Free ₹7 Lakh Cover: Does Your Job Include EDLI?
Every salaried worker covered under EPFO automatically gets life insurance called EDLI. If you die while employed, your family gets up to ₹7 lakh. Most employees have no idea this benefit exists or how to claim it.
EDLI costs you ₹0 — your employer pays the full premium, like a free term plan hiding in your salary slip.
Your family could receive this free life cover through your employer — most don't even know
Key Takeaways
Check your EPFO UAN portal (unifiedportal-mem.epfindia.gov.in) to confirm your nominee details are updated — a wrong nominee means your family may not get the payout.
Inform your family about EDLI and keep your UAN number, employer PF code, and EPFO regional office details in an accessible place for emergencies.
If a claim arises, the nominee must submit Form 5 IF along with death certificate, succession certificate (if no nominee), and bank details to the EPFO regional office within 3 years.
Every salaried worker covered under EPFO automatically gets life insurance called EDLI. If you die while employed, your family gets up to ₹7 lakh. Most employees have no idea this benefit exists or how to claim it.
Here's what happened: EDLI — Employees Deposit Linked Insurance Scheme — is a free life insurance benefit for all EPFO-registered employees, funded entirely by employer contributions.. The maximum death benefit under EDLI is ₹7 lakh, calculated as 35 times the last drawn monthly basic wage plus a bonus of up to ₹1.75 lakh.. The benefit is paid to the nominee or legal heir if the employee dies while in active service — there is no maturity or survival payout..
What you should do: Check your EPFO UAN portal (unifiedportal-mem.epfindia.gov.in) to confirm your nominee details are updated — a wrong nominee means your family may not get the payout.. Inform your family about EDLI and keep your UAN number, employer PF code, and EPFO regional office details in an accessible place for emergencies.. If a claim arises, the nominee must submit Form 5 IF along with death certificate, succession certificate (if no nominee), and bank details to the EPFO regional office within 3 years..
EDLI cover is automatic — even if you never opted in. But if your nominee details on the EPFO portal are blank or outdated, the claim process can take years in court. Update it today in under 5 minutes.
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