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.



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:
Driver’s license
Voter’s ID
Postal ID
Company ID
GSIS e-Card
Seaman’s ID.

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



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.


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  1. Hello po. I have a question po! My sibling and mother got my father’s provident and burial claim. They said I can’t get my claim unless I file my claim as I’m abroad. Can I use power of attorney so I can get mine? Thanks po

  2. Hi Jennifer, beneficiaries do not file separately; they file one claim form, unless there are 2 or more parties fighting for the benefit (like for example, the member had 2 families, and one family did not know a second family existed). Look at this Proof of Surviving Legal Heirs form. Since you, the children, seem to be older than 21, it’s your mother who gets all the benefits, and then it’s up to her if she wants to give some to her children. But you can ask your sibling if they wrote your name in the claim form.

  3. Hi po. Just would like to inquire.My sister just died, she was married and had a son. However, she was not able to update her marital status before she died and stated us her sisters as her beneficiaries. I would like to ask po if we are allowed to claim benefits? We really wanted to claim the said benefits for our nephew since his father has been seeing another woman even before the death of my sister. Thanks po!

  4. Hi Glenda, the legal claimants are your sister’s husband and their son. If you have proof that your sister’s husband has abandoned your sister and his son, I think you can present that to Pag-ibig. But file your claim asap (as guardian of your nephew) because if the husband files his claim, he can get the Provident benefit because he’s legally entitled to it.

  5. I’ve been calling nos. 6966055 6966046 6966034 for 10 days. It rings but nobody answers. after a few seconds, it turns busy so I tried there so I might get an update on the check of Exuperto CONMIGO

  6. hello po. just want to ask if my mother and I can claim. My daddy daddy passed away in june 2013. we don’t know there’s a death benefit from pag ibig. It’s only now we learned about it. can we file? thank you po

  7. Hi po may I ask if my father’s payroll, payslip from previous employer are needed? His previous company has already closed, about 5 years ago. Is it required that the eldest should claim? Or it can be me? I’m the younger child. We’re 2 siblings.

  8. Hi Enna hexa, no. Payslips are not needed. The claimants are your mother, your sibling and you. Yes, you can file the documents by yourself, but you, your sibling and your mother should sign the claim forms.

  9. Hi Chichi, you can claim if your father did not claim his Pag-ibig benefits before he passed away. If he claimed it, he was no longer a member when he passed away, so there’s no more death benefit to claim. If you’re not sure, call Pag-ibig 724-4244

  10. Good day Mrs Nora. It has been a long time my siste in law did not contribute because she was ill. Then she died. Can her husband claim? She did not file for early retirement. Thanks po

  11. Hi Arlene, yes, the husband can file his claim at the Pag-ibig branch nearest the company where your sister in law previously worked. Please see the list of requirements in the post above, except nos. 7,8 and 9

  12. Hi po Ms, I filed po a death claim for my husband last November 2016. my application was approved January 13,2016.i let my auntie to claim the check February 3, 2016(i authorized her,she have SPA and other supporting documents to claim the check) because I was told in their reply to my follow up inquiry that I could claim the cheque and they’ll give the cheque number.but unfortunately, when my auntie went there to claim, they told her they cancelled the cheque release because there was a printing error. they said the burial claim and the TAV should be in one cheque, according to the pag ibig batangas employee (my auntie asked her to talk me over the phone). We were told to wait for 2-3 weeks but until now the cheque is not yet available. My questions are:
    1. If there was an error in cheque printing will they reprocess the application? (that’s their reply to my follow up; they said they’re going to reprocess and they’ll fix my husband’s record of contributions)
    2. I have a copy po of Employee Statement of Accumulated Value. Is the amount Total Accumulated Value the one I’m going to get? Thank you very much and im hoping for your immediate reply. Regards, Glenda

  13. Hi Glenda, it’s my first time to learn an experience with Pag-ibig like yours. Printing error? Death benefit and TAV separated? I wonder about this because the computation of death benefit and TAV is in one document — the Application for Provident Benefits claim form. Did your husband work in different cities? Meaning his contributions might have been remitted to different Pag-ibig branches? If yes, then consolidation of contributions is needed. If they said there needs to be a reprocessing, maybe they need to consolidate records. Review your TAV document. Do you think all your husband’s contributions are there based on his job history? About your question regarding the amount: What you will get is the total of all his contributions plus annual dividends (TAV) plus 6,000 (death benefit).
    But if TAV is less than 6,000, the death benefit is the same amount as the TAV.

  14. good days..po.about sa pag-ibig fund po sa papa ko..hindi po kami nakakuha nga death claim. Namatay po siya noong dec.07 2008 po hanggang ngayon hindi ko nakuha ang death claim nya. Ng nakapunta po sa ofcina ng PAG-IBIG FUND main cebu.
    Sinabihan lang nila ang dapat ko eclaim doon yong retirment po..nagugoluhan po bat may death claim bakt ang retirment form ang binigay nila ng na isip ko lang baka yong andyan pa ang namatay membro bini vigil pa. Yon ang inaakala bakt hindi kami naka ng death claim. May pina process ako tungol sa retirment claim ang daming requirment talagang family code na stop po ako sa pagprocess.Dahil ang daming requirment. Ang tanong ko po. bakit ang daming requirments kong mag claim na ang anak ng membr sa pag-ibig?? Kung mag apply ang dali ng prosiso. Napagod na ako palagi pupunta sa ofcna ng PAG-IBIG FUND ang mga document ko na nag expire na lahat ang notaryo. Nakuha ko na ang lahat ng requirment ng pumunta na ako iba na ang sinabi may kulang pa daw..ang kinainisan ko po tungkol sa record ng parents sa ama ko then pati na sa kapatid..pangalawang tanong po bakit ganyan..noong nagpa member ang papa ko sa pag-ibig may anak na cya..ang naalala ko kasi ako ang eldist year 1975 ba yon memember na po ang ama ko.Ibig ko po ang pangalan ng papa..ito MARCELINO MONTERDE BRIONES. DATE OF BIRTH AUGT.17,1945 ito lang binigay ko ang lahat ng dokumento nan doon pa sa aming bahay.Sana po tulongan mo ako hanggang ngayon hindi po namin nakuha ang death claim at retirment claim..may nag sabi ang death claim at ang retirment clain isa lang yon? Hanggang doon lang po..mapalinawagan mo ako dito..maraming salamat sana maitindihan mo itong sinabi ko.

  15. Hi elvira, I can give a more helpful answer if you tell me these: Is your mother still alive? Are all your brothers and/or sisters already adults or older than 21? What is the problem with your father’s name? Is the name of your father in your birth certificate different from the name of your father in his Pag-ibig records? Are the parents of your father still alive?

  16. My brother in law died in an accident, the offender paid for the funeral expenses, when the family filed for SSS burial benefit, SSS told them that the check will be named to whoever paid the funeral expenses. How can the family claim the burial benefit, which should belong to the members beneficiaries, when the Receipt was named to the offender.

  17. hi po, ask ko lang po namatay po kasi ang kapatid ng tatay ko na walang asawa at anak, patay na din po ang mga magulang nila gayundin ang tatay ko ay patay na din…. kasama pa din po ba kami sa makikinabang sa kanyang death claim?

  18. Hi Merlita, what you can get are the total of his savings and dividends plus death benefit of up to 6,000. Do you have a savings account in the Phils? If none, file your claim when you get back to the Phils so you can open an account for the deposit of your check. You can also file through a trusted person using Pag-ibig’s Special Power of Attorney (SPA), but the check needs to be encashed by you at the issuing bank branch or deposited within 6 months.

  19. Hi po. I’m randy marata. My sister marlyn del rosario marata died august 15, 2015. Her birthday is march 19 1985. Does she have burial benefit. Please check. Thanks. god bless

  20. Hi Randy, since your sister is most likely single, it should be your parents who should claim. If she saved for only 5 months, her savings could only be 1,000 (5 x 200 pesos) plus dividends and her death benefit will only be 1,000 pesos plus dividends. Pag-ibig does not offer burial benefit. Since the total benefit is only small, make sure you don’t spend much on documents and on travel. Plan how to get NSO documents and Pag-ibig forms at one time so you’ll spend only a little. See the list of requirements above. I’ll send you copies of the claim forms so you can study them.

  21. Gud day, can our family claim our grandpa’s death benefit? He died april 26,1998. But before he died, he got sick and was not able to work for almost 7 years. He was a pag ibig member and was a Government employee. We were not able to claim any benefit from Pag-ibig. All his children are living.

  22. Hi po, my mother died last February 2015 and I was late to know that there is also a death benefit claim for pag ibig members. I want to know if I could still file for death benefit? Thanks

  23. Hi maria cecilia, if your lolo did not claim his benefits when he was alive, yes, his children can file their claim. One of the children can call Pag-ibig 724-4244 or email and ask which Pag-ibig branch has the records of your grandpa (write complete name, birthday, name and address of government institution and years of employment) so you know where to file your claim.

  24. Hi Mary Joy, if your mother did not claim her Pag-ibig Provident benefits (savings plus dividends) before she passed away, you can claim her benefits and the death benefit will be included. But if she has already claimed her Provident benefits, you can no longer claim the death benefit because she stopped being a member after she had received her Provident benefits. The Pag-ibig death benefit is not a separate benefit.

  25. Hello po. My husband died po last 2013. My in-laws were not able to get my husband’s Pag-ibig benefits because they were told I’m the one who has the right to claim. I’ve already accomplished Pag-ibig forms and had my in-laws sign what they should sign and documents they should give. Pag ibig told me that because we did not have a child, the benefits will be split between me and my in-laws. But my in-laws told me they’ll not share Pag-ibig anymore with me because they got all the other benefits. How is that? Pag-ibig told me we will split the cheque. How can I have the cheque issued only to me? Do I need certification from my in-laws? Help po. Thanks po.

  26. Hi Melanie, it’s so giving and kind of you to have allowed your in-laws to get benefits that were supposed to be yours. Do you mean your in-laws were able to get their son’s SSS benefits, when in fact their son was married? Anyway, about Pag-ibig, you can have them sign this Pag-ibig waiver of rights and have it notarized so that the cheque will be issued in your name only.

  27. Hi Ms Nora ask q Lang po,namatay po ang father last dec. 11 sa Surigao at naninirahan na po aq sa Bohol ngayon,pwede ko ba dito as bohol asekasohin and death benefit ng father q. Yung mother ko po kasi d nya maasekaso kasi malayo sa kanila ang city kc NASA bundok cla ngayon at may second family na.

  28. Hello po. My father just passed away last April 11,2016. Can I file the Certified true copy of Death Cert? The NSO copy will be available only after a few months

  29. how many months before the death claim is released? They received po our documents march 18,2016. thank you po

  30. hi po, how and where can we file our papa’s death benefit claim? he was formerly a seaman and we don’t know his pag-ibig number. thanks po

  31. Hi michael, where is your papa’s maritime agency located? If in Manila, your papa’s Pag-ibig savings could be in Pag-ibig Manila. Or to be sure, call your papa’s former agency.

  32. Hi Cristina, if your papa’s records are in only one Pag-ibig branch, your check should be available now. If he worked in different regions, it might take some more time to consolidate records. Call the phone no. they gave you.

  33. hi po! My pamangkin died Aug.12,2015. We were not able to get Burial benefit from PAG-IBIG. We filed for APB Death Claim. How much is the total benefit po?

  34. Hi Genelle, the death benefit is 6,000 if the total of savings and dividends is 6,000 or higher. The benefit amount will be total savings plus total dividends plus death benefit (maximum death benefit is 6k).

  35. Good pm – my son got killed in a motor accident. I filed a claim last Sept 2015 as his mother regarding the loan mortgage on a lot he has with the Pagibig fund at Pagadian City field office Until now i have not received any notice from the insurance as it is based in Manila as the head office. Please help facilitate the issuance of the said claim.

  36. Hi Evelyn, do you mean it’s not Pag-ibig doing the follow-up with the insurance company? That you are dealing directly with the insurance company? It should be Pag-ibig facilitating the claim. Have you emailed to Did you submit all the required documents? Was your son updated in his payments prior to his death? Meaning you were not required to pay a number of unpaid monthly amortizations?

  37. hi, how do we claim the death benefit of our sibling who has passed away? what are the requirements?

  38. Hi lito, file the Application for Provident Benefit form and Proof of Surviving Legal Heirs form — see here Pag-ibig Provident benefit claim forms. If your sibling is single, it should be your parents who are the claimants/beneficiaries. See the other requirements at the lower portion of the Provident benefit claim form: NSO death certificate, NSO birth cert (to prove relation to parents), and if single, NSO cert of no marriage, IDs of claimants

  39. Good am. My husband passed away a month ago. I want to know if my children and I can get all the money he contributed since he became a member, or just the 6k? He did not use Pag-ibig for anything. Thanks a lot!

  40. Hi Martina, yes, because you have children, you and your children will get all the money your husband saved plus dividends, plus the 6k. Death benefit is 6k if total savings plus dividends is 6k or more. Death benefit, savings and dividends will all be claimed in one Provident claim application.

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