When an SSS pensioner dies, their family does not have to lose all SSS benefits. The Social Security System gives a monthly pension to the surviving dependents of a deceased member or pensioner. This is called the Survivor Pension or Survivorship Pension.
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Who Can Receive the SSS Survivor Pension?
SSS gives the survivor pension in this order of priority:
- Primary Beneficiaries: The dependent legal spouse (until they remarry or cohabit) and dependent children (legitimate or illegitimate) who are unmarried, not employed, and under 21 years old.
- Secondary Beneficiaries: In the absence of primary beneficiaries, dependent parents may claim.
- Designated Beneficiaries/Legal Heirs: If none of the above exist, benefits may go to persons designated in SSS records or legal heirs.
How Much Is the SSS Survivor Pension?
The surviving spouse receives
100% of the pensioner's monthly pension. Each dependent child also receives an
additional 10% of the monthly pension, up to a maximum of five children.
However, if the pensioner died
before reaching 60 and had not yet started receiving a pension, the benefit may
be computed differently based on contributions.
How to Claim the SSS Survivor Pension
Step 1:
Report the Death to SSS
As soon as possible after the
pensioner's death, notify SSS. Bring a copy of the PSA-certified death
certificate.
Step 2:
Prepare Your Documents
Surviving spouses must prepare:
•
PSA-certified death certificate of the pensioner
•
PSA-certified marriage certificate (for spouses)
•
PSA-certified birth certificate of surviving children
(if applicable)
•
Valid ID of the claimant
•
Completed SSS survivorship claim form
Step 3: Submit
at the SSS Branch
Go to any SSS branch and submit
all documents to the member service officer. They will review your claim and
tell you when to expect approval.
Step 4:
Enroll Your Bank Account
SSS will release the survivor
pension through a bank account. Make sure to bring your bank account details
when you file your claim.
How Long Will the Survivor Pension Last?
• Surviving spouse: Receives pension for life, UNLESS
they remarry — remarriage stops the spouse's pension
• Surviving children: Receive pension until they turn 21,
marry, or start working
The SSS survivor pension is one
of the most important benefits for families. Make sure your loved one's SSS
records are always up to date — especially the list of beneficiaries.
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