EPFO Removes Legal Hurdle in Death Claims for Minor Beneficiaries

The EPFO has made it easier for minor children to receive death claim settlements after the passing of an EPFO member. In a circular issued on August 13, 2025, the EPFO removed the requirement of a guardianship certificate for minor beneficiaries.

EPFO Removes Requirement for A Guardianship Certificate 

Earlier, if a deceased EPF member had minor children as beneficiaries, the family had to provide a guardianship certificate issued by a court. This process was often slow and complicated, delaying the release of funds.

Now, the EPFO has stated that no separate guardianship certificate is needed if the settlement amount is being directly credited to the minor's bank account. This step is expected to speed up the settlement process and reduce stress for the families of the deceased.

How to Claim EPFO Death Benefits?

If a member of the EPFO passes away, the nominee, family member, or guardian can claim the settlement amount. The required documents include:

• Form 20 (for death claim settlement)
• Death certificate of the EPF member
• Bank details of the minor beneficiary (like a cancelled cheque or passbook copy)

Submission Process

• The completed Form 20 must be submitted through the last employer of the deceased EPF member.
• If the employer is unavailable (for example, if the company has shut down), the form can be submitted after being attested by authorized officials like a Magistrate, Gazetted Officer, Bank Manager, or Postmaster.

How to Track the Status of the Claim Raised?

EPFO sends SMS updates to claimants at each stage of the claim process. Claimants can also check their claim status online by visiting the official EPFO website.

Read more: New EPFO Rule: Employers Can Link Aadhaar to UAN Without Waiting for Approval.

Conclusion

The EPFO’s decision to drop the requirement of a guardianship certificate for minor beneficiaries simplifies the death claim process. This change will help families receive much-needed financial support faster during a difficult time easily.

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