Assam Tea Plantation Workers Social Security 2026: PF, Pension & Insurance

At a glance

About the scheme

Administered by the Ministry of Labour and Employment and implemented through the Assam Tea Employees Provident Fund Organisation (ATEPFO), this initiative safeguards the livelihoods of tea plantation and factory labourers in Assam. Both workers and employers contribute 12% of wages towards the provident fund, ensuring long-term financial stability. Beyond retirement security, the scheme offers non-refundable PF advances for emergencies, a monthly family pension upon a worker's demise, and death assurance benefits disbursed within seven days.

Benefits

• Provident Fund advances for marriage, medical care, death ceremonies, house building, higher education, and financial hardships.
• Full settlement of the accumulated Provident Fund account upon retirement, termination, or leaving employment.
• Full monthly pension after retiring at 58 years of age with at least 10 years of service.
• Proportionate pension benefits if employment ceases between 50 and 58 years of age.
• Immediate one-time financial relief of ₹2,000 paid to the family upon the death of an active worker.
• Monthly family pension ranging from ₹1,000 to ₹1,500 following the worker's death, based on the PF balance.
• Deposit-linked insurance payout between ₹1,00,000 and ₹2,00,000 to the nominee upon the worker's demise in service.
• Fast-track processing and disbursal of family pension and insurance claims within 7 days.

Who can apply (eligibility)

• Must be employed in a tea plantation or tea factory located in the state of Assam.
• Must earn a monthly salary of up to ₹15,000, or work as a daily wage earner.
• Eligible for full retirement pension upon reaching 58 years of age with a minimum of 10 years of service.
• For family pension and life assurance claims, the worker must have passed away during active service.
• For deposit-linked insurance, the deceased worker must hold at least ₹1,000 balance in their PF account on the date of death.

Documents required

• Identity proof of the tea garden worker.
• Proof of employment in an Assam tea plantation or tea factory.
• Salary slip or wage proof confirming monthly earnings up to ₹15,000 or daily wage employment.
• Death certificate of the employee (for family pension and insurance claims).
• Identity proof and bank account details of the nominee.
• Assam Tea Employees Provident Fund Organisation (ATEPFO) member registration details.

How to apply

1. 1The tea garden management visits the official ATEPFO online portal at atepfo.in.
2. 2The employer completes employer registration and enrols every eligible employee as a member from their first day of work.
3. 3The employer deducts 12% of the employee wages, matches it with an equal 12% contribution, and deposits it through Quick Pay within 30 days.
4. 4Designated ATEPFO officials log in from the tea garden to submit statutory claim forms for PF advances, retirement pensions, or insurance.
5. 5Claim progress can be tracked online via the e-Passbook, Claim Status Check, or SMS gateway until benefits are released within 7 days.

Frequently asked questions