EPFO offers many schemes to support its employees and members, and one important scheme is the Employees Deposit Linked Insurance Scheme (EDLI). Running since 1976, the EDLI Scheme provides insurance benefits to employees connected with the Employees’ Provident Fund Organization. This insurance helps protect the financial future of the employee’s family if the employee passes away unexpectedly while working. If you want to know more about the updated EDLI Scheme 2025 and how to claim benefits up to Rs. 7 lakh, you are in the right place.
Overview of EDLI Scheme 2025
The full form of EDLI is Employees Deposit Linked Insurance Scheme, also known as कर्मचारी जमा संबंध बीमा योजना. It is managed by EPFO for its employees or members. Under this scheme, if an employee linked with EPFO dies while in service, their family or legal heir gets payment equal to 35 times their last 12 months’ average monthly wages, with a maximum limit of Rs. 7 lakh.
This insurance amount is paid to the family only if the employee worked in one or more establishments covered under EPFO during the last 12 months before death. Employers contribute 0.5% of the employee’s monthly wages to this scheme, while employees don’t have to contribute anything.
Main Details of the EDLI Scheme
| Scheme Name | Employees Deposit Linked Insurance Scheme (EDLI) |
| Started In | 1976 |
| Beneficiaries | EPFO Members/Employees |
| Objective | Financial support to family on employee’s sudden death |
| Insurance Amount | 35 times average monthly wages in last 12 months |
| Maximum Amount | Rs. 7,00,000 |
| Claim Process | Offline submission of EDLI Form 5 IF |
| Year | 2025 |
How is the Insurance Amount Calculated in EDLI Scheme 2025?
The insurance amount paid to the nominee or family is 35 times the employee’s average monthly salary over the last 12 months. Besides this, a bonus of Rs. 1,75,000 is also added, which brings the total insurance cover up to a maximum of Rs. 7 lakh.
- Example of calculation:
– Maximum average monthly salary = Rs. 15,000
– 35 times salary = 15,000 x 35 = Rs. 5,25,000
– Bonus = Rs. 1,75,000
– Total insurance amount = Rs. 7,00,000
Main Purpose of EDLI Scheme 2025
The main goal of the Employees Deposit Linked Insurance Scheme is to provide financial help to the family of an active employee under EPFO if the employee dies suddenly. This support helps the family maintain a good life without facing money problems.
The family or nominee must fill out EDLI Form 5 IF to claim the insurance amount. This scheme is very helpful for EPFO employees and their families during tough times.
How to Claim EDLI Insurance Using Form 5 IF
To claim the insurance, the nominee or legal heir needs to fill and submit the offline EDLI Form 5 IF. Each claimant must fill this form separately. If the nominee is a minor, the guardian must fill the form. For multiple minor nominees in a family, one guardian can fill a single form.
- Filled Form 5 IF with all required details and supporting documents should be submitted to the regional EPFO office.
- Claims are settled within 30 days. If delayed, EPFO must pay 12% interest per year until the settlement date.
Online Nomination Facility by EPFO
EPFO now offers an e-nomination facility. Employees who haven’t nominated can do so online and update nominee details such as name and date of birth to make sure their family receives benefits without any issues.
Main Features of EDLI Scheme 2025
- Started by Government of India in 1976 under EPFO.
- Automatic enrolment for EPFO members.
- Insurance cover given to active EPFO members.
- Insurance amount paid to nominee or family after employee’s death.
- Insurance amount is 35 times the last 12 months’ average salary plus Rs. 1,75,000 bonus.
- Maximum insurance sum is Rs. 7,00,000.
- Employer contributes minimum 0.5% of employee’s wages; employees do not contribute.
- Companies covered under Section 17(2A) may opt out if having good group life insurance.
Who Can Claim the Insurance?
- Claimants must be nominees under EPFO.
- If there’s no nominee, family members (excluding major sons and married daughters/grandchildren) can claim.
- For minor nominees, guardian can claim on their behalf.
Documents Needed for EDLI Claim
- Death certificate of the employee.
- Guardianship certificate if claimant is a minor.
- Legal heir certificate if claimed by legal heir.
- Cancelled cheque of claimant’s bank account.
Note: If the employee worked in an exempted company under EPF Scheme 1952 during the last days, the employer must provide details of the last 12 months’ PF contribution and a verified nomination form copy for the claim.
How to Apply for EDLI Insurance Claim 2025?
- Get EDLI Form 5 IF for submitting the insurance claim.
- Fill all required details in the form carefully.
- Submit the form to the company where the employee last worked.
- The company verifies and forwards the claim if the claimant is eligible.
- If the company isn’t registered or unable to verify, claim can be verified by authorized officers like a magistrate, gazetted officer, postmaster, local government authority, MP/MLA, EPFO committee members, or bank manager where the employee’s account is held.
This updated information on the EDLI Scheme 2025 will help you understand its benefits clearly and guide you on how to claim your rightful insurance amount in case of an unfortunate event.