Pag-ibig Fund — How to Claim Death Benefits

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 depends on the TAV total and membership status at the time of death.

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 (FPC010)
2. Death certificate of Pag-ibig member, issued by NSO or Certified True Copy by the Civil Registrar
3. Funeral receipt or payment certification from the funeral service provider
4. Notarized Proof of Surviving Legal Heirs (FPC011)
5. Notarized Affidavit of Guardianship (FPC012)
(if children are 18 years old and younger, or physically/mentally handicapped children)
6. Birth certificates of all children, issued by NSO, or Certified True Copy by the Civil
Registrar, or baptismal or confirmation certificates
7. Marriage certificate, issued by NSO, or Certified True Copy by the Civil Registrar, if
member is married
8. Birth certificate of member, if claimants are the parents or siblings
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

Valid IDs: passport, driver’s license, voter’s ID, postal ID, SSS card, company ID, PRC ID, GSIS e-Card, AFP ID, IBP ID, OWWA ID, OFW ID, and SIRB seaman’s ID.

You can download the required Pag-ibig claim forms from the following:

Application for Provident Benefits Claim

Proof of Surviving Legal Heirs

Affidavit of Guardianship

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.

Note: Pag-ibig Fund says DO NOT HIRE a THIRD PARTY to follow-up your claim.

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.

310 Comments

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  1. Hi amador, processing time varies for every claimant and I really cannot give you an accurate estimate. If there are no documentary problems or no problems with claimants, claimants can have their benefits in 2 to 3 months (based on claims I know). Much much longer if there are problems with the claim.

  2. mam ung father ko po ay patay nya and dati po siyang pulis e hinahanapan po ako ng payslip nya e san nmn po ako kukuha nun e wala ng ganun ung father ko?

  3. Hi fatima, in their list of requirements, one requirement for AFP employees is Statement of Service or Order of Retirement. I don’t know why they need a payslip. Maybe they want to see if there’s Pag-ibig deduction in his payslip. Have you completed the usual death benefit requirements? Find if there’s another document you can show that proves your father’s PNP employment.

  4. hi po,ask kolang po my husband namatay nong june 24 2014 dun sa saudi at pagkaalam ko member sya sa pag ibig,at may una syang pnakasalan at kasal din kami,at ang mga kids nya sa una ay ako napo nagpalaki at may anak din kami 1,may makukuhapoba akong benefits or ano papo ba?

  5. Hi. Just wanna know until when I can file my husband’s death claims for pagibig? We lost him almost a year now. Please response. Thank you.

  6. Hi Ma’am. My mother died Nov of 2011 and I havent had the time of filing for her death claims. Can you please confirm if there is an expiry? Can we still claim it?

  7. Hi Ellen, is the first wife still alive? Did they have a marriage certificate? If still alive and they were legally married, then your marriage certificate is not valid. Is the first wife filing her claim? If not, you can file your claim and let Pag-ibig decide if your claim is valid or not. All the kids (with the first and with you) are valid beneficiaries.

  8. Hi Lany, you have 10 years to file your claim. But of course, it’s better to claim earlier. Death benefit claim is part of the Provident benefit claim.

  9. Hi Shiela, if your mother did not claim her Provident benefits before she passed away, you can claim her Provident benefit (death benefit is included in the Provident benefit). You have 10 years to file your claim, but it’s good to claim earlier.

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