Tax on PF withdrawal

I retired from a PSU at the age of 60 yrs and withdrew my entire PF then (that was maintained by Trust). After four months of my retirement from PSU in 2013, I joined a private firm in regular role and retired from this company after attaining age of 62 in July 2015, as per policy of this private organization. I am continuing to work in this private organization as an individual consultant and may do so for another six months before I hang up my boots. During my tenure in this private organization , I had EPF and also made significant VPF till my retirement in July 2015. My EPF account was for only 20 months and contribution seized with my retirement in July 2015. Now with my retirement , I have asked for full settlement from EPFO. My question is - Will the settlement amount be taxable? If it is taxable , then what be the tax deduction ( I mean should EPFO deduct 10% TDS flat on entire amount which also includes my contribution as well as VPF which otherwise should never be taxable. ) Or settlement amount should not be taxed at all as I have claimed for settlement after being retired at age of 62 yrs as per the policy of the organization which beyond my control and I am already senior citizen . Would appreciate your opinion on this