“Step-by-Step Guide to Claim PF for Medical Emergencies”

Claiming PF (Provident Fund) for a medical emergency is a straightforward process under the EPFO (Employees’ Provident Fund Organisation).

Here’s a step-by-step guide:

Eligibility Criteria

You can withdraw PF for medical emergencies such as:

• Treatment of self, spouse, children, or dependent parents.
• Major surgeries or hospitalization for 1 month or more.
• Specific conditions like cancer, heart ailments, etc.

You don’t need to complete a minimum service period or maintain a minimum balance for this withdrawal.

Steps to Claim PF for Medical Emergency

1.Log in to the EPFO Member Portal:

• Visit EPFO Member e-Sewa portal.
• Log in using your UAN (Universal Account Number) and password.

2.Verify Your KYC:

Ensure your Aadhaar, PAN, and bank account details are linked and verified with your UAN. This is mandatory for online withdrawal.

3.Submit a Claim Online:

• Go to the Online Services section and select Claim (Form-31, 19, 10C, and 10D).
• Verify your bank account by entering the last 4 digits.
• Click on Proceed for Online Claim.
• Choose PF Advance (Form-31) as the claim type.
• Select the reason for withdrawal as Illness (Medical Treatment).

4.Upload Supporting Documents (if required):

• Generally, for medical emergencies, no documents are required if you apply online. However, if requested, you may need to upload medical certificates or hospital bills.

5.Enter the Withdrawal Amount:

• Enter the amount required (up to the permissible limit).
• The withdrawal limit is 6 months’ basic salary + DA or the employee’s own contribution, whichever is less.

6.Submit the Request:

• After filling in all details, click on Submit Claim.

Processing Time

• Claims are usually processed within 5-10 working days.
• The amount will be directly credited to your bank account linked to your UAN.

Offline Claim Process (if needed)

1.Download Form-31 from the EPFO website.

2.Fill the form and attach necessary documents (medical certificate, hospital bills, etc.).

3.Submit it to your employer or the regional EPF office.