Rules of EPF withdrawal are further simplified by the government. Now EPF subscriber can withdraw funds from EPF account for the medical treatment with self-declaration. The earlier requirement of producing a medical certificate from a doctor is removed from immediate effect. Only new composite claim form and self-declaration is enough for EPF withdrawal in case of medical treatment.
In addition to above requirement of producing a medical certificate by disable in order to purchase equipment to minimize hardship is also abolished. The details of new amendment made under paragraph 68J and 68N are given below.
Also Read – One Member One EPF Account – How to Transfer EPF Account?
EPF withdrawal for medical treatment with self-declaration
EPF withdrawal for medical treatment
Under the paragraph 68 J, EPF subscriber can take nonrefundable advance from EPF account for medical treatment in certain cases including hospitalization lasting for one month or above, or major surgical operation or for the treatment of TB, leprosy, paralysis , cancer, mental imbalance or heart disorder. This provision is applicable for self and family member.
As per old rule, advance for medical treatment was granted only after receipt of medical certificate mentioning that member or dependent is hospitalized or require hospitalization for one month or above. Additional certificate from employer stating that subscriber is not eligible/covered under Employee state insurance was also required. The detail was required as certificate C.
All requirement mentioned above is removed. Only self-declaration is sufficient.
Also Read – New Single Composite Claim Form – EPF Withdrawal Simplified
EPF withdrawal for purchasing equipment by disable
Under the paragraph 68 N, disable EPF subscriber can withdraw money in order to purchase equipment for minimizing hardship. However, Certificate F from competent medical practitioner was a mandatory requirement in order to avail this benefit.
The requirement of Certificate F submission is also removed from immediate effect.
The maximum amount granted for above purpose should not exceed six month’s basic wages and dearness allowance or subscriber own contribution with interest thereon.
How to withdraw EPF by using composite claim form?
The process of claiming EPF advance by using composite claim form is very easy. You can use Aadhaar based composite claim form in case your Aadhaar number and bank account details are available on UAN portal and has been activated. In case your Aadhaar number details are not updated or you don’t have UAN activated account you can use composite claim form Non- Aadhaar. Only claim form is required no other document is required for such advances.
Download Composite Claim Form – Aadhaar
Download Composite Claim Form – Non Aadhaar
Suresh
Hi Raviraj
Thanks for the information, can you please help me out if my total PF amount in passbook is 55,000 Rs, Till how much i can withdraw for my medical treatment, can i withdraw 50000rs ????
Raviraj Parekh
Hi Suresh,
Maximum money withdrawal for medical treatment is 6 times of monthly salary or total corpus (whichever is lower).
Dilip
Hi Raviraj,
6 times of basic or CTC ??????
Raviraj Parekh
Dear Dilip,
It is six months basic+DA it is not CTC.
AMIT
Hi Team,
I have recently applied withdrawl last week under physical handicaped equipment. 68N CLAUSE.
what are the clause included and let me when money will be disbursed. 4 years of pf member myself.
everything details is correct and showing as under process from last week in UAN portal.
Raviraj Parekh
Dear Amit,
It usually takes 2-3 week time for the processing of withdrawal request. Online request processing is faster compared to manual offline filing.
AMIT
Hi Ravi,
Thanks for the response.
Please suggest can i withdraw under 68N approval-physical handicaped equipment.
As recently they rejected my previous claim under sicknesss mdeical due to wages cluase of 21000 below stating me as a esic member.. i work for a private firmand not sure about esci member.
Dont knw how they do this. please let me know if they can ask anything for 68N clause which is now submitted on uAN PORTAL.
AS PER MY KNOWLEDGE THERE IS NOTHING WE NEED TO SUBMIT FROM HOPSITAL.
Please adivse for
Raviraj Parekh
Dear Amit,
You are correct paragraph 68-N has been substituted wherein a member who is physically handicapped would be required to submit only a self-declaration which has already been included in the Composite Claim Form. A member would no longer be required to submit any medical certificate or document or any proforma whatsoever to avail advance under paragraph 68-N.
Need to check further about ESIC Rules
Anuj Singh
Hi Raviraj,
I got amount approved for EPF ,so i have two questions?
1. Do they need any medical certificate later (if not now) ?
2. And is there any background check for my claim verification or penalty,in case of EPF claim is more amount then needed.
Regards
Anuj K Singh
Raviraj Parekh
Dear Anuj,
Medical certificate is not required for getting EPF advance for Medical Treatment.So far No information available for background check and applicable penalty.
Suri
Hi Ravi, I would like to make withdrawal from my PF account. I am employed since 2010 ( Full Time / Permanent ) and currently have about 2Lakhs in Employee share. My reason for withdrawal is Medical purpose for myself and spouse, here are my questions:
1.How much can i withdraw?
2.My basic wage is 40K monthly – since i am private employee i dont have any DA
3.How much time does it take for direct bank transfer ( I have all the KYC done )
4. What documents/medical certificates do i need to publish
Also, I am withdrawing for medical purpose for current expenses as well as future one’s – I hope this will not create any issue and government will not ask me later where I spent the amount.
Raviraj Parekh
Dear Mr.Suri,
Answer of your queries are given below.
1.You can withdraw 6 times of your monthly salary or total corpus (whichever is lower)
2.This will take 2-3 weeks for approval and transfer of money.
3.No medical certificate required for withdrawal.
Government may not ask raise query. This is as per current law and information available.
AVS
Hi,
I have a question, How many times an employee can withdraw PF for medical purposes. Is there a withdrawal restriction or can I submit a claim today and then another after one year for same purpose.
Thanks
Raviraj Parekh
Dear Sir,
It is allowed any number of times. There is no restriction for withdrawal for medical treatment.
prakash mishra
I applied for PF withdrawal online amounting to 90% of my total money in the PF account, however in the online site it has option only for construction of house and not for purchase of house. SO in turn i got 50% of the 90% of ttal money i applied for.
Now Im short of money and need to pay the downpayment.
Can i apply again…with the construction of house option.. or do i have to do it manually.
Raviraj Parekh
Dear Prakash,
Once you have applied for maximum withdrawal limit of 90% you will not able to apply for additional amount.
kiran
Hi, I am working in an organisation from last 6.6 years. I need to claim pf for Medical treatment. Is there any documents to be submitted. Pls suggest me.
Raviraj Parekh
Dear Kiran,
You can file claim using composite claim form.No medical certificate required for withdrawal.
Kishan Kumar
Hi raviraj,
In my case i am resigned employee from my previous organization and i am not able to settle my EPF contrubution as they are not submit full payment. i apply a grevience and they starting submit money but now i have apply for advanced withdrwal So what will happened in my case. that they are not show me in ESIC creteria because i am resign employee.
Raviraj Parekh
Dear Kishankumar,
You need to go for final settlement and not for advance withdrawal.You are requested to contact EPF office for Full and Final Settlement.
Pradeep J
If we want to withdraw 1L before completion of 5 years for medical treatment, will it be taxable? They will provide only 90k?
Raviraj Parekh
Dear Pradeep,
If you withdraw before completion of 5 years, amount shall be taxable for the said financial year.
Amol
Sir,
My father is suffering from cancer last stage.i want to withdraw my pf so that i can use that fund for his further treatment. Can you please advise which part need to befilled in the form?
My total pf is 1.5 lakh Rs.and my basic is 23400 per month.please let me know how much can I withdraw and how long this process takes?
Raviraj Parekh
Hi Amol,
You need to fill Form 31.You can withdraw PF as your family member is suffering from medical problem and require treatment.