Sri Lanka ETF Benefits Checker — What You Can Claim

The Employees' Trust Fund is usually described as “the 3%” — the employer contribution held in your account under the Employees' Trust Fund Act No. 46 of 1980. That balance is only the statutory half. Under the same Act the Board runs eleven welfare schemes, and those are the ones members never claim. This page models all of them from the Board's own scheme pages, re-read on 2026-09-25.

Three of the schemes pay by formula rather than by a flat figure, so the tool computes them:

• Free Life Insurance (death). benefit = min(15 × average monthly salary, Rs 100,000), where the average is taken over the six months preceding the month of death. The ceiling bites above Rs 6,666.67 a month, so most members hit it — but a part-time contributor on Rs 6,000 gets Rs 90,000, not Rs 100,000. That is the single most common misreading of the scheme.
• Permanent Disability Insurance. ceiling = min(24 × average monthly salary, Rs 300,000). The scheme pays only where the Physician finds disablement above 50% and the employer certifies that employment ceased because of the accident or disease. The Board then scales the payment by the assessed degree, and it publishes no scale — so the tool reports the ceiling and says so, rather than inventing a percentage table.
• “Viyana” housing loan.The rate comes from the Board's published band table: Rs 100,000–Rs 250,000 at 10%; Rs 250,001–Rs 750,000 at 11%; Rs 750,001–Rs 2,500,000 at 12%. The monthly instalment is the standard reducing-balance annuity, EMI = P·i / (1 − (1 + i)⁻ⁿ), with i the annual rate over twelve and n the term in months.

The other eight schemes pay a published figure or a ceiling the Board works within, so the tool reports the amount and labels it “up to” rather than dressing a discretionary payment up as a calculation. Every figure carries its source URL in the data module.

Deadlines are the part people lose claims on. Heart surgery, kidney transplant, the intra-ocular lens and Shramasuwa Rekawarana all run on 90 days from the date of discharge. Death is one year from the date of death. Permanent disability is one year from discharge or from termination, whichever is later. The tool adds the window to the date you give and shows the days remaining, in red once it has gone.

Two gates decide most verdicts. Active membership: the Board counts you active only while you are employed and the 3% is being remitted, so the welfare schemes close the day employment ends — and the refund of the balance only opens then. The five-year rule: after a refund, another is possible only 5 years from the cessation of the employment the last claim related to, unless one of five exits applies (completion of 60 years of age, permanent migration, pensionable government service, termination for permanent disability, or death).

Each computed figure is checked a second way on screen. The insurance benefits are recomputed from the six-month salary total— “fifteen times the average of six months” is 2.5 times the total, twenty-four times the average is 4 times it — and the Viyana instalment is re-run as a month-by-month amortisation schedule, which only closes on a zero balance if the annuity formula is right.

What this does not do: it never asks for a login or looks up your actual balance, which lives behind an authenticated session on ETF e-Services. It does not file a claim, make a medical judgement, or estimate your odds in a scholarship round capped in number and selected on marks.

The eleven welfare schemes and the refund, with what each pays and how long you have. Figures read from the ETF Board's scheme pages on 2026-09-25.

“Pays” is the published maximum. Several schemes pay against the bill up to that ceiling rather than paying it out in full. Use the tool above for your own figures.

• ETF Board — Non-Statutory Benefits (every welfare scheme, its amount, waiting period and claim window)
• ETF Board — Statutory Benefits (refund of the balance, the five-year rule, documents, office network)
• ETF Board — Nipunatha Saviya (NVQ training grant, age limit, contribution history, closing date)
• ETF Board — Vishwa Yathra (university-entrant grant)
• ETF Board — e-Services (your own balance and member statement; this tool never asks for a login)
• Employees' Trust Fund Board — official site

Every rupee figure, waiting period and claim window on this page was re-read from the scheme pages above on 2026-09-25. Where the Board's own pages disagree — its Benefits-FAQ page still carries superseded amounts for permanent disability, heart surgery, the kidney transplant, the intra-ocular lens and Shramasuwa Rekawarana — this page follows the maintained scheme pages and says so rather than averaging the two. The statutory basis is the Employees' Trust Fund Act No. 46 of 1980, as amended.

This tool covers the benefit schemes and the claims. For a projection of the 3% balance itself, use the ETF calculator; for the 8%/12% retirement fund, the EPF calculator. The Board decides every claim — nothing here is a decision or a promise of payment.