Insurance benefit payment procedure mandates electronic transfer, twenty-day settlement, written deficiency notice, and penal interest for delay. Claimants must submit claims to the Commissioner in the specified form and manner, online or offline, and payment is to be made by electronic funds transfer into the prescribed bank or post office account. Complete claims with required documents must be settled and paid within twenty days; deficiencies must be communicated in writing within twenty days. Delay in settling a complete claim without sufficient cause may attract penal interest at twelve per cent per annum, recoverable from the Commissioner's salary. The Central Board may also authorise payment from the Insurance Fund without a claim, subject to a monetary ceiling.