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EPF: Which claim form you should use? An explainer

When you are looking for an advance from provident fund account, then you need to apply for composite form (aadhaar). And when you want to settle pension fund after crossing 58 years of service, you can apply in form 10D

Should I buy a family floater plan for my senior citizen parents?

Here’s the deal with family floaters: The premiums are based on the age of the oldest family member. So, if your parents are older, it could hike up the cost for everyone. Plus, as they age, they might need more medical care, which can drain the coverage meant...