Form 5IF — the insurance nobody mentions
The EDLI claim: an insurance payout to the family if the member dies in service. The member never paid a premium for it.
Who files it: The same claimant who is filing Form 20.
Nothing on this page is a sample. Every line is taken from a real government order, and under each one sits the document, the clause inside it, and the date we read it. Open one and check us.
The situations it covers
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Death while in service
This is the situation the assurance covers.
Source — EDLI assurance amount and eligibility
It provides families with a lumpsum payout in case of the EPF subscriber's death during the period of service
Livemint, EPFO's insurance scheme explained: how EPF members can file EDLI claims · Read the rule · We read this on 2026-08-18.
Named reporting or commentary
What you need
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Death certificateAlways
The same certificate that went with Form 20 serves here.
Source — what documents are needed to make claim
Death certificate of member (PDF, max 2MB)
Livemint, EPFO: want to claim provident fund after an EPF member's death? Stepwise guide for families · Read the rule · We read this on 2026-08-18.
Named reporting or commentary
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Aadhaar cardAlways
The claimant's, matching the name and date of birth in the e-Nomination.
Source — what documents are needed to make claim
Beneficiary's Aadhaar, name, and date of birth (as declared in e-Nomination)
Livemint, EPFO: want to claim provident fund after an EPF member's death? Stepwise guide for families · Read the rule · We read this on 2026-08-18.
Named reporting or commentary
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The claimant's bank accountAlways
The assurance is credited here. It is separate money from the Form 20 payout.
Source — what documents are needed to make claim
Bank proof of beneficiary, cancelled cheque or passbook (PDF, max 2MB)
Livemint, EPFO: want to claim provident fund after an EPF member's death? Stepwise guide for families · Read the rule · We read this on 2026-08-18.
Named reporting or commentary
What you do NOT need
These used to be demanded. They are not any more, and each one names the order that ended it.
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Anything from an insurance company, or a policy number
This is not a policy with an insurer. It is part of the EPF scheme itself, which is why nobody has a number for it.
Source — EDLI assurance amount and eligibility
It provides families with a lumpsum payout in case of the EPF subscriber's death during the period of service
Livemint, EPFO's insurance scheme explained: how EPF members can file EDLI claims · Read the rule · We read this on 2026-08-18.
Named reporting or commentary
And these, only if something in your record turns out to be wrong 11 papers — open to see them
These come from the 13 rules that govern this form. A paper here is needed only if you actually have that particular defect, so there is nothing to collect in advance.
- Bank passbook up to 8 rules can ask for this
- Cancelled cheque up to 5 rules can ask for this
- Death certificate up to 3 rules can ask for this
- Aadhaar card up to 2 rules can ask for this
- Birth certificate up to 2 rules can ask for this
- Marriage certificate up to 2 rules can ask for this
- Bank statement one rule can ask for this
- Legal heir certificate one rule can ask for this
- Class 10 marksheet one rule can ask for this
- Passport one rule can ask for this
- Ration card one rule can ask for this
Worth knowing
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This is the claim families most often leave unmade, not because it is refused but because nobody tells them it exists.
Source — EDLI assurance amount and eligibility
It provides families with a lumpsum payout in case of the EPF subscriber's death during the period of service
Livemint, EPFO's insurance scheme explained: how EPF members can file EDLI claims · Read the rule · We read this on 2026-08-18.
Named reporting or commentary