Dear members, Could anyone provide information on the below matter. One employee was working till Oct/2019. (wages paid and accordingly, pf contribution remitted) From Oct/2019 t0 Mar/2020 he couldn't come to duty due to medical issues and he was marked as LOP during the said period. unfortunately, he died in april/2020.
Now want to proceed death claim to EPFO. in that query arise that whether he is eligible to EDLI or not.
whether this case will be considered death while in service or not? Please provide a solution to proceed.

From India, Mumbai
Since he was on roll till his death in April 2020, he was in employment till that date. All claims has to be processed as if he was an employee till April 2020. Accordingly he will be treated as if he died while in service. Was he covered under ESI while in service? What his office was doing from April 20 till date, no action taken?
EDLI: The Eligible claim amount under the EDLI scheme is calculated 30 times of the last basic salary which was drawn by the employee before death + 50% of the average balance in the member's account or amount during the last 12 months /entire period of his/her membership whichever is lower with an upper limit.
The Employees’ Deposit Linked Insurance Scheme(EDLI) is an insurance cover provided by the Employees’ Provident Fund Organization (EPFO). A nominee or legal heir of an active member of EPFO gets a lump sum payment of up to ₹ 6 Lakhs in case of death of the member during the service period. All organizations covered under Employees’ Provident Fund (EPF) and Miscellaneous Provisions Act, 1952 get enrolled for EDLI automatically. This scheme works in combination with EPF and EPS.he main objective of EPFO behind this scheme was to ensure that the family of members get financial assistance in case of death of the member. There is no exclusion under this insurance scheme. The insurance cover depends on the salary drawn in the last 12 months of the employment before death.
here is no minimum service period for availing EDLI benefits
The employer has to make the contribution for EDLI and no fee can be deducted from the employee’s salary
The claim amount under ELDI is 30 times the average monthly salary in the past 12 months subject to a maximum of 6 lakh (4.5 lakh basic + 1.5 lakh bonus).
The average monthly salary is calculated as the Basic + Dearness Allowance of the employee
A bonus of ₹ 1.5 Lakhs is also applicable under this scheme
The employer can opt out of the scheme in case he takes a higher paying life insurance scheme for employees under Section 17 (2A)
EDLI Calculation
The insurance amount that the heirs of a deceased member get is calculated as 30 times the average monthly salary in the last 12 months of employment.
The maximum average monthly salary of an employee is capped at ₹ 15,000
So, 30 times the salary comes to be around to be 30 x ₹ 15,000 = ₹ 4,50,000
A bonus amount of up to ₹ 1,50,000 is also paid to the claimant under this scheme
Thus, the total amount payable under this scheme to the beneficiary is ₹ 6,00,000
EDLI Form 5 IF
EDLI Form 5 IF is filled by the nominees, heirs or family members of the member after his death to claim the insurance amount under EDLI Scheme. The form has to be filled separately by each claimant. In case of a minor claimant, the guardian has to fill the form on his behalf. In case of more than one minor where the guardian is the same, a single form has to be filled by the guardian.
The form has to be filled offline and the employer has to furnish the certificate mentioning the date of death of the member. The mode of fund transfer has to be mentioned as well.
The form has to be submitted to the regional EPF Commissioner’s office along with the required document proofs. The claim has to be settled in 30 days and if the EPF commissioner is not able to settle the claim within 30 days, he will be liable to pay an interest of 12% per annum from the deadline date to the date of actual disbursal.
How to Claim EDLI Benefits
Form 5 IF has to be filled to get the insurance benefits after the death of the member
The member should have been (at the time of his death), an active contributor to the EPF scheme
The benefits can be claimed by the nominee of the member
In case no nominee is declared, the surviving family members will be eligible for claiming the benefits. Family under EPS is defined as spouse, male children (up to 25 years), unmarried daughters.
If there are no surviving family members, the insurance benefits can be claimed by the legal heir of the deceased member
The claim form has to be signed and certified by the employer
In case there is no employer, the form has to be attested by any one of the following:
- Gazetted Officer; Magistrate; President of Village Panchayat; Chairman / Secretary / Member of Municipal or District
Local Board; Postmaster or Sub Postmaster; MP or MLA; Member of CBT or Regional Committee of EPF; Bank
Manager (of the bank in which the account was maintained.
Form 5 IF can be filled along with the Form 20 (EPF withdrawal claim in case of the deceased member) and Form 10C/Form10D to claim benefits of all three schemes (EPF, EPS and EDLI) in one go.
Eligibility Criteria for EDLI
Following persons are eligible to apply for claiming insurance benefits under the EDLI Scheme:
Members of the family (Nominees) nominated under EPF Scheme.
In case of no nomination, all members of the family (except major sons, married daughters with major sons, and
married grand-daughters).
In case of no family, and no nomination, legal heir.
Guardian of a minor nominee/family member/legal heir
Documents Required for EDLI
The claimant has to submit the following documents along with the Form 5 IF to get the amount disbursed under the EDLI scheme:
Death Certificate of the member
Guardianship certificate if the claim on behalf of a minor family member/nominee/legal heir is by other than the
natural guardian.
Succession certificate in case of a claim by the legal heir.
Copy of a cancelled cheque of the bank account in which payment is opted.
In case the member was last employed under an establishment exempted under the EPF Scheme 1952, the employer of
such establishment should furnish the PF details of last 12 months under the Certificate part and also send an attested
copy of the Member’s Nomination Form.

From India, Bangalore

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