On this page 12 sections
- Benevolent fund and group insurance in Pakistan at a glance
- What FEB and GIF is
- What is deducted from your salary
- What the family gets on death in service
- Benefits on death after retirement
- Benefits on medical (invalid) retirement
- Grants for living employees and their children
- The Assistance Package: a separate payment
- Provincial benevolent fund boards
- How to claim the benevolent fund in Pakistan
- Mistakes to avoid
- Frequently asked questions
Every federal government employee pays into two funds from their salary: the Benevolent Fund and the Group Insurance Fund. Together they are called FEB and GIF. They pay a monthly grant to the family if the employee dies, a lump sum of up to Rs 1,000,000, and grants for marriage, education and retirement. This guide explains the deductions, every benefit, and how to claim.
These funds are not a pension. Pension, GP Fund and gratuity are separate systems. The three stack. None replaces another. Our government pension guide explains the pension, and our GP Fund guide explains the savings fund.
Benevolent fund and group insurance in Pakistan at a glance#
| Run by | Federal Employees Benevolent and Group Insurance Funds, Establishment Division |
| Covered | All federal government employees (over 649,000), plus extended autonomous bodies |
| Monthly deduction | Benevolent Fund Rs 120 to 960; Group Insurance Rs 381 to 1,090 |
| Sum assured on death in service | Rs 350,000 to Rs 1,000,000 by pay slab |
| Monthly grant to the family | Rs 4,000 to Rs 10,100 a month, spouse for life |
| Burial charges | Rs 10,000 one time |
| Marriage grant | Rs 50,000 for one child; Rs 100,000 for one orphan daughter |
| Claim through | Your parent department, to the FEB and GIF regional office |
| Official site | febgif.gov.pk |
What FEB and GIF is#
The Federal Employees Benevolent and Group Insurance Funds were set up under the Federal Employees Benevolent Fund and Group Insurance Act, 1969. The Funds are a body corporate under the Establishment Division, run by a Board of Trustees chaired by the Establishment Division Secretary.
It is two funds in one. The Benevolent Fund pays monthly grants and welfare grants from employee subscriptions. The Group Insurance Fund pays a lump sum on death in service from insurance contributions. The law behind them is the Act of 1969 and the Rules of 1972.
Not covered: railway employees; anyone who has reached 60 years of age; provincial government employees on deputation to the federal government; and contract, ad hoc and contingent paid employees. Provincial employees are covered by their own provincial benevolent fund boards, not by FEB and GIF. For federal government jobs, see our government jobs hub.
What is deducted from your salary#
Two separate deductions appear on the payslip. Both are fixed amounts set by pay slab, not a percentage of pay. The slabs date from 2013, when pay was much lower, so in 2026 nearly every employee sits in the top Benevolent Fund slab and the higher Group Insurance slabs. Our salary slip guide shows where these deductions appear.
Benevolent Fund subscription: Rs 120 to Rs 960 a month by pay slab. The lowest slab is pay up to Rs 5,000 (Rs 120). The top slab is pay of Rs 39,001 and above (Rs 960). Every covered employee pays it. Gazetted officers deduct it themselves from their pay bills. For non-gazetted staff, the Drawing and Disbursing Officer deducts it.
Group Insurance premium: Rs 381 to Rs 1,090 a month by pay slab. Here is the part most employees do not know: for BPS 1 to 15 staff, the government pays the premium itself. Only gazetted officers (BPS 16 and above) pay their own premium, deducted from pay. So a BPS 1 to 15 payslip shows the Benevolent Fund subscription only. A gazetted officer’s payslip shows both deductions.
| BPS (2026 starting basic pay) | Benevolent Fund per month | Group Insurance per month | You pay per month | Sum assured |
| BPS-1 (Rs 16,280) | Rs 384 | Rs 545 (government pays) | Rs 384 | Rs 500,000 |
| BPS-9 (Rs 20,990) | Rs 480 | Rs 600 (government pays) | Rs 480 | Rs 550,000 |
| BPS-16 (Rs 33,720) | Rs 816 | Rs 709 (deducted) | Rs 1,525 | Rs 650,000 |
| BPS-17 (Rs 54,140) | Rs 960 | Rs 926 (deducted) | Rs 1,886 | Rs 850,000 |
| BPS-18 (Rs 68,330) | Rs 960 | Rs 1,090 (deducted) | Rs 2,050 | Rs 1,000,000 |
What the family gets on death in service#
The family of an employee who dies in service gets three FEB and GIF payments. The Assistance Package lump sum, explained below, is a fourth payment from a separate source.
1. Monthly benevolent grant: Rs 4,000 to Rs 10,100 a month by pay slab, paid to the spouse for life. If the spouse remarries or dies, the grant transfers to eligible family members for a maximum of 15 years counted from the date of the employee’s death. Unlike family pension, the amount is not reduced for the spouse or other family members.
2. Sum assured (group insurance): Rs 350,000 to Rs 1,000,000 by pay slab. Paid to the nominee, or to family members if there is no valid nomination. The full schedule is below.
3. Burial charges: Rs 10,000, one time. Payable even if no family member is eligible for any other benefit.
| Monthly pay | Group Insurance contribution | Sum assured |
| Up to Rs 5,000 | Rs 381 | Rs 350,000 |
| Rs 5,001 to 10,000 | Rs 436 | Rs 400,000 |
| Rs 10,001 to 15,000 | Rs 490 | Rs 450,000 |
| Rs 15,001 to 20,000 | Rs 545 | Rs 500,000 |
| Rs 20,001 to 25,000 | Rs 600 | Rs 550,000 |
| Rs 25,001 to 30,000 | Rs 654 | Rs 600,000 |
| Rs 30,001 to 35,000 | Rs 709 | Rs 650,000 |
| Rs 35,001 to 40,000 | Rs 763 | Rs 700,000 |
| Rs 40,001 to 45,000 | Rs 818 | Rs 750,000 |
| Rs 45,001 to 50,000 | Rs 872 | Rs 800,000 |
| Rs 50,001 to 55,000 | Rs 926 | Rs 850,000 |
| Rs 55,001 to 60,000 | Rs 981 | Rs 900,000 |
| Rs 60,001 to 65,000 | Rs 1,036 | Rs 950,000 |
| Rs 65,001 and above | Rs 1,090 | Rs 1,000,000 |
Security-related deaths: if the death is caused by a terrorist act or while combating terrorists, the family gets an extra monthly grant equal to the normal monthly grant, so the monthly grant doubles. There is also a special lump sum grant: BPS 1 to 10 Rs 200,000; BPS 11 to 16 Rs 300,000; BPS 17 to 19 Rs 400,000; BPS 20 and above Rs 500,000.
Benefits on death after retirement#
If the employee dies after retirement, the spouse is paid the monthly benevolent grant for life, worked out on the last pay drawn. If there is no spouse, other eligible family members get it for 15 years. Burial charges of Rs 10,000 are also paid.
The family receiving the monthly grant can claim the marriage grant of Rs 50,000 on the marriage of one child, if the employee had not already received it during service or after retirement. For an orphan daughter, the marriage grant is Rs 100,000.
Benefits on medical (invalid) retirement#
An employee retired on medical grounds with at least 80 percent disability declared by the Central Medical Board gets a monthly grant of Rs 4,000 to Rs 10,100 a month by pay slab, plus a lump sum grant: BPS 1 to 10 Rs 150,000; BPS 11 to 16 Rs 210,000; BPS 17 to 19 Rs 270,000; BPS 20 to 22 Rs 390,000.
If the invalid retired employee dies, the monthly grant transfers to the spouse for life, then to other eligible family members for the remaining period of 15 years. Burial charges of Rs 10,000 are also paid. The family can also claim the marriage grant of Rs 50,000 on the marriage of one child.
Grants for living employees and their children#
Marriage grant: Rs 50,000 on the marriage of one child, son or daughter, of a serving, retired or deceased employee. One child only. It applies to marriages on or after 21 April 2011. For one orphan daughter of an employee who dies after retirement, the marriage grant is Rs 100,000, for marriages on or after 20 April 2016.
Educational stipends: Rs 20,000 to Rs 40,000 a year for academically outstanding children in post-matric studies. The student must have at least 70 percent marks in the last board or university examination. Maximum two children per financial year. The exact amount by level is fixed by the Board of Trustees from time to time, so this guide does not give per-level amounts. The stipend budget is split 25 percent gazetted and 75 percent non-gazetted.
Fee reimbursement: actual semester or annual fees up to Rs 100,000 a year, for up to two children, for professional degrees (MBBS and BDS, Engineering accredited by the Pakistan Engineering Council, Architecture, IT and D-Pharmacy, Business Studies) in public sector HEC-recognized universities, colleges and institutes, admission on merit. The student must pass all subjects to be promoted. No reimbursement is paid for a semester or year in which the student fails one or more subjects.
Farewell grant: one month’s basic pay (last pay drawn) on retirement after 20 years of continuous federal service.
The Assistance Package: a separate payment#
Do not confuse the group insurance sum assured with the Assistance Package. They are different payments from different sources. A family gets both. The Establishment Division revised the Assistance Package by Office Memorandum dated 8 September 2026, effective from 28 August 2026.
| Assistance Package lump sum | Amount |
| In-service death | BPS 1 to 4 Rs 600,000; BPS 5 to 10 Rs 900,000; BPS 11 to 15 Rs 1,200,000; BPS 16 to 17 Rs 1,500,000; BPS 18 to 19 Rs 2,400,000; BPS 20 and above Rs 3,000,000 |
| Security-related death | BPS 1 to 10 Rs 10 million; BPS 11 to 15 Rs 12.5 million; BPS 16 to 17 Rs 15 million; BPS 18 to 19 Rs 18 million; BPS 20 and above Rs 20 million |
| Death in an accident on official duty | BPS 1 to 10 Rs 3 million; BPS 11 to 15 Rs 4 million; BPS 16 to 17 Rs 4.5 million; BPS 18 to 19 Rs 5 million; BPS 20 and above Rs 7 million |
The package also includes full pay and allowances to the family of a Shaheed till superannuation, 100 percent pension, retention of government accommodation, free education for children, funding for purchase of a house, a marriage grant of Rs 800,000 for one daughter, a monthly house and transport maintenance allowance, employment of the widow, widower, son or daughter in a BS 1 to 15 post, and waiver of unpaid house building, motorcar and motorcycle advances.
Provincial benevolent fund boards#
Each province has its own benevolent fund board under its own law. The federal FEB and GIF covers federal employees only. A provincial employee claims from the provincial board, not from FEB and GIF. The Punjab board’s published rates are:
| Punjab board benefit | Rate |
| Funeral grant | Rs 35,000 one time, gazetted and non-gazetted |
| Monthly grant, gazetted | BS 16 to 17 Rs 6,500; BS 18 to 19 Rs 11,500; BS 20 and above Rs 15,500 |
| Monthly grant, non-gazetted | BS 1 to 10 Rs 3,000; BS 11 to 15 Rs 3,500 |
| Marriage grant | Rs 80,000 for gazetted and Rs 55,000 for non-gazetted, for each daughter |
| Time limit | Claims must reach the board within 3 years of the death or invalid retirement |
A Punjab widow gets the monthly grant for life if the death was in service and she does not remarry. A widower gets it for 15 years. If death occurs within 15 years of retirement, the grant runs for 15 years from retirement. The 3-year filing rule is Punjab only. There is no time limit for federal claims. This guide covers the federal and Punjab board rates only.
How to claim the benevolent fund in Pakistan#
All claims go to FEB and GIF through the parent department of the employee. Submission of claims is the responsibility of the employee and the department. Incomplete cases are the main cause of delay, so check every document before submitting.
Form B is the claim form for the monthly benevolent grant, sum assured, lump sum grant on invalid retirement, and burial charges. Separate forms exist for the marriage grant, farewell grant, educational stipend, and nomination (Form A). Forms are available at the head office, regional offices, and on febgif.gov.pk.
Documents with a Form B claim include:
- Service book: first, second and last pages.
- Last pay certificate: countersigned by the DDO, showing pay, allowances and the benevolent and group insurance deductions.
- Death certificate: from the Union Council or Municipal Committee.
- Retirement or struck-off-strength order
- Valid nomination form
- NADRA Family Registration Certificate
- CNICs: of the deceased and all beneficiaries.
- National Bank of Pakistan account: for payment. Only an NBP account is used.
A dormant account delays the case.
Regional offices: Islamabad (Benevolent Fund Building, Block C-II, Zero Point, phone 051-9252372) covers Islamabad, Khyber Pakhtunkhwa, Rawalpindi, Chakwal, Attock and Jhelum, and Gilgit-Baltistan. Karachi (Al-Ameera Centre, Saddar, phone 021-9920237) covers Sindh and Balochistan. Lahore (Al-Jannat Building, Nila Gumbad, phone 042-99211402) covers all Punjab except Rawalpindi, Chakwal, Attock and Jhelum. Claim status: 051-9252316, 051-9253163, 051-9252164.
Mistakes to avoid#
Mixing up the two lump sums. The group insurance sum assured is Rs 350,000 to Rs 1,000,000. The Assistance Package lump sum is Rs 600,000 to Rs 3,000,000. They are different payments. A family gets both.
Assuming the premium comes out of every payslip. For BPS 1 to 15, the government pays the Group Insurance premium. Only the Benevolent Fund subscription shows on their payslip.
Applying to the wrong board. Federal employees claim from FEB and GIF. Provincial employees claim from their provincial board. A Punjab employee who files with FEB and GIF will be turned away.
Submitting an incomplete case. Incomplete cases are the main cause of delay. Attach the service book pages, the last pay certificate, the death certificate, the FRC and the NBP account details together, through your department.
Trusting a single fixed figure. No single sum assured or monthly grant applies to everyone. Every figure depends on the pay slab. Check the slab first.
Frequently asked questions#
Who can claim benevolent fund grants?
The employee claims the marriage grant, educational stipend, fee reimbursement, farewell grant, and lump sum grant on invalid retirement. After the employee’s death, the spouse, the nominee named in Form A, or eligible family members claim the monthly benevolent grant, the sum assured, and burial charges. All claims go through the employee’s parent department to the FEB and GIF regional board. Family means the spouse, sons up to 21, parents, minor brothers, and unmarried, divorced or widowed daughters and sisters wholly dependent on the employee.
How much is the group insurance on death in service?
The sum assured is Rs 350,000 to Rs 1,000,000 depending on the monthly pay slab. At 2026 starting basic pay: BPS-1 Rs 500,000; BPS-9 Rs 550,000; BPS-16 Rs 650,000; BPS-17 Rs 850,000; BPS-18 and above Rs 1,000,000. The family also gets the monthly benevolent grant (Rs 4,000 to Rs 10,100 a month) and Rs 10,000 burial charges, plus the separate Assistance Package lump sum (Rs 600,000 to Rs 3,000,000 by BPS).
What is deducted from my salary for the benevolent fund?
The Benevolent Fund subscription is Rs 120 to Rs 960 a month by pay slab. At 2026 starting pay it is Rs 384 for BPS-1, Rs 480 for BPS-9, Rs 816 for BPS-16, and Rs 960 for BPS-17 and above. The Group Insurance premium is Rs 381 to Rs 1,090 a month by pay slab. The government pays it for BPS 1 to 15 staff, and gazetted officers pay it themselves.
What is the marriage grant?
Rs 50,000 for the marriage of one child, son or daughter, of a serving, retired or deceased federal employee. One child only. It applies to marriages on or after 21 April 2011. For one orphan daughter of an employee who dies after retirement, the marriage grant is Rs 100,000.
What happens to the monthly grant if the widow remarries?
The grant transfers to the eligible family members for the remaining period of 15 years counted from the employee’s death. The amount is not reduced.
Does the benevolent fund pay a pension?
No. It pays grants and a lump sum. Pension is a separate system under the pension rules. Our government pension guide explains how pension is calculated.
