In June 2025, the Employees’ Provident Fund Organisation (EPFO) rolled out a revised rule offering insurance coverage of up to ₹7 lakh to eligible employees under the Employees’ Deposit Linked Insurance (EDLI) Scheme. This policy overhaul enhances the financial safety net for millions of workers enrolled in the EPF scheme. With the new EPFO Insurance Claim Rule 2025, dependents of deceased employees can now claim a significantly higher amount, subject to certain eligibility conditions and procedural requirements.
Who Is Eligible Under the New EPFO Insurance Benefits in 2025?
The updated insurance benefit applies automatically to all active EPFO members, provided their employer contributes to the EDLI scheme. Employees do not need to pay any premium for this cover. Key eligibility criteria include:
- The deceased must have been in active employment at the time of death.
- At least 12 months of continuous PF contributions in the preceding 12 months is required.
- The employer must have deposited contributions under the EDLI scheme.
This insurance scheme primarily supports the nominee or legal heir of the EPFO member.
PF Insurance Claim Process: Step-by-Step Guide for 2025
Understanding the PF insurance claim process is crucial to accessing this benefit in time. Here is how the claim can be filed:
- Obtain Form 5 IF: The nominee/legal heir must fill out Form 5 IF, available on the EPFO portal.
- Attach Supporting Documents: This includes the death certificate, ID proof of the claimant, and a copy of the cancelled cheque or bank passbook.
- Submit Through Employer or Directly to EPFO Office: The form can be routed via the employer or submitted directly to the regional EPFO office.
- Track Claim Online: Once filed, the status can be tracked on the EPFO member portal.
- Claim Settlement Timeline: EPFO aims to process and release claims within 30 days from submission.
New EDLI Payout Structure Explained
The payout calculation under the new rule is now aligned to provide more realistic compensation:
| Component | Details |
|---|---|
| Base Amount | ₹2.5 lakh minimum |
| Maximum Payout | Up to ₹7 lakh based on last drawn salary |
| Salary Multiplier | 35x of last monthly salary (Basic + DA) |
| Additional Bonus | ₹150,000 fixed |
This structure ensures that families of higher-salaried employees receive more meaningful support.
Key Takeaways for EPF Members in June 2025
This rule reinforces the government’s commitment to worker welfare. As of June 2025, EPFO members and their families should ensure:
- All PF contributions are up-to-date
- Nominee details are updated in the UAN portal
- Awareness of the claim process is high within the family
Given the enhanced payout, keeping employer compliance with EDLI contribution is critical.
Conclusion
The revised EPFO Insurance Claim Rule 2025 delivers meaningful financial relief at a time when families need it most. By simplifying the PF insurance claim process and increasing the payout to ₹7 lakh, EPFO has responded effectively to the real needs of working families. EPF members should take proactive steps to ensure their eligibility and inform their nominees.
FAQ
What is the maximum insurance payout under EPFO in 2025?
The maximum payout has been raised to ₹7 lakh under the revised EDLI scheme.
Is there any premium payment required by the employee?
No, employees do not pay any premium. The employer makes the necessary contribution.
How can I file the PF insurance claim?
You can file it using Form 5 IF either through your employer or directly at the EPFO office with necessary documents.
Who can claim the EPFO insurance benefits?
Only the nominee or legal heir registered with EPFO is eligible to claim.
What is the processing time for the claim in 2025?
EPFO aims to settle claims within 30 working days from the date of submission.
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