PF Claims Update: Millions of workers and retirees linked to the Employee Provident Fund Organization (EPFO) often find it tough to figure out which form to use for PF withdrawal, transfer, or pension claims. Different forms are needed for various scenarios like job changes, retirement, death, or disability. Using the wrong form can lead to delays or even denials of claims. So, it’s really important to know all the necessary EPFO forms accurately. Here, we’re sharing detailed info in straightforward language about the main EPFO forms: Form 14, Form 10D, Composite Claim Form (Aadhaar/Non-Aadhaar), Form 13, Form 20, and Form 5IF.
1. Composite Claim Form (Aadhaar/Non-Aadhaar):
This is the most frequently used EPFO form. It’s for partial or full PF withdrawals, final settlements after retirement, and PF withdrawals when leaving a job.
Aadhaar based form: If your UAN is active, linked to Aadhaar, and KYC is complete, you don’t need your employer’s signature.
Non-Aadhaar Form: If Aadhaar isn’t linked, you’ll need employer verification.
2. Form 13:
This form is used to transfer your old PF account to a new one when you change jobs.
For whom: Employees who are switching jobs.
Benefit: It protects both the PF amount and the service period, preventing any loss of pension and interest.
3. Form 10D (Pension Claim Form)
This form is for claiming a monthly pension under the Employees’ Pension Scheme (EPS).
For whom: Employees who are 58 years or older, early pensioners, widows/widowers, or dependents.
4. Form 20:
If an EPF member passes away, Form 20 is used to give the PF amount to their nominee or family.
For whom: Nominee or legal heir.
What is required: Death certificate, bank details, identity card.
Required documents: Bank details, photo, birth certificate, family details.
5. Form 5IF (EDLI Insurance Claim)
This form is completed under the Employee Deposit Linked Insurance (EDLI) scheme provided by EPFO.
What’s it for: It offers insurance money to the family if the employee passes away while on duty.
Maximum Benefit: The insurance coverage is available up to a specific limit, which is distinct from the PF balance.
6. Form 14
This form is utilized in special situations.
What’s it for: It’s for payments or adjustments from PF as per a court order or government directive.
For general users: It’s not commonly used, but it’s significant in legal contexts.
7. Other important points:
All forms need to be filled out with the correct UAN number, bank account, IFSC, and Aadhaar details. Most EPFO services are now accessible online, speeding up the claim process. Providing incorrect information or incomplete KYC can lead to claim denial.
Choosing the right form is essential to avoid complications with PF claims or pensions. Using Form 13 for job transitions, the composite claim form for PF withdrawals, Form 10D for pensions, Form 20 for death cases, and Form 5IF can help you avoid unnecessary trouble. If you’re still unsure, it’s a good idea to check the EPFO’s official website or visit your nearest PF office. With the right details, your PF claim can be smoother and quicker.