- By Yashashvi Tak
- Wed, 14 Jan 2026 11:11 AM (IST)
- Source:JND
When most people think of EPF (Employees’ Provident Fund), they associate it mainly with retirement savings. However, EPF membership also provides your family with life insurance coverage of up to Rs 7 lakh under the Employees’ Deposit-Linked Insurance (EDLI) scheme, which is managed by the Employees’ Provident Fund Organisation (EPFO).
Through this EDLI scheme, EPFO offers built-in insurance protection to salaried employees in addition to their provident fund benefits.
What are the benefits?
1. You do not have to pay a single rupee to avail of this benefit.
2. The premium for this insurance is borne by your company.
3. Under this scheme, a minimum cover of Rs 2.5 lakh and a maximum cover of Rs 7 lakh are available.
4. The amount of coverage also depends on the salary of the last 12 months and the money deposited in the PF account.
How to apply?
You do not need to apply anywhere for this. As soon as you join the PF scheme, you become eligible for this insurance.
When will the cover be provided?
The benefit of this insurance is provided only in the event of the employee’s death, regardless of whether the death occurred at the workplace or elsewhere.
How to file a claim for EDLI scheme?
1. The nominee must submit Form 5 IF to claim benefits under the EDLI scheme.
2. Each claimant has to fill out a separate form.
3. If the claimant is a minor, the form should be filled by the guardian on the minor’s behalf.
4. When there is more than one minor claimant, the guardian can submit one single form for all the minors.
How can a nominee claim for benefits under the EDLI scheme offline?
1. The nominee or other claimant must submit a written application for EDLI benefits to the EPF Commissioner through the employer, in the prescribed form.
2. The claim amount can be paid through electronic or digital fund transfer to any Scheduled Commercial Bank or post office, as chosen by the beneficiary.
3. The claim must be submitted with all required documents and should be complete in every respect.
4. Once received, the Commissioner must settle the claim and pay the benefit within 20 days.
Documents Needed for Life Insurance Claim Settlement with EPFO
In the event of the employee’s death, the nominee or legal heir must file a claim for the insurance payout. The following documents are required:
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Composite Claim Form - Used for PF, pension, and EDLI claims
Death Certificate or Succession Certificate
Cancelled Cheque - For the bank account where the money is to be transferred