Dealing with the death of a loved one is never easy, especially when faced with the mounting costs of funeral services. In the Philippines, the Social Security System (SSS) aims to ease this burden through its Funeral Benefit—a one-time cash assistance provided to the person who shoulders the funeral expenses of a deceased SSS member, retiree, or disability pensioner. With inflation and funeral costs on the rise, this financial aid plays a vital role in helping grieving families manage essential expenses during a difficult time.
In a major update effective October 2023, the SSS has increased the maximum benefit amount to PHP 60,000, ensuring wider support based on the deceased’s contribution record. This amount varies depending on how long the deceased contributed to the SSS and their average monthly salary credit. Those with fewer than 36 contributions are still entitled to a fixed amount of PHP 12,000. This adjustment is part of SSS’s ongoing effort to improve member welfare and provide responsive financial assistance.
The application process has also evolved, making it more convenient, especially for SSS-registered members. Claimants can now apply online through the My.SSS portal, while non-SSS members must proceed to any branch in person. Let’s break down eligibility, documentation, and how to claim this essential benefit.
New Rules for SSS Funeral Benefit
The SSS Funeral Benefit is extended to individuals who have paid the funeral expenses of a deceased member, whether the individual was actively contributing, retired, or receiving disability pension at the time of death. The cash benefit ranges as follows:
- PHP 20,000 to PHP 60,000 for those with at least 36 monthly contributions.
- PHP 12,000 fixed amount for those with 1 to 35 contributions.
The final amount is calculated based on the total number of contributions and the average monthly salary credit of the deceased.
Who Can Claim the Benefit?
Only the person who directly paid the funeral expenses is eligible to claim the benefit. This can include:
- The legal spouse,
- Children or parents of the deceased,
- Or any other individual who actually covered the funeral costs.
To qualify, the deceased must have been a recognized SSS member, retiree, or a total permanent disability pensioner. Proof of payment must be presented during the application process.
Where and How to Apply
SSS Members who wish to claim the benefit may file online using the My.SSS portal. The steps include:
- Logging in to your My.SSS account.
- Navigating to the “Benefits” section and selecting “Funeral Claim.”
- Providing all necessary details, uploading required documents, and submitting the application.
Non-SSS members must apply at a physical SSS branch with original or certified true copies of the required documents. Claims must be filed within 10 years from the death month. If death occurred abroad, translated documents may be required.
Documents Required for Funeral Benefit
Applicants must submit:
- Proof of SSS Membership (e.g., UMID, E-1, RS-1, or employer records),
- Death Certificate (PSA, LCR, church-issued, or cremation certificate),
- Proof of Funeral Expenses (e.g., official receipt, funeral home certificate),
- Additional Documents, depending on the relationship (e.g., marriage certificate, CENOMAR, affidavits).
What Does the Benefit Cover?
The funeral benefit helps reimburse essential costs such as:
- Embalming and body transport,
- Religious rites and funeral services,
- Coffin purchase or rental,
- Cremation or burial expenses,
- Memorial plans or insurance (if pre-paid).
How Will the Benefit Be Paid?
For claimants with a UMID card linked to an ATM, the amount is directly credited. Others will receive the benefit through a registered bank account under the Disbursement Account Enrollment Module (DAEM). Ensuring all documents and information are accurate helps expedite the payment.