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
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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Hello, I'm Mrs. Nors.
I write based on my experiences and research and I answer questions the best I can at the moment I'm writing my answers.
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Ask lang po hanggang kelan po ba pwedeng mag claim g GSIS,PAGIBIG na burial namatay po kc ang biyenan ko last december 17, 2012 marami pa po kc kaming kulang na documents.
Hi Aphol, continue gathering your papers. Most civil claims have a prescription period of 10 years. For SSS EC, you can claim within 3 years. About GSIS, I’m not very familiar with their benefit programs; there could be plans there that have shorter prescription periods, so to be sure, do your best to submit your claim within the next few months.
My late husband Dionisio T Malimbag Jr worked with Colgate Palmolive Philippines before. I cannot find his PAGIBIG ID or any number for him. May I know , how will I know if he has applied for PAG IBIG membership before and had paid his ocntributions?
Hi Linell, you can go to Pag-ibig Buendia, with your ID, marriage certificate and your husband’s death certificate (orig and xerox) and inquire about your late husband’s contributions. Pag-ibig became mandatory, so he must have paid his contributions.
I just want to verify if the burial claim and contribution of Danilo G. Ragandan Sr. died sept. 11, 2011 already released? If yes how much, when and may I Know the name of the receipient. thank you.
Hi Eloisa, sori I’m not an employee of Pag-ibig. I just write about Pag-ibig. The legal beneficiaries are spouse, children, and parents and siblings (if no spouse, no children and no parents) and nearest relatives (if no siblings).
Good day,my father inlaw was in service in airforce since 1971 till 1984 but he is awol.he died nov 22 2010..what benefits he can get thru pagibig or gsis?
Hi Cesar, I suggest the best thing to do is to for your wife to go to GSIS, PAF, and AFPSLAI, or to the nearest branches/offices, together with her IDs, her birth certificate, her father’s death certificate (orig and xerox) to ask how she can file her claims. There she will know what the benefits are. You can also visit the websites of these agencies; the benefits are described. At PAF, she should ask which Pag-ibig branch is PAF submitting their contributions, so she can go and make inquiries there, as Pagibig records are not centralized.
Husband of a Friend of mine Died Last Feb. 26, 2013 and he has a housing loan. What will my friend will do to claim for the property and other claims from Pag-Ibig. Also,the mother and brother of the Husband is still alive, can they also claim for the housing property? They also have 2 minor children
Hi Cel, in the Surviving Heirs form, the name of the mother should be written, and I think she shares in the Provident benefits (total contributions plus dividends). The brother does not share (does not have a claim) because the member has a spouse and children.
About the house, I’m not sure about this, but it’s communal property, so it should go to the wife and the children. Your friend should go to the branch where the housing loan was filed and to the branch where the contributions were remitted and make inquiries. Initial documents to bring: her IDs, NSO death certificate, marriage certificate and birth certificates of children (xerox and original), funeral receipt (orig and copy). Pag-ibig forms include affidavit of guardianship for minor children and proof of surviving legal heirs.
Hi itatanong ko LNG sana yung tungkol sa burial ng father ko..my family they receive a check I don’t know how much is it pero an doon ung name ko..but I’m no longer live in the Philippines.hindi nlang ngalaw ung PEra sa check at na expired ung checke is there anyway na makuha pa nila ung PEra.sa burial?thnk u
my mom died last march 2008, ask ko lng po sana if i can still claim for death benefits. hindi ko na kasi ma locate ang father ko and she is married to him.. how was that po.? thanks
Hi aian, yes, you and your siblings (if you have) can file a claim, but Pag-ibig will require a waiver from your father. Your grandparents also share in the claim if they’re still alive. Try your best to locate your father. You can go to Pag-ibig with your IDs, birth certificate and death certificate (xerox and orig), and ask for initial estimate of benefit, so you can evaluate if it’s worth it to spend to locate your father, or to spend for documents.
My father died last July 2011, my mom asked me to file claims from pagibig as he was a member. Should i file separate claims for both provident and death benefits? Thanks.
Hi Florence, provident and death benefits are combined in 1 claim. Look at this form, death benefit is in the lower portion of the form: https://sites.google.com/site/informationphilippines/pag-ibig-fund-hdmf/application-for-provident-benefits-claim
When my husband became disable, nakaclaim sya ng provident benefits sa Pag ibig last 2011. When he died last August 4, 2012, I went to Pag ibig office and inquire if he is still entitle to death benefits, sagot po nila na wala na raw. But my friend told me na separate and provident at death benefits. Shall i go back to pag ibig and file the death his death benefits?
When my husband became disable, nakaclaim sya ng provident benefits sa Pag ibig last 2011. When he died last August 4, 2012, I went to Pag ibig office and inquire if he is still entitle to death benefits, sagot po nila na wala na raw. But my friend told me na separate and provident at death benefits. Shall i go back to pag ibig and file his death benefits?
Hi Magdalena, sad to say… but when your husband got his provident benefits in 2011, he got all his savings plus dividends, and there was nothing left with Pag-ibig; so his membership stopped in 2011. In short, he was no longer a Pag-ibig member when he passed away.
Under Pag-ibig, only those that have not claimed their benefits will have their families get death benefits when they pass away.
If it can be a consolation, Pag-ibig’s maximum death benefit is 6k, far lower than that of SSS.
ask ko po sna id no. mr. ko kc he died last feb.21 and im going to file for death claims tnks
Hi venus, you can get this number by registering your husband online, but I think it’s better if you just bring the documents that you have to Pag-ibig. I think they’ll be considerate in finding the number for you because yours is a death claim.
hi there…my father is a government employee and he’s retired already..my question now is,can we claim death benefit?just like sss?
Hi mayang, has your father received his Pag-ibig benefits already? If your father has already claimed all his Pag-ibig benefits (savings plus dividends), his beneficiaries can no longer claim death benefit. Why? because his membership was terminated when he claimed all his savings plus dividends. It’s not the same as SSS.
gud day po,ask ko lang po kung ilang days or months ma e release ang pag-ibig death claim after mag- file?
Hi lyka, can range from 1 month to several months, depending on whether member’s records are in order or in 1 branch or in many branches and on Pag-ibig work load.
question lang po ..my father died year 2000 can i still get his death benefits..thank you
Hi decena, that’s more than 10 years ago. Ten years is the usual prescription period for civil matters. But I’m not sure about Pag-ibig. You should go to Pag-ibig and ask if you can file your claim. Bring your IDs and death certificate of your father and your birth certificate.
Someone told me na may burial claim rin po ang PAG-IBIG. Not so knowledgeable me, nakuha ko na po ang Provident Benefits at ngayon lang ako mag-file ng burial claim. Wala po ba deadline ang claim na ito? Thanks in advance.
Hi Ernie, do you mean you’re the beneficiary of a Pag-ibig member who died? And that you’ve submitted the member’s death certificate and funeral receipt? Pag-ibig calls that as death benefit, and it is already included in the benefits you received. Check your papers — it should be Provident benefits + death benefit = Total benefits. Death benefit is 6k if Provident benefits is 6k or more.
Hi,
My uncle died last week and he was buried last Saturday.
He was only able to make contributions to PAGIBIG for less than 20 years (maybe 10 years lang or less). He lost his job when he joined a labor union rally years ago.
How can his family get benefits?
Maraming salamat.
Hi Maribel, his family should prepare the required documents — listed above, from No. 1 to 10. If his children are no longer minors, no need to submit No.5. If he’s married and has children, no need to submit No. 8 and No. 9. You can get the Pag-ibig forms from Pag-ibig, or you can download from the links above, and print them. Submit at the Pag-ibig branch where your uncle’s records are — usually the branch nearest where he worked.
If he worked in different companies in different cities, you inquire in other Pag-ibig branches if he has contributions there. If there are contributions in other branches, his family should accomplish a consolidation of contributions at your uncle’s main branch.
my fatner in law romeo belza die just 3days ago. waht will happened in our house did the hdmf force us to pay our arrears?
or we can have benefits?some of our neighbor told us the house will be ours if we pay are arrears..
waaa nosebleed sa madaling salita po.,
anu po ba ang pdeng mangyari sa bahay niya? may utang po kaming 3years kasi po nawalan na sila ng trabaho pero po ung total amount ng bahay is about 300,000.00
ang natitora nalang po is about 90,000.00 ?
halos ung interest na nga lang po anu po ba ang ibig sabihin dun sa contract na
in case of death, the provisions of the borrowers motrtagage redemption insurance policy etc etch
pls help po
Hi reham, yes, the mortgage redemption insurance of the deceased borrower will pay his loan balance in full, and the title of the house will be given to his family (the legal beneficiaries). But your neighbors are correct; you first need to pay your arrears. It is best for some of you to go to Pag-ibig Housing and ask about what you can do. Bring IDs and copy of the death certificate. The member’s Provident benefits can be used to pay part of the arrears, or all of the arrears if enough.
Good Day! meron pong na loan na lupa ang aking deceased uncle.. di ko po sure if natapos nya po ang kanyang term. 2005 po siya kumuha ng Housing and meron na din po siyang cert. of occupancy. na lay-off siya sa work nung 2010 at hindi na nahulugan.. then namatay siya last March 29, 2013. may makukuha po paba kaming mga naiwan nya. at especially yung lupa at bahay niya kung may habol pa po ba kami duon.
Single po siya, and both parents po niya ay buhay pa ages 60-65.. Pamangkin niya po akong pinagiwanan ng mga documents niya..
salamat po sa sagot..
Good Day
tanung q lang po yong ate q namatay last october 01, 2011, din nakuha nah poh ung burial niya sa SSS pero ung para sa anak nya until now wala pa po, dahil kulang ang mga papel. pension nya wala pa po, hindi namin pa na claim, and also the pag ibig death claim… anu gagawin nami.. pwde pa bang makuha ang dapat sa anak niya,din refundable vah ung mga months nah hindi namin na claim para sa bata.???
Hi Albert, is this property not yet foreclosed? Have you received legal foreclosure papers? If it’s not yet foreclosed, you can pay for the arrears, so you can claim. You can use your uncle’s Provident benefits to pay part of your arrears. If the arrears are paid, the mortgage redemption insurance will pay for the loan balance, and your grandparents can have the title to the property. The rightful claimants are the parents, but you can inquire on their behalf. Have them write an authorization letter for you to make inquiries at Pag-ibig; bring your IDs, your grandparents’ IDs and your uncle’s death certificate (xerox and original)
Hi lovely, yes, if the child is younger than 21 years old, SSS will give all the accumulated pensions for the months since your sister’s death, plus the current pensions. Complete the papers asap so SSS can process the claim. About Pag-ibig, the list of documents required are in the article above. Your sister’s Pag-ibig savings continue to earn dividends if they’re not yet claimed. You are given time to collect documents, but file your claim not later than 10 years after date of death.
Good Day! I just want to ask if the benefiaries of Pag-Ibig and SSS is also qualified for death and funeral benefits…or it’s for members only?
Hi Eve, sorry, the death and funeral benefits are for members only, meaning benefits are given to the beneficiaries of members who passed away.
Hello,how is a pagibig check make payable to if there are 3 beneficiaries including a spouse. Also, how long does it take to wait for the first sss payment. The person died in Nov. 2012 and all the re
Hello,how is a pagibig check make payable to if there are 3 beneficiaries including a spouse. Also, how long does it take to wait for the first sss payment. The person died in Nov. 2012 and all the requirements been filed in Dec. 2012. Thanks.
Hi Ver, are the other beneficiaries the parents? I’m not sure if Pag-ibig considers the wife and parents as 2 parties, so there will be 2 checks with equal amounts. But if Pag-ibig considers the spouse and the parents as equal beneficiaries, there will only be one check and the names of the 3 beneficiaries are all written as Payees on the check. If the beneficiaries are a spouse and children, I think it’s one check also.
About SSS, the speed of processing depends on the SSS current work load and backlog and on whether the records of the SSS member are already in order. Did SSS give you a estimated date of first pension? Follow up if this date is already past.
hi mam, my common law husband past away last feb. he only work for a month as a sales clerk last 2008.. so he only had 1 contribution in SSS and Hdmf as I seen in his pay slip before, I got the funeral claims in SSS.. but not the death claims.. one of the employee told me that I can also get death claims in Sss but its only a lumpsum..we have a son he is 6yrs old..my question is how much will I get for the death claims if he only have 1month contribution?how they compute it? and for the pag ibig contribution, am I entitled to get also for the death claims even if its only have 1 month contribution?and how much is it mam?tnx..
Hi angel, for the SSS benefit, your son can get a lump sum of 12k, but please DO NOT rely on my answer, I could be wrong. I just based my estimate on their rule about the primary beneficiary of a member with less than 36 monthly contributions — it says 12 x the monthly pension, and the lowest pension is 1k. For Pag-ibig, how much did he pay? 100 pesos? If the employer also paid 100 pesos, then the total would be 200 pesos. You will get this 200 pesos plus dividends and a death benefit equal to 200 plus dividends; perhaps around 500 to 600 pesos in all. Pag-ibig is also different in the way that they include the member’s parents as benefiaries, so your child will share the benefits with the parents. So when claiming Pag-ibig, check what you will spend for the documents, your time and fares; it might not be worth claiming. But again, ask others too. by the way, you write well. best regards
Hi ask ko lang po. my mother die last march 29,2013. she previously work at Civil service comission for 39 years. so ask ko lang po pwd po ba kami mag apply ng death claim or burial sa pag-ibig?hindi ko pa kc alam ang pag-ibig number nya. panu po ba ga2win ko?at ano po mga requirments. thank you
Hi Dennis, the documents required are listed in the article above. Did your mother work at the CSC in Diliman, QC? Then you can start by going to Pag-ibig Kamias branch along Edsa in Diliman, and ask if your mother’s records are there in that branch. Bring your mother’s birth certificate including a xerox copy, your ID and your birth certificate (to show your relationship and your authority to make inquiries). By the way, did your mother get her Pag-ibig Provident benefits before she passed away? Because if she already got all her benefits, her beneficiaries can no longer claim. But anyway, you go to Pag-ibig and ask. You need to be sure.
gud Day Mam,
Nag-inquire po ako sa pagibig about sa housing loan ng namatay kong uncle.. ang sabi po ay acquired asset nadaw po xa.. ano po kya ang pwede nming gawin.. magki-claim po kc kami sa pagibig..
hi all, gusto ko lang po malaman kung may mkkuha pa po bang death claim sa pag ibig khit na nag lumpsum na po ang member bago sya mamatay??
Hi Albert, I suggest you go over the papers of your uncle. Can you find there notices from Pag-ibig? There should be warnings, collection letters and demand letters from Pag-ibig before foreclosure. He should have received foreclosure papers and notices from the regional trial court. Did you go to the Foreclosure Department of Pag-ibig? or to the Acquired Asset division to ask about your property? Do you have his last receipts so you can check when really was his last payment? Did you ask how you can redeem the property? About your claim for Pag-ibig benefits, you can bring papers that you have — see list above — and then present them, and listen to what they say. But what I know is that the matter about the house should be resolved first before you can get the Pag-ibig provident benefits.
Hi edgar, sorry, the beneficiaries can no longer file a claim because the member stopped being a member when he got all his money from Pag-ibig before he died. Ask others too.
Hi nors thank you for the quick response. but i don’t think my nakuha na xa sa pag ibig kc after she retired nag stay na xa sa province namin. so ask ko lang po ano ano ang mga information an dapat kung alamin pag punta ko sa pag ibig? ask ko narin about sa GSIS nya if hindi ma approved ang survivorship nya sa father ko my chance ba kami ng kuya ko makakuha ng benefits nya?were already over age so panu ung mga benefits nya?thank you.
Hi Dennis, bring the documents that you have (xerox and orig) including your IDs and your birth certificate and ask for a copy of your mother’s total contributions and dividends and a list of documents for filing a claim for death and provident benefits. Please check also my previous response. Ask your father about your mother’s employment history including dates so you know. Was the CSC her only employer?
About GSIS, sorry I’m not very familiar with GSIS, but I checked a bit, and I think your father should get the survivorship benefits because he is the legal spouse and the primary beneficiary, whether he is currently employed or not. Check the GSIS website to see other benefits.
Hi,Good day! I just want to know how long does it take to claim lumpsum from SSS. My brother died last Nov. 20, 2011. We had his funeral claim already..He worked from 2008-april 2011 and filed for this death claim last December 26, 2012, but until now, we haven’t received check from SSS.When do you think we’ll be able to received this claim?thank you. God bless
Another thing po mam. related to my previous questions ang situations. there is a person came to our house (not the loaned house) ang sabi n’ya nabili na daw nya ang lupa ng tito ko sa pag-ibig. kinukuha na nya ang susi ng bahay. para masinop na daw niya.. may 2yrs. na din kasi na hindi nahulugan ng tito ko yung bahay niya at “acquired asset” na nga ang status nuong nag verify ako. is it possible na in 1 week process pwede na kagad mapasakamay ng ibang tao ang property kahit hindi pa namin nas-esettle ang account ng namatay kong tito. (march 29, 2013 namatay ang tito ko) grabe yung tao na yun kung mapag harras sa amin sa text.
Hi Albert, when persons come to your house, ask for documents that they’ve really purchased that house. Tell that person you’re in the process of redeeming the property. No, you cannot complete the purchase of a house including the paperwork in 1 week. I suggest you go to the Foreclosure department at the Pag-ibig branch along Shaw Boulevard and ask how you can redeem the house. 14th Floor, JELP Building, 409 Addition Hills, Shaw Boulevard, Mandaluyong City. I’m puzzled that the foreclosure was so fast. Where is this property located? I can’t find a list of acquired assets in Metro Manila on the Pag-ibig website — only in provinces.
Hi!Gjood morning po.Tanong ko lang po if pwede bang online ang pagpasa ng mga requirements for death claim kasi nagtratrabaho po ako at walang time para pumuntang aklan para sa pagprocess.Thank you.
Hi sherryl, sad to say, Pag-ibig does not yet have an online system for accepting claims. What you can do is get a SPA to authorize someone to file your claim. Special Power of Attorney (SPA) Prepare all documents before your rep goes to Aklan so your rep doesn’t have to make extra trips
as a married daughter..do i still have a right for my father’s benifits?
Hi geralyn, yes, even if you’re married, you can share in your father’s Pag-ibig benefits. But the primary beneficiary is your mother. Your grandparents may share also. Their names need to be written on the list-of-heirs form.
hi, my father died last year, and my mother receives my father’s death benefit in an amount of not more 30 thousand. plus the 6k funeral, ganun lang ba talaga, just asking po, because my father was a member for more or less 20 years.
Hi jonalyn, did your father work in many companies? Did he pay even when Pag-ibig was made optional from 1986 to 1994? Did he leave an unpaid loan? Also, Pag-ibig records are not centralized; companies remit to the branch nearest their locations. So if he worked in different companies in different cities, I hope the contributions were consolidated. You can go back to Pag-ibig and ask to see the computation, so you can see the records. Bring your ID, your birth certificate, and your father’s papers.
Im Annabel Guerra dela Cruz,daughter of late father Sohrab Ojastro Guerra./.I want to ask if he can claim the burial and benefit of PAG IBIG? Can you check for me?Thank you so much and more power to all of you!
Hi annabel, did your father get his Provident benefits before he passed away? If not yet, you can file your claim. Check the requirements in the article above.
Hi ask ko lng po kasi ung husband ko namatay ito lng ping april 3 gusto ko lng po malaman na pano kung kulang po ung valid id ko isa lng po ang merun ako pano po kaya yun…?? Thanks! And Godbless!
Hi Cherry, what’s the valid ID that you have? If it’s not a postal ID, then you can get a postal ID. Get first a barangay clearance — ask if they’re giving a postal ID application form at the barangay so they can fill up the notarization section of the form so you don’t have to pay for notarization. Some post offices charge about 400 to 500 pesos for the postal ID — ewan bakit mahal.
If your barangay clearance is the one with computerized document with your web-cam-captured photo, you can use this as an ID. Other valid IDs are NBI clearance and police clearance.
hello, ask ko lang po kung pwede pa namin maclaim yung death benefits from pag-ibig fund ng father ko kahit na matagal na po syang wala, he passed away last 2005 and hindi po namin naayos ung death benefits sa pag-ibig fund at ilan years po ba ang dapat na contribution ng pag-ibig member? thanks!
best regards,
rr
Hi RR, yes, you can still file your claim. Even if your father contributed only for a few years, you can claim his benefits. It’s not pension, it’s lump sum, so there’s no minimum no. of years of contributions. You have until 2015 to file your claim (within 10 years from date of death), but file as soon as you gather the documents. Make sure you write all the companies where your father worked, including dates and addresses, so Pag-ibig can trace all his contributions. best regards
ask ko lang po, ang tatay ko po na si John ay namatay nitong march 31, 2013. nakuha niya na po ang kanyang retirement benefit sa pag-ibig. entitled pa rin po ba siya na makakuha ng burial assistance sa pag-ibig katulad ng sa SSS?
Hello
I just want to know if i can still claim my wife death benefits? she died on Dec,2005 we had one son at age of 9, My problem is’ didn’t knew her Pag Ibig number, can you help me? what should i do? Please e-mail me. Hope for your positive response, Thank you.
Hi chris, sorry, hindi na. Not the same with SSS. Once nakuha na ang total Pag-ibig providence benefits at retirement, wala nang death benefit later on. Ask others too.
Hi! Ask ko lang about s housing loan. Im the principal borrower, secondary borrower yung husband ko that past away this april. Kya po 2 kmi kc di maapproved pag salary ko lang mag base. Pano n po ang hulog ko don..may bawas din b kc wla n ko k share. S amin 2 nkapangalan yung titulo ng lupa. Pano n po kya yon.
Hi Shirlx, based on Pag-ibig circular 310, yes, the portion of your husband in your housing loan will be paid for by mortgage redemption insurance (MRI), so your monthly amortization amount will decrease. The amount of loan that will be erased will depend on your husband’s loan entitlement. You can go to your Pag-ibig branch or to the housing department along Shaw Blvd. (JELP Bldg.) with your Pag-ibig housing papers, including your IDs, your husband’s death certificate (have clear xerox copies of all) and ask how you will process your claim. I hope you can share later on your experiences here.