Bina Mulya Samajik Suraksha Yojana (BMSSY) is the social security scheme of the West Bengal government for unorganized workers. It offers numerous benefits, such as disability benefits, health insurance, provident funds, and financial assistance. BMSSY enhances the living conditions and ensures that no one is left behind and thus benefits the vast spectrum of unorganized industries and independent contractors.
What is Bina Mulya Samajik Suraksha Yojana (BMSSY)?
Bina Mulya Samajik Suraksha Yojana, BMSSY offers financial and health assistance to workers in West Bengal’s unorganized sectors. This combines several government initiatives into one, targeting the betterment of such workers and decreasing inequality. BMSSY provident funds, health insurance, educational support, and death or disability benefits are provided for self-employed people and unorganized workers.
Unorganized Sectors Under the (BMSSY) Bina Mulya Samajik Suraksha Yojana
The 46 unorganized sectors in West Bengal that come under the BMSSY are listed as follows.
- Garage repairs of vehicles
- Beedi manufacture
- Workers of Hotels and Restaurants
- Hotel sector
- Weavers on handloom
- Tailoring industries
- Own Account Persons
BMSSY provides benefit schemes to 15 own account services, like:
- Barber and Beauticians
- Shoemakers/Cobbler
- House Helps
- Rickshaw puller through bicycle or through van
- Fishermen
Objectives and Characteristics of (BMSSY) Bina Mulya Samajik Suraksha Yojana
The basic objective of BMSSY is providing social security for the unorganized workers. Features of the system of government have been enumerated as below:
Provident Fund: Contribution: 25 rupees are collected from each worker every month; the state collects another 30 rupees.
Health: The West Bengal Health Scheme (WBHS) bears the cost of hospitalization, and the expenditure on treatment.
Benefits for Death and Disability: In case of death or disability, it enables beneficiaries to receive an amount up to ₹20 lakhs.
Education Benefit: Educational expenses for children of employees.
Advantages of (BMSSY) Bina Mulya Samajik Suraksha Yojana
Workmen in the unorganized sector enjoy the benefits of BMSSY in every way that is contingent upon them. Its most significant advantages are.
Payout in case of death: Employees and the state government’s monthly contribution to the provident fund is available at retirement or in case of death.
Health and Family Welfare: Up to ₹20,000 annually would be provided for medical expenses with a limit of ₹60,000 surgery.
Benefits for Death and Disability: ₹2,00,000 will be provided if death occurs due to an accident or total disability.
Education Assistance: Educational assistance is an education aid provided for the children of workers from class XI to post-graduation.
Criteria for (BMSSY) Bina Mulya Samajik Suraksha Yojana Eligibility
The following qualifications must be met in order to qualify for this scheme to be eligible to benefit from the Bina Mulya Samajik Suraksha Yojana.
- Residents of West Bengal can apply.
- Candidate’s age should be 18 to 60 years.
- Unless the applicant family is a worker in construction or transportation, its monthly income will not exceed Rs. 6,500.
- There is no cap on family income for applicants who are either construction or transport workers.
- Twelve months preceding the month of application will be used to calculate average household income.
Necessary Documents for (BMSSY) Bina Mulya Samajik Suraksha Yojana
The following documents are required to apply for the Bina Mulya Samajik Suraksha Yojana (BMSSY). Thus, before applying for the scheme, ensure that you have all the documents in hand.
- Aadhaar Card
- Card of Rationing
- Certificate of Residence
- Passport-sized photograph
- Email address and mobile number.
- Certificate of caste, if applicable
- Certificate of income
How to Apply for (BMSSY) Bina Mulya Samajik Suraksha Yojana
Registration for BMSSY can be done both online and offline. Both methods allow this central government scheme to be flexible and accommodating to the needs of the unorganized sector in the state.
Online Registration Procedure for BMSSY
Step 1: Start by visiting the BMSSY official website.
Step 2: Fill all the necessary information, such as contact, bank, and personal details.
Step 3: Submit all required documents online.
Offline Registration for BMSSY
Step 1: There are registration centers in the offices of local municipalities or blocks.
Step 2: Every month, there are also special registration camps.
The BMSSY Application Process
The application process for this state government program is really simple and not complicated at all. Unlike many other government programs, there is no need to worry about any complexity.
Step 1: Access the official website at https://bmssy.wblabour.gov.in/.
Step 2: Choose “New Registration by Beneficiary” and input personal details.
Step 3: Fill out the form and retrieve your login information.
Step 4: Login
Step 5: Complete the following details.
Key Information
- Address Information
- Bank Information
- Nominee and Dependent Information
Step 6: Complete the application and attach the necessary documents.
Conclusion
The BMSSY Card is also referred to as the Samajik Mukti Card, SMC. The card is issued to the eligible beneficiaries who can use the same for availing health insurance, provident fund payments, and other benefits provided by the system. Employees can get the card at any Labor Welfare Facilitation Center or regional labor office.
One of the important social security schemes that has been initiated for the unorganized workers of West Bengal is Bina Mulya Samajik Suraksha Yojana. It provides all the employees with a dignified life through perks such as health care, education support, and provident fund contributions. Online or offline registration at particular counters is also possible to get the benefits.
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FAQs
Q1. What is the BM-SSY plan?
Bina Mulya Samajik Suraksha Yojana (BM-SSY) is a comprehensive social security program for unorganized workers in the Indian state of West Bengal. The West Bengal government initiated this in 2017.
Q2. What are the benefits?
The Provident Fund, Health and Family Welfare, Death and Disability, and Education programs will provide financial support to unorganized organizations.
Q3. What is the sum of money which is falling under the Death and Disability clause?
During the lifetime of the beneficiary, if the beneficiary dies due to accidental reasons: ₹2,00,000 only 2. During the lifetime of the beneficiary, if the beneficiary dies normally: ₹ 50,000/-only 3. When the loss is partial so that one eye becomes blind and no use of another hand or foot is possible or when both eyes are totally and irreparably lost, the amount is ₹2,00,000.
Q4. When would the beneficiary receive the amount if the person had permanent and irreversible blindness, or loss of use of either one hand or foot?
The principal plus interest is paid back at retirement or death.
Q5. What is the maximum and minimum age to apply?
The minimum age to apply is 18 years and the maximum age is 60 to apply for this yojana.
