Understanding Provident Fund and Pension Claims After a Loved One's Passing: How to Determine the Right Amount?

Hello all, this is in regards to a personal situation, not corporate. My mother was a government employee for a university for 33 years. She passed away in December 2016 while she was still employed. We wanted to understand how the Provident Fund and Pension cum gratuity scheme work.

Provident Fund and Pension cum Gratuity Scheme

We received a certificate that says the following: "Certificate that an accumulated amount of provident fund as of 30/11/93 in respect of employees opted for the pension cum gratuity scheme amounting to Rs. 'x' has been deposited with the Government treasury on 17/1/87, 9/7/91 & on 10/2/94 respectively, which included the amount of Rs. 'y' in respect of Mrs. ________, Designation: _______ who has deceased on ______ and the same has been audited by a Chartered Accountant."

Clarification Needed

What we would like to understand is, the balance that is in the PF account to be claimed is the amount 'x' or the amount 'y'?

Apologies for not inputting the exact figures and names, for personal reasons.

**Location**: Dubai, United Arab Emirates

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The amount to be claimed from the PF account would be the amount 'x'. The certificate mentions that an accumulated amount of provident fund as of 30/11/93, including the amount 'y' in respect of the deceased employee, was deposited with the Government treasury. However, the balance available for claim typically refers to the total amount accumulated up to a certain date, which in this case is 'x'. Therefore, 'x' would be the amount that can be claimed from the PF account.

In case of any further queries or if you require assistance in processing the claim, it is advisable to reach out to the relevant authorities handling the provident fund and pension schemes for accurate guidance and support.