Death before 60 years of age
In case, the subscriber dies before the age of 60 years, there are two options:
a) Closure of APY account - In case, spouse wishes to exit from the scheme and close the account, the corpus will be settled in the name of spouse. If spouse is not present (where Subscriber is not married, divorced, legally separated or spouse has expired), then the corpus will be settled in the name of the nominee. In case of any other claimant (other than spouse / nominee), the corresponding legal heir certificate or certified copy of family member’s certificate issued by Executive Magistrate indicating the relationship of the claimant with the subscriber shall be submitted.
b) Continuation of APY account (only for Spouse) – The spouse would have an option to continue to retain the APY account, which can be maintained in the spouse's name, for the remaining vesting period, till the original Subscriber would have attained the age of 60 years. The spouse of the Subscriber shall be required to contribute and entitled to receive the same pension amount as that of the Subscriber until the death of the spouse.
After the demise of both the subscriber & the spouse, the nominee shall be entitled to receive the pension wealth, as accumulated till age 60 of the subscriber.
Death after 60 years of age
After the demise of the subscriber, the spouse of the subscriber shall be entitled to receive same pension amount as that of subscriber until the death of the spouse.
The Account Closure Form is to be submitted at the branch of the APY-SP (now POP) where the APY account is held. The branch official shall ensure that the spouse/nominee has filled up the correct form 
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