Pag-ibig Death Benefits

Updated March 3, 2018

If you are a legal heir or beneficiary of a Pag-ibig member who has died, you can claim Pag-ibig death benefits only if:

the Pag-ibig member has not claimed his/her Provident benefits when he/she was still alive.

If the Pag-ibig member has claimed his/her Provident benefits after he accumulated at least 240 contributions, or when he turned 60 years old, or when he retired, or when he was permanently disabled, there is No More Pag-ibig death benefits to be claimed by his legal heirs or beneficiaries, kasi nakuha na ng member ang kanyang savings at dividends from Pag-ibig noong siya ay nabubuhay pa.

Hindi kapareho sa SSS na separate ang SSS retirement benefit or death benefit (lump sum o pension) sa SSS funeral benefit.

Sa Pag-ibig Fund, walang death benefit o burial benefit o funeral benefit, kung nakuha na ng member ang kanyang Provident Benefits noong siya ay  nabubuhay pa.

Provident Benefits ang tawag sa final benefits na tatanggapin.

Naririnig nio siguro ang TAV, ito ay Total Accumulated Values, at ito ang total amount na tatanggapin.


Kapag member ang tatanggap ng Provident Benefits:

TAV = Total Savings or Contributions + Total Dividends


Kapag legal heir o beneficiary ang tatanggap ng Provident Benefits:

TAV = Total Savings or Contributions + Total Dividends + Death Benefit


Ang maximum Death Benefit ay 6,000 pesos.

Kapag active ang deceased member at the time of his/her death, meaning merong contributions around the time of his/her death, ang death benefit is 6,000 pesos, regardless of the TAV amount.

Kapag inactive ang member, at less than 6,000 pesos ang TAV, ang death benefit is equal to TAV.

Kapag inactive ang member, at 6,000 pesos or more ang kanyang TAV, death benefit is 6,000 pesos.

 

DOCUMENTS REQUIRED to FILE A DEATH BENEFIT CLAIM:

  • Application for Provident Benefits Claim  (Pag-ibig form)
  • Death Certificate of Pag-ibig member, issued by PSA (formerly NSO)
    If the member died abroad, the Certificate of Death issued
    abroad should be certified by the Philippine Consulate
    General or Philippine Embassy in the country where the
    member died.
  • Notarized Proof of Surviving Legal Heirs  (Pag-ibig form)
  • Notarized Affidavit of Guardianship  (Pag-ibig form)
    (if children are 18 years old and younger, or physically/mentally handicapped)
  • Birth certificates of all children, issued by PSA, if the member had children
  • Marriage Certificate, issued by PSA if member is married
  • Advisory on Marriage, issued by PSA, if member is married
    At PSA, fill up the CENOMAR form, and PSA will later give you an Advisory on Marriage. Dito makikita kung isa lang o more than one ang naging asawa ng member, or kung merong na-annul na marriage.
  • Certificate of No Marriage (CENOMAR), issued by PSA, if member is single
  • Birth certificate of member, if claimants are the parents, or if the siblings are also claimants because the parents are already deceased
  • Birth certificates of siblings, if the member was single and parents are already deceased, or if the member had a child but remained unmarried
  • Two valid ID cards of claimant
  • Other documents required by Pag-ibig Fund upon filing of claim (Funeral receipt may be required)

Valid IDs:

    • Passport
    • Driver’s license
    • Voter’s ID
    • Postal ID
    • SSS ID
    • Company ID
    • PRC ID
    • GSIS e-Card
    • AFP ID
    • IBP ID
    • OWWA ID
    • OFW ID
    • Seaman’s ID

You can download the required Pag-ibig claim forms here: PAG-IBIG FORMS

Who are the Legal Heirs or Beneficiaries of a Deceased Pag-ibig Member?

The Pag-ibig Fund Circular No. 380, entitled Amended Guidelines on Pag-ibig Fund Membership Termination, signed on May 12, 2017, states that:

In case of member’s death, the release of his provident benefit claims shall be in accordance with the laws on succession.

The laws on succession are contained in Section 5 of the New Civil Code of the Philippines.

Hindi po ako lawyer, so I rely on actual claims that I have seen and on many comments posted on our blogs by heirs or beneficiaries regarding their Pag-ibig Provident benefit claims. I also rely on lawyers’ writings online. Isa sa mga ito ang napakagaling na explanations ni Atty. Galacio dito: Legal Heirs of a Deceased Married PersonLegal Heirs of a Deceased Single Person

Heirs of a Deceased Married Pag-ibig Member:

  1. If the couple has children, the spouse and the children are the legal heirs.
    If the deceased member has illegitimate children, these illegitimate children are also legal heirs.
  2. If the couple has no children, and there are no illegitimate children, the spouse and the parents of the deceased member are the legal heirs. 50% for the spouse; 50% for the parents
  3. If the couple has no children and there are no illegitimate children and no more parents, the spouse and the siblings of the deceased member are the legal heirs. 50% for the spouse; 50% for the siblings

Heirs of a Deceased Single Pag-ibig Member:

  1. If the deceased single member has no children and his/her parents are still alive, the parents are the legal heirs. Equal ang share ng father and mother. Pag isang parent na lang ang buhay, mapupunta lahat sa surviving parent .
  2. If the single member has kids and his/her parents are still alive, the children and the parents are the legal heirs. 50% for the kids; 50% for the parents.
  3. If the single member has no kids, no grandkids, no more parents and no more grandparents, and has siblings, the siblings will divide among themselves the benefits.

WHERE TO FILE YOUR CLAIM:

File your Provident benefit claim at the Pag-ibig 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), his or her valid IDs, and the valid IDs of the member and beneficiaries.

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  529. Glenda March 10, 2016
  530. Nora March 5, 2016
  531. Jennifer Divinagracia March 4, 2016
  532. Bing March 4, 2016
  533. Nora March 4, 2016
  534. Nora March 3, 2016
  535. Nora March 3, 2016
  536. Bing March 3, 2016
  537. Maricris reyes March 2, 2016
  538. dward March 2, 2016
  539. Nora March 2, 2016
  540. cheri March 2, 2016
  541. Nora March 1, 2016
  542. linda March 1, 2016
  543. Nora March 1, 2016
  544. CRISTINA February 29, 2016
  545. Nora February 23, 2016
  546. apol February 22, 2016
  547. Nora February 20, 2016
  548. oscar February 20, 2016
  549. Nora February 18, 2016
  550. arriane February 17, 2016
  551. Nora February 2, 2016
  552. kathy February 2, 2016
  553. Nora January 24, 2016
  554. ligaya nival January 23, 2016
  555. Susan January 6, 2016
  556. Lavern January 3, 2016
  557. Nora December 20, 2015
  558. rosell s. mahan December 17, 2015
  559. Yeye daluz December 11, 2015
  560. Nora December 11, 2015
  561. Yeye daluz December 10, 2015
  562. Nora December 9, 2015
  563. Nora December 9, 2015
  564. Nora December 9, 2015
  565. elizabeth December 9, 2015
  566. perlas manguiat December 8, 2015
  567. Angelou Santos December 7, 2015
  568. Angelou Santos December 5, 2015
  569. Aireen Canlas December 1, 2015
  570. Agnes Sabdain Enero November 27, 2015
  571. Agnes Sabdain Enero November 27, 2015
  572. daphne November 26, 2015
  573. Nora November 15, 2015
  574. gracia November 15, 2015
  575. gracia November 15, 2015
  576. Nora November 11, 2015
  577. Anne November 10, 2015
  578. Nora November 5, 2015
  579. Madel Mindoro November 4, 2015
  580. Nora October 31, 2015
  581. Nora October 31, 2015
  582. Prince Ondoy October 30, 2015
  583. bong October 29, 2015
  584. janine October 23, 2015
  585. Nora October 21, 2015
  586. Phae October 20, 2015
  587. Nora October 17, 2015
  588. kath October 17, 2015
  589. Nora October 14, 2015
  590. Irene October 14, 2015
  591. armie October 9, 2015
  592. Nora October 9, 2015
  593. armie October 8, 2015
  594. Nora October 7, 2015
  595. Jane October 4, 2015
  596. Kevin October 4, 2015
  597. Nora October 4, 2015
  598. Kevin October 2, 2015
  599. juliet October 2, 2015
  600. Nora September 29, 2015
  601. Kevin September 29, 2015
  602. Nora September 29, 2015
  603. Nora September 29, 2015
  604. Nora September 29, 2015
  605. Yvette September 28, 2015
  606. Juliet September 28, 2015
  607. Kevin September 27, 2015
  608. Nora September 27, 2015
  609. Sunny September 25, 2015
  610. bhem September 23, 2015
  611. Nora September 22, 2015
  612. kathy September 21, 2015
  613. Nora September 21, 2015
  614. Renmar September 20, 2015
  615. Nora September 20, 2015
  616. carisa September 19, 2015
  617. Nora September 16, 2015
  618. Maricel September 16, 2015
  619. Maricel September 16, 2015
  620. Nora September 9, 2015
  621. Mags September 8, 2015
  622. Nora September 7, 2015
  623. armie c.bonilla September 6, 2015
  624. Nora September 1, 2015
  625. jhong pujadas, August 29, 2015
  626. Nora August 28, 2015
  627. Rowena M. Garcia August 28, 2015
  628. Nora August 22, 2015
  629. xoxo August 22, 2015
  630. Nora August 18, 2015
  631. Nora August 9, 2015
  632. Ericka August 8, 2015
  633. Nora August 6, 2015
  634. lolita yorke August 6, 2015
  635. Nap A. Ramos August 3, 2015
  636. Nora August 1, 2015
  637. Veronica mendoza August 1, 2015
  638. Nora July 30, 2015
  639. Eve Castillo July 29, 2015
  640. Bless July 29, 2015
  641. Nora July 11, 2015
  642. Carolina V. Diaz July 10, 2015
  643. Nora July 8, 2015
  644. wilma July 8, 2015
  645. Nora July 7, 2015
  646. wilma July 7, 2015
  647. Nora June 27, 2015
  648. Nora June 27, 2015
  649. aida June 26, 2015
  650. Michelle June 26, 2015
  651. Cherry June 24, 2015
  652. Nora June 23, 2015
  653. leah June 22, 2015
  654. Nora June 22, 2015
  655. marilou June 22, 2015
  656. Nora June 19, 2015
  657. marzel June 18, 2015
  658. Miriam June 15, 2015
  659. Jake June 11, 2015
  660. Jake June 11, 2015
  661. Jake June 11, 2015
  662. Nora June 11, 2015
  663. Jake June 10, 2015
  664. Nora June 10, 2015
  665. Nora June 9, 2015
  666. April June 8, 2015
  667. Nora June 7, 2015
  668. Jerwin Loyola June 4, 2015
  669. Nora June 4, 2015
  670. mai June 3, 2015
  671. Nora May 29, 2015
  672. raymel sta maria May 28, 2015
  673. Nora May 27, 2015
  674. Miriam May 26, 2015
  675. claire mayol May 21, 2015
  676. rechaiza May 16, 2015
  677. Lilia Del Valle Cariaga May 16, 2015
  678. April May 15, 2015
  679. Nora May 14, 2015
  680. Maricel May 13, 2015
  681. Maria Consuelo Gomez May 11, 2015
  682. Nora May 4, 2015
  683. Roselyn Pilare May 2, 2015
  684. Nora April 29, 2015
  685. Nora April 29, 2015
  686. Joneve Marie Quirol April 29, 2015
  687. Marsha B. Francisco April 27, 2015
  688. jas April 24, 2015
  689. Nora April 24, 2015
  690. Nora April 24, 2015
  691. jas April 23, 2015
  692. Ronaldo Borja April 21, 2015
  693. Nora April 21, 2015
  694. Isabel April 20, 2015
  695. Nora April 13, 2015
  696. Lori April 12, 2015
  697. Nora April 12, 2015
  698. ma.blesila diza April 12, 2015
  699. Jemuel April 10, 2015
  700. Nora April 3, 2015
  701. dianne April 2, 2015
  702. Nora April 1, 2015
  703. Nora April 1, 2015
  704. dianne April 1, 2015
  705. rb April 1, 2015
  706. Nora April 1, 2015
  707. rb April 1, 2015
  708. rb April 1, 2015
  709. Nora March 27, 2015
  710. Erin March 27, 2015
  711. Nora March 26, 2015
  712. celly marcaida March 25, 2015
  713. Nora March 23, 2015
  714. Jinky March 23, 2015
  715. Nora March 19, 2015
  716. Janice Lingad March 18, 2015
  717. Nora March 17, 2015
  718. rb March 17, 2015
  719. Nora March 17, 2015
  720. oliver March 16, 2015
  721. jackie March 16, 2015
  722. Nora March 13, 2015
  723. Cherry March 13, 2015
  724. GM March 13, 2015
  725. Nora March 13, 2015
  726. Cherry March 12, 2015
  727. Nora March 10, 2015
  728. Reginald S. Espiritu March 9, 2015
  729. Nora March 9, 2015
  730. Reginald S. Espiritu March 9, 2015
  731. Micah March 8, 2015
  732. Nora March 8, 2015
  733. jhoe March 8, 2015
  734. Nora March 7, 2015
  735. Reginald S. Espiritu March 6, 2015
  736. Nora March 6, 2015
  737. Reginald S. Espiritu March 6, 2015
  738. Nora March 5, 2015
  739. Reginald S. Espiritu March 5, 2015
  740. Cherry March 4, 2015
  741. Nora March 1, 2015
  742. Lhen February 28, 2015
  743. Cherry February 26, 2015
  744. Nora February 26, 2015
  745. Cherry February 25, 2015
  746. Cherry February 25, 2015
  747. Nora February 25, 2015
  748. Cherry February 24, 2015
  749. Cherry February 24, 2015
  750. Nora February 24, 2015
  751. janice February 23, 2015
  752. Nora February 23, 2015
  753. Nora February 23, 2015
  754. Hestra Villorente February 23, 2015
  755. Cherry February 23, 2015
  756. Nora February 10, 2015
  757. Nora February 10, 2015