After Death, What Pension Does Your Wife Get? Know : The Employees’ Pension Scheme 1995 (EPS-1995) run by the Employees’ Provident Fund Organization (EPFO) is an extremely beneficial scheme for employees. This scheme provides financial assistance to the family after the death of the employee. If the EPFO member dies, this scheme helps to save his family from financial crisis. The family gets many benefits under this scheme. In this article, we are giving you detailed information about it.
After Death, What Pension Does Your Wife Get?
If the pensioner dies, 50% of his pension is provided to his widow / widower. Under EPS-1995, if an employee dies during service, his spouse is given a minimum pension of ₹ 1000 per month.
Additionally, the children of the deceased member get the benefit of child pension till the age of 25 years. However, some conditions apply for this. Let us know about them in detail…
Key Benefits Under EPS-1995 Scheme
If the pensioner dies, 50% of his pension is given to his wife or husband.
If the employee dies during service, his wife/husband gets a pension of at least ₹1000 per month.
Along with this, the children of the deceased also get pension, which is called child pension – it is available to them till the age of 25 years.
How Do Children Receive Pension Under EPS-1995?
Apart from the spouse, only two children are given pension together.
If the number of children is more than two, then as soon as a child turns 25 years old, the next child becomes eligible for pension.
This continues until every eligible child gets the benefit of pension.
How Much Child Pension is Given Under EPS-1995
The pension received by each child is 25% of the widow pension.
Example : If the wife is getting a pension of ₹1000, then each child will get a pension of ₹250.
If a child is completely disabled, he is given a lifetime pension.
How to do EPFO / EPS nomination online?
It is now easy to make nomination on the EPFO portal. Follow the steps given below:
- Go to EPFO website (https://www.epfindia.gov.in/)
- Go to menu → Click on Services > For Employees
- Then click on Member UAN/Online Services
- Login by entering your UAN and password
- Select “Manage” → “E-nomination” in the top menu
- The “Provide Details” tab will open on the screen – select “Yes” here
- Add family members by clicking on “Add Family Details”
- Fill “Nomination Details” to tell who will get how much
- Now click on “Save EPF Nomination”
- Click on E-sign and enter the OTP received on the mobile linked to Aadhaar
- Now your E-nomination will be successfully submitted
- After this no other document will be required.
EPFO/EPS E-Nomination: A Small Step, But a Big Relief for Your Family
It has become very easy to complete the EPFO/EPS e-nomination process online today. If you update the nomination on time, then in case of any unfortunate situation, there will be no hindrance in getting financial help to your family.
So every EPFO member should ensure that his nomination is updated and the family can get the full benefit of the scheme in future. This is a small step which can become a big relief for your family.
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