Death Benefits in the Philippines


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  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!

  25. Hi po.. My father died sept2015. All of us legitimate children were all above21 yrs old now. Kaso po di po namin maifile ang sss death claim ng father ko kasi lumabas sa CENOMAR na kasal sya kay stepmom. Kaso po year 2000 pa po sila magkahiwalay ng papa ko.they had 2 sons. No communications at alam namin na may common law husband ang stepmom nmin.such time ng death ni papa lang nmin nkita ulit ang stepmom ko. Nung nagfile po kami ng sss death claim,dineny ng sss bacoor branch ang sister ko. Ang kailangan daw magfile ay ang stepmom ko. Possible po bang madeny kmi to claim the benefits?almost 14yrs ago wala ng communication ang father at stepmom ko. Baka po maforfeit lang ang death claim at sayang lang kung di mkukuha. She had dependent child p and i think my stepbrother is now 15yrs old. Ano po b dapat gawin?

  26. Hi donna, yong stepmother mo, hindi na maka-claim kung malaman ng SSS na matagal nang hiwalay from your father mo at nagkaroon din ng other relationship. Pero kahit hindi siya maka-claim, makaka-claim pa rin yong minor child (yong stepbrother mo na 15 years old). Yong stepmother mo na guardian ng minor child ay maka-claim as guardian of her minor child, but not as spouse (kung malaman ng SSS na matagal nang hiwalay from your father). Sorry, pero dahil merong minor child ang iyong father, this minor child lang ang puedeng claimant, at ang kanyang guardian. Ask others too.

  27. Hello Nora, Fiances mom just passed. I dont think she had any contributions to SSS. Are there any goverment lrograms that you know of that could assist her?

  28. Hello po, nais ko lng po malaman kac namtay na po pmangkin ko two yrs ago, kulang 3 yrs na po cya nakabayad ng housing loan nya sa pag ibig, sa pagkakapaliwanag sa amin bago kami kmuha ng housing loan,pg nakabayad po ng 2 yrs at bgla nmtay ang may ari, automatic wala ng babayaran ang benefeciary,pero hndi po ganon ang sabi sa amin, gusto lng namin maliwanagan,at maintndihan tnx po.

  29. Hi Beth, bago ba namatay ang pamangkin mo, sa Pag-ibig na ba siya nagbabayad ng monthly amortization? at hindi sa developer? Kasi Pag-ibig ang merong mortgage redemption insurance (MRI). Kung Pag-ibig na siya nagbabayad, ibig sabihin nakakuha na siya ng housing loan from Pag-ibig at merong mga loan documents from Pag-ibig. Kung Pag-ibig, yes, after he died, dapat nag-file na ng mortgage insurance claim yong wife niya, or parents (kung single), or siblings (if no wife, no parents) para makuha na yong title ng property. After matapos itong housing loan processing, iki-claim naman yong Provident benefits.
    Dapat din na updated sa pagbabayad ng monthly amortization bago siya namatay. Kung meron mang mga arrears, dapat mga ilang buwan lang. Kung Pag-ibig housing loan nga at updated sa payments, mag-file na dapat ng claim yong wife or parents or siblings, depending kung sino ang primary beneficiary.

  30. Hi Xavier, sorry there are no formal government programs that grant funeral assistance to non-members of SSS, GSIS, Pag-ibig, OWWA or cooperatives. Some local governments assist by way of lending chairs and tents for free. Relatives of your fiancee can ask for some financial assistance from public officials.

  31. Hi po, my husband signed contract in January 26, 2017 with his agency. He went home on the 27th because his flight was supposedly on the 3rd of february 2017.Too bad he died on the 28th at early dawn from sudden cardiac arrest and of course could not report anymore to his scheduled flight. Can the company compensate him? is there any assistance form the agency or can i ask financial assistance from the company? any insurance to go and ask about like BPI and others you mentioned above with others who seekd advise please help me maam Nora. Thank you po and God Bless

  32. Hi po, my husband signed his contract in January 26, 2017 with his agency. He went home on the 27th because his flight was supposedly on the 3rd of , about 5 days later. He was a ship captain. Too bad he died on the 28th at early dawn for an unknown cause although doctors found out to be sudden cardiac arrest. Can i ask assistance from the company or agency? Aren’t seamen insured, so can I be paid for it? What insurance can i ask assistance from? You mentioned BPI and others, an i ask them too? salamat po maam Nora.

  33. Hi Jonaz, sad to hear about what happened. You can contact AMOSUP (Associated Marine Officers’ and Seamen’s Union of the Philippines):
    Seamen’s Center Building, Cabildo Cor Sta Potenciana Sts, Intramuros Manila
    Tel No: (02) 527-8491 to 98 local 830, 831
    Yes, you should ask your husband’s agency about any benefit or assistance that you can claim. You can also claim from OWWA. Find his OEC receipt. Check all your husband’s files/documents; he might have private insurance policies that he did not talk about. Have you filed your SSS and Pag-ibig claims? God bless too

  34. Hi husband po ay member ng SSS.Nag trabaho xa sa isang kompanya mga isang taon na. meron nga siyang SSS number.peru na terminate sa trabaho.after 11 months namatay po xa.may ma kukuha ba akong death at burial benefits?.

  35. Hi po my father died on an accident while on board sa barko where he was working. And sabi ng company rep na ang funeral assistance na maasssist nila is until the port of leyte to cebu port. My father died in leyte where their ship docked. Sabi ng hr rep na kami na daw bahala sa gastusin pag dating ng labi ng father namin here sa cebu its not their obligations na daw. Tama po ba na until sa leyte lang sila obligated for funeral assistance? Please help need an answer thanks

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