Resp. All Seniors,
I request all of you to please clarify one thing for me. As we know, if an employee is covered under EPF for 10 years, then he/she will be eligible for EFPS. However, my concern is that I have been informed by a senior individual that if an employee is covered under EPF for more than 9 years and 6 months, then he/she will also be eligible for EFPS.
Furthermore, if the length of service includes the period prior to Nov. 1995, what will be the scenario?
Please provide guidance on the same.
From India, Delhi
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163I request all of you to please clarify one thing for me. As we know, if an employee is covered under EPF for 10 years, then he/she will be eligible for EFPS. However, my concern is that I have been informed by a senior individual that if an employee is covered under EPF for more than 9 years and 6 months, then he/she will also be eligible for EFPS.
Furthermore, if the length of service includes the period prior to Nov. 1995, what will be the scenario?
Please provide guidance on the same.
From India, Delhi
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Dear Bhuwan C.Arya,
If the total service is more than 9 years and 6 months then it is to be round of to 10 years and hence he is eligible for pension.
Employees' Pension Scheme-95 came into effect from 16.11.95. The Employees' Pension Scheme-95 has been conceived as a Benefit defined Social Insurance Scheme formulated following actuarial principles for ensuring long term financial sustenance. The new Employees’ Pension Scheme-95, repealed and replaced the erstwhile Family Pension Scheme, 1971. The assets and liabilities of the erstwhile Pension Fund were transferred and merged with the new Pension Fund. The benefits and entitlements to the members under the old scheme remain protected and continued under the new Employees’ Pension Scheme-95.
Therefore the pension scheme which came into force only on 1995 that does not debar a person from claiming pension (benefits) under Employees pension scheme who joined the establishment before 1995.
From India, Kochi
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If the total service is more than 9 years and 6 months then it is to be round of to 10 years and hence he is eligible for pension.
Employees' Pension Scheme-95 came into effect from 16.11.95. The Employees' Pension Scheme-95 has been conceived as a Benefit defined Social Insurance Scheme formulated following actuarial principles for ensuring long term financial sustenance. The new Employees’ Pension Scheme-95, repealed and replaced the erstwhile Family Pension Scheme, 1971. The assets and liabilities of the erstwhile Pension Fund were transferred and merged with the new Pension Fund. The benefits and entitlements to the members under the old scheme remain protected and continued under the new Employees’ Pension Scheme-95.
Therefore the pension scheme which came into force only on 1995 that does not debar a person from claiming pension (benefits) under Employees pension scheme who joined the establishment before 1995.
From India, Kochi
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Dear Sir, I worked in a company from 1996 to 2008.. in such a case I am also elgible for pension. Pls guide me how to claim? regards, S Rajesh
From India, Delhi
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From India, Delhi
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Dear Mr. Mehrunisa Basima,
Thank you very much for this valuable information. The point is quite clear to me now. However, there is still one problem with the case.
There was an employee in our company who left the services in 2008, a time when I was not here. His service tenure was 9 years and 11 months at that time. The individual responsible for handling these matters had filed Form 10c and 19 for that employee, and both the provident fund and pension fund were withdrawn. The employee himself confirmed that he received both amounts in his account.
The current issue is that although he withdrew all his EPF Fund, he has now sent me Form 10D for EPF Pension and requested me to send it with the necessary attestation.
Therefore, considering he withdrew all of his fund amount, the question arises - is he still eligible for EPS or not?
Thank you for your assistance.
Sincerely,
[Your Name]
From India, Delhi
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Thank you very much for this valuable information. The point is quite clear to me now. However, there is still one problem with the case.
There was an employee in our company who left the services in 2008, a time when I was not here. His service tenure was 9 years and 11 months at that time. The individual responsible for handling these matters had filed Form 10c and 19 for that employee, and both the provident fund and pension fund were withdrawn. The employee himself confirmed that he received both amounts in his account.
The current issue is that although he withdrew all his EPF Fund, he has now sent me Form 10D for EPF Pension and requested me to send it with the necessary attestation.
Therefore, considering he withdrew all of his fund amount, the question arises - is he still eligible for EPS or not?
Thank you for your assistance.
Sincerely,
[Your Name]
From India, Delhi
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Dear Mr. Rajesh Emmarrpower,
As your service tenure is 12 years, you are eligible for the Employee Pension Scheme.
Firstly, when you left the company, did you withdraw your EPF Fund and do you have the scheme certificate?
To claim the Pension, you need to apply in EPF Form - 10D.
1. With this form, you will be required to attach the bank account proof [copy of passbook/canceled cheque]. You must have an account in the bank designated by EPFO for the pension facility. For details of such a bank, you can visit your nearby EPFO.
2. 4 photographs of your family including you, your spouse, and children below the age of 25 years. Previously EPFO asked for 3 photographs, but now they are taking 4 photographs.
3. Age proof of the member and family, as in the photograph.
4. Any scheme certificate issued earlier by any EPFO.
All the above documents and form should be attested by your employer or any gazetted officer.
The form should be submitted in duplicate for the home state and triplicate for out-of-state.
Hope the information will be helpful to you in this regard.
From India, Delhi
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As your service tenure is 12 years, you are eligible for the Employee Pension Scheme.
Firstly, when you left the company, did you withdraw your EPF Fund and do you have the scheme certificate?
To claim the Pension, you need to apply in EPF Form - 10D.
1. With this form, you will be required to attach the bank account proof [copy of passbook/canceled cheque]. You must have an account in the bank designated by EPFO for the pension facility. For details of such a bank, you can visit your nearby EPFO.
2. 4 photographs of your family including you, your spouse, and children below the age of 25 years. Previously EPFO asked for 3 photographs, but now they are taking 4 photographs.
3. Age proof of the member and family, as in the photograph.
4. Any scheme certificate issued earlier by any EPFO.
All the above documents and form should be attested by your employer or any gazetted officer.
The form should be submitted in duplicate for the home state and triplicate for out-of-state.
Hope the information will be helpful to you in this regard.
From India, Delhi
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[QUOTE=bcarya;1922929]
Dear Mehrunisa Basima Sir,
Thank you very much for this precious information. The point is quite clear to me now.
There is still one problem with the case. In 2008, an employee left our company with a service tenure of 9 years and 11 months. The person handling these matters filed Form 10c & 19 for that employee, and both the provident fund and pension fund were withdrawn. The employee confirmed receiving both amounts in his account.
The issue arises now as he has withdrawn all his EPF Fund but has sent me Form 10D for EPF Pension, requesting due attestation. The question is, even after withdrawing all his fund amount, is he still eligible for EPS?
Regards,
Bhuwan C. Crya
Sorry for the delay in replying. Yes, he is eligible for pension. It is immaterial whether he has withdrawn the EPF fund or not if he has more than 9 years and 6 months of service since he has pensionable service. Suppose he has withdrawn the PF fund amount after serving less than 9 years and 6 months; then, he is not eligible for a pension because upon withdrawal, he ceases to be a member of EPF and would have to start fresh, treated as a new member (see para 69 (5) of The Employees' Provident Fund Scheme, 1952).
Regards,
[Your Name]
From India, Kochi
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Dear Mehrunisa Basima Sir,
Thank you very much for this precious information. The point is quite clear to me now.
There is still one problem with the case. In 2008, an employee left our company with a service tenure of 9 years and 11 months. The person handling these matters filed Form 10c & 19 for that employee, and both the provident fund and pension fund were withdrawn. The employee confirmed receiving both amounts in his account.
The issue arises now as he has withdrawn all his EPF Fund but has sent me Form 10D for EPF Pension, requesting due attestation. The question is, even after withdrawing all his fund amount, is he still eligible for EPS?
Regards,
Bhuwan C. Crya
Sorry for the delay in replying. Yes, he is eligible for pension. It is immaterial whether he has withdrawn the EPF fund or not if he has more than 9 years and 6 months of service since he has pensionable service. Suppose he has withdrawn the PF fund amount after serving less than 9 years and 6 months; then, he is not eligible for a pension because upon withdrawal, he ceases to be a member of EPF and would have to start fresh, treated as a new member (see para 69 (5) of The Employees' Provident Fund Scheme, 1952).
Regards,
[Your Name]
From India, Kochi
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Dear Sir,
I am Naveen Sharma, and I am working as an HR Executive. However, sir, this is my first job. I would like to gain knowledge about ESI and PF challenges, returns, and the entire submission process related to ESI and PF.
Please guide me, sir.
Thank you,
Naveen Sharma
From India, Delhi
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I am Naveen Sharma, and I am working as an HR Executive. However, sir, this is my first job. I would like to gain knowledge about ESI and PF challenges, returns, and the entire submission process related to ESI and PF.
Please guide me, sir.
Thank you,
Naveen Sharma
From India, Delhi
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Dear Bhuwan C. Arya,
As per section 2(ix) of the Employee's Pension Fund Scheme 1995, Member is defined as:
2(ix) "Member" means an employee who becomes a member of the Employees' Pension Fund in accordance with the provisions of this Scheme.
[EXPLANATION - An employee shall cease to be a member of the Pension Fund from the date of attaining 58 years of age or from the date of vesting admissible benefits under the Scheme, whichever is earlier.]
Also, see section 14:
14. Benefits on leaving service before being eligible for monthly members' pension.
If a member has not rendered the eligible service (10 years) prescribed in paragraph 27(9) on the date of exit, or on attaining 58 years of age, whichever is earlier, he/she shall be entitled to a withdrawal benefit as laid down in Table 'D' or may opt to receive the scheme certificate provided on the date he/she has not attained 58 years of age.
So, as per section 14, those who have not attained 10 years of PF service are not entitled to a pension, and those persons can withdraw the pension fund. This means that those who have attained 10 years of service cannot withdraw the pension fund. However, the said employee has already withdrawn the pension fund.
Moreover, as per section 2(ix), an employee who has received admissible benefits under the scheme ceases to be a member of the fund.
Therefore, since the said employee has withdrawn the pension fund, he is not liable to receive a pension.
From India, Kochi
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As per section 2(ix) of the Employee's Pension Fund Scheme 1995, Member is defined as:
2(ix) "Member" means an employee who becomes a member of the Employees' Pension Fund in accordance with the provisions of this Scheme.
[EXPLANATION - An employee shall cease to be a member of the Pension Fund from the date of attaining 58 years of age or from the date of vesting admissible benefits under the Scheme, whichever is earlier.]
Also, see section 14:
14. Benefits on leaving service before being eligible for monthly members' pension.
If a member has not rendered the eligible service (10 years) prescribed in paragraph 27(9) on the date of exit, or on attaining 58 years of age, whichever is earlier, he/she shall be entitled to a withdrawal benefit as laid down in Table 'D' or may opt to receive the scheme certificate provided on the date he/she has not attained 58 years of age.
So, as per section 14, those who have not attained 10 years of PF service are not entitled to a pension, and those persons can withdraw the pension fund. This means that those who have attained 10 years of service cannot withdraw the pension fund. However, the said employee has already withdrawn the pension fund.
Moreover, as per section 2(ix), an employee who has received admissible benefits under the scheme ceases to be a member of the fund.
Therefore, since the said employee has withdrawn the pension fund, he is not liable to receive a pension.
From India, Kochi
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Dear Erudite Scholars,
Namaste!!
I am now 66 years old and I worked for a Govt. of India undertaking from June 1973 to Nov 1994, a total of just more than 21 years of service. I have been contributing to EPF. I took voluntary retirement at the end of 1994 and have been paid my EPF in full. I attained the age of 60 on 09.03.2008 (my date of birth is 09.03.1948). Could you please tell me if I am eligible for EPF pension scheme? Can I ask the corporation to issue me a "Scheme Certificate"? From the above answers, I learned that I require a bank account, etc. I do have every conceivable ID document like Aadhar, voter ID, credit card statements, PAN card, driving license, etc.
What I want to know is whether I am eligible for the EPF pension scheme from the date of attaining the age of 58, which fell on 09.03.2006.
When I was in that service, there was talk about this pension scheme among administration people. Since the people of this department, in those days, tended to be secretive, we engineers were not in a position to learn about these matters. To be honest, I had never heard a term called HR in those days.
Only last month, I came to know about it from a former colleague and friend who is also placed in a similar circumstance and does not know what to do.
I would be very grateful if you could kindly enlighten me on this.
Regards,
C. Krishnan
From India, Chennai
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Namaste!!
I am now 66 years old and I worked for a Govt. of India undertaking from June 1973 to Nov 1994, a total of just more than 21 years of service. I have been contributing to EPF. I took voluntary retirement at the end of 1994 and have been paid my EPF in full. I attained the age of 60 on 09.03.2008 (my date of birth is 09.03.1948). Could you please tell me if I am eligible for EPF pension scheme? Can I ask the corporation to issue me a "Scheme Certificate"? From the above answers, I learned that I require a bank account, etc. I do have every conceivable ID document like Aadhar, voter ID, credit card statements, PAN card, driving license, etc.
What I want to know is whether I am eligible for the EPF pension scheme from the date of attaining the age of 58, which fell on 09.03.2006.
When I was in that service, there was talk about this pension scheme among administration people. Since the people of this department, in those days, tended to be secretive, we engineers were not in a position to learn about these matters. To be honest, I had never heard a term called HR in those days.
Only last month, I came to know about it from a former colleague and friend who is also placed in a similar circumstance and does not know what to do.
I would be very grateful if you could kindly enlighten me on this.
Regards,
C. Krishnan
From India, Chennai
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Employee Pension Scheme, 1995.doc
Form10C.PDF for Employee Pension Scheme 1995.PDF