Karnataka Accident Assistance Scheme for Construction Workers

Scheme Introduction: A Brief Overview

The Accident Assistance Scheme is provided by the Karnataka Building and Other Construction Workers Welfare Board to financially support registered construction workers in case of accidents. This scheme covers situations where a worker suffers death or permanent disability (total or partial) due to a sudden and unexpected accident without any criminal intent.

Under this scheme, financial assistance is given based on the severity of the accident. In case of death, the nominee can receive up to ₹8,00,000 if the accident happens during work, and around ₹5,00,000 if it happens outside work. For permanent total disability, ₹2,00,000 is given, and for partial disability, up to ₹1,00,000 is provided depending on the percentage of disability.

To be eligible, the worker must be registered with the Welfare Board and should have worked at least 90 days in construction. The accident can happen during work or even outside work, but it should not be due to reasons like self-harm, alcohol/drug influence, or illegal activities.

If the accident happens during employment, the employer also provides compensation under the Employee's Compensation Act, 1923, in addition to the Board's assistance.

The application must be submitted within one year of the accident along with required documents like FIR, medical reports, and employer certificate. After verification by officials, the amount is approved and paid partly through bank transfer and partly as a fixed deposit for the worker or nominee.

Apart from accident assistance, registered construction workers and their families may also benefit from other welfare schemes such as the Karnataka Funeral Expense and Ex-Gratia Assistance Scheme and the Karnataka Pension Scheme for Construction Workers, which provide additional financial support during emergencies and old age.

Scheme Benefits

• Provides financial support in case of accident-related death or disability
• Death Benefit:
  • ₹8,00,000 (during employment, along with employer compensation)
  • ₹5,00,000 (outside employment)
• Permanent Total Disability:
  • ₹2,00,000
• Permanent Partial Disability:
  • Up to ₹1,00,000 (based on disability percentage)
  • 50% of the amount is given directly and 50% is kept in Fixed Deposit
  • In case of accidental death during employment, dependents of the registered worker are separately entitled to receive compensation of up to ₹2,00,000 from the Board.

Eligibility Requirements

• For Registration as a Construction Worker:
  • The applicant should be engaged in construction work (unorganised sector)
  • Must be at least 18 years old at the time of registration
  • Should have worked at least 90 days in a year
• For Availing the Scheme:
  • Must be a registered worker under the Welfare Board
  • The accident must result in death or permanent disability
  • The accident can occur during work or outside work
  • Must not be disqualified under excluded conditions
• The case should not fall under excluded conditions like:
  • Self-harm or suicide
  • Alcohol or drug influence
  • Criminal activities

Note: Application must be submitted within one year from the date of accident

Required Documents

• For Registration:
  • 90 days work certificate
  • Aadhaar Card
  • Age Proof
  • Ration Card (optional)
• For Scheme Application:
  • Welfare Board ID Card
  • Bank Passbook Copy (worker/nominee)
  • Employer Certificate
  • Medical Certificate
  • Death Certificate (if applicable)
  • Postmortem Report
  • Disability Certificate (if applicable)
  • FIR Copy
  • Self Declaration
  • Form XXI / XXI-B
  • Form XXI-A (filled by employer)
  • ID Proof of Nominee
• For Renewal:
  • 90 days work certificate

Steps to Apply

• Worker Registration
  • Start by visiting the official website of the Karnataka Building and Other Construction Workers Welfare Board.
  • Click on the "Register" option. If you are already registered (for example, through Seva Sindhu), you can directly log in using your Aadhaar-linked mobile number and verify it with an OTP.
  • If you are a new user, enter your mobile number linked with Aadhaar, complete the OTP verification, and fill in your personal and work details.
  • Upload the required documents and submit the registration form
• Applying for the Scheme
  • After logging in with your registered mobile number and OTP, go to your dashboard.
  • Open the "Schemes" section and choose the Accident Assistance Scheme.
  • Fill in all the required details carefully and upload the necessary documents.
  • Once you have checked all the information, accept the declaration and submit your application.
• Verification and Approval
  • Application is verified by Labour Inspector
  • Approved by Assistant Labour Commissioner
  • If rejected, applicant gets a chance to explain

Exclusions and Important Conditions

• No benefit will be given in cases like:
  • Natural death
  • Suicide or self-injury
  • Alcohol or drug influence
  • Illegal activities
  • Pregnancy-related complications
  • Medical treatment-related complications
  • Sexually transmitted diseases (STDs)
  • Injuries caused during an attempted crime
  • Certain diseases like HIV

Note: Revised compensation applies for accidents on or after 16-07-2025

Relevant Links

• Karnataka Building and Other Construction Workers Welfare Board Web Portal
• Official Portal for Construction Worker Registration
• Details about the Accident Assistance Scheme in the Website Portal
• Scheme Details in The Official Website Page
• Employment certificate by the Employer-Form V(A), Registered trade union-Form V(B), labour inspector-Form V(C), grama panchayath-Form V(D) Download Page
• Applying Process Pdf of Karnataka The Accident Assistance Scheme for Construction Workers
• Self Declaration Form Pdf
• Registration Process Pdf
• Renewal Process Pdf

Contact Information

• Karnataka Building and Other Construction Workers Welfare Board Karmika Bhavan, Dairy Circle Bannerghatta Road, Bengaluru – 560029
• Toll-Free Number: 155214
• WhatsApp Contact: 9845353214
• Email: [email protected]