EDLI: The Free ₹7 Lakh Life Cover Hidden in Your EPF

Every active EPF member gets free life cover up to ₹7 lakh under EDLI — you pay nothing.

The benefit is roughly 35 times your capped monthly wage plus a bonus, with a ₹2.5 lakh minimum.

The ₹15,000 wage cap means even high earners are limited to about ₹7 lakh, so it is a top-up, not a full plan.

File an EPF e-nomination now; without a named nominee, the payout gets stuck in legal-heir paperwork.

Nominees claim using Form 5(IF) along with the EPF and pension withdrawal forms.