How to File a Funeral Claim With the SSS
The Philippine Social Security System
In 1957 the Philippine government created the SSS, an agency to provide retirement and health benefits for all members. The SSS is a social insurance program for private sector wage earners in the Philippines. Retirement, sickness, maternity, partial disability, pension, and death are some of the many benefits available to SSS members.
In addition, members can get so-called "calamity loans" if they are affected by natural disasters like flooding, earthquakes, and the like. Members can request salary loans, depending on the monthly salary of the employee who is a member of SSS.
Filing Death Claims
Death claims are different from funeral claims. Death claims may be filed by the primary or secondary beneficiary of the deceased employee-member.
Only certain individuals are authorized to receive death claims from a deceased member:
- Living parents (if the deceased is single)
- Living siblings
- The legal spouse
- Beneficiary children of legal age
- Guardians of children under 21 years old
Filing Funeral Claims
Again, funeral claims are different from death claims. Funeral claims are given to the person who shouldered the funeral expenses regardless of his/her relationship to the SSS member. As of this moment, funeral claims amount to Php20,000. each. The documents you need to file this claim are as follows:
- Death Certificate of a member duly registered with Local Civil Registry Office.
- Official receipt (or contract, if not yet buried) issued by the funeral parlor, or certificate of ownership for a prepaid memorial plan.
- Filer's Affidavit (Sinumpaang Salaysay), to be filled out by the person actually filing the claim.
- Waiver, if the claimant is not the one named in the official receipt. Include authentic identification (with signature) of the one waiving the benefit.
- New Residence Certificate (Cedula) of the filer.
- Any valid I.D. of the filer (see below)
- SSS Digitized ID of deceased member.
List of accepted ID's
- Company ID
- Philippine Passport
- GSIS card
- ID card issued by professional associations recognized by PRC
- Marriage contract
- NBI clearance
- Police clearance
- Postal ID card
- School ID
- Senior Citizen Card
- Tax Identification Card/Affidavit
- Voter’s Identification Card/Affidavit
Completing the Claim
Upon completion of the above-mentioned documents, proceed to the nearest SSS branch in your area. SSS personnel will give you claim stub for the check. You may have to wait a few weeks to months before the release of the check. Get their phone number in case you want to make a phone call to follow up on an unpaid claim; this is easier than having to wake up early and fall in line just to follow-up.
They will text you when your check is ready for pick up. If you receive the text, bring a valid ID, the death certificate of the member, and the claim stub that SSS gave you when you submitted the documents for your claims.
It is best if you put the filer's name on the receipt from the funeral parlor; that way, the waiver listed in item 4 will not be necessary. Less hassle, fewer documents needed, faster claim. It is also better if you file the claim before the internment. If the funeral parlor service charge is less than Php20,000, you must keep all receipts of the burial expenses for food that was served at the wake.
Do you think being an SSS member is a big help?
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
Questions & Answers
In the Phillippines, once a death claim is filled how will it take for reimbursement to come?
Mine took 3-4 weeks.Helpful 33
What's next after I received the funeral cheque from a funeral claim in the Phillippines?
Proceed to the issuing bank(specific branvh stated in the check, bring 2 valid ids, and ung karugtong ng claim stub from sss.Helpful 27
How would I proceed when the death member is single, declared beneficiary was her grand daughter for the social security system claim system in the Phillippines?
If there is a legal document that can prove the claim na ung grand daughter ang beneficiary like a last will, pwede sya mag claim pero kung wala. Automatic parents, at mga kapatid ang beneficiaryHelpful 13
In the Phillippines, what can you do if the deceased sss member doesn't have the SSS digitized ID?
Any other issued government ID will help.Helpful 12
In the Phillippines how can I check if the funeral claim loan is ready to pick up?
Call the sss branch where you filed the claim.Helpful 10