EPFO ​​recently issued a circular informing that now bank passbook and checkbook will not be required for claims. Subscribers have got relief from this decision of EPFO. The Employees’ Provident Fund Organization ( EPFO ) has changed the rules of EPFO ​​in May. EPFO ​​said that now users will not have to upload a copy of the bank passbook or check leaf while making a claim.

EPFO said that if the subscriber fulfils all the other eligibility criteria then he need not upload the copy of cheque book or passbook.

Why did EPFO ​​take this decision

EPFO said that this will speed up online claim settlement. Along with this, subscribers will also find it easier to submit claim requests. In fact, earlier many EPFO ​​claims were getting rejected due to not uploading a copy of the check book leaf or bank passbook.

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According to the EPFO ​​circular, this decision has been taken to reduce the number of claim rejections. The exemption of not uploading a copy of the check book leaf or bank passbook has been given only in some cases.

These documents will not have to be given for these claims

According to the EPFO ​​circular, only those members who have completed the rest of the validation process are not required to upload the copy of cheque book leaf or bank passbook.

How can you do claim validation

• EPF members can do bank KYC verification online.
• Similarly, members will have to get DSC (Digital Signature Certificate) to complete the bank KYC verification by the employer.
• Aadhaar details of the bank will have to be verified through UIDAI.

How to make a claim online

• Visit the official website of EPFO ​​https://unifiedportal-mem.epfindia.gov.in/.
• Now log in with the help of UAN number and password.
• After this select the claim section and select one of the claim options.
• Now cross verify all the details showing on the screen.
• After this, all the necessary documents (Documents for EPFO ​​Claim) have to be uploaded.
• Now the member has to validate all the information and submit the claim request.
• After this, the process of your claim will be shown on the EPFO ​​portal.

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That’s why it is beneficial to do nomination for EPF Subscriber. Now EPFO ​​also closes some facilities of non-nomination subscribers.

It is also not that if no one has nominated, then after the death of the EPF account holder, his family members cannot withdraw his money. Even if a subscriber has not declared his nominee, his family members can claim by filling Form 20.

Who will get the money

without nomination If an EPF account holder dies, then the family members have to fill Form Form 20 to withdraw the money. The rule of EPFO ​​is that if the subscriber has not made the nomination and he dies, then the money deposited in EPF is distributed equally among the family members.

EPFO considers these as Family Members

Family members include spouse, children (married or unmarried), dependent guardians, dependent guardians of the husband of the subscriber in case the subscriber is female, widow of the son of the subscriber and her children.

Form 20 has to be filled

The family of the EPF account holder has to fill Form 20 to get the form money. In this, the names of the family members who are entitled to receive the money will have to be given. The company will give information about the family members where the EPF subscriber used to work. If for some reason the company cannot give this information, then the list of family members will have to be certified and submitted by the Executive Magistrate. Along with Form 20, a photocopy of death certificate and canceled check will also have to be attached.

If there is a will then it will take more time

If the subscriber has made a will then it may take more time to get the claim. This happens because the succession certificate of the will has to be given. This is done as a precaution so that no one else can make such a claim in future. Its investigation takes time due to which the claim is received a little late.

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