Can you please explain about PF death claim? Who is eligible to receive the PF amount and pension?
To which bank account will the PF amount be credited? Are details of all family bank accounts required?
From India, Hyderabad
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3To which bank account will the PF amount be credited? Are details of all family bank accounts required?
From India, Hyderabad
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Dear Krishna,
Was the employee on duty during the time of death? If yes, and if the person was under ESIC, then that person is eligible for ESIC as well. Regarding your PF query for death, you need to follow the below-mentioned procedures:
1. Collect Form 20, Form 10-D, and Form 5(IF).
2. Obtain the surviving family member certificate duly signed by the employer after verification.
3. Obtain the legal heir certificate of the surviving member.
4. Attach the death certificate and identity proof (preferably Aadhar card) of the deceased employee.
5. Attach ID proof along with a passport-sized photo attested by the employer of the family members who have filled out the forms as mentioned above. Please ensure to ask the family members who have identified themselves as claimants that their bank account should be from the same branch (SBI account is most preferable).
For any further support, you can seek help from your claim settlement officer at your PF office.
Thank you,
Ramya Ranjan
From India, Bhubaneswar
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Was the employee on duty during the time of death? If yes, and if the person was under ESIC, then that person is eligible for ESIC as well. Regarding your PF query for death, you need to follow the below-mentioned procedures:
1. Collect Form 20, Form 10-D, and Form 5(IF).
2. Obtain the surviving family member certificate duly signed by the employer after verification.
3. Obtain the legal heir certificate of the surviving member.
4. Attach the death certificate and identity proof (preferably Aadhar card) of the deceased employee.
5. Attach ID proof along with a passport-sized photo attested by the employer of the family members who have filled out the forms as mentioned above. Please ensure to ask the family members who have identified themselves as claimants that their bank account should be from the same branch (SBI account is most preferable).
For any further support, you can seek help from your claim settlement officer at your PF office.
Thank you,
Ramya Ranjan
From India, Bhubaneswar
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Employee Provident Fund amount is paid to the nominee that was nominated at the time of initiation of the account. If there was no nominee assigned, then the EPF amount is paid to the immediate members of the family. If the family members and the nominee are not applicable for the account, then the legal heir can claim the EPF amount.
Firstly, you should check the Nomination form to know which family members have been nominated there. After that, you can proceed further.
Following are the guidelines for the same:
- For unmarried employees, the claimant can be the parents of the employee only.
- For married employees, the claimant can only be the spouse and kids (up to three) below the age of 25 years.
- Each claimant is paid an equal proportion of the total calculated amount for both PF and Pension Fund.
- Provident Fund amount is paid in one time. However, Pension Fund is divided into equal monthly installments.
- All the funds get transferred to the claimants through NEFT.
- All claimants' bank accounts should be with the same bank.
Documents required to claim PF in the given situation are as mentioned below:
- Employee's Death Certificate
- List of Family Members of the Employee/Family Chart
- Duly filled and signed attached forms Composite Form 20/Form 10 D/Form- 5 IF (1 or 2 copies)
- Joint photograph of all the claimants
- Employee's ID Proof
- Each claimant's (parent and spouse) ID Proof
- Birth Certificate for the kids of the employee
- Death Certificate
- Scheme Certificate (if applicable)
- For verification of bank accounts, a copy of a canceled cheque or an attested copy of the first page of the bank Pass Book.
Please note that all death case claims submitted by the spouse or nominee or legal heirs of EPF members must be settled within a period of seven days from the date of submission of the claim form in the concerned field office where the deceased member's accounts are being maintained.
Encl: Composite Claim Form in Death Cases [Form-20 (PF Payment)/Form-10-D (Pension)/Form - 5 IF (EDLI)]
Regards,
Amit
From India, Surat
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Firstly, you should check the Nomination form to know which family members have been nominated there. After that, you can proceed further.
Following are the guidelines for the same:
- For unmarried employees, the claimant can be the parents of the employee only.
- For married employees, the claimant can only be the spouse and kids (up to three) below the age of 25 years.
- Each claimant is paid an equal proportion of the total calculated amount for both PF and Pension Fund.
- Provident Fund amount is paid in one time. However, Pension Fund is divided into equal monthly installments.
- All the funds get transferred to the claimants through NEFT.
- All claimants' bank accounts should be with the same bank.
Documents required to claim PF in the given situation are as mentioned below:
- Employee's Death Certificate
- List of Family Members of the Employee/Family Chart
- Duly filled and signed attached forms Composite Form 20/Form 10 D/Form- 5 IF (1 or 2 copies)
- Joint photograph of all the claimants
- Employee's ID Proof
- Each claimant's (parent and spouse) ID Proof
- Birth Certificate for the kids of the employee
- Death Certificate
- Scheme Certificate (if applicable)
- For verification of bank accounts, a copy of a canceled cheque or an attested copy of the first page of the bank Pass Book.
Please note that all death case claims submitted by the spouse or nominee or legal heirs of EPF members must be settled within a period of seven days from the date of submission of the claim form in the concerned field office where the deceased member's accounts are being maintained.
Encl: Composite Claim Form in Death Cases [Form-20 (PF Payment)/Form-10-D (Pension)/Form - 5 IF (EDLI)]
Regards,
Amit
From India, Surat
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Dear all,
We were exempted U/P 28(7) and paying contributions to LIC since 1990 without a break. In 2015, when we applied for further exemption, EPFO refused by saying that as per our head office circular dated 6/2/2017, we cannot grant further exception to any industry. We had no option and from February 2017 onward, we started paying contributions to EPFO instead of LIC. In June 2017, one of our employees expired, but EPFO refused to pay 100% of the claim of Rs. 6 Lac to the widow of the member, despite him being a regular EPF member since 1990 with a basic salary of Rs. 20,590 until his death. EPFO paid 3.75 Lac against the 6 Lac maximum benefit under the scheme.
What is the legal obligation in this case?
V.K. Sharma
9815119500
From India, Bangalore
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We were exempted U/P 28(7) and paying contributions to LIC since 1990 without a break. In 2015, when we applied for further exemption, EPFO refused by saying that as per our head office circular dated 6/2/2017, we cannot grant further exception to any industry. We had no option and from February 2017 onward, we started paying contributions to EPFO instead of LIC. In June 2017, one of our employees expired, but EPFO refused to pay 100% of the claim of Rs. 6 Lac to the widow of the member, despite him being a regular EPF member since 1990 with a basic salary of Rs. 20,590 until his death. EPFO paid 3.75 Lac against the 6 Lac maximum benefit under the scheme.
What is the legal obligation in this case?
V.K. Sharma
9815119500
From India, Bangalore
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Can you please furnish the EDLI Wages of the deceased employee for the last 30 months? The formula for payment of EDLI Wages is X 30 months (Maximum 4.5 Lakhs). The PF Contribution lying in the employee's account or the last 12 months' contribution to the EPF Account, whichever is less, is a maximum of 1.5 Lakhs.
From India, New Delhi
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From India, New Delhi
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Mr. KRISHNA,
Everybody's input is well taken. However, verify his/her EPF Form 2 (Nomination) under the family clause. Find out if any changes have been informed by him/her. Has he/she given Form F under the Gratuity Act? Verify that as well with Form 2. If married, the wife alone. In the case of any child major, they also (up to 21 years female); otherwise minor, meaning guardian i.e. mother or grandparents. You have to get their identity confirmed before acting further.
V. Murali
From India, Madipakkam
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Everybody's input is well taken. However, verify his/her EPF Form 2 (Nomination) under the family clause. Find out if any changes have been informed by him/her. Has he/she given Form F under the Gratuity Act? Verify that as well with Form 2. If married, the wife alone. In the case of any child major, they also (up to 21 years female); otherwise minor, meaning guardian i.e. mother or grandparents. You have to get their identity confirmed before acting further.
V. Murali
From India, Madipakkam
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EDLI Basic Wages of Deceased Member:
2014 = 15325/PM
2015 = 16860/PM
2016 = 18715/PM
2017 = 20590/PM
No absences or periods without pay throughout the entire period.
We have written 3-4 letters to EPFO for clarification on the subject, but no reply has been received so far.
VKS
From India, Bangalore
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2014 = 15325/PM
2015 = 16860/PM
2016 = 18715/PM
2017 = 20590/PM
No absences or periods without pay throughout the entire period.
We have written 3-4 letters to EPFO for clarification on the subject, but no reply has been received so far.
VKS
From India, Bangalore
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Mr. Vijendra Sharma,
Please verify your records once again vis-a-vis your Post.
Till September 2014, the EDLI Ceiling was Rs6,500. From September 2014, the EDLI Ceiling was enhanced to Rs15,000. Instead of writing 3-4 letters, visit the concerned PF Office to understand the basis of settlement of the claim. Your understanding of the EDLI claim is not correct.
From India, New Delhi
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Please verify your records once again vis-a-vis your Post.
Till September 2014, the EDLI Ceiling was Rs6,500. From September 2014, the EDLI Ceiling was enhanced to Rs15,000. Instead of writing 3-4 letters, visit the concerned PF Office to understand the basis of settlement of the claim. Your understanding of the EDLI claim is not correct.
From India, New Delhi
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One of my employees passed away after 2 years of service. Is there a rule stating that only employees' contribution will be paid to his dependents as his service is less than 5 years? What happens to employers' contribution?
From India, Chennai
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From India, Chennai
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Dear sir,
Please help me with this. One of our two employees has passed away while they were on their way to the office in the morning. They had joined the organization in December 2017, and their contribution was only for 4 months. Could you please let me know if they are eligible to claim EPF, EPS, and EDLI (life insurance)?
Regards,
Rajashekar
9010597000
From India, Hyderabad
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Please help me with this. One of our two employees has passed away while they were on their way to the office in the morning. They had joined the organization in December 2017, and their contribution was only for 4 months. Could you please let me know if they are eligible to claim EPF, EPS, and EDLI (life insurance)?
Regards,
Rajashekar
9010597000
From India, Hyderabad
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Death while in service letter for pf death claim.docx
PF Death case Composite Claim Form No 20,10D & 5IF.xls