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.


Add a Comment
  1. Hi Nap, sad to say, when you got all your contributions and dividends in 2007, your Pag-ibig membership was also automatically terminated, so your heirs will not be eligible to claim a death benefit from Pag-ibig

  2. hi, how is it if the spouse of the member, who is the beneficiary, is also already deceased, can the benefits still be claimed? Or can the member’s child claim?

  3. Hi xoxo, yes, the child or children of the deceased member are qualified to claim. The child/children are primary beneficiaries. The NSO birth certificates of the child or children are required. Other docs required: NSO death certificate of member, NSO death cert of spouse, Application for Provident Benefits Claim form, Proof of Surviving Legal Heirs form, IDs of claimants, Affidavit of Guardianship (if children are minors). If parents of deceased member are still alive, waiver from them might be required.

  4. Hi po, if for example a member paid only 2 contributions and the he died, what benefits be given to beneficiaries?

  5. Hi Rowena, sad to say, the beneficiaries will get back only about twice the 2 contributions. For example, he contributed 2 contributions of 200 pesos each (200 pesos from him and 200 pesos from his employer), his beneficiaries will get back the 400 pesos plus 400 pesos in death benefit and a few pesos worth of dividends. Control your expenses in claiming and in producing the documents so you won’t waste money in claiming.

  6. Will my father get benefits? He’s a member of pag ibig. My father passed away aug 25. what are the requirements needed?

  7. Hi jhong, if your father did not claim his Pag-ibig benefits when he was still alive, you can claim his benefits. Requirements are listed in the above post. You can also see the list here: Application for Provident Benefit form, Proof of Surviving Legal Heirs, NSO birth certificates of children, NSO marriage cert of wife, NSO death certificate of father, photocopies of 2 valid IDs (bring original IDs).

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