The Ministry of Labour and Employment, Government of India. On June 29, 2026, the government officially notified the Employees Deposit-Linked Insurance (EDLI) Scheme, 2026 under the Code on Social Security, 2020. This new scheme supersedes the older EDLI Scheme of 1976.

Key Highlights of the EDLI Scheme, 2026

1. Revised Assurance Benefits:

i. Minimum Benefit: The minimum assurance benefit payable to the beneficiaries of a deceased employee has been set at ₹2,500,000 (provided the employee was in continuous employment for 12 months prior to death).

ii. Maximum Benefit: The maximum assurance benefit cap is set at ₹700,000.

iii. Additional Top-up: An additional 20% increase is admissible on certain calculated scales of benefits under specific conditions outlined in the scheme.

2. Contribution and Payment Timeline: Employers must calculate and deposit monthly contributions electronically within 15 days of the close of every month. Contributions cannot be deducted from employees wages.

3. Strict Claim Settlement Windows: The EPFO is mandated to settle complete insurance claims within 20 days of receipt, failing which the Commissioner may face penal interest deductions directly from their salary.

4. Provisions for Exempted Establishments: If your organization operates under an exempted framework or utilizes a private group insurance policy:

i. The policy must be approved by the IRDAI and offer benefits equal to or greater than the statutory scheme.

ii. Exempted establishments must file a comprehensive monthly online return (detailing employee additions, exits, claims, and grievances).

Please refer to the notification for more information.

Under Section Clause (c) of S-S (1) of Sec-15 of SS (36 of 2020) - The Ministry of Labour and Employment, Government of India. On June 29, 2026, the government officially notified the Employees Deposit-Linked Insurance (EDLI) Scheme, 2026 under the Code on Social Security, 2020. This new scheme supersedes the older EDLI Scheme of 1976.

Key Highlights of the EDLI Scheme, 2026

1. Revised Assurance Benefits:

i. Minimum Benefit: The minimum assurance benefit payable to the beneficiaries of a deceased employee has been set at ₹2,500,000 (provided the employee was in continuous employment for 12 months prior to death).

ii. Maximum Benefit: The maximum assurance benefit cap is set at ₹700,000.

iii. Additional Top-up: An additional 20% increase is admissible on certain calculated scales of benefits under specific conditions outlined in the scheme.

2. Contribution and Payment Timeline: Employers must calculate and deposit monthly contributions electronically within 15 days of the close of every month. Contributions cannot be deducted from employees wages.

3. Strict Claim Settlement Windows: The EPFO is mandated to settle complete insurance claims within 20 days of receipt, failing which the Commissioner may face penal interest deductions directly from their salary.

4. Provisions for Exempted Establishments: If your organization operates under an exempted framework or utilizes a private group insurance policy:

i. The policy must be approved by the IRDAI and offer benefits equal to or greater than the statutory scheme.

ii. Exempted establishments must file a comprehensive monthly online return (detailing employee additions, exits, claims, and grievances).

Please refer to the notification for more information.
Notification G.S.R. 526(E) dated 29-Jun-2026

Amendment brought to where assurance benefit is not less than 2.5 lakhs and not over 6 lakhs

Under Section 22 - Amendment brought to where assurance benefit is not less than 2.5 lakhs and not over 6 lakhs
Notification GSR 170(E) dated 15-Feb-2018

Improvement on EDLIS Benefits effective 8th Jan 11

Under Section 22(A) - Improvement on EDLIS Benefits effective 8th Jan 11
Notification G.S.R. 9(E) dated 8-Jan-2011

Improvement on EDLIS Benefits effective 8th Jan 11

Under Section 22(A) - Improvement on EDLIS Benefits effective 8th Jan 11
Notification G.S.R. 9(E) dated 8-Jan-2011