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  (Pag-ibig form)
(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.


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  1. Hi Ms. Nora My husband just passed away last Monday, 4 October. We remembered that he was a member of PAG IBIG when he was still in the military but that was 10 yrs ago. We were married then but he applied as single in the military since that was the requirement. Now, we don’t know who are his beneficiaries. Is it possible to ask PAG IBIG thru online since I’m living abroad? Thank you..

  2. Hi Mari-Grace, Pag-ibig ba ito? Walang pension ang Pag-ibig. Yong Dad nio ba hindi pa niya nakuha ang Pag-ibig retirement benefits niya before he died? I asked, kasi kung nakuha na niya, wala na kayong ma-claim pa from Pag-ibig. Pero kung wala pa siyang kinuha noon, you should file your claim. Yes, you can file at the nearest Pag-ibig branch, kung malayo yong branch where your father’s company remitted Pag-ibig contributions. Check the required documents in the post above.

  3. Hi Fely Mae, Pag-ibig follows the Laws on Succession in the New Family Code — this means it does not prioritize the list of beneficiaries listed in the membership form. If your husband did not claim his benefits when he was still living, you and your children are the claimants. If you have no children, you and your husband’s parents are the claimants. You can file through a representative whom you will empower with a SPA

  4. Hi po, ask ko lang po sana if kailangan pa po ba yung certificate of employment para makuha yung sa death claim. Meron na po kami ng lahat na nakalgay na requirements yun nalang po wala

  5. Good day! I chance upon this thread searching for answers..Hope you can help question is, What will happen po sa bahay na naka-loan sa pag ibig pag namatay ang member? Malaki pa po ang kulang. Thanks po in advance

  6. Hi Winnie, kung updated ang pagbabayad sa housing loan, mag-file kayo ng MRI claim sa Pag-ibig para yong insurance company ang magbayad nang full sa balance ng loan, at mapapasainyo na yong house and lot. You will claim the title from Pag-ibig after processing. Kahit merong mga months na hindi nabayaran nong nabubuhay pa ang member, basta hindi pa na-foreclosed, puede pa ring i-claim yong insurance. Pababayaran sa inyo yong mga dapat nabayaran when the member was alive, tapos, the rest, babayaran na ng insurance. I will email you the form. Puede niyong kunin ang mga forms sa Pag-ibig, pati na yong pag-claim nio sa Provident benefits.

  7. Hi addi, kung hindi pa nakuha ng mother nio ang kanyang Provident benefits nong nabubuhay pa siya, yes, puede pa kayong mag-claim. Pero kung nakuha na niya noon ang Pag-ibig savings niya plus dividends, sorry, wala nang makukuha na death benefit. Kung hindi kayo sure, you can call Pag-ibig 724-4244

  8. My mother died last Feb. 6 this year. Pero di pa kami nakakapag submit ng requirements and forms sa Pag Ibig. Pwede pa kaya mag submit kahit months na ang nakalipas? Thank you.

  9. Hi! Ask ko lang din po, similar sa question above. Namatay na po yung pag ibig member and may housing loan pa siya, then may forclosure order na po. May habol pa po ba kami sa bahay namin? Last na hulog po nun i remember was 2006, since nagkaaakit na si member by 2007

  10. Hi Jhaye, na-foreclosed na ba? or ifo-foreclose pa lang nila? Punta kayo sa Pag-ibig ASAP, and ask about the status of your housing loan, baka puede nio pang mahabol. Bring your IDs and the member’s death certificate (if meron na). Kung na-foreclosed na, ask them how you can redeem it.

  11. Hi Mitzi, yes, puedeng-puede, kahit marami nang months ang lumipas. There’s a 10-year period for filing most civil claims, pero siempre file as soon as you have the documents.

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