When an SSS member dies, his or her beneficiaries get benefits from SSS.
The amount of benefits and whether it will be lump sum benefit or pension will depend on the member’s number of contributions, credited years of contributions and amount of contributions.
Here are the types and hierarchy of SSS Beneficiaries:
1. Primary Beneficiaries
The Primary beneficiaries are FIRST in the hierarchy.
Secondary beneficiaries can claim only if there are no Primary beneficiaries.
Designated beneficiaries can claim only if there are no Secondary beneficiaries.
There are 3 kinds of Primary Beneficiaries:
a. Dependent legal spouse
(He/she remains a beneficiary as long as he/she DOES NOT remarry, cohabit with another person, or have a child with another person)
b. Dependent children under 21,
whether legitimate, illegitimate or legally adopted
(They remain beneficiaries until they turn 21, or get married or get employed)
c. Dependent children over 21 who are permanently incapacitated
(even if permanently disabled, they stop being primary beneficiaries if they get married)
2. Secondary Beneficiaries
If there are no primary beneficiaries, the benefits can be claimed by the Secondary Beneficiaries.
The secondary beneficiaries are the dependent father and mother of the deceased.
3. Designated Secondary Beneficiaries
If there are no primary and secondary beneficiaries, the benefits can be claimed by the beneficiaries written in the deceased member’s SSS records (SSS E1 or SSS E4 forms).
These beneficiaries must be dependent on the deceased member at the time of the member’s death.
According to the SSS Citizen’s Charter 2012, the following can be written as Beneficiaries:
a. Legitimate ascendants and descendants
b. Parents and their legitimate children and the legitimate and
illegitimate children of the latter
c. Parents and their illegitimate children
d. Legitimate brothers and sisters, whether full blood or half blood
4. Legal Heirs Based on the Law of Succession
If there are no primary, secondary and designated secondary beneficiaries, the benefits can be claimed by the legal heirs based on the Law of Succession.
The hierarchy and shares of the legal heirs are described in the Civil Code
(Book III, Title IV, Chapter 3, Section 2)
a. Heirs written in the member’s will (in the form prescribed by law)
b. Legal Heirs, based on Intestate Succession
1. Legitimate children or their descendants
including adopted children or their descendants
2. Illegitimate children or their descendants
3. Father and mother
4. Maternal and paternal ascendants
6. Brothers and sisters or their children
7. If there are no legal heirs, the whole estate of the deceased
will be inherited by the municipality in the Philippines
where the deceased last resided, or in the case
of real property, where the real estate is located.
1. Social Security Law (RA 8282)
SEC. 8. Terms Defined
SEC. 15. Nontransferability of Benefits
2. SSS Citizen’s Charter (Nov 2012)
Definition of Terms
3. SSS Guidebook (2010)
Who are the beneficiaries of a deceased member?