I need your support regarding the higher pension scheme of EPFO. I applied for this scheme, but my application was rejected. From what I understand, my request was rejected because my previous employer, Mphasis Ltd., is considered an exempted establishment. However, to the best of my knowledge, when I was employed with Mphasis from 2009 to 2012, it was not an exempted establishment for PF. Could you please assist me in replying to the PF department? Is there any way to get my application approved? Thank you so much in advance.

Ans: You can get it from the nearest EPFO office. The online link on the EPFO portal was not working when I tried.

Ans: Dear Ravindra Pateria,

I understand your concern and the urgency you feel regarding the approval of your enhanced pension under EPS 95 by EPFO. It's frustrating when bureaucratic processes become hurdles in securing what's rightfully yours.

Given that you've already taken steps by lodging grievances and reaching out to both EPFO and the liquidator, it might be helpful to escalate the issue further. You could consider writing a formal letter to EPFO, highlighting the urgency and attaching all the necessary documents as proof of your service with the closed organization.

Additionally, you might want to consult with a legal advisor or approach a local EPFO office directly. They might be able to provide guidance on the specific provisions and rules that govern such cases and suggest alternative ways to expedite the approval process.

Remember, persistence often pays off in such situations. Keep all your communications documented and follow up regularly. Wishing you the best in resolving this issue promptly.

Ans: Hello;

Eligibility for EPS pension is atleast 10 years of continuous service with continuous contribution towards EPF &EPS during this period.

There is not even one day leniency allowed for this rule so sorry to say but you are not eligible for EPS pension.

Best wishes;

Ans: Hi Prasad,

Dealing with a closed former employer when applying for a higher pension is a common issue. Since the EPFO needs employer verification to process your application, you have a few ways to address this specific problem.
1. File a Grievance on EPFiGMS: Your first action should be to formally file a complaint using the Employees' Provident Fund Integrated Grievance Management System (EPFiGMS) portal.
* Grievance Category: Select "Higher Pensionary benefits on higher wages" or the most similar option.
* Explain Clearly: State that your former employer has closed and cannot provide the necessary verification.
* Include Details: Provide the specific period of your service with that company.
* Mention Your Application: Confirm that you have already submitted your higher pension application.
* Check for Successor: If the old company was bought out or merged, mention if your current employer can provide the wage records.

2. Escalate to the Regional PF Commissioner (RPFC): If the EPFiGMS complaint doesn't resolve the matter, you should take your case directly to the Regional PF office that holds the records for your past service.
* Submit a Written Request: Write a formal letter to the RPFC explaining your entire situation and the lack of resolution from the closed company.
* Attach Documents: Include a copy of your higher pension application and all supporting documents you possess. Also, include any proof that the company is permanently closed.
* Cite Legal Principles: Gently remind the RPFC that legal rulings have established that the EPFO should not block entitlement based on procedural issues when an employer is closed or uncooperative.

This process focuses on creating a clear paper trail and using the mechanisms the EPFO has in place to deal with non-existent employers.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/