Probably, you’re reading this because someone died in the family. I know it’s hard. It’s emotionally draining, but at the same time, you’ve got to manage several things. You must settle the hospital bills, process the death certificate, get a funeral service, secure a permit for excavation if needed, prepare the lot for interment, consolidate the estate, and claim death benefits from the employer, SSS, and Pag-IBIG. With all the things on your plate, you need someone or something to guide you. Thus, I’ll share my experience claiming a Pag-IBIG death benefit.
Table of Contents
Search for Pertinent Documents
In our family, we don’t keep records in a single place. So when it happened to us, we turned our house upside down, searching for papers. It made us realize the importance of organization. So starting from there, we bought several portfolio folders to organize it and help our family should we face it again.
Preparing Ahead
Sadly, my family can only claim against Pag-IBIG and SSS. I must say that it’s a small amount of money, but we have to move forward. In my case, I assumed most of the responsibilities left by my father. Of course, it’s not that I want it, but because I have to. From there, it made me realize the importance of dividing money into three things: past, present, and future.
The past means that you have to settle your debts and other deficits. The present is for your needs and wants. Lastly, the future is all about saving, investing, and getting a life insurance plan to help the family cope with the financial burdens when the breadwinner is gone.
READ: Sun Maxilink Prime | The Best-Selling Life Insurance from Sun Life
How to Claim Pag-IBIG Death Benefit
I processed the Pag-IBIG death benefit for my father when I returned to work. At that time, I was working in Kapitolyo, Pasig City. I could not afford to skip work, so I looked for the nearest Pag-IBIG branch near my workplace. It so happens that there is one along Shaw Boulevard. I went there at lunchtime, and I was able to get the claim check in three visits.
1. Go to the nearest Pag-IBIG Branch
Firstly, search for the most convenient Pag-IBIG branch in your area. On your first visit, inquire about the member’s total accumulated value (TAV), process, and requirements. So make sure to have a document that contains the Pag-IBIG member ID number for easier verification.
But fret not if you don’t have any. Pag-IBIG can still search it based on the member’s given name. You may ask them about the requirements needed to claim the benefit. But remember that the required documents are different if the member is single, married, has children, etc.
Here are the requirements for filing a Pag-IBIG death benefit:
Requirements
- Application for Provident Benefits (APB) Claim Form
- Death Certificate of the Member issued by PSA or by Local Civil Registry Office (LCRO)
- Notarized Proof of Surviving Legal Heirs
- Certificate of No Marriage (CENOMAR) issued by PSA (if the deceased is single)
- Marriage Contract and Advisory on Marriage issued by PSA (If the deceased member is married)
- Birth Certificate issued by PSA or Baptismal/Confirmation Certificate of all children (If with child/children)
- Notarized Affidavit of Guardianship
- Birth Certificate issued by PSA or Baptismal/Confirmation Certificate of deceased member/claimant
- Notarized Non-availability of Birth Record issued by PSA and Joint Affidavit of Two Disinterested Persons
2. Submit the required documents
Based on my experience, it is easy to claim from Pag-IBIG because they accept baptismal certificates in replacement for PSA copies. They also accept death certificates from the city hall. Did you know it takes about 3 to 6 months to get a PSA copy of a death certificate?
Unlike the SSS, they require a PSA copy of the death certificate.
Submit all the requirements on your second visit. Usually, you can ask them when your check is available, and don’t forget to ask for a phone number.
3. Collect and encash the cheque
Pag-IBIG can process your claim in two days. So go and collect your check on your third visit. If there are several claimants, the money will be divided equally among them. In our case, my siblings and I shared the money. But it’s too much hassle to cash the check separately. Just like what we have done, you can also have the other claimant sign a waiver, so there’s no need for everyone to go to a bank.
And that’s how easy it is to claim a Pag-IBIG death benefit.
Don’t forget to use the money for your past, present, and future. Good luck!
*****
Federico is an electronics engineer, financial blogger, insurance agent, and a certified investment solicitor. A multi-awarded financial advisor with clients ranging from lawyers, doctors, engineers, accountants, business owners, company directors, and OFWs to minimum wage earners had sought advice from him in achieving lifetime financial freedom.
Magkaiba po ba ung burial assistance at lump sum ng SSS at Pag-ibig? Nakuha na po kasi namin ung burial assistance ng papa at kuya ko. Meron pa din po ba kaming makukuhang lumpsum?
Yes, they are different. Pag-IBIG claim are usually smaller than the SSS, as mentioned in the blog. You may go to the nearest branch to ask for the specifics. Thanks 🙂
Paano po sir namatay na po ung asawa q nung may 8 2023 po may burial po b sya makukuha kc po 10 months palang po sya nkakahulog tsaka po cno po ang pwde makuha nito ..pero buhay pa po ang mga mgulang nya …pwde po b aqng ang makuha nitong mga claims nya khit ndi po kmi kasal pero may mga anak po sya at 6 po sila
Sir paano po ba gagawin kung nasa abroad kana tapos na release na yung cheque at gusto mo transfer nalang ng Pag-IBIG sa bank account mo. Anu-ano po ba ang mga steps?
You may use a SPA for legwork.
Sir paano po yung mother ko nmatay nung July 2 at Pag-IBIG member po sya at ako lang ang kasama nya sa buhay. Ano po ang dapat kong gawin?
Albert, our blog is about how you can get started in claiming for the benefits. You may follow our article 🙂
Hello! Tanong ko lang, namatay ang mister ko noong Jan 19, 2023. Member siya ng SSS & Pag-IBIG for more than 10 yrs. Pwede na po ba akong mag process ng kabuang mga benefits?
Yes, for as long as you have all the needed requirements.
Pwede po ba makapag claim Ang common law spouse ng death claim sa Pag-IBIG? Meron po kami anak 17 years old.
Namatay po asawa last March 31, 2021 sa kanyang babae at may anak sila. Ako may 5 kaso may mga asawa na ang mga anak ko isa po siyang sundalo paano po ba mag claim.
Yes po, you may file a claim especially if you are the legal wife.
Ilang contribution dapat para maka-claim ng death benefits?
Even with one contribution, your beneficiaries will still be eligible to claim it. However, it will be a small amount. It may not be worth the hassle to claim the benefit. So go and check with Pag-IBIG how much you’ll get from them.
Namatay po yung papa ko noong April 21,2020. Pwede ko pa bang makuha ang death claims niya sa Pag-ibig?
Ilang buwan po ba ma process ang death claim? Nag-process na po, mag isang buwan na. Bakit wala pa rin akong natatanggap na text.
Well, I received it within a month. If you want to follow up, I think you have to go to your Pag-IBIG branch.
Namatay asawa ko nitong February 8, 2023. Meron po ba akong makukuhang burial kahit nakuha na nya un lumpsum noong nag-60 na sya? At di ko po makita un ID nya sa Pag-IBIG. 71 years old na sya at wala ng trabaho.
If he’s no longer a member, you may not claim the death benefit anymore, given that he got his TAV already.
May burial benefit ba si Pag-IBIG aside from TAV? Thank you very much!
Yes. But it is not as big as SSS.
Papa ko namatay siya ng march 13. 4 months na pwede pa po ba makakuha sa pagibig?
Hi Federico. Nakapagclaim na po si Papa sa Pag-IBIG nya nung nag-60 po sya. Namatay siya noong July 31, 2022. May ma-claim pa po ba yung naiwan nyang beneficiary?
The benefit you can get from Pag-IBIG is savings called TAV (Total Accumulated Value). If your father already got his TAV, there’s nothing left to get.
Namatay na po ang asawa ko kailangan pa po ba talaga ng birth certificate niya sa pag claim po ng burial niya?
You may not present them for the burial claim but you may need them once you process the death claim.
Sir, my husband died eleven years ago. Can I still claim the Pag-IBIG death benefit? Thank you!
Yes, you can claim the TAV.
Hi Federico! Ask ko lang, 3 yrs lang nkapaghulog ang father ko sa Pag-IBIG. Matagal na po siyang hindi nakapag hulog bago siyang nawala. Meron pa ba makukuha ang nanay ko? TIA.
Yes.
Ask ko lng po if ok lang ba na certified true copy ng death certificate ipapasa ko sa Pag-IBIG for the death benefit claim imbis na PSA copy ng death certificate?
Yes, you may submit an LCR copy.
Paano po makukuha ang benefits ng mama ko kasi yung asawa nya patay na po pero nakalagay sa status nya single pa po siya nuon. Kasal na po sila mama ko po. Paano po ang process. Sana matulongan nyo po kami.
Hi, Rosally! For your concerns, please go to the nearest SSS branch. Thanks!
Need pa ba talaga ipa-notaryo yung sa surviving heirs form?
I think you already know the answer to that. But if you want to bargain, ask the branch wherein you are processing the claim if they can allow you with that 🙂
Merong housing loan yung kapatid ko pero bago siya namatay ibinenta na niya ito sa halagan 150k. Meron pa ba ko makukuha parin po ba niya yong hologan niya at burial?
Hello po! Makakapag claim po ba yung anak pag namatay na po ung member ng Pag-IBIG? Anu po mga requirements na dapat i-submit?
The list of possible requirements is indicated above. You may also go to the nearest Pag-IBIG branch for assessment and inquiry.
hi po Sir ask ko lang po kong paano po mag apply ng death benefit claim po sa asawa ko ngayon andito po ako sa abroad my housing loan po kami salamat po
You may get a SPA from the embassy.
Hi, Good day.
Pwede pa po ba ma claim yung death benefits kahit 2016 na po pumanaw ang papa ko?
Yes 🙂
Hi, my stepson died on July 29, 2022, he’s the child of my husband with his woman. He died at home due to hypertension. But my husband cannot claim the burial benefits because, his left eye was totally blind, by internal glaucoma, and also the right side cannot see clearly. We went to a lawyer to apply for a SPA. Can I file the claim for SSS and Pag-IBIG benefits by the name of his son?
Yes, you can process it on behalf of your husband. You just need to secure SPA.
Hi can we use NSO birth certificate instead of PSA for my father death claims?
Hi, Tine! Yes, they are one and the same 🙂
Yung brother in law ko po namatay noong last August 2021, but until now hindi pa po na claim yung death benefits. Namatay siya sa Gapan Nueva ecija, pwede ba dito i-process yong claim sa Southern Leyte, kasi umuwi yong kapated ko sa amin. Maraming salamat po.
Yes, they have a centralized system.
My two aunties are both retired teachers. I just want to ask if entitled to a death benefit sa Pag-IBIG even they are no longer active members meaning they did not pay their contribution after retirement.
As mentioned in the blog, yes, they are entitled to what they call TAV (total accumulated value). It is just the contribution plus dividends it incurred.
Hi Sir, can I ask if you happened to know if children can claim Father’s Pag- Ibig benefits instead of spouse? Meron kaming ina but hindi po namin mahanap. Thank you!
It will be divided amongst children.
Hi Po..ask lang po namatay Po Ang father in law ko last June 18,2022..Maka avail oo ba siya ng death benefits..lgu retired Po siya last 2017 Po…thank you
Hi, Erna. We are not from Pag-IBIG. So you have to check his membership in Pag-IBIG to be sure.
Sabi po 2 to 3 visit maki-claim na yung death benefits. Yung sa akin po ay 1 month na sabi nila ay i-tetext daw. Till now wala pa.
Usually, it takes a month but for some, it may take a little longer, as shared by other commenters. If you want to do a follow-up, you may call them or visit the Pag-IBIG branch.
Gusto ko lang sanang malaman kung pwede po ba kaming mga pamangkin niya ang mag claim ng pag ibig death claim ng aking uncle dahil single po siya at walang anak. Namatay na din po yung isa niyang kapatid at matagal na ding wala ang kanyang mga magulang. Salamat po sa impormasyon.
It will depend if his account is updated. Just to be sure, you may go to the nearest Pag-IBIG branch.
Ang step dad ko po namatay na. May makukuha po ba akong burial sa Pag-IBIG? 2009 ng retired siya from 2009 to 2022 kaya hindi na nahuhulugn ang Pag-IBIG niya.
Yes, if you are legitimated.
Anu po ang mga requirements
Para po sa death benefits po ng member na single po,walang asawa,salamat po…
You have to go to the branch for the exact list of requirements. But to give you an idea, the possible list of requirements is written above.
Good day po..2019 po namatay yong mama ko nagprocess po Ako kaagad Ng death claims nya po.. kaso di po na submit Ng kapatid ko Hanggang Ngayon po.. Tanong ko lng po pwd pa po ba kaming maka claim Ng benefits Ngayon ?
Yes, you may still claim it 🙂
Sir ask ko lang, yung pinsan ko po kase namatay wife nya nung 2016. Pumunta po sya sa Pag-IBIG if may maclaim sya. Ang sabi po doon need daw po nya signatures ng mga kapatid ng wife nya. Kasal po silla pero wala pong anak. Ano po kaya ang pwedeng gawin?
Yes, if they are requiring it then you must comply 🙂
Paano po kaya kung hindi na mahanap yung marriage certificate na naka lagay sa birth certificate ng kanilang anak yung sa church. Wala na kopya? Iniinsist ng Pag-IBIG na kailangan pa din kahit may naka present na din naman na marriage contract yung sa civil wedding?
If they need it, there’s nothing you can do but comply. If you need a copy, you can get it from PSA.
Namatay po asawa ko at may apat na minor kaning anak. Pwede po ba kapatid nya mag claim ayaw nila ibigay sa akin loyalty card ng asawa ko.
No, if you are married and have updated records in Pag-IBIG.
Hi, Federico! Can I ask, if original po ba lahat ng isa-submit na documents?
You may submit photocopies, but bring the original copy to crosscheck if the documents are true copies.
Good day,,
Hello poh..
Im christopher m. parojinog son of late elegarda madriñan parojinog..my mother was died last May 17, 2021 past 1year ago na poh…tanung lang poh…pwd pa poh ba kame maka claim ng funeral benefit ng mother namin sence LGU-retired poh xa…maraming slamat poh
Yes, you may apply for this at any time.
Hello po, tanung ko lang pwede pa ba mag claims ng burial namatay kasi ang brother-in-law ko noong June 17, 2022 pero SSS lang ang naprocess ng kapatid ko. Pwede pa ba makapag claim sa Pag-IBIG?
Yes, Cherry.
My husband died at naka 15 yrs government service. Legal wife po ako at gusto kunin ng mga in-laws ko death claim may 2 sons kmi legitimate legal age at 4 illegitimate legal age. May right po ba akong tanggihan mga in-laws ko? Ano po ba hatian between me and the children?
Hi Federico. Ask ko lang if may makukuha ako death benefit. Namatay kasi si Mama this year. Pamangkin lang ako, sya lang nagpalaki sakin. Ako din nakapirma sa death cert.
To be sure, you may go to the nearest Pag-IBIG branch.
Hi ask ko lang po, tatanggapin ba ng Pag-IBIG ung PSA na medyo malabo at may cut mark ung iba letter at hnd makita yung registry number sa taas?
We cannot say it for sure, but you may try. Anyways, it doesn’t have to be a PSA copy.