If you’re an EPFO member, you probably already know that you’ll receive a pension after retirement. But here’s something many members don’t realize—EPFO also provides pension in several other life-changing situations, even when life doesn’t go as planned.
Yes, it’s true! Whether it’s a disability, a family tragedy, or even the loss of a loved one, EPFO has your back. In fact, the Employees’ Pension Scheme (EPS) has been designed not just to support your old age, but also to protect your family’s future in difficult times.
Let’s understand these 7 types of EPFO pensions—because knowing this might one day help your family when they need it most.
1. Retirement Pension – Your Reward After Years of Hard Work
This is the most common pension. If you’ve contributed to EPFO for at least 10 years, you’ll be eligible for a monthly pension after the age of 58.
But here’s a lesser-known tip: If you delay your pension claim till 60, EPFO will increase your pension by 4% every year. It’s a small boost, but it makes a difference in the long run.
2. Early Pension – When You Need to Retire a Bit Sooner
Can’t continue till 58? Life happens. That’s why EPFO allows early pension from the age of 50.
But do note: for every year before 58, your pension amount is reduced by 4%. So, if you were eligible for ₹10,000 at 58, you’d get ₹9,600 at 57 and ₹9,200 at 56.
It’s a trade-off, but the option gives flexibility when health or circumstances demand an early retirement.
3. Disability Pension – A Lifeline in Times of Crisis
If you face a temporary or permanent disability while working, EPFO won’t wait for 10 years of service.
Even with just 2 years of contribution, you’re entitled to a disability pension. Because EPFO understands that your ability may pause—but your life shouldn’t.
4. Widow and Child Pension – Keeping the Family Together After a Loss
If an EPFO subscriber passes away, his wife and up to two children (under 25 years) are eligible for monthly pension.
Even if the member contributed for just one year, this support system ensures that no family is left behind.
Also, if there’s a third child, their pension starts once the first child turns 25. It’s EPFO’s way of stretching protection to every possible corner of your family.
5. Orphan Pension – For Children Who Lose Both Parents
In heartbreaking cases where both the EPFO member and their spouse pass away, EPFO provides an orphan pension to up to two children below 25.
This pension continues till the age of 25, helping the children survive and rebuild without parental support.
6. Nominee Pension – If There’s No Spouse or Child
If an EPFO member dies without a spouse or children, the person named as nominee gets the pension.
If both parents are nominated, the pension is split equally. If only one nominee is listed, that person receives the full amount.
Make sure to update your nominee details—it’s a small step that can protect someone’s future.
7. Dependent Parents Pension – When Parents Are Left Behind
If an unmarried EPFO member dies, their dependent father becomes eligible for pension.
If the father is no longer alive, the mother receives the pension for life. This is processed through Form 10D.
It’s a powerful reminder that even parents are protected under the EPFO system—because every family matters.