If you’ve recently lost a loved one who was a member of the Philippine Social Security System (SSS), you may be entitled to claim a funeral benefit ranging from ₱20,000 to ₱60,000.
This guide provides the latest information for 2025, including eligibility criteria, required documents, application steps, and payout timelines.
What Is the SSS Funeral Benefit?
The SSS Funeral Benefit is a one-time cash assistance provided to individuals who have shouldered the funeral expenses of a deceased SSS member, pensioner, or retiree. The amount varies based on the member’s Monthly Salary Credit (MSC) and total number of contributions.
Benefit Amounts (Effective 2025)
| Contribution History | Benefit Amount |
|---|---|
| 36 or more contributions | ₱20,000 – ₱60,000 |
| 1 to 35 contributions | ₱12,000 |
Note: The benefit amount is determined by the member’s average MSC and contribution history.
Who Can Claim the Benefit?
The funeral benefit is payable to the person who actually paid for the funeral expenses, regardless of their relationship to the deceased. Eligible claimants include:
- Surviving legal spouse
- Children (legitimate, illegitimate, or legally adopted)
- Parents (if no spouse or children)
- Other individuals who can provide proof of payment for the funeral expenses
Important: The claimant must present official receipts or other valid proof of payment.
Eligibility Criteria
To qualify for the funeral benefit:
- The deceased must have been an SSS member, retiree, or permanently totally disabled pensioner.
- The claimant must have paid for the funeral expenses.
- The claim must be filed within 10 years from the date of death.
Required Documents
| Document | Details |
|---|---|
| SSS Funeral Claim Application (BPN-103) | Available online via My.SSS portal or at SSS branches |
| Certified True Copy of Death Certificate | Issued by the Philippine Statistics Authority (PSA) or Local Civil Registry |
| Official Receipt of Funeral Expenses | Must be under the claimant’s name |
| Valid IDs of Claimant | At least two, with one bearing a photo |
| Proof of Relationship | Birth or marriage certificates, if applicable |
| SSS ID/UMID of Deceased (if available) | Not mandatory but can expedite processing |
| Bank Account Enrollment Form | For PESONet deposit; joint accounts are not allowed |
How to File a Claim
Online Application via My.SSS Portal
- Log in to your My.SSS account at www.sss.gov.ph.
- Navigate to E-Services > Funeral Claim Application.
- Fill out the required information and upload scanned copies of the necessary documents.
- Submit the application and wait for confirmation via email or SMS.
Over-the-Counter Application
- Visit the nearest SSS branch.
- Submit the completed BPN-103 form along with the required documents.
- Await notification regarding the status of your claim.
Note: Processing time typically ranges from 10 to 30 working days, depending on the completeness of the submitted documents.
Payment Schedule
SSS disburses funeral benefits through PESONet-participating banks, e-wallets, or UMID ATM cards. Ensure that your disbursement account is enrolled in the Disbursement Account Enrollment Module (DAEM) on the SSS website to facilitate smooth transactions.
Tax Implications
The funeral benefit is not subject to income tax, estate tax, or any other withholding taxes. It is a direct financial assistance provided by SSS to the claimant.
The SSS Funeral Benefit offers crucial financial support during a challenging time. By understanding the eligibility requirements and ensuring the timely submission of complete documents, claimants can access benefits ranging from ₱20,000 to ₱60,000. For more information or to begin your application, visit the official SSS website.
FAQs
Can I claim the funeral benefit if I am not a relative of the deceased?
Yes. The funeral benefit is payable to the individual who actually paid for the funeral expenses, regardless of their relationship to the deceased. However, you must provide valid proof of payment, such as official receipts.
Is there a deadline for filing the funeral benefit claim?
Yes. Claims must be filed within 10 years from the date of the member’s death. Late submissions beyond this period may result in forfeiture of the benefit.
How will I receive the funeral benefit payment?
Payments are disbursed through PESONet-participating banks, e-wallets, or UMID ATM cards. Ensure that your disbursement account is enrolled in the DAEM on the SSS website to receive the funds.