EPFO Death Claim Process 2025: A special facility is operated for financial security for the organized employees of India, which we know by the name Employees Provident Fund. The main objective of this organization is to provide future security to employees and provide pension to them after retirement. EPF not only gives pensions to employees but also provides facilities like insurance.
The EPF account is contributed by both the employee and the employer and after retirement on the basis of this contribution, the employees are provided pension on the basis of the calculation of their service. But do you know if the employee/ subscriber dies for some reason, then how will he get PF withdrawal after subscriber’s death?
EPFO Death Claim Process 2025
EPF not only provides financial assistance to employees after retirement but also provides financial assistance to their family if the employees die. The main objective of EPF is to make security achievement to the employee and his family after retirement, while if the employee gets death due to some reason, then keeping his family financially strong and providing pension.
In this article today, we will provide you a detailed description of this where we will tell you if the EPF subscriber dies then how does the family get financial assistance and what does the family have to do to get this help uninterruptedly?
What is EPFO?
EPFO is a social security scheme operated for the employees of the organized sector. In this scheme, a share of salary is deposited every month by both the employees and employers, currently 12% is deposited by the employees in the EPF account and 12% in the EPF account by the employer. This amount is preserved in the EPF account on which the government also pays interest so that after retirement, the employees can be provided with a pension.
The EPF contains the main three schemes in the Employees Provident Fund which is a retirement saving account through which the principal and interest accumulates in the account of the employees.
- The Employees Pension Scheme is given through this to the employees of retirement, which we also know as EPS 95.
- The Employees Deposit Link Insurance Scheme This is an insurance scheme run by the EPF in which the nominee is given an insurance amount to the nominee after the death of the subscriber.
How to get EPF money after death?
If an EPF member dies, then the entire amount deposited by the member insurance benefit and pension facility is provided to the nominee person. If for some reason the nominee is not available , then all these facilities are provided to the successor. Let us tell you that if the EPF employee has retired or has expired as soon as he has been in service, then the family is given full benefit in both circumstances.
PF Settlement After Death
That is, after the death of the subscriber, this payment is made in a total of three different parts.
Payment of EPF amount: If the subscriber dies while retaining in the service or after retirement, then the entire amount deposited in his account is provided to his nominee. The entire contribution deposited in this amount and the interest received on it is fully provided to the successor. The EPF subscriber decides its nominee or legal heir or successor as per the convenience. If both these have not been decided, then the family members like parents, children etc. are provided this amount.
EPS 95: If the member dies in EPS 95 and the member has served in a department for more than 10 years, then their families get a family pension under EPS. Some changes are made in the terms of this pension on service less than 10 years. If the employees have served more than 10 years in a department in EPS 95, then the husband or wife gets a lifetime pension and children are provided monthly pension till the age of 25 years. At the same time, only a refund of the deposit is given in the service of work for 10 years.
Benefits of EDLI insurance amount: Employees are also insured by EPS. Under the EPFO, the registered employees who have been insured under the EDLI scheme, after death, the insurance amount is given to the family, currently this insurance amount is a maximum of 7 lakhs.
How to Claim Provident Fund after death?
How can family members do claim process after the death of employees in EPFO
After the death of the employees, family members can claim for EPF, EPS and EDLI for which they first have to submit the necessary documents. This important document can be done in this way:
Documents required for PF death claim
- Subscriber’s death certificate
- Identification certificate of nominee/successor
- Bank account passbook
- Nominee declaration form
- Form 20 EPF (Vidrol Form)
- 10D (Pension Form)
- 5 F (EDLI Form)
- Nomine’s passport size photo
- And a canceled check
How to Claim EPF EPS EDLI in EPF?
- In the EPF, after the death of the subscriber, the nominee/ successor has to claim to get EPF withdrawal after death of employee.
- To claim, the nominee or successor has to go to the nearest EPF office and submit all the documents and forms mentioned above.
- If a nominee or successor wants, you can also verify your claim by submitting this form on the UAN portal on the EPFO website.
EPF death claim for family members
EPF death claim process: What things are necessary to pay attention to get money from EPF: All the subscribers who want that their family do not have any kind of financial trouble after their retirement or death, then it is necessary to check from time to time that their UAN is active, the nominee information has been updated by them and the family has no discomfort after the death of the employees. Rather, after the death of the employees, the family can claim this claim easily and can be financially empowered.
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Conclusion
Overall, the EPF not only acts like a savings scheme but also provides complete social security to the employees which not only provides them retirement benefits but also to keep their family successful and competent after their death. However, in this whole process, it is mandatory for the employees to take care of some special things, as well as family members also need to be aware of this important process.
