𝐄𝐏𝐅 𝐃𝐞𝐚𝐭𝐡 𝐂𝐥𝐚𝐢𝐦 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭: 𝐒𝐭𝐞𝐩-𝐛𝐲-𝐒𝐭𝐞𝐩 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 𝐆𝐮𝐢𝐝𝐞

 𝐄𝐏𝐅 𝐃𝐞𝐚𝐭𝐡 𝐂𝐥𝐚𝐢𝐦 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭: 𝐒𝐭𝐞𝐩-𝐛𝐲-𝐒𝐭𝐞𝐩 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 𝐆𝐮𝐢𝐝𝐞

In the unfortunate event of an employee’s death, timely settlement of statutory benefits is critical to ensure financial stability for the family. Below is a clear and structured guide to help HR teams, employers, and dependents navigate the EPF, EPS, and EDLI claim process efficiently.

1️⃣ 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗣𝗮𝘆𝗮𝗯𝗹𝗲 𝘁𝗼 𝗡𝗼𝗺𝗶𝗻𝗲𝗲𝘀 / 𝗟𝗲𝗴𝗮𝗹 𝗛𝗲𝗶𝗿𝘀

✅ Employees’ Provident Fund (EPF)

– Full PF balance payable to the nominee or legal heir.

✅ Employees’ Pension Scheme (EPS)

– Monthly pension for eligible dependents (spouse, children, or parents), or

– Withdrawal benefit if pension eligibility conditions are not met.

✅ EDLI (Employee Deposit Linked Insurance)

– Life insurance benefit up to ₹7,00,000, subject to EPFO rules and service period.

2️⃣ 𝗔𝗽𝗽𝗹𝗶𝗰𝗮𝗯𝗹𝗲 𝗘𝗣𝗙𝗢 𝗖𝗹𝗮𝗶𝗺 𝗙𝗼𝗿𝗺𝘀

📄 Form 20 – EPF final settlement

📄 Form 10D – Monthly pension claim (for eligible dependents)

📄 Form 10C – EPS withdrawal (if pension not applicable)

📄 Form 5IF – EDLI insurance claim

All applicable forms can be submitted together to avoid multiple follow-ups.

3️⃣ 𝗠𝗮𝗻𝗱𝗮𝘁𝗼𝗿𝘆 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗱

📌 Death Certificate (original or certified copy)

📌 Aadhaar & PAN of the claimant

📌 Bank account details (cancelled cheque or passbook copy)

📌 Legal Heir Certificate / Succession Certificate

    (mandatory if nominee details are missing or invalid)

Accuracy here directly impacts processing time. Incomplete or mismatched details are the primary cause of delays.

4️⃣ 𝗢𝗻𝗹𝗶𝗻𝗲 𝗖𝗹𝗮𝗶𝗺 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 (𝗣𝗿𝗲𝗳𝗲𝗿𝗿𝗲𝗱 𝗠𝗲𝘁𝗵𝗼𝗱)

🔹 Login to the UAN Member Portal

🔹 Submit applicable claim forms and upload documents

🔹 Employer verification and digital approval

🔹 Claim processing by EPFO

✔ Faster

✔ Transparent

✔ Trackable

5️⃣ 𝗢𝗳𝗳𝗹𝗶𝗻𝗲 𝗖𝗹𝗮𝗶𝗺 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 (𝗜𝗳 𝗢𝗻𝗹𝗶𝗻𝗲 𝗜𝘀 𝗡𝗼𝘁 𝗙𝗲𝗮𝘀𝗶𝗯𝗹𝗲)

🔹 Physical submission of claim forms to the concerned EPFO office

🔹 Employer attestation

🔹 Acknowledgement receipt from EPFO

Used mainly in cases of legacy records or UAN issues.

6️⃣ 𝗖𝗼𝗺𝗺𝗼𝗻 𝗥𝗲𝗮𝘀𝗼𝗻𝘀 𝗳𝗼𝗿 𝗖𝗹𝗮𝗶𝗺 𝗗𝗲𝗹𝗮𝘆𝘀

⚠ Aadhaar or KYC mismatch

⚠ Nominee details not updated in EPFO records

⚠ Incorrect / inactive bank account details

⚠ Employer verification pending

𝗘𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗣𝗿𝗼𝗰𝗲𝘀𝘀𝗶𝗻𝗴 𝗧𝗶𝗺𝗲:

⏱ 15–30 working days, subject to correct documentation and approvals.

learn more: https://virikshahrsolution.com/employee-provident-fund-act-services/