How to Easily File a Pag-IBIG Death Benefit Claim?

how to file pagibig death claim

Latest Update: June 22, 2024

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, SSSPag-IBIG, and from life insurance companies like Sun Life.

With all the things on your plate, you need someone or something to guide you.

With that, I’ll share my experience of claiming a Pag-IBIG death benefit.

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 our documents to help our family in the future 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 still, it’s a great help 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 savinginvesting, 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 Pag-IBIG document to show 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. Don’t forget to ask them about the requirements needed to claim the benefit.

Just remember that the requirements are different if the member is single, married, has children, etc.

Here are the requirements for filing a Pag-IBIG death benefit:

pag-ibig death benefit requirements

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’s fairly 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. It’s hard to get PSA death certificates. It normally takes 3 to 6 months. Unlike the death claim in SSS, they require a PSA copy of the death certificate, which means it will take several months before you can get the claim.

Submit all the requirements on your second visit to Pag-IBIG. Then ask them when you can claim the check and get a phone number you can call to check if the claim is ready.

3. Collect and encash the check

Pag-IBIG can process your claim in two days. So go and collect your check on your third visit. If there are several beneficiaries, 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 the bank.

And that’s how easy it is to claim a Pag-IBIG death benefit.

Conclusion:

In the comment section, many seem surprised that they can claim a death benefit from Pag-IBIG. Most of us only know about the SSS death benefit.

However, if you are expecting it to be a big lump sum, just like what you were able to get from SSS, you may be disappointed.

The amount you’ll get is the total contribution, pegged at P400/month, plus dividends earned. This is because Pag-IBIG offers a savings program, while SSS is social security.

While the amount may not be large, it will surely help your family.

Once you get the Pag-IBIG death benefit, don’t forget to use the money for your past, present, and future. Good luck!

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82 thoughts on “How to Easily File a Pag-IBIG Death Benefit Claim?

  1. 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?

  2. 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

  3. 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?

      1. 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?

  4. 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?

  5. 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.

    1. 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.

      1. Namatay po yung papa ko noong April 21,2020. Pwede ko pa bang makuha ang death claims niya sa Pag-ibig?

    2. 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.

        1. 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.

  6. 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?

      1. 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?

  7. 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.

        1. 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?

  8. 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?

  9. 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?

      1. 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.

          1. 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.

      2. 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!

  10. 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

      1. 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.

          1. 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.

  11. 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.