Section 32: Benefits

Finin2min analysis — what the section actually does

Full statutory text — Section 32

32. Benefits.— (1) Subject to the provisions of this Code, the Insured Persons, their dependants or the
persons hereinafter mentioned, as the case may be, shall be entitled to the following benefits, namely:—
       (a) periodical payments to any Insured Person in case of his sickness certified by a duly appointed
    medical practitioner or by any other person possessing such qualifications and experience as the
    Corporation may, by the regulations, specify in this behalf (hereinafter referred to as sickness benefit);
         (b) periodical payments to an Insured Person being a woman in case of confinement or miscarriage
    or sickness arising out of pregnancy, confinement, premature birth of child or miscarriage, such woman
    being certified to be eligible for such payments by an authority specified in this behalf by the regulations
    (hereinafter referred to as maternity benefit);
        (c) periodical payments to an Insured Person suffering from disablement as a result of an
    employment injury sustained by him as an employee for the purposes of this Chapter and certified to
    be eligible for such payments by an authority specified in this behalf by the regulations (hereinafter
    referred to as disablement benefit);
       (d) periodical payments to such dependants of an Insured Person who dies as a result of an
    employment injury sustained by him as an employee for the purposes of this Chapter, as are entitled
    under this Chapter (hereinafter referred to as dependents’ benefit);
       (e) medical treatment for and attendance on Insured Persons (hereinafter referred to as medical
    benefit); and
        (f) payment to the eldest surviving member of the family of an Insured Person who has died,
    towards the expenditure on the funeral of the deceased Insured Person, or, where the Insured Person
    did not have a family or was not living with his family at the time of his death, to the person who
    actually incurs the expenditure on the funeral of the deceased Insured Person (to be known as funeral
    expenses):
    Provided that the amount of payment under this clause shall not exceed such amount as may be
prescribed by the Central Government and the claim for such payment shall be made within three months
of the death of the Insured Person or within such extended period as the Corporation or any officer or
authority authorised by it in this behalf may allow.
   (2) The Corporation may, subject to such conditions as may be laid down in the regulations, extend the
medical benefits to the family of an Insured Person.
    (3) The qualification of a person to claim sickness benefit, maternity benefit, disablement benefit and
dependants' benefit and the conditions subject to which such benefit may be given and the rate and period
thereof, shall be such as may be prescribed by the Central Government.
   (4) Subject to the provisions of this Code and the rules made thereunder relating to this Chapter, the
Corporation may make regulations for any matter relating or incidental to the accrual and payment of
benefits payable under this Chapter.

How to apply this provision

1. Primary statutory test — (1) Subject to the provisions of this Code, the Insured Persons, their dependants or the persons hereinafter mentioned, as the case may be, shall be entitled to the following benefits, namely:— (a) periodical payments to any Insured Person in case of his sickness certified by a duly appointed medical practitioner or by any other person possessing such qualifications and experience as the Corporation may, by the…
2. Additional operative limb — (d) periodical payments to such dependants of an Insured Person who dies as a result of an employment injury sustained by him as an employee for the purposes of this Chapter, as are entitled under this Chapter (hereinafter referred to as dependents’ benefit);
3. Qualification / exception to test — Provided that the amount of payment under this clause shall not exceed such amount as may be prescribed by the Central Government and the claim for such payment shall be made within three months of the death of the Insured Person or within such extended period as the Corporation or any officer or authority authorised by it in this behalf may allow.
4. Numerical or timing control — Provided that the amount of payment under this clause shall not exceed such amount as may be prescribed by the Central Government and the claim for such payment shall be made within three months of the death of the Insured Person or within such extended period as the Corporation or any officer or authority authorised by it in this behalf may allow.
5. Central Rule mapping — 21, 22. Read the mapped provision together with this text rather than treating the concordance as a substitute for it.
6. Evidence file — retain facts and records proving the role/status of: Employee / worker, Central Government, Authority / officer, Corporation / EPFO / Board.

Rules, forms and cross-references

A direct concordance is not exhaustive. Central/State jurisdiction, schemes, authority appointments, saved instruments and later notifications may change the practical route without changing the section wording.

Worked example

Q&A — Section 32

Source & verification trail