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If you are a salaried person and contribute to the Employees' Provident Fund Organization (EPFO), then you must know about the scheme certificate. This certificate is very useful for employees in many ways.

If you are a salaried person and contribute to the Employees' Provident Fund Organization (EPFO), then you must know about the scheme certificate. This certificate is very useful for employees in many ways. As we all know the contribution made by the employee and the employer in EPFO ​​is divided into two parts. One goes to EPF which you get in a lump sum and some part goes to your pension fund. If the employee has completed 10 years of service and has contributed to EPF for 10 years or more, then he becomes eligible to get a pension from EPFO ​​after the age of 58 years.

But after working for 10 years, if a person does not make further contributions to EPFO, but at the age of retirement he wants a pension instead of his previous contribution, then how will he claim the pension? At that time the scheme certificate comes in handy. Know the special things related to it here.

Know what is the work of scheme certificate

Scheme certificate is issued by EPFO. It contains the details of the EPFO ​​member and his family. This certificate is proof of the EPFO ​​member being a member of the pension scheme. Suppose an EPFO ​​member changes his job, but in the new job his company does not come under the purview of EPFO, then in such a case the EPFO ​​member should take the scheme certificate. Later, if that person changes his job again and joins a company where his contribution to EPFO ​​is resumed, then he can get his membership added to the new account through the scheme certificate. For this, he has to apply through the employer. By doing this, a new contribution starts in his previous contribution and the gap in between is covered.

For example, if you worked somewhere for 5 years and contributed to EPFO. After this, you worked for two years in a company where there was no PF contribution. Then by switching jobs, the employee joined a company from where his contribution to EPFO ​​​​started again. So in such a situation, he can start contribution in the old account through the scheme certificate. His previous contribution does not go waste and after 10 years, he becomes eligible to get pension.

This certificate is also very useful for these people

This certificate is also useful for those people whose EPFO ​​membership has been 10 years, but now they have completely left the job. But their age is less than 50 years. Since the minimum age to get pension is 50 years. In such a situation, they can take the scheme certificate and claim for pension at the age of 50 to 58 years. Let us tell you that pension is available at a reduced rate from 50 to 58 years of age and full pension is available after 58 years.

How to get scheme certificate

To get the scheme certificate, you need to fill Form 10C. You can download this form from the EPFO ​​​​website and after filling it, submit it to the nearest EPFO ​​​​Office. Along with this, you have to give some documents like date of birth certificate, cancelled cheque, names and details of the employee's children. In case of death of the employee, death certificate, if the successor is submitting the form then succession certificate and stamp stamp of one rupee value etc. may also have to be submitted.

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