Guidance on Transferring Monthly Pension After the Death of a Spouse

Hi,

My father passed away 10 months ago, and he used to receive a monthly pension. For its renewal, he submitted a Life Certificate annually. Since he is no longer with us, can we have this monthly pension transferred to my mother's name? If yes, what is the procedure to transfer the pension into her name, and what documents are required? When do we need to submit the request for the pension transfer? My father was not a government servant.

Thanks and Regards,

Dear Madhu,

First of all, you should inform the PF Authorities and the bank about the sad demise of your father. They will immediately stop the pension because taking the pension of a deceased person is illegal.

As the legal heir of your father, your mother will be entitled to the pension. Please contact the PF Authorities to ask what documents are required to start your mother's pension. Though it may be a difficult and time-consuming process, you are legally entitled to it.

If you do not receive a proper response from the officials promptly, have patience and bring your concerns to the grievance cell. Before submitting your documents, ensure you have done proper homework and scrutinized the documents thoroughly.

If possible, you can seek the services of a consultant who has sufficient expertise in this matter and connections with the department. This might be a bit costly, but it will help you complete the process quickly with minimal effort.

Was your father a government employee before retirement or a beneficiary of the EPF?

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You should first clarify whether your father was receiving a pension from EPF or any other government organization. Either way, the widow is eligible for a pension. In the case of EPF, children below 25 years are also eligible for this benefit. There must be a 'pension paying order' normally referred to as PPO, which you should be able to locate in his documents. If not, please approach your bank to obtain a copy, as they should have it. The eligible pension amount for the widow and minor children is specified in the PPO. For EPF pensions, the bank can settle the matter upon the presentation of the death certificate. I am not familiar with other government pension schemes. If it is an EPF pension, please contact the pension paying bank.

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Hi there,

My father-in-law worked with ACC Cement in Chandrapur, where he had his salary account. After retirement, he moved to Kolkata and received his pension at the SBI bank in Kolkata. After his passing, we are attempting to transfer the pension to my mother-in-law's account, which is located in Kolkata as well.

We recently received a letter from the PF office instructing us to open an SBI account for my mother-in-law in Chandrapur, where my father-in-law retired. However, the letter does not provide any contact information, such as an email address or phone number, to address any queries or concerns. This situation seems illogical to us as we have no ties to Chandrapur and lack the necessary supporting documents.

Due to these circumstances, no bank, whether it be SBI, PNB, or others, would be willing to open an account for her. We are currently at a standstill and seeking assistance to resolve this matter. Your help would be greatly appreciated.