Funeral Benefit

O V E R V I E W Q U A L I F Y I N G C O N D I T I O N S H O W T O A P P LY B E N E F I T PAY M E N T

A. Application Requirements

1. Claim for Funeral Benefit (SSS Form BPN-103)

2. Filer's Affidavit (Sinumpaang Sanaysay)
3. Death certificate duly certified by the Local Civil Registrar
4. Official Receipt of payment issued by the funeral parlor
5. Affidavit of funeral expenses
6. Photo of filer and valid IDs

Other supporting documents may be requested if found necessary during the processing of
the claim.

B. Filing Procedure

Applications for funeral benefit are filed at any SSS branch or representative office.

Application Requirements

1. Death Claim Application (SSS Form DDR-1);

2. Affidavit of Death Benefit, if claimant is secondary beneficary (SSS Form CLD-
1.3A)
3. Filer's Affidavit (Sinumpaang Sanaysay)
4. Other Affidavit, whichever is applicable
Joint Affidavit of Two Disinterested Persons, if claimant is legal heir or
designated beneficiary (SSS Form CLD-1.3)
Application for Appointment as Representative Payeee, if claimant is
guardian (SSS Form CLD-15)
5. Report of Death (SSS Form BPN-105), if death is work-related
6. Claimant's photo, signature form and valid IDs
7. If claimant is spouse of the deceased, marriage certificate and birth
certificates of minor children (duly certified by LCR/NSO)
8. If single, the deceased member's birth certificate and marriage certificate of
parents (duly certified by LCR/NSO)
9. Certified true copy of deceased member's death certificate
certified/issued by LCR/NSO, if member died in the Philippines
issued by vital statistics/census office or equivalent agency and
certified by the Philippine Embassy/Consultat, if member died abroad
10. For pension - Single savings account passbook or ATM card with validated
deposit slip or Cash Card Enrollment Form (photocopy and presentation of original for
validation)

Note: Other documents may be required as they may be found necessary during the
processing of the claim

B. Filing Procedure

Applications for death benefit are filed at any SSS branch or representative office. You can
also watch our How-To video for a more detailed instruction.

Death Benefit
O V E R V I E W Q U A L I F Y I N G C O N D I T I O N S H O W T O A P P LY P E N S I O N D E TA I L S

There are two types of death benefit paid to beneficiaries of a member: Pension and
Lumpsum Amount.
 To qualify for either, the member must have met the following:

For Pension - the deceased member must have paid at least 36 monthly contributions
before the semester of death.
For Lumpsum Amount - granted to the primary beneficiaries of a deceased member
who had paid less than 36 monthly contributions before the semester of death. Also, in the
absence of primary beneficiaries, the secondary beneficaries are granted the death benefit
in lumpsum amount.

There are two types of death benefit:

monthly pension - granted only to the primary beneficiaries of a deceased member

who had paid 36 monthly contributions before the semester of death.
lumpsum amount - amount granted to the primary beneficiaries of a deceased
member who had paid less than 36 monthly contributions before the semester of death. The
secondary beneficiaries shall be entitled to a lump sum benefit.

Monthly Pension

Benefit Computation

The monthly pension depends on the member's paid contributions, his credited years of
service (CYS), and the number of dependent minor children that must not exceed five. The
monthly pension will be the highest amount resulting from either one of these three pension
formulae:

1. the sum of P300 plus 20 percent of the average monthly salary credit plus two
percent of the average monthly salary credit for each credited year of service (CYS) in
excess of ten years; or

2. forty (40) percent of the average monthly salary credit; or

3. P1,000, if the CYS is less than 10; P1,200 if with at least 10 CYS; or P2,400, if the CYS
is 20 or more.

The monthly pension is paid for not less than 60 months.

Dependents and Beneficiaries

If a deceased member is survived by less than five minor legitimate, legitimated, or legally
adopted children, the illegitimate minor children will be entitled to 50 percent of the share of
the legitimate, legitimated or legally adopted children in the basic pension and 100 percent
of the dependents' allowance.

In cases where there are no legitimate, legitimated, or legally adopted children, the
illegitimate minor children shall be entitled to 100 percent of the basic pension, plus
dependent's allowance.

Dependent's Allowance

The dependent legitimate, legitimated, legally adopted or illegitimate children, conceived on

or before the date of death of a deceased member will each receive a dependents?
allowance equivalent to 10 percent of the members' monthly pension, or P250, whichever is
higher.

Only five minor children, beginning from the youngest, are entitled to the dependents?
allowance. No substitution is allowed.

Where there are more than five (5) legitimate and illegitimate minor children, the legitimate
shall be preferred.

The dependents' allowance stops when the child reaches 21 years old, gets married, gets
employed or dies. However, the dependents' pension is granted for life to children who are
over 21 years old, provided they are incapacitated and incapable of self-support due to
physical or mental defect which is congenital and acquired during minority.

Other Benefits

The deceased member?s beneficiaries are entitled to a 13th month pension, payable every
December and the funeral benefit, which is paid to whoever shouldered the funeral
 expenses of the deceased member.

Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also entitled
to hospitalization benefits under PhilHealth. They need to register under PhilHealth and must
submit a DDR print-out indicating the type of claim is survivorship in nature and the
effectivity date of pension or a copy of Death/Survivorship Certification issued by the SSS
indicating the effectivity of the pension shall be submitted to PhilHealth.

Survivorship pensioners under the effectivity of RA 7875 on March 4, 1995 and thereafter,
are no longer covered. However, those who wish to avail of PhilHealth benefits may enroll in
the Individually - Paying Program (for voluntary/self-employed) or the Indigent Program (IP)
of PhilHealth.

Benefit Payment

The monthly pension is paid thru the beneficiary?s designated bank. The beneficiary is
allowed to choose the bank nearest his residence thru which he wishes to receive his
pension benefits under the ?Mag-impok sa Bangko? program. This became mandatory
effective September 1, 1993.

The beneficiary must open a single savings account and must submit to the SSS his saving
account number and a photocopy of his passbook or ATM card upon filing of application. The
original passbook/ATM must be presented for authentication purposes.

Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing
him when to withdraw his benefit from the bank.

Lump Sum Amount

The primary beneficiaries of a deceased member who has paid less than 36 monthly
contributions shall be entitled to lumpsum benefit, which shall be the higher of:

monthly pension multiplied by the number of monthly contributions paid prior to the
semester of death; or
twelve (12) times the monthly pension.

The secondary beneficiaries of the deceased member shall be entitled to a lumpsum benefit
equivalent to:

36 times the monthly pension, if the member has paid at least 36 monthly
contributions prior to the semester of death; or
monthly pension multiplied by the number of monthly contributions paid or twelve
(12) times the monthly pension, whichever is higher, if the member has paid less than 36
monthly contributions prior to the semester of death.

IMPORTANT!

The primary or secondary beneficiaries of a deceased member, who had no

contribution payment at all and who was reported for coverage only shall be entitled to
funeral benefit only.
If the totally disabled pensioner has no primary beneficiaries and dies within sixty
(60) months from the start of the monthly pension, the secondary beneficiaries shall be
entitled to a lump sum benefit equivalent to the total monthly pensions corresponding to the
balance of the five-year guaranteed period excluding the dependent?s pension.
The pension stops when a partial disability pensioner retires or dies.