₱20,000–₱60,000 Funeral Benefit Scheme In The Philippines- Who Qualifies And How To Apply

Funeral expenses can place a heavy burden on families, especially during emotional times. In the Philippines, several financial assistance schemes help ease this burden.

Eligible individuals can now claim ₱20,000 to ₱60,000 in funeral benefits through government-backed and private schemes. This guide provides a complete overview, including eligibility, required documents, application steps, and payout timelines.

Overview of Funeral Benefit Schemes in the Philippines

There are three primary sources of funeral financial support:

1. SSS (Social Security System) Funeral Benefit
2. GSIS (Government Service Insurance System) Funeral Benefit
3. Private Funeral Insurance Plans

Let’s break down each scheme.

1. SSS Funeral Benefit – Up to ₱20,000

The SSS Funeral Benefit supports the families of deceased members to cover funeral-related costs.

Eligibility:

• Deceased must be an SSS member with at least one monthly contribution.
• The claimant must be the person who paid the funeral expenses (spouse, child, or close relative).
• Required documents: Death certificate, funeral payment receipts, valid ID, SSS number.

Claim Process:

1. Download and fill the SSS Funeral Benefit Form from sss.gov.ph.
2. Submit it along with documents via SSS online portal or nearest branch.
3. Await processing and disbursement.

Payment Timeline:

• Processing typically takes 15–30 days.
• Benefit is sent via bank transfer or SSS cash card.

2. GSIS Funeral Benefit – Up to ₱60,000

The GSIS Funeral Benefit offers a higher payout compared to SSS, with a range of ₱30,000–₱60,000 depending on the deceased’s length of service and membership type.

Eligibility:

• Deceased must be a GSIS active or retired member.
• The claimant must have paid for the funeral.
• Documents required: Death certificate, funeral receipts, GSIS ID number, claimant’s ID.

Claim Process:

1. Get the GSIS Funeral Claim Form at any GSIS office or online.
2. Submit with documents at GSIS branches or gsis.gov.ph.
3. Claim will be reviewed, and funds disbursed.

Payment Timeline:

• Processed within 15–20 days.
• Payment made via bank or GSIS eCard.

3. Private Funeral Insurance Benefits – Up to ₱60,000+

Private insurance companies also offer customizable funeral plans ranging from ₱20,000 to ₱60,000+, with added services like embalming and transport.

Eligibility:

• Deceased must have an active funeral insurance policy.
• Claimant must be the listed beneficiary in the policy.

Claim Process:

1. Notify the insurance provider.
2. Submit the claim form and documents (death certificate, policy papers, etc.).
3. Await processing.

Payment Timeline:

• Typically within 7–14 working days depending on provider.

Benefits Summary Table

Provider	Benefit Amount	Processing Time	Eligibility Requirement
SSS	₱20,000	15–30 days	At least 1 contribution, claimant paid for funeral
GSIS	₱30,000 – ₱60,000	15–20 days	Active/retired member, claimant covered cost
Private Insurance	₱20,000 – ₱60,000+	7–14 days	Active policy, named beneficiary

How to Maximize Your Claim

To ensure a smooth claim process:

• Always keep receipts and funeral expense documentation.
• Apply early after the death certificate is issued.
• Use official websites like sss.gov.ph or gsis.gov.ph to avoid scams.
• Confirm your bank account details are updated for a faster payout.

The ₱20,000 to ₱60,000 funeral benefit schemes in the Philippines provide critical support during times of emotional and financial distress.

Whether through SSS, GSIS, or private insurers, knowing the eligibility, process, and timelines ensures that you can receive timely assistance.

Apply early, prepare the right documents, and follow the official procedure to secure the benefit you’re entitled to.

FAQs

1. Can I claim both SSS and GSIS funeral benefits?

No. You can only claim from one agency, depending on the deceased’s membership (SSS or GSIS).

2. Are private funeral insurance benefits tax-free?

Yes, most funeral insurance payouts are non-taxable, but check with your insurer for confirmation.

3. Can non-family members apply for funeral benefits?

Yes, if they can prove they paid for the funeral expenses, they can apply as claimants.