Your Provident Fund money is important for you in your times of need. Not only during your service period but also after it. It is also a financial security for your family in case of any untoward incident. The Employees' Provident Fund Organisation (EPFO) also allows you to nominate a person even outside your family. But, the status changes soon after you get married.

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An unmarried person has the freedom to nominate anybody for his account even outside his family, if and only if he does not have a family. On getting married i.e. on "acquiring" a family, the nomination outside family stands invalid as per the EPFO Scheme 1952. All benefits of a member's account with the EPFO will be extended to his/her spouse and children, if any. This also includes the Employees' Pension Scheme (EPS)

Rules of EPF-EPS nomination: Who can be the members of a family?

The law allows only family members to be nominated as nominee for any benefits. As per the scheme, for a male, the family could only be your wife and children, dependent parents, wife and children of deceased son, For a female member, it could be husband, children, dependent parents, dependent in-laws  wife and children of deceased son.

Provided that where there is no major person in the family, the member may, at his discretion, appoint any other person to be a guardian of the minor nominee.

If the member has not nominated anybody, then the total amount will be distributed equally among all the family members, on his/her death. If the member is unmarried then the money will be given to dependent parents.

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A nomination or its modification shall take effect to the extent that it is valid on the date on which it is received by the Commissioner.