Closed employer, mismatched exit date
Client A, Pune. Three rejections over a date-of-exit mismatch; the employer had shut down in 2019.
EPS Pension Issues
Get the pension your service has earned.
Scheme certificates, monthly pension claims, family pension, missing service periods and higher-wage pension matters. EPS rules are separate from your PF balance, and so are the mistakes. We check your service record and fix what is understated.
Independent of EPFONo OTPs or passwords requestedHandled remotely
Overview
Why these claims fail, and how ours don't.
The Employees’ Pension Scheme provides a monthly pension once you have at least ten years of eligible service and reach the qualifying age. With less service, a withdrawal benefit or scheme certificate may apply.
How we help
- Checking eligible service and its records
- Withdrawal benefit or scheme certificate (Form 10C)
- Monthly pension claims (Form 10D)
- Resolving service-period discrepancies
To discuss your matter, book a consultation.
Where we help
Situations we handle.
If yours is not listed, describe it in the enquiry form. We will tell you plainly whether we can help.
- 01Monthly pension claim (Form 10D)For members reaching pensionable age, including early pension at a reduced rate.
- 02Scheme certificate (Form 10C)For members leaving covered employment who want to keep their service for a future pension.
- 03Family and widow pensionFor dependants of a member or pensioner who has died, with their own documents and eligibility.
- 04Service period understatedService missing after a transfer or understated in the record, which lowers the pension.
- 05Higher-wage pension mattersApplications, demand notices and calculations for members who contributed on higher wages.
Before you file
Readiness and documents.
Missing one of these is the most common reason a claim stalls. We check them all in the consultation.
Eligibility checklist
What must be in order
- Ten years of eligible service for a monthly pension
- Reaching pensionable age, or early pension at a reduced rate
- Service history consolidated under one UAN
- KYC and bank details verified
- Life certificate kept current once the pension starts
Documents
What to keep ready
- PPO number, if a pension has already started
- Service passbook and any scheme certificates
- Aadhaar, PAN and bank proof
- Death certificate and relationship proof for family pension
- Wage and contribution records for higher-wage matters
We never ask for your UAN password or OTPs by message or email. Any portal step happens with you in a live session, and you stay in control.
How we handle it
Four stages, one accountable adviser.
The scope and fee are agreed in writing before any work begins.
Stage I
Service reconstruction
We rebuild your pensionable service from all of your accounts.
Stage II
Gap correction
We trace transfers and fix missing or wrongly recorded periods.
Stage III
Claim or certificate
We file the pension claim or the scheme certificate with complete records.
Stage IV
Verification
We check the pension calculation and any arrears once it is settled.
Common mistakes
What usually goes wrong.
We see these mistakes repeatedly. Each one adds weeks, and some reset the claim entirely.
Pitfalls we prevent
- Withdrawing EPS with close to ten years of service
- Leaving earlier service unmerged before claiming a pension
- Not checking how NCP days affected the service count
- Letting the life certificate lapse after the pension starts
What we do · what you do
- We: Rebuild your full service history
- We: Trace missing transfers
- We: File pension claims and scheme certificates
- We: Check the pension amount and arrears
- You: Share every past employer and UAN
- You: Provide family documents where needed
- You: Submit your life certificate every year
- You: Tell us about any letters from EPFO
Fees
Fixed, and agreed in writing.
Consultation₹999 + 18% GST
Selected matters
Cases where this came up.
Anonymised outcomes shared with client consent.
Two UANs and an inactive mobile
Client B, Dubai. Two UANs, an Aadhaar name mismatch and no Indian mobile linked to the account.
Service period restored
Client C, Chennai. Pensionable service understated after a transfer missed in 2009.
Client reviews
What clients said.
Verified reviews, quoted with permission.
“Two years of rejections, and they found the problem in the first call: my exit date was wrong in the employer’s records. Settled in five weeks.”
“I live in Toronto and assumed I’d have to fly back. Everything happened on video calls and email, and they updated me every week.”
“They told me honestly that one of my two claims wasn’t worth the fee. The other one, my pension, they fixed completely.”
Questions
Frequently asked.
If your question is not covered here, raise it in the consultation.
Ten years of eligible service in total, which can be spread across several employers if the service is properly transferred.
If you have less than ten years of service and expect to work in covered employment again, a scheme certificate keeps that service for a future pension. We help you weigh the choice.
The usual causes are missing service periods, wrong wages or NCP days. We check each of them against your record.
Yes. Eligible dependants can claim a family pension with the required documents.
Next step