Permanent Disablement Benefit (PDB)
(a) PDB is payable to an IP who
suffers permanent residual disablement as a result of EI (including
Occupational Diseases) and results in loss of earning capacity. The proper
authority for assessing loss of earning capacity for injuries is the Medical
Board and for Occupational Diseases, Special Medical Board.
(b) The duration of PDB may be for the period given by Medical Board, if
assessment is provisional or for entire life if assessment is final.
(c) PDB Rate: The PDB rate is calculated as percentage of loss of earning
capacity as assessed by the Medical Board/MAT/EI Court in relation to TDB.
List of injuries deemed to result in permanent total disablement and
percentage loss of earning capacity has been previewed in 2nd Schedule to
ESIC Act, 1948. Hence, the maximum rate of PDB can be equal to the rate of
TDB.
PDB amount is revised by the ESIC from time to time to adjust for inflation.
The latest enhancement is with effect from 01.08.2002
(d) Commutation of PDB (Regulation 76-B): IP whose PDB has been assessed as
final and who has been awarded the same at the rate not exceeding Rs.1.50 per
day may apply for commutation of periodical payments of PDB into a lump-sum.
When an application for commutation is made within 6 months of the date of
communication of Medical Board decision periodical payments shall be commuted
into a lump sum provided the total commuted value does not exceed Rs.10,000
at the time of commencement of final award. However, where such an
application is made after expiry of 6 months, LO/RO will refer the case to
MR/PTMR to certify whether the IP has an average expectation of life for his
age. Such a certificate is issued by Medical Referee in the relevant place on
RO/LO letter.
(e) Age of an IP will have to be proved to the satisfaction of the
Corporation in all cases. Medical Boards assess the age of IPs who are not
able to produce satisfactory proof of age and opinion of Medical Board shall
be final in this regard.
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