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
(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.

771 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

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