FREQUENTLY ASKED QUESTIONS |
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1) Who will be covered by the
Pension Scheme?
Every member of the ceased Family Pension Scheme
1971 and anyone who joins any covered establishment on or
after 16-11-95 is compulsorily to join this scheme, provided
his/her salary/wage is less than Rs. 6500/- per month at the
date of appointment. |
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2) What is a covered establishment?
Covered establishment is an establishment belonging
to the class of industries / other establishments, which has
been listed in the schedule appended to the Employees' Provident
Fund and Miscellaneous Provisions Act 1952 and where 20 or
more persons are employed. |
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3) If employee was a Family Pension
Scheme member. He/She has left on 13-12-93 and he/she is 54
years old. He/She has taken his withdrawal benefit. Can he/she
join the new scheme?
Yes, by refunding withdrawal benefit together with
interest. Thereafter, he/she will be entitled to receive pension
from age 58, if he/she completes atleast 10 years of contributory
service by then. |
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4) If employee is a Family Pension
Scheme Member and he/she has retired after 58 years of age
on 15-01-94. Can he/she join the new scheme?
Yes, anyone who has retired by reaching age 58 between
01-04-93 and 15-11-95 may join the scheme by returning the
withdrawal benefit along with interest. He will be paid pension
with immediate effect, from date of exit provided he has rendered
10 years of contributory service. |
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5) If employee is not a Family
Pension Scheme member and he/she is 56 years of age, Can he/she
join Family Pension?
Yes, by diverting from his/her Provident Fund balance,
Family Pension Scheme contribution from date of his/her joining
or 01-03-71, whichever is later. |
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6) Whether the Family Pension
Scheme member who has attended the age of 58 years before
01-04-93 and has left employment after 01-04-93 will be admitted
to the scheme as member of Family Pension Scheme, 1971?
Yes, he will be deemed to have retired after 01-04-93.
On repayment of that withdrawal benefit which was paid, Pension
will be paid from same date, provided he has rendered 10 years
of contributory service. |
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7) In case Family Pension member
has attained the age of 58 years between 01-04-93 and 16-11-95
then in that case whether arrears of monthly Member Pension
become payable for the period earlier than 16-11-95 i.e. from
the date of his/her attaining the age of 58 years which is
prior to 16-11-95?
No, he/she will be deemed to have retired from 16-11-95
and pension paid accordingly. |
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8) Is employee the only beneficiary
of Fund?
Benefit will be paid to him/her and in his/her absence
to his/her family. |
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9) What is meant by Family?
Family means employees' spouse and children below
25 years of age. |
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10) Suppose an employee does not
have a Family and he/she dies before receiving benefit. Does
his/her pension get lost?
No, if he/she does not have a family, benefits will
be paid to his/her nominee, who will receive the benefit in
his/her absence. |
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11) Suppose member has not nominated
anyone.
The pension / ROC will be paid to the dependent parents. |
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12) Can member change his/her
nomination?
He/She can change his/her nomination whenever he/she
decides within the framework of rules for such nomination.
In other words if he/she has a family, nomination should be
in favour of a member(s) of the family. If he/she has no family
he/she can nominate anyone he/she wishes. |
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13) How many years service is
required to be eligible to receive member pension?
Minimum 10 years eligible service will entitle for
member pension. |
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14) Employee is a member
of Employees' Pension Scheme. He/She has left employment at
48 yrs. of age and 8 yrs. of service. When shall he/she receive
his/her pension?
He/She can take either withdrawal benefit or can
take scheme certificate so that the 8 years service can be
added to any future service that he / she may put in, in any
other covered establishment. By virtue of being a holder of
a scheme certificate, if the member dies before 58 years widow
/ widower and children shall be entitled for pension. |
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15) What is past service
pension?
This pension is for the period of membership of the
Employees' Family Pension Scheme, 1971. |
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16) When does an employee become
eligible to become a member of Employees' Provident Fund Scheme,
1952 and Employees' Deposit Linked Insurance Scheme, 1976?
An employee becomes a member of Employees Provident Fund (Employees'
Provident Fund) Scheme, 1952 / Employees Deposit Linked Insurance
(Employees' Deposit Linked Insurance) Scheme, 1976 immediately
on joining an establishment covered under the Employees Provident
Funds & Miscellaneous Provision Act, 1952.
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17) What is nomination?
Every member has to give the details of himself &
details of the nominee for Employees' Provident Fund &
Employees' Deposit Linked Insurance Schemes and details of
family for Employees Pension Scheme, 1995 in form no. 2.
A member if, is having a family can nominate any one or more
persons to receive the Provident Fund on his death. In case
of him having no family he can nominate any other person.
Family for the purpose of Employee Provident Fund Scheme'52
means wife/husband, children, whether married or unmarried,
including adopted children, if adoption is recognized and
dependant parents of member.
Employees Deposit Linked Insurance Scheme benefit will be
paid to the nominee under Employees Provident Fund Scheme,
1952.
For the purpose of Employees Pension Scheme,1995 the member
has to furnish the details, such as name, relationship &
age of all the family members in the form no. 2. Family for
the purpose of Employees Pension Scheme, 1995 means wife/husband
& children. Whenever member wants to make a change in
the nomination already made for Provident Fund, or to update
the details of family for Employees Pension Scheme,1995, he
has to send a revised form no. 2. The form no.2 is routed
through the employer.
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18) What are the periodical
returns to be sent by an employer to the Provident Fund Office?
The employer of an un-exempted establishment has
to forward the following returns. These returns will include
details required under the three schemes namely, Employees
Provident Fund Scheme, 1952, Employee Deposit Linked Insurance
Scheme,1976 and Employee Pension Scheme, 1995.
a) Form-9(Revised):
The details of employees enrolled as members of Employees'
Provident FundS'52, Employees' Deposit Linked Insurance'76
& Employees' Pension Scheme'95 on coverage of the establishment-
This is to be submitted immediately after coverage, within
15 days of coverage.
b) Form-12A:
The details of the contributions recovered form the members
& paid along with details of employers' contribution &
administrative charges- This is to be submitted monthly by
25th of following month.
c) Form-5:
The details of the employees enrolled newly to the Provident
Fund- To be submitted along with Form-12A every month within
15 days of the following month.
d) Form-10:
The details of the employees leaving service during the month-
To be submitted along with form-12A.
e) Challans:
The triplicate copy of challans in token of having remitted
the Provident Fund dues in the bank- to be submitted along
with form-12A every month.
f) Form-2(Revised):
Nomination form- To be submitted along with form-5/9.
g) Form-3A:
The details of wages & contributions in respect of each
member, to be prepared financial year wise- To be submitted
to the Provident Fund office by 30th of April every year.
h) Form-6A:
Yearly consolidated statement of contributions- To be forwarded
yearly along with form-3A. It should be ensured that all the
form-3A are entered in form-6A, irrespective of whether the
form-3A was forwarded for the broken period and the total
dues as per the form-12A for the whole year agrees with the
total of form-6A within 30th April.
i) Form-5A:
Return of ownership of the establishment- To be forwarded
immediately after coverage & whenever there is a change
in the ownership, it has to be intimated with in 15 days of
change.
j) Specimen signature:
Specimen signature of the officer/officers who are authorized
to sign the returns/documents relating to Provident Fund forwarded
immediately after coverage & whenever there is a change
in
authorized officer.
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19) What is the procedure to
be followed by the member if the employer is not attesting
his claim forms?
It is the duty of the employer under the Act &
Scheme to help Employees' Provident Fund organisation to settle
the Provident Fund dues of his employees. He has to complete
the prescribed application within 5 days of receipt [para72(5)]
forms & hand over it to the member when he leaves the
service. When a member finds difficult to get the form attested
by the employer, he can get the attestation of any of the
following officer & send to the Provident Fund office
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Manager of a bank.
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By any gazetted officer.
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Member of the Central Board of Trustees./ committee/
Regional Committee (Employees'
Provident Fund Organization).
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Magistrate/ Post/ Sub Post Master/ President of
Village Panchayat/ Notary Public.
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20) What is the mode of payment
of Provident Fund and Employees' Deposit Linked Insurance
dues?
Provident Fund & Employees' Deposit Linked Insurance
dues is paid by money order/ by deposit in payees' bank a/c/
through employer/ by depositing the cheque in payees' name
or part of amount in annuity scheme in any nationalised bank.
Payment by money order is allowed where the amount is not
more than Rs. 2000/-. |
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21) What are the modalities
to be followed for payment through cheque?
The member has to open an account in the nationalised
bank, scheduled bank, urban bank or post office savings bank.
He has to furnish the details of bank a/c no. with the full
address of the bank in application form. An advance stamped
receipt has also to be annexed in the form.
For receipt of pension member/claimant has to open an account
only in State Bank of India or Punjab National Bank.
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22) In case of returning of
cheque what is the procedure to be followed?
Generally the cheques are returned by the bankers
when the a/c number is furnished incorrect or a/c has been
closed. On receipt of the cheque from the bankers the Provident
Fund office will write to the member & employer about
the fact & request them to intimate the bank, a/c number
& detailed address. In case, the member comes to know
about returning of the cheque before this, he can write to
the Provident Fund office through his former employer regarding
his present address & bank a/c number. |
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23) What is the time taken
for disposal of the application in the Provident Fund office?
The claims received complete in all respects are
disposed off within a maximum period of 30 days from the date
of receipt of claims in the office. In case the member is
not hearing anything about his application within 30 days,
he can approach the Public Relation Officer. |
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24) What is the voluntary
rate of Provident Fund contribution by the member?
As per the Act, the member has to contribute at the rate of
10% or 12% of his basic pay, D.A. & retaining allowance
if any. In case the member wants to contribute more than this,
voluntarily he can do so at any rate he desires. i.e. upto
100% of basic and D.A. But the employer is not bound to contribute
at the enhanced rate. |
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Instructions
for a member while sending application to Employees'
Provident Fund.
Instructions for a member while sending application
to Employees' Provident Fund Organization:
General:
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Use the appropriate form for claiming Provident
Fund Pension, withdrawal benefit/scheme certificate, Employees'
Deposit Linked Insurance benefit, etc. as given below
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Form-19 : To claim final settlement of Provident
Fund by a member.
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Form-20 : To claim Provident Fund by nominee/legal
heir on death of the member.
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Form-10-D : To claim pension. (In duplicate
: If within state, In triplicate : If outside state.)
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Form-10-C : To claim withdrawal benefit/scheme
certificate under Employees' Pension Scheme '95.
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Form-5IF : To claim assurance benefit under
Employees' Deposit Linked Insurance '76 by nominee/legal
heir of a member.
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Form-31 : To claim temporary withdrawal/advance
under Employees' Provident Fund scheme
'52.
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Form-13 : To effect transfer of Provident
Fund/Pension from one A/C to another.
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Ensure that all columns of the application are
filled completely.
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Information in the application form relating to
name, a/c no. should agree with the details
available with Employees' Provident Fund Organization;
which were furnished by the employer at the time of enrolling
to Provident Fund.
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Application should be signed by the member/claimant.
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It should be attested by the former employer. In
case attestation by the former employer is not possible,
it should be got attested by any other authorized official
specified with application form.
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Application for final settlement can be sent by
a member on completion of 2 months from the date of leaving
service, if the reason for leaving service is other than
superannuation, medical ground, retrenchment and V.R.S./
Female members getting married etc.
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Desired mode of payment can be given legibly, if
the amount involved is more than Rs. 2000/-. The amount
will sent by deposit in payees' bank a/c. To facilitate
this, Bank a/c no., name and address of the bank should
be furnished. An advance stamped receipt should also accompany
this application.
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Application may be supported by the return Form-10,
showing the details of leaving service and details of
contribution for the year in Form-3A, if not sent earlier
by the employer.
Specific additional requirements:
A) Death cases:
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Nominee/legal heir should apply in Form-20 /Form-10-D
/Form-5IF.
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If the member has not executed any nomination,
application should be supported by certificate of family
members issued by employer/revenue official/sworn in
an affidavit by the family/ member/legal certificate
from a court of law.
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Death certificate of the member.
Certificate of the employer stating whether the
death was while in service of the member or not.
B) Pension cases:
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Joint photograph
of member/spouse or the claimant should accompany the
application.
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Option for return
of capital/commutation should be specified clearly.
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Details of non-contributory
period during the service, wages/salary for last 12
months should also accompany, if not already sent.
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Details of the
branch of the specified bank may be given legibly.
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Date of birth certificates
of children
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In case of death
away from service, an undertaking by the claimant to
the effect that the member was not working / had not
worked in any other covered establishment after exit
from the establishment on the basis of which pension
is being claimed.
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