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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

1. 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
2. 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.

3. 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

1. KYC mismatch – Member name, Father Name, Surname, Date of birth differ (For pension in Form 10-C and Form 10-D)
2. Non submission of Form 15G/15H/PAN
3. Service Overlapping
4. Date of joining and/or Date of leaving differ, Non-contributory period (NCP) is not given.
5. Claim is applied for more duration than actual contribution received / actual contribution received for the period after date of exit.
6. 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)

1. 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:

1. Date of birth certificate for settlement of Pension under claim form 10-D.
2. Family age proof – Birth certificate or any other age proof for 10-D.
3. Date of birth differs (For pension in form 10-D).
4. Details of non-contributory period during the service.

Form 20/ Death claim:

1. No signature by authorized signatory of the establishment /Signature differs.
2. Nominee/ legal heir should apply in form-20/Form 10D/Form 5IF only.
3. Death certificate of the member.
4. Certificate of the employer stating whether the death was while in service of the member or not.

From 5-IF/ EDLI:

1. Copy of Muster Roll for settlement of Insurance claim.
2. No signature of establishment, Signature differs.
3. Ensure that member died while in service/on-roll death certificate.