Stories
Changed jobs and withdrew PF? Check this record or face pension loss
- •Even after withdrawing PF upon changing jobs, carrying forward your old pension service record is crucial.
- •EPF builds a retirement fund, while EPS tracks eligible pension service duration for future eligibility.
- •Withdrawing PF does not end your EPS service duration, but it must be linked to your current job record.
- •A minimum of 10 years of total eligible service is required for a monthly pension under EPS.
- •Form 13 can be used to link your old PF and pension service records with your current UAN account.
Key Questions Answered
Withdrawing your PF from a previous job does not end your Employee Pension Scheme (EPS) service duration for that employment. When changing jobs, it is essential to carry forward and link your old pension service record with your current job. Ignoring this step can negatively impact your future pension eligibility calculations and total eligible service duration.
Generally, a minimum of 10 years of eligible service is required to qualify for a monthly pension under the Employees' Pension Scheme (EPS). If you have worked across multiple companies, accurately recording and linking the pensionable service from each job ensures your total service duration is properly calculated. Without linking, your total eligible service may appear shorter than it actually is.
If you realize your old pension service has not been carried forward, you can use Form 13 to link your old PF and pension service records to your current account. This process links your old Member ID with your current UAN to carry forward your service history. Form 13 collects personal information, details of old and current accounts, and dates of joining and leaving employment.
