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 ms Nora good day! If ever the provident benefits requirements are already complete and submit all of these to the long can be claim the check?

    Thankyou and more power!

  2. Good Nora..sagotin ko ang tano ng MO.My mother is still alive po..ako ang pinaka panganay sa aking mag kapatid lima po kami magkapatid ang youngest namin 31 years old na..tungkol sa name ng papa ko..naging dalawa ang name nya sa sss nya record Marcelino monterde briones sa pag ibig record naming Elino. Sabi sa Kahana ko Doon sa ofcna ng pag ibig nag basi po cla sa marriage contract nila ang Elino daw ang e-file ko sa form.Pasinsya Lang mahirapan kayo sa pag itindi sa mga nasabi ko parang magulohan kayo dito. Tanong Lang po bakit kailangan Maka perma kaming lahat magkapatid buhay ang aming Ina. Bakit pahirapan pa kami..napagud na ako nag processed away Lang kami sa aming Ina..matanda na..Sana mapalinawagan mo ako dito mam..Salamat sa pag reply first question ko.

  3. dear po. I want to verify if my father or his beneficiaries were able to claim his benefits. My father died in sept. 22, 2001. Would you please check his records? Thanks po

  4. hi po, my uncle died 3 months ago. He has no beneficiary. He’s the brother of my father who’s already deceased. Are the nephews/nieces among the claimants? jean

  5. Hi mary jean, do you mean your uncle has no wife and no children? Are his parents and grandparents already deceased? If yes, then the claimants are all his brothers and sisters. Is your father the only brother? No other brothers and no sisters? If yes, then you can file your claim together with your brothers/sisters. If you have many brothers/sisters, they can sign waivers so you can save on documents and time.

  6. dear man nora,
    follow up lang po, tatlo na lang po natitirang buhay, sila lang po ba ang may karapatan sa death claim ng uncle ko since patay na po si tatay ko? kasi yun po ang sinasabi nila na silang tatlo na lang pong buhay ang may karapatan sa death claim ng uncle ko.

    thanks po … mary jean

  7. Hi mary jean, you email Write your father’s name, date and place of birth, names of companies where he worked and locations and dates. You note “estimated” if you’re not sure about the dates. Attach a photo of your ID and birth certificate.

  8. Good day ms nora..!tanong lang po ako..kung ang anak ng member ay deceased na po tapus wala syang death certificate sa munisipyo sa kadahilanang hindi na submit ang death cert. Or wala syang record sa ano po ba ang dapat gawin para ma claim yung death benefits ng member? Thank u..arlene

  9. Hi arlene, who died? The child or the member? Pag-ibig’s death benefit is given only if it’s the member who died, and if the member did not claim his savings before he died.
    About the death certificate, Pag-ibig requires an NSO death certificate. If it’s the member who died, you should report the death to the local registrar, even if it’s a late report, then wait for it to be forwarded to the NSO.

  10. good day. can children of legal age claim? Pag-ibig said children can no longer claim if they’re of legal age and married and it should be the spouse that should claim. But they’ve been separated for a long time.

  11. Hi frina, if the parents have long separated, then the children, even if married and of legal age should find a way to claim. The children should get a signed and notarized waiver from their father, and then file their claim. This is the Pag-ibig Waiver of Rights form. When you get the waiver, get also a copy of the father’s IDs, in case Pag-ibig requires it. Marriage certificate from NSO might also be required to prove to Pag-ibig the identity of the spouse.

  12. Hi. what will happen to my housing loan if I died? Will my husband or children continue to make the payments? thanks

  13. Hi Shella, is this a Pag-ibig housing loan? Yes. If you pass away and you’re updated with your payments, the house will be considered fully paid and the title will be given to your husband. The unpaid portion of your housing loan will be paid by mortgage redemption insurance (MRI). You’ve been paying this MRI premium as part of your monthly amortization.
    But release of title will not be automatic. Your husband must file his claim and submit the required documents to Pag-ibig (first filing for Provident claim and next, for the house and lot title).

  14. Can we no longer file for death claims? We were told we already filed for disability. My father died april 15 2016

  15. Hi marianne, sorry you have no more benefit to claim. Pag-ibig is not the same as SSS. When your father claimed his disability benefit, all his Pag-ibig savings and dividends were given to him. No money was left. So there’s no more money to claim.

  16. Good day. My brother and i are illegitimate children since our parents are not married, but papa has no other children or wife. Can we claim from pagibig and SSS? If so, can I file by myself? My brother has no IDs. TIA.

  17. Hi Mitch, yes, you and your brother can be the legal claimants depending on your ages and if your father’s parents are still alive. So I can reply correctly, please tell me how old you and your brother are and if the parents of your father are still alive.

  18. Good day po! My Father died last June 13, 2016. He is an SSS pensioner for almost 20 yrs., can he also claim a Pag-ibig death benefits?

  19. Hi Editha, since he has retired, I assume he already got his Provident benefits from Pag-ibig. Has he claimed his Provident benefits when he retired? If yes, sorry, there’s no more death benefit to claim from Pag-ibig. Why? After he claimed his Provident benefit, his Pag-ibig membership also stopped.

  20. Hi ms nora my father died last january we had 4 mos. failed payments. is there a possibility we can avail of MRI? an employee of pag ibig said they pay 1 year advance payment to mri. But they are not sure we can avail. if we have pre payment of 1 year, is it possible we are fully paid? thanks po

  21. Hi good day. I am Vanessa from Cebu I just want to ask if is it true that we need to wait another 3 months for our death claims to be released since there is one lacking document that they require to submit? We processed the death benefit claim last April and we submit the lacking paper last week. I hope I will get some detailed answer on this. Thanks.

  22. Hi day, your MRI should have been paid because they indeed pay one year in advance. what were the 4 months you failed to pay? before your father died or after? If your father failed to pay 4 months before he died, then you need to pay those 4 months plus penalties and interests before the MRI will be applied to pay your father’s loan balance in full (and your loan will be fully paid off). If you paid for due dates after your father died, these payments will be returned to you, and your loan balance will be paid in full by MRI. After getting the title from Pag-ibig, you will process the cancellation of mortgage at the Register of Deeds so you will get a clean title in your father’s name.

  23. Hi mrs nora!i would like to ask if my mother can claim her death benefit? she worked 15 yrs in the gov’t and she stop working due to her eye illness. I think she had early retirement. Can we claim her pagibig death benefit? I think she got back her pagibig premiums or contributions when she was still alive. Thanks much. god bless!

  24. Hello Ms. Nora,

    My mother died last year and she haven’t claimed any of her PAG-IBIG funds. Now, my father and I are both beneficiaries. He would like to make the claims and asking me to sign a quitclaim waiver affidavit. Btw, my father and I do not have a very good relation since my mother was alive and I’m an OFW. My questions are:

    1. If I did not sign the quitclaim waiver affidavit, can he still make the claims for all of the funds?
    2. If he manage to claim the portion of his entitlement from the funds, can I still file separate claims for my portion when I got back in Phil.?
    3. Is there a way to know how much was the total amount of funds my mother left inside her PAG-IBIG account? (from what I know it’s quite ample as she did not afford any loans during the time she was working until she passed away)

    Appreciate if you can give me another viable way to deal with this issue.
    Thank you very much!.

  25. Hi Cheng, you said you think your mother got already her savings plus dividends when she was alive. If you are not sure, you can call 724-4244. If she has already claimed her savings and dividends (called Provident benefits), then you can no longer claim a death benefit. Pag-ibig Fund’s reason will be because your mother’s membership ended when she claimed her Provident benefits.

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