Sir, I am 60 years old and already availing EPF Pension after completion of 58 years of age, now if join I join any company for about 3 to 4 years and company wants to provide me EPF scheme will it be possible to do so. Could you please clarify in this regard. Thanks

Ans: You can start your pension from EPF in the following circumstances:
• At the age of 58: This is the normal age of retirement for EPF members. If you have completed 10 years of service, you will be eligible to start your pension at the age of 58.
• After the age of 60: If you defer your pension beyond the age of 58, you will be eligible to receive a higher pension amount. For every year that you defer your pension, you will receive an additional 4% of your pension amount.
To start your pension from EPF, you will need to fill out Form 10D and submit it to your EPFO office. You will also need to provide proof of your age and service.

Ans: Since you've contributed to the Employees' Provident Fund (EPF) for 9 years in your previous organization, you may be eligible for a pension under the Employees' Pension Scheme (EPS) managed by the Employees' Provident Fund Organization (EPFO).

The eligibility for pension under EPS is based on the number of years of service and the average monthly salary during the contributory period. To qualify for a pension, you typically need to have completed at least 10 years of eligible service. However, there are certain exceptions and provisions for early pension eligibility under specific circumstances.

Given that you have contributed to EPF for 9 years, you may consider exploring options to complete the required 10 years of service, either by contributing voluntarily to EPF or by transferring your EPF accumulations from your previous organization to your current one, if feasible.

It's advisable to reach out to the EPFO or consult with a financial advisor to understand your specific eligibility for pension under EPS and explore potential options to fulfill the requisite service period. They can provide personalized guidance based on your individual circumstances and help you navigate the process effectively.