What is the process of Offline Death Claim Process – ESIC ?
When an ESIC-insured person passes away, dependents can claim benefits through an offline process. The claim covers funeral expenses and dependents’ benefits.
Steps for Offline Death Claim Process
1. Obtain the Correct Forms
• For funeral expenses: Form-22 (Funeral Expenses Claim).
• For dependents' benefit (pension): Use the relevant Dependant’s Benefit Claim Form (often Form 15 or equivalent, depending on regional ESIC office requirements).
2. Fill Out the Forms
Provide all details of the deceased, including ESIC insurance number, last employer, date of death, and claimant’s details. Attach declarations as required (showing relationship with deceased, actual expenses, etc.).
3. Attach Required Documents
• Death Certificate of the insured person.
• Proof of identity and relationship with the deceased (Aadhaar card, family member details).
• Employer’s certification of last employment.
• Original bills/vouchers of funeral expenses (for funeral claims).
• Bank details of claimant (copy of cancelled cheque or first page of passbook).
• Employer’s Code Number (can be found on ESIC Pehchan card or from the employer).
4. Submission
Submit the filled claim forms along with all documents to the nearest ESIC branch or regional office. Forms are typically submitted in person by the claimant or through the employer.
5. Verification and Processing
The ESIC office verifies the claim and supporting documents. If all checks out, the benefit/funeral amount is disbursed, usually via electronic transfer to the claimant’s bank account. Processing typically takes 30–60 days if all documents are in order.
Key Points to Remember
• Funeral expenses under ESIC are subject to a maximum limit (commonly up to ₹15,000).
• Claims should generally be made as soon as possible after the death, preferably within six months.
• Any delays, discrepancies, or incomplete documentation can lead to postponement or rejection of the claim