Help your Helper : Rajeev Gandhi Jeevandayee Arogya Yojana  

 

A happy domestic helper goes a long way in taking care of your home needs and the needs of your family members.

While we do take care of financial needs of our domestic helpers by means of salary, Annual bonuses etc. we can also help them in getting registered in various government schemes for facilitating medical care (Surgeries, Consultations etc.)

Any emergency for the helper directly impacts us. Apart from the leave of absence in most cases the helper asks for advance salary to meet the immediate expenses of any illness,Medical emergency  in the family etc.

We can reduce this impact by helping and enrolling the domestic helper and their entire families in various government Medical schemes launched especially for this segment.

Government of Maharashtra has launched the Rajeev Gandhi Jeevandayee Arogya Yojana which facilitates free quality critical medical care for low income families.

 

The scheme details are as below :

 

OBJECTIVE: To improve access of Below Poverty Line (BPL) and Above Poverty Line (APL) families (excluding White Card Holders as defined by Civil Supplies Department) to quality medical care for identified speciality services requiring hospitalization for surgeries and therapies or consultations through an identified Network of health care providers.

 

SCHEME: Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) has been implemented throughout the state of Maharashtra in phased manner for a period of 3 years. The insurance policy/coverage under the RGJAY can be availed by eligible beneficiary families residing in all the 35 districts of Maharashtra Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai and Mumbai Suburban, Akola, Buldhana, Yavatmal, Washim, Aurangabad, Beed, Hingoli, Jalna, Latur, Osmanabad, Parbhani, Thane, Ratnagiri, Sindhudurga, Bhandara, Chandrapur, Gondia, Nagpur, Wardha, Ahmednagar, Jalgaon, Nadurbar, Nashik, Kolhapur, Pune, Sangli, Satara.

 

BENEFITS: The scheme entails around 971 surgeries/therapies/procedures along with 121 follow up packages in following 30 identified specialized categories.

 

Please visit the official government site https://www.jeevandayee.gov.in for added details and how to guide your helper for registering in the scheme.

 

Police Verification of Helpers ( Maids,Cooks,Babysitter,Nanny,Driver)

Are you looking to hire a full time or part time Maid, Cook, Babysitter, Nanny or Driver?

Have you considered getting a background check and police verification of your helper before hiring?

If not then we would strongly advise you to get the Police verification of your helper done at the earliest at the nearest police station to your residence.

Most of the times we think that police verification process is a hassle best avoided.

However in case a crime, theft etc. has been committed by any helper hired by you the police have a greater chance of catching them in case police verification has been done before hand.

Please read some important points below

  • Majority of the offences committed by the persons are known to the victims – servant, watchman, craftsman etc.
  • Criminals are generally not on police record.
  • Sometime Helpers information is not provided to Police for fear of losing them.
  • Anyone whose police verification has been done and data is available with the police will think twice before committing any crime.

DO’S AND DON’TS FOR YOU:

  • Employ a servant after verifying his real name, native address, All ID Proofs etc. with the help of the nearest Police Station. In some states police have started using Biometric(Fingerprint) record keeping also.
  • Keep a record of the current local address of the helper. If possible visit their local address.
  • Keep a photocopy of all ID proofs of the helper.
  • Keep a recent Colour Photograph set of the Helper.
  • Never discuss financial matters in front of your Household help.
  • It is always safe to deposit your valuables in safe deposit vault of any Bank.
  • Treat your helper in a humane way to build loyalty.
  • Ask for previous employer references even if the domestic help is coming through word of mouth referral or through a domestic help agency. Call the previous employers and ask questions to confirm and learn more.
  • Do not allow any of the relatives or friends of your helper to visit your house. If at all he has any frequent visitor, get his antecedents checked from police and try to keep the number of such persons.
  • Never leave spare keys in open or in the conventional hiding places.

With inputs from https://mumbaipolice.maharashtra.gov.in

 

 

Help your Domestic Helper : Pradhan Mantri Suraksha Bima Yojana

Help your Helper : Pradhan Mantri Suraksha Bima Yojana

A happy domestic helper goes a long way in taking care of your home needs and the needs of your family members.

While we do take care of financial needs of our domestic helpers by means of salary,Annual bonuses etc we can also help them in getting registered in various government schemes for financial inclusion.( Banking,Insurance,Mediclaim ).

This will help the domestic helpers in the following ways

  • Help in availing banking services for savings,Pension,Overdraft etc.
  • Help in getting Life Insurance,Accident insurance.
  • Medical Facilities for surgeries etc.

Any emergency for the helper directly impacts us. Apart from the leave of absence in most cases the helper asks for advance salary to meet the immediate expenses of any illness,death in the family etc.

We can reduce this impact by helping and enrolling the domestic helper and their entire families in various government schemes launched especially for this segment.

In addition to basic scheme launched for financial inclusion –  Pradhan Mantri Jan dhan Yojana ( PMJDY ) the government has also launched other ambitious social security schemes which enable every individual to be a part of Banking,Insurance,Pension services.

In pursuance of the scheme the government has launched The Pradhan Mantri Suraksha Yojana (PMJJBY) for Accident Insurance cover :

The details are mentioned below.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

In light of the fact that a large proportion of the population have no accidental insurance cover, the Pradhan Mantri Suraksha Bima Yojana (PMJJBY) is aimed at covering the uncovered population at an highly affordable premium of just Rs.12 per year. The Scheme will be available to people in the age group 18 to 70 years with a savings bank account who give their consent to join and enable auto-debit on or before 31st  May for the coverage period 1st  June to 31st  May on an annual renewal basis.

Under the said scheme, risk coverage available will be Rs. 2 lakh for accidental death  and  permanent  total  disability  and  Rs.  1  lakh  for  permanent  partial disability, for a one year period stretching from 1st June to 31st May. It is offered by Public Sector General Insurance Companies or any other General Insurance Company who are willing to offer the product on similar terms with necessary approvals and tie up with banks for this purpose. Participating Bank will be the Master policy holder on  behalf  of  the  participating  subscribers.  It will be the responsibility   of   the participating  bank   to  recover   the   appropriate  annual premium in one instalment, as per the option, from the account holders on or before the due date through ‘auto-debit’ process and transfer the amount due to the insurance company.

Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium, subject to conditions. Further, in order to assure a hassle free claim settlement experience for the claimants a simple and subscriber friendly administration & claim settlement process has been put in place.

To  ensure  that  the  benefits  of  this  scheme  is  brought  to  every  uninsured individual, who holds a bank account, wide   publicity was given for this social security measure through electronic media, radio, posters, newspapers advertisements etc. Enrollment forms were widely distributed. Highly publicised Enrollment   camps   were   conducted   by   Banks,   and   Insurance   Companies, mobilising the entire net work of SLBC Co ordinators, state and district level nodal officers, agents and banking correspondents, thereby fully utilising the reach of these channels, for attracting large scale enrolment in the scheme.

Between the date of commencement of enrolment on 01st  May till the date of launch of the scheme by the PM on 9th May, 4.42 Crore subscribers were enrolled in the PMJJBY scheme.

The simplified procedures and the documentary requirements and the procedures to be followed in case of a claim under the policy has been widely publicised through posters and advertisements at every location and point of contact which a claimant is likely to get in touch in case of an accident resulting in a claim under the scheme.

An IT enabled, web based system is in the process of being established to keep the claimants informed seamlessly about the progress and status of the claim, till it’s settlement.

Claim settlement will be made to the bank account of the insured or his nominee in case of death of the account holder.

The enrolment drive is continuing without loss of momentum till date. As on 31st May,  that  is,  on  the  eve  of  commencement  date  of  the  policy,  the  number enrolled under PMSBY scheme had reached 7.29 Crores.

Immediately after the close of the first phase of enrolments, banks have started the process of auto debit of premium in the accounts of the enrolees and remittance  of  premium  to  the  insurers.  So  far  premium  has  been  debited  to around 65% of the accounts.

The enrollment is open till 31st  August and the drive is continuing. Till 18th  June

2015 the number of enrolled under PMSBY stands at 7.68 Crore.

The scheme is expected to serve the goal of financial inclusion by achieving penetration of insurance down to the weaker sections of the society, ensuring their or their family’s financial security, which otherwise gets pulled to the ground in case of any unexpected and unfortunate accident.

 

 

Source : www.jansuraksha.gov.in

 

Help your Domestic Helper : Pradhan Mantri Jeevan Jyoti Bima Yojana

Help your Helper : Pradhan Mantri Jeevan Jyoti Bima Yojana

A happy domestic helper goes a long way in taking care of your home needs and the needs of your family members.

While we do take care of financial needs of our domestic helpers by means of salary,Annual bonuses etc we can also help them in getting registered in various government schemes for financial inclusion.( Banking,Insurance,Mediclaim ).

This will help the domestic helpers in the following ways

  • Help in availing banking services for savings,Pension,Overdraft etc.
  • Help in getting Life Insurance,Accident insurance.
  • Medical Facilities for surgeries etc.

Any emergency for the helper directly impacts us. Apart from the leave of absence in most cases the helper asks for advance salary to meet the immediate expenses of any illness,death in the family etc.

We can reduce this impact by helping and enrolling the domestic helper and their entire families in various government schemes launched especially for this segment.

In addition to  basic scheme launched for financial inclusion –  Pradhan Mantri Jan dhan Yojana ( PMJDY ) the government has also launched other ambitious social security schemes which enable every individual to be a part of Banking,Insurance,Pension services.

In pursuance of the scheme the government has launched The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) for Life Insurance cover :

The details are mentioned below.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

The Pradhan MantriJeevanJyotiBimaYojana (PMJJBY) is a one year life insurance scheme, renewable from year to year, offering coverage for death due to any reason and is available to people in the age group of 18 to 50 years( life cover upto age 55) having a savings bank account who give their consent to join and enable auto-debit. The risk cover on the lives of the enrolled persons has commenced from 1st June 2015.

Under PMJJBY scheme, life cover of Rs. 2 lakhs is available for a one year period stretching from 1st June to 31st May at a premium of Rs.330/- per annum per member and is renewable every year. It is offered / administered through LIC and other Indian private Life Insurance companies. For enrolment banks have tied up with insurance companies. Participating Bank is the Master policy holder.

The assurance on the life of the member shall terminate on any of the following events and no benefit will become payable there under:

1)   On attaining age 55 years (age near birth day) subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years).

2)   Closure of account with the Bank or insufficiency of balance to keep the insurance in force.

3)   A person can join PMJJBY with one Insurance company with one bank account only.

Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium and submitting a self-declaration of good health.

Initial enrolment period in the scheme was from 1st May to 31st May ‘2015, which has now been extended up to 31st  Aug’ 2015, by this date eligible persons can join the scheme without giving self-certification of good health, even though eligible persons can join the scheme  on  any  date  by  paying  the  premium  for  full  year.  In case  of  claim  the nominees/heirs of the insured person have to contact respective bank branch where the insured person was having bank account. A death certificate and simple claim form is required to submit and the claim amount will be transferred to nominees account.

Source : www.jansuraksha.gov.in

DO’s and DONT’S WHILE HIRING A DRIVER

Driving on congested roads has a lot to do with skills and temperament. Hiring an adept driver makes us breathe easy on the roads. There are some key factors we should consider while hiring a driver.

  • The driver should be familiar with the geographic layout of the area- lanes, by-lanes, one way roads, etc. – to be able to take you to your destination in the shortest possible time.
  • Background check,Police Verification and test drive are crucial factors to consider before hiring. Check the employment history of the driver and confirm with references, if possible. While on a test drive, check how the driver handles your car from inside – gear, clutch, and steering wheel – and on the road.
  • Clearly explain your expectations i.e. He should not drive rashly,Over speed,Cut lanes etc and maintain good hygiene of the vehicle.
  • Check the original driving license and a photo ID with address when you are interviewing the driver and ask for a photo copy of these documents.
  • Do not forget to have a clear agreement on the salary, hours of service, extra-time and holidays.
  • Hire the driver for a temporary period, a month or so, to check their driving skills and temperament. Confirm them permanently only once you are comfortable.

 

 

 

DO’S AND DONT’S IN HIRING A CARPENTER, PLUMBER OR ELECTRICIAN

Running a household is a challenging task; there is always something that needs to be fixed. A broken chair, a leaking tap, wiring gone wrong, you are constantly looking for a handyman such as carpenter, plumber or electrician.

  • When hiring one of these folks always ensure that you confirm their services charges based on the requirement. It could be a minimum visiting charge or daily wages or job based labour charge.
  • Identify required raw materials upfront or after discussion with the helper and buy them yourself from the local hardware store. Always check for product guarantee/warranty from the shopkeeper before making the purchase.
  • Do not leave the house unattended even for a few minutes while there is a plumber, carpenter or an electrician on the job. Stow away cash and valuables before you let them into the house.

DO’S AND DONT’S IN HIRING A BABYSITTER

Your child is your biggest treasure. You want to always be with them and give them the best care. This may not always be possible, especially for working mothers. Often times, wantingly or unwantingly, you have to hire someone external to take care of your little one. Hence, you need to exercise extra caution and attention while hiring a babysitter or nanny. A babysitter needs to have additional character and personality traits, over and above regular requirements, to be able to take good care of children and provide the right support that you are looking for.

  • A babysitter with previous experience in handling kids is always preferred by most mothers. An important question that often gets missed is the age of the child(ren) that the babysitter managed. Kids of different age groups have different requirements. Hence, a babysitter with previous experience with the same age group should be preferred over others.
  • Cleanliness, loves for kids, patience and calm personality are some of the fundamental requirements that you should look for when hiring a babysitter.
  • Have an understanding of the salary in your locality and offer competitive remuneration. Salary should be in-line with the tasks that the babysitter needs to perform.
  • Clearly outline the tasks that the babysitter needs to perform on the job, such as – cooking for the child(ren), cleaning the nursery, bathing and grooming kids, potty cleaning, taking kids to the park, etc.
  • The annual and monthly holiday plan that the babysitter is entitled to should be aligned to your work schedule and convenience.  If you are hiring a part time babysitter have a clear agreement on the timings.
  • Always keep a copy of photo ID and address and conduct police verification as soon as you hire a babysitter. Make this a condition for hiring a babysitter.
  • You are handing over your bundle of joy to an unknown person; do not judge a book by its cover, always observe the babysitter. Keep a keen eye on your child(ren), observe how they respond to the babysitter. Are they happy when the babysitter is around? Do they want to play with them? Or, do they cringe or cry when they see the babysitter? Your child gives you clear signals, do not ignore them.
  • Do not hire a maid who is not respectful to you and your family members or is not diligent with kids.
  • Refrain from discussing personal details and whereabouts of jewelry or cash in the house infront of the babysitter.
  • Start with a temporary arrangement, for a month or so, and observe how the kids adapt to the babysitter. Once you are sure of the person’s competency confirm them permanently

DO’s and DONT’S WHILE HIRING A COOK

A good meal brings a smile to the face and contentment to the heart. The cook who prepares meals is a very important part of our daily lives. A good meal is driven by your choices and liking. Hence, it is important that we hire the right person to prepare the meals.

As you hire a cook consider the following tips to ensure that your household functions smoothly.

  • Have an agreement on the timing. Ensure the cook is clear on acceptable timelines, the agreed time slot, by when He/she needs to arrive for work.Do not hire a cook who does not confirm a time slot basis your requirement.
  • For non-vegetarians, always confirm the type of meat, such as chicken, mutton, etc. that will need to be cooked.
  • Explain the hygiene essentials that need to be maintained for using utensils, cooking and cleanliness after cooking.
  • Spend time in explaining how want your food to be prepared. Share details on the type of food, cuisines, spiciness, use of oil/ghee, etc.
  • Always check on salary around your area/locality. Offer competitive salary based on the agreed services. Yearly bonus and increments also need to be agreed upon before hiring.
  • Have an agreement on the number of holidays the cook can take in a week/month/year. Emphasize  the requirement to provide advance notice before taking leave or holiday.
  • If you are hiring a full time cook, ensure that you get the background checked through police verification. Make sure you have discussed this before hiring. Do not hesitate or delay in collecting all relevant documents from the maid once she starts working.
  • Keep a copy of a photo ID- such as Ration Card, Aadhar Card, etc.- with contact address of the cook with yourself.
  • If you stock grocery, don’t give the cook Unlimited access to the supply. Have them refill exhausted materials through you only.
  • Do not lose track of household goods stocked in the kitchen. Always keep an eye on the quantity of materials used by the cook.
  • Do not share with the cook where you keep cash or jewelry in the house

DO’s and DONT’S WHILE HIRING A MAID

In today’s fast paced world as we focus on work and other aspects of life,tasks which were considered banal-such as cleaning and mopping, have become an important chore. Maids help keep our house clean and run household chores.

While there is no guarantee that a maid once hired will actually make your life easier, there are some tips one should follow while hiring to avoid ambiguity and unpleasantness.

  • Have a candid discussion on the time slot. Ensure the maid is clear on acceptable timelines, the agreed time slot by when He/she needs to arrive for work.Do not hire a maid who gives vague commitment on time slot.
  • Spend time in explaining the tasks that need to be done on a daily basis/weekly basis/monthly basis. Ensure that the tasks are explained in details. Also, be clear on what the maid is not supposed to or will not do
  • Always check on salary around your area/locality. Offer competitive salary based on the agreed services. Yearly bonus and increments also need to be agreed upon before hiring.
  • Have an agreement on the number of holidays the maid can take in a week/month/year. Emphasize  the requirement to provide advance notice before taking leave or holiday.
  • Ensure that you get the background checked through police verification. Make sure you have discussed this before hiring. Do not hesitate or delay in collecting all relevant documents from the maid once she starts working.
  • Keep a copy of a photo ID- such as Ration Card, Aadhar Card, etc.- with contact address of the maid with yourself.
  • If there are kids or infants in the house, ensure minimum hygiene standards are explained and agreed upon.
  • If you are a working mother then install a remote CCTV/Camera to keep a vigil on your child while the maid is at home.
  • Do not neglect the importance of diligence once the maid is hired. Always keep a keen eye on her activities while He/she is at home
  • Do not share with the maid where you keep cash or jewelry in the house.