Many of us are unaware that EPF Withdrawal or Advance for Medical Expenses is very much possible. Earlier the rules are bit strict. Now the rules are eased for all members. Let us see how to use this option.
During this new updates, EPFO not changed all the rules. But removed only a few clauses to it. I will try to explain everything as per the new rules.
Do remember that this EPF Withdrawal or Advance for Medical Expenses is a non-refundable advance. You no need to repay it back. Also, there will not be any interest EPFO will charge on such advance.
# You can avail this facility for compensating the medical expenses of your own and your family members.
# The meaning of the family for this purpose is-Spouse, son, daughter, dependent father, mother.
# You can avail EPF Withdrawal or Advance for Medical Expenses if you or your family members are hospitalized for more than a month.
# You can avail this EPF Withdrawal or Advance for Medical Expenses if you need money for the purpose of major surgical operation in a hospital.
# If you are suffering from T.B., leprosy, paralysis, cancer, mental derangement or heart ailment and having been granted leave by his employer for the treatment of the said illness, then you can avail the partial withdrawal or advance.
# There is no minimum service requirement. Hence, you can avail this facility as and when there is such need.
# The maximum amount you can withdraw is LESSER of-6 times of your salary (Basic+DA) OR full employee share.
Earlier, to avail, this facility one has to submit the ESIC certificate or doctor certificate. But from now onward, you are no longer be required to submit any medical certificate or any other certificate or document or any proforma whatsoever to avail advance.
EPFO amended the Paragraph 68-J and removed the sub-paragraphs (2) and (3). These two are the paragraphs which made it mandatory for the submission of ESIC certificate or doctor certificate in case of such withdrawal or advance for medical expenses.
Along with changes to EPF Withdrawal or Advance for Medical, the changes are done for those members who are physically handicapped. Employees who are physically handicapped are now no longer be required to submit any medical certificate or document or any proforma whatsoever to avail advance under paragraph 68-N.
In order to apply for EPF Withdrawal or Advance for Medical Expenses, you have to use the newly launched Composite Claim Forms.
There are two types of forms.
1) EPF Composite Claim Form (Aadhar)
If your UAN has been linked with Aadhar and bank details, this form can be submitted for all types of EPF withdrawals. The attestation of an employer is not required and this form can be submitted to EPFO directly.
2) EPF Composite Claim Form (Non-Aadhar)
If your UAN has not yet been linked with Aadhar and bank details, this form can be submitted for all types of EPF withdrawals. The attestation of an employer is required and the form has to routed through an employer.
Submit the forms as per your requirement and avail this facility. The process is explained in below image.
Notice that if your EPF or UAN account is not linked to Aadhaar, then you have to apply for EPF Withdrawal or Advance for Medical Expenses through an employer. Otherwise, you can directly submit the form to regional EPFO.
Both the forms are the simple and single page, which you can fill it easily.
# Download EPF Composite Claim Form (Non-Aadhaar).
# Download EPF Composite Claim Form (Aadhaar).
Refer the complete details about EPF Composite Claim Forms to my earlier post “EPF Composite Claim Form -Single form to withdraw EPF without employer“.
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View Comments
Sir,
As per the latest amendment, the PF withdrawal for illness doesnt need any doctor's certificate or estimate. I have two queries here:
1. How much amount can be withdrawn at once by this method?
2. Is it required to submit the hospital bills at a later date, if yes, what is the procedure to submit those bills?
Thanks
Pavan
Dear Pavan,
I have already shared these information in the above post.
Sir can I withdraw amount from employer share as well or we can only withdraw amount from employee share only ,please reply sir
Dear Naveen,
It is the total balance available.
Dear Sir,
I need pf advance for my wife delivery.
my total pf is 82000 how much i get,i am in service for 40 months till now and what is procedure
Dear Pankaj,
Refer above post properly.
Hello Sir,
Self declaration on medical withdrawal -
1. Do we have to submit any kind of medical proof online/offline to epfo/employer for withdrawal?
2. If not, there are any chances that people can withdraw for some other personal emergency, and give medical grounds of withdrawal?
Dear Avinash,
You have to submit the proof also along with a declaration through your employer.
sir i applied pf advance for illness reason but i want more money but there is no other reason in the pf advance para so i want apply for same illness reason so how many days i want to wait to apply pf advance for illness reason
Dear Chethan,
There is no such waiting period.
Hello sir, I had applied for pf advance for illness which was settled at that time now I need more money for same reason and I again applied for the same and my application is in process I want to know that in current application I am eligible for 6 month wages or the amount which was settled last month will deduct?
Dear Rohan,
They will deduct the last month withdrawal.
One who applied for EPF Advance through online with scanned bank passbook copy, but it is rejected with a reason that 1) REJECT 2) INCOMPLETE BANK DETAILS. There is already the same bank account detailes are added & Employer approved with DSC.
Do you know about this kind of issue and its solution.
Scanned passbook details and Details in EPF records are same.
Dear Valeed,
Hard to predict. Better to raise an issue with EPFO Grievance Cell Online.
Hi,
I have applied for my PF withdrawal for an medical emergency on Nov'6th but still i am yet to get the amount.How more days it will take
Dear Vikram,
Hard to predict.
sir I aply pf advace withdraw 26 day back still showing under process what is problem please explain me sir
Dear Kotte,
It is hard for me to predict.
Sir
How many times we can withdraw from employee share for Illness (Medical Expense) purpose
Dear Valeed,
These are no such restrictions.