What Are EOBI Benefits After Death?

The Government of Pakistan established the “Employees Old Age Benefits Institute” EOBI in 1976 performing under the Ministry of Overseas Pakistan Foundation/Human Resource Development to address the private sector employee retirement needs.


Initially, EOBI was designed to address private sector employees to meet their retirement benefits, but now EOBI is covering National or International NGOs working in Pakistan including the private education sector, and providing financial safety nets. 


In this post, we’ll discuss EOBI benefits for survivors or in death cases that occurred during the service or after retirement from service.


EOBI Grant Benefits Eligibility:

EOBI grant is to pay one-time financial assistance to a particular employee when he/she discontinues EOBI contribution less than 10 years.  During service, if any employee resigns or terminates his/her service with the respective employer his/her contribution will be automatically discontinued.


EOBI Registration Process


EOBI Deduction From Salary:

As per EOBI law, every employer who has more than 5 employees under his/her organization must pay the EOBI contribution as per the formula mentioned here. The EOBI laws specifically indicate the employer’s finance section to deduct a minimum wage contribution of 5% employer or 1% of the employee every month and deposit it in the Bank Alfalah branch.


Keep in mind, that a manual bank voucher is not acceptable to the respective bank. Alfalah Bank only entertains online and generate payment voucher from the employer.



EOBI Payment Due Date:

Registered employers must pay the due contribution within the given time frame, otherwise, statutory fines will be applied monthly basis. To avoid a statutory fine, an employer must pay it by next month's 5th date. However, the bank is allowed to get payment after the due date with a statutory fine.



EOBI Pension For Survivors:

According to the Employees Old Age Benefits Institute (EOBI) rules and regulations, pensioners must submit a life survival certificate from their respective union council or NADRA office to the EOBI office. EOBI office may enquire from the respective offices to make sure the pensioner is alive.


EOBI Pension Claim Process


What is The Rate of EOBI in 2023?

Last time Government of Pakistan increased the minimum wage from 13,000 to 25,000 respectively. After increases in minimum wages, the EOBI rate is also increased from 780 to 1500 with the employer's contribution Rs. 1250 (5%) and Rs. 250 (1%) from employees.



Govt Revised Minimum Wages?

The minimum EOBI pension has been enhanced from Rs. 6,000 to Rs. 8,500 per month and enhancement of minimum wage rate from Rs. 13,000 to Rs. 25,000


Is EOBI compulsory in Pakistan?

Before: All businesses having at least 5 employees were required to register with the Employees' Old-Age Benefits Institution (EOBI). After: Employees' Old-Age Benefits Institution (EOBI) has exempted micro/ small organizations from mandatory registration.


At what age pension is doubled in Pakistan?

As per Employees Old Age Benefits Institute (EOBI) rules if pensioners survive or attain the age of 72 years, the pension amount will be double, however, other terms and conditions of EOBI may apply. 

How To Get an EOBI Card?


Frequently Ask Questions:

How do I get my EOBI card?

If you are an employee, your employer is required to register you with EOBI and issue you an EOBI card. To get an EOBI card through your employer, you will need to provide them with your CNIC and proof of employment.


If you are self-employed or not currently employed, you can apply for an EOBI card directly from EOBI. To do this, you will need to fill out an EOBI registration form and submit it to your nearest EOBI office. You will also need to provide a copy of your CNIC and proof of income. 


What is The Monthly Fee For EOBI?

Employer's contribution: 5% of the worker's minimum wages and Employee's contribution: 1% of the worker's minimum wages. The minimum wage in Pakistan is currently Rs. 25,000 per month. This means that the monthly fee for EOBI is as follows:


Employer's contribution: Rs. 1,250.

Employee contribution: Rs. 250.



How Do I Claim EOBI?

To claim EOBI, you will need to submit the following documents to your nearest EOBI office: 

EOBI Registration Card: You can get your EOBI Registration Card from your employer or by applying to EOBI directly.


Your CNIC is a government-issued identification card that is required for all EOBI claims, and your last salary sheet, this could be a recent pay slip, employment contract, or letter from your employer stating your employment dates and salary.

Medical Certificate: If you are claiming EOBI benefits due to an injury or illness, you will need to provide a medical certificate from a doctor.

Death Certificate: If you are claiming EOBI benefits on behalf of a deceased person, you will need to provide a death certificate. 


What is The Period To Claim EOBI?

There are different claim periods for different EOBI benefits. Here are some of them: 

Old-age pension: You can claim an old-age pension after you have attained the age of 60 years and have completed at least 10 years of insurable employment.

Invalidity pension: You can claim an invalidity pension if you have become permanently disabled due to an accident or an occupational disease and are unable to earn a living. You must have completed at least 5 years of insurable employment to be eligible for this benefit.

Survivor's pension: If you are the spouse, child, or parent of a deceased insured person, you may be eligible for a survivor's pension. The eligibility criteria and the amount of pension vary depending on your relationship to the deceased person.

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