Overview of Employees' Pension Scheme (EPS-95)
- Financed from the employer's contribution to the provident fund, where 8.33% of the employee's basic pay plus dearness allowance is diverted into the pension fund.
- The Central Government contributes an additional 1.16% towards the pension fund up to the statutory wage ceiling.
- Provides statutory monthly pension payouts to members upon reaching the superannuation age of 58 years.
Eligibility criteria and types of pensions
- Member pension: Requires a minimum of 10 years of eligible contributory service and superannuation at age 58 (early pension option available from age 50).
- Disability pension: Granted to members who suffer permanent and total disablement during active employment, irrespective of service length.
- Family pensions: Provides lifelong monthly pension to the surviving spouse (widow/widower pension) and children/orphans up to age 25 upon member demise.
Digital services and Digital Life Certificate (Jeevan Pramaan)
- Pensioners can view their Pension Payment Order (PPO) and payment passbook online via the EPFO Member Portal and UMANG mobile app.
- Annual submission of the Digital Life Certificate (Jeevan Pramaan) can be completed digitally from home using facial recognition on smartphones or biometrics at CSCs.
- Enables prompt Direct Benefit Transfer (DBT) directly into the pensioner's verified bank account without paperwork.
Official source
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Employees' Provident Fund Organisation (Govt of India) ↗Related on KisanPe
Common questions
What is the minimum service period required for an EPFO member pension?
A minimum of 10 years of eligible contributory service is required to receive a monthly member pension under EPS-95.
What is the superannuation age for receiving an EPFO pension?
The regular superannuation age is 58 years, with early pension options accessible from 50 years of age with a reduction factor.
How can pensioners submit their annual life certificate?
Pensioners can submit their Digital Life Certificate (Jeevan Pramaan) via face authentication on the UMANG app, bank branches, or CSCs.
Does EPS-95 provide pension benefits to families?
Yes, the scheme provides widow/widower pension and orphan pensions to dependents in the event of an eligible employee's death.
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