EPFO New Rule 2025 : Hello friends, a very big and important decision has been taken by the Employees’ Provident Fund Organization in the year 2025, which will benefit crores of employees of the country as well as their families. Let us tell you employees that despite there being no balance in the PF account, they are going to get ₹ 50000.
Yes, this is not a joke but we are telling you the truth that this money will be received under EPFO New Rule 2025. So through this article today, we will know how every employee will get ₹ 50000 under EPFO New Rule 2025 even if there is ₹ 0 balance in PF.
EPFO New Rule 2025 : New Update
EDLI scheme is known as the life insurance protection scheme run under EPFO. The aim of this scheme is to provide free financial assistance to the family of the employee if he dies during service. Under the scheme, the minimum sum insured is ₹2.5 lakh and the maximum sum insured is ₹700000 (potential). This is determined according to the last salary of the employee.
Earlier, it was necessary for the employees to have a minimum balance of ₹50000 in their PF account only then the insurance benefits were given to the family of the employees. But under the new rule, this condition has completely changed. Even if there is zero balance in your PF account, the nominee will definitely be given a minimum of ₹50000.
Who will get the benefit and what are the conditions
Under EPFO New Rule 2025, if an employee dies while on the job – Even if there is no balance in his PF account i.e. there is zero rupees – then the nominee is going to receive this amount.
One change in the rule is that now if there is a gap of 60 days between changing jobs, then the employee will be considered as a continuous employee. This means that even in such a case, the family will get insurance tax whereas earlier in such a situation, insurance was provided instead of benefits.
Who will receive the insurance amount and how to apply?
The amount of EDLI insurance is given to the nominee or legal heir of the employee. If you all want to apply for this, then you can get the relevant form (Form-5IF) from the office of EPFO or if you want, you can download it through the official website.
Along with this, it is mandatory to attach all the important documents with the form. For example, death certificate of the employee, voter ID of the nominee or legal heir, photocopy of bank account, etc.
If the nominee has not been nominated by the employee, then the applicant will also be able to claim the insurance amount. The umbrella office of EPFO will check the application and only after that will transfer the amount to the account, however, the entire process here can take about a week to 2 weeks.
