No, you cannot withdraw the employer’s share for illness. Whatever the amount you have in your employee share that amount only you can withdraw it for both your illness and the illness of your family members.
For example, If you have ₹60,000 in your EPF account (including both your and your employer’s contributions), you cannot withdraw the employer’s share (₹30,000) for illness.
However, you can withdraw your own contribution (₹30,000) plus any interest earned on it, up to either six months of your basic wages and DA (or) your total employee’s share with interest, whichever is less.
For example, if your employee’s share plus interest is ₹35,000 and six months’ wages are ₹50,000, you can withdraw ₹35,000. (Because ₹35,000 < ₹50,000)
What is the Employer’s Share in EPF?
When you contribute to your EPF, the employer will also contribute an equal amount. However this employer’s share is not fully accessible to you until you retire, resign, or meet specific conditions like permanent disability.
Can You Use the Employer’s Share for Illness?
No, the employer’s share cannot be withdrawn for medical treatment or illness. The rules are clear: the employer’s share is locked in until you reach the age of retirement.e 58 years, leave your job, or face permanent disability.
How Much Can You Withdraw for Illness?
For medical emergencies, you can withdraw from your employee’s share along with interest earned on it. The amount you can withdraw is limited to:
- Six months of your basic wages and dearness allowances (DA), or
- Your total employee’s share with interest,
whichever is lesser, that amount you will get as PF advance. This applies whether the treatment is for yourself or your family members.
What’s Needed to Withdraw Illness?
- To withdraw PF advance you have to submit form 31 online on the UAN member portal.
- Medical certificates are not required for PF advance.
Why Can’t You Withdraw the Employer’s Share?
- The employer’s share is designed to provide long-term financial security after retirement or resignation. Not for short-term needs like medical emergencies.
- So it is better to plan for your medical emergencies separately through health insurance.
Recommended:
- How to write a mail to HR for PF withdrawal.
- 5 Mistakes that will cause your EPF claim to be rejected.