SSS Survivorship Tool
SSS Death Benefit Calculator 2026
Check whether qualified beneficiaries may receive a monthly survivorship pension or lump sum, then estimate the amount using the deceased member's SSS contribution record.
This tool is for the death of an SSS member who was not already a retirement pensioner. A retired member's death follows a separate continuation/guaranteed-period rule explained below.
Your estimate
Estimated SSS Death Benefit
Pension formula used
Monthly survivorship pension
2025–2027 Pension Reform Program
Dependent children's pension
Qualified primary beneficiaries receiving monthly survivorship pension are also entitled to a 13th-month pension every December.
Lump-sum computation
Final benefit may still be affected by SSS beneficiary adjudication, contribution records, deductions, overlapping benefits, loans and other applicable rules.
Mandatory Pension Booster / MPF death benefit
This is separate from the Regular SS death benefit. SSS pays Mandatory MPF death benefits as lump sum to beneficiaries regardless of TAAV amount.
SSS Death Benefit at a glance
Primary beneficiary + 36 or more contributions
Generally monthly survivorship pension.
Primary beneficiary + fewer than 36 contributions
Lump sum equal to the higher of pension × contribution count or 12 × pension.
Secondary beneficiary + 36 or more contributions
Lump sum equal to 36 × monthly pension.
Secondary beneficiary + fewer than 36 contributions
Same lower-contribution lump-sum formula: higher of contribution count × pension or 12 × pension.
Who are the SSS Death Benefit beneficiaries?
How the SSS monthly death pension is computed
The statutory monthly pension is the highest applicable amount from:
- ₱300 + (20% × AMSC) + [2% × AMSC × CYS above 10]
- 40% × AMSC
- Minimum pension: ₱1,000 if CYS is below 10, ₱1,200 with at least 10 CYS, or ₱2,400 with at least 20 CYS.
Qualified survivorship pensioners receiving monthly pension also receive the current ₱1,000 additional benefit allowance on top of the statutory pension.
Dependent children's pension
When monthly pension is payable on account of death, a qualified dependent child may receive an additional dependent pension equal to 10% of the monthly pension or ₱250, whichever is higher.
The maximum is five qualified children beginning with the youngest and without substitution, subject to the preference and qualification rules in the Social Security Act and SSS guidelines.
Death / survivorship pension increases from 2025 to 2027
Death and survivorship pensioners are included in the SSS Pension Reform Program, but their rate is different from retirement/disability pensioners.
| Year | Death / survivor increase | Standard cut-off |
|---|---|---|
| 2025 | +5% | August 31, 2025 |
| 2026 | +5% | May 31, 2026 for June early rollout; June 1–August 31 contingencies receive it September 1 |
| 2027 | +5% | August 31, 2027 |
A survivorship pensioner qualified for all three 5% tranches receives compounded growth of about 15.8% (1.05 × 1.05 × 1.05 = 1.157625), which SSS describes as approximately 16%. The increase applies to the monthly pension including the ₱1,000 benefit allowance, and dependent pensions are adjusted accordingly.
What happens to Mandatory Pension Booster / MPF when a member dies?
Mandatory MPF is separate from the Regular SS death benefit. Under the revised MPF rules, the MPF death benefit is paid in lump sum to beneficiaries regardless of account value.
Use the member's official Total Accumulated Account Value (TAAV) in My.SSS rather than trying to reconstruct the exact investment balance from old salaries.
What if the deceased was already an SSS retirement pensioner?
That case follows a different rule from the calculator above.
Upon the death of a retired member, the primary beneficiaries as of the date of retirement are entitled to 100% of the monthly pension, with qualified dependents receiving the applicable dependent pension.
If the retiree has no primary beneficiaries and dies within the first 60 months from the start of retirement pension, secondary beneficiaries may receive a lump sum corresponding to the balance of the five-year guaranteed pension period, excluding the dependent pension and applicable excluded allowances.
What if the deceased was a permanent total disability pensioner?
A PTD pensioner's death also follows special continuation rules. Primary beneficiaries may receive the applicable monthly pension under the death-benefit rules, while a secondary-beneficiary five-year guaranteed-period rule may apply when there are no primary beneficiaries and death occurs within the applicable 60-month period. Use the official SSS disability/death records for this case.
How to file an SSS Death Benefit claim
Death Benefit claims may be filed over the counter at an SSS branch. Qualified dependent legal spouses who are themselves SSS members may also qualify for online filing through My.SSS.
Some cases still require over-the-counter evaluation, including claims involving dependent children or other beneficiary/document complications, in-process/settled claims, invalid coverage, or work-related death requiring EC medical evaluation.
Common basic documents
- Death Claim Application / applicable claim form
- Registered death certificate / PSA or applicable foreign death record
- Claimant identification
- Approved disbursement details / applicable SSS payment channel
- Marriage, birth, dependency and other beneficiary documents depending on the claim
How SSS Death Benefit is paid
SSS may credit death benefits through the beneficiary's UMID card enrolled as ATM or applicable PESONet participating bank, e-wallet, remittance transfer company or cash-payout channel, subject to the current disbursement rules and approved account details.
Possible deductions
The amount actually released can differ from the gross calculator estimate. SSS may apply allowable deductions for applicable outstanding member loans, overlapping benefits, recoverable unemployment benefits or overpaid pensions.
This calculator therefore estimates the gross statutory death benefit before case-specific deductions.
Work-related death may also qualify for EC Death Benefit
If the member died because of a compensable work-related sickness or injury, beneficiaries may also qualify separately under the Employees' Compensation Program.
EC Death Benefit can be granted simultaneously with the Social Security death benefit when the applicable EC requirements are met.
Frequently asked questions
Independent estimate
This tool does not determine legal beneficiary status or access the deceased member's official SSS record. Exact contribution count, AMSC, CYS, beneficiary priority, Pension Booster balance, deductions and final benefit are determined by SSS.
Official references
Rules reviewed August 24, 2026.