Dear Sir,
We, the parents of the only son who was the sole breadwinner of the family and is now deceased, have a concern regarding the distribution of the Employee's Deposit Linked Insurance (EDLI) amount. The company is planning to give the entire sum to the wife, even though we are the nominated recipients. We would like to inquire if we are eligible to claim a portion of the amount and if so, what percentage we may be entitled to.
Your prompt attention to this matter would be greatly appreciated.
Regards,
Old Parents
From India, Bengaluru
Acknowledge(0)
Amend(0)
We, the parents of the only son who was the sole breadwinner of the family and is now deceased, have a concern regarding the distribution of the Employee's Deposit Linked Insurance (EDLI) amount. The company is planning to give the entire sum to the wife, even though we are the nominated recipients. We would like to inquire if we are eligible to claim a portion of the amount and if so, what percentage we may be entitled to.
Your prompt attention to this matter would be greatly appreciated.
Regards,
Old Parents
From India, Bengaluru
Acknowledge(0)Amend(0)
please note that EDLI is not paid by the Company but by EPFO.Though you are nominated, subsequent to marriage, Wife is entitled for all the benefits paid by EPFO
From India, New Delhi
Acknowledge(0)Amend(0)
631From India, New Delhi
Acknowledge(0)Amend(0)
Respected Old Parents,
You had mentioned in the post that you had an only son who was the sole breadwinner of the family. If that is true and you were fully dependent on him, you can make an appeal to the PF Authority through the employer of your son. If they don't agree, approach directly the PF Office (Meet PRO or The Asst. PF Comm. of his group) with your son's PF account details. Inform them that you were fully dependent on your deceased son and also the nominee to PF.
Although his wife claims as a legal heir for insurance money, you may state in your application that your daughter-in-law may remarry after getting the insurance claim. If your daughter-in-law is a working woman, you may state that she has a source of income. Your case may be considered on humanitarian grounds for some percentage by the PF department.
You may quote the following for Deposit Linked Insurance Benefit.
Who can claim the benefit in EDLI or Employee Deposit Linked Insurance?
This insurance works exactly like term insurance. Hence, after an employee's death, his nominee can claim the amount, and below are a few points to consider:
- A nominee can claim the amount.
- In case there is no nomination, then the legal heir can claim the amount.
- If the nominee or legal heir is a minor, then a guardian of the minor nominee can claim the amount.
Best of Luck,
Suresh
From India, Thane
Acknowledge(0)Amend(0)
You had mentioned in the post that you had an only son who was the sole breadwinner of the family. If that is true and you were fully dependent on him, you can make an appeal to the PF Authority through the employer of your son. If they don't agree, approach directly the PF Office (Meet PRO or The Asst. PF Comm. of his group) with your son's PF account details. Inform them that you were fully dependent on your deceased son and also the nominee to PF.
Although his wife claims as a legal heir for insurance money, you may state in your application that your daughter-in-law may remarry after getting the insurance claim. If your daughter-in-law is a working woman, you may state that she has a source of income. Your case may be considered on humanitarian grounds for some percentage by the PF department.
You may quote the following for Deposit Linked Insurance Benefit.
Who can claim the benefit in EDLI or Employee Deposit Linked Insurance?
This insurance works exactly like term insurance. Hence, after an employee's death, his nominee can claim the amount, and below are a few points to consider:
- A nominee can claim the amount.
- In case there is no nomination, then the legal heir can claim the amount.
- If the nominee or legal heir is a minor, then a guardian of the minor nominee can claim the amount.
Best of Luck,
Suresh
From India, Thane
Acknowledge(0)Amend(0)Join Our Community and get connected with the right people who can help. Our AI-powered platform provides real-time fact-checking, peer-reviewed insights, and a vast historical knowledge base to support your search.
PF & Pension Amdmt Scheme 2010 for IW.pdf