Even If The PF Account Is Empty, EPFO Ensures ₹50,000 Support For The Family After A Worker’s Death

Key Points:

- Rs 50,000 insurance is guaranteed even if there’s no PF balance.

- A 60-day gap between jobs will not break service continuity.

- Nominee can claim insurance if death happens within 6 months of last PF deduction.

New Delhi: The Employees’ Provident Fund Organisation (EPFO) has made important changes to the Employees Deposit Linked Insurance (EDLI) Scheme. These new rules will help crores of workers and their families.

Minimum Rs 50,000 Even Without PF Balance

If an employee dies while working, their family (nominee) will get at least Rs 50,000 as insurance money – even if there is no money in their PF account. Earlier, it was necessary to have at least Rs 50,000 in the PF account to get this insurance.

60-Day Job Gap Not Counted as Break

If an employee changes jobs and there is a gap of up to 60 days, it will not be counted as a break. It means the total job period will be counted together for insurance benefit, as continuous service.

Death Within 6 Months of Last Salary Still Covered

If an employee dies within 6 months after their last salary from which PF was deducted, their nominee will still get insurance money. So, even if the person is not working now but passed away within 6 months of last PF contribution, the family will still get the benefit.

What is EDLI Scheme?

The EDLI scheme is a life insurance scheme under EPFO. It gives money to the employee’s family if the employee dies while working. The best part is – the employee doesn’t have to pay anything for this insurance. The insurance amount can be between Rs 2.5 lakh and Rs 7 lakh, depending on the last salary.

Published on: Thursday, July 24, 2025, 12:22 PM IST