Navigating Pension Linking After Retirement: Can I Still Connect My Accounts at 58?

anil sinha
I retired in Jan 2005. Following are my service details:

1. Organization 1 - Feb 1990 to April 2000. Scheme certificate for 9 years of eligible service.
2. Organization 2 and 3 - Up to Dec 2004 - No PF deduction.
3. Organization 4 - Jan 2005 to May 2007 - PF deduction but no scheme certificate.
4. Organization 5 - July 2007 to Dec 2009 - No PF deduction.
5. Organization 6 - Feb 2010 to Jan 2015 - PF deduction.

I have withdrawn my PF amount. How do I go about getting a pension? I completed 58 years in Jan 2015. I have not linked my accounts. Can I link them now?
KK!HR
You are eligible for a pension, but your pension accounts need to be linked. Hopefully, your pension contributions were directed to the same RPFC Office, and you have the respective EPS numbers, except for Organization No. 4, which will make the linking process easier.

In Organization 4, your EPS contribution must exist, as it is unlikely that you are a PF member without an EPS deduction. However, you will need to patiently work with RPFC authorities to link your past accounts.
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