How To Make Claims Under Employees' Deposit Linked Insurance Scheme (EDLI)

The Employees' Deposit Linked Insurance Scheme (EDLI) is a social security scheme administered by the Employees' Provident Fund Organization (EPFO) in India. Under this scheme, employees who are members of the Employee's Provident Fund (EPF) are provided with a life insurance cover. This system works in tandem with the Employees' Pension Scheme (EPS) and the EPF. If an accident happens while the individual is on active duty, the nominee will get a lump-sum insurance payment.

What is EDLI Scheme?

The EDLI scheme was established in 1976 to provide insurance benefits to EPFO members. The main goal of EPFO behind this programme was to ensure that members' families receive financial help in the event of a member's death. There are no exclusions in this insurance plan. The insurance coverage is based on the pay earned in the past 12 months of employment prior to death.

Eligibility Criteria for EDLI

• Nominees are members of the family who have been nominated under the EPF Scheme.
• In the absence of a nomination, all family members (excluding major sons, married daughters with major sons, and married grand-daughters) are eligible.
• Legal heir in the absence of a family and a nomination.
• Guardian/family member/legal heir of a minor nominee

Features of the EDLI scheme

• The nominee or legal successor of an EPF member who dies while in service would get a maximum assured benefit of Rs 7 lakh.
• If the dead member was in continuous employment for 12 months preceding to his or her death, the minimum guarantee payout under the EDLI scheme 1976 is Rs 2.5 lakh.
• This life insurance benefit is available to EPFO members at no cost to PF/EPF account holders.
• Employer contributions are capped at 0.5% of monthly earnings up to Rs 15,000; employee contributions are non-existent.
• Members of the PF are immediately registered in the EDLI scheme.

Documents required to file claim under EPF, EPS and EDLI

The following documents will need to be submitted:
a) EPF member's death certificate
b) claimants' date of birth certificate
c) claimant/s' bank account proof (cancelled cheque/passbook) EPFO gives clarification on EDLI insurance claims
d) Aadhaar number of the beneficiary
e) Photograph of the claimant/s

How to file the claim online?

Step 1: Go to the EPF portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
Step 2: Click the 'Death claim submission by beneficiary' link.
Step 3: The nominee must input the following information: the beneficiary's Universal Account Number (UAN), Aadhaar number, name, date of birth, and captcha code. Once the information has been entered, click on Authorised Pin.
Step 4: An OTP will be generated to the beneficiary's Aadhaar-linked mobile number. After submitting the PIN, the beneficiary can file a death claim with EPFO.