EOBI Benefits Explained
EOBI gives four benefits: Old-Age Pension, Old-Age Grant, Survivor’s Pension and Invalidity Pension. Pension needs 15 years of contribution and age 60 for men or 55 for women. The minimum pension is Rs 11,500 per month.
All EOBI benefits at a glance
| Benefit | Who gets it | Service needed | Amount | Paid |
|---|---|---|---|---|
| Old-Age Pension | Worker at 60 (men) or 55 (women) | 15 years | Formula, minimum Rs 11,500 | Monthly, for life |
| Old-Age Grant | Worker at 60 / 55 | 2 to under 15 years | 1 month’s wage per year | Once |
| Survivor’s Pension | Spouse, minor children, parents | 36 months in service, or 5 years | Minimum pension Rs 11,500, or the pension the deceased was getting | Monthly |
| Invalidity Pension | Worker disabled before 60 / 55 | 15 years, or 5 years with 3 of last 5 paid | Formula, minimum Rs 11,500 | Monthly |
Want your own number? Use the EOBI pension calculator.
1. Old-Age Pension
This is the main EOBI benefit. It is paid every month for the rest of your life.
Who qualifies
- Age 60 for men. Age 55 for women.
- EOBI contribution paid for at least 15 years.
- A part year of 6 months or more counts as a full year. So 14 years 6 months counts as 15 years. The Federal Constitutional Court confirmed this in January 2026.
How much you get
Pension = Average monthly wage × Years of contribution ÷ 50
The average wage is the wage on which contribution was paid in your last 12 months before you qualified.
Example: wage Rs 40,000 and 20 years. 40,000 × 20 ÷ 50 = Rs 16,000 per month.
If the formula gives less than Rs 11,500, EOBI pays Rs 11,500. This minimum applies from 1 January 2025. Pension increase history
2. Old-Age Grant
This is a one-time payment for workers who reach pension age without 15 years of contribution.
Who qualifies
- Age 60 for men. Age 55 for women.
- At least 2 years of contribution, but less than 15 years.
How much you get
One month’s average wage for every completed year. A part year of 6 months or more counts as a full year.
Example: wage Rs 40,000 and 8 years 7 months. 40,000 × 9 = Rs 360,000 once.
3. Survivor’s Pension
This pension goes to the family when an insured person or pensioner dies.
When the family qualifies
- The insured person dies while in insurable employment after at least 36 months of contribution.
- Or the insured person dies after completing 5 years of insurable employment.
- Or the person was already getting Old-Age or Invalidity Pension.
How much
If death happens in service after 36 months, the spouse gets a life pension equal to the minimum pension, now Rs 11,500. If the person was already a pensioner, the family continues on that pension.
Who gets it
| Family member | How long |
|---|---|
| Widow or widower | For life |
| Sons (minor) | Until age 18 |
| Daughters (minor) | Until age 18 or marriage, whichever is earlier |
| Parents | 5 years from the death of the spouse, when the spouse dies within 5 years and no minor child is left |
The official form is the Survivor’s Pension form (PDF). It includes an affidavit and a succession statement (Warasat Nama). The succession statement must be attested by a grade 17 officer or a Union Council chairman.
4. Invalidity Pension
This pension is for a worker who becomes permanently unable to work before pension age.
Who qualifies
- Under age 60 for men, or under 55 for women.
- 15 years of contribution. Or at least 5 years since joining EOBI, with contribution paid in 3 of the last 5 years.
- Permanent invalidity certified through EOBI’s medical board process.
How much you get
The same formula as Old-Age Pension, with the Rs 11,500 minimum. It is not paid for more than 6 months before the month you apply. So apply quickly.
After 5 continuous years on Invalidity Pension, or on reaching pension age, it continues for life.
Documents for an EOBI pension claim
This list is printed on the official Old-Age / Invalidity Pension form (PDF).
- CNIC photocopy, both sides, attested. 3 copies.
- Spouse CNIC photocopy, both sides, attested by a grade 17 or higher officer. If the spouse has died, a death certificate or affidavit.
- 4 recent photographs, attested.
- Service certificate from the employer.
- Age certificate from the employer.
- Original EOBI registration card.
- Salary statement for 12 months. For service before 1983, the first 6 months’ salary statement.
- Employer certificate that no claim was filed before, and the claimant affidavit (both pages are in the form).
- Name of the nearest branch of the authorised bank where you want to receive pension.
If your employer has closed: attach any original proof you have. Examples: appointment letter, resignation or termination letter, final settlement letter, service book, social security card.
Applying late? If you apply more than one year late, fill the delay condonation part of the form and give the reason.
How to claim an EOBI benefit
- Check your contribution record on Insured Person Details.
- Download the right form from EOBI forms.
- Get the employer certificate signed and stamped.
- Attach the documents listed above.
- Submit the claim at your EOBI regional office and keep the Claim Form No.
- Track it on Pension Claim Status with the Claim Form No or CNIC.
After you apply
- EOBI issues your pension card within 30 days of processing the claim.
- Pension is paid every month through the bank branch you named. It starts from the month after you qualify.
- Apply within 12 months of qualifying. A late claim can be accepted with a valid reason, but arrears are paid for 6 months at most.
- Pension stops while you live abroad. All arrears are paid when you return.
- Lost pension card: inform your regional office in writing and file an FIR at the police station.
Source: EOBI “How to Receive Pension” (eobi.gov.pk).
ای او بی آئی کے فوائد: خلاصہ
- بڑھاپا پنشن: مرد 60 سال، خواتین 55 سال، کم از کم 15 سال کی کنٹری بیوشن۔
- بڑھاپا گرانٹ: 2 سے 15 سال سے کم سروس پر ایک بار رقم۔
- پسماندگان پنشن: بیوہ کو تاحیات، بچوں کو 18 سال تک۔
- معذوری پنشن: مستقل معذوری کی صورت میں ماہانہ پنشن۔
- کم از کم پنشن 11,500 روپے ماہانہ ہے۔
Frequently asked questions
What are the benefits of EOBI?
EOBI gives four benefits: Old-Age Pension, Old-Age Grant, Survivor's Pension and Invalidity Pension. All four are paid to insured persons or their families from the contributions made by employers and workers.
Who is eligible for EOBI pension?
A man aged 60 or a woman aged 55 who has paid EOBI contribution for at least 15 years is eligible for Old-Age Pension.
Can I get EOBI pension with 14.5 years of service?
Yes. Under the EOB Act Schedule, a part year of 6 months or more counts as a full year. The Federal Constitutional Court confirmed in January 2026 that workers with 14.5 years or more qualify for pension.
Can a widow get EOBI pension?
Yes. If the insured person dies while in insurable employment after at least 36 months, or after completing 5 years of insurable employment, the spouse gets Survivor's Pension for life.
Is EOBI pension paid to children?
Yes. Minor children share the Survivor's Pension. Sons get it until age 18. Daughters get it until age 18 or marriage, whichever comes first.
Can I get EOBI money with less than 15 years?
Yes. With 2 to under 15 years of contribution you get the Old-Age Grant at pension age. It is a one-time payment equal to one month's average wage for each completed year.
How long does EOBI take to decide a pension claim?
EOBI does not publish a fixed time for new claims. For complaints and appeals under Sections 33, 34 and 35 of the EOB Act, the time limit is 90 days.