EDLI Insurance: How Much the Family Gets and How to Claim
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EDLI is free life insurance for EPF members, paid for by the employer (0.5% of wages). If a member dies while in service, the family gets 35 × average monthly wage plus a bonus of half the average PF balance (up to ₹1.75 lakh), subject to a maximum of ₹7 lakh and a minimum of ₹2.5 lakh in eligible cases.
How the amount is worked out
| Part | Example: wage ₹25,000 |
|---|---|
| 35 × average monthly wage (last 12 months) | ₹8,75,000 |
| + 50% of average PF balance, up to ₹1,75,000 | up to ₹1,75,000 |
| = Calculated | ₹10,50,000 |
| Paid (maximum ₹7 lakh) | ₹7,00,000 |
How to claim
- Gather death certificate and claimant's bank details
- Online with e-nomination, or Form 5IF through the employer
- EPFO settles; paid to the claimant
Full family checklist: death claim.
Frequently asked questions
Does the ₹25,000 ceiling raise the maximum to ₹10.5 lakh?
No. EPFO has said the maximum stays at ₹7 lakh under the EDLI Scheme 2026, pending an actuarial review.
Does the employee pay anything for EDLI?
No. The employer pays 0.5% of wages. It is free for the employee.
Sources
- EPFO: Wage ceiling FAQs (Q38: 35 × wage, 50% of balance up to ₹1.75 lakh, maximum ₹7 lakh under EDLI Scheme 2026).
- EPFO: EDLI, accessed 5 Nov 2026.