Maternity Benefit Act
Maternity Benefit Act
TABLE OF CONTENT
A PROJECT ON.................................................................................................................................................1 MATERNITY BENEFIT ACT, 1961..............................................................................................................1 BACKGROUND....................................................................................................................................................2 INTRODUCTION.................................................................................................................................................3 1. SHORT TITLE EXTENT AND COMMENCEMENT ..........................................................................................................6 2. APPLICATION OF ACT .......................................................................................................................................6 3. DEFINITIONS ....................................................................................................................................................6 4. EMPLOYMENT OF OR WORK BY WOMEN PROHIBITED DURING CERTAIN PERIODS ...........................................................8 5. RIGHT TO PAYMENT OF MATERNITY BENEFITS ........................................................................................................9 6. NOTICE OF CLAIM FOR MATERNITY BENEFIT AND PAYMENT THEREOF .......................................................................10 7. PAYMENT OF MATERNITY BENEFIT IN CASE OF DEATH OF A WOMAN ........................................................................11 8. PAYMENT OF MEDICAL BONUS ..........................................................................................................................11 9. LEAVE FOR MISCARRIAGE ETC. .........................................................................................................................11 10. LEAVE FOR ILLNESS ARISING OUT OF PREGNANCY DELIVERY PREMATURE BIRTH OF CHILD MISCARRIAGE MEDICAL TERMINATION OF PREGNANCY OR TUBECTOMY OPERATION .........................................................................................12 11. NURSING BREAKS .........................................................................................................................................12 12. DISMISSAL DURING ABSENCE OF PREGNANCY ....................................................................................................12 13. NO DEDUCTION OF WAGES IN CERTAIN CASES ....................................................................................................13 14. APPOINTMENT OF INSPECTORS ........................................................................................................................13 15. POWERS AND DUTIES OF INSPECTORS ...............................................................................................................13 16. INSPECTORS TO BE PUBLIC SERVANTS ...............................................................................................................14 17. POWER OF INSPECTOR TO DIRECT PAYMENTS TO BE MADE ...................................................................................14 18. FORFEITURE OF MATERNITY BENEFIT ................................................................................................................16 19. ABSTRACT OF ACT AND RULES THEREUNDER TO BE EXHIBITED ............................................................................16 20. REGISTERS ETC. ...........................................................................................................................................16 21. PENALTY FOR CONTRAVENTION OF ACT BY EMPLOYER .......................................................................................16 22. PENALTY FOR OBSTRUCTING INSPECTOR ...........................................................................................................17 23. COGNIZANCE OF OFFENCES ............................................................................................................................17 24. PROTECTION OF ACTION TAKEN IN GOOD FAITH .................................................................................................17 25. POWER OF CENTRAL GOVERNMENT TO GIVE DIRECTIONS ....................................................................................17 26. POWER TO EXEMPT ESTABLISHMENTS ...............................................................................................................17 27. EFFECT OF LAWS AND AGREEMENTS INCONSISTENT WITH THIS ACT .......................................................................18 28. POWER TO MAKE RULES ................................................................................................................................18 29. AMENDMENT OF ACT 69 OF 1951 .................................................................................................................19 30. REPEAL ......................................................................................................................................................19 SECTION 12, 13..................................................................................................................................................20 THE MATERNITY BENEFIT (AMENDMENT) BILL, 2007 ...................................................................22 STATEMENT OF OBJECTS AND REASONS...........................................................................................22 FINANCIAL MEMORANDUM...................................................................................................................23 MEMORANDUM REGARDING DELEGATED LEGISLATION.............................................................24 CASE STUDIES..................................................................................................................................................25
BACKGROUND
Economic dependence of women is what gives rise to their subordination in society today. Hence to remove such subordination and to lay the foundation of equality women too must be made economically independent
and must take an active role in all sectors of business today. To support such initiative the Government must provide some conditions which are suitable for the needs of women. Problems faced by women in the economic sphere of life are mostly relating to unequal wages and discrimination resulting from their biological role in nature of childbearing. To curb such problems and protect the economic rights of women the legislature introduced the Equal Remuneration Act 1976 and the Maternity Benefit Act of 1961. Maternity benefits were first recognized when the Maternity Protection Conference was held by the International Labour Organization in 1919. In a case in 1977, B. Shah v. P.O. It was held that women need to be withdrawn from the workforce during pregnancy and after the birth also they need the steady income for medical expenses etc. and therefore to preserve her health law should make provisions for maternity benefit so women can ensure their productivity as well as reproductivity. A maternity benefit is one that every woman shall be entitled to, and her employer shall be liable for, the payment of maternity benefit, which is the amount payable to her at the rate of the average daily wage for the period of her actual absence. The Maternity Benefit Act aims to regulate of employment of women employees in certain establishments for certain periods before and after childbirth and provides for maternity and certain other benefits. The Maternity Benefit Act is applicable all across the whole Union of India and is pertinent to every factory, mine or plantation including those belonging to Government, irrespective of the number of employees, and to every shop or establishment wherein 10 or more persons are employed or were employed on any day of the preceding 12 months. Women can claim benefits under the act everywhere except in factories and other establishments where the Employees State Insurance Act is applicable. Sec.2 of this Act lays down its applicability where it states that this act must be followed in all Governmental establishments such as factories, mines, and other plantations where people are employed for the exhibition of equestrian and acrobatic skills. Also it applies to shops or any state owned stores or markets where at least ten people are employed and the person must have been working for at least 12 months to avail of the maternity benefits.
INTRODUCTION
The object of maternity leave and benefit is to protect the dignity of motherhood by providing for the full and healthy maintenance of women and her child when she is not working. With the advent of modern age, as the
number of women employees is growing, the maternity leave and other maternity benefits are becoming increasingly common. But there was no beneficial piece of legislation in the horizen which is intended to achieve the object of doing social justice to women workers employed in factories, mines and plantation.
ACT 53 OF 1961
With the object of providing maternity leave and benefit to women employee the Maternity Benefit Bill was passed by both the Houses of Parliament and subsequently it received the assent of President on 12th December, 1961 to become an Act under short title and numbers "THE MATERNITY BENEFIT ACT, 1961 (53 OF 1961)". An Act to regulate the employment of women in certain establishments for certain period before and after child-birth and to provide for maternity benefit and certain other benefits.
3. The Maternity Benefit (Amendment) Act, 1973 (52 of 1973). 4. The Maternity Benefit (Amendment) Act, 1976 (53 of 1976). 5. The Maternity Benefit (Amendment) Act, 1988 (61 of 1988). 6. The Maternity Benefit (Amendment) Act, 1995 (29 of 1995).
2. Application of Act
(1) It applies in the first instance (a) to every establishment being a factory mine or plantation including any such establishment belonging to government and to every establishment wherein persons are employed for the exhibition of equestrian acrobatic and other performances; (b) to every shop or establishment within the meaning of any law for the time being in force in relation to shops and establishments in a State in which ten or more persons are employed or were employed on any day of the preceding twelve months : Provided that the State Government may with the approval of the Central Government after giving not less than two month's notice of its intention of so doing by notification in the Official Gazette declare that all or any of the provisions of this Act shall apply also to any other establishment or class of establishments industrial commercial agricultural or otherwise. (2) Save as otherwise provided in sections 5A and 5B nothing contained in this Act shall apply to any factory or other establishment to which the provisions of the Employees' State Insurance Act 1948 (34 of 1948) apply for the time being.
3. Definitions
3. In this Act unless the context otherwise requires -
(a) "appropriate government" means in relation to an establishment being a mine or an establishment wherein persons are employed for the exhibition of equestrian acrobatic and other performances the Central Government and in relation to any other establishment the State Government; (b) "Child" includes a still-born child; (c) "Delivery" means the birth of a child; (d) "Employer" means (i) in relation to an establishment which is under the control of the government a person or authority appointed by the government for the supervision and control of employees or where no person or authority is so appointed the head of the department; (ii) in relation to an establishment under any local authority the person appointed by such authority for the supervision and control of employees or where no person is so appointed the chief executive officer of the local authority; (iii) in any other case the person who or the authority which has the ultimate control over the affairs of the establishment and where the said affairs and entrusted to any other person whether called a manager managing director managing agent or by any other name such person; (e) "Establishment" means (i) a factory; (ii) a mine; (iii) a plantation; (iv) an establishment wherein persons are employed for the exhibition of equestrian acrobatic and other performance; (iva) a shop or establishment; or (v) an establishment to which the provisions of this Act have been declared under sub-section (1) of section 2 to be applicable; (f) "Factory" means a factory as defined in clause (m) of section 2 of the Factories Act 1948 (63 of 1948); (g) "Inspector" means an Inspector appointed under section 14; (h) "Maternity benefit" means the payment referred to in sub-section (1) of section 5;
(ha) "Medical termination of pregnancy" means the termination of pregnancy permissible under the provisions of Medical Termination of Pregnancy Act 1971; (i) "mine" means a mine as defined in clause (j) of section (2) of the Mines Act 1952 (35 of 1952); (j) "miscarriage" means expulsion of the contents of a pregnant uterus at any period prior to or during the twenty-sixth week of pregnancy but does not include any miscarriage the causing of which is punishable under the Indian Penal Code (45 of 1860); (k) "plantation" means a plantation as defined in clause (f) of section 2 of the Plantations Labour Act 1951 (69 of 1951); (l) "prescribed" means prescribed by rule made under this Act; (m) "State Government" in relation to a Union territory means the Administrator thereof; (n) "wages" means all remuneration paid or payable in cash to a woman if the terms of the contract of employment express or implied were fulfilled and includes (1) such cash allowances (including dearness allowance and house rent allowances) as a woman is for the time being entitled to (2) incentive bonus and (3) the money value of the concessional supply of foodgrains and other articles but does not include (i) any bonus other than incentive bonus; (ii) over-time earnings and any deduction or payment made on account of fines; (iii) any contribution paid or payable by the employer to any pension fund or provident fund or for the benefit of the woman under any law for the time being in force; and (iv) any gratuity payable on the termination of service; (o) "woman" means a woman employed whether directly or through any agency for wages in any establishment.
(1) No employer shall knowingly employ a woman in any establishment during the six weeks immediately following the day of her delivery miscarriage or medical termination of pregnancy. (2) No women shall work in any establishment during the six weeks immediately following the day of her delivery miscarriage or medical termination or pregnancy. (3) Without prejudice to the provisions of section 6 no pregnant women shall on a request being made by her in this behalf be required by her employer to do during the period specified in sub-section (4) any work which is of an arduous nature or which involves long hours of standing or which in any way is likely to interfere with her pregnancy or the normal development of the foetus or is likely to cause her miscarriage or otherwise to adversely affect her health. (4) The period referred to in sub-section (3) shall be (a) the period of one months immediately preceding the period of six weeks before the date of her expected delivery; (b) any period during the said period of six weeks for which the pregnant woman does not avail of leave of absence under section 6.
she has been laid off or was on holiday declared under any law for the time being in force to be holidays with wages during the period of twelve months immediately preceding the date of her expected delivery shall be taken into account. (3) The maximum period for which an woman shall be entitled to maternity benefit shall be twelve weeks of which not more than six weeks shall precede the date of her expected delivery: Provided that where a woman dies during this period the maternity benefit shall be payable only for the days up to and including the day of her death: Provided Further that where a woman having been delivered of a child dies during her delivery or during the period immediately following the date of her delivery for which she is entitled for the maternity benefit leaving behind in either case the child the employer shall be liable for the maternity benefit for that entire period but if the child also dies during the said period then for the days up to and including the date of the death of the child. 5A. Continuance of payment of maternity benefit in certain cases 5A. Every woman entitled to the payment of maternity benefit under this Act shall notwithstanding the application of the Employees' State Insurance Act 1948 (34 of 1948) to the factory or other establishment in which she is employed continue to be so entitled until she becomes qualified to claim maternity benefit under section 50 of that Act. 5B. Payment of maternity benefit in certain cases Every woman (a) who is employed in a factory or other establishment to which the provisions of the Employee's State Insurance Act 1948 (34 of 1948) apply; (b) whose wages (excluding remuneration for over-time work) for a month exceed the amount specified in sub-clause (b) of clause (9) of section 2 of that Act; and (c) who fulfils the conditions specified in sub-section (2) of section 5 shall be entitled to the payment of maternity benefit under this Act.
(2) In the case of a woman who is pregnant such notice shall state the date from which she will be absent from work not being a date earlier than six weeks from the date of her expected delivery. (3) Any woman who has not given the notice when she was pregnant may give such notice as soon as possible after the delivery. (4) On receipt of the notice the employer shall permit such woman to absent herself from the establishment during the period for which she receives the maternity benefit. (5) The amount of maternity; benefit for the period preceding the date of her expected delivery shall be paid in advance by the employer to the woman on production of such proof as may be prescribed that the woman is pregnant and the amount due for the subsequent period shall be paid by the employer to the woman within forty-eight hours of production of such proof as may be prescribed that the woman has been delivered of a child. (6) The failure to give notice under this section shall not disentitle a woman to maternity benefit or any other amount under this Act if she is otherwise entitled to such benefit or amount and in any such case an Inspector may either of his own motion or on an application made to him by the woman order the payment of such benefit or amount within such period as may be specified in the order.
at the rate of maternity benefit for a period of six weeks immediately following the day of her miscarriage or as the case may be her medical termination of pregnancy. 9A. Leave with wages for tubectomy operation In case of tubectomy operation a woman shall on production of such proof as may be prescribed be entitled to leave with wages at the rate of maternity benefit for a period of two weeks immediately following the day of her tubectomy operation.
10. Leave for illness arising out of pregnancy delivery premature birth of child miscarriage medical termination of pregnancy or tubectomy operation
A woman suffering from illness arising out of pregnancy delivery premature birth of child miscarriage medical termination of pregnancy or tubectomy operation shall on production of such proof as may be prescribed be entitled in addition to the period of absence allowed to her under section 6 or as the case may be under section 9 to leave with wages at the rate of maternity benefit for a maximum period of one month.
(b) Any woman deprived of maternity benefit or medical bonus or both or discharged or dismissed during or on account of her absence from work in accordance with the provisions of this Act may within sixty days from the date on which order of such deprivation on discharge or dismissal is communicated to her appeal to such authority as may be prescribed and the decision of that authority on such appeal whether the woman should or should not be deprived of maternity benefit or medical bonus or both or discharged or dismissed shall be final. (c) Nothing contained in this sub-section shall effect the provisions contained in sub-section (1).
notices required to be kept or exhibited by or under this Act and require their production for inspection; (b) examine any person who he finds in any premises or place and who he has reasonable cause to believe is employed in the establishment; Provided that no person shall be compelled under this section to answer any question or give any evidence tending to incriminate himself; (c) require the employer to give information regarding the names and addresses of women employed payments made to them and applications or notices received from them under this Act; and (d) take copies of any registers and records or notices or any portions thereof.
(4) The decision of the prescribed authority where an appeal has been preferred to it under sub-section (3) or of the Inspector where no such appeal has been preferred shall be final. (5) Any amount payable under this section shall be recoverable by the Collector on a certificate issued for that amount by the Inspector as an arrear of land revenue.
(i) the authority to which an appeal shall lie against the decision of the Inspector under section 17; the form and manner in which such appeal may be made and the procedure to be followed in disposal thereof; (j) the form and manner in which complaints may be made to Inspectors under sub-section (1) of section 17 and the procedure to be followed by them when making inquiries or causing inquiries to be made under sub-section (2) of that section; (k) any other matter which is to be or may be prescribed. (3) Every rule made by the Central Government under this section shall be laid as soon as may be after it is made before each House of Parliament while it is in session for a total period of thirty days which may be comprised in one session or in two or more successive sessions and if before the expiry of the session immediately following the session or the successive sessions aforesaid both House agree in making any modification in the rule or both Houses agree that the rule should not be made the rule shall thereafter have effect only in such modified form or be of no effect as the case may be; so however that any such modification or annulment shall be without prejudice to the validity of anything previously done under that rule.
30. Repeal
On the application of this Act (i) to mines the Mines Maternity Benefit Act 1941 (19 of 1941); and (ii) to factories situate in the Union territory of Delhi Bombay Maternity Benefit Act 1929 (Bombay Act VII of 1929); as in force in that territory shall stand repealed.
SECTION 12, 13
Appeal under section 12.-(1) An appeal under clause (b) of sub-section (2) of section 12 shall be preferred to the Competent Authority in Form 'G'. (2) The appeal may be made in writing and either handed over personally or sent under a registered cover to the Competent Authority. (3) When an appeal is received, the Competent Authority shall furnish a copy of the memorandum of appeal to the employer, call for his reply thereto and also ask him to produce documents connected with the issue of the appeal by a fixed date. The Competent Authority may ascertain further details, if necessary, from the employer as well as from the woman. On considering the facts presented to him and ascertained by him the Competent Authority shall give his decision. In case the employer fails to submit his reply or produce the required documents within the specified period, the Competent Authority may give his decision exparte Complaint under section 17.-(1) A complaint under sub-section (1) of section 17 shall be made in writing in Form 'H', or 'I' as the case may be. (2) When a complaint referred to in section 17 is received by an Inspector, he shall examine the relevant records maintained by the employer in this behalf, examine any person employed in 1[the mine or circus] and take down necessary statement for the purpose of the, enquiry and if he is satisfied that the maternity benefit or the amount has been improperly withheld, he shall direct the employer to make the payment to the woman or to the person claiming the payment under section 7, as the case may be, immediately or within a specified period. Appeal under section 17.-(1) An appeal against the decision of the Inspector under sub-section (2) of section 17, shall lie to the Competent Authority . (2) The aggrieved person shall prefer an appeal in writing to the Competent Authority in Form 'J' and file other supporting documents. (3) When an appeal is received, the Competent Authority shall call from the Inspector before a fixed date, the record of the case. The Competent Authority shall, if necessary, also record the statements of the aggrieved person, and of the Inspector and seek clarification if any is required. (4) Taking into account the documents, the evidence produced before him and the facts presented to him or ascertained by him, the Competent Authority shall give his decision. Supply of forms:- The employer shall supply to every woman employed by him at her request free of cost copies of Forms 'B', 'C', 'D', 'E', 'F', 'G', 'H' and 'I'. Non-submission of notices, appeals or complaints in the prescribed
forms.- Nothing in rules 5,9 and 10 shall affect the right of a woman entitled to receive maternity benefit or any other amount due under the Act if she fails to submit a notice, appeal or complaint under the said rules, as the case may be, in a prescribed form: Provided that where a notice, appeal or complaint under the said rules has been submitted by a woman entitled to receive maternity benefit or any other amount due under the Act in a form other than the prescribed form, the authority concerned may, within 15 days of the receipt of such notice, appeal or complaint require the woman to submit the notice, appeal or complaint, as the case may be, in the prescribed form. Records.-Records kept under the provisions of the Act and these Rules shall be preserved for a period of two years from the date of their preparation. Abstract.- The abstract of the provisions of the Act and these rules required to be exhibited under section 19 shall be in Form 'K' and shall be exhibited in such manner as the Competent Authority may require. Annual returns.-(1) The employer of 1[every mine or circus] shall on or before the 21st day of January in each year submit to the Competent Authority a return in each of the Forms 'L', 'M', 'N' and 'O' giving information as to the particulars specified in respect of the preceding year. (2) If the employer of 1[a mine or circus] to which the Act applies sells, abandons or discontinues the working of 1[the mine or circus] he shall, within one month of the date of sale or abandonment or four months of the date of discontinuance, as the case may be, submit to the Competent Authority a further return in each of the said forms in respect of the period between the end of the preceding year and the date of sale, abandonment or discontinuance.
3. Under the Maternity Benefit Act, 1961, women employees are entitled to maternity benefit at the rate of average daily wage for the period of their actual absence up to 12 weeks due to the delivery. In cases of illness arising due to pregnancy, etc., they are entitled to additional leave with wages for a period of one month. They are also entitled to six weeks maternity benefit in case of miscarriage. The Maternity Benefit Act, 1961 also makes certain other provisions to safeguard the interest of pregnant women workers. 4. Section 8 of the Maternity Benefit Act, 1961 provides that every woman entitled to maternity benefit shall also be entitled to receive from her employer medical bonus of Rs. 250, if no pre-natal confinement and post-natal care is provided for by the employer free of charge. 5. In the present economic scenario, it is felt that the medical bonus, which is presently Rs. 250/-, is inadequate. Therefore, it is proposed (i) to raise the medical bonus payable under the Maternity Benefit Act, 1961 from Rs. 250/- to Rs. 1000/-; and (ii) to give powers to the Central Government to revise medical bonus from time to time subject to a maximum of Rs. 20,000/-. 6. The Bill seeks to achieve the above objects.
FINANCIAL MEMORANDUM
The Maternity Benefit Act, 1961 regulates the employment of women in factories, mines, the circus industry, plantations and shops or establishments employing 10 or more persons except the employees who are covered under the Employees' State Insurance (ESI) for certain periods before and after child-birth and provides for maternity and other benefits. 2. Section 8 of the Maternity Benefit Act, 1961 provides that every woman entitled to maternity benefit shall also be entitled to receive from her employer medical bonus of Rs. 250 if no pre-natal confinement and post-natal care is provided for by the employer free of charge. Clause 2 of the Bill seeks (i) to raise the Medical Bonus payable under the Maternity Benefit Act, 1961 from Rs. 250 to Rs. 1000; and
(ii) to give powers to the Central Government to revise medical bonus from time to time subject to a maximum of Rs. 20,000. The proposed provisions will ensure payment of medical bonus on comparatively higher rates than existing rates. 3. The above-mentioned proposals in their application to the women employed in factories, mines, the circus industry, plantations and shops or establishments will involve increased expenditure on employers by way of payment of medical bonus. Every woman entitled to maternity benefit shall also be entitled to receive from her employer the enhanced medical bonus, if no pre-natal confinement and post-natal care is provided for by the employer free of charge. 4. The Bill does not involve any expenditure, whether recurring or nonrecurring.
immediately preceding the date of her expected delivery: Provided that the qualifying period of 2[eighty days] aforesaid shall not apply to a woman who has immigrated into the State of Assam and was pregnant at the time of the immigration. Explanation.-For the purpose of calculating under the sub-section the days on which a woman has actually worked in the establishment 3[the days for which she has been laid off or was on holidays declared under any law for the time being in force to be holidays with wages] during the period of twelve months immediately preceding the date of her expected delivery shall be taken into account. 3[(3) The maximum period for which any woman shall be entitled to maternity benefit shall be twelve weeks of which not more than six weeks shall precede the date of her ex delivery:] Provided that where a woman dies during this period, the maternity benefit shall be payable only for the days up to and including the day of her death: 3[provided further that where a woman, having been delivered of a child, dies during her delivery or during the period immediately following the date of her delivery for which she is entitled for the maternity benefit, leaving behind in either case the child, the employer shall be liable for the maternity benefit for that entire period but if the child also dies during the said period, then, for the days up to and including the date of the death of the child.]
CASE STUDIES
Case 1:
One of the female experienced candidate has joined co. as Marketing Manager 10 days back, yesterday she has disclosed that she is on her family way (4th Month Pregnant), she is on probation period, Is the co. Liable for Maternity benefit for that woman employee. ANSWER No she is not eligible for maternity benefit as qualifying period for availing same is 80 day.
Case 2: Ive just discovered Im pregnant and Im working full time. What maternity benefits am I entitled to at work?
Motherhood is a truly special experience and organisations are waking up to the need of providing necessary support as well as medical benefits to their women employees. As more and more women join the workforce, such benefits are but a step to ensure that a woman employee does not have to sacrifice her career to fulfill her role as a mother.
Larger public sector undertakings (PSUs), public and private sector banks, the IT/ITES sector, and other multinational companies are generally sensitive to the needs of their female staff especially when they are pregnant. Such organisations have provisions for maternity leave which may vary from three to six months.
Some even allow young mothers to extend their maternity leave to a year (without pay of course) depending on how long the employee has been associated with the organisation. Some organisations, especially in the IT sector, allow their women employees to work from home for a limited period of time. They also provide day care facilities for the young children of employees as well.
A good HR policy for the women employees will ensure that they receive maternity as well as other health benefits including group medical insurance cover. Check with the HR department of your organisation to find out more about your company policy on maternity leave.
Under the provisions of the Maternity Benefits Act, you are entitled to maternity benefits at an average daily wage for a period of six weeks from a day before your delivery to six weeks following that day.
The average daily wage is calculated on the basis of your daily wages during the period of three calendar months immediately preceding the date you absented yourself on account of maternity, or the minimum wage rate, whichever is higher.
To be eligible you should have worked for not less than 160 days in the 12 months immediately prior to the date of your expected delivery.
You are entitled to a maximum period of 12 weeks as maternity benefit. In the unfortunate event of a miscarriage, you must provide relevant proof of the miscarriage to avail the medical benefits.
Another important provision under the Maternity Benefits Act is that if you are ill on account of your pregnancy or if you have delivered prematurely, you are entitled to a maximum period of one month in addition to your maternity leave.
the unlikely event of your being discharged or dismissed from service you are still entitled to medical bonus.
If medical benefits have been denied you may, within sixty days from the date of which the order was communicated, appeal to a relevant authority.
However, you must remember that if you report back to work during the period when you are entitled to maternity benefit you automatically forfeit your claim to maternity benefit during that period.
An employer who violates the provisions of the Maternity Benefits Act is liable to imprisonment up to three months or fine up to Rs.5000/- (five thousand) or both.
Since maternity is not an unexpected risk, most insurance companies dont cover pregnancy. However, maternity insurance is covered under a group insurance policy. Most group insurance policies cover all hospitalisation charges and pre and post delivery hospital stay for 60 days. Some insurance companies also cover the pre and post-delivery charges. However, insurance companies do not cover routine monthly checkups and medical termination of pregnancy within 12 weeks of pregnancy. You can avail maternity insurance only after a minimum coverage period of nine months under the group insurance scheme.