Family Pension Calculator & Survivor Benefits Planner
Clear, compassionate guidance for spouses, widows, children, and dependent family members. Calculate guaranteed monthly EPS widow pension, children benefits, EPF corpus transfer, and EDLI ₹7.0 Lakh life insurance.
Want to estimate your own retirement pension?
If you are active in service and planning your own retirement cash flow at age 58, use our dedicated EPF Pension Planning Center to optimize your EPS formula and VPF savings.
Member & Family Details Simulator
Provide basic service and family information to calculate guaranteed monthly family pension, minor children benefits, and immediate lump-sum payouts.
The immediate lump-sum claims of ₹21,50,000 (EDLI + EPF + PPF + Gratuity) can be deployed into safe government schemes like SCSS & POMIS to generate an extra ₹14,333/mo alongside your monthly EPS family pension.
Family Financial Security Summary Dashboard
Consolidated view of monthly pension and immediate tax-free lump-sum claims guaranteed by EPFO and Government of India.
Interactive Survivor Claim Roadmap
Follow this step-by-step timeline to claim EPS family pension, EPF corpus, EDLI insurance, and bank accounts smoothly.
Obtain official Death Certificate from municipal authority. Keep Aadhaar, PAN, and cancelled bank cheque of spouse ready.
Submit Form 10D (Monthly Family Pension) and Form 20 (EPF Corpus Withdrawal) on the EPFO Member Portal or HR desk.
Submit Form 5IF to claim up to ₹7.0 Lakhs EDLI life insurance payout deposited directly to widow's bank account.
Submit Form G for PPF payout, update bank nominations, and execute Will / legal succession documents.
Protecting the Financial Independence of Widows & Spouses
Empowering women with legal knowledge, property inheritance rights, e-nomination awareness, and zero-risk government investment strategies to build lifelong self-reliance.
Ensure your spouse's UAN has active e-Nomination filed with Aadhaar. This eliminates the need for expensive legal heir certificates.
Under the Hindu Succession Act, a widow is a Class-I legal heir entitled to an equal share in self-acquired and ancestral properties.
Maintain 6 to 12 months of household expenses in a joint high-yield savings account or liquid FD ladder for immediate access.
Survivor Benefits Explainer (Plain English)
Understanding government-backed payouts guaranteed to surviving Indian families.
Lifelong monthly payout to spouse equal to 50% to 100% of member pension (min ₹1,000/mo), plus 25% per minor child.
Automatic life insurance cover paid to nominee upon death in service without any fee deduction.
100% of employee + employer EPF accumulation with 8.25% interest paid tax-free via Form 20.
Entire accumulated PPF balance paid tax-free to registered nominee upon filing Form G.
Tax-free lump sum up to ₹20 Lakhs paid by employer based on total completed service years.
Full cash payment for earned leave balance credited by employer immediately to legal heirs.
Frequently Asked Questions (FAQs)
Answers to common queries regarding widow family pension, orphan benefits, EDLI insurance claims, and nomination guidelines.