Medical and Financial Benefits for Industrial Workers in Punjab – A Complete Legal Guide

Protecting workers’ health and financial security is a core part of labor compliance in Pakistan. Any negligence in providing mandatory benefits can lead to legal penalties, compensation claims, and reputational damage. Employers and HR professionals must have a clear understanding of the medical and financial benefits available to workers under Punjab’s labor laws.

 

In this guide, you’ll learn

  • What laws provide medical and financial benefits to industrial workers in Punjab

  • Eligibility rules for workers and dependents

  • Medical facilities covered under PESSI, Workmen’s Compensation Act, and Factories Act

  • Financial benefits including compensation, pensions, and insurance

  • Death grants, survivor pensions, and burial expenses

  • Employer responsibilities for workplace health and safety

  • Key mistakes employers make in implementing these benefits

  • Future outlook: Punjab Labor Code 2024 and its impact on worker benefits

We’ve also included ready-to-use figures and references, so HR teams and employers don’t need to search through multiple laws.

Some Major Worker Benefits Covered in Law

  • Medical Treatment (PESSI): Free healthcare for workers and dependents, hospitalization, surgery, specialist care, preventive health, maternity, and even treatment abroad if required.
  • Cash Benefits: 75% wages during temporary disability, pension or lump sum in case of permanent disability, survivor’s pension for dependents.
  • Workmen’s Compensation Act 1923: Rs. 500,000 for death or permanent disability, proportional compensation for partial disability, and half-monthly payments for temporary disablement.
  • Burial & Death Expenses: One minimum wage for burial, Rs. 800,000 death grant from WWF, plus funeral and survivor benefits.
  • Group Life Insurance: Every permanent industrial worker is covered for at least Rs. 500,000 in case of natural or accidental death.
  • EOBI Pension: Old-age, invalidity, or survivor’s pension with a minimum Rs. 11,500/month.
  • Health & Safety (Factories Act 1934): Employers must provide first aid, medical staff for large factories, safe working environments, and protection against dust, fumes, noise, and dangerous machinery.
Why this matters

For HR and employers, compliance with medical and financial benefits is not optional, it is legally binding and crucial for protecting worker rights. Ensuring these facilities not only prevents legal action but also builds trust, improves workplace safety, and supports employee wellbeing.

Download the full PDF

Get the detailed schedule of medical and financial benefits for industrial workers in Punjab (with figures, eligibility, and references), updated as of 20th September 2025. Prepared as a comprehensive legal guide for HR and employers.

Author: Amjad Bhatti (HR & IR Consultant and Trainer)
📞 0300 946 8738 | 0305 2808020
📧 info@abbhrhub.com

If you want to learn about Worker’s Facilities and Benefits – A Complete Legal Guide, read my blog.