How To Claim Provident Fund Of Deceased?

Claiming the Provident Fund (PF) of a deceased individual can be a crucial process for the family or legal heirs. The claim process is designed to ensure that the rightful nominee or heir receives the accumulated funds. This process typically involves several steps, including submitting relevant documents and following the procedures outlined by the Employees' Provident Fund Organisation (EPFO).

Steps to Claim Provident Fund of Deceased:

Obtain the Death Certificate:

The first step in claiming the Provident Fund is to obtain the official death certificate of the deceased individual. This is an essential document to prove the individual’s passing.

Check the Nominee:

If the deceased had nominated someone for their Provident Fund, the nominee can directly claim the funds. If no nominee was appointed, the legal heirs (spouse, children, etc.) will need to come forward with necessary documents.

Fill the PF Claim Form:

The nominee or legal heir should fill out the relevant claim form (Form 20 for PF settlement, Form 10D for pension claim, etc.). These forms can be downloaded from the EPFO website or obtained at the EPFO office.

Submit the Documents:

Submit the following documents to EPFO:

• Death certificate of the deceased
• Proof of relationship (e.g., marriage certificate for spouse, birth certificate for children)
• Copy of the nominee’s identity proof (Aadhaar, PAN, etc.)
• Bank account details of the nominee
• A duly filled claim form

Verification by EPFO:

EPFO will verify the documents and the claim. If everything is in order, the provident fund amount will be credited to the nominee’s or legal heir’s account.

In the Absence of a Nominee:

If no nominee was nominated by the deceased, the legal heirs can apply for the PF claim, which may require additional legal documentation, such as succession certificates or a letter of administration.

Claim Settlement and Disbursement:

Once the verification is complete, EPFO will process the claim and disburse the amount either through cheque or direct bank transfer.

Legal Actions and Protections:

Legal Heirs without Nominee:

If the deceased did not nominate anyone, the legal heirs need to provide additional proof such as a succession certificate or a letter of administration from a court.

Dispute Resolution:

In case of a dispute among legal heirs, the matter may require legal proceedings to determine who is entitled to the funds.

Example:

If a man named Rajesh passes away, and his wife, Priya, is the nominee on his Provident Fund account, Priya will need to:

• Obtain Rajesh’s death certificate.
• Fill out the PF claim form (Form 20) with her details and the proof of relationship (marriage certificate).
• Submit the form along with the death certificate and her identity proof.

Upon verification by EPFO, the provident fund amount will be transferred to Priya’s bank account.

If Rajesh had not nominated anyone, his children and spouse would need to provide legal documents to claim the PF amount.