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 bong, no, her live-in partner cannot claim because he has no marriage certificate to show. You and your children are the rightful claimants. If it was claimed by the partner, that means he submitted a fraudulent marriage cert, and you can contest it.

  2. Hi Prince Ondoy, you can claim from Pag-ibig if your father did not claim his Provident benefits when he retired. Pag-ibig is not like SSS where pensioners are still considered SSS members. With Pag-ibig, if savings and dividends have already been claimed at retirement, the membership stops, and there is no more death benefit to claim.

  3. Hi Madel, if your mother did not claim her Provident benefits when she was alive, your can claim her Provident benefits (savings plus dividends plus death benefit). If you’re not sure, you can call Pag-ibig 724-4244 or inquire at your mother’s Pag-ibig branch.

  4. Hi My father died last August 14,2015. He had his early retirement last 2003. Can we still get his death claims?

  5. Hi Anne, sorry, if your father got all his benefits in 2003, his membership stopped in 2003, so you can no longer claim a death benefit. It’s not the same as with SSS.

  6. my husband resigned to his work last april 2015 but 16 yrs.non stop cntribution to pag ibig.then he died last oct.2015.can i still claim his death benifit?

  7. my husband stoped his work last april 2015 but he contrbute his pag ibig for 16 yrs.then he died last oct.2015 can i still claim death benifit even mu husband not finish to pay his loan from pag ibig?

  8. Hi gracia, yes, even if he wasn’t able to pay off his loan, you can file your claim for his Provident benefit. Since the loan amount is around 80% of his savings, he still has around 20% savings left. The death benefit will be included in the Provident benefit.

  9. Hi po. Sundalo po papa ko and last march 2013 pa po siya namatay. Kakapasa lang po ng mama ko ng mga requirements may pinapirma po siya samin dati pa na waiver of rights pero hindi form ng pag ibig kaya pumirma kami. Possible po ba naiaccept un ng office niyo. And if hindi po, magkakahiwalay po ba ung claims naming magkakapatid. Sana po masagit niyo. Thank you in advance.

  10. Hi Mam.Nacurious lang po kasi kami.Nagfile po kami ng Death claim my father died last Feb.2015.May military service sya at private after niya magretire.Nagtaka lang kami kung bakit 5 thousand lang makukuha ng mother ko,totoo po ba na may makukuha ang mga anak?thank you

Leave a Reply

Your email address will not be published. Required fields are marked *

Working Pinoy © 2008-2014 Frontier Theme