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.

407 Comments

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  1. Hi Nicka, sorry I don’t now if they will split up the check. Based on other people’s experiences, if the beneficiaries are magkakapatid, isang check lang for all. Pag 2 children (one legitimate and the other is illegitimate), 2 checks. Siguro 2 checks sa inyo. Tanungin mo na lang pag-submit ng claim. Baka puedeng ikuwento mo rito later on kung paano hinati ang check. thanks and regards.

  2. HI good afternoon, my brother died last June, he had a wife and 3 children, at the time he died he is unemployed but when i check to pag-ibig he had a contribution and his employer remit in Caloocan city branch,his wife ask me to claim for the death benefits of my brother because the wife is in the province and can’t go to Caloocan just to claim.. is it possible if I’m the one who will claim the death benefits ? if yes what are the requirement? Thanks for the help

  3. Hi Majoy, yes, you can claim in behalf of your sis-in-law, but you need a Special Power of Attorney. You can use the Pag-ibig form for SPA. If your brother worked in other companies in another city, it’s also wise to ask the Pag-ibig branch there if your brother has contributions there, then request for consolidation of contributions. The list of required documents are in the list above.

  4. How do you compute for the total claims and dividends if an OFW made contributions of $20 each month for period Jul2004-Jun2006? Contributing stopped as he has completed 2 years of payment. ? This year, 2013, he was told that he can no longer use this for any loan because of what reason, he was not told. However, the Pag-ibig staff said he can still make a claim but the accumulated interest of the amount will only be until 2012. Will the exchange rate of USD to PHP during the years 2004-2006 be used? At that time it was $1 = PHP56.

  5. Hi Tonette, since this OFW you’re asking about started his POP in July 2004 (Circular 319), he’ll receive his total savings in PHP at current rate. The average dividend rate is 5%, so I think his dividends over the years will more than offset the drop in exchange rate. About the issue of POP no longer used for housing loan — this is because P1 has become mandatory for OFWs. It’s P1 that’s used for housing loan. He can register for P1 if he wants a housing loan.

  6. Hi.. Ask ko lang kailangan ba tlaga byaran ang arrears kahit na nkapagpas na ng requirements sa HDMF for MRI? Ani pi ang mangyayari kung my arrears na dlwang buwan bago nkpag submit ng mga rquirements?

  7. Hi maricel, sabi naman sa rules nila (nasa benefit claim form), ibabawas yong arrears sa Provident benefits, so okay lang na hindi na bayaran, kasi nakapag-pass na kayo ng requirements for your claim, at baka kasi pina-process na yong claim ninyo. Pero you can still go to your Pag-ibig branch and ask if you can still pay your 2-month arrears. By the way, when you say 2-month arrears ay 2 months na hindi nabayaran bago namatay ang borrower?

  8. sir madam,
    ask ko po sana anak ko nakapaghulog sa pag ibig 5months namatay ng june 1 may makuha po bang death claim.benefeciary nya po kapatid nyang 12 yrs old.

  9. Hi jean, single ba siya? Kung single, kayo na magulang ang beneficiary. Pero dahil 5 months lang na hulog, baka 2k plus lang lahat ang benefit, kaya sana tipirin ang paglakad sa documents. Almost 200 pesos na yata ang isang NSO document. Yong Pag-ibig forms, puedeng magpa-download at mag-paprint o magpahingi. Kung 200 per month ang hulog, 200 x 5 = 1k; ang death benefit ay 6k dapat, pero kapag hindi lumagpas sa 6k ang hulog, same amount lang sa hulog ang death benefit. Wala pa akong nabasa na nabago na itong rule na ito.
    Requirements: NSO death certificate, NSO birth certificate, Funeral receipt, Notarized proof of surviving legal heirs (form from Pag-ibig), Application for Provident Benefits Claim (form from Pag-ibig), Certificate of no marriage from NSO (if single), 2 valid IDs ninyo.

  10. Sir ask ko lang po if possible po ba na ipaconsolidate ko ung contribution ng brother ko na namatay from caloocan to buendia pag-ibig para sana di ako mahirapang magprocess ng death benifits nya.. completo na kasi ako ng document including power of attorney from his wife.

  11. Hi Majoy, kung meron siyang contributions sa Buendia branch, ang alam ko puede. Pero kung wala, hindi siguro. One time lang naman siguro ang pagpunta mo sa Caloocan branch if your documents are complete. So check the requirements, as listed in the main death benefit claim form

  12. Good day
    My mom died last feb 2,2013 nabanggit nya n may loan p cya ng 20k meron pa rin b kmi marerecieve na provident plus death claim.

  13. Hi maris, yes, meron pa, kasi hindi naman pinapa-loan lahat ang total savings. Pero planuhin ang pag-ipon ng docs para di masyado magasto. Pag magpa-notary, find yong mga around 150 pesos lang. Check docs required sa list sa Provident Benefit claim form

  14. hello po, my bestfriend died july 18, 2013, she is single and both her parents are deceased. can anyone of her sister claim her pag ibig benefit. kasi di po nila alam who is the beneficiary of their sister.

  15. Good day Sir/Ma’am:

    Tanong ko lang po.may makukuha po ba kaming death claim sa father ko .kahit may loan na hindi na bayaran ?hindi na po sya nka contribute.nka contribute napo xa 60 months.Sino po ang pwd matawagan.

  16. Hi ivy karen, yes, your family can claim. The main beneficiaries will be your mother, you and your siblings. Meron pa kayong make-claim kasi hindi naman pinapa-loan lahat ng savings, at meron ding 6k death benefit. Visit your father’s Pag-ibig branch with your birth certificate and ID and ask for forms and advice. If you don’t know which branch, call your father’s last employer and ask which Pag-ibig branch they’re remitting to.

  17. Hello,

    Just want to ask my mother died august 3, 2004 and my father died last may 2013. Can we still get a death claims for my mother and father?

  18. Hi Jeffrey, kung hindi pa kinuha ng mother and father ninyo ang lahat ng Pag-ibig savings nila before they passed away, meron pa kayong makuha na savings plus dividends plus death benefit. Pero kung nakuha na lahat at wala nang natirang savings, sori wala nang death benefit. If you’re not sure, you can go to the Pag-ibig branch nearest where they worked and ask. Bring your IDs, your birth certificate and the death certificates.

  19. Yes. Hindi pa nila nakukuha. And possible ba na sa mandaluyong branch na pagibig ako mg inquire since yun ung malapit saken n branch,

  20. Hi Jeffrey, yes, you can inquire there about the claim process and ask for claim forms, but they cannot process your claim if your parents’ records are not there. Sadly, Pag-ibig records are not yet centralized.

  21. Hi miss nora
    My father die last year… Pwede ba kami magfollow up or to get money nya sa sss…. Kahit na sabihin na …..

    Meron pa kami nanay,, but matagal na kami na abndon,, at hindi namin alam kung saan sya…. My father die last year dec 2012…. At hindi namin alam kung paano namin gawin o ehprocess ang sss nya… Mahirapan ba kami… I papatrol pa namin nanay namin para makita sya at sya ang kukuha…

    Thank

  22. Hi Jane, puede ninyong i-prove sa SSS na ang mother ninyo ay hindi dependent spouse ng father ninyo. Spouse siya, pero hindi siya dependent, kasi nabuhay na siya ng sarili niya. Punta na lang sa SSS at tanungin about death benefit claim, na kung puede na kayo ang mag-affidavit (sinumpaang salaysay) tungkol sa pag-abandona ng mother nio (na inabandon kayo ng mother ninyo nang maraming taon, hindi nio alam kung saan na siya, at ni minsan hindi kayo pinuntahan, at wala silang contact ng father nio thru letter, phone, or any other kind of communication, etc., or kelangan pa bang magpagawa ng mga Joint Affidavits from neighbors or barangay officials. Bring your IDs, death certificate, birth certificates.
    Kung merong younger than 21 sa inyong magkakapatid, siya ang primary beneficiary. Pero kung older than 21 na lahat, lump sum na ang makukuha ninyo.

  23. Hi, my father died last 2002 and we were given burial benefit worth 20,000 by sss..Doea that mean he was a SSS member? i think so.. How wld i know if his beneficiary is my mother who live in the states? its been 11 years and i think my mom shld check this regarding her benefits.. Where to check and what would be the requirements? many thanks

  24. Hi Cielo, yes, your father was an SSS member. But I have doubts now because the 10-year prescription period for claims is over. But you can ask SSS, there might be exceptions. You can go to the nearest SSS branch with your ID, birth certificate, your father’s death certificate (if you have) and ask about your father’s death benefits

  25. Hi. My husband died on Feb this year. We have an existing housing loan of which I am the principal borrower as suggested by the developer since I have a higher income and would have a higher chance of approval. We are both PAGIBIG member. I filed and claimed disability benefits for him last year only even if he got sick in 2010. Can I still claim other benefits like for death and burial? Is there any discount for the loan relative to its insurance? My husband signed under Marital Consent but the title (TCT) is under Sps category. Thank you and more power.

  26. Hi Bettina, sad to say, if you have claimed his provident benefits last year due to total disability, then you already got all his savings, so there’s no more death benefit to claim. This benefit is only up to 6k. Pag-ibig has no burial benefit.
    If your husband was a co-borrower (he submitted income and personal info papers), your housing loan can be reduced by the % of his contribution to the required income in the loan application. But to be sure, because I might have missed some things, visit Pag-ibig para sure.

  27. Hi po GudAm.. Just wanna ask po nakapag pasa na po ako ng mga requirements sa Pag-ibig regarding the housing loan. Pro bakit may mga letters parin po akong natatnggap regarding monthly amortization po. Ano pong ibig sabihin nito? Tapos may nkapagsabi naman po sa akin na tga pag ibig na f evr patay na ung barrower kc housewife lang po ako na kailangan pag my pera ung bank account na ibinigay namin kc by checks pa po un eh. Kailangan e withdraw ung pera or hindi na maghulog kc patay na nga.. At alam na nila yon. Bakit may mga letters pa din po akong natanggap? Thanks po

  28. Nag ka arrears lang po nong time na nmatay yong asawa ko. May 14 2013 po xa nmatay. Last april 2013 po yong last kaming nagbayad ng amortization. Pag May 2013 po sya namatay. At mula May hindi na po nkpagbyad kc nga po patay na sya. Sya lang kc ung sole barrower. At alam na po yon ng dveloper ung nangyari pag May pa lang at na notify ko na po ung Pag-ibig nung june. At july na po ako nkapagpasa ng mga requirements kasi sa mnila po nka based yong bahay at record nya. Nasa cbu na kc kami ngayon nkatira. Pro bkit may natatanggap parin po ki ng mga letters frim pag ibig amortization? Thanks pp

  29. Hi maricel, tingnan mo yong mga dates ng letters. Nagawa ba bago ka nagpasa ng requirements? Kasi kung automated yong mga letters about late payments, at hindi pa na-update yong tag nila para sa reminder letters sa record mo, tuloy pa rin ang reminder letters. Puede ring tawagan mo yong phone nos. na andon sa letters at tanungin mo kung bakit meron pa ring ganong letters samantalang nakagpasa ka na ng requirements to claim your title via mortgage redemption insurance.

  30. Ask ko lang po kung makukuha pa po ba ung pera nung taong namatay na ng 13years or above? at paano po ito makukuha?

  31. Hi maricel, tama naman lahat ang ginawa mo. Maaaring hindi pa nacoordinate ang records sa mga departments ng Pag-ibig kaya meron ka pang natatanggap na amortization reminders. But you can still email Pag-ibig publicaffairs@pagibigfund.gov.ph (put in the subject To: name of department emailing you these amortization letters and name of in-charge kung meron; then title or first line ng email is Name of your husband, Housing Loan account No. and “Death and MRI Claim Filed”. Sabihin mo lang na nai-file mo na yong mga documents required at the Pag-ibig ____branch on ___ to claim your Pag-ibig benefits, to process your MRI and to claim your property title.

  32. Hi Arvin, lagpas na ito sa 10 years na prescription period sa mga claims. Pero hindi ako sure kung ini-implement ito ng Pag-ibig — hindi ko kasi makita ito sa HDMF Law. You can call Pag-ibig 724-4244 or go to Pag-ibig and present the death certificate and your proof of relationship (birth cert) and ID and ask how you can claim your benefits. Prepare a valid reason for not claiming on time; example, you were too young then, and you didn’t know there’s something to claim.

  33. Ask ko lang po kung pwede pang makuha ang Burial benefit nung lolo ko kasi nung May 10,2013 sya namatay .. Kukuha palang po kme ng Requirements. Thank you po.

  34. Good day…pwedi po ba malaman kung ano ang makukuha namin mag iina na benefits sa asawa ko namatay noong september 25 2005 ??????name nya dave garcia anonuevo ….

  35. Hi kelly, basta hindi pa nakuha ng lolo mo ang provident benefits niya when he retired, makukuha nio ang provident benefits niya plus death benefit. Pero kung nakuha na niya noon ang provident benefits niya, wala na pong death benefit. Pero sige po it’s best to ask Pag-ibig.

  36. Hi rhona, punta po kayo sa Pag-ibig branch kung saan nagre-remit noon ang company ng husband ninyo. Bring your ID, death certificate and marriage certificate (orig and xerox) and ask your husband’s total savings amount and a list of requirements for claiming, including claim forms.

  37. Gud pm, ask lng po kasi 6 kmi na mgkapatid tpz requirement sa burial claims ang birth namin lahat kc namatay ang father ko kc my problema ung birth ng isa namin na kapatid pwede ba na maasikaso khit kulang para makuha na ng mother ko ang burial claims ng father ko.

  38. sa pag ibig at gsis kc ned ang birth ng mga anak kaya lng my problema ang birth ng kapatid ko. ngaun di pa namin naiipasa ang mga paper for funeral,burial at survivorship claims para sa mother ko.

  39. ask ko lng po kung how long po ang process ng death claim? nasend namin yong documents noong august 6, 2013 sa tacloban branch , tapos naforward ng tacloban sa kamias branch noong august 8,2013 dahil dun daw po yong process ng claim namin.centralize po kasi contribution ng mother in law ko. gaano po ba katagal ang process kasi po dito kami catarman n. samar. lagi po ako tumatawag sa kamias branch to inquire hanggang ngayon d pa nila masagot kung nandoon na yong documents namin.sana naman magcomply na sila. tnx po

  40. Hi zarina, makikita kasi sa mga birth certificates na meron pa kayong kapatid, so dapat kasama talaga ang papel niya. Ano ba ang problem? Wrong spelling of name? Puede ang Joint Affidavit. Puede rin siguro ang waiver of rights to the claim, pero merong internal agreement na meron pa rin siyang share. Tanungin na lang din ang Pag-ibig at GSIS para sure. Kung walang birth certificate, ito ang sabi ng Pag-ibig (nakasulat ito sa likod ng claim form): NSO Certified True Copy of Non-Availability of Birth Record of Member together with any of the ff: Notarized Joint Affidavit of Two Disinterested Persons (Form HOP-PFF-029), or Copy of 2 valid ID cards or any document indicating member’s date of birth

  41. Hi analyn, kung postal mail ang gamit, puedeng nasa biahe pa. Ang speed of processing ay depende sa documents submitted at kung sa iisang branch lang ang records ng member or kung iisang company and location lang nag-work. It takes about 2 months or more, based sa mga nagco-comment dito.

  42. Hi,

    Greetings and cheers to your very helpful blog site. I am an OFW currently on vacation here in the Philippines and will be leaving soon, my mother already passed away, my father is still with us, we are three siblings, the death claim and provident benefit claim is just being processed,my question is/ are… do all 3 siblings need to sign on the “proof of surviving legal heirs” form in order to get the claims? Thanks in advance.

  43. Good day,

    My name is Lynn T. Sinon, tatay ko po ay member ng Pag-ibig. nag retire po siya sa kanyang trabaho when he was 59 years old. pero 33 years po yung length of service niya. Namatay po siya last april 14, 2013. Tanong ko lang po kung may matanggap po ba siya sa pag-ibig eh hindi pa siya 60 years old noong ng retire? May ma claim po ba yung pamilya niya sa Pag-ibig?

  44. Hi Lynn, makukuha nio ang Provident benefits niya plus death benefit kung hindi pa niya kinuha ang savings niya when he retired. Puede ring kasing kunin ang Pag-ibig benefits kahit hindi pa 60 years old kung magpresent ng formal retirement from company’s retirement fund. Para sure, punta na lang kayo sa Pag-ibig branch niya with his death certificate, your ID and your birth certificate to make inquiries.

  45. Hi Darwin, yes, because that’s Pag-ibig’s policy, unlike sa SSS na spouse and minor children lang ang beneficiary. Submit also your birth cert. If you’re going abroad, ask if you can attach your waiver of rights to the claim so your father and siblings can encash the check even without your physical presence. Thanks for appreciating my blog.

  46. ask ko lang po my father died last may 2013. ngayon po ang mother ko po ay nag claim na sakanya lang daw po lahat ng benefits. possible po ba iyon?

  47. Hi jem, kasama sa claim ang claim form na Proof of Surviving Legal Heirs. Ang primary beneficiaries ay mother nio and kayong mga children. Naka-claim na ba siya? Baka hindi kayo isinulat sa claim form, or baka hindi rin kayo naisulat noon ng father nio as beneficiaries, so hindi nalaman ng Pag-ibig na merong children.

  48. Hi.. Magandang umaga po.. Namatay po yung father ko nung last November 26, 2013.. after that hindi po kami nakapunta sa pag-ibig para magfile, meron pa po siyang hindi nasettle na account, hindi po kami nakapagbayad kagad o nasettle yung issue. pero ngayon nagpadala yung pag-ibig sa amin ng demand letter o binebenta na nila yung property namin. ano po ba ang dapat naming gawin. salamat po.

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