Indian Labour Law

PF EDLI Scheme

PF EDLI Scheme Kya Hai?

EDLI (Employees’ Deposit Linked Insurance) Scheme, 1976 ek insurance scheme hai jo EPFO (Employees’ Provident Fund Organisation) ke under chalti hai. Iska mukhya uddeshya kisi employee ki service ke dauran mrityu hone par uske nominee ya legal heir ko financial sahayata pradan karna hai.

Sabse achhi baat ye hai ki employee ko is insurance ke liye alag se premium dene ki zarurat nahi hoti. EDLI ka contribution employer dwara jama kiya jata hai.

EDLI Scheme Main Objective

Jab koi PF member employee service mein rehte hue ya PF membership ke dauran mrityu ko prapt ho jata hai, tab uske parivar ko ek insurance amount diya jata hai taaki unki aarthik sthiti ko sahara mil sake.

Kaun Eligible Hai?

Jo employee:

  • EPF ka member hai,
  • PF contribution jama ho raha hai,

Jin logo ka PF Deposit hota wo employee is scheme mein cover hota h.

Maximum wage ceiling: ₹15,000 per month

Isliye employer ka maximum EDLI contribution ₹75 per month hota hai.

EDLI Mein Kitna Insurance Milta Hai?

Current rule ke anusaar EDLI benefit ki maximum limit:

Maximum Benefit: ₹7,00,000

Insurance amount ka calculation employee ke last 12 months ke average PF wages ke aadhar par kiya jata hai.

EDLI Claim Calculation.

Example- Monthly Salary 30,000(last 12months), 15,000 liya jayega kyuki pf ka maximum wages 15,000 par hi duduction h..

15000*30=4,50,000, agar kisi employee ka monthly salary 14,000 h toh 14,0000*30=4,20,000. Isme 2,50,000 Bonus amount add hoga. jis employee ka montly salary 15,000 se jyada h Uske family/Nominee ko, 15,000*30=4,50,000+2,50,000(Bonus). Total Claim Rs. 7,50,000 hoga.

Maximum payable amount ₹7 lakh tak seemit hai.

Example

Man lijiye kisi employee ka average PF wage ₹15,000 hai.

Calculation:

  • 30 × 15,000 = ₹4,50,000
  • Bonus Benefit = ₹2,50,000

Total = ₹7,00,000 (Maximum Limit)

Nominee Ko Paisa Kaise Milega?

Employee ki mrityu ke baad nominee ya legal heir ko:

Form 5 IF

bhar kar claim submit karna hota hai.

Claim ke sath aam taur par nimnalikhit documents lagte hain:

  • Death Certificate
  • Aadhaar Card
  • Bank Passbook
  • Nominee Details
  • Succession Certificate (yadi nominee registered na ho)

EDLI Claim Process

Step 1

Form 5 IF bharna.

Step 2

Employer se verify karwana.

Step 3

EPFO office mein submit karna.

Step 4

EPFO dwara verification.

Step 5

Claim amount nominee ke bank account mein transfer.