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Dear All, I have query of death claim. For employees, who all are not covered under ESIC/above ESIC limit, if employee dies either by accident/disease, what will be laibility of the Comapny? Anil
From India, Pune
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If the accident occurs during employment and the disease is due to occupation, then the employer is very much responsible if the employee is not covered under ESI. Compensation is determined based on various factors such as age, wages as of the accident date, the disease itself, the impact on earning capacity due to organ loss, and other relevant factors. It is advisable to cover all employees under a workmen's compensation policy to prevent such issues.

Regards,
Kamesh

From India, Hyderabad
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If the accident is in the course of employment & disease is due to occupation then the employer is very much responsible employer has to give compensation under compensation act.
From India, Hyderabad
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Apart from compensation under the revised Employees' Compensation Act for accidental death or death due to occupational disease, the family of the deceased is eligible for widow and children pension, and deposit-linked insurance benefits under the EPF Act.
From India, Pune
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Appreciate all your above responses. Kindly provide a little more clarity in this regard.

Employees, does it mean "all employees including officers, executives, managers, directors, etc."? What will be the maximum amount payable to an employee in case of an accident? If you can suggest any insurance that can cover all liabilities of the employer, please share.

Regards,
Anil

From India, Pune
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Dear Mr. Kamesh,

Can you please advise whether ESI would pay compensation to the family in case of the death of an employee who is covered under ESI? If yes, is there a specific method to arrive at the compensation based on their last drawn salary? Please advise.

Thanks, Ravi

From India, Madras
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