Also Read | No Compromise: 9 Indian Railways Rules Every Passenger Needs to Know in 2025

Here is the raw field report on the critical benefits you need to claim immediately:

1. Employer Payouts: Salary, Bonus, and Leave

The company must process the following as part of the final settlement:

• Pending Salary: Wages for the days the employee worked until death.

• Bonus/Incentive: Any pending or annual performance bonuses.

• Leave Encashment: Payment for any unused or accrued leave.

2. EPF Balance (The Main Fund)

The nominee is entitled to the full EPF balance, which includes the employee’s contribution, the employer’s contribution, plus all accrued interest.

• Claim Process: If nominated, claims can be filed online via the EPFO portal. If no nominee is registered, the legal heir must submit a Succession Certificate for an offline claim.

Also Read | No Compromise: 9 Indian Railways Rules Every Passenger Needs to Know in 2025

3. Gratuity Benefit

Gratuity is a major, often overlooked, benefit. The kicker is, the usual rule of completing five years of service does not apply when death occurs during service.

• Maximum Limit: The maximum gratuity is legally ₹20 lakh.

• Calculation: It’s calculated based on the last drawn salary and total service using the formula:

  $$\text{Last salary} \times \frac{15}{26} \times \text{number of years of service}$$

4. EDLI Insurance (Free Life Cover)

The Employee Deposit Linked Insurance (EDLI) is a free life insurance cover. The employee pays no premium; the employer covers the entire cost.

• Payout: The nominee can receive insurance money ranging from ₹2.5 lakh to ₹7 lakh, depending on the employee’s average salary over the last 12 months.

• The Thing Is: This claim can be filed simultaneously with the PF claim using the same process.

5. EPS Family Pension (Monthly Income)

If the deceased employee completed at least 10 years of service and was an EPS member, the family is eligible for a monthly pension under the Employees’ Pension Scheme.

• Spouse: Gets the pension for life.

• Children: Receive a pension until the age of 25. Disabled children get it for life.

• Unmarried Employee: Parents can claim the monthly pension.

This financial cushion is vital during a traumatic time. Families must be aware of these entitlements to ensure no benefit goes unclaimed……

Also Read | No Compromise: 9 Indian Railways Rules Every Passenger Needs to Know in 2025

Disclaimer: This information is based on current regulations under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, and associated schemes like EPF, EPS, and EDLI.

The post Beyond PF: What EPFO Nominees Can Claim After Death—Full Gratuity, EDLI Insurance, and Family Pension first appeared on Rightsofemployees.com.