Sudden Employee Loss: How to Secure EDLI Benefits for the Family?

An employee of my organization has passed away due to a heart attack while on duty. Does he qualify for the EDLI scheme, and if so, how can we ensure his family receives the benefits of EDLI?

Sorry to hear about your loss. Yes, the nominees of the deceased employee are eligible for the EDLI Benefit. You need to process the claim through the "Composite Claim Form in Death Cases" ([Form-20 (PF Payment)/Form-10-D (Pension)/Form-5 IF (EDLI)]). All claims can be applied for using this single form.

You need to collect the Death Certificate, proof of Marriage (in case of a married employee), Legal Heir Certificate, Bank Account details, etc., from the nominee of the employee.

By the way, how long did the deceased employee work with your organization?

Thank you for responding. The employee has been working with us since December 2021, and unfortunately, he passed away in January 2023.

Why not? He is also eligible. This is not like General Insurance. At the time of premium payment, the agent can speak sweetly. When we are making a claim, there are 1000 conditions, but in EDLI, it's not like that.

Under EDLI, the person entitled to receive the PF accumulations of the deceased is also entitled to receive the EDLI benefits, apart from the Monthly EPS benefits.

Calculation of EDLI Amount
The EDLI amount is calculated based on the average monthly salary drawn during the twelve months preceding the month of the member's demise, multiplied by thirty-five times plus fifty percent of the average balance in the account of the deceased in the fund.

The amount arrived at is further subject to a ceiling of Rs. 1,75,000; provided that the assurance benefit shall not be less than Rs. 2,50,000 and the maximum shall not exceed Rs. 7 lakh.