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Just think… You kept getting PF deducted from your salary every month for years. You were sure that this money would be useful for your retirement or would be the security for your family. But what if this money gets stuck due to a small negligence?

This negligence is not making a new nomination after marriage. Yes, the rules of EPF and EPS clearly state that the previous nomination gets automatically cancelled as soon as you get married. That is, if you do not choose a new nominee, then the money from your fund will not reach the person you intended.

Question 1: Why does the old nomination become invalid after marriage?

Answer:

According to the rules of EPF Scheme 1952 and EPS 1995, your legal responsibilities change after marriage. Now your “family” is defined differently. Therefore, the nomination done before marriage automatically becomes invalid.

Question 2: What is “family” according to EPF-EPS?

Answer:

For male member-
Wife, children (married or not), dependent parents, and wife and children of deceased son.

For female member-
Husband, children, dependent parents, mother-in-law and father-in-law, wife and children of deceased son.

That is, only these people can be included in the nomination after marriage.

Question 3: What if nomination is not made after marriage and the member dies?

Answer:
If the member is married and the nomination is not updated, then the money will be equally distributed among the eligible members of the family.

If the member is unmarried, then the money will go to the dependent parents.

Question 4: Will the “non-family” nominee chosen before marriage remain valid?

Answer:
No. After marriage, the nomination of a non-family person is automatically cancelled. That means if you had nominated a friend or relative, then their right will end after marriage.

Question 5: If the husband and wife get divorced, who will get the money?

Answer:
If there is a divorce and there are no children, then in case of death, the pension or PF money will be given to the dependent parents.

Question 6: How to make a new nomination after marriage?

Answer:
EPFO has made this process easy. Now you will not have to visit the office.

Login to EPFO's unified member e-sewa portal.

Go to the 'Manage' tab and click on 'e-Nomination'.

Add family details and select the nominee.

Verify the OTP and submit the nomination.

Question 7: If there is no nomination, how will the claim be made?

Answer:
In this situation, the money will be distributed among the family members as per the departmental procedure. But this may take more time, and the claim process also becomes complicated.

Conclusion
It is clearly written in the rules of EPFO ​​that after marriage, your old nomination will not be valid. If you do not update it, then your family may face big trouble. Therefore, it is better that as soon as you get married, log in to the EPFO ​​​​portal and immediately make a new nomination.

Remember - PF and pension are not just accounts of money, but a guarantee of security of your family. A little negligence can put your own people in trouble.

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