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, we were curious so we filed a Death claim. my father died last Feb.2015. He had military service and private service after he retired. We were puzzled why our mother got only 5 thousand. Is it true that the children can get something? thank you

  11. Hi poh…ma’am,my husband died last 2011,,ang naclaime q lng poh is ung burial nya…aside from that my makukuha pa poh ba akong lansum??my nkpagsv poh kz skin na bukod sa burial may makukuha pa daw poh aq….tnx poh…

  12. Hi po! May I ask po once I have passed all the requirements and completed all, how long will I wait before I receive my death claim? Thank you po.

  13. gud pm po. my husband died last march 2 2015. I claimed only the burial benefit. Aside from this, is there another benefit for me and my child to claim even if he died 8 months ago? thank you

  14. Hi Elizabeth, if the husband claimed all his Provident benefits from Pag-ibig when he retired, there is no more benefit to claim from Pag-ibig. If you’re not sure, you can call Pag-ibig 724-4244

  15. Hi Perlas, do you mean you already have received benefits from Pag-ibig? If yes, you already have received your husband’s benefits. The death benefit and Provident benefits are given at the same time, in a single check. If you have doubts, call Pag-ibig 724-4244

  16. Hi Angelou, usually it takes 3 weeks to 1 month. You can call Pag-ibig after 1 month for follow-up: 724-4244

  17. Hi po, I filed po our death claim last monday. It was my papa who died. I want to know if the death claim and burial claim are one and the same? I lined up only at the provident lane . I was not able to ask because I didn’t know. What are the other benefits given to a member who died? thank you po

  18. Hi Yeye, the death benefit and burial benefit are one and the same. Pag-ibig calls it death benefit. This death benefit is included in the Provident benefit. Look at the Provident form that you filled up; look at the lower portion, and you will see that the death benefit is included in the computation. Did your father avail of a housing loan? If not, the benefits are only the Provident benefit (savings or contributions plus dividends) plus the death benefit (maximum of 6,000 pesos).

  19. hello po. May I ask about the procedure and requirements for mom’s unclaimed pensions. since july or aug 2013 to nov 2015, my mom was not able to withdraw her pensions from her deceased husband (my stepfather). last nov 28, 2015, mommy passed away. can we claim her unclaimed pensions when she was still alive?

  20. Hi rosell, yes, you and your siblings can claim. But why was she not able to claim her pension? Did she not file her annual ACOP form? Was her atm card damaged? You can go to SSS with your ID, your birth certificate (to show relation to your mother), your mom’s death cert and pension papers (proof she’s a pensioner) and make inquiries on how to file your claim.

  21. Hi

    Namatay po ang lola ko last dec 22 she is a retired teacher ano po mga requirements kailangan ko para mkakuha ng death claims and burial


  22. Hi miss Nora. Namatay po husband ko last July 2012 at till now Hindi ko pa po na file yung death claim nya, possible po paba na may makuha ako kahit more than 3years na nklipas?another question po saan branch po ako pweding mag file ng death claim, my husband had multiple employer po kc at di ko alam kung saan branch nag rerimet ang huling employer nya . ang pagkktanda ko sa alabang branch po ng restaurant ng company po nila sya huling pumasok. But the main office po ng company nya ay nasa green hills. Salamat po

  23. Gud day po. My husband was a regular employee since 1989 to 1991. I have no idea if he had pag ibig that time he passed away. last january I wanted to verify if he had pag ibig. What should I do?

  24. Hi ligaya, you can visit the Pag-ibig branch nearest where your husband worked and ask about your husband’s TAV (total of accumulated values). Bring your ID, marriage cert, your husband’s death cert and a list of companies where your husband worked, including employment dates. If your husband’s records are not in the branch you visited, ask them the probable branch where you can visit next. Another option is to call 724-4244 and ask which Pag-ibig branch has your husband’s records.

  25. Hi kathy, your mother will be the primary claimant. If you’re younger than 21, your mother can give you your share.

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