Pag-ibig Fund — How to Claim Death Benefits

Updated February 10, 2015

You can claim death benefits from Pag-ibig Fund only if you’re a legal heir or beneficiary of a Pag-ibig member who has died.

However, you can file a claim if you’re an authorized representative with a Special Power of Attorney (SPA), or a member’s court-appointed administrator or executor.

Pag-ibig death benefits consist of only two:

1. Provident Benefit. The amount of this is equal to the member’s Total Accumulated Values (TAV). TAV is the total of the following:

– all contributions made by the member
– all contributions made by the member’s employers for the member
– all dividends credited by Pag-ibig to the member’s account

Note: Salary loan balances or due housing loan amortizations will be deducted from the TAV.

2. Death benefit. The amount of this benefit is 6,000 pesos. This benefit is less than 6,000 if the TAV total and membership status at the time of death is less than 6,000 pesos.

List of primary legal heirs or beneficiaries:

– Spouse (wife or husband)
– Children, whether legitimate, illegitimate, or legally adopted
– Parents of member

List of secondary legal heirs or beneficiaries:

– Grandparents of member (father’s side and mother’s side)
– Brothers and sisters of member
– Nephews and nieces of member
– Other nearest relatives

Note: For the distribution or sharing of benefits, the intestate succession rules contained in the New Family Code is followed.

 

DOCUMENTS REQUIRED to FILE A DEATH BENEFIT CLAIM:

1. Application for Provident Benefits (APB) Claim (Pag-ibig form)
2. Death Certificate of Pag-ibig member, issued by NSO
3. Notarized Proof of Surviving Legal Heirs (Pag-ibig form)
4. Notarized Affidavit of Guardianship
(if children are 18 years old and younger, or physically/mentally handicapped children)
5. Birth certificates of all children, issued by NSO, if the member has children

6. Marriage certificate, issued by NSO if member is married
7. Birth certificate of member, if claimants are the parents, or if the member has no children

8. Birth certificates of siblings, if the member has no children and parents are already deceased
9. Certificate of No Marriage (CENOMAR), issued by NSO, if member is single
10. Two valid ID cards of claimant
11. Other documents required by Pag-ibig Fund upon filing of claim (Funeral receipt may be required)

Valid IDs:
Passport
Driver’s license
Voter’s ID
Postal ID
SSS ID
Company ID
PRC ID
GSIS e-Card
AFP ID
IBP ID
OWWA ID
OFW ID
SIRB
Seaman’s ID.

You can download the required Pag-ibig claim forms here: PAG-IBIG FORMS

 

WHERE TO FILE YOUR CLAIM:

File your Provident benefit claim at the Pag-ibig Fund branch where the Pag-ibig member or employer has remitted the most or latest contributions. If the member had multiple employers, check if the member’s contributions are already consolidated in the branch where you are filing.

If the legal heirs or beneficiaries are unable to file the Pag-ibig Fund Death Benefit themselves, the claim can be filed by their authorized representative, their appointed court administrator or executor.

Any authorized representative is required to present a Special Power of Attorney (SPA) (Use Pag-ibig Fund SPA Form FCP014), his or her valid IDs, and the valid IDs of the member and beneficiaries.

487 Comments

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  1. By the way they said pagibig had a pending case against the third party insurance firm te reason for the delay is due to that and that the insurance approval process was then being transferred to pagibig.

  2. Hi Cherry, yes, that phone no. is their customer service no. Do you have an acknowledgment stub for the documents that you have submitted? Do you have records of your transactions with them, proving that you have done your part? Maybe next time you go there, ask them “Will this be solved if I go to the office of VP Binay and ask for help?”. I saw a photo with VP Binay and Pag-ibig head Berberabe awarding benefits including title to the heir of a member who died. About the MRI provider, there are news items in Oct and Nov 2014 saying Pag-ibig terminated its contract with its previous MRI provider and held a bidding for a new MRI provider, but I can’t find info on which insurer won the bidding. It was also reported that the new insurer will cover at least 80 million claims which were rejected by the previous insurer, so this means there are many other MRI claims that have not yet been solved. I’m puzzled by this problem as Ms. Berberabe has been touting about the success of Pag-ibig reforms. I hope you have time to share updates here so we can learn from your experience with Pag-ibig

  3. Thanks nora. I dont have ack stub for the documents i have already submitted. But i have our conversations on the mail recorded that they have already approved the insurance. That means i have complied with the submission of the documents they asked. Ill call today the cs hotline u gave me. Do you have any idea of where i can visit the office of the vp?

  4. Hi!my father died last June 15 2014 can I still file my father’s death benefit even though he didn’t contineously contributed the said monthly contribution, and I still didn’t know how much he contributed..can I have an immediate reply as soon as possible?thanks po

  5. Hi Lhen, yes, your family can claim your father’s benefits from Pag-ibig, even if there were gaps in his savings. Go to his Pag-ibig branch with your ID, birth certificate and your father’s death certificate to verify your father’s savings and to get advice from Pag-ibig about claim documents.

  6. Hi Nora. I have called pagibig main branch. They asked for my email address and said that it will be prioritized by the public affairs team. I said the shortcoming are feim the calamba insurance department, that even though the public affairs dept has pinged them several times there is still no reply.

  7. Hi po, i just want to ask if we can still claim the Provident and Death Benefits of my uncle even though he died 7 years ago? I’m in the process of fixing his claims at sss and if it’s possible also his pag-ibig. I hope you can give me a proper response regarding my question. Thanks

  8. Hi Reginald, you can download the SPA form, print it, accomplish it and then have it notarized by a notary public.

  9. Alryt. Thank you so much mam. Then after printing it mam, what am i going to do next?

  10. Hi Reginald, make 5 to 6 copies (at Internet shop), then you fill the blanks (print, black ink), then go to a notary public. Bring your ID and IDs of claimants, in case the one doing the notary is strict. You can find Notary Public desks near schools, near SSS or in your city hall. You’ll pay 150 to 300 pesos. Make tawad.

  11. mrs nora, what if it’s been 10yrs and has not been claimed. I lost the funeral receipt, then when I applied for nso birth cert, there were a lot of errors; the address was written on the birthdate, and it was not fixed. can I still get it? what should I do? thanks

  12. Hi jhoe, do you mean you have not claimed the deceased member’s Provident benefits? Meaning the member’s total savings and dividends? I ask because if you’re claiming only the death benefit, you cannot. The death benefit is claimed together with Provident benefits (meaning the member died without having claimed his savings when he was alive). Since it’s already 10 years, you better go to the deceased member’s Pag-ibig branch with your ID and proof of relationship to the deceased member and ask about how to claim.
    About birth certificate, you can use Joint Affidavit of Two Disinterested Persons

  13. Hi po! I have seen the requirements regarding death benefits and it was written there that it need 2 valid i.d but the i.d that my mother had is postal i.d and philhealth i.d but only postal i.d was listed there. Is philhealth i.d valid? I really need your response as soon as possible. thanks

  14. Thank you very much Mam Nora. For my last question po, how would i be able to track where pag-ibig branch will i go and inquire for my uncle’s death claims?

  15. Hi Reginald, it’s usually the branch nearest the company where your uncle worked for the longest time. You can call Pag-ibig 724-4244. Or you can ask the company where your uncle worked. You can visit the most likely branches and ask.

  16. Alryt thank you so much Mrs Nora. :) Actually, I can’t really track where he worked last. But His records in pag-ibig can be traced, I suppose? Super last, how long will be the processing of the claims? Thank you again.

  17. Hi Reginald, you should research about his employment history because Pag-ibig records are not centralized. If he worked in different cities, his records might have been remitted to different Pag-ibig branches. Yes, you can go to several branches and ask about his records. About processing time: from the time your claim papers are accepted and you’re given an acknowledgment stub, it takes 3 weeks or more. Usually they give you an estimate processing time frame.

  18. Hi Nora,
    Heres the development of my benefits claim under my moms name. We went to pagibig Calamba yesterday. I collated all necessary docs i could bring possible. I looked for the PIC for housing claims and talked to him personally. Right on the spot they were able to process the long been waitig zero Sa from accountings division. They gave me a copy. I was told to come back tuesday next week for the release of all docs necessary to be handed over to batangas branch for the release of the title. I asked for his contact number and will call him first before we drop by on tuesday. I also asked him to call batangas nbranch that they can expect us to come for the title maybe the next day so better prepAre the title. The title will be under the developers name. So once i get it i will need to coordinate with the developer to transfer the title to us which will not take alot since i will be having all docs necessary for that from calamba branch. Seems everything is into place now. Lesson is you need to push them to do their job in order to get results. If i didnt visit them yesterday until now i havent gotten any results yet. I have one question though. My sisters waived all their rights for any pagibig claims to me. They have signed the notarized waiver for that. My question is, when we get the title transferred from the developers name, shall it be under my mother’s name, me and my sisters name or only my name due to the waiver? Btw one of my sisters Is leaving for work abroad this week. Thanks

  19. Hi Cherry, thanks for the helpful info that you shared with us. I’m puzzled that the title is in the name of the developer. The usual procedure is for the title to be transferred to the borrower (your mother) before the loan is finally approved and released. But maybe this is what’s being done under Pag-ibig’s developer-buy-back program, I’m not sure. Sorry I’m not well-informed about buy-back if this is buy-back.
    What I’ve experienced is the one where the title was transferred to the borrower after the loan was approved. The title in the name of the borrower was submitted to Pag-ibig as collateral. So when the loan was fully paid off, the title in the name of the borrower was returned to the borrower. Thanks again for the info.

  20. I’m the eldest of my mother who died recently. She got married twice, but both where annulled. All in all, there are 5 of us, her children. Can only one of us claim her death benefit? Can I claim it just under my name or do I have to do it with my other siblings? Do I need to provide a copy of the annulment papers of both her marriages? Thank you.

  21. Ill clarified that when i talk to all of them next week. As per pagibig calamba he will guve us a document called cancellation of blah blah somwthing like that i forgot. That will serve as our right for the developer to transfer thw title to us. They said its the usual process for loan with a developer. We will see. My concern is would they need participation of all my sisters for the ttle be teansferred? Or my signature and the waiver of rights is enough? Tnx too

  22. Hi GM, all 5 children are beneficiaries, so all of you need to submit documents together in one claim. But you can claim on behalf of the others if your 4 siblings give you a waiver to their right to the benefits (on paper only, and you’ll share later on). Yes, you need to present the annulment papers, as Pag-ibig will ask about your mother’s spouse.

  23. Hi, my father died 2 years ago and was already a senior citizen. I would just like to ask if he can still receive a death benefit claim?

  24. Hi oliver, usually the provident benefit for a member is issued in one check with names of all beneficiaries written as payees in one check, so the beneficiaries will divide the benefit among themselves. Two or more checks are issued if the beneficiaries are expectedly not in good terms, like between a legal family and an illegitimate child.

  25. Hi, what if the member married twice but the second wife and his childrens are the beneficiaries on the record, and he has a son on the first wife, what will the second wife need to claim the death benefits?

  26. Hi rb, did the first wife pass away or was the first marriage annulled? The second wife needs to present her marriage certificate, the birth certificates of her children, and the birth certificate of the first wife’s son. If the second wife refuses to include the claim of the first wife’s son, this son can approach Pag-ibig on what to do (he brings his ID and his birth certificate)

  27. Gudpm. How much can I get for my death claim if there were 3 years of contributions? Thanks

  28. Hi Janice, if the member was employed, most likely the contribution was 200 pesos every month, so we multiply 200 x 36 months = 7200. We add estimated dividends to get a total of 7,800. You also get 6,000 pesos as death benefit, so the estimated total benefit will be 13,800. Please remember that this is only an estimate.

  29. Hi Jinky, go to the Pag-ibig branch nearest the company where your father worked the longest. Bring your ID, your birth cert and your father’s death certificate and ask about your father’s Pag-ibig total accumulated values.

  30. gud day!! the husband of my sister died on march 21, 2015…i just want to ask if i can process the death claim benefits because my sister is an OFW in Dubai…

  31. Hello Nora! Good day! How much is the death claim for my father? he’s died last March 05, 2015, a former PNP for more than 20 years or 25.

  32. Hi Erin, the maximum amount is 6,000 pesos. But you can claim this only if your father has not claimed his Provident benefits from Pag-ibig when he was still alive

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