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    What is EPF Form 10D?

    • 5 min read
    • Last Modified Date: March 23, 2023
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    In the event of a permanent disability, death, or for nominees, the Employees’ Pension Scheme (EPS) offers pensions to employees as a form of financial security. The Family Pension Scheme (FPS) of 1971 was replaced by the EPS, which was created in 1995.

    A person joins the Employees Provident Fund Scheme (EPF) and the Employees’ Pension Scheme (EPS) when they work for a company that is subject to the Employees Provident Funds & Miscellaneous Provision Act, 1952. The EPF 10D form must be filled out in order for the member to receive a monthly pension after retirement.

    What purpose does EPF Form 10D serve?

    The Employees’ Pension Scheme (EPS) is a government-run pension plan created to give workers financial stability and support in the event of their death, permanent disability, or for their designated beneficiaries. Since its establishment in 1995 to replace the Family Pension Scheme (FPS) of 1971, the EPS has paid pensions to qualified workers.

    A person joins an organization that is subject to the Employees Provident Funds & Miscellaneous Provision Act, 1952, and they automatically become members of the Employees’ Pension Scheme (EPS) and the Employees Provident Fund Scheme (EPF). Based on the employee’s length of service and salary earned during their years of employment, the EPS pays eligible employees who have retired a monthly pension.

    Employees need only submit the EPF 10D form to start receiving their pension. The EPS is a vital part of an employee’s long-term financial planning because it offers a steady income stream for retirement and in the event of death or permanent disability. With the aid of this government-run program, workers are given the opportunity to have a stable financial future even after they leave their jobs.

    Guidelines for Filling Out EPF Form 10D

    EPF Form 10D cannot be completed online; it must be manually filled out. The following details need to be entered on the application:

    By Whom the Pension is Claimed:

    The applicant must specify one of the following options:

    • Member
    • Widow/Widower
    • Major/Orphan
    • Guardian
    • Nominee
    • Dependent Parent

    Type of pension claim:

    The following pensions are available to the beneficiary:

    • Superannuation Pension: This is a regular pension you start receiving when you turn 58.
    • Reduced Pension: Starting at the age of 50, this pension is payable on a monthly basis at a reduced rate of 4% annually.
    • Disability Pension: In the event of total and permanent disability, this is an early monthly pension paid.
    • The wife and kids of the deceased employee receive a monthly pension known as the widow and children’s pension.
    • Orphan Pension: Up to the age of 25, this pension is paid each month to the surviving sons or daughters of the deceased employee.
    • Nominee Pension: In the absence of a beneficiary, this is a monthly pension paid to the nominee after the employee’s passing.
    • Monthly Pension for Dependent Parents: This pension is paid if an employee passes away without a surviving family (spouse and children) or a designated beneficiary.

    You must enter the following details in the “Member Details” section:

    1. Name of Member
    2. Gender
    3. Marital Status
    4. Age and Birthdate
    5. Name of father/husband
    6. EPF Account Information
    7. RO
    8. Office
    9. Code of Establishment
    10. Account Number for the Member
    11. Name and address of the company where you were last employed
    12. Address and Name of Prior Employer
    13. Time of Departure (dd/mm/yyyy)
    14. Day of Final Work at Former Organization
    15. Why I Left the Service 
    16. Contact Information
    17. Date of Pension Start (if any)
    18. Optional: Commutation of one-third of the pension
    19. Capital Refund (Optional)
    20. Runner-up for Capital Return
    21. Details of Family
    22. Date of death of Member (if any)
    23. Account information (bank name, branch, address, PIN)
    24. Scheme Certificate, if one was obtained
    25. Issuer RO/SRO information and the PPO number, if any
    26. List of Attached Documents (according to Instructions)

    After verifying the information, the member and employer must sign the form. The employer must then submit the signed form to the EPFO regional office along with all required supporting documentation.

    It should be noted that the EPF form 10D cannot be filled out online and requires considerable time. A table in section 2 must also be completed by the employer.

    The following people are qualified to submit pension claims using EPF Form 10D:

    • Employee
    • Widow or Widower
    • Major or Orphan
    • Guardian
    • Nominee
    • Dependent Parent

    What Documents are Required for EPF Form 10D?

    The required paperwork is listed below:

    • Pensioner role with a sample signature or thumbprint (in duplicate) with the claim form
    • Three passport-sized photos
    • Medical evaluation by the EPFO-appointed Medical Board and pertinent documentation are required in cases of total and permanent disability.
    • When a member retired or passed away from the establishment, their certificate and wage information was provided.
    • If the business is closed and no authorized officer has been appointed, the application must be submitted through a magistrate, bank manager, gazetted officer, or any other officer that the Commissioner has approved. 

    Within 30 days of receiving the application, it will be processed, and the pension will be paid.

    Conclusion

    In conclusion, the EPF Form 10D is an important document for workers who wish to make a pension claim upon retirement or in the event of a death. It is crucial to understand who qualifies for a pension claim and which documents must be included with the application. To prevent any delays in the processing time, the form must be filled out completely and all required documents must be attached. 

    After the application is submitted, the entire process can be finished in 30 days. It is advisable to monitor the form’s progress and take further action as necessary. To help employees secure their financial future after retirement, the EPF Form 10D streamlines the process. 

    EPF Form 10D FAQs

    How can the Form 10D application be transmitted?

    The Form 10D application can be submitted in person or by mail to the EPFO Regional Office. Additionally, some EPFO offices may also allow online submission of the application.

    Can anyone claim through the application Form 10?

    No, only certain eligible individuals such as the employee, widow or widower, major or orphan, guardian, nominee, and dependent parent can claim through the application Form 10D.

    What personal details will I need to provide?

    You will need to provide your name, gender, marital status, date of birth/age, father’s/husband’s name, EPF account details, RO office, establishment code, member’s account number, name and address of the last employed establishment, date of leaving the service, reason for leaving the service, address for communication, family details, date of death (if applicable), details of bank accounts opened, and scheme certificate information.

    What is the option for Commutation of 1/3 of pension?

    Commutation of 1/3 of pension is an option that allows you to receive a lump sum payment of nearly 30% of your pension corpus in one go, instead of receiving a monthly pension for the rest of your life.

    Do I need the employer approval with EPS Pension Form 10D?

    Yes, you will need to have the Form 10D verified and signed by your employer in addition to your own signature before submitting it to the EPFO Regional Office.

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