₹6.5 Lakh Government Benefit for Labour Card Holders – Full Details 2025
The Government of India and several state governments have introduced multiple welfare schemes for labour card holders, ensuring that workers in unorganized and construction sectors receive financial, social, and health benefits. One of the most significant benefits is the financial assistance and insurance coverage of up to ₹6.5 lakh. This initiative aims to improve the lives of daily wage workers, construction workers, and unorganized sector employees, who often lack access to social security.
This article explains in detail how labour card holders can claim benefits up to ₹6.5 lakh, what schemes are included, who is eligible, and how to apply.
Understanding the Labour Card
A labour card, often issued by state labour welfare boards or the Building and Other Construction Workers’ Welfare Board (BOCW), serves as an identity and eligibility document for workers to avail government schemes. It contains details such as the worker’s name, age, employment category, address, and registration number.
The main purpose of issuing a labour card is:
- To provide social and financial security to workers in the unorganized sector.
- To make workers eligible for central and state government welfare schemes.
- To ensure insurance, pension, healthcare, education support, and housing benefits for families of workers.
Why ₹6.5 Lakh Government Benefit is Important
Most construction and unorganized sector workers have irregular incomes, no fixed salary, and limited access to savings. In case of accidents, illness, or death, their families face severe financial hardships. The ₹6.5 lakh government benefit provides:
- Life Insurance – Financial support to family members in case of the worker’s death.
- Accidental Insurance – High compensation in case of death or disability due to accidents.
- Medical Benefits – Coverage for hospitalisation and treatment costs.
- Education Benefits – Scholarships for children of labour card holders.
- Maternity and Social Security Benefits – Financial help for women workers during pregnancy, marriage assistance, and pension schemes.
Together, these schemes can provide benefits worth up to ₹6.5 lakh over a worker’s lifetime.
Major Components of ₹6.5 Lakh Benefit
The total benefit of ₹6.5 lakh is not given as a lump sum from a single scheme but is a combined value of multiple benefits under different central and state government initiatives. Some of the key schemes include:
1. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- Life insurance coverage of ₹2 lakh.
- Premium: ₹330 per year, often subsidized or covered under labour welfare funds.
- Available for workers aged 18 to 50.
2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- Accidental insurance coverage of ₹2 lakh for accidental death or permanent disability.
- Coverage of ₹1 lakh for partial disability.
- Premium: ₹12 per year, often waived for registered labour card holders.
3. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
- Medical coverage up to ₹5 lakh per family per year.
- Labour card holders are automatically eligible under this health insurance scheme.
4. State Welfare Board Benefits
Every state has its own labour welfare schemes under BOCW Boards. Some of the benefits include:
- Education scholarships for children (₹10,000 to ₹50,000 depending on course).
- Maternity assistance (₹20,000 to ₹30,000).
- Marriage assistance (₹50,000 to ₹1,00,000 for daughters of registered workers).
- Pension for registered labourers after 60 years of age.
- Funeral assistance (₹20,000 to ₹50,000).
Eligibility for Labour Card Benefits
To claim benefits up to ₹6.5 lakh, workers must fulfill certain conditions:
- Type of Worker
- Must be a construction worker, daily wage labourer, or employed in the unorganized sector.
- Some schemes are open to factory workers and registered contract workers as well.
- Age Criteria
- Minimum: 18 years.
- Maximum: 60 years (some schemes allow registration till 55).
- Work Experience
- Proof of at least 90 days of work in the previous year in the unorganized sector is often required.
- Documents Required
- Aadhaar Card.
- Ration Card or Residence Proof.
- Bank Account details.
- Age proof (Birth certificate, school certificate, or Aadhaar).
- Passport size photographs.
- Proof of employment (affidavit, employer certificate, or self-declaration).
How the Benefit Amount Reaches ₹6.5 Lakh
Here is a breakdown of how different schemes together ensure a financial safety net worth ₹6.5 lakh or more:
- Life Insurance under PMJJBY – ₹2,00,000
- Accidental Insurance under PMSBY – ₹2,00,000
- Medical coverage under Ayushman Bharat – ₹5,00,000 per family annually
- State Welfare Schemes (scholarships, marriage, maternity, pension, funeral support, etc.) – ₹50,000 to ₹1,50,000
Thus, combining central and state schemes, labour card holders and their families can receive direct and indirect benefits amounting to ₹6.5 lakh or more.
Application Process for Labour Card
- Registration at Labour Department or BOCW Office
- Visit the local labour welfare office or online state labour portal.
- Submit the filled application form with required documents.
- Verification
- The labour department verifies age, employment, and residence details.
- In some cases, an inspector may visit the workplace for verification.
- Approval and Card Issue
- Once verified, the labour card is issued within a few weeks.
- Workers can then apply for insurance, health, education, and other benefits.
- Renewal
- Labour cards must be renewed every 1 to 3 years, depending on the state.
- Renewal ensures continuous access to government benefits.
Benefits in Detail
1. Health Benefits
Labour card holders receive free health check-ups, medical aid, and treatment under government hospitals. Ayushman Bharat scheme ensures cashless treatment up to ₹5 lakh for surgeries, hospitalisation, and chronic illnesses.
2. Education Benefits
Children of labour card holders get scholarships ranging from ₹1,000 to ₹25,000 depending on the level of education. For professional courses like engineering, medicine, or law, scholarships may go up to ₹50,000.
3. Housing Benefits
Several states provide financial aid for house construction under schemes like Pradhan Mantri Awas Yojana (PMAY). Labour card holders are given priority in sanctioning houses and subsidies.
4. Social Security Benefits
- Maternity Assistance: Women workers get financial help during pregnancy.
- Marriage Assistance: Aid for the marriage of daughters of workers.
- Funeral Assistance: Lump sum for funeral expenses in case of death.
- Old-age Pension: Monthly pension after retirement age.
5. Skill Development and Training
Registered workers are eligible for free training under government programs, enabling them to upgrade skills and improve earning capacity.
Importance of Labour Welfare Schemes
- Reduces Poverty – Financial support prevents workers’ families from falling into extreme poverty.
- Provides Social Security – Insurance, pension, and maternity benefits provide security in difficult times.
- Encourages Education – Scholarships motivate children of workers to pursue higher education.
- Improves Healthcare Access – Free medical care reduces healthcare burden.
- Boosts Employment and Productivity – With skill development, workers can get better jobs.
Challenges in Implementation
While benefits of ₹6.5 lakh are available on paper, several challenges remain:
- Lack of awareness among workers about labour cards and schemes.
- Complicated application procedures in some states.
- Delays in verification and approval.
- Irregular renewal of labour cards.
- Middlemen exploiting workers by charging money for applications.
To overcome these issues, governments are promoting online registration, awareness camps, and simplified documentation.
Steps for Workers to Maximize Benefits
- Register Early – Apply for a labour card as soon as you become eligible.
- Update Records – Ensure details such as name, age, and bank account are correct.
- Renew on Time – Do not miss renewal deadlines to avoid interruption in benefits.
- Use Health Schemes – Carry Ayushman Bharat card during hospital visits.
- Apply for Scholarships – Encourage children to pursue higher studies using available scholarships.
- Claim Insurance – In case of accidents, promptly claim PMSBY and PMJJBY benefits.
Important Links (State-wise Labour Board Portals)
| State | BOCW Welfare Board Portal |
|---|---|
| Karnataka | https://klwbapps.karnataka.gov.in |
| Tamil Nadu | https://labour.tn.gov.in |
| Maharashtra | https://mahabocw.in |
| Telangana | https://labour.telangana.gov.in |
| Andhra Pradesh | https://ap.meeseva.gov.in |
| Uttar Pradesh | http://upbocw.in |
The ₹6.5 lakh support for labour card holders is a combination of several welfare schemes by the central and state governments. Whether it is housing, education, health, or social security, these schemes aim to uplift construction workers and their families.
If you are a registered worker, make sure to claim every benefit you’re eligible for. If not yet registered, apply immediately and secure your and your family’s future.
The ₹6.5 lakh government benefit for labour card holders is a major step towards providing financial security and social justice to unorganized sector workers. Through a combination of central and state government schemes, workers and their families receive life insurance, health insurance, educational aid, pension, and social security support.
For millions of construction workers, daily wage earners, and unorganized labourers, this initiative ensures that their hard work is recognized and their families are protected from financial crises. Awareness, timely registration, and renewal of labour cards are key for availing the full ₹6.5 lakh benefit.
This scheme is not just financial aid but a lifeline that uplifts labourers and gives them dignity, stability, and hope for a better future.