Philippine Social Security System Funeral Claim Procedures
The Philippine Social Security System
In 1957 the Philippine government created 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, there are so-called "calamity loans" which can be availed by members affected by natural disasters like flooding, earthquakes, and the like. Salary loans may also be filed and approved, depending on the monthly salary of the employee who is a member of SSS.
Filing for Death and Funeral Claims
Death claims may be filed by the primary or secondary beneficiary of the deceased employee-member. There are only four types of individuals authorized to receive claims from the deceased member: Living parents if the deceased is single, all of his/her living siblings, their legal spouse, beneficiary children of legal age, and guardians of children below 21 years old.
It is important to understand that 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 member duly registered with Local Civil Registry Office.
- Official receipt/contract (if not yet buried) issued by the funeral parlor or certificate of ownership for prepaid memorial plan.
- Filer's Affidavit (Sinumpaang Salaysay), to be accomplished 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 of the filer (Cedula).
- Any valid I.D. of the filer and 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 mention documents, proceed to the nearest SSS branch in your area. SSS personnel will give you claim stub for the check. Wait for a few weeks to months before the release of the check, you may do phone call to follow up on your claim so make sure you have their phone number. This way you don't have to wake up early and fall in line just to follow-up. They will text you if your check is ready for pick up.
If you receive the text, bring valid ID, and death certificate of the member, and the claim stub that SSS has given you when you submitted the documents for your claims.
It is best if you put the filer's name to the receipt from the funeral parlor. Document stated in number four will not be necessary. Less hassle, less documents needed, faster claim. It is also better if you file the claim before the internment. If funeral parlor service charge is less than Php20,000 you must keep all receipts of the burial expenses for food that was serve on the wake.