Wednesday, October 22, 2025
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EPFO: Salient Features of Employees’ Deposit Linked Insurance

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There are several social security programs that have been introduced under the Employees’ Provident Fund Organisation (EPFO). 

Recently, Employees’ Provident Fund Organisation (EPFO) has shared a post on X (formally Twitter) saying, “Employees’ Deposit Linked Insurance (EDLI) Scheme, 1976, is an important social security measure. Here are the main features of EDLI scheme.”

Salient features of the EDLI scheme

The features of features of the EDLI scheme are as follows:

  • Maximum assured benefit up to Rs. 7 lakh paid to the nominee or legal heir of EPF member, if death occurs while in service.
  • Minimum assurance benefit of ₹2.5 lakh, if deceased member was in continuous employment for 12 months prior to his/her death.
  • Minimal contribution by employer @ 0.5% of employees’ monthly wages, up to wage ceiling of ₹15,000.
  • No contribution paid by employee.
  • Auto-enrollment of PF members in EDLI Scheme.
  • Benefit directly credited to the bank account of nominee or legal heir.

Earlier, the Employees’ Provident Fund Organisation (EPFO) introduced a new initiative to facilitate Member Pensioners and nominee/family members (in case of EDLI benefits) to calculate the eligible Pension & EDLI benefits.

The Benefits of EDLI Calculator are as follows:

  • Generates awareness about eligibility for pension.
  • Creates a sense of Social Security by providing a calculation of assurance benefits under the EDLI Scheme.
  • Increase member satisfaction.
  • Decreases the number of grievances.

EDLI benefits are available only to the family members/nominees nominated by the member during his lifetime or to surviving family members in case of the death of the member while he was in employment.

The members are advised to file their e-nomination and update at the same time in case of a change in the family so that in the sad event of his death the benefits are paid to the intended family member/ nominee through an online claim.

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Sheenu Pradhan
Sheenu Pradhanhttps://sightsinplus.com/
Sheenu Pradhan, Editor Content, SightsIn Plus. She has over 8 years of experience in human resources. Prior to this, she has been associated with Wictor Chemicals India, Wipro, and Shakti Plas Industry.