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.

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