How to Claim SSS Death Benefit in 5 Easy Steps

SSS death benefit

Two benefits can be claimed by the beneficiaries of a deceased member i.e., funeral and death benefits. The SSS funeral benefit is paid as a lump sum. On the other hand, the SSS death benefit can be paid as a pension or a lump sum depending on who is claiming and the number of contributions paid before the semester of death. This is a complete guide to help you in claiming the two benefits.

How to Claim the SSS Funeral Benefit

One of the easiest claims you can file in SSS is the funeral benefit. Anyone who paid for the funeral expenses can claim the funeral grant. The benefit ranges from 20,000 to 40,000 depending on the number of contributions paid, the average monthly salary credit, and the submitted receipt.

The formula in computing for the funeral benefit is:

Php 20,000 + (0.005 x Number of Contributions x Average Monthly Salary Credit (AMSC)

SSS Funeral Benefit

You must treat this benefit as a reimbursement kind of benefit.

This is where things can get a little complicated. The maximum benefit you can claim, or should I say reimburse, is equal to what is written on your submitted OR or computed funeral grant, whichever is lower.

For example, if the computed funeral benefit is Php 40,000 using the formula above but the amount indicated on the receipt is Php35,000 then the lower amount is the funeral benefit. So in this example, the claim is only Php 35,000.

This was my mistake when I claimed the funeral benefit. The receipt given to me was only for Php 20,000 because I only made an initial payment. It simply means that I can only claim up to a maximum of Php 20,000 even though I paid almost Php80,000 for the funeral expense alone excluding the lot and interment.

So what are my recommendations?

  • If you don’t need the money, claim this benefit after you fully paid the funeral expenses.
  • If you need it immediately, ask the funeral parlor for a provisional receipt close to the full amount that you need to settle.
  • Don’t be afraid in asking the funeral parlor, they know what to do. Some could even extend help to you.

Here are the steps in claiming the SSS funeral benefit.

1. Go to the nearest SSS branch

Check for the nearest SSS branch in your area and inquire about the list of requirements needed. You may also use this time to ask about the death benefit.

Forms are readily available in the branch. However, you may print them if you want. If you do so, you can file the claim on your first visit. This is because the SSS accepts death certificates duly certified by the Local Civil Registrar’s Office. You can get it from the city hall where you filed the death certificate.

This is a list of requirements:

  • Claim for Funeral Benefit (SSS Form BPN-103)
  • Death certificate duly certified by the Local Civil Registrar
  • Receipt of payment issued by the funeral parlor
  • Affidavit of funeral expenses
  • Report of Death (if the cause of death is work-connected)
  • Photo of the filer and valid IDs
  • Original or certified true copies of the supporting documents should be presented during the filing of the claim.

2. Submit the requirements

You can instantly file the SSS funeral claim if you brought the requirements. Of course, you need to brave the long queue of claimants. Just to set your expectations, It took me about half a day every time I visit the SSS branch. Once you submitted the requirements, make sure to ask when to return and get their phone number too.

3. Claim the cheque

If you prefer to receive it in check, go to the SSS branch on the specified date to claim it. But because SSS is pushing chequeless transactions, payments may not be paid in cheques. If you are an SSS member, you must enroll a disbursement account in a Bank Enrollment Module (BEM) in your My.SSS portal.

Members may enroll in their preferred type of disbursement account such as any PESONet participating bank, e-wallet, or Remittance Transfer Company/Cash Pay-Out (RTC/CPO) like M Lhuillier.

If you are not an SSS member, you must submit a copy of a deposit slip, ATM card, or Bank Certification containing the bank account number, and must be a PESOnet Participating Bank, or an active mobile number for non-bank payments e.g., e-Wallets like Paymaya and RTC/CPO like M Lhuillier.

4. File it online

If you’re comfortable using the technology you can easily file it in the comforts of your home. Just log in to the My.SSS members account. Click the e-services tab and then click the “Submit Funeral Claim Application.” Complete the form and choose how you want to receive the money in the “Disbursement Account Enrollment Module.” Once done, click “Proceed” to validate and for you to upload the required documents. The SSS will send a confirmation email to you once you completed the process.

How to Claim SSS Death Benefit

Now, you’re ready to file the SSS death benefit. But don’t expect it to be a blissful experience just like how you claimed the funeral benefit. Based on my experience, it’s very time-consuming and the requirements are harder to get. You’ll know why in a bit.

So here are the steps in claiming SSS death benefit.

1. Go to the nearest branch

You may skip this part if you previously went to a SSS branch. If not, take this time to ask for the process, requirements, and eligibility to claim. Most of us don’t know that there are four types of beneficiaries and not all of them are eligible.

So this is how you can check who is/are eligible to file the claim.

4 Types of Beneficiaries:

  • The primary beneficiary is the spouse of the member.
  • If there is no spouse or if the spouse remarried, the secondary beneficiary, the parents of the deceased member can claim the benefits.
  • If there are no parents, the assigned beneficiary based on the SSS E-1 record can file the claim.
  • Lastly, if there is no assigned beneficiary, the claim can be filed by the legal heir/s based on the law of succession under the Civil Code of the Philippines.

You must allow at least half of a day in queuing. This is because several claimants lined up even before the branch opens.

2. Get a list of requirements

  • Death claim application (SSS DDR-1)
  • Affidavit of claimant or Filer’s Affidavit
  • Death certificate of the member duly certified by PSA
  • A death certificate of the spouse duly certified by PSA
  • Death certificate of the member’s parent duly certified by PSA
  • Affidavit for Death Benefit Claim (SS Form CLD-1.3A)
  • Affidavit of Legal Heirs (SS Form CLD-1.3)
  • Marriage Contract
  • Marriage Contract of parents
  • Birth/Baptismal Certificate of dependent children
  • Birth/Baptismal Certificate of member
  • A Birth/Baptismal Certificate of the member’s brother(s)/sister(s)
  • Birth/Baptismal Certificate of the minor beneficiary/ies
  • Proof of relationships such as the record of birth, a statement before a court of record, or any document acknowledging the relationship
  • Medical Certificate of incapacitated child/spouse
  • Accident Report/Report of Death (SS Form BPN-105)
  • Application for Guardianship (SS Form CLD-15)
  • Guarantor’s Form (SS Form BPN-107)
  • Joint affidavit of two (2) disinterested persons attesting to the fact, if such is the case, that _________ and _____________are one and the same person, stating therein the correct name.
  • Passbook /ATM card with a name or copy of validated deposit slip (original and photocopy) or Cash Card Enrollment Form, if pension
  • Recent residence certificate of the filer
  • Latest 1 x 1 picture of the claimant
  • Original and photocopy of claimant’s Social Security Card, Passport, PRC Card, Seaman’s Book, Driver’s License, or any two valid Ids, at least one with photo(e.g., Company ID, Senior Citizen’s ID, Police or NBI Clearance, Voter’s ID, etc.)
  • Other documents deemed necessary by the SSS

3. Compile the necessary documents

One of the most challenging parts of claiming the SSS death benefit is completing the required documents. If there are several claimants, you need to compile the supporting documents of each claimant. Also, they only accept death certificates duly certified by PSA which take several months before they will be available in their system.

Aside from the beneficiary, the dependents of the deceased member are also eligible to claim a dependent pension equal to 10% of the monthly pension or Php 250, whichever is higher.

  • Dependents must be below 21 years old unless incapacitated and financially dependent on the deceased member.
  • It can be claimed by up to 5 children starting from the youngest and no substitution will be allowed.
  • Children must be legitimate, legitimated, or legally adopted.
  • If there are less than five legitimate, legitimated, or legally adopted children then the illegitimate child(ren) may also claim to complete the 5 dependents.
  • The dependents must have no work.
  • The dependents must have no spouse.

4. Submit the requirements

In my experience, getting a death certificate from PSA is a headache. I went to the nearest PSA about 3 times before I was able to get it. This is because it took about 3 to 6 months before it will be uploaded on their system.

Mind you, you cannot just ask the PSA if it’s available or not because you have to fall in line each time. Also, you must pay for it every time regardless of whether it’s not yet available.

I just wished someone gave me a heads up.

Now, if you already completed the requirements, you may submit them to the nearest SSS branch in your area. Once submitted, the SSS will hand you a document containing the list of requirements you gave them. They will also tell you when to come back.

During my time, I was asked to go back after a month. Don’t forget to bring a bag of patience and try to smile to brighten up the process.

5. Claim the cheque

Usually, the cheque will be ready in a month after submitting the requirements. Just go to the branch wherein you processed the claim and get your cheque. But to set your expectation they don’t give any computation, summary, or even a breakdown. Even if you ask them, they may not be able to give you one.

If you want to have an idea of how much you may expect to get, the benefit will depend on two things i.e., how many monthly contributions are paid and who is claiming the benefits.

  • If the deceased member has less than 36 monthly contributions, the beneficiary is entitled to get a lump sum benefit. The lump-sum amount is equal to the computed monthly pension times the number of credited monthly contributions. (E.g. the deceased member had paid 35 monthly contributions and the computed monthly pension is Php5,000 then the lump sum will be Php175,000).
  • If the deceased member had more than 36 monthly contributions, the beneficiary may be entitled to a monthly pension.

Note: The computation for the monthly pension is the same as how you compute for the SSS Retirement benefit. Just follow the link for a comprehensive discussion about this topic.

Back in 2015, the only way to claim this benefit is via cheque. Now that they are pushing for a checkless transaction, you may get the SSS death benefit in your preferred PESONet participating bank, e-wallet, or Remittance Transfer Company/Cash Pay-Out (RTC/CPO) like M Lhuillier.

Final Thoughts:

Losing a loved one is never easy from the emotional pain to the financial struggles the bereaved family has to endure. For some, the SSS funeral grant and the death benefit are a ray of hope to start another chapter of their life. Maybe, for the deceased member, it’s the only legacy he can leave to his family.

But regardless of reason, try to immortalize the money that you’ll get from the claim. Don’t forget to settle your debts, buy things that will make you remember your loved one, save, invest for the future, get insured, etc.

I hope this blog helped you!

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156 comments… add one
  • Salvador Abainza Link Reply

    Hi po, namatay po kapatid ng asawa ko na lalaki, pero ang benificiary ay ang isa pa nilang nakatatandang kuya, maari po bang ma claim ng bunsong kapatid na babae ang Death benefit kung bibigyan ng karapatan o authorization ng benificiary ang bunsong kapatid na babae? Hirap na po kasi kumilos ang isa nilang kapatid n syang benificiary.. Salamat po..

  • I want to ask if my son had a 3 iligitimate children but they are beneficiaries too, i am the mother of thier father , i am beneficiary too, wth his father but passed away already so ,socan i ask if who were in title to claim the death claim? Is it me and my grandchildren? My grandchildren are 3 the eldest is a girl aging 18 and the two are boys aging 17 and the youngest is 16 … Sorry this is my ist time to ask this comment, thank you God bless πŸ™

    • If he’s not married, you are the secondary beneficiary. So you may claim the death benefit, and your grandchildren can still get a dependent’s pension. I hope that helps.

  • Cristina Malay Link Reply

    After my father’s death on February 4, 2022, are the claims of death and funeral expired or not this year?

  • Erwin Suan Calderon Link Reply

    hello sir my sister died Last Month she is single at the age of 36
    Question: My Mom gave me a autorization to file a death claim of my late sister
    sss evaluator can accept my mom autorization for filing of death or not ? thanks

    • Yes, you can file it on her behalf. Secure a list of requirements if I will be the one processing the claim. And then I secured a SPA.

  • sm orcullo Link Reply

    naguguluhan kasi kami about sa death claims ni mama . patay na po si papa na dapat siya ang primary benificiary tpos c lola ay patay na den which is secondary benificiary . at ung sino man daw ang itinalagang isinulat sa benificiary ng namatay sa kany records ang sss ay syang benipisyaryo at wala den po kming asawa which is ayun sa mga site na nakita ko ay kpag parehas wala n ung primary at secondary benificiary ay ung mga anak na dapat diba?

    • Yes, as far as I know, you’ll fall under the assigned beneficiary. If there’s no designated beneficiary, the proceeds will go to your father’s estate. Anyways, we can only give our point of view. The best way to deal with it is to ask them why you are not allowed to claim.

      Btw, are your parents married? I guess it is a different story if they aren’t.

  • sm orcullo Link Reply

    ang nanay ko po namatay last sept 10 2022 ,, naclaim na po namin ung funeral benifits nya .. pero sa death claim ni mama ay ndi pa. anak po ako ng namatay . bkit ndi po samin idinerekta ang claims ni mama . patay na po kase si papa ang unang benificiary .. sino po ba ang next na benificiaryo? kase ang sabe ng taga sss is ung magulang ni mama which is si lola ay patay naden .. tpos ang susunod na claimant ay ung mga kapatid ni mama legal heirs ni lola.. bkit hindi po sa aming magkapatid dinirekta ang benifit.?

  • sm orcullo Link Reply

    ang nanay ko po namatay last sept 10 2022 ,, nacalim na po namin ung funeral benifits nya .. pero sa death claim ni mama ay ndi pa. anak po ako ng namatay . bkit ndi po samin idinerekta ang claims ni mama . patay na po kase si papa ang unang benificiary .. sino po ba ang next na benificiaryo?

  • Goodpm sir, tanong ko lang kasi. nakapag submit na kame ng mga documents para sa death claim last nov 28 2022. until now hindi pa din nag rereflect sa atm. mga ilang bwan po kaya yun? and may idea ka po ba kung paano ma compute yun? 360 contribution kasi yun. ayaw kasi mag bigay ng break down yung mga staff sa sss. THANKS ALOT.

    • Hi Mark! You may compute the estimate on the SSS portal or follow the steps in computing the SSS retirement benefits. In my case, it only took a month. But other commenters shared that it took them several months. If you think that it’s getting long, you may follow up with the branch you filed the claim.

      • Sarah Link Reply

        Magandang araw po, Sir. Ako po ang nilagay ng tita ko na beneficiary niya. Ang tita ko po ay walang asawa at walang anak. Binigyan ko po ng authorization ang kapatid niya na i claim ang death benefits. Siya rin po ba ang makakapag encash ng cheke o maiilagay po ba sa pangalan niya ang cheke na galing sa sss? Salamat po sa sagot.

        • In your case, you should be the one eligible to claim because you are the assigned beneficiary. You may check and confirm with SSS.

  • Yeonjun Link Reply

    Pwede ba makuha yung death benefit maski di magfile ng funeral claim? or dapat funeral muna bago death benefit?

  • Maryann Link Reply

    Sir ilang months po ang aantayin once submitted na lahat ng requirements para sa pension.

    My husband died June 2021 and filed my pension this Jan 2023 ilang months po kaya antayin kasi babalik na din po ako soon sa abroad I’m an OFW.

    Thanks in advanced.

  • Fona Link Reply

    Namatay ang father ko last 2018. Meron natira pang pension, kapatid ko lang ang pwede mag-asikaso kaso nasa abroad sya. Now lang nya maasikaso kc pauwi na siya pinas. Ano po ang kailngan requirements? Patay na rin po pala ang mother ko.

    • It’s actually included in the article. You may check it again. But if you want the exact list, then you need to go to an SSS branch to get it.

  • Ailyn Link Reply

    Hi Sir, magkano po ba kung sakali ang lumpsum na makukuha if 310 contributions po ang total na hulog ng papa ko, namatay po sya at the age of 61 pero di sya nakapagfile ng retirement pension, estimated nasa 3600 po ang monthly pension nya

    • Hi, Ailyn! Lumpsum is only available for those with less than 120 contributions. In this case, your mom will survive the pension.

      • Jairy Faith Calipes Link Reply

        Hi Federico! Pwede na po ba PSA copy ng birth certificate ng namatay ang ipasa kesa sa LCR certified true copy?

  • letty Link Reply

    Hi, okay lang ba nag file ng death benefit claim online?

    • Yes, you can file it online πŸ™‚

      • Aim Ramos Link Reply

        45 years old n ako pwede k p b makuha yung death benefits ng mother ko kahit nakuha ko n yung sa burial nya. Patay na po father ko 2 lng km magkapatid at ako ang bunso at ako din yung benificiary ny. Thank you

        • Hi Aim! You should have asked the SSS about it when you filed for the burial claim. Anyways, you may still check it with them to be sure because it will depend on how many contributions are made and if she did get her pension while still living. Thanks πŸ™‚

  • Eden Link Reply

    Very informative and helpful. Thank you.

    • Thank you πŸ™‚

      • Aim Ramos Link Reply

        As i mentioned earlier po hindi po sss pentioner yung mom ko maaga lng po sy naka pag file ng dissability dahil maaga po sy na diagnose na meron sakit sa puso.
        Makaka kuha parin ba ako ng death benefits nya.

  • Robie Link Reply

    Hi maam/sir tanong ko lng po..yung live in ko po namatay nah my 3 anak kmi..ako din po yung nag claim ng funeral claim nya..tanong ko lng po kung ako parin po ba pweding mag process ulit?at ano2x po yung requirements na dapat ko pong dalhin??pls reply po..salamat and god bless❀️❀️❀️

    • Yes, you may claim the death benefit. The possible requirements are listed above. You may go to the nearest SSS branch to get the actual requirements.

      • Ranilo Link Reply

        My dad died at 91 y.o. my mom is still alive and is 88y.o wd dementia. Question on deatch claim:
        1. Is the death certificate of my dad’s parent still needed when they have died long, long, long time ago?
        2. With my mom’s condition, who can file for the claim?

  • Cristina Malay Link Reply

    1). My aunt has paid the fee of creamation of my decreased father. My mother has paid the fees of interment and food catering. Can I as claimant apply for funeral benefit claim?

    2). Regarding as death benefit claim, my father was SSS member but his retirement claim application was rejected because the certification portion was not accomplished by last emplyer. So can I not apply for death benefit claim?

    3). Is death report the same as death certificate?

    • 1. For the funeral claim, the claimant should be the one who paid the funeral expenses like the funeral home.
      2. You may still file a claim.
      3. Death certificate should come from PSA.

      I hope it helps πŸ™‚

  • Ligaya Dotimas Link Reply

    Ilang months po ba bago ma-receive po ung lumpsum?

  • Jane DeLiso Link Reply

    If po namatay si Lola, ilang months po ang allowed leeway para iclaim ang death benefit ? it has been almost 2 months na po. Isa pa pong tanong, di ba may ATM sila? what if na withdraw yung laman nang ATM nila, tapos nag claim nang benefit – ibabawas po ba yun?

    • The claim has no expiry. As for your second question, I think SSS will be the best to ask.

      • Nida A. Baturi Link Reply

        Hi sir. Tanong ko lng po. What if iba po Yung birthday na nakalagay sa sss sa mga documents nya. Sa mga I’d po nya 1946 xa ipinanganak. Sa sss po 1947.paano ko po maiclaim Ang mga benefit nya. Thanks po

  • ELSIE GUDEZ DIEGO Link Reply

    Good Afternoon, tatlo po kami magkakapatid pero di kami naupdate as benifeciary ng mother ko before mamatay? ok lang po kahit yong isang anak or yong dalawa na lang ang mag update as beneficiary kasi andito po ako manila yong isang kapatid ko kc ang naglalakad ok lang po kaya yun kahit dina nya ako isama sa beneficiary ng mother ko sila nalang sana kasi beneficiary na ako ng asawa ko.

    • We don’t think it’s possible. However, you may just give your portion to your siblings.

      • Cris Infante Link Reply

        Pwede po bang anak ang mag-claim ng death benefit?

        • What do you mean? You will be representing your parent or are you asking if children are eligible to claim? Either way, please refer to the different types of beneficiaries we shared above. Thanks πŸ™‚

      • Magandang araw po. Namatay yong father ko last July 2022, may pension po siya galing sa mother namin kasi surviving spouse ang father ko. Mayroon din siyang sariling pension na kanya kasi retired na rin sya. Hindi pa namin na claim ang death benefits at funeral benefits niya kasi dahil sa mga requirements. Hanggang kailan pwedeng ma claim ang mga funeral at death benefits? Mapuputol narin ba ang pensions? Or ma continue pa ba. Thank you po

        • You may claim the benefits at any time. When it comes to survivorship, you may ask the SSS as to what will happen to their pension. Because it will depend if they still have minor children and how many months of pension are paid.

  • Cherryll Suson Link Reply

    good pm po… my husband died a few months back . we do not have minor children and although we were separated neither one of us remarried. I was told he has contributed for 43 months…so does that mean i could not get the lump sum of his death benefit?
    another question po… if and when I die and like i said we do not have minor children, my children cannot get anything from my more than 3oyears of contribution?
    Thank you for taking time to answer my queries…

  • Anna Liporad Link Reply

    I would like to ask, who usually fills up the Fillers Affidavit? Because my mom is the claimant but my brother is the one who pays for the burial of my father.

    • A funeral claim and a death claim are two different claims. Your brother can file for the funeral claim, and your mom for the death claim.

  • Regina Cruz Link Reply

    Hello! Ask ko lang po about sa funeral benefit ng father ko actually nabigyan na po kami ng stub, kasi po gusto ko po i-check kung this week may makukuha na po ba kami kasi halos 1 week na po kami naghihintay. Salamat!

    • We can’t say that for sure, but you can go to the SSS branch for a follow-up or call them πŸ™‚

      • Hi, Federico. My mother died July 18, 2021 due to Covid, and was cremated. And I was able to finish her death certificate just this Month. Is it possible to get death benefits even though she died last year and the death certificate is from the city hall, not the PSA because it’s not yet in their system (based on your story, I think we’re the same na matagal ma upload sa system). Thank you

        • Hi, Ivylyn. I just wish it is allowed. However, as mentioned, they only accept PSA copies if you processing the death claim. Don’t worry, you can claim this amount at any time πŸ™‚

  • Cristina Malay Link Reply

    Good day! Let you know that I’m Deaf. About funeral claim of my decreased father, I’m confused about who are me or two claimants. The first claimant is my aunt, eldest sister of my father. Her name is put on the receipt of cremation fee in where she and I shared together to pay. The second claimant is my mother who is divorced. Her name is put on the receipts for increment and food. They are non SSS members but I’m SSS member. Can I apply for SSS funeral claim?

    • In claiming, it doesn’t matter if you’re a member or not. The receipt is needed to file a claim. Maybe you can talk with your aunt regarding the distribution of the proceeds.

  • Maria Clachina Link Reply

    Namatay po kapatid ko nung pandemic, nag-try ako mag apply ng funeral pero na-reject. Anyway, (since before yearly ang ACOP, at ngayon, tinigil na nila.) ang alam ko kung hindi mag-submit ng ACOP, automatic STOP na pension. Ang gagawin ko para ma-stop yun pension ng kapatid kong namatay. Kasi meron pa din binibigay ang SSS sa kanya.

  • Idielyn Link Reply

    Hi Federico, would like to ask if pwede po ba sabay yung application for funeral claim & Death claim? O need na Funeral first before the Death Claim?

    As far as I know magka-iba daw yang dalawa?

    • Yes, if you have all the required documents. However, it takes a few months before you can get a PSA copy of the death cert (as mentioned above).

    • Adrian Link Reply

      My filipino born mother is a german citizen when she died but she has been a SSS member for almost 20yrs. She died 63 and she mentioned that at 60 she should have started her pension but wasnt able to process it since she was abroad. My question is can i still file a claim for her death and funeral claim? Also her death certificate is in german how do i inform PSA so she has a record? Do SSS need the members #, as I am not sure if we have it.

      • Hi Adrian! You may file the death claim anytime, but it is best to do it soon after the demise. Then you may inform the nearest embassy about her death.

  • Maureen Link Reply

    Hi Federico, ask ko lang yung death certificate na nasa akin ngayon ay from LCR do I still need a copy from PSA para maka file ng death claims? And one more noong nagbayad ng cremation ng husband ko ay yung bayaw ko pero akin ang pera pero because di nga ako makagalaw pa ng mga oras na yun siya n pinag-asikaso ko lahat. Paano po ‘yon need ba siya mag-claim o ako pwede rin kahit siya nakapirma sa resibo.

    • Hi, Maureen! Yes, a PSA copy is a must. For your second question, the funeral grant can only be claimed by whoever paid the last expenses. Although you technically shelled out the money, the proof is needed to establish a claim. So, it is your BIL who should file it, but you can also do it on his behalf by securing a SPA.

  • Janella Link Reply

    Ask ko lang po, ok lang po ba mag provide ng baptismal instead of original birth certificate? Nawala na po kasi ung original birth cert ng tito ko. Pero hinihingan pa din daw sila ng original na birth cert kahit may other requirements naman po sila na maprovide. Thanks po!

    • Hi, Janella! As mentioned, they need the PSA copy to process your claim. Sadly, there’s nothing much we can do but comply, or else they will not process it. So get a PSA copy first.

  • Shirly Agad Link Reply

    Hello po Sir! Tanong ko lang po tungkol sa papa ko po na mag 4yrs na ngayong December 2022, siya po Yung member pero mas nauna pang pumanaw mama ko. 9 anak nya kaso lahat ay may asawa na. Yung eldest po namin ng process. Funeral lang na claim nmin kasi sabi ng SSS daw yun lang ang benefits na makukuha naming mgkakapatid kasi legal age na daw kami lahat, ganun po ba yun? Wala na ba kaming matatanggap na death claim? Sabi din daw nila kapag pensioner na wala na raw funeral nalng matatanggap. Nakakadisappoint kasi sa amin noon walang wala kami tapos ganon pala?

    • Hi, Shirley. As far as we know, a pension can only be survived by a spouse or a minor. Because your father is already a pensioner, your mom died before your father, and there’s no minor child/ren to survive the pension, which is why you can only claim the funeral grant.

  • Jeff Link Reply

    Hi Federico. Itatanong ko lang po sana kung paano po kaya kung nagkaroon po ng kinakasama ang tatay ko bago po sya namatay, beneficiary din po ba sya? Salamat po!

    • It depends if your father was never married before. To be sure, check it with the nearest SSS branch.

      • Ghie Link Reply

        Good day po Sir! Mag-claim po ako ng Death Claim ng husband ko po namatay lang po last year. Lahat po ba ng requirements na nakalagay po diyan is need na meron po lahat at need po ba sa PSA po lahat kukunin?

        • Hi Ghie! I listed all the possible requirements, but in actual you don’t have to secure all the documents indicated. Please go to the nearest SSS branch to get a list of requirements as it may differ for each claimant. Thanks πŸ™‚

      • Hi po sir, tanong ko lang po,

        namatay po yung ka live in ko po at may anak po kami na 5yrs old, pwede po ba na ako yung mag file ng sss death claim nya kahit hindi po kami kasal? At mag kaka pension po ba ang anak ko kahit, 80 contribution lang sya?

        • Hi, Jean. They allow common-law spouses provided that both of you are not married to someone else. YOu may check it with the SSS branch near you.

  • Maria Aquino Link Reply

    Good day! May marereceive po ba muna na email from sss or text messages just to know na ready na po ang death claim? Salamat

    • Before they used to send snail mail, now, they send notifications thru SMS.

    • Arlene Moreno Link Reply

      Hi po, ask lng po, kmi po ang unang pamilya, pero ang pinakasalan ng tatay ko ay ang second wife nya, now po nmnatay tatay ko, ang nakalagay sa sss benefeciaries nya ay ang nanay ko which is hnd cla kasal, pwede po kaya maclaim ng nanay ko ung death benefits ng tatay ko kahit hnd cla kasal?

      • Hi Arlene! There are 4 types of beneficiaries. The primary beneficiary is still the spouse. If you proceed, SSS may require you to submit CENOMAR to check their civil status, which you may not be able to provide because your father is already legally married.

  • Adonna Aurea Link Reply

    Good day po ask ko lang po if maclaim ko pa ang burial benefits ng anak ko 2018 po siya namatay at di ako ready ayusin ang sss niya its been 4 years may makukuha pa po ba ako?😭

    • You may check it with SSS, Adonna. As mentioned by SSS, there is no expiration of the death claim. Thanks!

      • Liza Juan Link Reply

        Please help!
        Totaly blind po ang mother ko both eye sigth (PWD), sya po ang benificiary ng father ko na namatay 3yrs from now,
        Di po kami makapag open ng bank account for ITF
        anu ano po bang bangko ang tumatanggap ng ITF for sss death benificiary claimant.
        Thanks!

        • Hi Liza. Apologies, I cannot answer your inquiry as we are not from SSS. Please kindly check it with them. Thanks πŸ™‚

  • Ryan Link Reply

    Sir yung Funeral Benefit claim po ba may deadline or nag-eexpire kung matagal nang di na file?

    Dun sa Death Benefit naman ang daming requirements pero oonti-ontiin ko rin yun kasi sayang din naman yung nacontribute ni mama…

    Pero miss ko na rin talaga sya πŸ™

    • Hi, Ryan, I bet you really missed her πŸ™‚

      There’s no expiration date when claiming this benefit. And it really takes a lot of legwork.

  • Cristeta Eileen Moreno Link Reply

    I completed all the requirements last Aug. 1, 2022, for a death claim and the sss staff told me to wait for 3wks-1mo. for result. will it really take a month to wait?

    • Normally, it takes a month but for some, it may take even longer.

    • Ronimo Darang Link Reply

      Magpa-file ako ng SSS death claim ng brother ko. Kaso wala ako SSS no. nya pero alam ko na member sya ng SSS ky nakapag work sya ng 3 private companies. . Mapa-process ba ang claim ko. Patay narin mga magulang namin. mga kapatid ko ay mga babae, ako at ang namatay kung brother ang lalaki.

  • Bella Demalata Link Reply

    How to claim the SSS benefits of my spouse?

    • You may follow the steps above πŸ™‚

    • Ma. Teresa Bolquerin Link Reply

      Paano kung ang deceased SSS pensioner nakapag update ng E4 beneficiaries at inilagay nya ang second wife nya as wife, makakapag claim pa rin ba ang first wife na nasa abroad maski nakapangasawa na ng foreigner sa ibang bansa?

      • As mentioned above, the spouse of the deceased member is the primary beneficiary. However, the benefit ends when the spouse remarries or dies. So in this case, the first wife may no longer be eligible for the claim.

  • vele Link Reply

    losing my father was never easy and is still painful up until today. thank you wiseguy for helping us out. indeed all the information has been helpful

  • Jel Link Reply

    Tanong ko lang po sana kung pwede ipasa ang ctc copy ng death cert at marriage cert ng magulang para po sa death claim ? Maraming Salamat po

    • Btw, we have stressed above that you have to submit a PSA copy. Sadly for us, we have to comply.

      • Jeffrey G. Cabatingan Jr Link Reply

        Lima po kami na benefeciary ni lola ko na namatay na, nagka usap po kami, kung pwede ba na sa aking nalang i-account lahat kasi hindi na sila maka proccess nang requirements due to busy sa work walang time. Pwede kaya po yun? Na sa akin nalang lahat i-account, mag special power of attorney nalang tapos pirma nalang yung iba sa SPA?

      • Ask ko lang paano maclaim yung sa tatay ko dahil kulang yung SSS number niya. Nanduon naman yung name niya sa system.

        • If you are already in the SSS, you may ask them as to how you can claim it. They may not be as friendly, same with other gov offices, but be intentional and prepared whenever you go there. As mentioned, we are not from SSS. So the best thing to do is go there and ask all the pertinent questions.

  • Elaine Link Reply

    Hi! How do I know po if approved na po ‘yung Death Claim Application? Kasi po nagpasa po ‘yung mama ko ng requirements para sa Death Claim last February po. Until now, wala pa rin pong update. Thank you in advance πŸ™‚

  • Maria Carmela Santos Link Reply

    Hello po, regarding po sa requirements na kung saan kailangn ng sinumpaang salaysay. kailangan po ba ay may nakaharap na judge dito, at may nakapirma ding judge, katunayan na ako ay nanumpa na tama ang mga peprs an binibigay ko?

  • Ynnel Link Reply

    Ask lang po funeral expenses total is 38,000 ang na claim lang namin os 20k+ ganoon lang po ba talaga ang amount na ma-claim? Thanks po πŸ™‚

    • As mentioned above, you will get the lesser amount between the actual expenses (OR) and the computed grant.

  • Ralph Constantino Link Reply

    After po makatanggap ng lumpsum ng mother ko. Kelan po sya makakatanggap ng monthly pension? More than 36 months po ang naging contribution ng father ko.

    • Lumpsum is only given to the beneficiary/ies of the deceased member with less than 36 months of contributions prior to the semester of death.

  • Hello po.tanong ko lang po.dalawa po sila magkakapatid tapos patay na mama nila and sila yung beneficiaries.tanong ko po. Pwede po ba na ang isa ang magpapatuloy mag process ng DEATH CLAIMS NG MAMA NILA.kasi sa Burial is yung isang YOUNGEST ANG NAG PROCESS EH TAPOS NA CLAIM NA NILA.ang itong eldest kasi gusto nya sya magpapatuloy magprocess kasi parang tinamad yung youngest na magprocess. At sa burial na na claim nila is nakapangalan lahat ng finil upan duon sa youngest.

  • Ricardo Dela Cruz Jr Link Reply

    Hello. Pano po gagawin kapag na-receive ko na yung approval ng disbursement account ko sa e-mail? For funeral claim po ito. Pano po makukuha yung pera?

    • You may get the SSS death benefit in your preferred PESONet participating bank, e-wallet, or Remittance Transfer Company/Cash Pay-Out (RTC/CPO) like M Lhuillier.

      • Jhonabelle Link Reply

        Hi Sir Federico! Paano kung sa SSS ng papa ko Lola ko at Tito ko nakalagay sa beneficiary nya then parehas na po patay si Tito at Lola pwede bang anak Ang mag claim? Kaso 14years na syang patay, di namin na asikaso kasi wala naman kaming alam pa sa mga ganito nung bata pa.

    • Ricky Boy Paltinca Link Reply

      My aunt died at the age of 83, 2 months ago wala po syang anak kami ng nanay ko kasama nya sa bahay magkapatid sila ng nanay ko at meron pa isang kapatid na madre meron pa po bang death benefits na makukuha at sino po pwedeng kumuha? Last question po a month after nag submit ng for funeral and death bakit meron pang pumapasok na pension sa account ng namatay kong tita? Diba dapat tumigil na yun? Thank you!

      • Based on SSS IRR, primary and secondary beneficiaries can file the claim. When it comes to the pension, many commenters shared the same thing. You may go to the SSS for the cessation of pension.

  • Faye Link Reply

    Hello po ask ko lang pano malaman if may SSS yung deceased, not sure kasi kung meron

    • You may go to the nearest SSS branch to have it checked.

      • Judy Barbosa Link Reply

        Hi po ask ko lang sir totoo ba nawala ng death claim na makukuha ang naiwang mga anak o apo kasi wala ng wife at minor na anak .

  • Romel Trovela Link Reply

    Ask ko lang Po Kelan Ang start ng monthly pension ng benificiary after ng approved Mula sa sss. Tnx po

    • According to SSS, pension is credited on the 1st day of the month if contingency falls from the 1st day to the 15th day of the month. And 16th of the month, if contingency falls from 16th to the last day of the month.

  • Jerome Picut Villahermosa Link Reply

    Hi sir, I just received the email notif. na approved na funeral benefit ko, tanong ko when is the exact time to apply for death benefit? salamat mo sa sagot

    • You may apply at any time. But make sure you have all the required documents so you can have a smoother transaction πŸ™‚

      • 11 yrs. n po nming di n process ang SSS ng byenan q ksi yong dlawanf benefiary nya ay yong dlawang pmangkin tpos di n change status hnggang s nkamatyan nlng ngaun sbi ng SSS smin need nla yong Authorization ng dlawang pmangkin at photo copy ng valid i.d pra sya n mgclaim ng death claim lumpsum ng byenan q s tgal ng pnahon mku2ha p nmin b yon?

        • Yes, the fact that they have given you the list of requirements means it’s claimable. According to SSS, death benefits do not expire.

        • Chris Link Reply

          Hello Sir, ask ko Lang po paano makuha ang contribution Ng Lolo ko sa SSS. Kung Yung asawa niya ay matagal ng nawawala hanggang ngayon. Di malaman Kung patay na or buhay pa po. Pwede po ba mag claim ang secondary beneficiary (apo)?

          • It’s something you have to check with SSS remember, there is a classification of beneficiaries. You can also go to PSA to have it checked.

      • Janine Link Reply

        Hello! May I ask po pwede po bang sa ibang SSS branch mag file ng death claim kahit nagkapag-file na ng funeral claim sa ibang branch?

    • Rachel Kyla De Guzman Link Reply

      Gandang gabi po sr..
      Tanong ko lang po.
      Sino po ang ilalagay s claimant if ang namatay po ay may anak n 20 yrs.old pero hnd po sya kasal s asawa.. at meron p po syang nanay. Wala po bang makukuha ang anak n 20 yrs. Old..slmt po

      • As mentioned, there are four types of beneficiaries. The primary beneficiary is the spouse of the deceased member.

  • Lui Teodoro Link Reply

    Is the primary beneficiary (wife) also entitled to a funeral claim when she dies? Thanks in advance.

  • chona Link Reply

    Hello, want to help lng po sa kakilala ko na mag claim ng death Benefit Claim ng Tatay nila, kaya lng parang ang hirap nman po pla , now plang po ulit sana mag aasikaso tapos may work pa po kmi wala po tlaga masyado time, last month umabsent ako para makakuha ng Cenomar ng Father po nila, yon nlng dw po ang kulang hahha kaso ang dami pa po pla…5 years mahigit na po na patay father nila dipo tlga na aasikaso, totoo po ba na pinaka panganay ang beneficiary? kc lahat po sila legal age na,,any advise po sana sir please po!

    • If ayun yung advise sainyo ni SSS. Just follow it, pati yung requirements na needed. Sobrang time consuming talaga ang pag process ng death claim kaya need mo mag allot ng time. If in doubt ka, you may visit the SSS branch and get another list of requirements para tama yung documents na ipapasa mo.

      • Mar Link Reply

        Ano -ano po ba ang requirements na kailangan ng primary benefeciary(wife) for death claim

        • It may be a combination of the requirements listed above. To be sure, you may go to the nearest SSS branch in your area.

  • Gina Gutierrez Link Reply

    5 mos na since I filed my application for death claim pero hanggang ngayon wala pa din laman atm,,hindi nman aq mkapunta sa sss branch na yun kc sabi taga proseso lang dw cla..saan kaya aq pwede magfollow up..? Thank u

    • Matagal nga po ang 5 months. Actually, dapat sa kanila kayo humihingi ng update. Surprisingly, may mga iba na mabilis lang ang process. Balik lang kayo sa branch πŸ™‚

  • Klara Link Reply

    If bennificiary is out of the country,can she/he make a waiver to receive the benefits?

    • You can have someone process this on your behalf. You may check with SSS and the nearest embassy about how you can have a SPA.

      • Melo Asuncion Link Reply

        Sir ask ko lang po anong next po tapos napo kasing na CI si mother ko about sa death claim na nilakad namin anong susunod po dun? Ma-credit na po ba sa bank account no mother ko yung pension nila at kasama rin po ba yung 5 years na lumipas na ndi namin nailakad agad. Thank you!

      • Yolly Ignacio Link Reply

        Halimbawa Po bang single ang member tapos namatay sya at yong beneficiary ay mga pamangkin nya (minor) can they claim SSS death benefits nag Tito nila?

        • They must be assigned as beneficiaries. Thus, you must update your record, or else the benefits will be payable to your estate.

    • Kian Link Reply

      Pag pina check po ba ang sss nong namatay sa nearest branch ano po ang step na gagawin? Makikita din po ba doon yung mga contribution saka hulog and magkano ang makukuhang lumpsum and yung montly na makukuha den sir?

      • Yes, they have records of contribution. With regard to the claim, it’s either lumpsum or pension depending on the number of contributions made.

        • Amelia Mananguite Link Reply

          Namatay po ang manugang ko at may anak siyang isang anak na 7yo. Ang bilin nya kung mamamatay siya, may pension daw na makukuha ang bata. Ano po ang requirements? Salamat po sa makakasagot.

          • Yes, her daughter is eligible to receive a dependent pension. As for the requirements, you may be asked for legal guardianship. You may ask the nearest SSS branch in your are for the complete list of requirements. Thanks!

        • Ram Link Reply

          You are indeed a huge help to us minions for freely giving your time to claimants undergoing the oh so daunting Death claims rigmarole, much thanks.
          Any possibility of subsequently getting the PSA to convert an overseas Death Certificate to a legitimate local one usable for an SSS Death Claim? I’m sure you’ll advise me – deal with SSS but I still would like my one cent worth query heard. Thanks Mr Wise Guy, more power to you!

          • Thanks, Ram for your kind words. You know, I try to answer every question, but most of them are already answered in the comment section. It’s why I either reply to visit a SSS branch or check the comment section.

            As to answer your question, I can only share based on my experience. But as I remember, you can report it to the nearest Philippine consulate πŸ™‚

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