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sunilsagar2494@gmail.com
Hello Everyone, Can you please explain to me the claim process and required documents (ESI) for the following

Employee Death – OFF DUTY
1. Natural Death
2. Death due to accident

Employee Death – ON DUTY
1. Natural Death
2. Death due to accident

From India, Hyderabad
ashakantasharma
1

The process and required documents for ESI (Employees' State Insurance) claims in case of employee death vary based on whether the death occurred off duty or on duty, and whether it was due to natural causes or an accident. Here's a detailed explanation for each scenario:

### Employee Death - OFF DUTY

#### 1. Natural Death

**Process:**
When an employee covered under ESI Scheme passes away due to natural causes while off duty, the dependents are eligible to claim benefits.

**Required Documents:**
1. **Claim Form**: Form 22 - This form needs to be filled and submitted by the dependents of the deceased employee.
2. **Death Certificate**: Original copy of the death certificate issued by the competent authority.
3. **Post-mortem Report** (if applicable): In case of sudden death or if required by the ESI authorities.
4. **Certificate from Employer**: Form 24 - Certificate of employment and accident or death details from the employer.
5. **Legal Heir Certificate**: Proof of legal heirs of the deceased employee (usually includes a succession certificate or legal heir certificate issued by a competent authority).
6. **Bank Details**: Bank account details of the dependents for payment of benefits.

#### 2. Death due to Accident

**Process:**
If the employee dies due to an accident while off duty, the procedure is similar to natural death, but with specific documentation related to the accident.

**Required Documents:**
1. **Claim Form**: Form 22.
2. **Death Certificate**.
3. **Post-mortem Report**: If applicable and available.
4. **Police FIR**: First Information Report or Accident Report if the death occurred due to an accident.
5. **Certificate from Employer**: Form 24 - Accident details and employment confirmation.

### Employee Death - ON DUTY

#### 1. Natural Death

**Process:**
For natural deaths occurring while the employee is on duty, the process includes submitting the claim through the employer to the ESI Corporation.

**Required Documents:**
1. **Claim Form**: Form 22.
2. **Death Certificate**.
3. **Certificate from Employer**: Form 24 - Confirmation of employment and details of death on duty.
4. **Medical Records**: Relevant medical records if the death was due to a prolonged illness or medical condition.

#### 2. Death due to Accident

**Process:**
If the employee dies due to an accident while on duty, the process involves additional documentation related to the accident.

**Required Documents:**
1. **Claim Form**: Form 22.
2. **Death Certificate**.
3. **Police FIR**: First Information Report or Accident Report.
4. **Certificate from Employer**: Form 24 - Confirmation of employment and accident details.

### General Tips and Considerations:
- **Timely Submission**: Ensure all documents are submitted promptly to the employer and subsequently to the ESI Corporation to avoid delays in processing the claim.
- **Legal Heirship**: Make sure legal heirship documents are clear and in order to facilitate smooth processing of benefits.
- **Bank Account Details**: Accurate and updated bank account details should be provided to ensure timely disbursal of benefits.

These are the general procedures and documents required for ESI claims in case of employee death, categorized by whether the death occurred off duty or on duty, and whether it was due to natural causes or an accident. Specific requirements may vary slightly depending on local ESI office regulations and circumstances surrounding each case. It's advisable to consult with the HR department or ESI authorities for detailed guidance specific to your location and situation.

From India, Guwahati
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