Temporary disablement benefit: From the first day of employment, you are entitled to receive 90% of your wages if you suffer an employment injury or occupational disease, regardless of whether you have paid any contributions.

Key details:

1. Eligibility: You are eligible for TDB from the day you start insurable employment if you are temporarily unable to work due to an injury or occupational disease caused by your job. This applies whether the injury occurs within or outside India.
2. Required Documents: To claim TDB, you will need to provide an Accident Report (Form 12), Form 7 & 8, and ESIS Med. 13.
3. Rate: You will receive 90% of your average daily wages.
4. Duration: There is no time limit for TDB; it is payable for as long as the temporary disability continues, and improvement is possible. If your disability lasts for fewer than 3 days (excluding the day of the accident), you may receive sickness benefit instead if eligible.

Permanent Disablement Benefit (PDB): If you suffer a permanent disability due to an employment injury or occupational disease, you are entitled to receive 90% of your wages as a monthly payment, based on the extent of your loss of earning capacity as certified by a Medical Board.

Key details:

1. Eligibility: PDB is payable if you have a permanent disability that results in a loss of earning capacity due to an employment injury or occupational disease. The Medical Board assesses injuries, while a Special Medical Board assesses occupational diseases.
2. Duration: PDB can be awarded either for a provisional period as decided by the Medical Board or for life if the assessment is final.
3. Rate: The PDB rate is based on the percentage of your loss of earning capacity, as determined by the Medical Board. The maximum PDB rate can equal the rate of Temporary Disablement Benefit (TDB). The PDB amount is revised periodically to adjust for inflation.
4. Commutation of PDB: If your PDB rate is not more than Rs.10 per day and has been finalized, you can apply to receive the benefit as a lump sum instead of monthly payments. This must be done within 6 months of the Medical Board's decision, with the lump sum capped at Rs.60,000. After 6 months, a life expectancy certificate is required from the Medical Referee.
5. Age Proof: You must provide proof of age to the satisfaction of the Corporation. If no satisfactory proof is available, the Medical Board will assess your age, and their decision is final.