In the Philippines, funeral benefits provide crucial financial relief to families dealing with the loss of a loved one. With amounts ranging from ₱20,000 to ₱60,000, these benefits are accessible through various programs including SSS, GSIS, and private insurance providers.
This guide explains who is eligible, how to apply, the forms required, and the processing timelines for each scheme.
What Are Funeral Benefits?
Funeral benefits are lump-sum financial aids meant to help cover funeral-related costs, such as burial, caskets, services, and more. They are usually granted to the person who shoulders the funeral expenses.
Breakdown of Funeral Benefits in the Philippines
| Provider | Benefit Amount | Processing Time | Key Requirement |
|---|---|---|---|
| SSS | ₱20,000 | 15–30 days | Must be SSS member with contributions |
| GSIS | ₱30,000 – ₱60,000 | 15–20 days | Must be active or retired GSIS member |
| Private Insurance | ₱20,000 – ₱60,000+ | 7–14 days | Must have active insurance policy |
SSS Funeral Benefit
Eligibility Criteria
- The deceased must be a registered SSS member with at least one paid contribution.
- The claimant (payer of funeral costs) can be a spouse, relative, or even a friend.
- Required documents include:
- Death certificate
- Proof of funeral expenses
- SSS ID or the deceased’s SSS number
Claim Process
- Get the SSS Funeral Benefit Form from the SSS website or branch.
- Submit it with all required documents online or in-person.
- Wait for verification and payment through bank or SSS-issued cash card.
GSIS Funeral Benefit
Eligibility Criteria
- The deceased must be an active or retired GSIS member.
- Claimant must show proof of funeral payment.
- Required documents:
- Death certificate
- Funeral expense receipts
- GSIS ID details and claimant’s ID
Claim Process
- Download and fill out the GSIS Funeral Claim Form.
- Submit documents online or at the GSIS office.
- Wait for payment via bank or GSIS eCard.
Private Insurance Funeral Benefits
Eligibility Criteria
- The deceased should have an active policy with a funeral benefit clause.
- Claimants must be named beneficiaries or provide proof of payment.
Claim Process
- Notify the insurance company immediately.
- Fill out the claim form and submit with required documents.
- Claim is processed and paid within 1–2 weeks.
Common Documents Required for All Schemes
- Valid government-issued ID
- Original or certified death certificate
- Funeral expense receipts
- Proof of relationship or payment responsibility
Important Dates and Deadlines
While there is no strict national deadline, claims should be filed as soon as possible, ideally within 30–90 days of the death to avoid issues in processing.
Why These Benefits Matter
With the average cost of a funeral in the Philippines ranging from ₱50,000 to over ₱150,000, these benefits significantly ease financial burdens during emotionally difficult times.
Proper knowledge of the process ensures that families don’t miss out on available assistance.
Whether you are claiming through SSS, GSIS, or a private insurer, the ₱20,000–₱60,000 funeral benefits are vital support systems during times of loss.
Understanding the eligibility, completing the correct forms, and following the application process will help you receive the benefit quickly. Be sure to gather all required documentation and act promptly.
FAQs
Can I claim both SSS and GSIS funeral benefits?
No, you can only claim from one provider based on the deceased’s membership.
How long does it take to get the funeral benefit?
Processing times range from 7 to 30 days, depending on the provider.
What happens if documents are incomplete?
Incomplete submissions can delay or reject the claim. Always verify requirements before submitting.