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 amador, processing time varies for every claimant and I really cannot give you an accurate estimate. If there are no documentary problems or no problems with claimants, claimants can have their benefits in 2 to 3 months (based on claims I know). Much much longer if there are problems with the claim.

  2. mam ung father ko po ay patay nya and dati po siyang pulis e hinahanapan po ako ng payslip nya e san nmn po ako kukuha nun e wala ng ganun ung father ko?

  3. Hi fatima, in their list of requirements, one requirement for AFP employees is Statement of Service or Order of Retirement. I don’t know why they need a payslip. Maybe they want to see if there’s Pag-ibig deduction in his payslip. Have you completed the usual death benefit requirements? Find if there’s another document you can show that proves your father’s PNP employment.

  4. hi po,ask kolang po my husband namatay nong june 24 2014 dun sa saudi at pagkaalam ko member sya sa pag ibig,at may una syang pnakasalan at kasal din kami,at ang mga kids nya sa una ay ako napo nagpalaki at may anak din kami 1,may makukuhapoba akong benefits or ano papo ba?

  5. Hi. Just wanna know until when I can file my husband’s death claims for pagibig? We lost him almost a year now. Please response. Thank you.

  6. Hi Ma’am. My mother died Nov of 2011 and I havent had the time of filing for her death claims. Can you please confirm if there is an expiry? Can we still claim it?

  7. Hi Ellen, is the first wife still alive? Did they have a marriage certificate? If still alive and they were legally married, then your marriage certificate is not valid. Is the first wife filing her claim? If not, you can file your claim and let Pag-ibig decide if your claim is valid or not. All the kids (with the first and with you) are valid beneficiaries.

  8. Hi Lany, you have 10 years to file your claim. But of course, it’s better to claim earlier. Death benefit claim is part of the Provident benefit claim.

  9. Hi Shiela, if your mother did not claim her Provident benefits before she passed away, you can claim her Provident benefit (death benefit is included in the Provident benefit). You have 10 years to file your claim, but it’s good to claim earlier.

  10. hi mam.namatay po ang father ko nung june 28 2014,at anak nya po ako,pwede po ba na ako nalang yung mag ayos ng pag ibig death claims nya.

  11. Hi elsa, yes, you’re one of the claimants, so you can file your family’s claim (you, your mother and your siblings).

  12. good day Ma’am/Sir…ako po naatasang magfile ng Death Claims ng aking brother in law.Single po sya.matanda na po ang aking inlaws both at unable na rin.wla ho kaming idea kung sino ang legal heirs nito..pero siguro naman ang mga inlaws ko dahil single po sya…ano po ba ang dapat kong gawin para malaman namin ang legal heirs nya,bago ko i fullfill ang mga requirements nito…pwede ba akong magtanong sa office at ipakita ang membership I.D nya?

  13. HI, just want to inquire. my husband died with a salary loan at your agency, will it be deducted from our claims.

  14. Hi ruth, yes, your husband’s loan balance will be deducted from his total savings/dividends plus death benefit of 6k (if his savings/dividends total is equal or more than 6k.

  15. HI good morning namatay po yung mother ko noong april 28..anak nya po ako pwede po kaya na ako ang mag ayos ng pagibig nya sa pasig po sya namatay pwede kaya na dito ko ifile yung pagibig death claim nya sa quezon province… O yung father lang po nmin ang pwee magclaim… Thank you po

  16. Hi Arra, it’s best if you file your claim at the Pag-ibig branch where your mother’s records were filed, usually the branch nearest the place where she worked. The main claimant is your father, but if he is not able to file, you can file in behalf of your family since you’re one of the claimants.

  17. Hi angie, there’s a death benefit of up to 6k pesos, but it’s given at the same time as the provident benefit (same claim form).

  18. mam ask ko lang po!namaty po yung husband ko last june 2014,tapos married na kami at may mga anak.Ask ko lang po f diretso po ba yun sa akin at sa mga anak ko kasi married na kami.Kami p ba ang direct benificiaries?

  19. Hi ehmie, yes, you and your children are the beneficiaries. Present your marriage cert and your children’s birth certificates plus the other required documents.

  20. May na assume po ako property sa pag ibig, namatay po ang principal ng srpt 2011, nalaman lang namin na namatay april 2014…nakuha na po namin ang titulo na nakapangalan sa namatay kc binayaran na c pag ibig ng mri/ insurance. Paano po ang refund ng monthly amort from time of death from sept 2011- april 2014….pabalik balik kami pag ibig wala sila maisagot.

  21. Good pm. My father died last june 1, 2014. I don’t know his pagibig id number. How can I file my claim for death and provident benefits? What are the requirements? Thanks

  22. Good pm. If a member has already claimed his GSIS benefits, can he still claim death benefits and provident benefits from Pag-ibig? Thanks.

  23. Hi Marita, GSIS and Pag-ibig are separate institutions. You can file your claims for both GSIS and Pag-ibig benefits.

  24. Hi Marita, you can file your claim even if your don’t know his Pag-ibig no. You can verify his Pag-ibig no. by going to the Pag-ibig branch nearest where he worked. Bring your IDs, birth certificate, and your father’s death certificate. See the required documents in the list above.

  25. Hi Ms. Nora Good day. My Mother died last Sept 29 2013. iam 28yrs old and my brother was 11 yrs old. seperated na po sila ng father ko since i was 3yrs old. we dont know kung nasan na xa. ask ko lng po..
    1. kung pde naman na ako na ang magfile ng death claim benefits ng mommy ko sa pagibig?
    2.same lng din po b ang mga requirements?
    3. How long po ussually ang process lng claims pagnaifile na po ung mga requirements

    Thanks Ms. Nora! i hope you can answer my inquiries =) God Bless

  26. Hi Mark, 1. Yes, you can file because you’re one of the legal beneficiaries. 2. Yes, same requirements as listed above 3. Processing time varies from 1 month to 2 months or more.
    What will be difficult is that Pag-ibig will ask you to get a waiver to the Pag-ibig benefits from your father, or proof that he has passed away. Or is there a possibility that they did not get married? (which will then make you and your brother the only beneficiaries). If they were married, Pag-ibig is wary that your father will surface to file his own claim. But ask Pag-ibig what you will do to prove that you’ve never seen your father since you were 3 years old. Will be back if I find more info.

  27. Hi Nel, you’ll receive your SSS pension for life as long as you don’t marry again. Your kids will stop receiving theirs when they turn 21.

  28. Hi mhar, yes, if you haven’t claimed your father’s Provident benefits, yes, you can file your claim even if 2 years have passed since his death. The total Provident benefits include savings, dividends and the death benefit.

  29. hi po.. ask po lng if ung birth certificate of illegitimate child is from nso din?
    and ung death certificate po ai wla p s nso dhl k2matay lng po, panu po un?
    tnx po..

  30. Hi. inquire again, his pag-ibig salary loan was not deducted from his salary until he passed away. Who made the lapse? I’m hesitant in filing my claim because the benefit might not be even enough to pay his loan.

  31. Hi ruth, the good thing about pag-ibig loan is that when its term is over and still unpaid, the total amount is offset with the total savings, so the penalties are not accumulated, unlike SSS loan. You can go to your husband’s Pag-ibig branch with your ID, marriage cert and your husband’s death cert and request for a copy of your husband’s TAV, so you can see if the loan has been offset. There’s also a death benefit of up to 6k, so I think it’s worth filing your claim. Plan the way you collect documents to save on transpo costs.

  32. Hi Mhona, yes, you can get birth certificates from NSO, whether those of legitimate or illegitimate children. Pag-ibig specifies NSO-certified death cert so you have to wait, but if you like, you can ask your local registrar on how to expedite the process.

  33. Hi rowena, if you haven’t claimed your sibling’s Provident benefit (savings plus dividends), yes, you can file your claim. The death benefit is part of the Provident Benefit.

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