Guide on Amount of SSS Death Benefit Pension 2025 for Qualified Cases
SSS DEATH BENEFIT PENSION 2025 – Here is a guide on how much beneficiaries may get in case a member of the Social Security System dies.
In the Philippines, the Social Security System provides multiple financial solutions to millions of Filipinos. Apart from the SSS loans, it got benefit offers which can help not only the members but as well as their families.
One of the benefit offers of the SSS is the Death Benefit. It is designed to help the family of the members in case of the demise of the member. On the part of the members, it is an assurance that their loved ones will not be left with nothing.
Under the SSS Death Benefit offer, the beneficiaries of a deceased member of the social insurance giant may get either an SSS Death Benefit pension or lump sum. The beneficiaries of deceased members who have posted at least 36 monthly contributions prior to the their death may qualify for a pension that is given monthly.
The SSS Death Benefit Pension is a “lifetime cash benefit paid to the primary beneficiaries of a deceased member”. The primary beneficiaries are the following:
- dependent spouse, until he/she remarries
- dependent legitimate, legitimated, or legally adopted, and illegitimate children of the member who are:
- unmarried
- not gainfully employed
- not yet 21 years old
- 21 years old and above but incapacitated and incapable of self-support due to physical or mental disability which is congenital in nature or acquired during minority
How much is the SSS Death Benefit Pension? According to the Social Security System, it will be the highest amount yield among the following:
- 300 + (20% x AMSC*) + (2% x AMSC) x (CYS** – 10); or
- 40% x AMSC; or
- Minimum pension of P1,000 if the member had less than ten (10) CYS; P1,200 if with at least ten (10) CYS; or P2,400 if with at least twenty (20) CYS, whichever is applicable.
The AMSC refers to the Average Monthly Salary Credit while the CYS refers to the Credited Years of Service. According to the Social Security System, the dependents of a deceased member of the social insurance giant may also qualify to the Dependent’s Pension.
A deceased member’s child who is qualified under the Dependent’s Pension may receive a “pension equivalent to ten percent (10%) of the member’s monthly pension or P250, whichever is higher”. It will be paid to up to five dependent children per member. This type of pension will stop once any of the following occurs:
- death
- marriage
- gainful employment
- dependent turns 21 years old, except if they are incapacitated and incapable of self-support due to physical or mental disability which is congenital in nature or acquired during minority.
There are deductions from the SSS Death Benefit pension for the beneficiaries of a deceased member of the Social Security System. Here are the possible deductions:
- 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 case a deceased member has not reach the required 36 monthly contributions for a monthly pension, his/her beneficiaries may qualify for an SSS Death Benefit Lump Sum.