Death Benefits in the Philippines

death-benefits-philippines Late last year, when someone in our extended family passed away, I became familiar with some of the death benefits available for beneficiaries in the Philippines. In my extended family’s case, some of these benefits were claimed successfully while the others were denied for various reasons.

Here are some death benefits in the Philippines:

SSS – SOCIAL SECURITY SYSTEM (For employees of private companies)

Funeral benefit of 20,000 pesos regardless of number of monthly contributions, given to the person who spent for the funeral
Monthly pension or lump-sum cash benefit for the legal spouse and legitimate, illegitimate or legally adopted children younger than 21 years old (up to 5 children), and older children with permanent disabilities

Pension is for the primary beneficiaries of deceased members who have contributed at least 36 monthly contributions before the semester of death.
Lump-sum is for primary beneficiaries of members who contributed less than 36 monthly contributions before the semester of death.

If there are no primary beneficiaries (no spouse and no children), the dependent parents receive the lump-sum cash benefit).

Pension amount or lump-sum amount depends on the number of credited years of membership and average monthly salary credit.

– For members who died in a workplace accident or due to an occupational illness, additional Employee Compensation benefits are given to beneficiaries.

Note:  File your claim at the SSS branch nearest where you live.


– The death benefit amount is a percentage of the Total Provident Benefits.  The Provident total is the sum of the member’s monthly contributions, employers’ contributions for the member and dividends. Yong death benefit sabay na ibinibigay sa Total Provident Benefit. Isang claim form lang siya.

Note:  File your claim at the branch where the member’s records are kept.


Burial benefit of 20,000 pesos
Insurance benefit of 100,000 pesos if death is due to natural cause or 200,000 pesos if death is due to accident

Insurance & Health Care Benefits Division
7th Street cor. FB Harrison St. Pasay City
Monday to Friday, 8 am to 5 pm
(or go to your OWWA Regional Welfare Office)

Note: If you’re an OFW, make sure your membership is always current. My relative paid his OWWA membership for the almost 30 years he worked abroad, but because he worked for two straight years during his last contract, he was not able to pay his OWWA membership, so his family’s claims were denied by OWWA.

You pay your OWWA when you pay your OEC or Overseas Exit Clearance or Balik-Manggagawa (BM) papers at the POEA or at any accredited OEC payment center or service. The OWWA membership fee is 25 US dollars, payable in pesos.


–  This refers to life insurance policies purchased from private insurance companies such as Philam, Insular Life, and BPI-Philam Life (formerly Ayala Life), Sun Life, Manulife, PNB Life and others.


–  There are life and accident insurance policies offered by banks as added benefits to certain special bank accounts and time deposits.

– An example is the BPI Get Started Savings Account with Life Insurance. The account comes with a free BPI-Philam Life insurance equivalent to 5 times the account’s balance, up to 2 million pesos.
Balance means the average month-to-date average daily balance of the past three calendar months prior to the death ofthe insured.


– This is for credit cardholders who have purchased credit life insurance and life insurance policies from or through their credit card issuers.

– Examples are the Assure and Saver life insurance programs of Axa Philippines, a joint venture between Metrobank and Global AXA Group of France.


– Some memorial companies give financial assistance or death benefits to the beneficiaries of those who pass away while still paying their memorial plans in monthly, quarterly or yearly installments.

– For instance, the St. Peter Life Plans with Return of Premium policy gives cash assistance to beneficiaries if the planholder dies during the paying period or within 5 years after full payment. There’s also additional benefit for death or loss of limbs or eyes due to accident.


– HMOs provide primarily hospitalization benefits, but most of them also provide death benefits to HMO members’ beneficiaries.

– An example is the INTELLICARE corporate HMO program of Asalus Corp. This HMO plan gives cash assistance of 10,000 pesos for natural death and 20,000 pesos for accidental death to the beneficiaries of principal HMO cardholders.


– Separate death benefits for employees of companies with retirement, incentive or insurance programs for their employees. Usually ang mga big local companies and some foreign multinationals ang merong ganitong Death Benefits in the Philippines.

I looked at Book 4 of the Labor Code of the Philippines (titled Health, Safety and Social Welfare Benefits) and I saw that the only mandatory employee benefit related to death is that given by SSS. Mandatory for employers na tapatan nila ang SSS contribution ng employees. And later, naging mandatory rin yong employers’ share sa PAG-IBIG contributions.


– Some OFW employers give death benefits, especially to the beneficiaries of long-time employees. If the OFW passes away while on vacation, the primary beneficiary should email the employer, together with a copy of the death certificate and a copy of marriage or birth certificate, and request for any financial benefit.


– There are some cooperatives that provide death benefits or financial assistance to the beneficiaries of members. An example is the Center for Community Transformation (CCT), which has a group insurance partnership with Philam Life.


– In our barangay and nearby barangays in our province in the North, there is an association called SARANAY. Whenever someone in the barangay dies, each family in the barangay contributes a certain amount of money (the same amount for all families) to accumulate money for the bereaved family. A total of 10,000 pesos (50 pesos times 200 families) is already a big help in the province.  I am proud of my mother, who is now in her 80s, because she and her friend were the ones who started this program years ago in our rural area, and now this program has spread out into other barangays.

May death benefit ba na nakukuha sa PHILHEALTH?
Sori, WALA, kasi hospitalization or medical treatment cost assistance ang focus ng Philhealth.


Note:  We are not familiar with death benefits provided by the GSIS, AFP or PNP, so we will not be able to answer questions about these benefits.

GSIS (For government employees)

– Burial benefit of 20,000 pesos, given to the spouse or to the children (if spouse is already deceased)
– Survivors’ monthly pension or cash benefits to primary beneficiaries (legal spouse and minor children up to 5). If there are no spouse and children, death benefits are given to secondary beneficiaries.
– For members who died in the course of work or due to an occupational illness, additional Employee Compensation benefits are given to beneficiaries.
– Proceeds of compulsory and/or optional life insurance policies and/or educational policies and/or accident insurance policies for beneficiaries of members who participated in these optional programs.

Note:  GSIS has several retirement and life insurance options, kaya iba-iba ang pag-compute ng amounts of death benefits received by beneficiaries.

If you’re in the Muntinlupa area,  and you would like to purchase a St.  Peter Life Plan or St. Peter Memorial Plan, just make a comment below, and I’ll email you the name and cell phone no. of a St. Peter agent.  Sabi ng agent na ito, bibigyan daw ako ng referral fee or konting deduction sa monthly payment ko sa plan ko kung meron akong mai-refer.

Sa dami ng pre-need na naba-bankrupt, bakit ako nagre-refer ng memorial plan?  Baka sakali lang na naghahanap ka ng ganitong plan at meron kang tiwala sa St. Peter.  Hindi naman sila na-bankrupt noong kasagsagan ng pre-need collapse. At hindi naman sila focused sa pera, kundi sa memorial chapels, caskets at memorial services. Meron daw silang malawak na taniman ng mga trees (forgot the tree name) which they use to make caskets.

Hindi natin alam, baka ma-bankrupt din ang St. Peter, kung ma-mismanage (of course, hindi sana), pero nakita ko kasi yong hirap nang namatayan, kaya kumuha rin ako ng plan, para hindi mahirapan ang anak ko, lalo na at only child siya. Pero lagi kong ipinagdarasal na pahiramin pa ako ng Panginoon ng mahaba-habang buhay para mapagtapos ko pa siya sa college, at makatulong pa ako sa extended family members.

Death Benefits in the Philippines


Add a Comment
  1. Hi ms nora. I’m in another country at present and my father died. How to get the insurance from meco? Pls reply tnx

  2. Hi faith, is your email address here correct? I will send you the list of requirements and the steps you need to do.

  3. Hi. My husband died last feb18. He had a total 37 contribution in sss,last posted in Feb. Were legally married and had our 7 months old Son. Are we entitled w/the monthly pension death benefits? Thank you.

  4. hello po I need po advice if we can get immediately the payment for my father from the company because they have not given anything. Does it need to be released together with the insurance?

  5. Hi mitch, that depends on your father’s company. If group insurance is one of the benefits given by the company, then maybe the company is waiting for the insurance company to pay. Request the company that they give your father’s last pay and other assistance ahead of the insurance because you need the money.
    For SSS and Pag-ibig claims, you need to file your claim at SSS and at Pag-ibig.

  6. Hi! Ms. Nora Is there a burial benefit for my mother? I’m ofw po in dubai. My mom is in pinas but I’m here in pinas now. I had emergency leave but was not able to get oec because my arrival is emergency. I had my vacation in pinas last september and I paid owwa. I hope you can help me with details. Thanks po

  7. Hi Algien, sad to say, you cannot get any death benefit from owwa because your mom is not the ofw and not the owwa member. Sad to say that owwa does not offer a death benefit for dependents. Ask others too. I hope you can get assistance from your town’s politicians.

  8. Hi Ms. Nora,

    I would like to get assistance as well how to get death benefits of my father. He is also an AMOSUP Member for I guess more than 30 years. SSS was already claimed. We’re not aware of other benefits we can get. Please email me at Hope to hear from you soon. Thank you.

  9. Hi Ms. Nora,

    I would like to get assistance as well how to get death benefits of my father. He is also an AMOSUP Member for I guess more than 30 years. SSS was already claimed. We’re not aware of other benefits we can get. Please email me at . Hope to hear from you soon. Thank you.

  10. Hi nora. my father just died this month and he was a retiree and only around 3 months that we got his monthly pension since he retired. Suddenly, he died, will his monthly pension as retiree be stopped? The amount is a bit big, around 8k per month and then the death benefit which is monthly pension of sss is 2,400 per month only. So what do you think will we get?

  11. Hi denzen, before I answer your questions, may I know these things first? Do you mean your father’s retiree pension was around 8k per month? You did not mention your mother. Is your mother is still living? Are there any of you, the children, who are under 21 years of age? What do you mean when you said “the death benefit which is monthly pension is 2,400 per month only?” Or was it SSS that told you this?

  12. Mrs Nora, we have a machine shop and we have an employee who died of heart attack outside work, at home. He’s less than 60 years old. Are we obliged to give a seperation pay? He worked for us around 9 years. We gave financial aid worth 35K for expenses at the hospital and burial. As far as i know, separation pay is optional po or we don’t really have a legal obligation to give separation pay?

  13. Last April 22, my husband died due to unknown cause. He slept and never woke up. He had an illness while he was a seaman, and was terminated so he can complete his medications. He was not able to get back onboard for 4 years. Are we entitled to benefits from amosup po?

  14. Hi Suzette, based on the DOLE’s handbook on monetary benefits, separation pay is given to the employee if he is terminated from work due to company closure, retrenchment or incurable contagious disease. Your employee was not terminated; he died. I don’t know how big or small your machine shop is, but if you are able to give more assistance, and if you have at least 10 employees, and you have not given the employee 5 days as service incentive leave per year during his employment, you might want to give the family 5 days x 9 years = 45 days, equivalent to his salary for 1 1/2 months. By the way, I’m not from DOLE, I just read the DOLE’s handbook. I’ll email you the handbook. Sad that your email was not valid. You can write your correct email, if you like.

  15. Hi Angelita, since it’s been 4 years that he didn’t get onboard, you’re no longer entitled to funeral assistance. I think the benefit that you might be able to get is the Provident benefit, if his former marine companies paid AMOSUP contributions in his behalf. You can call (2)-527-8491 to 98 or email AMOSUP’s Provident Fund Office

  16. good day my dad died last feb.kinukuha po namin yung pension nya sa bdo sabi po nila dapat ang mom ang kumuha pero my mom is in the states di po sya makaka uwi.and we badly need the money to pay the house and renovate po.last time we ask kng pwedeng mag submit na lang kami ng SPA ni mommy.di daw po pwede need talaga po na there any other legal way po.i need plan B.since hindi ko pa po naipapasa yung SPA sa susubukan ko lang po baka makalusot.

  17. Hi jv, your mom is the primary heir of your father, so it’s her who can get your father’s money. Most banks do not honor SPAs in many types of transactions. Is your father’s pension from the US or from SSS/GSIS? If SSS, your mother can file for the transfer of your father’s pension to her at an SSS office in the U.S. if there’s one near her area. If US pension, it depends on what options your father chose when he retired.

  18. Hi Ms.Nora my question po ako sayo about my uncle that he passed away last thursday July 7,he worked in abroad more than 20 years then nag stop cyang magabroad last 2014,but his wife worked in Israel for 1 1/2 years then umuwi cya kc namatay ang husband nya ( my uncle)meron po bng makukuha ang tita ko sa owwa?alam ko my mkikuha cya sa SSS kc active cya sa paghulog!yon lng po have a nice day .thank u….

  19. Hi Gemma, it depends on your uncle’s OWWA receipt. Find his last OEC. Andon yong dates ng OWWA payment. Usually for 2 years. If the receipt covers up to July 7, then your aunt can claim benefits from OWWA. If not, your aunt can ask OWWA. Have a nice day too!

  20. magandang umaga,hapon po sainyo,ako po si Vilma Macabidang Pimentel,ang asawa ko po ay si Louie Baldos Pimentel,siya ay namatay sa isang aksidente, may dalawa kaming anak na si Harold at Jhon Patrick Pimentel.
    Ang gusto ko lang itanong kung Bakit po nahinto yong pension namin,Ako po ay nandito sa abroad at nag ang nagaalaga ng mga bata ay ang kamilang lola na si teresita baldos pimentel,kailangan ko sana ung maituloy na pension nila,mga bata pa sila panganay 14yrs old harold, bunso 12yrs old jhon patrick pimentel.halos mag 1yr na po na wlang pension cla..d ako makareport dhl malayo ako sa pilipinas..ung lola at lolo lang yong nagaasikaso sa kanila..sana masulosyonan po yong problima ko,kc maliit lng din po ung sahod ko dito sa abroad..isa din po sana sa maasahan ko yong pension namin,dagdag sa pag gamit ng mga anak ko..marami pong samalat..

  21. Hi vilma, based sa sinabi mo, hindi ka naman nag-asawa uli at wala ka namang bf (nai-stop ang death pension in these cases).
    Mag-submit ka ng ACOP form ASAP. Through email na lang kung malayo ka sa post office. I sent you the ACOP form kaya lang mali yong email address mo. Send these documents to SSS Diliman through postal mail or email: filled-up and signed ACOP form, xerox of your passport, and ID there abroad, at kung meron kang recent medical certificate or medical consultation receipt (ok lang kung wala). Include your handwritten letter (English, Tagalog or Taglish) requesting SSS to “please accept my ACOP form, continue sending my pensions and my minor children’s pensions and all our past pensions which were not sent. Our last pension sent was for the month of ____. Yong email and mail address ng SSS ay andito: ACOP for Overseas Pensioners

  22. Hi po ask ko Lang po kung may makukuha po ba ako na burial subsidy dahil namatay po Ang lolo ko kasama po ba siya or mother father and child lng po ..salamat po

  23. Hi Sarah Jhean, this is about Taiwan Labor Insurance’s burial subsidy? Sorry, ito ay para lang sa parent, spouse or child.

  24. Hello.. panu po if nmatay s hospital due to comatose?my mkkha po bng burial assistance po? Incase po first contract po xa dun un my maavail prn po b xa? Panu po qng wla xang sss, pag ibig.. my assistance prn po b xa from owwa?
    Maraming salamat po!

Leave a Reply

Your email address will not be published. Required fields are marked *

Working Pinoy © 2008-2016 Frontier Theme