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How to Claim PMKMY Spouse Death Benefit 2026
PMKMY Spouse Benefit - on subscriber death, spouse gets ₹1,500/month + return of contributions.
📁 Insurance
⏱️ 30-45 mins
💰 Free
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About This Guide
Pradhan Mantri Kisan Maandhan Yojana (PMKMY) on subscriber's death: spouse receives ₹1,500/month (50% of ₹3,000 expected pension) for lifetime OR option to take back accumulated contributions + interest. Apply via maandhan.in or LIC office (LIC manages corpus).
Eligibility Criteria
- PMKMY subscriber's spouse
- Subscriber died (any time during contribution OR after pension started)
- Aadhaar mandatory
- Spouse's bank account
- Death certificate
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Subscriber's PMKMY account number
- Subscriber's Aadhaar
- Death certificate
- Spouse's Aadhaar
- Spouse's bank account (Aadhaar-seeded)
- Marriage certificate
- Photo
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Visit LIC Office
Or maandhan.in helpline.
Submit Death Notification
Within 30 days ideally.
Choose Option
A) Continue ₹1,500/month spouse pension OR B) Lump sum withdrawal.
Submit Documents
Death cert + spouse KYC.
Option A: Pension
₹1,500/month to spouse for lifetime.
Option B: Lump Sum
Total contributions + 8.5% interest. One-time DBT.
Key Benefits
- ₹1,500/month spouse pension
- OR lump sum option
- Lifetime spouse benefit
- Contribution-linked
- Govt-backed
- LIC-managed
- Quick claim
What Happens After Application?
30-60 days for pension to start.
Frequently Asked Questions
No spouse?
Nominee gets lump sum (contributions + interest). Or legal heirs.