EPF Form 10D:

If you’re approaching retirement and looking to withdraw your pension, or if you’re considering an early pension, it’s essential to understand the process and requirements for submitting EPF Form 10D. This form is your gateway to claiming your pension benefits under the Employees’ Pension Scheme (EPS). Below, we’ll guide you through the process of applying for your EPF pension, including instructions on how to download, fill out, and submit Form 10D, either offline or online.

Eligibility for EPF Pension

All members of the Employees’ Provident Fund Organisation (EPFO) are automatically enrolled in the EPS. Under this scheme, you become eligible to receive a pension upon reaching the age of 58. Alternatively, you may opt for a reduced pension starting at the age of 50, with a 4% reduction for each year below 58. The pension amount you receive will depend on your pensionable salary and total years of service.

Purpose of EPF Form 10D

EPF Form 10D is specifically designed for employees or their nominees to claim the pension benefits after retirement. Whether you seek a full pension upon reaching 58 years of age or a reduced pension after turning 50, this form is your necessary step to initiate the process.

Where to Submit EPF Form 10D

The form must be submitted to the EPFO through your last place of employment. Currently, the form is available for offline submission only.

Who Should Fill Out EPF Form 10D?

The form is to be completed by:

• The employee (for pension claims after retirement)
• The widow/widower (in the event of the employee’s death)
• The nominee or guardian (if applicable)
• Dependent parents (if the member dies without a spouse, children, or nominee)

Details Required in EPF Form 10D

When filling out the form, the following information is required:

1. Claimant’s Details:

   • Name, date of birth, and marital status
   • Relation to the member (if applicable)
   • Contact information, including a mobile number for status updates

2. Type of Pension:

   • Superannuation Pension: Full pension at the age of 58
   • Reduced Pension: Available from age 50 at a 4% discount per year
   • Disablement Pension: For those who suffer permanent and total disablement
   • Widow/Widower & Children Pension: After the death of the member
   • Orphan Pension: For surviving children up to 25 years old
   • Nominee Pension: For the designated nominee if there are no family members
   • Dependent Parent Pension: If the member dies without a family or nominee

3. Member Details:

   • Name, gender, marital status
   • Father’s or husband’s name
   • EPF account details, including the establishment code and member account number

4. Employment Information:

   • Name and address of the last establishment where the member was employed
   • Date and reason for leaving the service

5. Pension Details:

   • Bank account details for pension disbursal
   • Nominee details for the return of capital
   • Option for commutation of 1/3 of the pension amount

6. Family Details:

   • Details of family members, including their relationship with the member

7. Additional Information (if applicable):

   • Details of any Scheme Certificates held
   • Previous pension claims under EPS 1995

Employer’s Role in EPF Form 10D

The employer is responsible for certifying the details provided by the applicant. The employer must also fill out additional information, including:

• Wage particulars and pension contributions for the 12 months preceding the date of leaving service
• Details of any non-contributory service periods
• Descriptive roll of the pensioner, including a specimen signature or thumb impression

Once completed, the employer forwards the form to the EPFO regional office for processing.

Documents Required with EPF Form 10D

• Descriptive roll of the pensioner with a specimen signature/thumb impression (in duplicate)
• Three passport-sized photographs
• For claims due to disablement, a complete medical examination report from the EPFO-appointed Medical Board
• Wage and service details at the time of retirement or death
• If the establishment is closed, the application must be certified by a magistrate, gazetted officer, bank manager, or another authorized official.

Submission and Processing

Once all required details are filled in and verified by the employer, the form, along with the necessary documents, is submitted to the EPFO. Upon verification, the EPFO initiates the pension disbursal process, with the monthly pension credited to the beneficiary’s bank account under the Employees’ Pension Scheme.

Final Thoughts

Accurately completing and submitting EPF Form 10D is crucial for ensuring that you or your beneficiaries receive the pension benefits you are entitled to. By following the guidelines above and ensuring that all necessary details and documents are provided, you can streamline the process and avoid unnecessary delays.