Following are the points on which I need clarification:-

1) How much duration of service is required for eligibility of EDLI benefits.

2) If any employee dies in 11th year of service, will the nominee can withdraw 100% of pension amount.

3) if any employee resign at 11th year of his service, do he is eligible to withdraw 100% of pension amount.

4) do any nominee is eligible for both pension parallely (ESI & EPF).

5) Any employee dies when he was on off duty, do the nominee is eligible for ESI & EDLI benefits.

Please clear my doubts.

From India, Korba
Management Consultancy


The queries are answered below at seriatim:
1. The EDLI is a part of the PF package and the coverage is automatic with the PF membership. The coverage is not dependent on the length of service of the employee, it is a life insurance, contributed entirely by the employer and is redeemable in the event of death of the employee while in service.
2. The nominee is eligible to get the EDLI sum assured, the maximum assurance benefit under the ‘Employees’ Deposit Linked Insurance’ (EDLI) scheme is increased to Rs 7 lakhs since 28 April 2021 from earlier limit of Rs 6 lakh. The pension is payable under the EPS
3) In EDLI no pension is payable, in EPS the employee or nominee cannot withdraw 100% of pension amount. Pension will be a regular monthly payment.

4) No pension is payable under the ESI Scheme. It is permanent disability benefit or dependent benefit and is entirely separate from the pension under the EPF Scheme//EPS.

5) ESI & EPF Schemes are totally different in scope and application, the eligibility in one doesn't create any effect on the applicability of the other. They are not mutually exclusive.

From India, Mumbai

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