{"id":42584,"date":"2025-10-28T12:25:04","date_gmt":"2025-10-28T06:55:04","guid":{"rendered":"https:\/\/www.kanakkupillai.com\/learn\/?p=42584"},"modified":"2025-10-28T12:25:04","modified_gmt":"2025-10-28T06:55:04","slug":"employees-deposit-linked-insurance-scheme-edli","status":"publish","type":"post","link":"https:\/\/www.kanakkupillai.com\/learn\/employees-deposit-linked-insurance-scheme-edli\/","title":{"rendered":"Employees Deposit Linked Insurance Scheme (EDLI)"},"content":{"rendered":"<p>The concept of <strong>Employees\u2019 Deposit Linked Insurance (EDLI) Scheme<\/strong> is one of the major social security benefits which is provided under the Employees\u2019 Provident Fund (<a href=\"https:\/\/www.kanakkupillai.com\/pf-registration-online-in-india\"><strong>EPF<\/strong><\/a>) structure in India. While most of the employees are aware and active regarding the Provident Fund (PF) and Employees\u2019 Pension Scheme (EPS), many are not familiar or aware of the EDLI scheme, which is an important safety net for the families of the employees in case of their untimely death during service.<\/p>\n<p>This blog will help you understand what the EDLI scheme is, how it works, its eligibility, benefits, calculation method, claim process, and other important elements.<\/p>\n<h2>What is the Employees\u2019 Deposit Linked Insurance (EDLI) Scheme?<\/h2>\n<p>The concept of the EDLI Scheme was launched in 1976 by the Employees\u2019 Provident Fund Organisation (EPFO) under the Employees\u2019 Provident Funds and Miscellaneous Provisions Act, 1952.<\/p>\n<p>The primary objective of the scheme is to provide an approximation. or lump sum amount of insurance benefit to the family (who is the nominee or legal heir) of an EPF member in the event of the member\u2019s death while in the active or present service&#8230;!<\/p>\n<p>In simple words, EDLI acts as a life insurance cover linked to the employee\u2019s EPF account, where the benefit amount depends on the employee\u2019s last drawn salary and the accumulated balance in the Provident Fund account.<\/p>\n<h2>Applicability of the EDLI Scheme<\/h2>\n<p>The EDLI scheme applies to all establishments covered under the <strong>EPF Act, 1952<\/strong>.<\/p>\n<ul>\n<li><span style=\"margin: 0px;padding: 0px\">It is\u00a0<strong>mandatory<\/strong>\u00a0for every organisation with\u00a0<strong>20 or more employees<\/strong> to subscribe to the EPF, EPS, and EDLI schemes.<\/span><\/li>\n<li>However, even smaller establishments can <strong>voluntarily<\/strong> opt for these schemes.<\/li>\n<li>All employees who are <strong>EPF members<\/strong> are automatically covered under the EDLI scheme, without any separate application or contribution from the employee.<\/li>\n<\/ul>\n<h2>Contributions under EDLI Scheme<\/h2>\n<p>One of the biggest advantages of EDLI is that employees do not have to pay anything towards it. The entire contribution is made by the employer.<\/p>\n<p>Here\u2019s how the contribution works:<\/p>\n<ul>\n<li><strong>Employer\u2019s contribution:<\/strong> 0.5% of the employee\u2019s monthly basic salary + dearness allowance (DA) is paid towards the EDLI scheme.<\/li>\n<li><strong>Wage ceiling:<\/strong> The contribution is calculated on a maximum salary limit of \u20b915,000 per month.<\/li>\n<li><strong>Maximum contribution amount:<\/strong> 0.5% of \u20b915,000 = \u20b975 per month per employee.<\/li>\n<li><strong>No contribution from employee:<\/strong> The employee pays nothing towards the EDLI scheme.<\/li>\n<\/ul>\n<p>In addition to this, the employer also pays administrative charges to maintain the account, though these are minimal.<\/p>\n<h2>Eligibility for EDLI Benefit<\/h2>\n<p>To be eligible for the EDLI benefits, the following conditions must be met: &#8211;<\/p>\n<ol>\n<li>The deceased employee must have been a member of the EPF at the time of death.<\/li>\n<li>The death must have occurred or the event of death while the employee was still in service (i.e., before retirement, resignation or termination).<\/li>\n<li>The nominee registered under the EPF account is eligible to claim the benefit.<\/li>\n<li>If there is no nominee, the <a href=\"https:\/\/www.kanakkupillai.com\/learn\/how-to-get-a-legal-heir-certificate-tamil-nadu-india\/\"><strong>legal heir<\/strong><\/a> (spouse, children, or dependent parents) can claim the insurance amount.<\/li>\n<\/ol>\n<p>Even if the employee had not completed a minimum service period, the nominee\/legal heir is still entitled to receive the EDLI benefit.<\/p>\n<h2>EDLI Benefit Amount: How it is Calculated<\/h2>\n<p>The benefit amount under the EDLI scheme is linked to the employee\u2019s last drawn salary (Basic + DA).<\/p>\n<p>As per the latest notification by the EPFO (effective from April 2021):<\/p>\n<ul>\n<li>The insurance benefit payable is 35 times the average monthly salary (Basic + DA) drawn in the last 12 months, subject to a maximum of \u20b915,000 per month.<\/li>\n<li>Additionally, a bonus amount of \u20b91,75,000 is payable.<\/li>\n<\/ul>\n<h2>Documents Required for Claiming EDLI<\/h2>\n<p>To claim the EDLI benefits, the nominee or legal heir must submit the following documents to the EPF office through the employer or directly (if the employer is not operational):<\/p>\n<ol>\n<li><strong>Form 5IF<\/strong> \u2013 Application form for claiming EDLI benefits.<\/li>\n<li><strong>Death Certificate<\/strong> of the deceased employee.<\/li>\n<li><strong>Nominee\u2019s or legal heir\u2019s identity proof<\/strong> (Aadhaar, PAN, etc.).<\/li>\n<li><strong>Bank details<\/strong> (cancelled cheque or bank passbook copy).<\/li>\n<li><strong>Proof of relationship<\/strong> with the deceased employee (if the claimant is a legal heir).<\/li>\n<li><strong>Employer\u2019s certificate<\/strong> confirming the employment and EPF membership details.<\/li>\n<li><strong>EPF account number<\/strong> of the deceased member.<\/li>\n<\/ol>\n<h2>Procedure for Claiming EDLI Benefits<\/h2>\n<p>The process of claiming EDLI benefits is straightforward and can be done both offline and online.<\/p>\n<h3>Offline Process:<\/h3>\n<ul>\n<li>Download <strong>Form 5IF<\/strong> from the EPFO website.<\/li>\n<li>Fill in the necessary details and attach the required documents.<\/li>\n<li>Submit the form to the regional EPF office through the employer.<\/li>\n<li>The claim is processed after verification, and the benefit amount is credited to the nominee\u2019s bank account.<\/li>\n<\/ul>\n<h3>Online Process:<\/h3>\n<ul>\n<li>If the EPF account of the deceased employee was linked with Aadhaar and UAN, the nominee can file the claim online via the <a href=\"https:\/\/unifiedportal-mem.epfindia.gov.in\/memberinterface\/\"><strong>EPFO Member Portal<\/strong><\/a>.<\/li>\n<li>Log in using the UAN credentials, go to the \u2018Online Services\u2019 tab, and choose the EDLI claim option.<\/li>\n<li>Upload documents and submit the claim electronically.<\/li>\n<\/ul>\n<p>Once the EPFO verifies the claim, the insurance amount is directly transferred to the claimant\u2019s bank account.<\/p>\n<h3>Processing Time<\/h3>\n<p>The EPFO aims to settle EDLI claims <strong>within 30 days<\/strong> from the date of receipt of the claim. In case of delay beyond 30 days, the claimant is eligible for <strong>interest at 12% per annum<\/strong> on the delayed payment.<\/p>\n<h2>Key Features and Advantages of the EDLI Scheme<\/h2>\n<ol>\n<li><strong>Automatic Coverage:<\/strong> No need for a separate policy or premium payment by the employee.<\/li>\n<li><strong>Life Insurance Protection:<\/strong> Provides financial security to the family in case of the employee\u2019s death during service.<\/li>\n<li><strong>No Minimum Service Requirement:<\/strong> Even short-term employees are covered.<\/li>\n<li><strong>Affordable for Employers:<\/strong> Only 0.5% of the employee\u2019s salary as a contribution.<\/li>\n<li><strong>Nationwide Coverage:<\/strong> Applicable to all establishments under the EPF Act.<\/li>\n<li><strong>Hassle-free Claim Process:<\/strong> Simplified and transparent, both offline and online.<\/li>\n<\/ol>\n<h2>Conclusion<\/h2>\n<p>The concept of Employees\u2019 Deposit Linked Insurance (EDLI) Scheme is an essential process yet often overlooked component of India\u2019s social security structure. It ensures that in the unfortunate or unforeseen event of an employee\u2019s death during service, their family receives financial support without any cost or effort from the employee\u2019s side, so basically, it is very important for the purpose of family security.<\/p>\n<p>Every salaried employee covered under the EPF Act is automatically protected by this insurance, making it an essential part of the employment benefit system. Employers should ensure timely contributions and accurate nominations, while employees must keep their EPF details and nominee information updated to safeguard their families\u2019 interests.<\/p>\n<p>In a world full of uncertainties, EDLI serves as a lifeline of security for millions of working families across India.<\/p>\n<p><strong>Related Services<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.kanakkupillai.com\/pf-registration-online-in-india\">EPF Registration Online<\/a><\/li>\n<li><a href=\"https:\/\/www.kanakkupillai.com\/pf-return-filing\">PF Return Filing Online<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The concept of Employees\u2019 Deposit Linked Insurance (EDLI) Scheme is one of the major social security benefits which is provided under the&#8230;<\/p>\n","protected":false},"author":30,"featured_media":40456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4049],"tags":[],"class_list":{"0":"post-42584","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-provident-fund"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.1 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Employees Deposit Linked Insurance Scheme (EDLI)<\/title>\n<meta name=\"description\" content=\"Employees Deposit Linked Insurance (EDLI) Scheme \u2013 its benefits, eligibility, contribution rates, and claim process. 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