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.

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  1. Hi Eva, yes, you can claim regardless of the reason of death. It’s only in life insurance where suicide within the first 2 years of getting the insurance will put the insurance claim into question. Pag-ibig says they’ll process in 3 to 4 weeks.

  2. Ask q lng po f ung member ng pag ibig e wala pong birtcert dahil ndi pp naiparehistro e patay n po sya panu po b ang dapat gawin dun salamat po.

  3. Ask q lng din po panu po kung dti n pong nkaloan ang father q sa pag ibig eh ngaun po eh patay n po sya my makukuha prin po ba benifets pra po sa mga naiwan. .

  4. hi! I just want to verify if the surviving legal heirs can still file death benefits if the PAGIBIG member is already inactive and have already withdrawn his account last 2009. The deceased member just passed away last month.

  5. Hi leah, if the deceased no longer has a balance with Pag-ibig, meaning he has claimed all his savings from Pag-ibig, then the heirs can no longer claim. Ask others too

  6. may i know if i am entitled to some benefits if my husband who died a few weeks ago used to be a GSIS member? he used to work at mwss which was then government agency; it then was privatized which is now manila water, where he was connected on the time of his death. THANK YOU

  7. Hi cecilia, you can call Manila Water (trunkline: 917-5900 or 981-8100, ask for personnel dept) and ask which Pag-ibig branch are they remitting Pag-ibig contributions. Then go to that branch with your ID and your husband’s death certificate and ask a copy of your husband’s total savings and dividends, and then file your claim

  8. If my mother will claim the death benefits of my sibling, will they interview my sibling’s minor children? My sibling has a spouse but they are not married.

  9. Hay naku! What about the problem of my mother inlaw. We almost completed the requirements to claim our Death Benefit, got tired of having affidavits made because of confusing requirements regarding NSO certificates. but when we presented the affidavits and requirements, they again required us to submit ORIGINAL COMPANY I.D of the children who are OFWs? How can my mother inlaw present those IDs as they’re abroad? That’s her experience at PAG IBIG Malolos. And they even told her “That’s really the problem of claimants whose children are OFWs”, so do they mean we cannot claim because OFWs don’t take their vacations at the same time? Fares are even more expensive than what we can get from PAGIBIG. Are there some here with the same experience with the same scenario?

  10. Hi SAM, there have been similar comments here, and some have not claimed their benefits because of claim difficulties, like a wife who cannot claim her husband’s savings because she does not know where her parents-in-law are, and many cases like yours, where siblings abroad have to spend for the authentication of waivers or SPAs, considering that the benefit is not that much. Apparently Pag-ibig is making sure that after granting the final benefit, no one else is going to file for valid claims for the benefit which has already been granted. They could have encountered cases like these, where other family members are filing valid claims from Pag-ibig after final benefits have been given to certain family members.
    Pag-ibig’s policy on beneficiaries is different from that of SSS, where beneficiaries are either primary, secondary or designated, and claiming would be easier with SSS as the claimant would only be your mother-in-law (primary beneficiary).

  11. Hi Nora! I am filing for death claim for my mom who passed away last year. I am her only child; however, I am considered as illegitimate because she was never married. I went to a PAG-IBIG branch and they required me to present death and marriage certificates of my grandparents among other documents. What makes it tough for me to complete all the required documents is that me and my relatives don’t have any idea when exactly my grandpa died. The NSO main office suggested to try the National Archives near Intramuros. I went there and told the staff the name of my grandpa, the place that he died, and the possible years that he passed away; which, according to the staff may take months to complete the research work. Another issue is the nonavailability of the marriage record of my grandparents in the NSO and local civil registrar. Can I execute an affidavit for both the marriage and death certificates since securing these documents from NSO seems to be next to impossible?

  12. Hi Joel, Pag-ibig has a Joint Affidavit of Two Disinterested Persons form to substitute for a birth certificate, so it’s likely they’ll accept joint affidavits for your grandparents’ birth and marriage documents. To be sure, call Pag-ibig or ask the Pag-ibig personnel processing your claim. You write well; we hope you get your claim soon.

  13. hello po..my mother passed away last year and all papers where prepared before i came back to dubai..pero po, when they passed the papers to pag-ibig for final screening, they said lacking of SPA and waiver to claim the benefit…and they cannot issue cheque to my father without my name.SO they required me to get SPA and waiver in Philippine Consulate to withdraw my rights as a legal heir so that my name won’t appear in the cheque..now as per checking, Philippine Consulate don’t give waiver, only SPA. so, how would i do that??

  14. Hi hart, I’m puzzled that they require both waiver and SPA. A waiver should be enough. But since you said that the consulate there does not issue waivers (I’m also puzzled by this; they’re supposed to help Pinoys), ask your father to ask Pag-ibig if you can include the waiver statement in the SPA, adding something like this to the SPA: “the power to make and sign in my behalf an Affidavit of Waiver, expressing my waiver of rights to all Pag-ibig benefits granted to the legal heirs of my mother.” If Pag-ibig says yes, then your attorney-in-fact can then make and sign an Affidavit of Waiver in your behalf.

  15. YES. they are so inconsistent with the requirements, i made this clear with them before i went back. but then, that was what happened. so what i did, i made a waiver using my own format and i attached to the SPA when i submitted it to the consulate. hopefully that will be okay. i have a follow up question, i included my father’s niece in the SPA giving her rights to process the necessary documents if there are additional papers to process. Because my father might not have time, so is that okay? She’s not included in the list of legal heirs. actually I’m an only child, this is why it has been difficult processing, there’s no one else to process. so i have given the rights to her. will this not have conflict? Her name will not be written on the check? Because I also wrote “to receive the benefits solely due to my physical absence as one of the legal heir” i should have referred first to my father to support the waiver i attached. but then i forgot that i also write the name of my cousin in the SPA. they might not have reviewed it. now I’m worried that there’s an additional problem because of this additional name I wrote. again, thank you so much for answering my questions, because I myself have doubts why this has come to this and to think that the direct beneficiary is my father. thanks and GOD BLESS!:)

  16. Hello. Just want to ask if I can still claim for my father’s death benefit eventhoughhe passed away last 2011? Can I verify and process it from any HDMF branch? Thank you.

  17. Hi how can I make a death claim? My grandfather has just died. My grandma is also deceased. They didn’t have any child. I was the one they adopted, but I was not legally adopted as they didn’t have money for legal adoption. I don’t know who’s their beneficiary. I’m the only one left to claim. What should I do? My grandma had an earlier marriage and they had one child, who gave birth to me. My grandpa is her second husband. But they were the ones who took care of me and adopted me, just not legal. I hope you can help me. Thank you.

  18. Hi daisy, yes, you can still file your claim. Not any branch. Go to the branch where your father’s records are. Usually it’s the branch nearest where your father worked. For initial processing, bring your birth certificate, your ID and your father’s death certificate

  19. Hi luisa, was your grandpa still working just before he died? Was he younger than 60? Did he not claim his benefits when he was alive? If he already claimed his Pag-ibig benefits when he was alive, there’s no more death benefit to claim. If he did not claim his Pag-ibig benefits when he was alive, then you can collect documents to prove your claim. For initial processing, go to Pag-ibig (the Pag-ibig branch nearest where your grandpa worked for the longest time) and show your ID, your birth certificate, your mother’s birth certificate and your lola and lolo’s marriage certificate. These papers will show your legal relationship with your lolo. Pag-ibig will instruct you on the other documents required. Take care, and I wish you the best.

  20. Hi hart, do you mean you assigned SPA to your father and your father’s niece? And you also included a waiver? I think that would have been okay if what you wrote is just for your niece to process additional documents to be processed, and not to receive benefits in your behalf. Because this statement of receiving benefits conflicts with your waiver of your rights to receive benefits. But I’m not sure. I just hope Pag-ibig understands your position and just issue the check to your father. Yes, I agree that Pag-ibig does make it difficult for heirs to claim. But I think now that Pag-ibig had past legal problems with broken families, so Pag-ibig has been strict. It’s great to know that you and your father are good with each other, but there are many broken families in which the surviving parent and children fight for the claim, so Pag-ibig needs to split the benefit among the heirs. With SSS, it’s easier as the SSS law differentiates the primary from the secondary beneficiaries. God bless too. I hope you have time to update us about your father’s claim. It will be helpful for others.

  21. hi ms nora…we are not a broken family :( we were as much as happy as others..hehehe..im just an only child because my mother has a problem in her uterus..and she died because it became a cancer and resulted to much more complications.. .anyway.. i was asked to make SPA for my father to receive the benefits…that is the core of my problem ( is that necessary? if the daughter or son is away?) . and in the spa i just included the neice of my father just in case he cannot do the processing. so i thought i could hit two birds in one stone.. they said it is okay if i really trusted the neice of my father.. in my waiver, i specified there that only my father has the rights to receive the benefits due to my absence..

  22. MY HUSBAND DIED LAST JANUARY 4,2015, BUT HE HAS A ONLY 1 MONTH CONTRIBUTIONS. IS HE ENTITLED TO DEATH BENEFIT?

  23. Hi Elizabeth, sad to say, the death benefit will only be equal to the 1-month contribution. Call Pag-ibig 7244244, preferably in the evening; they respond promptly.

  24. Hi hart, yes, you’re not a broken family :) I hope I didn’t give that impression. I even said that unlike some claimants, you have a great relationship with your father. I was only explaining why Pag-ibig is so strict with requirements :) I hope Pag-ibig is already satisfied with the docs you sent. Have a great day!

  25. HI MS NORA..NO,, IT IS OKAY… :) YES HOPEFULLY THEY WILL..IF NOT, THEN I’LL BE THEIR GREATEST NIGHTMARE..:) JUST KIDDING..ANYWAY, THANK YOU SO MUCH FOR ANSWERING MY QUERRIES..AND SURELY, I WILL UPDATE HOW THE PROCESS RUN SMOOTHLY..(CROSS FINGERS).. AGAIN, THANK YOU AND HOPE THAT THE GOVERNMENT OFFICIALS WILL BE CONSISTENT IN THEIR REQUIREMENTS..ANG HIRAP PO MAG PAULIT ULIT NANG NANG PAG PROCESS..CGE PO..GOD BLESS :)

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