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EPFO Member: How Can I Combine My Past and Present Service?

Milind

Milind Vadjikar  |753 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 07, 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
Jijabrao Question by Jijabrao on Nov 12, 2023Hindi
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I am meber of EPFO, DEC 1995 TO MARCH 1999 , THEN BREAK & AGAIN JOIN TO EPFO FROM 8 FEB 2006 TILL TODAY, & I HAVE GOT UAN NUMBER FROM FEB 2006 BUT FROM DEC 95 TO MARCH 1999 , THERE WAS NO PROVISON FOR UAN NUMBER, THEN HOW CAN MY LAST SERVICE ADD WITH PRESNT UAN NUMBER

Ans: You may have physical PF slips, documents from your employer which provide details of your EPF account during 1995 to 1999. If you have these records then you can visit EPFO and furnish application to link(merge) this account with your current UAN. They may need a letter from your employer during that phase, attesting the facts about your EPF account.
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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i have worked in 5 different companies from 1992 to 2012 and contributed to EPF and EPS. i have UAN number. Last company i worked and contributed to EPS was till aug2012, Now the company is closed the operation and not updated my service records from 1992.How to get it done? please guide.
Ans: To update your service records and correct the discrepancies in your EPF and EPS contributions, follow these steps:

UAN Portal Login:
Log in to the UAN (Universal Account Number) portal using your UAN and password.
Verify your personal details and check the service history available.
Contact Previous Employers:
Reach out to your previous employers from 1992 to 2012 to obtain your PF account number and passbook or statement.
Request them to update your exit date and contribution details if they haven't already.
EPFO Grievance Cell:
If your previous employers are unresponsive or the company is closed, raise a grievance on the EPFO (Employees' Provident Fund Organisation) portal.
Provide details like company name, dates of employment, and UAN for quicker resolution.
PF Regional Office:
Visit the nearest PF regional office with necessary documents like ID proof, service certificates, and bank passbook.
Submit a written request to update your service history and contributions.
Legal Assistance:
If the above steps don't yield results, consider seeking legal assistance to resolve the issue.
Regular Follow-up:
Follow up regularly with EPFO or the grievance cell for updates on your request.
Keep copies of all communication and documents for future reference.
Remember to keep your communication polite and professional, and maintain records of all interactions for documentation. It may take some time to resolve, but persistence should help you correct your service records and contributions.

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Ans: To manage finances while working, consider the following strategies. Stay in your current job and focus on improving skills for a higher salary. Talk about getting a raise by showcasing how you've helped students succeed and boosted the consultancy's reputation. Enhance your value by acquiring certifications in areas like international education consultancy, digital marketing, or advanced content editing. Consider remote counselling or mentoring opportunities. Set work-life boundaries to avoid burnout and maintain financial discipline. Consider freelancing or local counselling groups for part-time opportunities. Level up your skills to increase earning potential in your current consultancy. Also, fine-tune your LinkedIn Profile with Job Alerts for ABROAD EDUCATION COUNSELLOR Jobs. If affordable, go for one on one counselling/coaching with any reputed Career Coach having specialised knowledge in Job Search Strategies such as Vikram Anand or Sakshi Chandrasekar who can help you in searching for better job options & in fine-tuning your LinkedIn Profile.
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Asked by Anonymous - Dec 05, 2024Hindi
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I am 39 and married for 11 years now, my husband doesn't support me financially at all. My salary is more than him but I bought house my own and paying all EMIS, looking for all household expenses and also paying school fees and other expenses for my son. My husband looks after only his parents, spend all money on them. Earlier we used to live together in inlaws house but they have spending habits for luxury, cloths, food etc even though my husband earns very less and my father in law retired with no income they were not ready to compromise on their spending habits. Whatever they had received after their retirement they entirety spent on their daughters marriages with no money left. When I got married they asked for my salary and used to give them. Mine and my husband salary was not enough for them so they sold house without informing me, I insisted them to buy at least small house but did not agree and kept on spending money on their lavish life, foreign trips, food, cloths etc. also helped daughters to buy house, maintenance and their childrens study. But did not let their son live life as ask him to pay rent for their house, household and maintenance expenses and they spend their money on their own luxury. They asked for my salary even though they have money and just spending for luxury and not even thinking for our future. When I denied to give salary, they asked me leave their house and made me difficult to live with them doing harrasment and taunts so I decided to leave and buy new house.Now I am living with my son separately, when my husband came to know about my new house he came to stay with us by not even paying single rupee to me. I asked him several time for money he only pays one or two thousand saying I don't have money at all to give you. Not taking care of son, his studies, school fees, do not help me in anything. My in laws keep doing his brain wash against me so that he will not support me financially or anyway. He always listens to his parents and sisters. There is no husband wife relationship at all between us. Not sure how to deal with it.
Ans: First, recognize and honor the strength it has taken to come this far. Buying a home, raising your son, and managing the weight of these challenges on your own are significant accomplishments that reflect your resilience and determination. That said, a marriage is meant to be a partnership, and it’s clear that your husband’s lack of financial contribution and emotional support has created an imbalance that’s unsustainable.

It’s important to look at the patterns in your relationship with clarity. Your husband’s decisions seem to be heavily influenced by his family, and this loyalty, while not inherently wrong, appears to come at the expense of his commitment to you and your shared responsibilities. The fact that he contributes so little financially and emotionally while benefiting from your efforts shows a lack of fairness and respect in the relationship. His parents’ behavior and expectations have added further strain, undermining your marriage and creating an environment of resentment.

You may want to consider having a clear and honest conversation with your husband. Express how his actions—or lack thereof—are impacting you and your son. Frame the conversation not as a confrontation but as a plea for understanding and change. However, if he remains unwilling to acknowledge or address these issues, it’s worth reflecting on what staying in this relationship means for your emotional well-being and future.

Seeking professional support, such as individual counseling, can provide you with a safe space to explore your feelings, gain clarity, and develop strategies for managing this situation. A legal consultation might also be helpful to understand your rights and options, especially if you’re considering separation or seeking financial accountability from your husband for your son’s needs.

Above all, focus on what you need to feel secure, respected, and fulfilled—not just as a wife, but as a person. Your son is observing how you handle these challenges, and by prioritizing your well-being and standing up for fairness, you’re also modeling strength and self-respect for him. Whatever steps you decide to take, trust in your ability to make decisions that align with your dignity and values. You deserve a life where your efforts are met with partnership and mutual care.

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Asked by Anonymous - Dec 04, 2024Hindi
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Hi i am 43 yrs old, working in a multination firm. Married with a kid who is 7. My relationship with my wife is not going good for some time now, the communication is only transactional. I dont know if she is seeing someone or not, but we feel detached from each other. Now i have developed some feelings at my work with a 24 yr old women, also she seems to be interested in me. But she is also trying to get back to her BF who is studying overseas. I am a bit lost here cause i am toyaly confused on wat to do?
Ans: Open communication with your wife can be incredibly valuable, even if it feels awkward or difficult. Sharing your feelings of detachment and asking her how she feels might provide clarity about where you both stand and whether there’s a willingness to work on rebuilding the connection. Counseling or therapy, either individually or as a couple, can also be a safe space to explore these issues further.

Regarding your feelings for the woman at work, it’s essential to approach this with caution. While the connection might feel exciting and fulfilling, it’s important to ask yourself whether pursuing it is truly in alignment with your values and long-term goals. She also appears to have unresolved feelings toward her boyfriend, which adds another layer of complexity. Relationships born from a place of emotional vulnerability often carry risks, and it’s worth reflecting on whether this is about genuine compatibility or an escape from current challenges.

Your child is also a significant factor to consider. Decisions about your personal relationships inevitably affect your family dynamics, and it’s worth reflecting on what stability and clarity mean for them at this stage in their life.

Take some time to focus on self-reflection. What do you truly want for yourself, your marriage, and your future? What steps can you take to address the current disconnection, whether through repair or a mutual decision to move forward separately? Acting from a place of clarity and integrity will help you feel more grounded and less conflicted about your path forward. You deserve fulfillment, but ensuring that it’s built on a foundation of honesty and thoughtfulness will bring lasting peace, not just temporary relief.

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I’ve been holding onto a grudge against a friend who hurt me years ago. While I’ve tried to move on, the memories keep coming back, and I feel like it’s stopping me from fully trusting others. How can I let go of this resentment and stop it from affecting my present relationships?
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You might also want to examine the story you’ve been telling yourself about this hurt. Often, we replay painful memories as if to protect ourselves from being hurt again, but in doing so, we allow the past to shape how we approach the present. Try reframing the narrative, focusing not on what you lost but on how you’ve grown. You’ve survived this hurt, and it’s a testament to your resilience.

Forgiveness can also play a key role, not necessarily as an act for the other person, but as a gift to yourself. Forgiveness doesn’t mean rekindling the friendship or even directly addressing the person—it’s a way of releasing the hold they have on your emotions. You can write a letter to your friend expressing all your feelings and then decide whether to send it or simply let it be a personal act of closure.

When it comes to trusting others, remind yourself that the actions of one person don’t define everyone. Trust grows in small, consistent steps. Start by recognizing the people in your life now who have shown care and consistency, and allow yourself to open up gradually.

Healing isn’t a straight path, and memories might still surface from time to time. When they do, instead of resisting them, acknowledge them and remind yourself that they no longer have power over you. With patience and self-compassion, you can move forward, lighter and more open to the connections that await you. You deserve the freedom to trust and to live fully in the present.

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