ESIC Funeral Benefit ₹20,000 — Eligibility, Claim Process aur Documents Guide
- 1Insured person ki death certificate obtain karo
- 2ESIC Form 22 (Funeral Expenses Claim) fill karo
- 3Nearest ESIC Branch Office mein submit karo (with documents)
- 4ESIC officer verification karega — IP registration aur contribution check
- 5Approved hone par ₹20,000 bank account mein credit
- Insured person ka death certificate
- Claimant ka identity proof (Aadhaar/PAN)
- ESIC pehchaan patra (IP card) ya Insurance Number
- Bank account details (claimant ka)
- Relationship proof (agar family member claim kar raha hai)
ESIC Funeral Benefit — Kya Hai, Kise Milti Hai
ESIC (Employees' State Insurance Corporation) ka funeral benefit ab Code on Social Security 2020 framework ke under diya jaata hai (pehle ESI Act 1948 ke under tha — woh 21 November 2025 se repealed hai). Jab ek insured person (IP) ki death hoti hai — chahe kaam par ya kaam se bahar — ek lump sum amount family/nominee ko diya jaata hai taaki funeral expenses cover ho sakein.
Yeh benefit un employees ko milta hai jo ESIC covered hai (generally monthly wages ₹21,000 tak, 10+ employees wali establishments — ab pan-India). Benefit family member ya jo bhi funeral expenses karta hai, woh claim kar sakta hai — sirf legal heir nahi.
Revised amount: ₹20,000 (previously ₹15,000). Yeh revision ESIC ke 7 October 2026 ke notification (Rule 21, Social Security (Central) Rules 2026) se hui - gazette mein 16 October 2026 ko publish, retrospectively 8 May 2026 se effective.
Eligibility Conditions
Funeral benefit claim karne ke liye:
- Deceased insured person hona chahiye — ESIC registration ke saath active contributions
- Death date par IP insured status mein hona chahiye (contribution period relevant hai)
- Claimant woh hona chahiye jisne actual funeral expenses kiye — ya nearest relative
- Claim within 3 months of death file karna hota hai (time limit hai)
Agar death occupational disease ya work injury se hui hai — tab Dependants Benefit bhi separately available hai, jo funeral benefit se alag aur zyada hoti hai.
Claim Kaise Karein — Step-by-Step
Nearest ESIC Branch Office ya ESIC dispensary par jaao — wahan Form 22 available hoga. ESIC online portal par bhi claim file karne ki facility hai kuch regions mein.
- ESIC portal: esic.in mein login karo (employer se IP credentials milte hain)
- Ya: Nearest ESIC Branch Office visit karo physically
- Form 22 complete karo, documents attach karo
- Acknowledgement receipt lena na bhoolo
ESIC Aur Baaki Benefits — Death Par
Death par ESIC ke through kai benefits available hain — funeral benefit unka sirf ek hissa hai:
| Benefit | Amount/Details | Who Gets |
|---|---|---|
| Funeral Benefit | ₹20,000 (revised) | Person who incurred funeral expenses |
| Dependants Benefit | 90% of average wages, monthly pension | Dependants (work-related death) |
| EDLI (EPF) | Min ₹2.5L to max ₹7L | PF nominee |
Dependants Benefit ke liye separate Form 16/17 file karna hoga — ESIC Branch par enquire karo.
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