The West Bengal Bina Mulya Samajik Suraksha Yojana (WB BMSSY) was launched by the Government of West Bengal to provide financial protection and social security to unorganized workers in the state.
The WB BMSSY was launched in order to improve the standard of living of the people who are economically backward and to ensure that they have access to basic amenities.
The बिना मूल्य सामाजिक सुरक्षा योजना (BMSSY) provides financial assistance in the form of a monthly pension to eligible beneficiaries.
The pension amount is given to those who are unable to earn a livelihood due to old age, disability, or any other reason.
The scheme is a part of the larger social welfare program of the state government that aims to provide social security to the underprivileged.
Unorganized workers
Unorganized workers are those who work in the informal sector and are not covered by formal social security schemes.
They often work in low-paying jobs without any job security, benefits, or legal protection. According to the National Sample Survey, around 93% of the workforce in India is employed in the unorganized sector.
Need for Social Security for Unorganized Workers
The lack of social security for unorganized workers is a major concern, as they are vulnerable to economic, social, and health risks.
In the absence of formal social security schemes, they often have to rely on their own savings or borrow money in case of emergencies, which can lead to debt traps and financial insecurity.
WB BMSSY
The West Bengal Bina Mulya Samajik Suraksha Yojana (WB BMSSY) was launched in 2019 to provide social security cover to unorganized workers in the state.
The scheme covers various categories of workers, including rickshaw pullers, street vendors, domestic workers, and construction workers, among others.
It offers a range of benefits, including life insurance, health insurance, disability cover, maternity benefit, funeral expenses, pension benefit, and scholarships.
What is West Bengal Bina Mulya Samajik Suraksha Yojana?
The West Bengal Bina Mulya Samajik Suraksha Yojana is a comprehensive social security scheme that provides financial assistance to the vulnerable and marginalized sections of the society (Unorganized Workers).
SSY was launched by the Government of West Bengal in 2017, with the objective of ensuring social security to the underprivileged and empowering them to lead a dignified life.
How Does the BMSSY Work?
The BMSSY scheme works on a monthly payment basis, providing beneficiaries with financial assistance of Rs. 1000 per month.
The scheme is designed to provide long-term support to beneficiaries, who are identified and selected based on their socio-economic status. The funds are transferred to the bank account of the beneficiaries every month.
Who is Eligible for the BMSSY Scheme?
The BMSSY Scheme (West Bengal Bina Mulya Samajik Suraksha Yojana) is open to all residents of West Bengal who belong to the following categories:
- Resident of West Bengal: The applicant must be a resident of West Bengal and should possess a valid proof of address.
- Economically Weaker Section: The applicant should belong to the economically weaker section of the society and should not have a regular source of income.
- Destitute people who are homeless and have no means of livelihood.
- Senior citizens who are above 60 years of age and do not have any source of income.
- Widows who do not have any source of income.
- Women who are divorced, abandoned or separated and have no source of income.
- Persons with Disabilities (PWD) who are unable to earn their livelihood.
- Age Limit: There is no age limit to avail of the benefits of the scheme.
| Name of Scheme | West Bengal Bina Mulya Samajik Suraksha Yojana |
|---|---|
| Title | Apply for West Bengal Bina Mulya Samajik Suraksha Yojana |
| Subject | West Bengal Bina Mulya Samajik Suraksha Yojana Status Check |
| Category | Scheme |
| Website | https://bmssy.wblabour.gov.in/ |
| BMSSY Login | West Bengal BMSSY Login |
Documents Required for BMSSY Registration
To apply for the West Bengal Bina Mulya Samajik Suraksha Yojana, the beneficiary needs to submit the following documents:
- Aadhar Card
- Bank Account Details
- Address Proof
- Age Proof
- Proof of Being an Unorganized Worker
How to Apply for the BMSSY Scheme?
The BMSSY application process or BMSSY Registration for the scheme is straightforward. Interested candidates can visit the official website of the Government of West Bengal and download the application form.
The completed form, along with the necessary documents, should be submitted to the concerned authorities at the Block Development Office (BDO) or the Panchayat Samiti. Once the application is processed and approved, the beneficiary’s bank account will be credited with the monthly assistance.
BMSSY Registration: How to register for the scheme?
The registration process for the West Bengal Bina Mulya Samajik Suraksha Yojana is quite simple. The interested applicants can follow the below-mentioned steps to register for the scheme:
- The interested applicants can visit the official website of the West Bengal Department of Women and Child Development and Social Welfare to register for the scheme.
- The applicants need to download the application form for the scheme from the official website.
- The applicants need to fill up the application form with all the necessary details.
- The applicants need to submit the application form along with the necessary documents to the nearest government office.
BMSSY Status Check
The applicants can check the status of their Bina Mulya Samajik Suraksha Yojana application by following the steps mentioned below:
- Visit the official website of the scheme.
- Click on the “Check Status” link.
- Enter the application number.
- Click on the “Submit” button.
BMSSY Login Procedure
To log in to the Bina Mulya Samajik Suraksha Yojana portal, follow the steps given below:
- Visit the official website of the BMSSY scheme
- Click on the “Login” button
- Enter your user ID and password
- Click on the “Submit” button
How to Avail the Benefits of West Bengal Bina Mulya Samajik Suraksha Yojana
The following is the process of availing the benefits of the scheme:
- The worker should visit the nearest Common Service Centre (CSC) to enroll in the scheme.
- The worker should provide the necessary documents such as proof of age, address proof, and identity proof.
- The worker should also provide the details of the nominee.
- After enrollment, the worker will receive a smart card that contains all the details of the worker and the benefits he/she is entitled to.
- The worker can avail of the benefits by using the smart card at the empanelled hospitals or by contacting the nearest CSC.
Benefits of the BMSSY Scheme
The West Bengal Bina Mulya Samajik Suraksha Yojana (BMSSY) provides the following benefits to the beneficiaries:
- Life Insurance: Under the scheme, unorganized workers are provided with a life insurance cover of Rs. 2 lakh in case of natural death and Rs. 4 lakh in case of accidental death.
- Health Insurance: The scheme also provides health insurance cover of up to Rs. 1 lakh per annum for the worker and their family members.
- Disability Cover: In case of permanent disability due to an accident, the worker is provided with a disability cover of Rs. 2 lakh.
- Maternity Benefit: Female workers are entitled to maternity benefit of Rs. 6,000 for up to two children.
- Funeral Expenses: In case of the worker’s death, the scheme covers funeral expenses up to Rs. 2,000.
- Pension Benefit: The scheme also provides a pension benefit of Rs. 1,000 per month to workers who have completed 60 years of age and have been enrolled in the scheme for at least 10 years.
- Scholarships: Under the scheme, the children of unorganized workers are provided with scholarships of up to Rs. 10,000 per annum for their education.
The West Bengal Bina Mulya Samajik Suraksha Yojana is a significant step towards providing social security to unorganized workers in the state. The scheme offers a range of benefits, including life insurance, health insurance, disability cover, maternity benefit, funeral expenses, pension benefit, and scholarships.
The scheme has faced challenges in implementation, but there is a need to continue with efforts to improve the outreach and awareness of the scheme to ensure that it reaches the intended beneficiaries.