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EPFO’s death-case Composite Claim Form can cover Form 20 (EPF), Form 10D (EPS pension) and Form 5-IF (EDLI). Select every benefit that applies, but expect EPFO to assess each claim separately against its records.
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What the family can claim
Start by separating the three entitlements. A nomination that identifies who receives the provident-fund balance does not, by itself, decide who receives an EPS survivor pension or EDLI insurance.
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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problems| Benefit | What is paid | Typical claimant | Form or route | Essential eligibility point |
|---|---|---|---|---|
| EPF | The deceased member’s provident-fund accumulation, paid as a lump sum | Nominee or eligible beneficiary; a legal heir may claim where applicable | Form 20, or the EPFO death-case Composite Claim Form | EPFO must establish the claimant’s entitlement from the nomination, family and succession records |
| EPS survivor pension | Monthly pension under the Employees’ Pension Scheme | Eligible widow or widower, children, orphan child, or another category recognised under EPS rules | Form 10D, or the pension section of the Composite Claim Form | Eligibility depends on EPS membership and the family facts at the date of death |
| EDLI | Death-in-service assurance benefit | Eligible nominee, family member or legal heir, depending on the records | Form 5-IF, or the EDLI section of the Composite Claim Form | The member generally must have died while employed and covered by EDLI; leaving employment before death can change eligibility |
Do not treat the EDLI ceiling as an automatic payout. The amount is calculated under the applicable scheme formula from the member’s records.
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Check eligibility before completing a form
EPF: identify the person entitled to the balance
Form 20 is the traditional final-settlement route for a deceased member’s provident-fund accumulation. The nomination and the family situation matter. If the nomination is missing, disputed or inconsistent with the claimant’s documents, EPFO may require additional proof, including succession evidence.
The EPF balance is separate from pension. A person named for the PF amount is not automatically the person who qualifies for every EPS category or for EDLI.
EPS: confirm the survivor-pension category
Form 10D is used for monthly pension. EPFO instructions identify a widow or widower and children as possible survivor-pension claimants. An orphan pension may be available to a surviving son or daughter up to age 25 in the circumstances described by the scheme.
The Form 20 instructions describe a spouse and a child below 25 for the family-pension claim. They also refer to a pension nominee where the member had no family, and to dependent parents where there was no family and no pension nominee. These categories are fact-sensitive. Confirm the member’s EPS membership, marital status, children’s ages and any nominee details with EPFO rather than assuming that a PF nomination settles the pension question.
EDLI: establish death in covered employment
EDLI is linked to death while the member was in service with an establishment covered by the scheme. EPFO instructions caution that a member who had already left employment before death may not qualify on the same basis.
For the eligible class described in the Ministry of Labour and Employment’s Annual Report 2024–25, the assurance benefit has a ₹2.5 lakh minimum and ₹7 lakh maximum. The continuous-12-month condition can span more than one establishment, according to EPFO material. The actual amount still depends on the service and wage records and the formula applicable to the claim.
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Decide who should file
The correct filer depends on the benefit and the family’s legal facts:
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- Widow or widower: may file for the survivor pension and may also appear as a claimant for other benefits.
- Children: may qualify for EPS pension within the applicable age and dependency rules. A child’s date-of-birth proof is needed for a pension claim.
- Minor claimant: a natural guardian may act for the child. If someone else files, EPFO’s instructions call for a guardianship certificate.
- Dependent parents or another legal heir: may become relevant where there is no qualifying family or nomination for the particular benefit. A succession certificate can be required, especially for an EDLI claim under the Form 5-IF instructions.
Where several family members are claiming, use the joint-claim provisions in the current form and provide the relationship details requested for each person. Do not omit a family member simply because another person is the PF nominee; omission can create a dispute and delay processing.
Documents to prepare
Use the checklist printed on the current form and add documents that explain any unusual family or employment fact. EPFO materials identify the following core papers:
| Document | When it is used |
|---|---|
| Member’s death certificate | Required for the death claim |
| Claimant identity, relationship and bank details | Used to establish who is claiming and where payment should be sent |
| Cancelled cheque or attested first page of the bank passbook | Verifies the account for payment |
| Children’s date-of-birth proof | Needed when a child’s EPS pension entitlement is claimed |
| Joint photograph of all claimants | Listed on the Composite Claim Form for a joint family claim |
| Scheme certificate, if applicable | Include it where the form asks for one |
| Guardianship certificate | Needed when a person other than the natural guardian files for a minor |
| Succession certificate | May be required when a legal heir claims, including under the Form 5-IF instructions |
Cases involving an exempted establishment can require more. The Form 5-IF instructions refer to employer-provided provident-fund details for the last 12 months and an attested copy of the nomination in the stated exempted-establishment situation. Keep copies of every submission and make sure names, dates of birth and bank details match across the claim and supporting papers.
How to file the claims
1. Obtain the member’s employment and account details
Collect the Universal Account Number (UAN), the last employer’s name and address, member ID numbers, the death certificate and the family’s bank details. Ask the employer to confirm whether the establishment was covered under EDLI and whether it was an exempted establishment for provident-fund administration.
2. Choose online filing or paper filing
EPFO’s member portal displays online death-claim filing for nominees and pension filing by family members or nominees. Online conditions can include valid UAN and Aadhaar details and a signed e-nomination. EPFO’s 2024 pension manual states that e-nomination must have been filed and signed for online Form 10D filing by a member or family claimant. Portal labels and validation rules can change, so follow the current instructions shown when you sign in.
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If online filing is unavailable or the records do not support it, use the paper Composite Claim Form or the individual forms through the employer and the relevant EPFO office.
3. Complete the Composite Claim Form
Tick the sections that apply: Form 20 for the EPF balance, Form 10D for EPS pension and Form 5-IF for EDLI. Enter each claimant’s relationship, address, bank information and (where required) the child’s date of birth. Attach the death certificate, photographs and other evidence listed in the form.
4. Submit through the last employer where required
Form 20 instructions state: “The application should be submitted through the employer under whom the member was last employed.” Obtain the employer’s signature and certification where the form requires it.
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5. File Form 10D evidence for each pension claimant
List the spouse and eligible children and attach age and relationship proof. The 2024 manual notes that older paper instructions may require two copies of Form 10D when the claim is filed in another region or sub-region. Follow the office’s current requirement rather than duplicating forms unnecessarily.
6. File Form 5-IF for EDLI
Ensure the employer supplies the employment and provident-fund information requested for the last 12 months. If the claim is by a legal heir, include the succession certificate when the instructions require it. EDLI eligibility must still be checked against the member’s status on the date of death.
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7. Obtain an acknowledgement and track the claim
Keep the acknowledgement, claim ID or tracking ID. EPFO’s claim-inquiry facilities and manual describe status tracking using the available identifier. If the status remains pending, ask whether a document, employer certification or bank correction is outstanding before submitting a duplicate claim.
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Published amounts and processing standards
| Claim | Published figure | What it means |
|---|---|---|
| EDLI assurance | ₹2.5 lakh minimum; ₹7 lakh maximum | Limits reported by the Ministry of Labour and Employment for the eligible class in its Annual Report 2024–25; not a guaranteed ₹7 lakh payment for every death |
| EDLI Form 5-IF | 3 working days in the Citizens’ Charter; 20 days in the scheme timeline | Standards for a complete claim, not a guaranteed individual payment date |
| EPS death pension, Form 10D | 7 working days in the Citizens’ Charter; 20 days in the scheme timeline | Applies to a complete claim meeting the requirements |
| EPF Form 20 | Not stated in the cited material | Processing depends on completeness, employer certification and record checks |
The shorter Citizens’ Charter targets and the 20-day scheme timelines are service standards for claims complete in all respects. They do not override a records dispute, missing document or correction request.
Common problems and the practical response
The employer is not responding
First request certification in writing and keep proof of the request. If the establishment is closed, use the current EPFO guidance on alternative attestation rather than relying automatically on the older official list. Contact the EPFO office handling the member’s account with the closure evidence and the claim acknowledgement.
The nomination is missing or disputed
Do not assume the person who has the death certificate can collect every benefit. Provide marriage, birth, relationship and succession documents as applicable. A disputed nomination can affect the EPF or EDLI payment while EPS eligibility is assessed separately under the family categories.
The member changed employers
For EDLI, document the employment history covering the relevant 12-month period. EPFO indicates that the continuous period may span more than one establishment, so provide prior-employer details if requested. For the paper Form 20 route, the filing instruction still points to the employer under whom the member was last employed.
The member left work before death
Ask EPFO to determine EDLI eligibility from the date of death and coverage records. Do not include the ₹2.5 lakh minimum or ₹7 lakh maximum in a family budget until eligibility is confirmed.
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A bank account or name does not match
Correct the mismatch before resubmitting. A cancelled cheque or attested passbook page should show the claimant’s name and account details clearly. A payment failure can delay an otherwise approved claim.
Examples of how the three claims can differ
Widow with two school-age children
The widow may claim the EPF balance if she is the nominee or otherwise entitled, file Form 10D for her survivor pension, and include the children for any applicable child pension. The children’s birth records and the family relationship details are important even if the widow is the only person operating the bank account.
Member died shortly after changing jobs
The family should provide the last employer’s details and, if requested, records from the preceding establishment. EDLI’s continuous-12-month condition may span establishments, but EPFO must verify the coverage and service history.
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No spouse or child, and no usable nomination
Dependent parents or another legal heir may need to establish entitlement. The office may request a succession certificate and other legal-heir evidence. The EPS category, EPF payment and EDLI claim should each be checked rather than treated as one automatic payment.
Final checklist before submission
- Death certificate is legible and names match the member’s records.
- Every claimant’s relationship and identity details are entered.
- Children’s dates of birth are supported for Form 10D.
- Bank proof is attached and the account can receive the payment.
- Guardianship or succession documents are included where relevant.
- Employer certification, last-12-month details and nomination copy are attached for an exempted-establishment EDLI case when required.
- The Composite Claim Form sections for EPF, EPS and EDLI are ticked correctly.
- Acknowledgement and tracking details are retained.
The safest sequence is to identify each benefit separately, document the claimant category, file the applicable sections together where possible, and then track each decision with EPFO. The final entitlement and amount remain case-specific and are determined from EPFO’s records and the applicable scheme rules.
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