SSS Death and Funeral Benefits

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What is the death benefit?

It is a cash benefit either in monthly pension or lump sum paid to the beneficiaries of a deceased member.

Who are the beneficiaries of a deceased member?

The primary beneficiaries are the legitimate dependent spouse until the person remarries and the dependent legitimate, legitimated, or legally adopted, and illegitimate children of the member who are not yet 21 years old. In the absence of primary beneficiaries, the dependent parents shall be the secondary beneficiaries. In their absence, any other person designated by the member as beneficiary in the member’s record.

What are the types of death benefits?

They are:

  1. the monthly pension; and
  2. the lump sum amount.

The monthly pension is granted only to the primary beneficiaries of a deceased member who had paid 36 monthly contributions before the semester of death.

The lump sum is the amount granted to the primary beneficiaries of a deceased member who had paid less than 36 monthly contributions before the semester of death. The secondary beneficiaries shall be entitled to a lump sum benefit.

How much is the monthly pension?

The monthly pension depends on the member’s paid contributions, including the credited yeas of service (CYS) and the number of dependent minor children but not to exceed five.

The amount of monthly pension will be the highest of:

  1. the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of 10 years; or
  2. 40 percent of the average monthly salary credit; or
  3. P1,000 if the member had less than 10 credited years of service (CYS); P1,200 if with at least 10 CYS; or P2,400 if with at least 20 CYS. The monthly pension is paid for not less than 60 months.

If the deceased member is survived by legitimate, legitimated, or legally adopted and illegitimate children, how is the monthly pension divided?

If a deceased member is survived by less than five minor legitimate, legitimated, or legally adopted children, the illegitimate minor children will be entitled to 50 percent of the share of the legitimate, legitimated or legally adopted children in the basic pension and 100 percent of the dependents’ pension.

In cases where there are no legitimate, legitimated, or legally adopted children, the illegitimate minor children shall be entitled to 100 percent of the basic pension.

How is the monthly pension paid?

The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program. This became mandatory effective September 1, 1993.

The beneficiary must open a single savings account and must submit to the SSS his saving account number and a photocopy of his passbook upon filing of application. The original passbook must be presented for authentication purposes.

Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing him when to withdraw his benefit from the bank.

How much is the lump sum death benefit?

The primary beneficiaries of a deceased member who has paid less than 36 monthly contributions shall be entitled to lump sum benefit which shall be the higher of:

  • monthly pension times the number of monthly contributions paid prior to the semester of death; or
  • twelve (12) times the monthly pension.
  • The secondary beneficiaries of the deceased member shall be entitled to a lump sum benefit equivalent to:
  • 36 times the monthly pension; if the member has paid at least 36 monthly contributions prior to the semester of death; or
  • monthly pension times the number of monthly contributions paid or twelve (12) times the monthly pension, whichever is higher, if the member has paid less than 36 monthly contributions prior to the semester of death.

Is there anything else a deceased member’s beneficiaries can avail of?

Yes, the deceased member’s beneficiaries are entitled to a 13th month pension payable every December and the funeral benefit, which is paid to whoever, shouldered the funeral expenses of the deceased member.

Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also entitled to hospitalization benefits under PhilHealth. They need to register under PhilHealth and must submit a DDR print-out indicating the type of claim is survivorship in nature and the effectivity date of pension or a copy of Death/Survivorship Certification issued by the SSS indicating the effectivity of the pension shall be submitted to PhilHealth.

Survivorship pensioners under the effectivity of RA 7875 on March 4, 1995 and thereafter, are no longer covered. However, those who wish to avail of PhilHealth benefits may enroll in the Individually – Paying Program (for voluntary/self-employed) or the Indigent Program (IP) of PhilHealth.

If the deceased member has not paid any single contribution, are the beneficiaries still entitled to the death and funeral benefits?

The primary or secondary beneficiaries of a deceased employee-member, who had no contribution payment at all and who was reported for coverage shall be entitled to funeral benefit only.

Are the children of a deceased member entitled to the dependents’ pension?

The dependent legitimate, legitimated, legally adopted or illegitimate children, conceived on or before the date of death of a deceased will each receive a dependents’ pension equivalent to 10 percent of the members’ monthly pension or P250, whichever is higher.

Only five minor children, beginning from the youngest, are entitled to the dependents’ pension. No substitution is allowed.

Where there are more than five (5) legitimate and illegitimate minor children, the legitimate shall be preferred.

For how long will the dependent child receive his pension?

The dependents’ pension stops when the child reaches 21 years old, gets married, gets employed or dies. However, the dependents’ pension is granted for life to children who are over 21 years old, provided they are incapacitated and incapable of self-support due to physical or mental defect which is congenital and acquired during minority.

What is the funeral grant?

A funeral grant of P20,000 (effective September 1, 2000) is given to whoever pays the burial expenses of the deceased member or pensioner.

What are the documents needed in filing death and funeral claims?

For Death claim

  1. Death claim application (SSS DDR-1)
  2. Filers affidavit
  3. DDR Savings Account Form
  4. Passbook (for Pension)
  5. Report of Death (if cause of death is work-connected)
  6. SSS Form CLD 13A (Affidavit for Death Claim, if claimant is a secondary beneficiary)
  7. SSS Form CLD 13 (Joint affidavit, if claimant is a legal heir)
  8. Photo of filer and valid IDs
  9. If married, marriage certificate of the deceased and birth certificates of minor children (duly certified by the Local Civil Registrar)
  10. If single, the deceased member’s birth certificate and marriage certificate of the parents (duly certified by the Local Civil Registrar)

Note: Other papers may be required as they are found to be necessary during the processing of the claim.

For Funeral claim

  1. Claim for Funeral Benefit (SSS Form BPN-103)
  2. Death certificate duly certified by the local Civil Registrar
  3. Receipt of payment issued by the funeral parlor
  4. Affidavit of funeral expenses
  5. Report of Death (if cause of death is work-connected)
  6. Photo of filer and valid IDs

Original or certified true copies of the supporting documents should be presented during the filing of the claim.

Where does the beneficiary file for the funeral or death benefit?

Application forms for funeral/death benefit can be filed at any SSS branch or representative office.

Note:

This information is copied directly from the SSS or Social Security System documents and posted here just to share the information to those who are asking me for this. You need to visit the official website of SSS at www.sss.gov.ph for more official information or visit the the nearest SSS office for any official transactions.

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37 thoughts on “SSS Death and Funeral Benefits”

  1. erlinda manlapig

    inquiring about the status death claim of my husband ROBERTO N. MANLAPIG with the sss# 0334232081 date filed of claim last SEPTEMBER 22, 2009.

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  4. Severino Moreno Jr.

    hi, do my cousin entitled for monthly pension of her mom if her mom has only 6 yrs contribution to sss?what if her father and mother was separated for long time but not legally,did her father still a primary beneficiary?tnx

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  5. May

    Hi, my dad died and my mom during that time was ill and very depressed so she gave an authorization to my sister in law to process the documents for the burial, funeral and pension. It was been succesful but my mom discovered that my sister in law got an interest on the money and was revealed. My sister in law said sorry to my mom but due to rumor she got mad of the incident. When the check was ready for pick up my mom asked my sister in law to go to SSS office and change the name to my moms name. But she said that she will never ever do it because of the rumor and that she will be more evil by now.
    I wonder how my mom will be able to arrange everything and to get what belongs to her. I hope you will give me a reply. Thank you and God Bless.

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  7. Jim

    How can a korean widow (who is residing in korea) transfer her rights to claim the death benefits of her late husband to her filipino sister-in-law? She issued an SPA when she was here in the Philippines to attend her husband’s burial.

    However, the disbursing bank (PNB) would not accept the SPA she issued and requested her to encash the check herself or open an account with them here in the Philippines.

    Can the korean request for an SPA with the Philippine Consul in Seoul?

    Note: The SSS check was already issued and released to her sister-in-law.

    Thanks.

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  10. MARIANNE TOLENTINO

    INQUIRE KO LANG UN SA FUNERAL AT DEATH CLAIM NG LOLO KO CECILIO VIRAY TOLENTINO AT ME PROBLEMA P 2 SSS NUMBER NYA, 0314753946 AT 032244903 HIS BDAY NOVEMBER 22, 1931, 3071 TOLENTINO ST. PINAGKAISAHAN MAKATI

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  11. carol esteban

    I just want to follow-up the status of death claim of my in laws till now wala pa SSS # 0-07778973-6- Willibrordo Esteban filed last august 5,2010 sa Urdaneta Branch for almost 3months na wala pa.

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  14. jennie nati

    nung binata p tatay ko beneficiary nya mga magulang nya e patay n rin yun tapos patay n rin nanay ko ano n po kelangan ko para malipat smin isa n lng kapatid ko minor mag21 sya s april.nalaman ko p n walang middle initial tatay ko yung pinakita ko n baptismal e mali yung spelling imbes n q e k ang nklagay…

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  18. angelina dela cruz ligon

    inquire ko lang po kung anu na result ng deathclaim ng asawa kong si pablo ligon kasi po napakatagal na poh nun weh kumpleto na lahat pero wula pa umg result hanggang ngayon….eto ung sss # 0302062351 pasagot naman….or reply me sa 09129396416…..salamat……..

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  20. Dins

    last april 15 po na release ang death claim na father ko. JOSE CARBAJOSA. NAGTAKA PO KAMI BAKIT 4520 LANG YUNG NATANNGAP NG MAMA KO. GANUN PO BA KALIIT?
    TNX PO. SALAMAT.

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  23. Biemelyn

    ask ko lng po pno if both parents patay na then yung mother eh ngpepension sa father pa,namatay na yung mother may sss din sya pano po kya yun?makakapagpension pa rin po ba yung mga dependents or cut na?

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  24. irene bitancor

    tanung kulang po kung makakakuha ng funeral beneffits ang asawa ko, sa sss ng tatay nya kasi ang nakalagay nya sa benefiary ay ang nanay nya lang eh patay na rin po,makaka pag claim po ba sya…….

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  26. Jainal P. Maningo

    God day po,

    Inquire lang po ako kung kelan po na incash funeral calim check and voucher ng tatay ko Name Mr. Satiago G. Maningo SSS# 03-2558406-5. Kindly reply me at 09183370812. Thank you and more power.

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  27. Jainal P. Maningo

    Gooday po ulit.

    Ask lang po kasi po Namatay ang tatay ko last year Anak po ako sa unang asawa nag tatay ko at namatay nanay ko nung maliit pa ako, may pangalawang asawa sya na kasal din sila. Ngayun yung step mother nagka mental depression di na makausap ng matino di pa po nakuha yung death benefits ng tatay ko namatay po ang tatay ko last April 28, 2010. Nag iisa na po step mother ko mga kapitbahay nalang po nag aabot ng pagkain at pinapadalhan ko nalang po ng perang pangkain. Anu po gagawin ko para maclaim yung benefits ng father ko kulang na po yung budget ko sa family ko. wala na po kasing malapit na kamag anak yung step mother ko. Kindly reply to my cel number 09183370812 Thank you very much hoping for your relpy thank you.

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  28. mhay

    ask ko lang po sir ung sister in law ko kc e namatay sa panganganak …. kasal sya sa brother ko pero d po niya na change ung status niya at beneficiary … makakakuha po ba ng lumpsum ung pamangkin ko and death claim ang brother ko ?

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  29. loullette casilang de guzman

    ask ko lang po if approve na ung lump sum ng papa ko RENATO CAMPOS CASILANG
    [email protected]

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  33. zenaida u sison

    my father died last march 16,2012 he’s been receiving pension for almost ten years we have already claimed his funeral benefits , his wife is already deceased and he has no minor benefeciaries is he still entitled for death benefits?

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  35. Josephine Leal

    I just want to know what steps do I take so I can help my brother claim the death and funeral benefits of his son, Joel Casimiro Leal with SSS #03-974144-34. There is a problem with his middle name, which is supposed to be Casimiro but was written as Casimico; and his birthday is April 1, 1969 but what was written was April 4, 1969. How do we check this so that my brother can claim the benefits. My brother is sickly so I am helping him do the inquiry. Thank you very much.

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