unfortunate demise of the beneficiary, the nominee will receive the total sum of INR 2,00,000.
• A sum of INR 50,000 will be sanctioned if the beneficiary dies due to natural calamity.
• In case of a disability of 40% or greater, the beneficiary would receive a sum of INR 50,000. 
• If the beneficiary encountered an irreversible loss of both hands, feet, and eyes, the amount of INR 2,00,000 will be sanctioned.
• In case of irreversible damage to the sight of one eye or one hand and feet, an amount of INR 1,00,000 will be sanctioned.

Educational Benefits 

Refer to the below-mentioned information for Samajik Suraksha Yojana Scholarship: 

• Children of beneficiaries falling under the below-mentioned categories will get educational assistance:

1. 11th grade: INR 4,000/annum
2. 12th grade: INR 5,000/annum
3. ITI trainees: INR 6,000/annum
4. Undergraduates: INR 6-000/annum
5. Postgraduates: INR 10,000/annum
6. Polytechnic: INR 10,000/annum
7. Mechanical/engineering work: INR 30,000/annum

• INR 25,000 of financial assistance will be provided to the daughter of the beneficiary if the unmarried daughter completes undergraduate studies or similar skill development programmes. However, only two daughters of the beneficiary can avail of this assistance.
• Students of recognised educational institutions of state or central government fall under the eligibility criteria for the aforementioned benefit.

Note: Insured students under this program become ineligible for other government-provided scholarships programmes.

Skill development and Safety Training

• Safety and skill development training will be provided to the workers by the Paschim Banga society.
• The grant fund will be available suitably by the Labour Department’s authorised authority.

To Sum Up

The Bina Mulya Samajik Suraksha Yojana has been launched by the West Bengal Government. BMSSY provides several benefits such as Provident Fund, disability, educational, and healthcare assistance to eligible unorganised workers. There are both online and offline procedures available for enrollment. 

However, the applicant must meet the eligibility criteria. The eligibility criteria is that the applicant must be a permanent resident of West Bengal with his/her  age between 18 and 60 years, with a monthly family income of INR 6,500 or less. Moreover, the Bina Mulya Samajik Suraksha Yojana covers self-employment and unorganised industries as well.

Frequently Asked Questions (FAQs)