EPFO Death Claims Online: How Nominees Can Claim Provident Fund, Pension and Insurance Benefits
Families of deceased EPFO subscribers can file online claims for provident fund savings, pension payouts, and EDLI insurance benefits. The stepwise process requires the member's UAN, death certificate, and beneficiary bank proofs via designated forms. The Employees' Provident Fund Organisation defines the immediate family as a spouse and children.
Navigating financial formalities following the death of an Employee's Provident Fund (EPF) subscriber involves specific digital processes. Nominees and legal heirs can file claims online for accumulated provident fund savings, pension payouts, and insurance benefits through the official EPFO portal at unifiedportal-mem.epfindia.gov.in.
Required Documents and Forms
Claimants must compile specific digital records before initiating the online process. Required documents include:
- The deceased member's 12-digit Universal Account Number (UAN).
- The beneficiary's name, date of birth, and Aadhaar details as declared in the e-Nomination.
- A digital copy of the member's death certificate in PDF format (maximum size 2MB).
- Beneficiary bank account proof, such as a cancelled cheque or bank passbook (maximum size 2MB). EPFO: What Are the 5 EPF Services Available on Umang App?
Depending on the specific benefit sought, applicants must submit designated EPFO forms:
- Form 20: For lump-sum withdrawal of the member's provident fund balance.
- Form 10D: For monthly pension claims under the Employees' Pension Scheme (EPS).
- Form 5IF: For the Employees' Deposit Linked Insurance (EDLI) life insurance benefit.
Family Eligibility Rules
The Employees' Provident Fund Organisation defines the immediate family as a spouse and children. If a deceased subscriber is unmarried and has no children, payouts transfer to dependent parents. If no eligible family members or formal nominees exist, the total sum is payable to legally entitled individuals.
Stepwise Guide To Claiming Online
- Visit the official EPFO members portal at unifiedportal-mem.epfindia.gov.in/memberinterface/no-auth/nomineeAppForm.
- Enter the deceased member's UAN, along with the beneficiary's Aadhaar details, name, date of birth, and the verification captcha code, then click Get Authorisation PIN.
- Input and validate the One-Time Password (OTP) sent to the member's registered mobile number.
- Select and complete the death claim section by entering the date of death and uploading the death certificate.
- Provide contact details and choose the appropriate claim option: Form 20 for PF withdrawal, Form 10D for pension, or Form 5IF for insurance benefits.
- Enter the required banking details, upload a scanned cancelled cheque for verification, and submit the application using an OTP sent to the beneficiary's Aadhaar-linked mobile number. EPFO VISHWAS 2026: Employers Have Till December 28 To Settle Legacy PF Disputes; Check Process.
While navigating the digital claim process requires meticulous attention to detail, utilising the official EPFO portal streamlines the transition of financial support to bereaved families during difficult times. Ensuring all digital records, banking proofs, and death certificates are properly formatted before submission will help prevent administrative delays and ensure a smooth resolution.
(The above story first appeared on LatestLY on Sep 07, 2026 12:36 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).
