Archive · 6 Sep 2026
EPFO Guide Explains Online Claims After Member’s Death
When an EPF member dies, eligible family members or other legal claimants may request the saved money and related benefits.
They can apply for the provident fund, pension, and insurance benefits through the EPFO website.
The UMANG mobile app does not yet offer this service.
Applicants need the member’s UAN, a death certificate, identity details, and bank information.
Form 20 is used to request the PF savings.
Form 10D is used for a pension claim.
Form 5IF is used for the life insurance benefit.
The application uses OTPs sent to the member’s and beneficiary’s linked mobile numbers.
Spouses and children generally share the payment equally, while dependent parents may receive it when there is no spouse or child.
Families, nominees, or legal heirs can claim provident fund, pension, and insurance benefits after an EPF member’s death.
Required documents include the deceased member’s UAN, beneficiary details, death certificate, and bank proof.
Claimants must use Form 20 for PF withdrawal, Form 10D for pension, and Form 5IF for EDLI insurance.
The online process requires OTP verification, death certificate and bank-document uploads, and beneficiary Aadhaar authentication.
A system message about missing service details indicates incomplete past employment records, though the guide does not provide the subsequent resolution steps.
- Who
- Families, nominees, or legal heirs of deceased Employees' Provident Fund subscribers.
- What
- A guide explains how to claim provident fund savings, pension payments, and EDLI insurance benefits.
- When
- After the death of an EPF member; the article also references the FY26 interest rate.
- Where
- Through the official EPFO members portal, or by submitting claims offline.
- Why
- To enable eligible claimants to receive the deceased member’s retirement savings, pension, and insurance benefits.
- FY26 EPF and VPF interest rate
- 8.25%, ratified by the Centre for the third consecutive time.
- Required member information
- The deceased member’s 12-digit Universal Account Number (UAN).
- Required identity information
- The beneficiary’s Aadhaar, name, and date of birth as declared in e-Nomination.
- Required documents
- The member’s death certificate and beneficiary bank proof, such as a cancelled cheque or passbook; each PDF may be up to 2MB.
- PF withdrawal form
- Form 20 for lump-sum withdrawal of the member’s provident fund.
- Pension form
- Form 10D for a monthly pension claim after retirement.
- Insurance form
- Form 5IF for the Employees’ Deposit Linked Insurance (EDLI) benefit.