Sir my mom has joined epf membership on aug-2020 at age of 61 years as a clerk in pvt. Firm before this join ship she not an employee of any firm or nor epf member. From August -2020 to sep-2021 every month him epf contributions are deposited to EPFO regularly. Due to illness, she was admitted in the hospital on 12/10/2021 & on 13/10/2021 she died. Employer asked me that they & their consultant were not aware of EDLI. So he asked me that pls asked a knowledgeable person. In this scenario how can i receive EDLI benifit as a nominee? What is date of exit in this case? Date of death(13/10/21) or date of hospital admission(12/10/2021) & how many days ECR (epf contribution) employer deposited to epfo? For 11 or 12 or 13 days? How many NCP days? Which docs Are required for EDLI?
From India
Management Consultancy


The purpose of the EDLI scheme is to offer financial security to the family members of the policyholder (deceased person). Family members mean spouse, unmarried daughter or male child up to 25 years of age. There is no contribution by the employee to EDLI, the entire contribution is borne by the employer. When the employer deposits PF, the EDLI Contribution is included.
The calculation of EDLI is given below
{Average Monthly Salary of the Employee for the last 12 months (capped at Rs.15,000/- p.m.) x 30 } + Bonus Amount (Rs.2,50,000/-) the maximum payout under EDLI is capped at Rs. 7,00,000/-.

To process the claim under EDLI, the following documents are to be submitted by the claimant: –

Duly completed Form 5 IF
Death Certificate of the insured person.
Succession Certificate in case the legal heir files the claim.
Guardianship Certificate if the claim is filed on behalf of a minor by a person other than the natural guardian.
Copy of cancelled cheque for the account in which the payment is to be received.

The process to be followed by the nominee or claimant to receive the amount under EDLI is as follows:

The benefits can be claimed by the nominee specified by the insured person. If no nominee was registered, then the family members or legal heirs can apply for the same.
EDLI Form 5 has to be duly completed and submitted by the claimant.
The claim form has to be signed and certified by the employer.
The claimant must submit all the documents along with the completed form with the regional EPF Commissioner’s Office for processing of the claim.
The claimant can also submit Form 20 (for EPF withdrawal claim) as well as Form 10C/D to claim all the benefits under the three schemes, EPF, EPS and EDLI)
Any additional documents required must be furnished at the earliest to process the claim.
Once all the documents are provided and the claim is accepted, the EPF commissioner must settle the claim within 30 days from the receipt of the claim. Otherwise, the claimant is entitled to interest @12% p.a. Till the date of actual disbursal.

From India, Mumbai

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