Adulting Finance

The Ultimate Guide on How to Claim SSS Death Benefit

The death of a loved one is a difficult time, but it is important to remember that you may be entitled to SSS death benefits. In times like these, when the heart aches with the weight of loss, it is important to find solace and support in the memories we hold dear.

We understand that the path ahead may seem overwhelming, but we hope to alleviate some of your burdens by providing valuable insights, practical tips, and heartfelt advice garnered from those who have walked this path before. It may help to ease the financial burden of your loved one’s death and provide you with some much-needed financial security.

What is SSS Death Benefit?

The SSS Death Benefit is a monetary benefit that is given to the surviving beneficiaries of a deceased SSS member. It serves as a form of financial assistance to help the family cope with the loss and the accompanying expenses. The benefit amount is based on the member’s number of paid contributions and the average monthly salary credit.

Lump Sum or Monthly Pension: If the deceased member has contributed at least 36 monthly contributions and met the necessary qualifications, the primary beneficiaries may opt to receive a lump sum or a monthly pension. Discuss this option with the SSS personnel during the claiming process.

What are the eligibility criteria for SSS Death Benefit?

To be eligible for the SSS Death Benefit, the deceased member must have made at least 36 monthly contributions before the semester of their death. Additionally, the benefit is available to the following beneficiaries:

  1. Primary beneficiaries
    • Spouse (legitimate or legally separated) until remarriage
    • Dependent children, including legitimate, legitimated, or legally adopted children
    • Illegitimate children who are not yet 21 years old
  2. Secondary beneficiaries
    • Dependent parents who are 60 years old or older
    • Dependent legitimate, legitimated, or legally adopted children who are not yet 21 years old

What are the required documents for SSS Death Benefit?

  1. For the deceased member
    • Death certificate issued by the Philippine Statistics Authority (PSA) or a Certified True Copy from the Local Civil Registrar (LCR)
    • Accomplished SSS Form DDR-1 (Social Security System Death Benefit Claim Application)
    • A certified true copy of the burial permit or funeral bill
  2. For the primary beneficiary
    • Valid IDs
  3. For dependent children
    • Birth certificate issued by the PSA or LCR
  4. For secondary beneficiaries
    • Valid IDs
Type of SSS Death Benefit
  1. Lump sum: This is a one-time payment given to the primary beneficiaries of a deceased SSS member.  If the deceased member has paid less than 36 monthly contributions. The primary beneficiaries include the dependent spouse until he or she remarries, and the dependent legitimate, legitimated, or legally adopted, and illegitimate children.
  2. Monthly pension: If the deceased SSS member has no primary beneficiaries or the primary beneficiaries are not eligible for the lump sum death benefit, a monthly pension may be provided. If the deceased member has paid at least 36 monthly contributions.

How to Claim SSS Death Benefit

1. Check the eligibility of the deceased and gather the required documents.

2. Go to the SSS website and select Member.

3. Log in to your SSS account.

4. Enter your Username and Password and select Sign In.

4. In the SSS account dashboard, hover over Benefits and select Apply for Funeral Benefit tab.

5. Enter the information of the deceased: CRN/ SSS Number, Surname, Given Name, Date of Birth, Date of Death, and select Proceed.

6. Upload the required documents.

7. Answer verification questions.

8. You will get a transaction number after submitting your application.

9. Check your email for confirmation of the funeral benefit claim.

10. If your claim is approved, you will receive the funeral benefit in the bank account that you have enrolled in the Bank Enrollment Module.

For any concerns or inquiries regarding your Social Security System (SSS) matters, you can easily reach out for assistance. You can send an email to [email protected] or you can check our guide for alternative ways to contact SSS.
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