Facing the loss of a loved one is incredibly challenging. But in the time of hour, SSS stands as a pillar of support. The last thing we are worried about in the time of grief is the paperwork to secure death claim benefits. One of the major aspects of securing a death claim is reviewing its requirements.
People frequently ask about the number of documents they require to get the death claim. Additionally, they are unfamiliar with the process of transferring SSS pension to spouses after death and the eligibility criteria of the SSS death claim. Instead of being double-minded, come with me to see the requirements of the SSS death claim.
Eligibility Criteria of SSS Death Claim
- The deceased member of SSS has paid into the program at least once a month before the semester of death.
- The deceased member’s immediate family members or designated primary beneficiaries can claim the SSS death claim.
Requirements of SSS Death Claim
- A beneficiary of the deceased member of SSS should complete the paperwork, including the forms l and ll.
- Fill out the claimant’s photo and signature form which you can download via the link provided below.
Simple Method to Fill the Form of SSS Death Claim
Step 1: Go to the My.SSS Account.
Step 2: Enter username and password to log in.
Step 3: In case you do not have an account, then click on the register button and it will take you to a new page.
Step 4: A pop-up page will appear containing basic information about the SSS account, read it carefully and then check the box and click on the Proceed button.
Step 5: Enter all the details in the empty boxes, such as your SS number, preferred ID, confirmed ID, and address.
Step 6: Review all the details you have provided and then click on the submit button.
Step 7: Open your Gmail inbox and click on the My.SSS account activation email.
Step 8: Click on Activate account and the account has been registered.
Step 9: Set a password and username, then go to the front page to log in.
Step 10: Enter username and newly created password to log in and then navigate to the death benefit claim application.
Step 11: You will see an online application form containing numerous empty boxes in which you have to enter your personal information.
Step 12: Set up a designated account in order to perform seamless cash transactions.
Step 13: Click on the Upload button and select the documents, including the marriage certificate, and the SSS member death certificate or ID documents.
Step 14: Before you submit the application review it twice and if you think the application is complete then tap the Submit button.
Required Documents
- An applicant must provide the photocopy and the original documents of the SSS deceased member’s death certificate.
- An applicant must provide a birth certificate.
- An applicant must provide the marriage certificate.
- An applicant must provide a Social Security Card.
Or
- An applicant must provide SS Form E-6 Acknowledgement Stub.
- An applicant must provide two valid ID document photocopies and one photo along with the SS Form.
- An applicant must provide a 1 x 1 photo of the claimant.
- An applicant must submit a photocopy of the ATM card and previous bank or payment slips.
- The applicant must have provided fingerprints in the designated portion of the application.
- If you are claiming for funeral benefits then fill out the SSS Form BPN-103.
- If you are claiming the funeral benefits then provide a filer’s affidavit.
- An applicant must provide SSS Form CLD -1.3A whether he is the primary or secondary beneficiary.
SSS Death Claim Computation
The SSS death claim is calculated based on the number of contributions a deceased member has made during his lifetime. Additionally, the monthly death pension is determined by the 40% rule. Here are the methods of computations explained with examples:
SSS Funeral Benefit
Formula
P20,000 + (0.5% x Contributions in number x AMSC)
Let’s say subject A earns P30,000 and has contributed 15 times.
P20,000 + (0.5 x 15 x P30,000)
P20,000 + P2250 = P22,250
The above formula is straightforward and simple to calculate the SSS funeral benefits, but the thing that people often neglect while calculating is that the maximum limit is P60,000. If the amount is lower than P60,000, like P22,250, then the applicant will receive the actual amount as we calculated here, but if it exceeds P60,000, then the applicant will receive P60,000.
Basic Monthly Pension Calculation
Formula
40% x AMSC = monthly pension
Note: P1,000 is the amount of pension for the people who have at least 120 monthly contributions.
Let’s say subject B has an AMSC of P12,000.
40% x P12,000 = P4800
Since 40% of the P12,000 is higher than P1,000, so it means the pension amount is P4,800.
How Much is the Lump Sum Death Benefit From SSS?
The lump sum death benefit from SSS is calculated based on various factors, including the number of contributions. The lump sum death benefit from SSS is divided into various further categories. Here are all the categories defined in detail:
A. For Members with At Least 36 Monthly Contributions:
SSS determines lump sum death benefits based on the higher amount between 12 times the monthly pension and P12,000.
Calculation of Lump Sum Benefit
Example: Let’s say the average salary of a deceased SSS member is P30,000.
Calculating monthly pension:
40% x P30,000 = P12,000
Calculating Lump Sum Death Benefit
12 x P12,000 = P144,000
Since the minimum amount is P12,000 and the calculated amount is P144,000, the lump sum would be P144,000.
B. For the Members with Less than 36 Contributions, the Higher Amount is P12,000 and their Monthly Pensions are Multiplied by the Contributions in Number
Calculating monthly pension:
Example: Let’s say the average monthly salary of a deceased SS member is P8,000 and the number of contributions is 20.
Calculating Monthly Pension
40% x P8,000 = P3,200
Calculating lump sum
20 x P3,200 = P64,000 The lump sum amount is P64,000.
Transfer of SSS Pension to Spouse After Death
Death of a loved one is extremely difficult to accept; however, in this condition of grief, you can get a small amount from the SSS pension program. For this, you need to transfer the SSS pension to the spouse after the death of a contributor. Here is the procedure how to transfer SSS pension:
Checking Eligibility Criteria
SSS has an eligibility criteria that enables spouses of deceased contributors to determine whether they can transfer the SSS pension. The eligibility criteria state that the primary spouse is responsible for handling the paperwork of the SSS death claim.
- The spouse left behind after the death of a permanent member of the SSS pension program should be the primary beneficiary.
- The primary beneficiary must have married the deceased SSS member at the time of death.
- The spouse must have been living with the deceased SSS member.
- The spouse must meet conditions if living separately from the deceased SSS member.
- You must provide documentation that the separation was temporary.
- You must provide proof that the separation is not due to marital problems.
- You must give evidence that you were financially dependent upon the SSS deceased member.
Simple Steps to Transfer Pension
Step 1
The process of transferring a pension begins with informing SSS about the death of a member. It is called notification in which we contact SSS and provide basic details about the death of a contributor. You can visit the nearby SSS office or you can call the SSS helpline.
Step 2
Once the spouse of a deceased member has been informed about the death of an SSS contributor, the pension department asks for the documents. It is the responsibility of the primary beneficiary to submit all the documents, including the marriage certificate or death certificate.
Step 3
Submission of documentation proves that the claim of death by the spouse was accurate. However, it does not mean that the SSS pension department will start giving pensions after confirmation. You need to submit an application form that contains all the information about you, your relationship with the dead one, and your payment details.
Step 4
When you are done submitting the application form, you need to be patient for a few weeks because the Department of Finance reviews the application and checks its authenticity. In case the application lacks details, it is returned to the applicant; otherwise, the pension is transferred after verification.
How Can I Track the Status of My SSS Death Claim?
If you have applied for the pension or benefit transfer, you may need to wait for a few days. According to the terms and conditions of SSS, it takes 3 days to process verification of the application. However, if the application has some verification issues, it may take a little longer.
Step 1: Go to the official website of the SSS.
Step 2: Log in to your account by providing a username and password.
Step 3: You will see various options on the screen, but you need to find the “Claims” option.
Step 4: Open that option and then go to the “Death” section.
Step 5: The application status will appear here.
What Happens if I Encounter Issues While Filing the SSS Death Benefit Claim Online?
It is possible an applicant is facing issues while filling out the SSS death benefit online. There can be various reasons why you are facing these issues, such as eligibility problems, missing documents, or a technical problem with the website of SSS. Here are the measures you can take to fix the SSS death benefit claim online issues.
Review Eligibility Criteria
If you are facing issues related to the application, you need to check the eligibility criteria that are explained above. Sometimes, an applicant submits a plea to get the SSS death benefits without properly reviewing the eligibility criteria. If you do not meet the eligibility criteria, your application will be rejected and you will be informed through email and SMS.
Documentation Verification
Sometimes, submitting unverified documents can create numerous issues. To solve such conditions and ensure that the documents you submit are verified, you need to go through the file more than twice. If you have found a document that is not verified, you can delete it and upload a new document on the portal.
Website Issues
Website issues are extremely rare, but they may happen and you can contact the SSS office in order to gather information about the current status of your application. If you are suspicious of the weird behavior of the SSS website, you can check the status of your application via SMS. Here are the measures that can solve technical issues:
- Check your internet connection.
- Use a fast browser that is compatible with the device you use, such as a cell phone or laptop.
- If the browser is fast and compatible then go to the cache section of your browser and delete all the useless data.
How to Solve SSS Benefit Claim Delay?
The delay may occur due to submitting unverified documents or when an applicant does not meet the eligibility criteria. Additionally, technical issues, such as a bug in the website can also cause delays. However, you should make contact with the SSS authorities in order to address your issues.
SSS Contact Details
- SSS Hotline 8-1455 (for landline), 02-1455 (for mobile)
- SSS Call Center Numbers (632) 7917-777
- SSS Toll-Free Number (632) 8920-6401
- SSS Email [email protected]
Furthermore, you can visit the SSS office in order to solve the current problem. SSS offices are located in all the districts, so visit the nearest one and go to the relevant counter. Address the problem you are facing to the receptionist and he will send you to the office of the SSS death benefits managing officer.
Carry all the documents and record the issues you are facing, such as screenshots. Address your issue and provide all the documents to ensure the officer that you meet the eligibility criteria for the SSS death benefit. The officer will go through your application and will tell you why you are facing delay issues and how his team can solve your problem.
FAQs
How long is the processing of the SSS death claim?
The process of SSS death claim takes 3 working days after submitting all the documents and applications. In case, the application lacks some details or there are verification problems, then a delay is possible.
What happens to the SSS death benefit when the primary beneficiary dies?
If the primary beneficiary dies, the pension is transferred to the other primary beneficiary, such as a dependent child. In case there is no primary beneficiary then the SSS death benefits are transferred to the secondary beneficiaries, such as dependent parents.
Final Words
SSS death claim is a light of hope in the darkness of grief that supports you in the time of hour when you are disappearing due to the pain of losing a loved one. SSS death claim can prevent you from financial hardships and give you a roadmap to handle all the expenses. You can get an SSS death claim if you meet the requirements and apply for it with the help of the method above.
Additionally, you can calculate the SSS death claim with the help of the formulas I have provided with examples. You can customize the values and calculate SSS funeral benefits within a few seconds. Furthermore, the lump sum death benefit formulas with examples as well as a method to transfer an SSS pension to the spouse are described in short and simple steps.