EPFO : भविष्य निर्वाह निधीच्या कोट्यावधी सभासदांसाठी पुन्हा एकदा चांगली बातमी समोर आली आहे. EPFO ने अधिक पेन्शनचा (Higher Pension) पर्याय निवडण्यासाठीच्या मुदतीत वाढ केली आहे. अधिक पेन्शन मिळवण्यासाठीचा पर्याय निवडण्यासाठीची शेवटची तारीख 3 मे 2023 होती. आता, या तारखेत वाढ करण्यात आली आहे.
EPFO ने आता, ज्या सदस्यांना अधिक पेन्शनचा पर्याय निवडायचा आहे, अशा सभासदांसाठी 26 जून 2023 ही शेवटची तारीख असणार आहे. अधिक पेन्शनचा पर्याय निवडल्यानंतर पेन्शनच्या रक्कमेत वाढ होणार आहे. मात्र, त्यासाठीची प्रक्रिया आणि कागदपत्रांना घेऊन लोकांमध्ये मोठा संभ्रम असल्याचे दिसून आले. त्यामुळे अधिक पेन्शनचा पर्याय निवडण्यासाठीच्या शेवटच्या तारखेचा पर्याय वाढवून देण्याची मागणी करण्यात येत होती. आतापर्यंत 12 लाख सभासदांनी अधिकच्या पेन्शनसाठीचा पर्याय निवडला आहे.
4 नोव्हेंबर 2022 रोजी सर्वोच्च न्यायालयाच्या निर्णयानुसार, जे कर्मचारी 1 सप्टेंबर 2014 पूर्वी किंवा 1 सप्टेंबर 2014 पूर्वी EPF चा भाग होते, परंतु उच्च निवृत्ती वेतनासाठी अर्ज करू शकत नाहीत. ते 4 महिन्यांत नवीन पर्याय निवडू शकतात. नंतर ही मुदत 3 मे 2023 पर्यंत वाढवण्यात आली. यासाठी ऑनलाइन सुविधा निर्माण करण्यात आली आहे. मात्र पेन्शनचा हिशोब कसा होणार याबाबत संभ्रम आहे. तसेच, पीएफ फंडातून पेन्शन फंडात पैसे हस्तांतरित करण्याची प्रक्रिया देखील स्पष्ट नाही. अशा स्थितीत निवड करणाऱ्यांमध्ये संभ्रम निर्माण झाला आहे. त्यामुळे ही तारीख वाढवण्याची मागणी होत होती.
EPFO च्या माध्यमातून तुम्हाला नियमित पेन्शनचा लाभ मिळू शकतो. EPS च्या माध्यमातून जमा केलेल्या निधीतून ही पेन्शन दिली जाते. तुमचा मृत्यू झाल्यानंतर तुमच्या जोडीदाराला पेन्शनची 50 टक्के रक्कम मिळते. तुमचा आणि जोडीदाराचा दुर्देवी मृत्यू झाल्यास तुमच्या मुलांची 25 वर्षे पूर्ण होईपर्यंत विधवा पेन्शन म्हणून देय रक्कमेच्या 25 टक्के रक्कम मिळते.
ज्या कर्मचाऱ्याने दहा वर्ष किंवा त्यापेक्षा जास्त नोकरी केली आहे त्याला पेन्शनची सुविधा मिळते मात्र त्यासाठी त्याची एम्प्लॉयर पीएफ ऑफिसमध्ये नोंदणी असणे आवश्यक असल्याचे अधिकाऱ्यांनी स्पष्ट केले आहे. एखादा कर्मचारी भविष्य निर्वाह निधीचा सदस्य झाल्यास तो ईपीएसचा देखील सदस्य होतो. कर्मचाऱ्यांच्या मूळ पगाराच्या 12 टक्के वाटा पीएफमध्ये असतो. कर्मचाऱ्याव्यतिरिक्त तेवढाच भाग कंपनी-मालकाच्या खात्यातून देखील जमा करण्यात येते. पण कंपनी मालकाच्या योगदानाचा एक भाग ईपीएस योजनेत जमा केला जातो.
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