It’s possible that you’re reading this because someone in your family has passed away. I understand that it’s a difficult and emotionally taxing time for you. In addition, there are several tasks that you need to handle, such as paying hospital bills, obtaining a death certificate, arranging for funeral services, obtaining permits for burial if necessary, preparing the burial site, managing the estate, and claiming death benefits from your loved one’s employer, SSS, and Pag-IBIG. Given the numerous responsibilities you have, it’s essential to have guidance or assistance. Therefore, I’ll be sharing my personal experience of claiming a Pag-IBIG death benefit with you.
Looking for Relevant Documents In our household, we don’t store our records in a single location, so when a situation arose, we had to search throughout the house to find the necessary documents. This experience taught us the value of being organized. As a result, we purchased multiple portfolio folders to help us organize our documents and make things easier for our family if a similar situation occurs in the future.
Being Prepared in Advance Unfortunately, our family is only entitled to claim from Pag-IBIG and SSS, and the amount of money we receive is relatively small. Despite this, we have to move forward. In my case, I’ve taken on most of the responsibilities that my father left behind. This wasn’t something I wanted to do, but I had no choice. From this experience, I learned that dividing money into three categories – past, present, and future – is critical.
The past category involves paying off debts and other financial obligations. The present category is for daily needs and wants. Finally, the future category is focused on saving, investing, and obtaining life insurance coverage to help our family deal with financial hardships that may arise when the breadwinner is no longer around.
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How to Claim Pag-IBIG Death Benefit
When I resumed work, I processed my father’s Pag-IBIG death benefit. Since I couldn’t afford to miss work, I searched for the nearest Pag-IBIG branch to my workplace, which happened to be on Shaw Boulevard in Kapitolyo, Pasig City. I went there during my lunch break and managed to obtain the cheque after three visits.
1. Go to the nearest Pag-IBIG Branch
To begin with, locate the most suitable Pag-IBIG branch within your vicinity. During your initial visit, you will typically ask about the member’s total accumulated value (TAV), the process, and the necessary requirements. It is essential to have a document containing the member’s Pag-IBIG ID number to facilitate verification. However, if you do not have this document, they can still find the information using the member’s name.
You may then inquire about the requirements needed to claim the benefit. Keep in mind that the necessary requirements will vary depending on the member’s marital status, whether they have children or not, etc.
Here are the requirements for filing a Pag-IBIG death benefit.
- Application for Provident Benefits (APB) Claim Form
- Death Certificate of the Member issued by PSA or by Local Civil Registry Office (LCRO)
- Notarized Proof of Surviving Legal Heirs
- Certificate of No Marriage (CENOMAR) issued by PSA (if the deceased is single)
- Marriage Contract and Advisory on Marriage issued by PSA (If the deceased member is married)
- Birth Certificate issued by PSA or Baptismal/Confirmation Certificate of all children (If with child/children)
- Notarized Affidavit of Guardianship
- Birth Certificate issued by PSA or Baptismal/Confirmation Certificate of deceased member/claimant
- Notarized Non-availability of Birth Record issued by PSA and Joint Affidavit of Two Disinterested Persons
2. Submit the required documents
In my experience, it is quite simple to make a claim from Pag-IBIG because they allow the use of baptismal certificates in lieu of a PSA copy. Additionally, they also accept death certificates issued by the city hall, which is beneficial since obtaining a PSA copy of a death certificate can take several months. Unlike SSS, which requires a PSA copy of the death certificate, Pag-IBIG allows submission of a death certificate from the LCRO, which is a big advantage.
You can submit all the necessary documents during your second visit to Pag-IBIG. Usually, you can inquire about the availability of your cheque at this time and don’t forget to ask for a contact number.
3. Collect and encash the cheque
Pag-IBIG can finalize your request within 48 hours. You can then pick up your payment on your third visit. If there are multiple individuals making a claim, the funds will be distributed evenly among them. In my personal situation, the money was divided among my siblings. However, it can be inconvenient to cash individual cheques separately. As we did, you can request a waiver to be signed by the other claimants to avoid everyone having to go to the bank.
Claiming a Pag-IBIG death benefit is that simple. Remember to use the funds for your past, present, and future. Best of luck!
In conclusion, the Pag-IBIG Death Benefit is an essential financial support provided by the Philippine government to its citizens. Claiming this benefit can be a crucial step in helping families deal with the financial impact of losing a loved one. By following the proper steps and taking advantage of the available resources, individuals can easily claim their Pag-IBIG Death Benefit and use the funds to support their past, present, and future financial needs. Remember to use the funds wisely and make the most of this financial support during difficult times.