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Aryan works in the coal mines, facing daily physical risks while trying to secure a future for his family. This hub covers the central protections, welfare funds, and safety nets he relies on, alongside the state-specific benefits he can claim in his home region.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 5 Arunachal Pradesh AR 4 Assam AS 6 Bihar BR 7 Chhattisgarh CG 5 Chandigarh CH 4 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 7 Goa GA 6 Gujarat GJ 5 Himachal Pradesh HP 7 Haryana HR 6 Jharkhand JH 7 Jammu and Kashmir JK 5 Karnataka KA 5 Kerala KL 7 Ladakh LA 5 Lakshadweep LD 8 Maharashtra MH 7 Meghalaya ML 5 Manipur MN 5 Madhya Pradesh MP 6 Mizoram MZ 4 Nagaland NL 4 Odisha OD 7 Punjab PB 7 Puducherry PY 6 Rajasthan RJ 5 Sikkim SK 4 Tamil Nadu TN 7 Tripura TR 4 Telangana TS 6 Uttarakhand UK 8 Uttar Pradesh UP 6 West Bengal WB 5 These are the specific protections and funds dedicated to those working in the mining sector.
Coal Mines Labour Welfare Fund कोयला खान श्रम कल्याण निधि national · Ministry of Coal
Who qualifies All coal mine workers and their dependents.
What you get Financial assistance for housing, water supply, and medical care.
What it actually costs you Deductions from salary; requires proof of employment and dependent certificates.
Common gotcha Often confused with general labor welfare; check with your local welfare commissioner office.
Mines Rescue Rules national · DGMS
Who qualifies All underground mine workers.
What you get Mandatory safety training and rescue equipment access.
What it actually costs you Time spent in mandatory safety drills.
Common gotcha Many workers skip training; it is your legal right to demand this.
Vocational Training Rules national · DGMS
Who qualifies Every person employed in a mine.
What you get Compulsory safety and skill training.
What it actually costs you Zero cost; employer must pay for training time.
Common gotcha Employers often falsify records; ensure your name is on the register.
Coal Mines Provident Fund (CMPF) कोयला खान भविष्य निधि national · CMPFO
Who qualifies Coal mine employees.
What you get Retirement savings and pension benefits.
What it actually costs you Monthly contribution from salary; UAN number required.
Common gotcha Linking Aadhaar to UAN is mandatory for withdrawals.
Mines Creche Rules national · Ministry of Labour
Who qualifies Women workers with children under 6.
What you get Access to a safe creche facility near the mine.
What it actually costs you Proof of employment and child's birth certificate.
Common gotcha Many mines fail to maintain these; report to the labour inspector.
Workmen's Compensation Act national · Ministry of Labour
Who qualifies Workers injured during employment.
What you get Monetary compensation for injury or death.
What it actually costs you Medical reports and incident logs.
Common gotcha Employers try to settle privately; always file an official report. Mining takes a toll on the body; these schemes help cover the high costs of medical treatment.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified in SECC 2011.
What you get ₹5 lakh annual health cover per family.
What it actually costs you Aadhaar card and ration card; no premium.
Common gotcha Check if your hospital is empanelled before admission.
Employees' State Insurance (ESI) ईएसआईसी national · ESIC
Who qualifies Workers earning below ₹21,000/month.
What you get Full medical care for self and family.
What it actually costs you Small monthly deduction from salary.
Common gotcha You must have an ESI Pehchan card to access services.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies All citizens.
What you get Generic medicines at 50-90% cheaper rates.
What it actually costs you Just a prescription.
Common gotcha Doctors often write brand names; ask for the generic equivalent.
Rashtriya Swasthya Bima Yojana national · Ministry of Labour
Who qualifies Unorganized sector workers.
What you get Smart card-based cashless health insurance.
What it actually costs you ₹30 registration fee.
Common gotcha Largely being merged into Ayushman Bharat; check status.
Nikshay Poshan Yojana निक्षय पोषण योजना national · Ministry of Health
Who qualifies TB patients.
What you get ₹500 per month for nutritional support.
What it actually costs you Medical diagnosis and bank account linkage.
Common gotcha Ensure your bank account is DBT-enabled.
Maternity Benefit Act national · Ministry of Labour
Who qualifies Women workers.
What you get 26 weeks paid maternity leave.
What it actually costs you Proof of pregnancy/delivery.
Common gotcha Employers often deny this for contract workers; it applies to all. With a high-risk job, I need to ensure my savings are secure and my family is protected if I'm not around.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Age 18-70 with a bank account.
What you get ₹2 lakh accidental death/disability cover.
What it actually costs you ₹20 annual premium (auto-debit).
Common gotcha Must renew every year if not on auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Age 18-50 with a bank account.
What you get ₹2 lakh life insurance cover.
What it actually costs you ₹436 annual premium.
Common gotcha Coverage starts after a 45-day lien period.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Age 18-40.
What you get Guaranteed monthly pension of ₹1k-5k after 60.
What it actually costs you Monthly contribution based on age.
Common gotcha You cannot withdraw before 60 except in emergencies.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Ministry of Finance
Who qualifies Unbanked individuals.
What you get Zero balance account with RuPay debit card.
What it actually costs you KYC documents (Aadhaar/PAN).
Common gotcha Keep the account active to maintain insurance benefits.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Ministry of Finance
Who qualifies Parents of girl child under 10.
What you get High-interest savings for daughter's education/marriage.
What it actually costs you Minimum ₹250 annual deposit.
Common gotcha Only for two daughters; exceptions for twins.
Employees' Provident Fund ईपीएफ national · EPFO
Who qualifies Formal sector employees.
What you get Retirement corpus.
What it actually costs you 12% of basic salary.
Common gotcha Ensure your date of exit is updated by the employer. Managing household expenses is hard; these schemes help keep food on the table.
Public Distribution System (PDS) राशन कार्ड national · Ministry of Consumer Affairs
Who qualifies Low-income families (BPL/Antyodaya).
What you get Subsidized rice, wheat, and sugar.
What it actually costs you Ration card and Aadhaar authentication.
Common gotcha One Nation One Ration Card allows you to take rations anywhere.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum
Who qualifies Women from BPL households.
What you get Free LPG connection.
What it actually costs you KYC and bank account.
Common gotcha You still have to pay for the refill cylinder.
Pradhan Mantri Awas Yojana (Gramin) प्रधानमंत्री आवास योजना national · Ministry of Rural Development
Who qualifies Homeless or kutcha house dwellers.
What you get Financial assistance for building a house.
What it actually costs you Land ownership proof.
Common gotcha Selection is based on SECC data; check your name on the list.
Swachh Bharat Mission (Grameen) स्वच्छ भारत मिशन national · Ministry of Jal Shakti
Who qualifies Families without toilets.
What you get ₹12,000 for toilet construction.
What it actually costs you Construction proof.
Common gotcha Funds are released after geotagged photos are uploaded.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing
Who qualifies Street vendors.
What you get Collateral-free working capital loan.
What it actually costs you Vendor registration.
Common gotcha Repay on time to get interest subsidy.
National Social Assistance Programme (NSAP) राष्ट्रीय सामाजिक सहायता कार्यक्रम national · Ministry of Rural Development
Who qualifies Elderly, widows, and disabled.
What you get Monthly pension.
What it actually costs you Age and income certificates.
Common gotcha Often requires annual life certificate submission.
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