Guide on SSS Death Benefit Lump Sum 2025 Amount for Beneficiaries
SSS DEATH BENEFIT LUMP SUM 2025 – Here is a guide on how much the beneficiaries may get from the Social Security System.
There is a huge advantage in being a member of a state-run social insurance giant in the Philippines. The benefits may not only be beneficial for the members but as well as their families. Are you one of the members of the Social Security System?
More popularly called SSS, the Social Security System is operating in the country for decades now. It got several offers that its members can turn to in times of financial needs. Aside from the SSS loans, the social insurance giant also has several benefit offers. One of them is the SSS Death Benefit.
The SSS Death Benefit is paid to the beneficiaries of a deceased SSS member. Under it, the beneficiaries may get either a pension or a lump sum. The SSS Death Lump Sum is for members of the Social Security System who have paid less than 36 monthly contributions at the time of their death. The social insurance giant has set different considerations among the primary beneficiaries and the secondary beneficiaries of a deceased member.
The primary beneficiaries include the deceased member’s dependent spouse, until he/she remarries, and the dependent legitimate, legitimated, or legally adopted, and illegitimate children. The SSS gives priority to the primary beneficiaries in the release of the benefit claim. The lump sum is equivalent to the higher amount between the following:
- monthly pension multiplied by the number of monthly contributions paid prior to the semester of death
- twelve (12) times the monthly pension
In the absence of a primary beneficiary, the secondary beneficiaries of a deceased member may claim the SSS Death Lump Sum. The secondary beneficiaries are the parents of the deceased SSS member. According to the social insurance giant, the lump sum is equivalent to:
- 36 times the monthly pension – if the member has paid at least 36 monthly contributions prior to the semester of death
- 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
It is important to know that the SSS Death Benefit lump sum may be subject to deductions. Here are the possible deductions from the claim of a primary or secondary beneficiary of a deceased member:
- all unpaid short-term member loans of the deceased member, whether or not the term of payment has expired as of contingency date, shall be deducted in full from the proceeds of the benefit payments
- pensions paid after the death of the deceased retiree/permanent total disability pensioner
- overpayment/undue payment of benefit to the member or his/her beneficiaries
- overlapping sickness, maternity and partial disability benefits after the month of death
- Settled unemployment benefit in the event of the following:
- When the involuntarily separated employee files a case/complaint against his/her employer and the final and executory resolution thereof showed:
- that the case/complaint resulted in re-instatement of the involuntarily separated employee with payment of backwages; or
- that substantive and procedural due process was complied with in the termination of employment based on any of the just cause/s under Article 297 (282) of P.D. No. 442 or the Labor Code of the Philippines, as amended
- When the employee is rehired or re-employed within the compensable period, or within two (2) months from the date of involuntary separation
- When the involuntarily separated employee files a case/complaint against his/her employer and the final and executory resolution thereof showed:
In filing for a claim, the requirements that must be submitted to the SSS depends if the one who is filing a claim is a primary beneficiary or a secondary beneficiary. Here is a guide on the documents required by the social insurance giant in filing a claim: