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.


Add a Comment
  1. 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.

  2. 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.

  3. 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?

  4. 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.

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

  6. 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.

  7. 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…


  8. 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.

  9. 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

  10. 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

  11. 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.

  12. 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.

  13. 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

  14. 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

  15. 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.

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

  17. 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 (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.

  18. 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.

  19. 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.

  20. 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 ….

  21. 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.

  22. 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.

  23. 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.

  24. 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.

  25. 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

  26. 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

  27. 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.

  28. 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.

  29. 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?

  30. 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.

  31. 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.

  32. 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?

  33. 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.

  34. 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.

  35. Hi pat, ito ba ay Pag-ibig housing loan? Pumunta na kayo ngayon with your father’s death certificate and your birth certificate and your IDs. Kung hindi kayo nag-file, hindi alam ng Pag-ibig na your father already passed away. Ang assumption nila is pinabayaan ang payments. If your father were updated before in paying, or kung hindi naman grabeng matagal ang delinquency niya noon, mahahabol nio pa ang house using his housing loan’s mortgage redemption insurance (MRI). The insurance will pay the loan balance in full so you can claim the title. Yong arrears niya before he passed away, yon ang babayaran ninyo, then the balance after he passed away will be paid by MRI.

  36. Ah ganun po ba? Maraming salamat po. Bigla kasing natakot mom ko nung nakatanggap siya ng notice na binebenta na ang bahay namin. Kung meron po siyang balance before he died? My interest din po ba yun? or running interest na siya ngayon? If that’s the case, pwede po ba ako ang magtuloy ng bayad, pero monthly land din. Maraming Salamat po.

  37. Hi pat, if you’re mom is going to Pag-ibig, she brings her marriage certificate and her IDs. Yes, you can pay the arrears under the name of your father. Yes, meron nang interest, pero puedeng makiusap… will go somewhere now…

  38. hello po. tanong ko lang po kung ang may bayad po ba yong lawyer ng pag-ibig sa pag pagawa ng joint affidavit ng anak ko sa birth certificate at yong date po don sa marriage contract nmin. June 3 po kasi ung date sa marriage contract nmin tapos don po sa birth certfcate ng anak ko ay june 6. ayaw po kc tanggapin ng teller po don sa death claims yong mga papers na required tungkol sa burial po. ang dami nga nya pong hiningi na mga requirements samantalang sa makati branch po ai konti lang yong hiningi. actually po don po sa makati nka based ang record ng asawa ko kc don po naghuhulog ang company nila na sa laguna po. kya lang nsa cebu kami ngayon nkatira kc ang sabi pede nman kami mag submit ng mga requirements nila kya lang sobrang dami ang hinihingi pro joint affidavit nlang ang kulang. kaya po ako nagtatanong kc nong nagtanong kami sa labas kng magkNo mbyaran pag ngpagawa kmi ng joint affidavit sobrang mahal ang hinihingi mas malaki pa sa matatanggap namin sa pag ibig. kaya may libre po ba na lawyer ang pag ibig sa mga ganyang bagay po? thanks very much po!

  39. Hi maricel, malayong mura ang Affidavit kapag pa-print mo ng 3 or more copies sa computer shop o sa friend mo at papirmahan at pa-stamp mo na lang sa notary public sa tabi-tabi — marami yan sa tabi ng universities o city hall. Sana makakita ka ng around 100 to 150 pesos lang. May sample dito ng Joint Affidavit, i-revise mo na lang to fit your situation:
    Pag-ibig form ito–
    similar affidavit ——miscellaneous/joint-affidavit-of-two-disinterest-persons
    Doon sa baba ng Affiant, write SSS ID nos. kung meron sila, or cedula nos., or driver’s license nos. or other valid ID nos.

  40. gud pm.ako po c may itatanong ko lng po kung pag ibig member po ba tatay ko ARMANDO MARFIL CASUBHA po ang name nya.OFW po cya mula 1979 .ty po

  41. Hi May, recent lang kasi na naging mandatory ang Pag-ibig sa OFWs, so hindi ko sure kung nag-member ang father mo. Email and include info such as full name, birthdate, birth place, employer name, employment dates, location so they can check records.

  42. Hi nors! Good am. It was just recently that I discover your blog and I find it very helpful and informative, and by exploring your blog saka ko nlaman na may death benefit din pala ang pagibig member. Ask ko lang sana if may chance pa kya makakuha yung mother in law ko ng death claim ng husband nya? He died last january 2009, the problem is hindi nila alam yung pagibig # nya at siguro ang last contribution nya was way back 1999 pa and wala nman silang natatandaang may nailoan sya. Do u think may makukuha pa sila? Thank you in advance and more powers.

  43. One more thing.. I hope you could give us advice kung paano sila maguumpisa ng process, marami din kasi yung napasukang company ng father in law ko. Thank you once again and god bless.

  44. Hi yza, did your father-in-law not file his benefit claim when he retired? Did not his family file any claim after he passed away in 2009? I’m asking because the provident benefit (savings) and death claim are processed together, and if the savings were already claimed, the death benefit can no longer be claimed.
    But if the provident benefit was not yet claimed, your mother-in-law can file her claim. She can start by writing her husband’s employment history (name of company, address, and employment dates), and by going to the Pag-ibig branch nearest where her husband worked the longest, with her ID, marriage cert, death certificate, and employment history and ask.

  45. Hi! My in-law died last month I believe he had 3 months contributions to Pag-ibig. Entitled ba beneficiaries niya sa death claim at magkano kaya makukuha? Thank u.

  46. Hi jam, was he an employee? If yes, then maybe his total contribution is 3 x 200 pesos = 600 pesos. When was this contributed? Years ago? So there must be some interest. Death benefit is 600 pesos plus interest. Death benefit is 6k if total savings is more than 6k. If lower, it’s the same as total savings plus interest. So all in all, about 1200 pesos ang benefit niya. Pero estimate ko lang ito ha. To be sure, you can ask the Pag-ibig branch where his contributions were filed.

  47. hi! i just found out just now na may death benefit pala ang pag father died 2006 pa po.pwede pa po ba kme mag file ng claim even if it is this late?thanks in advance!

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