The Employees Deposit Linked Insurance Scheme (EDLI), launched in 1976 by the Employees’ Provident Fund Organisation (EPFO), continues to serve as a crucial safety net for millions of private-sector employees across India. Designed to provide financial support to the families of salaried workers in the event of their untimely death during service, EDLI operates alongside the Employees’ Provident Fund (EPF) and Employees’ Pension Scheme (EPS). Advertisement

What the scheme offers

Under the EDLI scheme, the registered nominee or legal heir of a deceased employee receives a lump-sum payment. The benefit amount is directly linked to the employee’s last drawn salary and is capped at ₹7 lakh, following the latest enhancement by EPFO effective April 28, 2021.

The scheme ensures coverage for

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