Panchdeep Insurance Recovery 2.0

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    Confidential Copyright 2009 Wipro Ltd

    ESIC

    Pragati (Insurance)

    Recovery

    October 30, 2013 1

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    Introduction

    Recovery Recovery of Arrears

    Employer Employer had defaulted payment towards Monthly Contribution.

    Employer was marked as defaulter and necessary actions were undertaken.

    After repeated reminders, if the employer continues to default in clearing the

    arrears then Recovery Certificates are created. On receipt of Recovery

    Certificates Recovery officer can initiate Certificate Proceedings against the

    defaulting employer.

    Employee/IP Employee or IP had received excess claims or received claims

    beyond eligibility. Benefits branch will adjust the excess claims during future

    claims by Employee or IP. In case Benefits branch is not able to adjust, then

    Benefits Manager will issue recovery certificate against the IP/Employee. On

    receipt of Recovery Certificates Recovery officer can initiate CertificateProceedings against the defaulting employee/IP.

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    RecoveryTriggers

    Recoveryagainst theEmployee/IP

    Recoveryagainst theEmployer

    MonthlyContribution

    AOD/IR/TIR/VR/S

    VR/Int. &

    Damages

    Recovery againstthe Employer

    C-19, C-19(i), D-19

    Excess Payments

    Adjustments

    Recovery againstthe Employee

    B-19

    Triggers

    Revenue Branch

    Creation of C-19 certificate

    Creation of C-19(i) certificate

    Creation of D-19 certificate

    Benefit Branch

    Creation of B-19 certificate

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    Recovery Workflow

    RecoveryCertificate

    CP1CP2

    CP3 CP4 CP5 CP6 CP7 CP8 CP9

    CP10 CP12ACP11 CP12 CP15 CP24 CP26

    Certificate Proceedings

    PaymentIrrecoverable

    Archive

    Recovery Cert.

    Recovery Certificate Marked to anotherRecovery Officer

    15 daysnotice

    Close Recovery

    Cert.

    10 Digit Recovery Certificate #(Running Number)

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    Application Output

    Retrieve the status of Certificate Proceedings

    Track Recovery progress

    Prioritise the Recovery process

    Status update of Recovery certificate by Authorised

    Officer and Legal Department which can notify the

    Recovery officer to take actions suitably.

    Recovery

    Authorized Officer

    (Revenue)

    Creates Recovery

    Certificate

    C-19, C-19(i), D-19

    Recovery

    Retrieve asset list from Employer Registration module.

    Add Assets to the employers which can be used to

    create database of employer asset which can be utilised

    for recovery of arrears. (Such assets information can be

    gathered by Recovery Inspector or any ESIC official and

    can be informed to Recovery team for update todatabase)

    Attaches assets to recover dues.

    Generate CP. Recovery officer to enter details in the CP

    certificate and store CP within the system.

    Update the status of CP.

    Update the status of Recovery Certificates

    Declare Irrecoverable to Recovery certificates

    Recovery officer

    ESIC Official

    Authorized Officer

    (Branch Officer)Creates Recovery

    Certificate

    B-19

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    Exceptions to Normal Process

    Employer / Employee/IP Employer can approach the Authorized officer(Revenue/Benefit as per the

    case) and appeal against the Recovery certificate. Authorized officer can

    Cancelor Holdthe Recovery Certificate.

    If the Employer is unsatisfied with the Recovery Certificates can appeal to

    High Court. High Court if issues the Stay order against the Recovery

    progress then Recovery action will be put on hold till Court passes theorder.

    Recovery Certificate against a DeadEmployer. Then recovery certificates

    will be applicable to Legal Heir. Recovery officer to recover the amount

    from the Legal Heir.

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    Recovery Exit Triggers

    Irrecoverable

    Recovery Officer tries his level best to recover the dues, but due to

    various reasons the Recovery amount cannot be recovered. Reasons

    can be employer/Employee/IP is bankrupt, employer/Employee/IP is

    dead, whereabouts are not known. System provides the Recovery

    officer to submit it to Authorized officer for approval with necessary

    documents to support Recovery officer decision.

    After approval the Recovery Certificates will be archived andinformation is sent to F&A to make necessary adjustments in Books.

    Recovery Payment

    Employer/IP/Employee makes the payment by cash, cheque or DD.

    After F&A confirmation, the Recovery Certificate will be removed from

    the system.

    Recovery of Arrears as result of CP(Certificate Proceedings)

    Amount received from Certificate Proceedings are adjusted against

    the Recovery certificate.

    Any other pending amount with ESIC against the defaulter is adjusted.

    Remaining amount is returned to defaulter.

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    Process related Reports

    C-19 Register

    C-19(i) Register

    D-19 Register

    Certificate Control Register

    Daily Collection Register

    Irrecoverable Dues Register

    Stayed Case Register

    Cheques Forwarded Register

    Recovery Collected

    Cheques Dishonored Register

    BIFR/AAIFR employers

    Summons Register

    Certificates Proceeding Register

    45-G Notice Register

    Monthly Progress Reports

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    Master Data Required

    Employer List

    Complete Details of C-19

    Complete Details of C-19(i)

    Complete Details of D-19

    Status of various Certificate Proceedings taken towards Recovery

    Certificates. For Ex:

    Show cause notice Arrest Warrant issued

    Number of movable property attached

    Number of immovable property attached

    Irrecoverable Dues Declared

    Instalment facilities provided

    BIFR/AAIFR

    Non-BIFR/Non-AAIFR

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    Screens

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    Screens

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    Screens

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    Screens

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    Thank You

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