Live-In Relationship Also Stops SSS Pension

 
It’s not only remarriage that will stop the SSS pension of an SSS death pensioner.  Cohabitation or living together with another person like husband and wife will also stop the SSS pension.
 
A lot of people think only remarriage will stop the SSS pension, based on the SSS law that defines the beneficiary spouse as “the dependent spouse until he or she remarries.”
 
But it is not so, according to the  Social Security Commission (SSC).
 
The SSS stated in a Supreme Court decision that the word “remarry” in the SSS law also includes a spouse who cohabits with a person other than his or her deceased spouse or a spouse in an illicit relationship.
 
Cohabitation is defined as living together as husband and wife while being unmarried.
 
There have already been cases where a death pensioner lost his/her SSS pension because SSS found out that he/she has been living with another person like husband and wife.
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References:
. From the Mailbox, (2014, March). SSS Newsletter, p. 8.
. Social Security Commission v. Favila, G.R. No. 170195, March 28, 2011. Retrieved from http://www.lawphil.net/judjuris/juri2011/mar2011/gr_170195_2011.html

100 Comments

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  1. Hi Nora,
    Ask ko lang, may brother died 2years ago naulila nya asawa and 2 anak nya. Pero after 1 year, nanganak byuda nya nakipagrelasyon na pala to wala pang isang taong namamatay si Kuya. Pag nalaman ba to ng SSS Pwede syang matanggalan ng pension? Damay ba ang 2 minor kids na anak ng namayapa kong kapatid na mawawalan din ng pension?
    Thank you.

  2. Hi Catherine, ang alam ko hindi valid ang second marriage kasi merong first marriage. At hindi yon nawalan ng validity kasi hindi naman na-annul bago nag-asawa uli ang mother mo. Ang status bale ng stepfather mo is single, so kung wala siyang anak na under 21, ang beneficiaries ay ang kanyang mga parents. Buhay pa ba ang mga parents? Kung wala na sila, subukan pa rin mag-file ng mother mo, baka sakaling naisulat ang mother mo as Designated beneficiary, at baka sakaling walang ibang valid claimant (minor child, or parents of member).

  3. Hi jenny, nagkaanak ba ang mama mo sa ibang lalaki BEFORE namatay ang papa mo? At nagsama pa rin sila bilang mag-asawa kahit ganun ang nangyari? or nagkaanak sa iba AFTER namatay ang papa mo?

  4. Pensioner po mama ko dhil sa pgkmatay ng papa qoh.pero bgo namtay papa ko nlmn nmin n my iba sya pmilya.dhil dun dinibdib ng mama ko lhat at ngcmula lumbas ksma brkada pero s di inaasahn ngkaanak xia pero hnd cla ngsama nung llki.bumibicta lng cia pra sa anak nya.ngyon po ngfile po ako pra sa retirement ng mama ko at nilgay ko pngaln nung nging anak nya.meron po ngpunta sa bhay n mginterview sa mama qoh tyempo n bumicta yung llki s bhay ask kopo nif po kc ng mama ko ung mga pension nya for suppprt sa diabetes nya at hypertension nputulan ntin po ng paa mama ko.wala po kming pera pra tustusan yon ano po mangyyari samin.ngyon nlman nila na gnun po.

  5. Catherine de Guzman

    Ano po ang pwedeng gawin,, kasi po namatay na po ung stepfather ko.. kasal po sila ng nanay ko.. pero nung kinuha po Ang cenomar ng nanay ko Nakita po dun na kasal din po sya sa dati nyang Asawa.. taong 1983 po nung kinasal sila.. Hindi na po sya ngpakita sa amin taong 1986.. nagsama po Ang nanay ko at Ang stepfather ko. Nagpakasal po sila noong 1999.. valid passport din po ba yung kasal nya sa una kahit ganun katagal na syang Hindi ngpapakita sa amin??

  6. Hi Ma’m good day po, tanong ko lang po sa estimate nyo mga gano katagal bgo maibigay ng SS ung result ng case namin…. May 1year po kaya bgo madesisyonan para ung s deathclaim?

  7. Hi Maria, based sa mga nabasa ko, yong pension mo lang ang mawawala, after malaman ng SSS na may relasyon ka na sa iba.

  8. Hi tanung ko lang po mawawala po ba yung pension namin ng mga anak ko kapag nagkaanak na po ako sa iba or yong sken lang po yung mawawala salamat po.

  9. Hi Mam, yes po tama kau makkakuha nga si tomboy s pagibig ung total lumpsum na makkuha n provident benefit idivide s 3 kay tomboy sa anak ni tomboy na may aswa n 33years old & sa anak ko… Khit matagal ng hiwalay 34years n, hay ewan! Ung s SS naman po wla pang final result. Kya hinde kp kau maupdate tungkol dun.

  10. saan particularly sa sss (in letter) pede mag file ng complain about illegal pensioners ( with cohibition)

  11. Hi mhina, employee ka ba? O nag-register ka ba as self-employed? Naisulat mo ba yong mga anak mo as your beneficiaries? Subukan mong isulat ang asawa mo sa “Other beneficiaries”. Ang isulat mong relationship ay common-law husband.

  12. Gud eve po,,ask lang po baguhan p lamang po ako sa pagkuha ng sss.
    Gusto ko pong I beneficiary ang along asawa kasi do po kami kasala in short live in lang po kami at may 2 making anak…pwede po BA un

  13. Hi Jane, sorry pero ang alam ko, mapupunta sa legal wife yong pension amount na pumupunta sa iyo. Yong sa sister mo, hindi na mag-i-increase kasi when they computed it, ginamit na nila yong 10% of total basic pension amount. Ang dependent’s pension kasi is 10% of basic pension, or 250 pesos, whichever is higher. Ang increase lang is yong increase na 100 pesos, galing sa 1k pesos na increase under Duterte’s admin, at sana naman ay naibigay din sa inyo.

  14. Hi Nora.

    Since my dad died in 2013, nakakatanggap ako at ang youngest sister ko ng pension. Illegitimate children kami at living pa yung legal wife who is also a beneficiary of my dad’s death benefit. The problem is I’m turning 21. Once matigil yung part ko sa pension, what will happen? Madi-divide ba ulit sa youngest sister ko at sa legal spouse ni Papa yung amount? It’s our only source of income .

  15. Hi Rose, una muna yong sa salary loan mo. Merong loan penalty condonation ngayon, so mag-apply ka asap. Punta ka lang sa SSS with your SSS ID. October 1 ang deadline pero mas maganda mas maaga ang application.
    Next, ask your partner to change his SSS beneficiaries. Mag-file siya ng Member Data Change Request form. He brings his ID or authorization letter with IDs of representative and husband. Keep the “Received” copy. Sa form (fill up the “Update Beneficiaries” portion), write name of children and check “New”. Present birth certificates (puedeng from local registrar) or baptismal certificates. Pag isulat ang name mo, check din “New”. Isulat ang “common-law wife” under Relationship.
    When it’s time to claim your husband’s pension, hindi na qualified yong legal wife as pensioner kasi matagal na silang hiwalay (but SSS should be informed about this situation before the pension is processed, so it’s important that his SSS record be changed/updated). Hindi na siya “dependent spouse” which is an SSS requirement for a spouse. Hindi na rin primary beneficiary ang child nila kasi adult na. Maging beneficiary lang ang adult child kapag walang ibang beneficiary. If your husband can make an Affidavit of Abandonment by Spouse, mas maganda para meron kang ipakita sa SSS later on. Idagdag sa affidavit niya na since “month and year”, he has been living with his common-law wife and has children (mention names and kids’ dates of birth)

  16. Rose Marie Santos

    Hello po mam nora. Gusto ko lang po sana magtanong about my situation. Meron po akong dalawang anak. Na 10 years old boy.and 8 years old na girl. Im living with their dad for 13years now. But we are not married kase meron po sya nauna asawa. Pero matagal na po sila hiwalay before i met him hiwalay na sila. At nauna nag third party and asawa ng live in partner ko.at may mag anak na rin na mas matanda pa sa mga anak ko. Nagpepension ang live in partner ko 6years from now for disability. Kase dialisis patience sya. I wanted to know po if i have the right to claim his pension for my kids if incase something happend to him. Kase may nauna syang anak isa buy she is 22 years old now. I just wanted to know where to put my feet. If just incase dumatinh point na something is wrong. Do i have the right or legal wife nya kahit may asawa at family sya. Or can i be guardian to my kids to be sure that they can get para kung ano ang dapat para sa anak ko. Kase i worried about my kids future. I am the one who look after him since he get sick. Ako ang nagbabayad ng lahat ng pangangailangan ng aming mga anak. But im happy to do all that. Because i love my kids and my partner. I just want to be sure kung san ako dapat lumagay.. i have also my own sss po. Nakalimutan ko po may pay ng loan ko for half a yeaR. Pano po ba ang maaring gawin ko dun.can i pay it fully paid or i need to pay 24months.thank u po.. waiting for ghe responce po..salamat.

  17. Hi N, dapat mag-file ka na agad sa Pag-ibig kasi sa Pag-ibig, puedeng maka-claim ang wife na merong marriage certificate kahit hiwalay na nang matagal. I-explain mo na separate ang filing mo kasi hindi pumapayag yong first wife na mag-claim ang anak mo. Ang malamang na result is the benefit will be divided between the tomboy and your child. I-present mo ring yong marriage cert mo to see what they will do.

  18. Good morning po!thank u po Ma’m s mga info nyo mabilis pa kaung magresponse malaking tulong po ito s mga katulad nmin… Pano po kaya ung s pagibig fund niya Ma’m balak kn rin po sna ayusin, un nga lang po palaging nangunguna si tomboy s pera.. Nung nabbuhay ang asw ko puro skit ng ulo binibigay smin gang ngayong patay n skit prin siya sa ulo hinde parin patahimikin ang asw ko…

  19. Hi Julie Ann, so sad nga ang iyong situation. I’m thinking also about your safety, as I don’t know the character of the bf.
    Pero ganon pa rin ang opinion ko na hayaan nyong ibang tao ang mag-report sa SSS. Pag ang mother nio ay wala nang SSS, iiwanan na kaya siya ng bf niya kasi wala na siyang pera? At ang mother nio, ano kaya ang magiging trato sa inyo na kayo ang nag-report sa SSS? Kung nawalan siya ng pension dahil inireport siya ng unknown persons, ang sisisihin niya ay yong ibang tao at maybe, ang sarili niya. Pero kung kayo ang nag-report at malaman niya, palagay ko hindi niya sisisihin ang sarili niya, kundi kayo ang sisisihin niya habambuhay. So I think you should go on with your own lives as adults, and take very very good care of yourselves.

  20. Hi N, meron pala kayong minor na anak, so primary beneficiary ang anak mo (kahit hindi siya nakasulat sa SSS, kasi meron naman siyang birth cert), at hindi na qualified yong mother as secondary beneficiary kasi merong primary beneficiary (your child). Ang question na lang is yong amount, kung mapupunta sa kanya ang main pension, or yong dependent’s pension lang — mag-depend ito sa desisyon nila about the first spouse. I hope your child gets the full pension. I hope you’ll have time to update me when your case is resolved, and thanks.

  21. Hi po, bale may anak po kmi ng aswa ko 13years old… Tapos ung mother niya eh buhay po nsa 82years old na.. Yes po ngfile n po ako and sn nga po kming mgina ang nkasulat n benefiary.. Pra lalong mapabilis..waiting nlang po s decision ng SSS…

  22. Julie Ann Alquizalas

    Hi nora its me again julie, wala na po talagang pagasa eh. Kahit anong gawin namin mas pinili talaga niya yong lalaki.masakit sa loob namin na ganun2 nalang pagtakwil niya samin at sa apo niya. Legal age na po kaming 3. Hindi po namin matanggap na ibang lalaki ang makikinabang sa pension ng papa namin. Nagkakagulo na kami at dumating sa point na kahit anong pakiusap namin sakanya eh pinili niya talaga yong lalaki.

  23. Hi Julie, ano bang mga edad nio? Meron bang work ang mother nio? Merong ibang source of income kayo kahit wala nang pension? Against SSS law nga ang pagtanggap ng pension kung meron nang kinakasama, pero sa opinion ko, hayaan nio na lang na ibang tao ang magreport sa SSS para ma-preserve ang relationship nio ng mother nio. Ang gawin nio na lang is kapag wala yong bf, tanungin ang mother nio respectfully kung sigurado ba siya sa character ng bf niya. At i-request nio na kung puede ay huwag patulugin sa house nio. Sabihin nio rin na nabasa nio na ang SSS pension ay itinitigil ng SSS kapag merong report ng kapitbahay o relative o sinuman at mag-iimbestiga ang SSS. At palagi kayong mag-ingat. Pray for your mother and your family.

  24. Julie Ann Alquizalas

    hello,
    Good pm gusto ko lang po itanong kung paano po namin ipaclose yong sss ng papa ko. Kasi po may iba ng bf ang nanay namin so napagkasunduan naming magkakapatid na ipahinto na ang pension ng papa ko dahil may iba na ang nanay namin at labag sa aming loob na magkaroon siya ng iba samantalang kakamatay lang ng ama namin.habang siya may bf na agad at excon po eto. At pinapatulog po sa bahay namin. Ano po dapat naming gawin help po naman. Salamat

  25. Gud pm po ask ko lng po namatay na po un tatay tpos nmn po yung nanay ko po may kinakasama ng iba makakuha pa po sya ng pension

  26. Hi N, nakuha mo na ba yong funeral benefit? Palagay ko nakuha mo na, kasi pumunta sa house mo ang SSS officer. Pero kung hindi mo pa nakuha, kunin mo muna yong funeral benefit. Meron ka namang funeral receipts, so maki-claim mo yan. About death benefit, mag-file ka ASAP ng claim mo sa SSS para malaman kung nakasulat ka as beneficiary sa SSS records ng asawa mo, at para ma-disqualify yong first claimant. Kasi sa SSS, kahit legally married, pero matagal nang hiwalay, at merong ibang kinakasama, hindi considered “dependent spouse”. Ang rule ng SSS is dapat “dependent spouse.” Use your marriage cert kahit second marriage. Kung nakasulat ka as beneficiary, mas malaki ang chance na ikaw ang magiging true beneficiary. Meron pa bang parents ang asawa mo? Kasi kung walang “dependent spouse” and minor children, ang susunod na beneficiaries ay mga parents. Then kung wala nang parents, ang susunod na beneficiaries ay yong mga nakasulat na beneficiaries sa SSS records ng asawa mo. I hope your husband changed his SSS records and wrote your name. So mag-file ka na ng claim ASAP. Hindi ko sure kung meron nang decisions o rules ang SSS about second marriages or common-law relationships, so maigi na mag-file ka na ASAP. I hope you can write me updates later on kung anong naging result. Take care

  27. Good eve po, pls!patulong naman po medyo kakaiba po kasi ang case ko namantay po ang asw ko nitong mayo kasal po kmi.. Ang hinde ko po alam may nauna pa siyang pinakasalan 34years n po silang hiwalay.. Ako po ang kasama niya s hirap at ginhawa hanggang s huli at maipalibing ko…nagulat nlang po ako ng mgpunta dito s bhay ang isang empleyado ngSSS para magimbestiga may nauna ng ngfile ng claim… Tomboy po siya hiniwalayan niya ang asw ko kasi nga ang gusto niya eh babae gang ngayon hinde siya nwalan ng kinakasama at confirm po un… May isang anak po sila 33years old at may sariling pamilya n rin… Posible po bang madisqualified si tomboy para mgpension? May karapatan po b ako maging pensioner ng asw ko?

  28. Hi Mommy, yes, makakakuha ng death or survivor’s pension yong active SSS member from the death of his wife kahit working pa siya, basta hindi makikipagrelasyon sa iba. Magiging guardian din siya ng mga minor children. When he turns 60, magpe-pension din siya ng sarili niyang retirement pension, so magiging 2 pensions ang tatanggapin niya, in addition to his being a guardian kung minors pa rin ang mga kids niya by the time of his retirement.

  29. Hi Sarah, yes, kahit nag-asawa uli, puede pa ring guardian ang widow pensioner ng kanyang mga minor children.

  30. Wanna ask lng po wat if ung widow pensionet nag asawa ulit mawawala din ba ang sss pension ng mga anak nila ng namayapang asawa na menor de edad..or pwdi parin siya maging guardian..

  31. Pag namatay ba ung asawa ng isang active sss member me makuha syang pension o anak lang nila kasi nagtatrabaho pa naman ung byudo?

  32. Hi Cristina Bang-as
    Sa mga dependent o survivor pensioner kailangan pa rin na mag file ng ACOP, halimbawa kailangan mag update ng ACOP sa buwan ng kapanganakan ng namayapa mong ama, dalhin mo ang ACop sa SSS office para mas mabilis na mapondohan yung ATM ng Nanay mo. thanks

  33. Cristina Bang-as

    Hello po.
    Yong mama ko po NASA abroad po ngayon para mg-alaga ng apo kasi nanganak po yong sister ko. Pumunta po sya dun nung Oct18,2017. Uuwi din po sya sa Oct15 2018. Yong pension po kasi nya sa father ko na namatay nahinto mula nung January 2018. Kailangan pa po ba ng ACOP e sabi nyo po stop na po ang ACOP mula nung OCt 2017 po? Kailangan po ng mama ko yong pension nya po kasi pinambibili po nya yon ng gamot nya para sa maintenance nya at tinutulong sa mga apo nya. Sana po matulungan nyo po kami. Salamat po and God bless.

  34. Ruth Krystel Parinas

    Hi Ms.Nora gusto ko poh sana malaman kunh
    Pwede ko ipatigil pension ng mama ko.siya poh ay may kinakasama na ngayon at nakatira sa bahay ng lalaki.yung pension poh ay sa papa ko na namatay
    Ayoko makinabang yung lalaki sa pera pinaghirapan ng papa ko..salamat poh

  35. Hi bonbon, are you living together with your partner in the same dwelling? If yes, then consider reporting your situation to the SSS. In the Death Claim application that you signed when you filed your pension claim, you signed this: No. 5. I will immediately notify the SSS in case any of the above listed children die, marry or become employed, or I cohabit or remarry.
    There’s also this note on the form, in capital letters: 2. A PERSON WHO CONTINUOUSLY RECEIVES MONTHLY PENSION DESPITE OF REMARRIAGE OR COHABITATION SHALL BE CRIMINALLY LIABLE UNDER RA 8282 (Social Security Act of 1997).
    I have not read of anyone getting charged with this violation — what is being done is that the SSS just stops the pension as soon as they get a report from the pensioner, or after investigation, in cases where the allegation is reported by other people. There’s a comment here made where the widow’s pension was stopped and added to the pension of the minor kids after the SSS got a report from other people. There’s also a comment where several reported a pensioner living in with an OFW, but that the pension was still being sent.

  36. im a pensioner and with 2 kids.what should i do now that im in a relationship..should i tell the sss or just wait until they know the truth? meron na po bang nakulong dahil jan sa nakasaad na if ever in cashment of check or withdrawing the pension habang in relationship ka na sa iba?

  37. hi po ask ko lang po if san po pwede direct magreport sa case na..
    kung ang isang babae na tumatanggap ng buwanang pensyon galing sss dhil sa namatay nyang tunay na asawa at ngaun ay may kinakasama na syang ibang lalaki now. nagabroad din ung kalive in partner nya! para po mag stop ang kanyang pensyon monthly.
    at may katibayan din po kami na nagpapatunay na nagsasama sila.

    marami napo nagsurvey pero nakakalusot pdin sya at patuloy anq pension nya.

  38. Hi Danilyn, nag-transfer ba ang SSS na hindi nag-investigate? Kahit hindi remarried, basta merong man-woman relationship with another person. Pero your mama can go to SSS and ask why her pension stopped. She can also file a complaint with the SSS. Then later on sa SSS Commission kung hindi pakinggan ng SSS.

  39. Danilyn Fernandez

    Hi po ask ko lang, natigil kase pension ng mama ko. Hindi po siya remarry/cohabited. Kase may nagreport sa SSS na nag asawa daw ulit siya kahit hindi naman po talaga. Ang ginawa po namin nilipat sa pangalan namin magkakapatid. Tas pag dating ng 21 years old na kapatid ko matitigil na pension namin. Possible po bang mailipat ulit yun sa pangalan po ng mama ko? Salamat po.

  40. Hi Hazel, yes, posible na hindi mawawala. Pero posible din na merong mag-report na iba: friends, co-workers, mailman, pensioner’s relatives, people on social media like Facebook if one is active in social networks.

  41. Hi nora,
    Ask lng po ako if wla po ba mgreklamo sa relatives nng namatay mo na husband or any of the neighbors nyo na my ka live in ka posible po ba na hindi po mawawala ang pension mo?

  42. Hi r, ask your husband to write you as his beneficiary sa SSS record niya, para kung walang primary at secondary beneficiaries, ikaw ang claimant. Kung wala siyang anak doon sa una at kung wala na siyang parents, ikaw ang natitirang claimant, kasi he designated you as his beneficiary. Yong legal wife, hindi na maka-claim kasi matagal nang hiwalay at nagkaroon pa ng anak sa iba. Pero kung meron kayong anak na under 21 years old, siya ang primary beneficiary at ikaw ang guardian (not beneficiary, kasi merong primary beneficiary). Kung merong mga anak sa una at under 21 years old rin, kasama rin sila as primary beneficiaries (guardian din yong first wife).

  43. Bago kami kinasal ng husband KO may legal wife pala siya late kuna nalaman almost 2o years n sila hiwalay pero sinabi ng asawa KO at hipag KO n may ka live patner at nagkaroon sa iba lalaki n nagging anak 2 may karapatan b ako magclaim kahit second wife lang ako kinasal rin kami

  44. Hi Bernard, yes, puedeng mawala kung merong mag-report sa SSS na meron siyang bf, at kung mag-investigate ang SSS ay merong mga ma-interview sila na magsasabing nakikita nila yong bf sa house ng pinsan mo. Siguro huwag na lang tawaging bf, at siguro naman wala siyang kaaway na neighbor o kamag-anak na magre-report at hindi siya nagpopost sa internet ng photos with bf at siguro iwasan na lang ang overnight. Or huwag na lang kayang mag-bf? friend na lang. hehe nakialam

  45. Hi mrs nora, Yung pinsan ko kasi byuda, shes receiving pension from her deceased husband, ang problema may bf sya ngayon, may mga nag a advice daw sa knya n pede mawala yung pension nya. di nman sila live in ng bf nya, pero mibsan dumadalaw ung bf nya sa knila at dun nag o over night pero madalang lng yun. Ground ba yun para m terminate yung pension ng pinsan ko? Thank you

  46. Hi Marius, yes, if the two pensioners remarry each other, and even if they just live together without getting married, and SSS will come to know of it via reports from neighbors or relatives, SSS will stop their death or survivor’s pensions after validating the reports. And yes, their own pensions arising from their own membership and retirement will continue.

  47. What about the case that two old SSS pensioners who are a widow and a widower, and their respective deceased spouses were also SSS pensioners, AND they are receiving to date the pension of their respective deceased SSS spouses pensioners…

    Question: Will they lose the pension of their respective deceased SSS spouses-pensioners, when they remarry each other, although they continue to receive each one his/her respective pension – because each one is an SSS pensioner in his/her own right?

  48. Hi James A and Oliver, thank you very much for responding to the questions. Happy, healthy and prosperous new year!

  49. Laila,

    I think you need to read the article again. The answer is already there.

  50. Nomar Brite,

    There is no ground for the wife of a deceased to be deprived of pension just because she has been employed. She will receive pension as long as she lives, provided that her deceased husband has completed at least 36 monthly contributions in the semester before his death, or until she remarries.

    The only condition relating to employment that would cause the pension to be terminated is when a child below 21 years of age becomes gainfully employed.

    The condition for employment terminating the pension only applies to a child below 21 years of age and not to the widowed spouse.

    She can have as many jobs as she wants and she will still receive pension benefits.

  51. Hi Tranks,
    Mag submit kayo ng ACOP, Annual Confirmation of Pensioner, ito ay dapat ginagawa sa buwan ng kapanangakan ng Pensioner o death dependents, sa kaso ninyo ay sa buwan ng kapanangakan ng iyong Ama.Ito ay ginagawa taon taon, Para mas mabilis ang aksion mag submit ang iyong ina sa branch ng SSS kung saan siya nag file ng pension dati. magdala rin siya ng mga identification Card, pag wala naman problema pag katapos ng isang buwan ay mag re resume ang pension ng iyong ina. thanks

  52. Hi po, tanong ko lang kung anong dapat at pwedeng gawin kung ang sss pension ng mama ko ay natigil from my deceased dad. Hindi kasi siya nakapagfile ng acop since she recieves her monthly pension. My mother is not remarried/cohabited.
    The suspended of pension was on or before 2010 and up to now (2017) she never recieved any pension.
    Thank you

  53. Hi Ms. Nora ask ko lang po mejo naguluhan na kasi ako,yung common law husband ko died last april 2017 mero kaming isang anak na minor 5yrs old married po sya pero almost 10yrs ng hiwalay. Since ok naman kmi ni ex wife sabay kami nag file ng pension, un saken as guardian ng anak ko. Naguguluhan ako tungkol sa bank acct, nag open po ako ng itf since minor pa ang anak ko itf ang claim ko pro di tinanggap sa sss branch kung san ako nag file kc daw po dapat sa name ko lang. Ano po ba ang dapat na iopen kong acct?

  54. Tanong ko po sana kung pwde pbang.matigil ang pension kung mayroon dating.kinsma ang isang beneficiary pero nghiwalay n din po cla nung time po kc n Nkipgrelasyon sya wla po ngreklamo s sss kaya tuloy p din po ang pension nya

  55. What if a widow decide to gain employment because the SSS death benefit she’s receiving is too insufficient to sustain & maintain her & her three (3) children’s daily basic needs & necessities. Is that a legal ground to stop her from further receiving the death benefit?

  56. Pano po kapag yung beneficiary widow na po at may ka live in or gf sya may chance po ba ma stopped ang pension niya.

  57. hi mam ask lng ung friend ko po pensioner tapos my bf cxa at nabuntis po cxa pwde b cxa mag file ng maternity leave ?

  58. hi nora
    am here again for advise.
    my claim has been processed by my niece and everything’s has been approved.i worked for 18 yrs and i’m 63yrs old now.
    my question..how much is the lump sum and when will the monthly pension starts? i just would like to have an idea before heading to the phil.inspite of difficulty to travel i need to as it’s a requirement to open a pinoy bank acct. thanks again.

  59. Mylene

    Maaring mag update ka nang ACOP (Annual Confirmation of Pensioner), birth month ng late husband mo mas mahigi sa branch kung saan ka nag apply ng retirement benifits. (Ito ay kung walang aberya i.e. na nakipag live in o nag asawa ka na na automatic na putol ang benifits), thanks

  60. Hi
    Pwede po ba pa stop yung sss pension kapag may ka live-in. Yung nagpepension?

    Salamat po

  61. Hello,
    I would like to ask po bakit stop ang death pension kp .last pension receive was July. What i need to do
    Thank you

  62. Hi Nora,
    Paano if mayroon akong anak pero disgrasyada lang po meaning hindi kami nalive.in kailanman. Alam lahat ng kapitbahay namin na hindi ko nakasama yung lalaki. Isa rin po ba ito sa rason para mastop ang pension ko?

  63. Hi
    Hyacinth, may interview sa SSS Chairman hawig sa kaso mo na puwede kang mag habol ng pension c/o ng SSS Commission yung marriage certificate ay hindi absolute, kung ma prove mo naman na ikaw ang kasama sa mahabang panahon,(hirap at Ginhawa) kailangan mo lang ang maraming katibayan, pag hindi ka pinansin sa SSS, mag file ka ng dependent pension mo sa SSS Commission sila ang final na mag papasiya sa kaso mo. Yung Commission ay yaong mga ina point ng malacanang. Sana makatulong sa case mo. Thanks

  64. Just an example, how if widowed ako and I have a pension from my deceased husband na 8500 monthly and then nagpakasal ako, magkano matitira sa 2 son ko? and anung gagawin ng sss pag nlaman nilang I got married days after my acop and still getting my full monthly pension?

  65. Saan po pede magreport about sa pensioner na may kinakasama pag nagreport po ba ni malalaman kung sino ang nagrepot

  66. Saan po pede mag report na may kinakasama ung pensioner malalaman po ba ng pensioner kunf sino ang nagreport

  67. Hi nora..ung mother ko po my kinakasama na siya na iba pero hindi po cila kasal at wala din silang anak..pero po ung father ko po patay na.at ung pension naman ng mother ko nastop dahil daw sa my kinanaksama na yung mother pwde pa po kaya namin mahabol ng mom ko para maibalik ung pension niya. Reply po sana kayu.salamat

  68. Hi Rowena, you can inform SSS via email (member_relations@sss.gov.ph), mail or phone call. If through postal mail:
    Mario Sibucao
    Vice President
    Members Services Division
    SSS, SSS Building, East Avenue, Diliman Quezon City, Philippines
    Mention the name of the pensioner and address, as most likely you don’t know the SSS number. Also the name of the partner if you can, and your observations/proofs why you say the pensioner has another partner. For your own safety, take precautions to remain anonymous.

  69. Where to report a person who still received sss pension despite being re-married or cohabitated?

  70. Hi Liza, yes, what I know is their pension will continue even if their parent’s pension was stopped. Theirs will only stop when they turn 21 or get married or get employed. But I’ll check again, to be sure.

  71. Hi Liza, sorry but what I know is SSS does not restore the pension once it’s stopped due to a violation. But to be sure, ask SSS. You can protest their decision to stop your pension if you can show proof that the live-in situation is not true

  72. How if, the present live in partner got loss? will the benefit revive?

  73. Hi Ms. Nora, in addition to the previously sent inquiry, can the pension benefit be enjoyed by the legitimate children of the deceased member? it is understandable that the surviving spouse has new partner, will it disqualify the benefits of the legitimate children? Its not the fault of the children in any way.

  74. Hi. If a pension recipient has a live-in partner, does the benefit of the dependents will also be terminated? if not, how will this be computed?

  75. Hi Hyacinth, kapag ma-prove ng SSS na merong kinakasama ang spouse, hindi aaprubahan ang pension, or ititigil ang pension. Sorry na hindi ka makakakuha ng benefit kasi required ang marriage certificate. I don’t know everything about your situation, pero I hope you take the high road na lang para you can move on peacefully. I can sense naman na you’re independent, so maybe it’s better just to let them be. Kasi if you do something blocking their SSS benefits, they might hurt you or continuously send hateful winds against you. Stop mo na lang ang loan payment.

  76. Hi, Namatay ang common husband ko nung march 2017…hiwalay sya sa asawa nya since nung 2004,,2011 bumalik kmi ng pilipinas at ako na nag alaga sa kanya mula ng magkasakit sya at mamatay. habang may sakit sya ako ang nag babayad ng LRP o Loan Restructing Program nya sa SSS. Nung mamatay sya kinuha nila sa akin lahat ang ID nang common husband ko, para daw ung anak nya ang mag asikaso ng burial at any transaction.ask ko lang po kung may habol ba ko sa common husband ko? Pangalawa nalaman ko na may kinakasama na pala yung asawa nya, Mapapatigil ko ba ang pension nya?
    Thank you in advance po.

  77. Hi. My common-law-husband died last quarter of 2016. About to file pa lang po ako ng death claim. May isa po kaming anak & buhay pa po mother ng common law husband ko pero may kinakasama siyang iba (my husband’s father deceased already). Si Mama nia pa rn po ba beneficiary? Thank you.

  78. Hi ranz, natigil ba ang pension niya? Kasi kung natigil, baka nagreklamo na yong pinagsanglaan niya ng atm niya. Kung natigil, puede niyang i-activate uli. Madali lang naman. Dahil matagal na, he does not have to wait for his birthday month, puede nang pumunta siya sa nearest SSS branch with his SSS ID or other valid IDs and fill up an ACOP form. Kung na-activate na, ico-compute na yong lahat ng pension niya na hindi naibigay noong natigil. Kung malaki na yong naipon at ayaw ibalik yong atm card niya at para hindi mawidro ng iba, bago siya mag-file ng ACOP, mag-open muna siya ng new bank account for his pension. Puedeng i-declare na nawala yong old atm card (if he applies in the same bank), or puedeng ibang branch o ibang bank na accredited for SSS pension release. Pag may new bank account na, mag-file siya ng Pensioner’s Data Change Request to change his bank account number sa SSS. Then mag-file ng ACOP.
    Note 1: Depende rin kung malaki naman talaga yong nautang niya doon sa merong hawak ng atm card niya.
    Note 2: Merong dormancy ang bank account. Pag merong 2 or more years na hindi na nagagamit, naho-hold at di magagamit unless ma-activate ng account owner, kung gusto pa niyang i-activate.

  79. hi, i need to ask lang if maayos pa ba ng father ko yung pension nya, mga 2-3 yrs na syang hindi nagrereport thru ACOP on his birth month and parang naka-sangla pa yung atm nya, may chance pa ba na magkaroon sya ulit ng pension, thanks

  80. Hi shirly, opinion ko lang ha — ayaw mo man yang ginagawa ng mother mo, mother mo pa rin, at kelangan niya rin naman talaga yong pension niya. Anyway, hindi ko sure kung mapapatigil mo, kasi hindi naman lalaki yong kinakasama. Kung lalaki yon, titigil agad yon after ma-prove ng SSS na meron ngang kinakasamang lalaki. Sa Philippines kasi, hindi pa legally recognized ang same-sex marriage, so baka hindi pa considered na violation ang same-sex na pagsasama. Opinion ko lang ito ha. Puede ko itong tanungin sa SSS.

  81. Hi kc po gusto ko mlaman kng paano mpsuspend o mpatigil ang pension ng father ko n nmatay npasa n s mother ko, kc s ngaun po may kinakasama n ang mother ko n tomboy at meron clang ampon n bata…iba n po kc ang nkikinabang s pension ng father ko.

  82. good afternoon mam. I am working abroad as a nurse.but i had a cheating wife.she is having leave in partner for almosr 5 years.hindi pa legal ang pag hihiwalay namin dahil magastos ang annulment.gusto ko siyan maalis sa beneficiary ko.ano po ang dapat kong gawin since wala ako sa pilipinas?

  83. hello po.hiwalay na po kami ng asawa ko for couple of years.pero di po kami annul,gusto ko po sana sya tangalin as beneficiary.gusto ko po sana na mga anak ko na lang.paano ko po ggawin yon?pwede po bang mangyari yon?please advise.thank you.

  84. Hi Anna, if a survivor pensioner remarried/cohabited, and when she filed her ACOP, she checked NO to the question if remarried or cohabited, then SSS finds out the truth, then SSS could file a perjury case against the pensioner becaused the pensioner lied on the ACOP form. But based on what I’ve read, what SSS will do first is to send a demand letter to the pensioner to return to SSS all that was given as pensions since the remarriage/cohabitation plus interests. Then file a case if the pensioner ignores the demand.
    If the pensioner did not file any ACOP form, then SSS finds out, what SSS will do is just to demand for the return of pensions received since the remarriage/cohabitation plus interests.

  85. What is the consequences you will face if the sss founf you remarried or cohabited with another man? Are they able to file a case againts you?

  86. Alvin Kenneth Coquilla

    Hi po , gusto ko lang po malinawan . beneficiary po ako ng father kong namatay , nagpepension po ko sa sss niya totoo po bang kapag kumuha ako ng sarili kong sss tas mahulugan po ng company na pagtatrabahuan ko ay automatic na macucut off yung pension ko ? salamat po god bless po

  87. at kng na approve n po anu po yung voucher na pinapadala ng sss kc ung process po ng payment ng pension ng mother k po ay thru ATM po so anu po ung voucher na ipapadala ng sss once n na approve n ung claims nmin.

  88. hi gandang umaga po tanong klng po kung sakop paba ng pension ung kaptid kna babae hanggang mag 21 n cia o stop n pag lampas ng 18.

    at halimbawa po nabigyan na kmi ng stab at pinabalik kmi after ng 1month para malaman kung may problem.kng halimbawa po meron po continue parin po ba ung process ng deathclaim namin kng naayos agad namin yung problem.hindi ba kmi uulit sa umpisa kc sabi ng sss ung processing time nila is 1to3 months po.

  89. Hi emilyn, naka-file ka na ba ng funeral claim? at nakuha mo na? If you have claimed already, then good. I’m curious na you did not mention about your own pension. Bakit kaya hindi nagsabay ang claim mo at claim ng iyong children? Baka merong effect ito sa processing. Nag-follow-up ka na sa branch where you filed your claim? Meron pa kayang document na kulang? Yong husband mo ba ay nag-work from 1985 to 1989?

  90. Good evening nag file PO aq ng pension pra sa tatlo Kung anak last September 26 namatay PO asawa ku last October 2015 but still now po wala pang update…?

  91. Hi violeta, I’d like to think that SSS should have computed your pension correctly already so they would not need to make adjustments later on, but I’m not sure. Have you enrolled in SSS online service? If not, here’s how to enroll in online SSS, and then here’s how to see your SSS pension details. You need your bank account no. (the one used for your pension) Pag meron kayong tanong about some details that you see, comment ka na lang uli dito

  92. hello po i received already my retirement benefit last novemver 18,2015, for being a member from jan 1977 to 1989, having a monthly pension of P1.200.00 effective jan, 2016. may i know pls if i am entitled for the said adjustment? thanx much

  93. Hi melchor, if your father paid 6 or more contributions for every year from 1985 to 1989, your father’s Credited Years of Service (CYS) will increase by 5. SSS will recompute using the formula 300 + 20% x Average Monthly Salary Credit + (2% x AMSC x CYS-10). The result will be the new monthly pension. His monthly adjustment will be New monthly pension minus old monthly pension. Total adjustment will be monthly adjustment x number of months he has received his monthly pension.

  94. how is the computation of the adjustment so my papa and I can know the details

  95. Hi Lucy, did you mean your mother never lived with another man? and never had a relationship with another man? What do you mean by hindi magandang pangyayari? If you have proof, like barangay or police report or court case, then you can file your complaint with the SSS Commission in Diliman.

  96. My mother’s pension was stopped. Someone complained that she remarried/cohabitant and that she has a child. We admit my mother has a child, and it was because something bad happened. The child is already 13 yrs old.Can we protest?

  97. Hi Michelle, do you mean your mother did not file her SSS claim for you as minors when your dad died? The first wife and their children could have already filed their claim, and SSS would have to re-compute. You can file your claim. I’ll email you the list, or a link to the list.

  98. Michelle Abadiano

    Hi. I need your advise pls.My dad died 2006 and we found out that he had first marriage before my mom.We didn’t know about it until we got CENOMAR fron NSo office as 1 of the requirements.My mom just passed away last April 19,2016.I and my younger brother wanna get the benefit of our father from SSS.Can we claim the benefit?What are the requirements?Thank You!

  99. Hi Russel, yes, you’re right, only if SSS comes to know about it.

  100. Hi Nora,

    Only if the SSS is notified. I know somebody whose getting the pension of her dead wife even after he remarried 1 year after her death. That was around 2005 and we’re in 2016 now.

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