Bina Mulya Samajik Suraksha Yojana: Free Social Security Scheme for Workers

Short Description: BMSSY provides social security and benefits to unorganised workers in West Bengal through health, provident fund, and financial aid schemes.

The Bina Mulya Samajik Suraksha Yojana (BMSSY) is a social security program by the Government of West Bengal aimed at unorganised workers. It offers a package of benefits including provident funds, health insurance, monetary support, and disability benefits. BMSSY covers a wide range of unorganised industries and self-employed workers, improving their living standards and ensuring no one is left behind.

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What Is Bina Mulya Samajik Suraksha Yojana?

The Bina Mulya Samajik Suraksha Yojana (BMSSY) provides monetary and health support to workers in unorganised sectors in West Bengal. It combines various government initiatives to assist these workers and reduce inequality. BMSSY offers provident funds, health insurance, educational assistance, and death or disability compensation for unorganised workers and self-employed individuals.

Unorganised Industries Under BMSSY

BMSSY covers 46 unorganised industries in West Bengal, including sectors mentioned below in the list.

• Automobile Repairing Garages

• Beedi Making

• Hotel & Restaurant Workers

• Hosiery Industry

• Handloom Workers

• Tailoring Industries

Self-Employed Persons Covered In BMSSY

BMSSY extends its benefits to 15 self-employed occupations, including:

• Barbers/Beauticians

• Cobbler/Shoe Maker

• Domestic Servants

• Cycle Rickshaw & Van Pullers

• Fishermen

BMSSY Objective & Features

The main objective of BMSSY is to provide social security to the unorganised workforce. The govt scheme key features are mentioned below.

• Provident Fund Contribution: Workers contribute 25 rupees and the state contributes another ₹ 30 every month to the fund.

• Health Coverage: Reimbursement for hospitalisation and treatment costs under the West Bengal Health Scheme (WBHS).

• Death And Disability Benefits: Up to ₹20 lakhs are paid to beneficiaries in case of death or disability.

• Education Assistance: Financial support for the education of workers' children.

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BMSSY Benefits

BMSSY benefits the unorganised sector workers in different manageable ways. Some of its most prominent benefits include

• Provident Fund: Monthly contributions from workers and the state government, which can be accessed upon retirement or in case of death.

• Health and Family Welfare: Covers medical expenses up to ₹20,000 per year, with surgery costs covered up to ₹60,000.

• Death & Disability Benefits: Provides ₹2,00,000 in case of death or total disability due to accidents.

• Educational Assistance: Financial support for the education of workers' children, from Class XI to post-graduation.

BMSSY Eligibility Criteria

To be a prospective beneficiaries of the Bina Mulya Samajik Suraksha Yojana, the following conditions must be fulfilled in order to be eligible

• Be a permanent resident of West Bengal.

• The age ranges between 18 to 60 years.

• Have a monthly family income below ₹6,500, except for construction and transport workers.

BMSSY Documents Required

To register for Bina Mulya Samajik Suraksha Yojana (BMSSY), the following documents are required. So, make sure to have all the documents ready before proceeding towards the application process.

• Aadhaar Card

• Ration Card

• Residence Certificate

• Passport-size photograph

• Mobile number and Email ID

• Caste certificate (if applicable)

• Income certificate

Read More: How To Update Aadhaar Card?

BMSSY Registration Process

BMSSY registration can be completed through online and offline median. Both options make this govt scheme flexible for the state unorganised sector,

BMSSY Online Registration

• Step 1: Visit the official portal.
• Step 2: Fill in the necessary details like personal, contact, and bank details.
• Step 3: Submit required documents online.

BMSSY Offline Registration

• Step 1: Applicants can visit their local block or municipality office.
• Step 2: Special registration camps are also held monthly.

BMSSY Application Process

The steps to apply for this state government scheme is fairly straightforward and easy. One not need to worry about any form of complexity, as compared to other govt schemes.

• Step 1: Visit the official website https://bmssy.wblabour.gov.in/.
• Step 2: Click on ‘New Registration by Beneficiary’ and fill in personal details.
• Step 3: Submit the form and obtain login credentials.
• Step 4: Log in using the provided credentials.
• Step 5: Fill out information regarding:
  • Basic Information
  • Address Details
  • Bank Details
  • Nominee and Dependent Information
• Step 6: Upload the necessary documents and complete the application.

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What Is A BMSSY Card?

Eligible beneficiaries receive the BMSSY Card, also called the Samajik Mukti Card (SMC). This card allows them to access scheme benefits, including provident fund contributions, health insurance, and other assistance. Workers can obtain the card from any regional labour office or Labour Welfare Facilitation Centre.

Conclusion

The Bina Mulya Samajik Suraksha Yojana is a crucial social security program designed to provide financial support to unorganised workers in West Bengal. BMSSY offers benefits like provident fund contributions, healthcare, and education assistance, ensuring a dignified life for all workers. Eligible workers can register online or at designated centres to access these benefits.

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Important Links

Official website: https://bmssy.wblabour.gov.in/

Login Portal: https://bmssy.wblabour.gov.in/v2/login