SSS Death Benefit – SSS Death Benefit Requirements

The SSS Death Benefit is a vital part of the Social Security System (SSS) in the Philippines, designed to provide financial assistance to the family or beneficiaries of a deceased member. This benefit is essential for helping families cope with the loss of a breadwinner, offering a financial cushion during an incredibly difficult time. Whether you are a member of the SSS or a beneficiary, understanding how to claim the SSS Death Benefit, the eligibility requirements, and the process involved is crucial.

Our comprehensive guide covers everything you need to know about the SSS Death Benefit, including eligibility, types of benefits, and how the benefits can help Weeping families. The SSS Death Benefits will also be discussed along with important steps to follow.

The SSS Death Benefit is a financial assistance program provided by the Social Security System (SSS) to the surviving family members or beneficiaries of a deceased member. The purpose of this benefit is to provide the surviving spouse, children, or other dependent family members with financial support following the death of the member. This can help cover funeral costs, medical bills, or daily living expenses.

This benefit is part of the broader SSS program, which aims to provide social security benefits to all registered members of the system. The SSS Death Benefit serves as a safety net for Filipino families, ensuring that they are not left financially stranded after the loss of a family member.

Death Benefits Types

• Monthly pension: A lifetime cash benefit paid to the primary beneficiaries of a deceased member who had paid a minimum of thirty-six (36) monthly contributions prior to the semester in which the member died.
• Lump sum benefit: A one-time cash benefit paid to beneficiaries of a deceased member who had paid less than 36 monthly contributions prior to his or her death. Upon the absence of the primary beneficiaries, the secondary beneficiaries will receive a lump sum payout.

The death benefit is awarded to the primary beneficiaries of the deceased member. The dependent spouse, unless he/she remarries, the dependent legitimate, legally adopted, or legitimated children, and illegitimate children of the member who are unmarried, unemployed, or not yet 21, or if over 21 years old, provided they are disabled and incapable of supporting themselves because of a physical or mental disability which is either congenital or acquired during their minor years.

Whenever there is no primary beneficiary, the death benefit is paid to the parents of the deceased, who are considered secondary beneficiaries. When they are absent, any other person designated in the member’s SSS record will be responsible. Under the Philippine Family Code, if there is no designated beneficiary, the benefit will be paid to the deceased member’s legal heirs in accordance with the law of succession.

It is paid through the beneficiary’s UMID card enrolled as an ATM to receive the death benefit, whether it is in the form of a monthly pension or a lump sum. Without an ATM card enrolled with the UMID, the beneficiary will have other options for receiving their benefits through PESONet Participating Banks/eWallets/Remittance Transfer Companies (RTCs)/Cash Payout Outlets (CPOs).

The monthly pension shall be paid by check to a beneficiary or claimant confined in an institution such as a penitentiary, correctional institution, or rehabilitation center.

Other benefits

The deceased member’s primary beneficiaries who receive a monthly pension are also entitled to a 13th month pension payable every December, and the funeral benefit, which goes to the person who was responsible for the deceased member’s funeral expenses.

Since January 1, 2017, all survivorship pensioners will receive an additional benefit of P1,000 per month.

Note: If the deceased member has not paid any single contribution, are the beneficiaries still entitled to the death and funeral benefits?

In the event a deceased member did not make any monthly contributions but was duly reported for coverage, the deceased member’s beneficiary/ies are entitled only to funeral benefits.

If a member’s dependents are legitimate, legally adopted, legitimated, or legitimated, and illegitimate children are conceived, legally adopted, or legitimated before the member’s death, they will be eligible for dependents’ pensions equal to ten percent (10%) or P250, whichever is greater. There is a payment for each dependent child, although not exceeding five (5), beginning with the youngest and without substitution.

If there are five (5) or more dependent legitimate children, legitimated children, legally adopted children, and illegitimate children, the dependent legitimate, legitimate, and legally adopted children shall be given preference.

The dependent child’s pension shall cease once the dependent child has:

• Death;
• Marriage;
• Gainfully employed; or
• Reaches 21 years of age, except when they are incapacitated and incapable of self-support by a physical or mental disability that was congenital or acquired during their minority years.

Read also: SSS Retirement Benefits – How Much Is SSS Retirement Benefit

Whether or not the term of payment has expired as of the contingency date, all unpaid short-term member loans of the deceased member shall be deducted in full from the proceeds of the benefit payments.

• A contingency date shall be used for the purpose of assessing interest and penalties.
• The overlapping of sickness, maternity, and partial disability benefits after the death date;

• The following events will result in a settled unemployment benefit:
• When the involuntarily separated employee files a case/complaint against his/her employer and the final and executory resolution thereof reveals the following:

• There was a compliance with substantive and procedural due process in the termination of employment based on any of the grounds provided under Article 297 (282) of P.D.No.442 or the Labor Code of the Philippines, as amended; or

• In that the case/complaint resulted in the reinstatement of the involuntarily separated employee along with the payment of backwages; and
• It is when the employee is rehired or reemployed within a period of time compensable, or within two months following the date of involuntary separation.

• Pensions paid after the death of a deceased retiree or permanent total disability pensioner; or overpayments or unauthorized payments to the member or his/her beneficiaries.

Read also: SSS Maternity Benefits – SSS Maternity Qualifying Period 2025

A Death benefit application may be submitted over-the-counter (OTC) at any branch office of the Social Security System (SSS).

Step 1: Check Your Eligibility

Before proceeding, verify that you meet the eligibility criteria for filing an online claim. You must be:

• A legal spouse of the deceased SSS member
• Have not remarried, cohabited, or entered into a live-in relationship before or after the member’s death

Only those meeting these conditions can proceed with the online application.

Step 2: Access or Create a My.SSS Account

To begin, you need a My.SSS account.

• If you already have an account, login.
• If you don’t have an account, register by clicking on “Not yet registered in My.SSS?” and follow the prompts

Step 3: Navigate to the Death Benefit Claim Section

Once logged in, go to the “E-Services” section

• Click on “Death Benefit Claim Application” to start the process
• This option will guide you to the online application form.

Step 4: Fill Out the Online Application Form

Carefully enter the required details:

• Personal information (your full name, contact details, marital status)
• Deceased member’s details (SS number, date of death)

Tip: Double-check all entries to prevent errors that could delay processing.

Step 5: Enroll Your Disbursement Account

For cashless benefit disbursement, you must enroll a bank account linked to SSS.

• Ensure that your bank details are correct
• Use a SSS-approved bank account to prevent delays

Step 6: Upload Required Documents

Attach scanned copies of the following supporting documents:

Required Document	Purpose
Marriage Certificate	Confirms legal spousal relationship
Death Certificate	Verifies the member’s passing
Valid ID	Ensures applicant’s identity

Note: Ensure documents are clear, legible, and within the required file size before uploading.

Step 7: Review and Submit Your Application

• Carefully review all the information entered
• Click “Submit” to finalize your claim

Once submitted, your application will be sent to SSS for processing.

Step 8: Wait for Confirmation and Processing

After submission, you will receive a confirmation email or notification on your My.SSS account.

The SSS will review your claim, and you will be updated on:

• Status of your application
• Additional documents (if required)
• Expected disbursement date

• You must submit a photocopy of your valid identification cards and documents for authentication purposes, as well as an original/certified true copy and copy of supporting documents. You must also present a photocopy of any supporting documents.

Basic Documentary Requirements

• The Death Claim Application Form or the Death Claim Application under the Portability Law
• A photo and signature card for the member or claimant, if the claimant has not yet received a UMID card
• Death certificate of deceased member duly registered with the Local Civil Registry (LCR) or issued by the Philippine Statistics Authority (PSA) if funeral benefits have not been settled.
• A certified true copy of the death certificate of the deceased
• Primary or secondary beneficiaries’ SSS Form CLD-1.3A (Affidavit of Death Benefit)
• Details of pension payments’ bank account

If member died abroad, you must submit a copy of the death certificate issued by the Vital Statistics Office/County of the host country or its equivalent, or a copy of the report of death issued by the Philippine Embassy or Consulate General.

• Enrollment of UMID as ATM or disbursement account with participating Philippine Electronic Fund Transfer System and Operations Network (PESONet) banks/disbursement channels such as:

• Passbook
• An ATM card with the name and account number of the claimant
• Validated the first deposit slip
• A duly signed Bank Certificate or Statement, issued within three (3) months prior to the filing of the claim, containing the following information:

• Claimant’s complete name
• Number of the savings account
• A bank branch
• Full bank address

• Quick Card for UBP
• An e-wallet such as PayMaya, a screenshot of the mobile app containing the user’s full name and phone number
• Mobile/account numbers, RTCs/CPOs such as MLhuillier

Notes: Please submit your marriage certificate if your ATM card is still under your maiden name.

• If the claimant does not possess a bank account or debit/credit card, the claimant should submit a written request to be exempted from the Pensioner’s Remittance Program by stating the reason for the exemption.
• For cash cards issued by banks, please check with the bank to ensure that the cards can be used for the payment of SSS benefits

• A copy of the claimant’s identification cards/documents, along with a photo, signature, and biometric data capture procedure, such as any of the following:

• UMID card
• SS ID card
• Registrar’s Certificate for Alien
• A driving license
• Registration of firearms
• Firearms ownership and possession license
• NBI Clearance
• A permit for the carrying of firearms outside the residence
• The postal identity card
• Identification and Record Book for Seafarers (Seaman’s Book)
• A voter’s ID card

• Applicants who do not have a primary ID card or document must submit an original and a photocopy of two (2) secondary ID cards/documents, both with signatures and at least one with a photograph.

Additional Documentary Requirements

• If the claim is filed by Primary Beneficiaries (the surviving spouse and children) and it is not included in the deceased member’s Personal Record (E1/E4/RS1/OW1/NW1), or where there is a discrepancy in the information provided.
• A copy of a marriage certificate of a deceased member duly registered with the LCR or issued by the PSA.

When married abroad

• Marriage Certificate with English translation provided by a foreign government or Report of Marriage provided by the Philippine Embassy or Consulate General
• A birth certificate proving that a dependent child/children are registered with the LCR or issued by the PSA

When a dependent child is born abroad

• The Philippine Embassy or Consulate General may issue a Birth Certificate or Report of Birth issued by a foreign government

When filed by Secondary Beneficiary/ies (dependent parents)

• A copy of the birth certificate of the deceased member duly registered with LCR or issued by the PSA if the parents of the deceased member are not listed on their Personal Records (E1/E4/RS1/OW1/NW1) and/or if the information is incorrect.
• Certificate of Death duly registered with the LCR or issued by the PSA, whichever is applicable:

• The spouse, if the deceased member was a widow or widower at the time of death
• Dependent children/ren
• Parent, in the event that one of the parents has already passed away
• A copy of the marriage certificate of the member’s parents duly registered with LCR or issued by PSA if the member’s death occurred before 24 May 1997
• The parent’s affidavit attesting to the parent’s dependency on the deceased member for support (prescribed form)

Note: If the deceased member died at the age of sixty-five (65) years or above, a death certificate of the parents is no longer required.

When filed by designated beneficiary/ies (any other person identified by the deceased member in his/her Member’s Record)/Legal Heirs

• The death certificate must be duly registered with LCR or issued by the PSA in regard to the following, whichever applies:

• The spouse, if the deceased member was a widow or widower at the time of death
• Having a dependent child/children
• Parents

Note: When the deceased member has reached the age of sixty-five (65) years or older, the death certificate of the parents is no longer required.

• Other designated beneficiary/ies, when filed by a designated beneficiary
• The legal heirs (in accordance with the succession law under the Civil Code of the Philippines), if filed by the legal heirs

Note: When the deceased member is not yet 65 years old, but the deceased member’s parents are at least 65 years old, there is no need for a death certificate for the grandparents.

• A copy of the deceased member’s birth certificate.
• Joint Affidavit (CLD-1.3) preferably signed by the deceased member’s relatives
• A birth certificate for at least two (2) legal heirs is required

Note:

• Translations of documents issued in foreign countries should be provided. Documents are not required to be authenticated by the Philippine Embassy or Consulate General if they have been received and signed by the Philippine Foreign Representative, Foreign Office of the SSS.
• If a claim is filed abroad, a photocopy of supporting documents may be included and submitted in lieu of the original/certified true copy, which must be duly received and signed by the SSS Foreign Representative, Foreign Office.

Additional documents if filed by an authorized representative of the claimant/s

• There are two (2) valid identification cards/documents for the claimant and representative (please refer to the standard list of identification cards/documents); and
• The letter of authority (LOA) or special power of attorney (SPA) signed by the claimant specifically indicating that the claimant is authorized to file and/or sign on behalf of that claimant.

Note: The LOA/SPA must have been executed within six (6) months if it was executed in the Philippines and one (1) year if it was executed abroad

Absent a death certificate

• An initial certificate of non-availability from the PSA/LCR or from a foreign government indicating that the death records of the office/agency concerned are intact, but there is no record of death for the deceased member; and
• The certificate of death is issued by the parish/church; OR, the certificate of burial is issued by the cemetery administrator; or, the certificate of cremation is issued by the crematory.

Absent a marriage certificate

• Certificate of non-availability from PSA/LCR or issued by foreign government indicating that marriage records of the agency concerned are intact but there is no record of the marriage for the requesting party; and
• The Marriage Certificate issued by the parish/church/ministry/congregation/sect/other religious organizations/local government units/other person authorized to administer marriages OR the Alien Certificate of Registration showing the name of the spouse.

Absent a marriage certificate:

• The certification of non-availability by the parish/church/ministry/congregation/other religious organizations; and
• The affidavit or certificate of the officiating officer stating the date and location of the marriage, the reason for non-registration, as well as the authority to administer the marriage, if applicable. OR The joint affidavit of two (2) disinterested persons who witnessed the marriage; and
• A birth certificate of at least two (2) children, wherein both documents include the names of the parents and the date and place of their marriage if they are parents, if they are married.

Absent a birth certificate

Certificate of non-availability from PSA/LCR or issued by foreign government attesting that the birth records of the office/agency concerned are intact, but no record of birth exists for the requesting party; and

A baptismal or dedication certificate or its equivalent issued by a parish, church, ministry, congregation, sect, or other religious organization (with the child’s date of birth and the name of the parents)

Absent the baptismal/dedication certificate or its equivalent:

• Certificate of non-availability from parishes/churches/ministries/congregations/sects/other religious organizations; and
• In any of the following documents, where the name of the dependent, the date of birth, and the name of the parents are indicated:

• Dependents’ school records/cards
• Record of education/insurance/health card
• Member’s employment records
• Records from PhilHealth, GSIS, and Pag-IBIG
• A member’s income tax return
• A member’s record received by SSS before May 1997

Note: The baptismal/dedication certificate or its equivalent certificate must be signed by the parish priest/head of church/ministry/congregation/sect/other religious organization or his authorized signatory. The certificate must also include the date of birth and the name of the parents.

Additional document if deceased member was married abroad or had previous marriages in the Philippines, whichever is applicable

• A certificate declaring finality of the judgment of annulment or nullity of marriage or an annotation to the marriage certificate
• The certificate of naturalization issued before marriage abroad and the decree of divorce issued after acquiring foreign citizenship, or the equivalent thereof

Additional document if spouse separated in fact/legally from deceased member (not living as husband and wife)

• Obtaining a joint affidavit from two (2) individuals, preferably closest relatives of the deceased, who know personally of the separation, stating the reason for the separation and the surviving spouse’s dependence on the deceased member as a source of support, and not stating the surviving spouse was responsible for the separation; or
• Affidavit of surviving spouse stating that surviving spouse does not have any known relatives of the deceased member, or that surviving spouse does not trust the deceased member’s relative; or
• Declaration from a court that the member-spouse should continue to support the surviving spouse, and that the surviving spouse should not be the one who caused the separation in the first place.

Additional documents for legally adopted kids and birth certificates without annotation

• Adoption Decree and Certificate of Finality of Judgment

Note: A child’s adoption should occur before his or her death

Additional documents if a child is incapacitated

• The medical certificate (with the license number, contact information, and address of the clinic/attending physician) must be issued within three (3) months from the date of filing the claim and has been confirmed by the Medical Specialist of the SSS Physical Examination Centers (PECs).

Additional document if guardianship of a dependent child

• An In-Trust Savings Account
• If a UMID card has not been issued to guardian, member’s/claimant’s photo and signature card is required
• An application for a Representative Payee and Guarantor’s Bond is required if the guardian is not the surviving legal spouse of the deceased

When a dependent child is illegitimate and not acknowledged by the deceased member in the birth certificate (or if the dependent child is not reported in the member’s personal records)

Proof of filiation, including, but not limited to:

• Will make a statement before any judicial or quasi-judicial proceeding
• Any original writing signed for the father (e.g., a letter, diary, or other document, such as school records, employment records, and other public records).
• A joint affidavit from two (2) individuals, preferably the nearest relatives of the deceased member, as proof of acknowledgement/admittance of paternity
• Member data records have been properly received from other government agencies, such as PhilHealth, Pag-IBIG, GSIS, etc.

An additional document is required if the surviving spouse abandoned the deceased member or cohabited/remarried or entered into a “live-in” relationship before or after the death of the member.

• A joint affidavit of two (2) persons, preferably those with knowledge of the matter, stating the reason for the action and the fact that the spouse is dependent upon the deceased member for support

If the claimant is filing under an existing Bilateral Social Security Agreement (SSA),

• The following information is included on the liaison form as provided for in the Administration Agreement for the Bilateral SSA:

• Details of the claim application
• Periods of insurance under other countries’ Social Security Laws

• A photocopy of two (2) valid IDs of the claimant, certified by counterpart liaison agencies as required under the Bilateral SSA, in place of a photo and signature of the claimant

Additional document if the claimant is applying for portability law

• A certificate of total contributions issued by the GSIS, including the period during which the contribution was made

Additional document if the death cause was work-related

• Death Report (BPN-105)
• As proof of work-related death, any of the following documents:

• Records of medical care provided prior to employment, if death is the result of illness
• A statement of the employee’s duties and responsibilities signed by the employer
• If applicable, a mission/join or travel order duly signed by the employer
• A photocopy of a page in the company’s logbook/an accident record signed by the employer/a printout of the electronic file
• An investigation report from the police on an employer’s report of an injury, death, or casualty spot report, if applicable

• In case company has already closed, affidavits are required from two (2) co-workers of deceased employee who have personal knowledge of the accident or injury and attest that the accident or injury caused the death of the employee
• When there are dependent illegitimate children, a joint affidavit should be signed by two (2) individuals, preferably relatives of the deceased member, stating that the deceased member and the common-law spouse do not have legal restrictions on getting married

The SSS death benefits include a monthly pension for primary beneficiaries (spouses and dependent children) as well as a funeral benefit, which is calculated based on the number of contributions made by a member, which ranges from a minimum of P20,000 to a maximum of P60,000 for members with 36 or more contributions.

The following is a more detailed breakdown:

Monthly Death Pension

• Those who receive it are the primary beneficiaries (spouses and dependent children).

Minimum pension

• It’s P1,000 for members with fewer than 10 Contribution Years (CYS).
• There is a P1,200 fee for those with at least 10 CYS.
• For members with 20 or more CYS, the fee is P2,400.

Read also: How To Avail 70k SSS Maternity Benefits

The amount of the monthly pension will be the highest of the following:

• 300 + (2% x AMSC*) + (20% x AMSC) x (CYS** – 10); or
• AMSC x 40%; or

There is a minimum pension of P1,000 for members with less than ten (10) CYS, P1,200 for members with at least ten (10) CYS, and P2,400 for members with at least twenty (20) CYS.

• AMSC (Average Monthly Salary Credit)
• CYS (Credited Years of Service)

Amount of lump sum

The primary beneficiaries of a deceased member who had paid less than 36 monthly contributions shall be entitled to a lump sum benefit equal to the greater of the following:

• Multiply the monthly pension by the number of monthly contributions paid before the semester of death; or
• A pension of twelve (12) times a monthly salary.

The secondary beneficiaries of the deceased member will be entitled to the following lump sum benefit:

• 36 times the monthly pension: if 36 monthly contributions have been made by the member before the semester of his or her death; or
• The monthly pension times the number of monthly contributions paid or twelve (12) times the monthly pension, whichever is higher – if the member had not paid more than 36 monthly contributions prior to the semester of death.

Read also: SSS Pension Calculator – How to Use the SSS Pension Calculator

The following are considered to be primary beneficiaries of the death benefit:

• Until he or she remarries, the dependent spouse
• In addition, you cannot be employed and unmarried with dependent children who are either legitimate, legitimated or legally adopted, as well as illegitimate children under 21.

Alternatively, a lump sum amount is provided to beneficiaries of the deceased member whose contributions ceased less than 36 months prior to their death. As a result, the lump sum amount shall be distributed to the member’s secondary beneficiaries, such as dependent parents, if there are no primary beneficiaries.

Read also: SSS Disability Benefit – PWD Claim SSS Disability Benefit

Read also: SSS Loan Application Form – Download – Submit Process

The loss of a loved one is an extremely difficult and emotionally demanding time for the family. The death of a family member can also bring about financial consequences in addition to emotional stress. Social Security System (SSS) death benefits are provided to eligible beneficiaries of a deceased member. Throughout this blog post, we’ll discuss five important SSS death benefits that you should know about. We will also talk about how Golden Haven can help you during this challenging time.

Funeral Benefits

SSS provides a funeral benefit of up to PHP 20,000 to assist in paying for the funeral expenses of a deceased member. This benefit is available to the person who is responsible for paying for the funeral expenses. However, it should be provided to them that they have receipts and other proof of payment. For the claim, you will need to submit the necessary documents to SSS.

You should make sure that the funeral home you use is legal and can provide you with official receipts. If you are in search of funeral homes, Golden Haven Chapels and Crematorium can assist you in making funeral arrangements. Our funeral services and packages are designed to meet the needs and preferences of different people. The compassionate and experienced staff at our funeral home will assist you with all aspects of funeral arrangements. It is our responsibility to ensure that your loved one is given a meaningful and respectful farewell. You can also contact our team if you have questions or concerns about matters related to death claims.

Death Benefits

The SSS also provides death benefits to the primary beneficiaries of the deceased members. The amount of the benefit depends on how many contributions the member makes and how much salary credit he or she receives on a monthly basis. However, it may be as high as PHP 1,000,000.

Monthly Pension

The Social Security System provides a monthly pension to primary beneficiaries who have paid at least 36 monthly contributions. As a result of the number of contributions made by the member and the average monthly salary credit, the amount of the pension will be determined. A monthly pension can be paid for a period of up to five years or for the life of the beneficiary.

Additionally, the SSS provides a dependent’s pension to the children of deceased members who are under 21 years old, unmarried, and unemployed. Additionally, dependents over 21 years old who are physically or mentally handicapped are eligible for dependents’ pensions.

A dependent’s pension provides much-needed financial support to children of deceased members, especially if they are still in school or have special needs. It is important to note that dependents are only eligible for dependent pensions if they meet the SSS’s eligibility requirements.

Golden Haven provides support to families in the process of applying for and receiving these death benefits. Families can rely on our experienced team to guide them through the necessary paperwork and requirements, ensuring that the process is as smooth and stress-free as possible during this difficult time.

Lump Sum Amount

If there are no primary beneficiaries, or if the primary beneficiaries are not eligible, a lump sum will be paid to the secondary beneficiaries of the deceased member. Depending on how many contributions the member has made, the lump sum benefit amount will vary.

When the primary beneficiary of SSS (spouse or dependent children) passes away, the death benefit, which is a monthly pension or lump sum, will be paid to the secondary beneficiary (dependent parent), or, if no secondary beneficiary is identified, to any designated beneficiary or legal heir.

While applying for the SSS Death Benefit is relatively straightforward, there are some common issues that beneficiaries may face. Below are some frequently encountered challenges and their solutions:

Insufficient Contributions

In some cases, the deceased may not have contributed enough to qualify for the Death Pension. However, if the deceased had made at least 36 contributions, they will likely be eligible for the Funeral Benefit. It’s crucial to check the deceased’s SSS contribution history before filing a claim.

Missing Documents

One of the most common reasons claims are delayed is the lack of proper documentation. Always ensure that you have all the required documents, such as the Death Certificate, proof of SSS membership, and birth/marriage certificates.

Discrepancies in the SSS Database

Occasionally, the information in the SSS database may not be updated, leading to issues in verifying the deceased’s membership. In such cases, beneficiaries should contact the SSS help desk for assistance in updating the records.

Delays in Payment

Once the claim is approved, payments for Death Pension may be delayed due to administrative processes. Beneficiaries should regularly check the status of their claim with SSS and ensure that all information is accurate and up to date.

How much is the SSS death benefit?

Ans: There is a minimum death benefit of P20,000 and a maximum death benefit of P60,000 for SSS death benefits. Primary beneficiaries (spouses and dependent children) receive a monthly death pension, as well as a funeral benefit of up to P60,000.

Who is qualified for a SSS death claim?

Ans: The dependent spouse, while remarried, as well as the dependent legitimate, legally adopted, or legitimately legitimated children and illegitimate children of the member who are unmarried, not gainfully employed and have not yet reached the age of 21, as well as those over 21, who are incapacitated and unable to sustain themselves.

Who is covered under SSS burial and death benefits?

Ans: In accordance with these Guidelines, all funeral benefit claimants (surviving legal spouses, children/ren, parents or any other natural person) who paid for the funeral expenses following the death of a qualified member, permanent total disability pensioner, or retirement pensioner, will be covered.

The SSS Death Benefit ensures financial support for the beneficiaries of a deceased member, covering unpaid loans, pensions, and funeral expenses. The application process requires proper documentation, eligibility verification, and a My.SSS account for seamless submission. Whether through monthly pensions or lump-sum payments, SSS provides essential financial security. Understanding the requirements and filing correctly ensures a smooth claim process for rightful beneficiaries.