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.

 

DOCUMENTS REQUIRED to FILE A DEATH BENEFIT CLAIM:

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  (Pag-ibig form)
(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:
Passport
Driver’s license
Voter’s ID
Postal ID
SSS ID
Company ID
PRC ID
GSIS e-Card
AFP ID
IBP ID
OWWA ID
OFW ID
SIRB
Seaman’s ID.

You can download the required Pag-ibig claim forms here: PAG-IBIG FORMS

 

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.

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.

795 Comments

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  1. Hi Alfred, tama ka, kasi kelangan pang NSO ang documents — more expensive than local registrar’s docs. Kung marami ang claimants (for example, 9 siblings), at konti lang ang naipon ng member, lugi sa transpo, notary fees at document fees. One time siguro, I will blog about this.

  2. Hi ms Nora, My husband died last June we have a housing loan and he is the principal borrower we are legally married pero walang anak ask ko Lang po Kung san mapupunta ang house loan namin hahatiin pa po ba namin ng na ay Nya yung bahay? Thank you po -novA

  3. Hi Nova, sorry hindi ko sure kung anong ginagawa ng Pag-ibig pagdating na sa house. Usually kasi, based on comments here, pag yong Provident benefit, if the member and the spouse had no children, the benefit is shared by the legal spouse and the member’s parents if still alive. Sabi ng Pag-ibig, in case of death, Fund benefits shall be divided among the member’s heirs in accordance with the New Civil Code as amended by the New Family Code. I have been researching the New Civil Code noon pa, at di ko masyadong ma-digest, since I’m not a lawyer. So I turned to lawyers’ Civil Code summaries, at ganon nga na if there are no children, the widow or widower shares the inheritance with the member’s parents (if no more parents, share with the grandparents; and if no more grandparents, share with the siblings). Sa housing loan form, name of spouse lang ang andoon, but in the list of requirements for claiming the mortgage redemption insurance (MRI), kasama pa rin yong Notarized Proof of Surviving Legal Heirs in which the parents are listed, so ask na lang Pag-ibig. Hope you can share later on. Thanks a lot

  4. Mrs nora, I retired 2 yrs ago and naclaimed ko na yung retirement pay ko sa pagibig fund, ibig bang sabihin noon wala na akong ibang benefit pa at totally separated na ako sa pagibig fund. thank you!

  5. Hi mrs Nora ask ko lang about claim sa cheque due to death of my father.Apat kaming beneficiaries kasama yong mother ko.Ask ko lang if any sa aming tatlong magkakapatid or my mother can claim the cheque. Nalilito kasi kami if kailangan bang kaming apat ang mgpunta sa pag-ibig just to claim the check? or any sa aming apat without bringing SPA and individual ID’s.

  6. Hi Mae, nakaka-puzzle din ang Pag-ibig. Parang iba-iba ang hatian nila ng benefits. Ang alam ko, kapag adults na kayong children, mother nio na lang ang claimant, kasi ganon yong ibang nag-comment dito. Or are you three children under 21? Anyway, kung 4 daw kayong beneficiaries at kung 4 names ang nasa check, dapat andon lahat kayo to claim the check, or isa ang mag-claim bringing SPAs and IDs of other claimants. Call na lang Pag-ibig to ask. If you have time later on, puedeng mag-comment uli kung 4 nga ang names on the check kahit 21 or over na kayo? And thank you very much for your time.

  7. hi mrs nora,i just want to know some info,seaman po ang father ko and he pass away last december,30 yrs po cia sa serbisyo with a minimum of 100$ although hindi continues ang paghu2log kc seaman nga po..i just heard from my mom na nakatanggap cia ng 3000 pesos sa unang bigay then 6000 pesos sa 2nd..gusto ko pong malaman kung magkanu talaga ang porsyentong naku2ha ng claimer sa haba ng hulog ng member at bakit po hindi buo..tq po..

  8. Hi lilybeth, yong 6,000 palagay ko yon na yong death benefit, kasi ang maximum death benefit ay 6,000 pesos. Kung nag-contribute ang papa mo ng $100 or more a month, kahit hindi continuous, dapat malaking pera ang natanggap ng mama mo. Ang Pag-ibig, hindi lang porsyento ang benefit. Dapat lahat ng contributions o inipon sa Pag-ibig plus dividends o interest ay ibibigay sa mama mo. Dalawa ang savings scheme ng Pag-ibig — yong mandatory (usually tig-200 pesos lang ito) at yong POP (puedeng US$; puedeng in peso). Itong POP, itinigil na ang new membership, kasi meron nang kapalit at ang tawag ay MP2, pero yong mga merong POP, patuloy pa rin, at ititigil na kapag ma-claim na lahat. Kung kukunin na itong POP, dapat in US$ din kung in US$ nag-contribute. Baka mandatory savings pa lang ang nakuha ng mama mo. Baka merong POP ang papa nio kasi sabi mo in US$ nagbabayad.
    Meron ding isang possibility: kung nag-multi-purpose loan ang papa nio nang malaki, at hindi nagbayad on time, konti na lang ang natirang savings. Ask your mother to ask Pag-ibig about POP.

  9. gud pm po,,yung bayaw ko po ay nagloan ng bahay,wala pa pong 1 year eh namatay na sya, anu po ang maaari nming gawin para dito.january po xa namatay,may isang anak 8 yrs old.walang asawa,nanay nya po ang claimant
    need your answer po tnx

  10. good evening po. hi mrs. nora i have a question po.
    Namatay po ang papa q june 27 , ako po ang naglalakad ng mga papers for death claim kaya lang po ang birth certificate naming magkakapatid hndi pa po nkaapilido sa knya. illegitimate pa po, tanong ko lng po pwde ko po bng ifill un for req? o need ko pa po ipa ayos sa nso ung leggitimate.. i need ur answer thankyou very much…

  11. Hi maggie, yon sa birth certificates nio ba, nakasulat na siya ang father ninyo? Kasi kung nakasulat siya as your father in your NSO birth certificates, then you can claim kahit iba ang surname nio sa kanya. Maaaring mag-require lang ang Pag-ibig ng Joint Affidavit for Discrepancy in Surnames. Meron bang legal wife ang father ninyo? Was he married? Kasi kung single siya, kasama rin sa claimants ang parents niya, pag sa Pag-ibig. Meron ba siyang legitimate children? Kasama rin sa claimants sila kung meron.

  12. Hi jona, yong bayaw mo ba ay diretso sa Pag-ibig na siya nagbabayad ng amortization? Meron kasi yong naghuhulog pa lang ng down payment sa developer at di pa nai-apply sa Pag-ibig ang property, kaya nagtanong ako. If sa Pag-ibig na nagbabayad, then his mother can claim the house. Ang magbabayad ng balance ng housing loan ay yong MRI insurance company. Dalawang claims ang i-file niya: yong sa house and sa Provident benefits (savings plus dividends plus death benefit). Kuha siya ng mga forms (Application for Provident Benefits, Proof of Surviving Legal Heirs at Affidavit of Guardianship) at list of required documents sa Pag-ibig. Application for MRI/SRI Claim form yong sa house claim.

  13. Yes mrs nora pangalan po ng papa q ko ang nkalagay sa birth certificate. d pa po kc sila kasal nung pinanganak kming magkakapatid kaya apilido po ni mama ang nka lagay s surename. 2004 po cla naikasal ni mama. yung bunso ko pong kapatid ay 18yrs old.. Bali mag fill nalng din po ba ako ng affidavit of descrepancy in surename? Mrs nora ganon din po ba ang magging case pag nag fill po ako sa GSIS?? thank you po so much your your response.. more power and more blessing.. thankyou hintay ko po ulit ang mgging sagot mo po..

  14. Hello Ms.Nora. Namatay po ang kapatid ko march 3,2005..ako po ang naglalakad ng mga papers for death claim sana. kaso nakita ko po kung san sya nakpaghulog dun din po pwedeng i file..kaso lang andito po kami sa probisya namin,sa Iloilo.mahirap lang po kami..tapos nanay ko maysakit pa po..ano po ang pwede kung gawin?salamat po.

  15. Hi madelyn, puedeng mag-file diyan sa Iloilo. Kumpletuhin mo ang papers tapos makiusap ka sa officer na paki-send sa Pag-ibig branch ng kapatid mo. Saan ba nag-work ang kapatid mo para i-research ko kung saang Pag-ibig branch sila nagreremit. Single ba ang kapatid mo? Kung single, ang claimant ay ang parents nio. Ikaw ang mag-file pero sila dapat ang mag-sign ng mga papers. I will send you the forms.

  16. Hi frenz, average ay 3 weeks to one month. Mas matagal kung nagtrabaho in different cities at different Pag-ibig branches na-remit ang contributions.

  17. Hi mrs nora pwede pa po ba makakuha ng death claim ang lolo ko kasi namatay sya aug.21,2011 tapos matagal na syang hindi nakapaghulog sa pag ibig? At kung pwede pa po maka claim,pwede ba ang mama ko ang mag asikaso kasi only child lng po sya. Salamat po

  18. Hi pearl, kung nakuha na ng lolo mo yong Provident benefits niya noong nag-retire siya, sorry wala nang makukuha pa. Ang death benefit ay naibibigay lang kung hindi pa nakukuha yong retirement benefits. Kung hindi nio sure kung nakuha na, you can go to your lolo’s Pag-ibig branch with your IDs and ask

  19. Ms. Nora, sa pag ibig makati branch ang mom ko, then when she died, sa pag ibig lipa ko po finile yung death claim. Last june pa po. May chance na nasa lipa na po ang check and ready to release? May 3mons.na din po kasi. Or mag aantay po ako ng text from pag ibig lipa? Thanks po

  20. Dear Ms. Nora, Kamamatay lang po ng father ko last June 29,2016. Kasal po ang mother ko sa father ko sa Muntinlupa City. Nung nag-verify po ag mother ko sa NSO and sa Muntinlipa lumabas po na walang record of marriage sila but meron kaming original na marriage cert na hawak. Ang question ko po is, mas madali po bang magfile if single ang magiging status ng Father ko at ang magiging claimant ay kami ng brother ko since both of us have a valid NSO birth certificate..Whereas kung married ang idedeclare ko wla kami maipapakita na NSO marriage cert ng father and mother ko since lumalabas na di nakaregister yun marriage nila..Please help us.

  21. Hi Cherry, meron bang at least 36 monthly contributions ang papa mo? Kasi kung meron, mas maganda kung mother mo ang mag-claim para mag-pension siya. Tinanong nio ba sa Muntinlupa City registrar kung paano ang late registration ng marriage? What did they say when you showed the marriage cert? Yon bang nagkasal sa kanila, puede nio pang mapuntahan to get an affidavit na ikinasal nga sila on a certain date and place at sabihin yong reasons why the marriage cert was not registered, para ma-file nio sa Muntinlupa registrar for late registration. Magtanong din sa registrar muna kung ano ang process ng late registration of marriage.
    Halimbawa lang hindi talaga valid yong marriage cert, ang status ng father nio ay single or unmarried. Pag ganitong unmarried, ang beneficiaries ay minor children. Kung wala nang minor sa inyo, ang susunod na beneficiaries ay parents ng father nio (your grandparents, fatherside). Kung wala nang grandparents fatherside, ang beneficiaries ay yong kung sino ang mga nakasulat na dependents or beneficiaries sa record ng father ninyo sa SSS. Kung walang nakasulat, kayong adult children ang beneficiaries (lump sum at hindi pension, kasi secondary beneficiaries ang mga adult children). Ask others too. Puedeng mag-comment ka later on kung sino ang nakapag-claim? and thanks

  22. Hi Nora, my papa died last 2012. bumalik agad kmi ng Japan kaya di na process yung death claim nya. Nakapangalan sa kanya yung bahay namin. pag iprocess paba namin sa ngayon yung mga requirements may makukuha paba kami? Naka usap namin yung isang agent ng Pag-ibig na basta i file lg namin yung mga requirements. Dalawa kming mgkakapatid, 17yrs old yung bunso. Hope to hear from you soon! Thank you.

  23. Hi poh maam..goodday poh
    Pano poh.pag overseas ang namatay at sa ibang bansa siya nag huhulog ng.pagibig

  24. Hi Chelitah, yes, sure, puede pang mag-claim. You did not mention your mother. Kasama siya sa pag-claim if she was married to your father. Submit these: Application for Provident Benefit Claim, Orig and photocopy of your IDs or passports (at least 2 IDs each), Proof of Legal Survivors, Affidavit of Guardianship (are you 18 or older? Ikaw ang guardian ng kapatid mo), NSO death certificate of your papa, your NSO birth certificates, if your papa was not married, kuha na rin ng NSO Cert of No Marriage. And if your papa was not married, baka ka-share nio pa yong parents ng papa mo, so you also need your father’s NSO birth certificate, at kung grandpa and grandma are both alive (fatherside), baka pakuhanin pa kayo ng NSO marriage cert nila.
    You mentioned a house and an agent. Did your father take out a Pag-ibig housing loan? Mag-file din kayo nito: Application for MRI-SRI claims, para ma-claim nio yong house. The insurance company will pay the balance of your father’s housing loan. Tanong ka na lang uli kapag merong parang malabo. You can see how the claim forms look like here: Pag-ibig claim forms. I’ll email you the MRI/SRI claim form para makita mo yong requirements nitong MRI claim para minsanan na lang ang pagkuha sa NSO.

  25. Hi Nada, pag nagregister ang member online and paid from abroad, sa Buendia Makati ang branch niya. But if you’re in the province, you can file at the Pag-ibig branch there. Ifo-forward nila sa Makati ang claim nio. The NSO death certificate is required so dapat yong death certificate from abroad ay dapat ma-register muna sa NSO.

  26. Hi Ms. Nora My husband is a police officer, he died last July 2016, Nag 1 year plang sya last July 2016 in service, sabi po sa kin sa finance my mkukuha po daw aq sa pag-ibig fund na burial. Nkita q pa sa payslip nya my mga deductions sa pag-ibig pero wala po syang pag-ibig mid #.

  27. Hello po, my husband died last august 27, 2016, but before that ngfile n po kmi ng provident claim pero hindi pa po mrelease dhil kelangan pa po ng cert of foreclosure dahil po my housing kya ngfile din po kmi sa pagibig ng cert of foreclosure nong march 2016 pero hindi n dw po mkita yng file namin ng mgverify kmi kya ngfile ulit kmi august 22, 2016, pano n po ang proseso e namatay n yng member. Tnx po

  28. Hi Julie, sad to know about your loss. Pag hindi mo mahanap sa records niya, puede mo itong tanungin sa Pag-ibig na mismo. Plan yong pag-claim mo para hindi masyadong magasto sa transport kasi kung one year lang siyang nag-contribute, around 2,400 lang (200 pesos x 12), then mga 2,400 din lang ang death benefit, so around 4,800 lang. Dividends na yong dagdag. Prepare mo na lahat ng docs para after you get the Pag-ibig MID, isulat mo lang, then file your claim. Isang biahe lang.
    By the way, pala, meron kayong anak? I asked kasi kapag walang anak, based sa mga comments dito, ni-rerequire daw ng Pag-ibig na ka-share mo ang parents ng husband mo o kaya siblings if wala nang parents. So kelangan din ng birth certificate ng husband mo at according to comments, marriage certificate din ng parents, if both are alive. Puedeng mag-comment ka if wala ngang anak.

  29. Hi Edna, go back to where you filed and ask kung na-process na ba yong claim nio, at kung hindi pa ay tanungin nio kung puede bang ma-retrieve ang documents nio para makapag-refile kayo kasi namatay na yong member. Kasi merong additional 6k na death benefit kapag ang filing nio ay death claim.

  30. hi Ms. Nora, mayron po kming anak, nagtry po akong mg online registration sa pag-ibig para malaman ko kong myron syang mid no.d b po pag may mid # na ito ung nakalagay “The information you have entered already exist.

    Proceed to the nearest Pag-IBIG Member Services Office (MSO)/Member Services Branch for registration/further verification/ completion of MDF/issuance of Pag-IBIG MID Number.

    For immediate concerns, contact the Pag-IBIG Hotline.

  31. Hi julie, yes, you’re right. Pag ganyan ang response, it means nagregister na noon ang husband mo at meron na siyang Pag-ibig MID.

  32. ung case po ng husband ko is na oonline q po sya, ibig sabihin po wala po syang pag-ibig mid #. anu po ung mabuting gawin q?

  33. Morning MrsNora nmty father q last june 2015 e mtgl n po cla hwly ng mother q po e tntnung po nla s kn kng ng member b s pag ibig c ppa..e d q po alm pero my sss po xa.pnu q po b mllmn kng member po xa at my mkkuha p po b aq bnefits kng meron po ..kc wla n dn po c mama only son lng po aq.tnx po

  34. Hi anthony, you can find out. Visit the Pag-ibig branch nearest where your father worked the longest or last. Bring your ID, birth cert (to prove you’re the son) and your father’s death cert and ask about your father’s Provident and death benefits. Kung wala doon sa branch na yon, you can call the Pag-ibig hotline 724-4244 and ask. If there are benefits, yes, you’re the only one who can claim, except lang if your mama was able to claim it by herself before she passed away.

  35. good afternoon po, my father passed away last 2010, may naclaim po kami na death benefit claim, kasama na po kaya dun yung total accumulated value plus dividends sa contribution niya? if hndi po, possible po ba na may maclaim pa kami? thank you po,

  36. Hi gwen, magkasama na naco-compute ang provident benefits at death benefit. Isang claim form lang ang ginagamit–yong sa provident benefit claim form. Merong death benefit addition sa lowest portion ng form. Ganunpaman, check nio if your father’s name is in this list: http://pagibigfund.gov.ph/home_pdf/LIST%20OF%20UNCLAIMED%20MEMBERS'%20SAVINGS%20(PROVIDENT%20BENEFIT%20CLAIM).pdf. Ang maximum death benefit ay 6,000 lang. This maximum amount is added if the provident benefits total is 6,000 or more.

  37. Hi Nora – My mother died last September 20, 2016. I just want to know if ever nakuha na nya yung contribution nya (+dividends) — sorry I do not know what does it called, pwede parin bang magapply for death claim?

  38. Hi Ken, was your mother already a retiree for a long time before she passed away? Because if she has stopped working and has retired long before, it’s most likely that she has claimed her Pag-ibig benefits. If she has already claimed her benefits when she retired, there is no more death benefit to claim. You can call 724-4244 to ask, or you can visit your mother’s Pag-ibig branch with your ID, her death cert and your birth cert and ask.

  39. Good morning mam Nora, tanong ko lang po if qualified pa po ang aking mother sa pagclaim ng death benefits? Nagretired po siya noong 2009 as public teacher at namatay ngayong September 14 2016. Wala na po kasi lahat ng papers niya at ID sa paibig. Paano ba namin malalaman na qualified pa siya sa pagclaim ng death benefit dito sa PAGIBIG?

  40. Good morning mam Nora. Tanong ko lang po if qualified pa po ang aking mother sa pagclaim ng death benefit dito sa PAGIBIG? Nagretired po siya noong 2009 as public school teacher at namantay nitong September 14,2016. Wala na po kasi yung mga papers at ID niya sa pagibig. Paano ko ba malalaman na qualified pa siya sa pagclaim ng programa ninyo sa death benefit?

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