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Will I Be Eligible for Family Pension After 10 Years of EPF?

Milind Vadjikar |1076 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Oct 14, 2024Hindi

Money

Hi, I will be completing 10 years of operation of my EPF when I turn 60 year next year in October 2025. Will I be eligible for family pension ? Or since 10 years of EPF account was not completed when I was 58 years old, I am not eligible to receive family pension ?

Ans: No.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by sanjeev - Jul 26, 2023Hindi

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I was a member of epfo from March'2007 to April 2021 in two different companies, my dob is 20-04-1965, now i am 58+ age , am i eligible for pension and how can i apply for the same, i had not withdrawn my pf as yet, please guide on the same also.

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.

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I am 62 now. I have 10 years, 1month and 30 days total service as per EPFO records, July 01, 2007 to 31.08.2017) Am I eligible for family pension? Please help.

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Question by SHAIK - Sep 22, 2023Hindi

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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 continue to contribute to the EPF scheme if you join a new company after availing EPF pension at the age of 58, provided that you are a full-time employee on the company’s payroll.

However, you will not be eligible to become a member of the EPS (pension) scheme again, as the EPS membership ceases once you start receiving pension after attaining the age of 58 years.

Therefore, the employer’s contribution of 8.33% that would otherwise go to the EPS will be added to your PF account instead. Hence, the total contribution of 12% employee and 12% employer will go in EPF.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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