S.K.M. Lodha, President—Shri S.K. Sharma had worked in the Coal Mines since 1967. The Coal Mines were nationalised sometime in 1973 and so Shri S.K. Sharma became an employee of Coal India Ltd. Coal Mines Provident Fund and Miscellaneous Provisions Act, 1948 (“the Act”)/was promulgated. The Act is to make provision for the framing of provident fund scheme (a family pension scheme) a deposit linked insurance scheme and a bonus scheme for persons employed in the Coal Mines S. 3(g) of the Act deals with Coal Mines Deposit Linked Insurance Scheme. It empowered the Central Govt. to frame Coal Mines Deposit Linked Insurance Scheme for the purpose of providing licensing benefits to such employees as are covered by Coal Mines Provident Fund Scheme. The Central Govt. framed a Scheme as mentioned in the III Schedule appended to the Act. Deposit Linked Insurance Scheme came into force from 1.8.76. Shri S.K. Sharma was covered by the aforesaid scheme and necessary deductions were made from the salary for coverage under the Deposit Linked Insurance Scheme (DLIS). Shri S.K. Sharma expired on 6.2.80. After the death of Shri S.K. Sharma, the complainant (widow of Shri S.K. Sharma and her m