Asbestosis

A characteristic fibrotic condition of the lungs caused by inhalation of asbestos dust or fibres. The disease makes breathing difficult and is often fatal after being latent for between 20 and 40 years. Sometimes the term is used to include all asbestos-related diseases, e.g. mesothelioma intersitial pulmonary fibrosis and bronchial or laryngeal carcinomas. The disease produces long-tail liability claims in employers’ liability insurance and in public liability. See TRIPLE TRIGGER THEORY.

Ashraya Bima Yojana

This is a scheme to provide relief to the retrenched workmen. The sustenance allowance is payable up to 12 months or until he/she secures alternate employment, whichever is earlier. The cover is available for ongoing companies only. The company should not have been closed for continuous period over 30 days during last 12 months. The company should not have immediate plan to go on reengineering and up-gradation at the time of proposing the cover. Employees’ salary (Basic+DA) should not be more than Rs. 10,000 per months and he should be contributing to EPF for at least 12 months at the time of proposing the cover.