Bina Mulya Samajik Suraksha Yojana

Bina Mulya Samajik Suraksha Yojana (BM-SSY)

The Bina Mulya Samajik Suraksha Yojana (BM-SSY) is a vital initiative launched by the West Bengal government in 2017, aimed at providing comprehensive social security for unorganized workers across the state. This scheme significantly enhances the socio-economic conditions of millions of individuals and their families, ensuring they receive essential benefits and support.

Overview of the Scheme

BM-SSY stands as a landmark effort to extend social security benefits to unorganized workers in West Bengal. The scheme is inclusive of various categories of workers such as construction laborers, transport workers, and self-employed individuals. It covers all wage earners as defined in the West Bengal Unorganized Sector Workers Welfare Act, 2007, specifically those mentioned under Parts A and B of the Schedule.

Categories of Unorganized Workers Covered

The scheme encompasses a diverse range of industries and occupations. Below are the categories of unorganized industries and self-employed individuals eligible for this scheme:

Unorganized Industries (46 types)

• Automobile Repairing Garages (less than 20 workers)
• Bakery (less than 20 workers)
• Beedi Making
• Boatman Service
• Bone Mill
• Book Binding
• Brassware
• Cashew Processing
• Ceramic
• Cinema
• Clinical Nursing Homes / Private Hospitals
• Coir Industry
• Cottage Industries (various traditional crafts)
• Dal Mill
• Decoration
• Footwear (Leather, Rubber, Plastic)
• Garments Making
• Handloom
• Hosiery
• Hotel & Restaurant
• Iron Foundry
• Khadi
• Leather & Leather goods
• Medical Plants (excluding Cinchona)
• Plastic Industry
• Power Loom
• Printing Press
• Rice Mill (including Husking Mills)
• Rubber Products
• Saw Mill
• Security Agencies
• Sericulture
• Small Scale Engineering Units
• Small Scale Chemical Units
• Tailoring Industries (less than 20 workers)
• Type Copying Work

Self-Employed Individuals (15 types)

• Amins (Land Surveyors)
• Ayah / Attendant in Hospitals/Nursing Homes
• Barbers / Beauticians
• Carpenters
• Cobblers / Shoe Makers
• Cycle Rickshaw & Van Pullers
• Domestic Servants
• Fishermen
• Goldsmiths & Silversmiths
• Head-load Workers
• Idol Makers
• Railway Hawkers
• Street Hawkers (including Newspaper Hawkers)
• Waste Pickers
• NGO Workers & Self-Employed Labor Organisers (SLOs)

Key Benefits Offered

• Provident Fund: The State Government contributes ₹ 55/- monthly (₹ 25/- from the beneficiary and ₹ 30/- from State Grant). On retirement or death, the accumulated amount and interest are refunded.
• Health and Family Welfare:
  • Medical Expenses: Financial assistance up to ₹ 20,000/- for hospitalization and outpatient treatment under WBHS 2008.
  • Surgical Expenses: Up to ₹ 60,000/- for surgical procedures, including full coverage for necessary tests and medicines.
  • Accident Compensation: Compensation for loss of employment due to hospitalization for five or more days.
• Death and Disability Benefits:
  • ₹ 2,00,000/- for accidental death
  • ₹ 50,000/- for normal death
  • Disability benefits ranging from ₹ 1,00,000/- to ₹ 2,00,000/- based on severity.
• Education Assistance: Financial aid for educational pursuits, with amounts varying by educational level, e.g., ₹ 30,000/- for medical or engineering courses.

Eligibility Criteria

To qualify for the Bina Mulya Samajik Suraksha Yojana, applicants must meet the following criteria:

• Must be a resident of West Bengal.
• Aged between 18 to 60 years.
• Family income should not exceed ₹ 6,500/- per month, except for construction and transport workers where there is no limit.

Application Procedure

Interested individuals can apply online by following these steps:

• Visit the official website: https://bmssy.wblabour.gov.in.
• Click on “New Registration by Beneficiary”.
• Fill in the required personal and contact details on the “Beneficiary Registration” page.
• Complete the registration to receive a Username and Password.
• Login using the provided credentials and fill in the necessary details regarding:
  • Basic Information
  • Address Details
  • Bank Information
  • Nominee and Dependent Information
  • Document Uploads
• After successful document submission, review the application.
• Download and upload Form-1 from the manual documents.
• Finally, submit the application.

The Bina Mulya Samajik Suraksha Yojana not only provides financial assistance but also ensures the security and empowerment of unorganized workers in West Bengal, facilitating a better quality of life for them and their families.