Insuring the informal worker against the heat

Reducing Emissions from Deforestation and Forest Degradation (REDD) attempts to create financial value for the carbon stored in forests, offering incentives for developing countries to reduce emissions from forested lands and invest in low-carbon paths to sustainable development. REDD goes beyond deforestation and forest degradation, and includes the role of conservation, sustainable management of forests and enhancement of forest carbon stocks. REDD has the potential to simultaneously contribute to climate change mitigation and poverty alleviation, whilst also conserving biodiversity and sustaining vital ecosystem services. Protection of biodiversity: Forests are incredibly diverse ecosystems, and protecting them through REDD initiatives helps safeguard countless species of plants and animals. Resilience of forest ecosystems: By reducing deforestation and degradation, REDD helps maintain healthy forests that can better withstand natural disturbances like droughts, floods, and pests. Poverty reduction: Many forest communities rely on forests for their livelihoods. REDD programs can provide financial incentives for sustainable forest management, creating income opportunities and alleviating poverty. Therefore, the correct answer is 1, 2 and 3.

Pair 1 is correctly matched. Alma Ata Declaration: The Declaration of Alma-Ata was adopted at the International Conference on Primary Health Care, Almaty, Kazakhstan, 612 September 1978. It expressed the need for urgent action by all governments, all health and development workers, and the world community to protect and promote the health of all people. Pair 2 is not correctly matched. Hague Convention: The Hague Convention on the Civil Aspects of International Child Abduction or Hague Abduction Convention is a multilateral treaty developed by the Hague Conference on Private International Law that provides an expeditious method to return a child internationally abducted by a parent from one member country to another. Pair 3 is correctly matched. The Talanoa Dialogue is a process designed to help countries implement and enhance their Nationally Determined Contributions by 2020. The Dialogue was mandated by the Parties to the United Nations Framework Convention for Climate Change to take stock of the collective global efforts to reduce the emissions of greenhouse gases, in line with the goals of the Paris Agreement. Pair 4 is not correctly matched. The Under2 Coalition is a global community of state and regional governments committed to ambitious climate action in line with the Paris Agreement. The coalition brings together more than 220 governments that represent over 1.3 billion people and 43% of the global economy. Signatories commit to keeping global temperature rises to well below 2C with efforts to reach 1.5C.

Statement 1 is Incorrect: The Rainfed Area Development (RAD) scheme explicitly promotes Integrated Farming Systems (IFS) rather than monoculture. It integrates multi-cropping and rotational cropping with allied activities like horticulture, livestock, fishery, and agro-forestry to diversify income and build resilience. Official guidelines actively discourage single-cropping (monoculture) systems. Statement 2 is Incorrect: As the name implies, RAD targets rainfed areas (regions lacking assured irrigation) to build resilience against climate variability. It does not focus on expanding water-intensive crops like rice in already irrigated regions. Statement 3 is Correct: The core objective of RAD is to make rainfed agriculture more productive, sustainable, remunerative, and climate-resilient. By diversifying income sources through Integrated Farming Systems (IFS), RAD aims to minimize the risks associated with climatic variability (such as droughts, heat stress, or floods) and crop failure, ensuring stable livelihoods for farmers. Therefore, option D is the correct answer.

Statement 1 is Correct. WaterCredit uses microfinance tools to help people access clean water and sanitation solutions. It provides small loans to individuals and households to invest in these facilities. Statement 2 is Incorrect. WaterCredit is not a global initiative under WHO and World Bank. It's an initiative of Water.org, an international non-profit organization focused on water and sanitation access. Statement 3 is Correct. WaterCredit aims to empower people by enabling them to pay for their own water and sanitation needs, reducing reliance on potentially unreliable subsidies. Therefore, the correct answer is 1 and 3 only.

Statement 1 is correct: The Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006, commonly known as the Forest Rights Act (FRA), 2006, introduces the concept of Critical Wildlife Habitat (CWH). These are areas within National Parks and Wildlife Sanctuaries that must be kept inviolate to ensure wildlife protection. CWHs can only be declared based on scientific evidence and after completing the due process of rehabilitation and resettlement of affected communities. Statement 2 is correct: In 2015, the Baiga tribal community in Madhya Pradesh became the first to be granted Habitat Rights under the Forest Rights Act, 2006. This recognition allowed them to continue living within the Kanha Tiger Reserve while accessing forest resources for their bonafide livelihood needs. Statement 3 is incorrect: According to the Forest Rights Act, 2006, it is the respective State governments that have the authority to declare and vest Habitat Rights for Primitive Tribal Groups and pre-agricultural communities over critical wildlife habitats, after obtaining consent from the tribal communities and establishing measures for their resettlement and rehabilitation. Hence, correct answer is option (a) 1 and 2 only.

Statement 1 is Incorrect: The Rights of Persons with Disabilities (RPwD) Act was passed by the Parliament of India in 2016, not 2018. It aligns with the UN Convention on the Rights of Persons with Disabilities and places a legal obligation on governments to ensure non-discrimination and accessibility. It also mandates reservations for PwDs, such as increasing the quota to 4% in government employment and 5% in higher education. Statement 2 is Correct: The Sugamya Bharat Abhiyan (Accessible India Campaign) was launched in 2015 by the Department of Empowerment of Persons with Disabilities (DEPwD). It focuses on achieving universal accessibility for Persons with Disabilities across three key domains: built infrastructure (barrier-free public buildings), transport systems (accessible railways, airports, and roads), and information and communication technology (accessible government websites and digital ecosystems). Statement 3 is Incorrect: The National Divyangjan Finance and Development Corporation (NDFDC) is a Central Public Sector Undertaking registered as a not-for-profit company to provide concessional financial assistance to promote entrepreneurship, self-employment, and higher education among PwDs. However, it was set up under the aegis of the Ministry of Social Justice and Empowerment, not the Ministry of Corporate Affairs. Therefore, the correct option is B.

* Statement 1 is incorrect. The World Toilet Organization (WTO) is not an agency of the United Nations. It is an international non-profit organization. * Statement 2 is correct. The WTO is known for its initiatives like World Toilet Summit, World Toilet Day, and World Toilet College, all aimed at addressing the global sanitation crisis. * Statement 3 is incorrect. While the WTO advocates for improved sanitation and hygiene, its primary function is not to grant funds. It focuses on advocacy, education, and capacity building to achieve its goals. _Therefore, only statement 2 is correct._

With reference to the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Yojana, here's the breakdown of the statements: * Statement 1:  Incorrect. The eligible age group for enrolment in the scheme is 18 to 40 years, not 21 to 40 years. This allows younger workers to join early and contribute for a longer period. * Statement 2: Correct. Beneficiaries are required to make age-specific monthly contributions, which increase with age. For instance, contributions start at ₹55 for an 18-year-old and go up to ₹200 for a 40-year-old. * Statement 3: Correct. Subscribers will receive a minimum pension of ₹3,000 per month after attaining 60 years of age. This provides social security for workers in the unorganized sector. * Statement 4: Incorrect. Family pension is available only to the spouse, who will receive 50% of the pension amount after the subscriber's death. Unmarried daughters are not eligible for this benefit.

Statement 1 is not correct: The Government had launched a scheme viz Casual Labourers (Grant of Temporary Status and Regularization) Scheme of Government of India, 1993. As per the scheme, Temporary status would be conferred on all casual labourers who were in employment and who have rendered a continuous service of at least one year, which means that they must have been engaged for at least 240 days (206 days in case of offices observing 5 days week). Statement 2 is correct: The Supreme Court has decreed that casual workers are also entitled to social security benefits as stipulated in the Employees Provident Funds and Miscellaneous Provisions Act. The Court's ruling stemmed from its interpretation of Section 2(f) of the EPF Act, wherein the definition of an "employee" encompasses a broad scope, including any individual engaged directly or indirectly in connection with an establishment's work and receiving wages. A bench of the Supreme Court affirmed this viewpoint. Statement 3 is correct: The government has the authority to specify through a notification that an establishment or industry is obligated to disburse wages exclusively via its bank account.

During the fourth Five-Year Plan, a sub-category was created within Scheduled Tribes, known as Particularly Vulnerable Tribal Groups, to identify groups that are considered to be at a lower level of development. Statement 1 is correct: PVTGs are spread over 18 states and one Union Territory (Andaman & Nicobar Islands) in India. Statement 2 is correct: The criteria for determining PVTG status include a pre-agricultural level of technology, a stagnant or declining population, extremely low literacy, and a subsistence-level of economy. Statement 3 is incorrect: As of now, there are 75 PVTGs officially notified in the country, not 95. Statement 4 is correct: Both Irular and Konda Reddi tribes are included in the list of PVTGs. So, the correct statements are 1, 2, and 4.

The article states, "Circuiting the need for policyholders to pay premiums or submit claims, parametric insurance depends on a pre-set trigger... If a day’s weather index crosses a predetermined threshold... it would trigger a payout to the worker’s account, no questions asked." This confirms statement 1 is correct, and statements 2 and 3 are incorrect.

The article explicitly states, "Almost everywhere, premiums are paid by philanthropic organisations rather than workers themselves." and Jatin Singh notes, "Without somebody else paying the premium, the model doesn’t work." This highlights the funding model as the primary challenge for sustainability.

The article states, "No State government yet runs a heat-insurance scheme for workers—Nagaland’s is the lone government parametric policy that insures residents against excess rainfall." It also mentions crop parametric cover is run by government premium subsidies, but this is distinct from heat insurance for informal workers.