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 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

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