PAG-IBIG does not provide modest housing alone, it also gives death benefits to beneficiaries of deceased members. There are two kinds of death benefits, the Provident Death Benefits and the Death Benefit itself. The Provident Death Benefit is equal to the Savings or Contributions from Employee and Employer plus Dividends while the Death Benefit is equivalent to 6,000 pesos (but if the Total Provident Benefit is lower than 6,000 pesos, the Death Benefit is the same amount as the Total Provident Benefit).
Beneficiaries file only one set of claim — the Application for Provident Benefits Claim form. The primary legal heirs or beneficiaries include the wife or husband, children (may be legitimate, illegitimate or legally adopted and parents of members. Secondary heirs or beneficiaries include grandparents of member, brothers and sisters, nephews and nieces or other nearest relatives. The intestate succession under the New Family Code will be followed for sharing of benefits.
The list of documents required to file a death benefit claim are:
- Application for Provident Benefits (APB) Claim (Pag-ibig form)
- Death Certificate of Pag-ibig member, issued by NSO
- Notarized Proof of Surviving Legal Heirs (Pag-ibig form)
- Notarized Affidavit of Guardianship
(if children are 18 years old and younger, or physically/mentally handicapped children)
- Birth certificates of all children for those who have children; birth certificate of the member if the claimants are the parent or the member has no children; birth certificate of the siblings if the member has no children and the parents died already (issued by NSO)
- Marriage certificate, issued by NSO/PSA if member is married or Certificate of No Marriage (CENOMAR), issued by NSO/PSA, if member is single
- Two valid ID cards of claimant. This may include SSS, TIN, Passport, Postal, Office, NBI IDs, Driver’s License, Company, or preferably other government issued IDs for faster claims.
File the Provident benefit claim at the Pag-ibig Fund branch where the Pag-ibig member or employer has remitted the most or latest contributions. If the member had multiple employers, check if the member’s contributions are already consolidated in the branch where you are filing, if not consolidate everything and trace employment history of the member and seek the request of the officer-in-charge like the HR personnel for the PAG-IBIG contributions records of the deceased member. If the legal heirs or beneficiaries are unable to file the Pag-ibig Fund Death Benefit themselves, the claim can be filed by their authorized representative, their appointed court administrator or executor. Any authorized representative is required to present a Special Power of Attorney (SPA) (Use Pag-ibig Fund SPA Form FCP014), his or her valid IDs, and the valid IDs of the member and beneficiaries.
After filing, you will receive a Claims Acknowledgment Receipt (CAR). Date of release will be written on the CAR. Pag-ibig may call you during evaluation of documents, if more documents are needed. When the check is ready, you can claim it by presenting the Claims Acknowledgement Receipt (CAR) and present 2 valid IDs.
Remember that if the member was able to claim his/her PAG-IBIG Provident Death Benefit, you cannot claim the death benefit anymore as heirs or beneficiaries for the member is deemed to be not a member of PAG-IBIG anymore upon claiming of the Provident Death Benefit.