In a major update containing some good news for millions of private-sector employees across India, the EPFO reiterated the scheme benefits of the EPS as per the 2025 guidelines. Now, as per the newer provisions, every member of EPFO who has provided continuous service for 10 years is entitled to a lifetime monthly pension from the age of 58.
Key Highlights Of The EPS 2025 Scheme:
1. Eligibility for Life-Time Pension
Any workforce who has performed 10 years of contributory and contributory-type service under the EPFO will automatically become eligible for the Employees’ Pension Scheme. Once the individual attains the age of 58 years, a monthly pension shall be payable to him/her during his/her life.
2. Minimum and Maximum Amount of Pension
Earlier, the EPS provided the minimum pension of ₹1,000 per month. Several judgements and discussions, however, have suggested that there should be a hike in pension amount to ₹7,500. The final notification on this matter is expected to come soon, but the very suggestion has already brought in much optimism for the pensioners.
3. The Beneficiary
The EPS provides pension and covers employees who earn within ₹15,000 per month (the pensionable wage ceiling) and have been enrolled within the EPF scheme. The employers must contribute an amount equal to 8.33% of the pay of the employee (within the ceiling) toward the EPS.
4. Early Pension
An option early pension allows pensioners to avail pension early from 50 years of age with a proportionate reduction. However, if they avail pension on attaining 58 years, they are given full amount of pension entitled to them.
5. Widow/Widower and Family Pension
Upon the death of a member, the spouse and children should be entitled to family pension benefits. The widow/widower will be paid pension for life or for until remarriage, while the children will be supported until they reach 25.
How To Claim Your Pension
- Visit the [EPFO Unified Portal](https://unifiedportal-mem.epfindia.gov.in/memberinterface/)
- Select claims form, 10D for pension.
- Make sure your Aadhaar, bank account, and KYC details are all up to date.
- File your claim online for pension and keep track of the status through the portal.
Final Thoughts
EPFO Pension Scheme 2025 continues to be the main social security net for several million Indian workers. Going forward, changes to increase minimum pension and to ease access will present peace of mind and a decent livelihood in old age. Employees, if eligible, are to verify their status in EPFO and avail themselves of the scheme in their full capacity.
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