Death Claim Procedure (Nominee Guide)

What Benefits Can a Nominee Claim?

If an active or inactive EPFO member passes away, their registered nominee (or legal heir) is entitled to three distinct financial benefits:

• 1. PF Corpus (Form 20): The total accumulated Provident Fund balance (Employer + Employee contributions + Interest).
• 2. Monthly Pension (Form 10D): A lifelong monthly widow/widower pension, plus orphan pension for children up to 25 years of age.
• 3. EDLI Insurance (Form 5IF): A lump-sum life insurance payout ranging from ₹2.5 Lakhs to ₹7 Lakhs (only applicable if the member died while in active service).

Online Death Claim Filing Process

If the deceased member had successfully completed e-Nomination and their Aadhaar was seeded, the nominee can file the claim entirely online without visiting the employer:

1. Visit the Member e-Sewa Portal.
2. Do NOT log in with the UAN. Instead, click on the link "Death claim filing by beneficiary" located under the 'Important Links' section.
3. Enter the deceased member's UAN, Aadhaar Number, Name, and DOB as per EPFO records.
4. Enter your (the nominee's) details for authentication. You will receive an OTP on your Aadhaar-linked mobile number.
5. Once authenticated, fill out the integrated forms (Form 20, 10D, and 5IF) presented on the screen.
6. Upload the scanned copy of the Death Certificate and Aadhaar card. (A Bank Passbook/Cancelled Cheque is not required if your bank account is NPCI-verified).
7. Submit using Aadhaar OTP (e-Sign).

Offline Claim Process (If e-Nomination was not done)

If e-nomination is absent, the online system cannot be used. The family must process it physically through the deceased member's last employer:

1. Download physical copies of Form 20, Form 10D, and Form 5IF.
2. Fill them out and attach the original Death Certificate, surviving family member certificate, and bank account proofs.
3. Submit the packet to the employer. The employer will attest the forms with their official seal and signature.
4. The employer or the family must then submit the physical packet to the regional EPFO field office.