Are you working in a private company? Then you might already be contributing to the Employees’ Provident Fund, or EPF. This fund not only helps you save for your future but also makes you eligible for a monthly pension after retirement. But here’s the catch – you can only get your pension if you work for at least 10 years in a job where EPF contributions are made. And most importantly, you must have an EPFO Pension Certificate to claim this pension later. Without this certificate, even after completing 10 years of service, you may face trouble in getting your pension.
Let’s break this down in simple words. If you are someone who keeps switching jobs, takes breaks, or moves between companies that may or may not be registered under EPFO, then it becomes even more important for you to understand the value of the EPS Pension Certificate.
What is an EPFO Pension Certificate and Why You Must Get It
An EPFO Pension Certificate or EPS Scheme Certificate is a document that proves you have worked and contributed to EPF for a minimum period of 10 years. If you have this certificate, your pension history is recorded officially. When you reach the age of 58 and are no longer working, this certificate helps you claim a lifelong monthly pension.
Now imagine this. You have worked for 10 years, changed a few jobs, and forgotten to apply for this certificate. When you finally retire and apply for a pension, the EPFO may not have a complete record of your work history. Without a certificate to prove your 10-year contribution, your pension claim may get rejected or delayed. You don’t want that to happen, right?
Changing Jobs? Don’t Forget This Important Step
Every time you switch your job, you make sure to update your salary details and tax information. But many people forget to transfer their EPF account to the new employer. This is a big mistake. Along with the PF transfer, you should also apply for a pension certificate if there is a break or if your new job is not under EPFO coverage.
Let’s say you move to a new company which doesn’t fall under EPFO rules. You will not be able to continue your EPS contribution. But if you apply for a scheme certificate, you will keep your pension service record safe. Then, whenever you join a new job under EPFO again, you can submit this certificate and continue the pension contribution. It’s like keeping your pension journey alive even when you take a break.
When Do You Become Eligible for Pension?
To get pension benefits under the EPFO system, you must complete at least 10 years of service and reach the age of 58. Once you reach this age, you will start receiving monthly pension. But remember, if you leave your job before 10 years, you won’t be eligible for pension unless you preserve your service years with the help of a scheme certificate.
Many people don’t realise this and lose their pension rights simply because they did not apply for the certificate in time. Don’t let that happen to you. Stay aware, and take action before it’s too late.
How to Apply for an EPFO Pension Certificate Online
Thanks to digital technology, you can now apply for your pension certificate online from the comfort of your home. The process is simple and takes just a few steps.
First, visit the official EPFO website – www.epfindia.gov.in. On the home page, you will find the option for online claims and member account transfer. Click on it, and it will take you to the UAN portal.
Log in using your Universal Account Number (UAN) and password. After logging in, go to the ‘Online Services’ section. Click on the option that says ‘CLAIM (FORM 31, 19, 10C & 10D)’. You will be asked to enter personal details like your name, date of birth, Aadhaar number, and bank details.
After filling in the details, click on the option that says ‘Proceed for Online Claim’. Then select ‘SCHEME CERTIFICATE (FORM-10C)’ from the list. This will link your pension account with your future jobs if needed. Enter your address, upload your bank documents like the first page of your passbook or a cheque book, and finally complete the process by entering the Aadhaar OTP you receive on your phone.
Once the OTP is verified, your application will be submitted. After a few days, your certificate will be ready and sent to your registered address or email, depending on what you selected.
Why You Should Not Delay
Thousands of people every year lose their pension benefits simply because they didn’t know about this important rule. Imagine working for 10-15 years and not getting a single rupee in pension after retirement just because you didn’t apply for a scheme certificate. You have earned that money with your hard work. Don’t let it go to waste.
Even if you are young and have just started your job, it’s important to know this information now. Because when the time comes, you’ll be ready. And if you’re already working for many years, and have never checked your EPF history, do it now. Make sure your contributions are in place, your PF is transferred when you change jobs, and your EPS certificate is ready whenever needed.
This small step can secure your future. Don’t miss your chance to live a stress-free retired life. Get your EPFO Pension Certificate today and make sure your hard work pays off in the years to come.
