Archive · 27 Jul 2026
Claiming EPF Benefits After Member's Death
If someone who has an Employees' Provident Fund (EPF) account passes away, their family can claim the money and benefits online.
The family needs to provide some documents like the death certificate and their own ID.
They can get the money as a lump sum, a monthly pension, or insurance benefits.
The government sets the interest rate each year, and there are rules about how much can be taken out and how much is tax-free.
If the family has trouble claiming the money, they can ask the EPFO for help.
Families of deceased EPF members can claim benefits online through the EPFO portal.
The provident fund is first paid to the nominee or distributed among eligible family members.
Required documents include the deceased's UAN, beneficiary's Aadhaar, death certificate, and bank details.
Beneficiaries can claim a lump-sum provident fund, monthly pension, or insurance benefits.
EPF interest rate for FY2025-26 is 8.25%, with tax benefits on contributions and interest.
- Who
- Families of deceased EPF subscribers
- What
- Claiming provident fund, pension, and insurance benefits
- When
- After the member's death
- Where
- Through the EPFO portal
- Why
- To access the accumulated savings and benefits
Nominee Priority
Legal Heirs
Priority of Claimants
Nominee Priority
The provident fund is first paid to the nominee registered by the member.
Legal Heirs
If no nomination exists, the amount is distributed equally among eligible family members.
- Interest Rate for FY2025-26
- 8.25%
- Tax Deduction Limit
- ₹1.5 lakh under Section 80C
- Tax-Free Employer Contribution
- Up to 12% of salary
- Partial Withdrawal Limit
- Up to 75% of the eligible corpus
- Required Documents
- UAN, Aadhaar, Death Certificate, Cancelled Cheque/Bank Passbook