Procedure for EPF Withdrawal on death? (here are 6 documents required)

Jagoinvestor

6 years ago

A lot of EPF accounts are lying unclaimed after the death of an employee. Families have no idea how to claim the EPF money and what is the process?

Today I will share with you how your family will be able to withdraw the EPF account money in case something happens to you.

How to claim EPF money after the death of an employee?

Once a person is dead, the beneficiaries of the dead employee can proceed with the process of withdrawing the EPF money. The first right is of the nominee who was mentioned in the EPF by the account holder. Mostly it’s a father or mother as most of the people are unmarried when they start their careers and they mention one of the parents as a nominee.

Here are the documents one need to submit

1 EPF Composite Form The first form is called the Composite form for death cases, which is a single form to be filled to claim EPF, Insurance money and any pension amount.

2 Death Certificate You need to provide the death certificate of the EPF account holder who had died.

3 Birth certificate of children claiming pension If there are children of the deceased who are claiming the EPF, they need to provide the birth certificate for each of them

4 Joint photograph of claimants One has to provide a joint photograph of all the claimants together. This is to make sure that there is no fraud in the name of claimants.

5 Copy of cancelled cheque or attested copy of the first page of Bank Pass Book To make sure there is proof of the account where the money is is going, one has to provide a copy of the cancelled cheque or the first page of the bank passbook

6 EPS Scheme certificate (only if applicable) This is a certificate which is a document that has all the details of who will get the pension etc after the death of a member. It’s issued by EPFO and this is applicable only when there is a pension part applicable.

How does the EPF Composite form look like

Here is a snapshot of how the EPF composite form in death cases looks like. This is the main document that one has to fill if they want to claim the EPF amount.

You can also download the EPF Composite form for death cases here.

Share this information with your Family

As you can see, that the process of claiming EPF is lengthily and painful, you should make sure that you make it easy for your family members to claim back the EPF money. Hence please do the following things

Keeping all of your important information in one place which is safe and accessible to your family
Please update the nominee of your EPF to someone whom you really want it to go
If you have a WILL, mention the beneficiary who should get the EPF money

I hope you get a clear idea about the EPF claiming process now. If you have any query please reply in the comment section.

1	EPF Composite Form	The first form is called the Composite form for death cases, which is a single form to be filled to claim EPF, Insurance money and any pension amount.
2	Death Certificate	You need to provide the death certificate of the EPF account holder who had died.
3	Birth certificate of children claiming pension	If there are children of the deceased who are claiming the EPF, they need to provide the birth certificate for each of them
4	Joint photograph of claimants	One has to provide a joint photograph of all the claimants together. This is to make sure that there is no fraud in the name of claimants.
5	Copy of cancelled cheque or attested copy of the first page of Bank Pass Book	To make sure there is proof of the account where the money is is going, one has to provide a copy of the cancelled cheque or the first page of the bank passbook
6	EPS Scheme certificate (only if applicable)	This is a certificate which is a document that has all the details of who will get the pension etc after the death of a member. It’s issued by EPFO and this is applicable only when there is a pension part applicable.