Helena is a 65-year-old mother who passed away at dawn in her sleep. She was hypertensive and under medication for a couple of years. As an average Filipino, her family could use some financial help to give a decent funeral service for Helena. As a retired public teacher, her family is entitled to receive funeral benefits given by the Philippine government.
Selecting funeral homes can be very tricky especially when the budget is tight. Check out the different funeral homes in your area to have an idea of how much it will cost you to have a nice service for your loved one.
When you are working whether a government institute or private company, it is mandatory that your employer will pay a premium to SSS, PhilHealth, and PAG-IBIG (HDMF). For the government employees, instead of SSS, they have GSIS. If you are overseas, you might want to check out the benefits that OWWA offers. The Philippine government is also helping the elders through its Senior Citizen programs.
Anyone is entitled to have the senior citizen benefits when they reach 60 years old. One must visit the nearest DSWD or DILG office in their town or city to inquire and have themselves registered. You will then be given a senior citizen identification card which you can use to claim discounts such as paying for your fare, groceries, medicine, restaurant bill, health service, etc. Senior citizens are entitled to have a 20% discount.
The family or the person who took care of the deceased senior citizen can claim the benefits and shall present the death certificate. It can help with the expenses to get a casket or urn, embalming, cremation cost, and other services such as wake or viewing cost, and transport. However, obituary publication and a memorial lot aren’t included.
Visit your nearest DSWD or DILG office. Bring the deceased senior citizen identification card and death certificate. You must be the beneficiary or the one who took care of the deceased. You will then be required to fill out a form to claim the benefits.
Social Security System (or SSS) is a government-run security system for private, professional, and informal sectors. Aside from the pension that you will get after retirement, as a contributor you also can loan to help you after being hit by a calamity or file a ‘salary’ loan when you need any assistance for your children’s education for example.
When a family member passed away and was an SSS member, the beneficiary can claim for burial benefits using the Form BPN-103. You may file at any SSS branch or representative office.
Fill in the necessary form, Form BPN-103, and the Filer’s Affidavit. Don’t forget to bring the death certificate that is duly certified by the Local Registrar’s office, funeral parlor’s receipt, funeral expenses affidavit, and filer’s valid IDs (recommended to bring at least 2 or 3 government issued IDs). You may be required to present other documents when deemed necessary.
The Home Development Mutual Fund (HDMF) or commonly called PAG-IBIG Fund is a government-owned and a corporation under Housing and Urban Development Coordinating Council. The agency is responsible for national savings and affordable housing in the Philippines.
After accumulating 240 contributions or after the maturity of the Provident Savings, the beneficiary can claim the death benefits of the deceased. You may claim such benefit only when the deceased had not claimed the Provident Savings when he was still alive. Otherwise, you can no longer claim such savings since the deceased had already taken it from PAG-IBIG. You may refer here for more information.
If Member is married, NSO Certified True Copy of Member’s Marriage Contract and Advisory on Marriage.
The Government Social Insurance Service or GSIS is a government controlled agency that provides social benefits to government or public employees. GSIS offers benefits to their members such as life insurance benefits, separation or retirement benefits, and disability benefits.
GSIS provides Php 30,000 funeral benefit to the beneficiary. The spouse, whether separated but still entitled to the future benefits, can claim the said cash grant. Legal offspring who shouldered the funeral expenses or anyone who paid for the funeral services. One must be able to present the receipt of expenses.
The claimant(s) will bring all the necessary documents to GSIS. Here are the documents needed:
If the claimant is the legal spouse:
Claimant’s birth certificate is not required if the claimant is either a GSIS member or pensioner.
If the claimant is other than the legal spouse (application will be accepted only if the legal spouse is already deceased. In this case, priority is given to legitimate children)
The Overseas Workers Welfare Administration or OWWA is a government agency under the Department of Labor and Employment (DOLE). The agency has been helping overseas workers and their families with social benefits, cultural services, employment, remittances, and other legal matters.
To be a member, go to the nearest OWWA office before departing the country. You will be asked to pay $25 and be entitled to the following benefits such as disability and dismemberment benefits, and death benefits.
The family of the deceased overseas foreign worker (OFW) is entitled to get Php 100,000 if the cause of death is natural, and Php 200,000 is given if it’s an accident. An additional of Php 20,000 will be given for the expenses of the funeral services.
The direct family member shall claim the benefits at their nearest OWWA office and bring the following documents:
When there’s no birth or marriage certificate, you may present the following documents:
It is the lowest time of the family when someone passed away. Funeral services are not cheap so it is best to know what are the funeral benefits given by the government to lessen the burden. You can at least five days off or longer when allowed in your company to grieve.
In the case of Helena, her family can claim the social benefits at GSIS, and PAG-IBIG if she had not claimed here Provident Savings yet. Her family can also claim the Survivor’s Pension at GSIS. You may read more about Survivor’s Benefit here.