Nemo
In times of grief, financial assistance can ease the burden on families. The Philippines offers funeral benefits ranging from ₱20,000 to ₱60,000, provided through the SSS, GSIS, and private insurers.
This complete guide outlines the eligibility criteria, claim process, documents needed, and payment timelines for each scheme.
SSS Funeral Benefit Scheme (₱20,000 Fixed)
Amount:
- ₱20,000 fixed benefit per approved claim.
Eligibility:
- Deceased must be a paying SSS member with at least one contribution.
- Claimant must be the person who paid the funeral expenses (spouse, child, or other relative).
- Must provide a death certificate, funeral receipts, and SSS ID/number.
Claim Process:
- Download and complete the SSS Funeral Benefit Claim Form.
- Submit form + required documents in-person or online via the My.SSS portal.
- Wait for processing and bank disbursement.
Payment Timeline:
- Processed in 15–30 days.
GSIS Funeral Benefit Scheme (₱30,000–₱60,000 Variable)
Amount:
- Between ₱30,000 and ₱60,000, based on the pensioner’s status and years of service.
Eligibility:
- Deceased must be an active or retired GSIS member.
- Claimant must show proof of payment for funeral services.
- Must present a death certificate, GSIS ID number, and proof of identity.
Claim Process:
- Obtain the GSIS Funeral Claim Form from any GSIS office or online.
- Submit completed form + documents to nearest GSIS office or online portal.
- Once approved, receive payment via bank or GSIS eCard.
Payment Timeline:
- Processed within 15–20 days.
Private Insurance Funeral Benefits (₱20,000–₱60,000+)
Amount:
- Varies by provider; typically ₱20,000 to ₱60,000+.
- May include services like embalming and transport.
Eligibility:
- Deceased must have had an active funeral policy.
- Claimant is typically the named beneficiary in the policy.
Claim Process:
- Notify the insurance provider immediately.
- Fill and submit claim form with all supporting documents.
- Await claim approval and payment.
Payment Timeline:
- Usually 7–14 days, depending on the insurer.
Funeral Benefits at a Glance
| Source | Amount | Eligibility | Processing Time |
|---|---|---|---|
| SSS | ₱20,000 (fixed) | At least 1 contribution; claimant paid funeral expenses | 15–30 days |
| GSIS | ₱30,000–₱60,000 | Active/retired member; verified documents | 15–20 days |
| Private Insurance | ₱20,000–₱60,000+ | Active policy; listed beneficiary | 7–14 days |
Claiming ₱20,000 to ₱60,000 in funeral benefits in the Philippines is possible through SSS, GSIS, or private insurers. Understanding the eligibility, documentation, and process ensures a smooth claim during difficult times.
Whether you’re a family member or a close friend managing the arrangements, these benefits provide meaningful financial relief when it matters most.
FAQs
What is the minimum contribution needed for SSS funeral benefits?
Only one monthly contribution is required for the deceased to qualify for SSS funeral benefits.
Can non-family members claim the funeral benefit?
Yes, any person who paid for the funeral (friend, relative, legal guardian) can claim, as long as valid receipts are provided.
Can I apply for both SSS and private insurance funeral benefits?
Yes, as long as the deceased meets both criteria, claimants can apply separately under multiple funeral schemes.