How Can I Claim Unclaimed PF from a 1983-1987 Job?

Ans: Given your situation, consolidating and tracking your EPF contributions and benefits can be a bit challenging but certainly manageable. Here’s a step-by-step guide to help you navigate this:

Consolidation of UAN: If you have a UAN (Universal Account Number), ensure that all your previous PF accounts are linked to it. You can do this by logging into the EPFO portal and checking the 'Manage' tab under 'For Employees'. If your previous companies have not linked your UAN to their establishment IDs, you can request them to do so.
Transfer of EPF: Use the EPFO's online transfer portal to transfer the EPF accumulations from your previous accounts to your current PF account. This will consolidate all your PF accumulations into one account, making it easier to manage and track.
EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer. A scheme certificate provides details of your service and contributions and can be used to avail pension benefits at the age of 58.
Pension at Reduced Rates: If you opt for pension before attaining the age of 58, it would be at a reduced rate. However, if you choose to defer it, your pension amount will increase. You can apply for a reduced pension through your current employer or directly with the EPFO after completing Form 10D.
Contact EPFO: If you face any issues or discrepancies in your PF accounts, reach out to the EPFO regional office or helpdesk. Provide them with the necessary details and documents, including your UAN, PF account numbers, and service details with each employer.
Consult a Financial Advisor: Given the complexities involved in EPF and EPS, consulting a financial advisor or a retirement planner can be beneficial. They can guide you through the process, help you understand the implications of withdrawing or transferring your EPF and EPS accumulations, and assist you in making informed decisions regarding your retirement benefits.
Remember, it's essential to keep track of your EPF and EPS contributions and benefits to ensure you maximize your retirement benefits and make informed decisions. Taking proactive steps now can help you secure a comfortable retirement.

Ans: Hello;

You and your other colleagues may consult a lawyer specializing in labour laws and act as per his advice for non payment of 3 M salary and arbitrary closure of operations by the employer.

You may lodge a grievance against the employer in EPFiGMS the online system for grievance management, regarding non-cooperation for EPF withdrawal by providing documents as proofs, justifying your complaint.

Best wishes;

Ans: Hello;

Please seek clarity from your HR Deptt on this matter preferably in writing.

If the answer is not satisfactory you may complain to EPFO.

Best wishes;

Ans: Hello;

Please seek clarity from your HR Deptt on this matter preferably in writing.

If the answer is not satisfactory you may complain to EPFO.

Best wishes;

Ans: Hello;

Firstly check with your family if some of your family members have withdrawn it on your behalf.

Double check with EPFO if they are referring to the correct EPF account.

If not then please file a grievance with EPFIGMS grievance redressal portal of EPFO.

If you still do not get proper response you need to send legal notice through your lawyer/EPF consultant for claim of EPF and pension and also file Police complaint for fraud.

Best wishes;