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Death Benefit

OVERVIEW
QUALIFYING CONDITIONS
HOW TO APPLY
PENSION DETAILS
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.


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.
Application Requirements
Death Claim Application (SSS Form DDR-1);
Affidavit of Death Benefit, if claimant is secondary beneficary (SSS Form CLD-

A.
1.
2.
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.

Claim for Death Benefit

What this is For:

Claim for Death Benefit

Where to File:

nearest SSS branch

How to File:

The beneficiaries of a deceased member may claim for the death benefit by
filling out the Consolidated Death, Disability and Retirement Claim Form (DDR-1) in
one copy using black ink. The beneficiaries must also submit one copy of the Filer's
Affidavit (Sinumpaang Salaysay).

These forms must be submitted in person to the nearest SSS branch. See
page 2 of Form DDR-1 for the supporting documents you will need to submit with
your application. Claimant must also accomplish SSS Form CLD - 1.3A (Affidavit for
Death Claim) if he is

Other Documentary Requirements:

What is the death benefit

The death benefit is cash paid to the beneficiaries of a deceased member.

Who are the beneficiaries of a deceased member

The primary beneficiaries are the legitimate dependent spouse until he or she
remarries and legitimate, legitimated, legally adopted or illegitimate dependent

children of the member. In the absence of primary beneficiaries, the secondary


beneficiaries are the dependent parents of the member. In their absence, the
person designated by the member as beneficiary in his member's record will be the
recipient.

What are the types of death benefits

They are:

1. the monthly pension; and

2. the lump sum amount.

The monthly pension is granted only to the primary beneficiaries of a


deceased member who had paid 36 monthly contributions before the semester of
death.

The lump sum is the amount granted to the primary beneficiaries of a


deceased member who had paid less than 36 monthly contributions before the
semester of death.

How much is the monthly pension

The monthly pension depends on the member's paid contributions, including


the credited years of service (CYS).

The primary beneficiaries of a deceased member who had paid at least 36


monthly contributions prior to the semester of death shall be entitled to a minimum
monthly pension of P1,000 if the member had less than 10 CYS, P1,200 if with at
least 10 CYS, and P2,400 if with at least 20 CYS.

If the death pensioner is survived by legitimate, legitimated, legally adopted


and illegitimate children, how will the pension be divided

If the deceased pensioner is survived by less than five minor legitimate,


legitimated, or legally adopted children, the illegitimate minor children will be
entitled to 50 per cent of the share of the legitimate, legitimated or legally adopted
children in the basic pension and 100 per cent of the dependents' pension.

In cases where there are no legitimate, legitimated or legally adopted


children, the illegitimate minor children shall be entitled to 100 per cent of the
share of the former in the basic pension.

How is the monthly pension paid

The monthly pension is paid through the member's designated bank.

The beneficiary of a death claim who becomes a pensioner starting Sept. 1,


1993 is allowed to choose the bank nearest his residence through which he wishes
to receive his pension benefits under the "Mag-Impok sa Bangko" Program.

The beneficiary of a death claim who has a single savings account that he
wants SSS to use for payment of his pension should submit his savings account
number and a photocopy of the passbook's first and second pages to the SSS upon
filing of application for death claim. He should also show the original passbook
during the filing of his application for authentication.

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

How much is the lump sum death benefit

If the deceased member's contribution is less than 36 months prior to the


semester of contingency, the primary beneficiaries will be entitled to a lump sum
equivalent to the monthly pension times the number of monthly contributions paid
prior to the semester of death or 12 times the monthly pension, whichever is
higher.


In the absence of the primary beneficiaries, the secondary beneficiaries will
receive a lump sum equivalent to 36 times the monthly pension, if the member had
paid at least 36 monthly contributions prior to the semester of death.

If the deceased member had paid less than 36 monthly contributions, the
secondary beneficiaries shall be entitled to the higher of:

1. monthly pension times the number of monthly contributions paid prior to


the semester of death; or

2. 12 times the monthly pension.

Is there anything else a deceased member's beneficiaries can avail of

Yes, the deceased member's beneficiaries are entitled to a 13th month


pension payable every December and the funeral grant benefit.

They are also entitled to Medicare benefits under the administration of the
Philippine Health Insurance Corporation (PhilHealth).