Financial Assistance to 75% or Permanent Disability

Financial Assistance to 75% or Permanent Disability is a welfare scheme of the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) for registered construction workers in Maharashtra. Under this scheme, a worker who suffers 75% or more permanent disability gets a one-time cash support of ₹2,00,000 to manage treatment costs and continue daily life.

Claims under this scheme are still open in 2026. Workers can now file the claim online through the board's Integrated Web Based Management System (IWBMS) portal or submit the offline form at the local labour office. The support amount and eligibility rules remain the same as per the latest board update.

Financial Assistance to 75% or Permanent Disability - Introduction

Financial Assistance to 75% or Permanent Disability gives a strong safety net to construction workers who face severe disability. The Maharashtra Building and Other Construction Workers Welfare Board launched this scheme under the Labour Department to help registered members who get 75% or more permanent disability, either due to an accident at the construction site or because of an illness.

Under this scheme, a registered construction worker receives ₹2,00,000 as one-time financial support. This amount is covered under the Mediclaim and Personal Accident Insurance component of the board, so the benefit applies to qualifying events that happen after 26th July 2014. The money helps pay for treatment costs, rehabilitation and daily needs of the worker and the family.

As per the official welfare scheme list of MBOCWW, the worker needs a disability certificate of 75% or more issued by a competent medical officer or a medical board, along with records of medical treatment payments. The claim can be submitted online through the IWBMS portal or offline through the Labour Commissioner and Government Labour Officer offices.

Benefits

Financial Assistance to 75% or Permanent Disability gives a one-time cash grant of ₹2,00,000 to the registered worker. This amount is paid directly to the worker's bank account after the claim is approved, and it can be used for treatment costs, medicines, rehabilitation aids and daily household needs.

The benefit is part of the Mediclaim and Personal Accident Insurance cover of the board. This means the worker does not need to pay any premium separately for this support. The scheme reduces the money pressure on the family at a time when the worker may not be able to earn a regular income.

Eligibility

Eligibility for this scheme depends on the worker's registration status and the disability certificate. The following conditions should be met:

• Active construction worker: The applicant must be engaged in building or other construction work in Maharashtra and must hold a valid registration with the Maharashtra Building and Other Construction Workers Welfare Board.
• Disability of 75% or more: The worker must have a permanent disability of 75% or more, certified by a competent medical officer or a government medical board.
• Medical treatment records: Proof of medical treatment payments is required along with the disability certificate while submitting the claim.

Application Process

Workers can apply for this support both online and offline. The online process is faster because the claim goes directly into the board's system.

STEP 1 - Visit the official MBOCWW website at mahabocw.in and open the welfare schemes section, or go directly to the claim portal at iwbms.mahabocw.in.

STEP 2 - Download the official health scheme application form from the board website. The form link is available under the health care section of the welfare schemes page.

STEP 3 - Fill in the details and attach self-attested copies of the required documents, including the disability certificate and medical treatment payment records.

STEP 4 - Submit the completed form online through the IWBMS portal, or submit the physical form to the Labour Commissioner or the Government Labour Officer in your area.

STEP 5 - Keep the acknowledgment receipt or the reference number given after submission. This proof helps you track the status of your claim.

Documents

Keep the following documents ready before applying so that the claim is not delayed:

• Passport-size photograph
• Aadhaar Card
• MBOCWW identity card
• Bank account passbook with IFSC code
• Disability certificate of 75% or more issued by a competent medical officer or medical board
• Records of medical treatment payments
• Proof of residence such as Aadhaar, ration card or electricity bill

References

Official Labour Department page for MBOCWW | Official Welfare Schemes list on MBOCWW website | Official MBOCWW Website

FAQ's

Who is eligible for this scheme?

Any construction worker registered with the Maharashtra Building and Other Construction Workers Welfare Board who has 75% or more permanent disability, certified by a competent medical officer or medical board, can apply for this scheme.

What is the amount of financial support provided?

The worker receives ₹2,00,000 as a one-time cash grant after the claim is approved.

Is this scheme available for workers across India?

No, this scheme is only for construction workers registered with the Maharashtra Building and Other Construction Workers Welfare Board.

How do I apply for this scheme?

You can apply online through the IWBMS claim portal at iwbms.mahabocw.in or submit the offline form to the Labour Commissioner or Government Labour Officer in your area.

What documents are required for the application?

You will need a passport-size photo, Aadhaar card, MBOCWW identity card, bank passbook, disability certificate of 75% or more, medical treatment payment records and proof of residence.

Is there a deadline for applying to the scheme?

There is no fixed deadline, but you should submit the claim as soon as possible after the disability is certified so that processing is not delayed.

What type of disability qualifies for this scheme?

You must have 75% or more permanent disability as defined and certified by a competent medical officer or a government medical board.

Is there any insurance coverage linked to this scheme?

Yes, the benefit is covered under the Mediclaim and Personal Accident Insurance component of the board for incidents that happen after 26th July 2014.

Do I need to be actively employed as a construction worker to apply?

Yes, you must be an active construction worker with a valid registration with the state board to claim this benefit.

Is there any age limit for applying to the scheme?

No, the government has not specified any age limit for this scheme.