EPFO: How will the family receive PF, pension, and insurance money after the employee's death? Learn the easy way to claim..

EPFO Death Claim: The death of a family member is a very sad and difficult time, especially when that person is the primary breadwinner. During such times, the family faces both emotional and financial challenges. However, if the deceased worked for a private company and PF was deducted from their salary, the family can receive financial assistance from the Employees' Provident Fund Organization (EPFO). This includes PF deposits, pension, and insurance benefits. The family or nominee must complete certain necessary procedures. Let's learn about these:

First, obtain a death certificate.
A death certificate is the most important document for making any claim. Therefore, the deceased's death certificate should be obtained first. This document is required for almost all PF claims, insurance, and bank-related matters.

PF, Pension, and Insurance Benefits
If PF was deducted from the employee's salary, the nominee can receive the entire amount deposited in their account. Additionally, if the employee has worked for five years or more, their spouse can also receive pension benefits. Children can also receive pension benefits up to a certain age.

Furthermore, if the employee dies while in service, the family can receive financial assistance of up to ₹7 lakh under the Employee Deposit Linked Insurance Scheme (EDLI).

How to File an EPFO ​​Death Claim?
These days, the EPFO ​​has simplified the claim process. If the deceased employee's UAN is linked to Aadhaar and the nominee's name is already registered, the claim can be filed online.

First, go to the EPFO's Unified Member Portal.

Select the 'Death Claim Filing by Beneficiary' option.

Following this step, you must enter the deceased employee's UAN number, nominee's name, date of birth, and Aadhaar-related information.

After entering the information, an OTP is sent to the nominee's Aadhaar-linked mobile number. After entering the OTP, verification is complete.

Following this, various forms must be filled out, such as Form 20 for PF withdrawals, Form 10D for pensions, and Form 5IF for insurance claims.

Finally, copies of essential documents, such as the death certificate, a canceled check of the nominee, and a passport-size photo, must be uploaded.

The form is then submitted using an Aadhaar-based e-signature.

Important Bank and Loan Tasks
The family should be aware that withdrawing money from the deceased's ATM card may be inappropriate. It is best to go to the bank and transfer the funds to the account through the nominee. Also, check whether any of the deceased's loans were covered by insurance. If insurance is available, the insurance company can repay the remaining loan amount.

Completing the claim process with the correct information and necessary documents can help the family receive financial assistance, which can be a significant support during difficult times.

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