EPFO has introduced certain dos and don’ts to Minimise the PF Claims Rejection. To ensure a smoother experience for all employees, we are sharing important points to help employee and employers.
ADVISORY NOTE
(For Employees/HR Officials of Establishments)
Please keep a checklist of following main reasons of claim rejection while filling /applying /submitting/ authorizing the claim forms so as to ensure no/minimal rejections, at least because of these reasons.
REASONS OF REJECTION (HIGH REJECTION RATIO) - IN CLAIM FORMS IN NORMAL CASES
- Member already taken the benefit (Claim already settled) but still filed the claim form for the same benefit- Form-13 (Annexure-K) / Form 19 / Form 10-C cases
- Member not eligible for the benefit but still filed the claim form for that benefit-
- Form 10-C – Eligible service is less than 6 months / more than 9 years and 6 months
- Form 10-D – Eligible service is less than 9 years and 6 months /Member Age is less than 50 years.
- Form 19 – Date of Exit not shown/Absence of cooling period of 2 months after date of exit/ PF Balance showing zero.
- Form 13 – Form 19/Form 13 already settled for that service period.
- Form 31 – Date of Exit shown/ Insufficient Service for selected advance or Insufficient Balance in member PF Account under employee and/or employer head/Already availed the selected advance for permissible times.
- Form 20/Form 5 IF/ Form 10-D (Death case) - Date of exit not shown/ reason of exit is not shown as “death”/ date of exit in system and date of death differs/ Non availability/ submission of on-roll death certificate.
- Bank Account related problems- Passbook without proper printing of Account number/without sign & stamp of bank official/Bank details without IFSC Code/Branch name not mentioned/Cheque without printed name of account holder/Joint Account (only valid with spouse)/ Bank Account number linked with more than one UAN/ illegible copy of Bank passbook/Cheque uploaded in online claims.
GENERAL REASONS OF CLAIM REJECTION
- KYC mismatch – Member name, Father Name, Surname, Date of birth differ (For pension in Form 10-C and Form 10-D)
- Non submission of Form 15G/15H/PAN
- Service Overlapping
- Date of joining and/or Date of leaving differ, Non-contributory period (NCP) is not given.
- Claim is applied for more duration than actual contribution received / actual contribution received for the period after date of exit.
- Member re-joining on same PF Account Number rather than allotment of new PF Account Number.
REASONS OF REJECTION OF CLAIM FORMS (IN DEATH CASES)
- Not eligible for the benefit but still filed the claim form for that benefit- Form 20/Form 5 IF/ Form 10-D (Death case) –
Date of exit not shown/ reason of exit is not shown as “death”/ date of exit in system and date of death differs/ Non availability or non-submission of in service (on-roll) death certificate.
Form-10D/ Death claim:
- Date of birth certificate for settlement of Pension under claim form 10-D.
- Family age proof – Birth certificate or any other age proof for 10-D.
- Date of birth differs (For pension in form 10-D).
- Details of non-contributory period during the service.
Form 20/ Death claim:
- No signature by authorized signatory of the establishment /Signature differs.
- Nominee/ legal heir should apply in form-20/Form 10D/Form 5IF only.
- Death certificate of the member.
- Certificate of the employer stating whether the death was while in service of the member or not.
From 5-IF/ EDLI:
- Copy of Muster Roll for settlement of Insurance claim.
- No signature of establishment, Signature differs.
- Ensure that member died while in service/on-roll death certificate.