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—pf-pension:family-pension [2026/07/22 17:47] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(family pension after death,EPS-95 widow pension,Form 10D,EDLI claim,ESIC dependants benefit)&metatag-title=(Family Pension After Death EPF EPS NPS India 2026)&metatag-description=(Family pension after death for EPF, EPS-95, NPS and ESIC workers in India: see who qualifies, the exact forms to file, the amounts and how to claim fast today)&og:title=(Family Pension After Death 2026)&og:description=(How a family claims pension and lump sum after a private-sector worker dies, across EPS-95, EDLI, NPS and ESIC)&og:type=(article)}}
 +
 +====== Family Pension After Death 2026 ======
 +
 +{{ :social:auto:family-pension.png?direct&1200 |Family Pension After Death 2026, RTI Wiki citizen guide}}
 +
 +//Reviewed on 2026-06-20 by Dr. Shrawan Kumar Pathak.//
 +
 +<WRAP info>
 +**Quick Reply:** If a private-sector worker dies, the family can claim a monthly **EPS-95** pension on **Form 10D**, an **EDLI** lump sum up to Rs 7 lakh on Form 5IF, an **NPS** death payout, or an **ESIC** dependants' benefit. File through the **EPFO Member Portal** with the death certificate and bank details.
 +</WRAP>
 +
 +Losing someone you love is hard enough without a maze of pension paperwork on top of it. Take a breath. This guide walks you through it calmly, one scheme at a time, so you know exactly what your family is owed and how to claim it. We cover workers in the organised and private sector, that is EPF, EPS-95, NPS and ESIC.
 +
 +If the person who died was a **central government employee**, your route is different. Please see our companion guide on [[https://righttoinformation.wiki/family-pension-after-husband-death-india|family pension after a husband's death]] for the CCS pension and Bhavishya process.
 +
 +===== First, find out which schemes covered them =====
 +
 +Most salaried workers in India are signed up to more than one safety net. Check the deceased person's salary slip, PF passbook or appointment letter for these:
 +
 +  * **EPF and EPS-95**: deducted from almost every private-sector salary above the wage threshold.
 +  * **EDLI**: free life insurance that rides along with EPF, no extra deduction.
 +  * **NPS**: a separate pension account, common with newer private and government jobs.
 +  * **[[/pf-pension/esic-benefits|ESIC]]**: covers lower-wage workers and is the one that pays a family pension if death was caused by a job injury.
 +
 +You may be able to claim from several at once. Gather the **UAN** (for EPF), the **PRAN** (for NPS) and the **ESIC insurance number** before you start.
 +
 +===== EPS-95 family pension: the monthly amount =====
 +
 +Under the [[/employees-pension-scheme-2026-eps-95-replaced-india|Employees' Pension Scheme 1995]], the spouse of a deceased member receives a **monthly widow or widower pension for life**, or until remarriage. The **minimum monthly EPS pension is Rs 1,000**. The exact amount depends on the member's [[/pf-pension/eps-higher-pension|pensionable salary and service]].
 +
 +Up to two children also get a child pension, each worth about **25% of the spouse's pension**, until they turn 25. If there is no surviving spouse, the children receive an orphan pension at a higher rate. Percentages can change, so do confirm the current figure on epfindia.gov.in before you plan your budget.
 +
 +==== How to claim the EPS-95 pension ====
 +
 +  - Log in to the **EPFO Member Portal** or visit the regional EPFO office.
 +  - Fill **[[/pf-pension/eps-pension-form-10d|Form 10D]]**, the monthly pension claim form.
 +  - Attach the death certificate, the claimant's bank passbook copy and KYC.
 +  - If the member's **e-nomination** was filed, the claim moves much faster. If not, you may need extra proof of relationship.
 +  - Track the claim status online and wait for the pension to start crediting your bank account.
 +
 +===== EDLI: the lump-sum insurance payout =====
 +
 +If the worker died while still in EPF-covered employment, the family is also entitled to **EDLI** life insurance. This is a one-time lump sum, paid on top of the pension. The **maximum payout is Rs 7 lakh** and the minimum is Rs 2.5 lakh.
 +
 +You claim EDLI using **[[/edli-form-5if-claim-epf-death-india|Form 5IF]]**, usually filed together with Form 10D. The money goes to the registered nominee. If no nominee was recorded, it passes to the legal heirs, which can mean extra paperwork, so e-nomination really does help your family later.
 +
 +===== NPS: when the worker had a pension account =====
 +
 +If the deceased held a **National Pension System** account, the corpus goes to the nominee or legal heir. For a **non-government subscriber**, the nominee can withdraw the savings and may also choose to buy an annuity for a regular income. For a smaller corpus the family can usually take the whole amount as a lump sum; confirm the current threshold on npscra.nsdl.co.in before you decide.
 +
 +For a **government NPS subscriber**, once the corpus is above the prescribed limit the default rule sends a large share into an annuity for the spouse, with the balance paid out; below that limit the family can usually withdraw the full amount. You apply using the death withdrawal form through the nodal office or the **CRA** at npscra.nsdl.co.in.
 +
 +{{ :social:auto:family-pension-flow.png?direct&760 |Process flow for Family Pension After Death 2026}}
 +
 +//Figure: step-by-step flow. If a step stalls, use the grievance or RTI route shown.//
 +
 +===== ESIC dependants' benefit: only for a job-related death =====
 +
 +This one is important and often misunderstood. The **[[/esic-dependants-benefit-widow-pension-work-death-india|ESIC dependants' benefit]]** is a monthly family pension, but it is payable **only when death was caused by an employment injury or an occupational disease**, not ordinary illness.
 +
 +When it applies, the benefit is **90% of the deceased worker's standard wage rate**, shared among the family: the widow gets the largest share for life or until remarriage, and each child gets a share until age 25. ESIC also pays **Rs 15,000 towards funeral expenses**. Claim it at the worker's ESIC branch office with the accident or medical records.
 +
 +===== What documents you will need =====
 +
 +Keep several certified copies of each, because every scheme asks for its own set:
 +
 +  * Original and copies of the **death certificate**.
 +  * The claimant's **Aadhaar, PAN and bank passbook**.
 +  * Proof of relationship: **marriage certificate** for a spouse, birth certificate for children.
 +  * The deceased's **UAN, PRAN or ESIC number** as relevant.
 +  * A recent passport photo of the claimant.
 +
 +===== If your claim is stuck or rejected =====
 +
 +Pension claims can stall over a missing nomination, a name mismatch or an incomplete service record. Do not give up. First, raise a grievance on the **EPFiGMS** portal for EPF and pension matters. If you still get no proper reply, file an **RTI application** to the Regional Provident Fund Commissioner asking for the status and reason for delay. For NPS use the CRA grievance route, and for ESIC use the branch manager or CPGRAMS. A polite, dated paper trail moves files faster than phone calls.
 +
 +You can also check where your application stands using our [[https://righttoinformation.wiki/check-status/start|status and complaint tracker]], and read the closely related guide on [[https://righttoinformation.wiki/claim-pf-death-benefit-nominee-2026|claiming a PF death benefit as a nominee]].
 +
 +===== Frequently asked questions =====
 +
 +==== Who gets the family pension first? ====
 +The spouse has first claim to the monthly EPS-95 or ESIC pension. Children come next, usually up to two at a time, and then dependent parents in some schemes. Each scheme has its own order, so check the rules for the one you are claiming under.
 +
 +==== Does the widow pension stop on remarriage? ====
 +The EPS-95 spouse pension and the ESIC widow share generally continue for life but stop on remarriage. In that case the children's pension usually continues. NPS and EDLI are one-time corpus or lump-sum payouts, so remarriage does not affect money already received.
 +
 +==== Can the family claim EPS-95, EDLI and NPS together? ====
 +Yes. These are separate schemes with separate funds. A worker covered by all of them can leave the family a monthly EPS pension, an EDLI lump sum and an NPS payout at the same time. File each claim on its own form.
 +
 +==== What if there was no nominee registered? ====
 +The claim is still valid, but it takes longer. Without a nominee the money goes to the legal heirs, who may need a succession or legal heir certificate. This is why filing the e-nomination while alive is so helpful for the family.
 +
 +==== Is the ESIC family pension available for any death? ====
 +No. The ESIC dependants' benefit is paid only when death resulted from an employment injury or occupational disease. For an ordinary death, the family should rely on the EPF, EPS-95, EDLI and NPS benefits instead.
 +
 +==== How long does a pension claim take? ====
 +A clean EPS-95 or EDLI claim with e-nomination and full documents is often settled within a couple of months. Missing papers or a name mismatch can stretch this, which is when the EPFiGMS grievance and RTI routes become useful.
 +
 +==== Is the family pension taxable? ====
 +Family pension is taxed under income from other sources, with a standard deduction allowed on it. Lump sums like EDLI and the EPF corpus have their own treatment. Confirm the current limits on the income tax portal before filing returns.
 +
 +==== Which portal do I start with? ====
 +For EPF, EPS-95 and EDLI, start at the EPFO Member Portal on epfindia.gov.in. For NPS use npscra.nsdl.co.in, and for ESIC visit your local ESIC branch or esic.gov.in.
 +
 +===== Sources =====
 +  * https://www.epfindia.gov.in/
 +  * https://www.npscra.nsdl.co.in/
 +  * https://esic.gov.in/benefits
 +  * https://epfigms.gov.in/
 +
 +{{tag>epf pf pension sic family death}}
  
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