Bina Mulya Samajik Suraksha Yojana (BMSSY) — for unorganised workers
Labour Department, Government of West Bengal
Overview
Bina Mulya Samajik Suraksha Yojana (BM-SSY) gives free social security to unorganised-sector workers in West Bengal, including the self-employed. No premium is payable; the government pays the full provident fund contribution.
Death assistance is Rs 50,000 for natural death and up to Rs 2,00,000 for accidental death. Disability compensation ranges from Rs 50,000 to Rs 2,00,000.
Unorganised workers aged 18 to 60 in listed occupations, with family income within Rs 6,500 a month (this limit does not apply to construction and transport workers), can register online on the BM-SSY portal or at Regional Labour Offices and Labour Welfare Facilitation Centres at blocks and municipalities.
At a glance
- Administering authority
- Labour Department, Government of West Bengal
- Scheme type
- Social Security, Employment & Skills
- Place of posting / area
- West Bengal
- Application mode
- Online and offline
- Important dates
- Applications accepted year-round
Benefits
- Rs 50,000 on natural death
- Up to Rs 2,00,000 on accidental death
- Rs 50,000 to Rs 2,00,000 for disability
- Full provident fund contribution paid by the government
- Entirely free — no premium
Eligibility
- Aged 18 to 60
- Resident of West Bengal
- Unorganised-sector worker (including self-employed) in a listed occupation
- Family income within Rs 6,500 a month (except construction and transport workers)
How to apply
- Apply online on the BM-SSY portal, or at a Regional Labour Office or Labour Welfare Facilitation Centre at the block/municipality
- Enter personal, occupational and nominee details
- Submit documents and complete registration
- The authorities verify and approve enrolment
- You receive a registration ID/card and SSIN, used to access benefits
Last updated: 1 Nov 2026
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