SSS Benefits for a deceased member

[Dacs]

I have a friend and her father just recently passed away.

I checked his SSS data online and I saw through his account that he had accumulated around 98k for lump sum in pension and 20k for his funeral.

Question: Will anyone can enumerate the benefits his family can get?

He was 57 at the time of his passing.

Maraming salamat po!

[c0Rinthian]

http://www.sss.gov.ph/form/pdf/affidavit%20for%20death%20benefit%20claim.pdf

SEC. 12-B. Retirement Benefits. - (a) A member who has paid at least one hundred twenty (120) monthly contributions prior to the semester of retirement and who: (1) has reached the age of sixty (60) years and is already separated from employment or has ceased to be self-employed; or (2) has reached the age of sixty-five (65) years, shall be entitled for as long as he lives to the monthly pension: Provided, That he shall have the option to receive his first eighteen (18) monthly pensions in lump sum discounted at a preferential rate of interest to be determined by the SSS.

"(b) A covered member who is sixty (60) years old at retirement and who does not qualify for pension benefits under paragraph (a) above, shall be entitled to a lump sum benefit equal to the total contributions paid by him and on his behalf: Provided, That he is separated from employment and is not continuing payment of contributions to the SSS on his own.

"(c) The monthly pension shall be suspended upon the reemployment or resumption of self-employment of a retired member who is less than sixty-five (65) years old. He shall again be subject to Section Eighteen and his employer to Section Nineteen of this Act.

"(d) Upon the death of the retired member, his primary beneficiaries as of the date of his retirement shall be entitled to receive the monthly pension: Provided, That if he has no primary beneficiaries and he dies within sixty (60) months from the start of his monthly pension, his secondary beneficiaries shall be entitled to a lump sum benefit equivalent to the total monthly pensions corresponding to the balance of the five-year guaranteed period, excluding the dependents’ pension.

"(e) The monthly pension of a member who retires after reaching age sixty (60) shall be the higher of either: (1) the monthly pension computed at the earliest time he could have retired had he been separated from employment or ceased to be self-employed plus all adjustments thereto; or (2) the monthly pension computed at the time when he actually retires.

"SEC. 13. Death Benefits. - Upon the death of a member who has paid at least thirty-six (36) monthly contributions prior to the semester of death, his primary beneficiaries shall be entitled to the monthly pension: Provided, That if he has no primary beneficiaries, his secondary beneficiaries shall be entitled to a lump sum benefit equivalent to thirty-six (36) times the monthly pension. If he has not paid the required thirty-six (36) monthly contributions, his primary or secondary beneficiaries shall be entitled to a lump sum benefit equivalent to the monthly pension times the number of monthly contributions paid to the SSS or twelve (12) times the monthly pension, whichever is higher.

"SEC. 13-B. Funeral Benefit. - A funeral grant equivalent to Twelve thousand pesos (P12,000.00) shall be paid, in cash or in kind, to help defray the cost of funeral expenses upon the death of a member, including permanently totally disabled member or retiree.

[Dacs]

Salamat c0Rinthian, basahin ko muna yung PDF :)

[Dacs]

Medyo di ko ito ma gets ah.

He made 123 contributions in 10 years. So lagpas na siya sa minimum na 36 contributions.

Will his family be able to get the pension and the lump sum? Or is this mutually exclusive?

[c0Rinthian]

based on the info you provided:

57 y/o yung deceased, as such di applcable yung SEC. 12-B.

So, covered lang yung family ng deceased sa SEC 13.

Hope this helps :)

[c0Rinthian]

What is the death benefit?
It is a cash benefit either in monthly pension or lump sum paid to the beneficiaries of a deceased member.

Who are the beneficiaries of a deceased member?
The primary beneficiaries are the legitimate dependent spouse until the person remarries and the dependent legitimate, legitimated, or legally adopted, and illegitimate children of the member who are not yet 21 years old. In the absence of primary beneficiaries, the dependent parents shall be the secondary beneficiaries. In their absence, any other person designated by the member as beneficiary in the member’s record.

What are the types of death benefits?
They are:

1. the monthly pension; and
2. the lump sum amount.

The monthly pension is granted only to the primary beneficiaries of a deceased member who had paid 36 monthly contributions before the semester of death.

The lump sum is the amount granted to the primary beneficiaries of a deceased member who had paid less than 36 monthly contributions before the semester of death. The secondary beneficiaries shall be entitled to a lump sum benefit.
How much is the monthly pension?
The monthly pension depends on the member’s paid contributions, including the credited yeas of service (CYS) and the number of dependent minor children but not to exceed five.

The amount of monthly pension will be the highest of:

1. the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of 10 years; or
2. 40 percent of the average monthly salary credit; or
3. P1,000 if the member had less than 10 credited years of service (CYS); P1,200 if with at least 10 CYS; or P2,400 if with at least 20 CYS. The monthly pension is paid for not less than 60 months.


If the deceased member is survived by legitimate, legitimated, or legally adopted and illegitimate children, how is the monthly pension divided?
If a deceased member is survived by less than five minor legitimate, legitimated, or legally adopted children, the illegitimate minor children will be entitled to 50 percent of the share of the legitimate, legitimated or legally adopted children in the basic pension and 100 percent of the dependents' pension.

In cases where there are no legitimate, legitimated, or legally adopted children, the illegitimate minor children shall be entitled to 100 percent of the basic pension.

How is the monthly pension paid?
The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program. This became mandatory effective September 1, 1993.

The beneficiary must open a single savings account and must submit to the SSS his saving account number and a photocopy of his passbook upon filing of application. The original passbook must be presented for authentication purposes.

Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing him when to withdraw his benefit from the bank.

How much is the lump sum death benefit?
The primary beneficiaries of a deceased member who has paid less than 36 monthly contributions shall be entitled to lump sum benefit which shall be the higher of:

* monthly pension times the number of monthly contributions paid prior to the semester of death; or
* twelve (12) times the monthly pension.

The secondary beneficiaries of the deceased member shall be entitled to a lump sum benefit equivalent to:

* 36 times the monthly pension; if the member has paid at least 36 monthly contributions prior to the semester of death; or
* monthly pension times the number of monthly contributions paid or twelve (12) times the monthly pension, whichever is higher, if the member has paid less than 36 monthly contributions prior to the semester of death.


Is there anything else a deceased member's beneficiaries can avail of?
Yes, the deceased member’s beneficiaries are entitled to a 13th month pension payable every December and the funeral benefit, which is paid to whoever, shouldered the funeral expenses of the deceased member.

Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also entitled to hospitalization benefits under PhilHealth. They need to register under PhilHealth and must submit a DDR print-out indicating the type of claim is survivorship in nature and the effectivity date of pension or a copy of Death/Survivorship Certification issued by the SSS indicating the effectivity of the pension shall be submitted to PhilHealth.

Survivorship pensioners under the effectivity of RA 7875 on March 4, 1995 and thereafter, are no longer covered. However, those who wish to avail of PhilHealth benefits may enroll in the Individually - Paying Program (for voluntary/self-employed) or the Indigent Program (IP) of PhilHealth.

[c0Rinthian]

If the deceased member has not paid any single contribution, are the beneficiaries still entitled to the death and funeral benefits?
The primary or secondary beneficiaries of a deceased employee-member, who had no contribution payment at all and who was reported for coverage shall be entitled to funeral benefit only.

Are the children of a deceased member entitled to the dependents' pension?
The dependent legitimate, legitimated, legally adopted or illegitimate children, conceived on or before the date of death of a deceased will each receive a dependents’ pension equivalent to 10 percent of the members’ monthly pension or P250, whichever is higher..

Only five minor children, beginning from the youngest, are entitled to the dependents’ pension. No substitution is allowed.

Where there are more than five (5) legitimate and illegitimate minor children, the legitimate shall be preferred.

For how long will the dependent child receive his pension?
The dependents’ pension stops when the child reaches 21 years old, gets married, gets employed or dies. However, the dependents’ pension is granted for life to children who are over 21 years old, provided they are incapacitated and incapable of self-support due to physical or mental defect which is congenital and acquired during minority.

What is the funeral grant?
A funeral grant of P20,000 (effective September 1, 2000) is given to whoever pays the burial expenses of the deceased member or pensioner.

What are the documents needed in filing death and funeral claims?
For Death claim

1. Death claim application (SSS DDR-1)
2. Filers affidavit
3. DDR Savings Account Form
4. Passbook (for Pension)
5. Report of Death (if cause of death is work-connected)
6. SSS Form CLD 13A (Affidavit for Death Claim, if claimant is a secondary beneficiary)
7. SSS Form CLD 13 (Joint affidavit, if claimant is a legal heir)
8. Photo of filer and valid IDs
9. If married, marriage certificate of the deceased and birth certificates of minor children (duly certified by the Local Civil Registrar)
10. If single, the deceased member’s birth certificate and marriage certificate of the parents (duly certified by the Local Civil Registrar)

Note: Other papers may be required as they are found to be necessary during the processing of the claim.

For Funeral claim

1. Claim for Funeral Benefit (SSS Form BPN-103)
2. Death certificate duly certified by the local Civil Registrar
3. Receipt of payment issued by the funeral parlor
4. Affidavit of funeral expenses
5. Report of Death (if cause of death is work-connected)
6. Photo of filer and valid IDs

Original or certified true copies of the supporting documents should be presented during the filing of the claim.


Where does the beneficiary file for the funeral or death benefit?
Application forms for funeral/death benefit can be filed at any SSS branch or representative office.

[Dacs]

I see, just as I thought so.

Thanks pre :)