Ambedkar Labour Helping Hand Scheme for different workers

 Ambedkar Labour Helping Hand Scheme

Empowering Karnataka’s Unorganized Workforce with Security and Support .The Government of Karnataka, through the Karnataka State Unorganized Workers Social Security Board, has introduced the Ambedkar Labour Helping Hand Scheme (Ambedkar Karmika Sahay Hasta Yojana) — a comprehensive welfare program aimed at providing social security, financial assistance, and protection to unorganized workers across the state

About the Scheme:

Currently, 23 categories of unorganized workers are registered under this program and are issued Smart Cards for identification and access to benefits. These cards serve as proof of registration and eligibility under the scheme.

The scheme provides social security coverage to workers engaged in diverse informal sectors who are often excluded from traditional labor benefits like PF or ESI.

Eligible Categories of Workers

The following unorganized workers are eligible to register under this scheme:

• Porters
• Unorganized disabled workers
• Rag pickers
• Nomadic tribe workers
• Domestic workers / housekeepers
• Beedi workers
• Tailors
• Tent house, welfare hall, and pandal workers
• Tree workers
• Barbers
• Freelance writers and journalists
• Goldsmiths
• Photographers
• Blacksmiths
• Hotel workers
• Potters
• Bhatti (kiln) workers
• Street vendors
• Weavers
• Cinema and cultural workers
• Newspaper delivery workers
• Gig workers
• Private commercial transport workers

Eligibility Criteria:

To apply for the Ambedkar Labour Helping Hand Scheme, applicants must meet the following conditions:

• Must be a resident of Karnataka.
• Age limit: Between 18 and 60 years.
• Must be registered with the Karnataka State Unorganized Workers Board and actively engaged in one of the eligible professions.
• Should not be an income tax payer.
• Should not have access to ESI or PF facilities.

 Benefits and Facilities Under the Scheme

1. Accident Relief Facility

• In case of death due to an accident – ₹ 1,00,000 compensation to the nominee.
• In case of permanent or partial disability – up to ₹ 1,00,000 compensation (based on disability percentage).
• Hospital expense reimbursement – up to ₹ 50,000 for treatment of accident-related injuries.

2. Natural Death and Funeral Assistance

• In case of natural or untimely death of the registered worker, the family will receive ₹10,000 towards funeral expenses.

 Application Process

To avail of the benefits, follow these steps:

Applications must be submitted online through the Seva Sindhu portal: Click here

Applications should be submitted:

• Within one year of the accident for accident-related claims.
• Within six months in case of natural death.
• Attach the necessary documents such as:
• Smart Card copy
• Death certificate / medical report / FIR (as applicable)
• Bank account details for direct benefit transfer

Insurance Facility for Karnataka State Private Commercial Transport Workers

 Karnataka State Private Commercial Transport Workers Accident Compensation Scheme.

The Government of Karnataka, through the Karnataka State Unorganized Workers Social Security Board, has launched a special initiative — the Private Commercial Transport Workers Accident Compensation Scheme.

This welfare program aims to provide financial protection and social security to drivers, operators, and cleaners of private commercial vehicles, who face a high risk of accidents during their work. The scheme ensures that in the event of an accident — whether on or off duty — workers and their families receive financial relief and support.

Objective of the Scheme

Private transport workers often face life-threatening risks due to long working hours and road-related hazards. In the unfortunate event of an accident, disability, or death, their families suffer both financial and emotional hardship.

To address this, the Karnataka government introduced this scheme to provide compensation and educational assistance, ensuring social and economic security for affected families.

 Eligibility Criteria

• To become a beneficiary under the scheme, applicants must meet the following conditions:
• Must be a resident of Karnataka.
• Age limit: Between 20 and 70 years.
• Should be a driver, operator, or cleaner of a private commercial transport vehicle.
• Benefits are applicable only in case of accidents (on or off duty).
• Drivers are automatically covered; no separate registration is required.
• Operators and cleaners must register with the District Registration Officer under the scheme.
• The worker must hold a valid commercial vehicle driving license (for drivers).
• Workers who have changed professions at the time of the accident are not eligible for compensation.

 Benefits Under the Scheme

•  In Case of Death  -  Compensation of ₹5,00,000 will be provided to the nominee of the deceased worker.
•  In Case of Permanent Disabilit - Compensation of up to ₹2,00,000 will be given, depending on the extent of disability.
•  In Case of Temporary Disability - For hospitalization less than 15 days: Up to ₹50,000 or the actual hospital cost, whichever is lower. For hospitalization more than 15 days: Up to ₹1,00,000 or the actual hospital cost, whichever is lower.

Application Procedure:

• To claim the benefits, the following process should be followed:
• The beneficiary or nominee must submit an application form to the Board within one year of the accident.
• In case of death: The nominee should attach:
• Death certificate
• Post-mortem report
• FIR copy
• Valid driving/operating license
• Cleaner’s registration ID card

In case of disability: Submit:

• FIR copy
• Valid driving/operator license or registration ID
• Original medical certificate
• Hospital bills for inpatient expenses

If the application is approved, the compensation amount is directly transferred to the applicant’s bank account.

Educational Financial Assistance:

To ensure continued education for dependents, the scheme provides annual financial aid to the children of workers who have died or become permanently disabled due to an accident.

• Assistance amount: ₹10,000 per child per year
• Applicable for: Up to two children, from Class 1 to Class 12
• Applications can be submitted through the District Labour Office or directly to the Board.
• The financial assistance is credited directly to the applicant’s bank account.

To know more / apply Click here

Insurance Policy for Karnataka State Newspaper Delivery Workers

Karnataka State Newspaper Delivery Workers Accident Compensation and Medical Benefit Scheme 

Newspaper delivery workers are unorganized and engaged in part-time profession. This scheme has been formulated to provide compensation to them in case of accidents while delivering newspapers to the readers' homes. The basic objective of the scheme is to provide social security to these workers by providing accident compensation and medical facilities.

Eligibility for availing the facility

•  Should be resident of Karnataka
•  Must be between the ages of 16 and 70 years
• Should be registered under the category of News Paper Boy on the Central Government's e-Shram portal.
• Must not be an income tax payer
• Should not have ESI and PF facility.

Documents must be submitted in case of an accident

• Identity card registered on e-Crum portal
•  Employment certificate in the prescribed format
•  Copy of FIR
•  In case of death, death certificate and postmortem report
•  Original hospital bills, original discharge summary in hospital expense reimbursement cases
• Government Medical Impairment Certificate ( Impairment Case
• Genealogy certificate from the Revenue Department (in case of death)
•  Ration card (if available)
•  Beneficiary's Aadhaar card copy
• Aadhar card and passport of this nominee/beneficiary
• Passbook copy
• Other documents required

Facilities available under this scheme

•  If death occurs due to accident: Rs. 2.00 lakh
•  Up to 2.00 lakhs in case of permanent disability due to accident (based on percentage of disability)
•  Hospital expenses reimbursement up to Rs. 1 lakh in case of accident, terminal illness or serious illness
  

To apply/know more Click here

Insurance Scheme for the Karnataka State Gig Workers

Karnataka State Gig Workers

Insurance plan All unorganized workers engaged in food delivery in companies like Swiggy, Zomato and delivery in e-commerce companies like Amazon, Flipkart, BigBasket, Porter, Pharmacy, Benkit, Zeppo, Dominos etc. can avail this insurance facility.

This scheme has been implemented for the welfare of all unorganized workers involved in the delivery profession with e-commerce companies. The main objective is to provide protection to gig workers who are deprived of social security facilities. This insurance scheme will help the workers and their dependents. If the workers of e-commerce companies die, their dependents will have to face severe hardship. Keeping this in mind, this insurance scheme has been implemented for the first time in the entire country.

What are the scheme facilities?

• Life Insurance: Life insurance compensation of ₹2 lakh to the legal heirs after the death of the beneficiary
• Accident insurance facility
•  In case of death, an accident insurance compensation of ₹2 lakh and a life insurance compensation of ₹2 lakh, for a total compensation of ₹4 lakh
•  Complete, permanent / partial impotence relief (Shekaranaru Durbakate) (based on) ₹2 lakh compensation
• Hospital Expense Reimbursement up to 1.00 lakhs

Documents to be submitted for registration

• Employment certificate/identity card obtained from the employer in the prescribed format stating that this is a gin worker
•  Aadhaar Number
•  E-Shram ID card number
•  Latest passport measurement photo
• Any document for proof of this address (Voter ID card/Driving License/Aadhar/Passport etc..,

To know more / apply Click here

Maternity and Child Welfare Assistance for Registered Construction Workers.

Mother child helping hand

In the event of a registered female beneficiary giving birth to a child, assistance will be provided for her child's pre-school education and nutrition until the child completes three years of age by the "Karnataka Building & Other Construction Workers Welfare Board (KBOCWWB)"

Eligibility and Criteria

• Must be a registered worker with the board
• The beneficiary is entitled to assistance for the provision of physical primary education and nutrition of the child for a period of three years from the time of delivery.
• The application must be submitted within six months of the delivery/birth of the child.
• Application must be submitted every year for up to three years.
• This subsidy can be availed only twice (only for the birth of the first two children)

Necessary Documents to Apply

• Identity card issued by the board
• Copy of Bank Pass Book
• A photograph of a child
• Employment confirmation letter and self-certification letter
• Child's birth certificate obtained from the birth registration authorities
• Official birth report obtained from a doctor
• Filing an affidavit regarding second birth
• Ration card
• An affidavit must be filed every year (second and third year) regarding the child's life.

Procedure for filing application

This application must be submitted online using the following link:

Click here

Marriage Assistance for the Construction workers

Marriage grant

Assistance will be provided for the first marriage of a registered construction worker or the marriage of his/her children Karnataka Building & Other Construction Workers Welfare Board (KBOCWWB).

Eligibility and criteria

• Must be a registered worker with the board
• Must have completed at least one year of membership in the board from the date of registration to the date of marriage.
• A worker's family will be allowed to receive the subsidy only twice.
• Must have reached the age prescribed under the Marriage Act to receive the subsidy
• Application must be submitted within 6 months from the date of marriage.

Documents to Apply

• Identity card issued by the board
• Employment confirmation letter and self-certification letter
• Copy of Bank Pass Book
• Marriage registration certificate obtained from the marriage registrar
• Affidavit if the marriage took place outside the state of Karnataka
• Copy of Ration Card
• Aadhar card copy of the bride and groom (to confirm age or children of the beneficiary)

Application procedure

This application must be submitted online using the following link:

Click here

Major Medical Expense Coverage for Construction Workers

 Major Medical Expense Subsidy (Labor Medical Benefit)

Subsidies will be provided upto ₹2,00,000 for heart disease, kidney transplant, cancer surgery, eye surgery, orthopedic surgery, uterine surgery, asthma treatment, abortion cases, treatment related to gallbladder problems, kidney stone removal treatment, brain hemorrhage treatment, ulcer treatment, dialysis treatment, kidney surgery, ENT treatment, surgery, neurosurgery, vascular surgery, esophageal treatment, and other cough treatments.

Eligibility and Criteria

• The beneficiary should submit a medical certificate stating that he has been admitted as an inpatient for at least two days in a government/government recognized private hospital (included in the schedule).
• The application must be submitted within 6 months from the date of discharge from the hospital.

Documents to be submitted with the application

• Identity card issued by the board
• Form 22 A Application filled by the hospital
• Copy of Ration Card
• Employment confirmation letter and self-certification letter
• Hospital bills (must include admission and discharge dates and treatment details)
• First and last page of the discharge certificate (discharge summary)

Application procedure

This application must be submitted online using the following link:

Click here