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ALL ABOUT EDLI : Employees Deposit Linked Insurance Scheme, How to Claim EDLI?

08, Jun 2021
ALL ABOUT EDLI : Employees Deposit Linked Insurance Scheme, How to Claim EDLI?

ALL ABOUT EDLI : Employees Deposit Linked Insurance Scheme, How to Claim EDLI?


What is EDLI?

  • EDLI is an insurance cover provided by the Employees’ Provident Fund Organization (EPFO).


  • EDLI covers the death of an employee, irrespective of a cause of death or whether it occurred during working hours or non-working hours.


  • Any employee who has an EPF account automatically becomes eligible for the EDLI scheme.


  • The minimum assurance benefit of Rs 2.5 Lakhs and maximum assurance benefit payable under the EDLI Scheme can be up to Rs. 7 Lakhs to the nominee or legal heir in case of death of the member during the service period.


  • The deceased person has to be in active employment.


  • The coverage for EDLI starts on day 1 of the employment.

How much is EDLI contribution?

  • the contribution of an employer must be 0.5% of the basic salary or a maximum of Rs. 75 per employee per month.
  • If there is no other group insurance scheme, the maximum contribution is capped at Rs. 15,000/- per month.

How EDLI is Calculated?

  • The insurance amount that the heirs of a deceased member get is calculated as 35 times the average monthly salary in the last 12 months of employment.


  • Please note that ?15,000 is the ceiling under the EDLI scheme for the purpose of this calculation even if your basic salary exceeds this amount.
    • For instance, the average salary for the preceding 12 months, if the employee is at wage ceiling levels, is ?15,000.
    • The average salary will then be multiplied by 35 times, i.e., ?15,000 x 35 = ?5.25 lakh
  • A bonus amount of up to Rs. 1,75,000 is also paid to the claimant under this scheme

What forms are required to file EDLI claim?

  • While in employment, the employee files the PF nomination form (Form 2) with the employer mentioning the name of nominees who are beneficiaries in the event of the death of the employee.
  • In the event of  death of the employee, each of the nominees needs to make a claim of the PF, pension withdrawal and EDLI claim in the composite claim form instead of filing three forms separately

Share Samadhan take: It is also advisable to file separate form as well i.e. Form 20 for PF withdrawal, Form 10-D for pension claim and Form 5-IF for EDLI

  • The form has to be filled offline and the employer has to furnish the certificate mentioning the date of death of the member.
  • Copy of cancelled cheque for the account in which payment is to be received need to be attached

Where to submit the EDLI form?

  • One can submit the form to the jurisdictional Regional Provident Fund Commissioner (RPFC) for processing the claim along with the copy of the nomination made by the employee.

Who will sign & certify EDLI claim form?

  • The claim form has to be signed and certified by the employer
  • In case there is no employer, the form has to be attested by any one of the following:
    • Gazetted Officer
    • Magistrate
    • Village / Gram Panchayat
    • Chairman / Secretary / Member of Municipal or District Local Board
    • Postmaster or Sub Postmaster
    • Member of Parliament or MLA
    • Member of CBT or Regional Committee of EPF
    • Bank Manager (of the bank in which the account was maintained

Who can claim EDLI?

Following persons are eligible to apply for claiming insurance benefits under the EDLI Scheme:

  • Nominees as nominated under EPF Scheme.
  • If there is no nomination, all members of the family (except major sons, married daughters with major sons, and married grand-daughters).
  • In case there is no nominee, the application must be made by the legal heir(s) and the succession certificate must be submitted along with form


Documents Required for EDLI

The claimant has to submit the following documents along with the Form 5 IF to get the amount disbursed under the EDLI scheme:

  • Death Certificate of the member
  • Succession certificate in case of a claim by the legal heir.
  • Guardianship certificate if the claim on behalf of a minor family member/nominee/legal heir is by other than the natural guardian.
  • Copy of a cancelled cheque of the bank account in which payment is opted.


So if you have any of the following question please reach out to us at samadhan@sharesamadhan.com:

  • What is EDLI?
  • How EDLI is calculated?
  • What is the maximum EDLI can be claimed?
  • What is the eligibility criterion to get EDLI?
  • What form is required to file EDLI?
  • Who gets EDLI?
  • What if the deceased not filled the nomination form?
  • Who is legal heir in case of EDLI claim?
  • What documents are required to claim EDLI?
  • Where to submit EDLI form?
  • Who will sign & certifiy EDLI claim form?
  • How to apply for insurance claim?
  • Is there any exclusion in EDLI?
  • If deceased has not completed one year in service, will their family be eligible for EDLI claim?
  • What are the features of EDLI?
  • Does employee need to contribute to EDLI?
  • How do I know my EDLI?




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