Can the SSS Funeral Benefit be filed online?

SSS member-claimants may file Funeral Benefit claims online through My.SSS when the online prerequisites and disbursement setup are ready. Non-SSS-member claimants file over the counter at an SSS branch.

Does SSS pay more than the funeral expenses?

No. The Funeral Benefit is reimbursement of supported funeral expenses and cannot exceed the computed Funeral Benefit due.

Can a prepaid memorial plan such as St. Peter count as funeral expense for SSS Funeral Benefit?

Yes. Payment for a memorial or funeral insurance plan is an allowable funeral expense under current SSS rules when supported by the applicable Certification of Availment and proof of payment or other required documents.

SSS Funeral Benefit Tool

SSS Funeral Benefit Calculator 2026

Q: How much is the SSS Funeral Benefit in 2026?

If the deceased member or pensioner had 1 to 35 paid contributions up to the month of death, the Funeral Benefit due is PHP 12,000. With at least 36 contributions, the computed benefit ranges from PHP 20,000 to PHP 60,000.

Q: Who can claim the SSS Funeral Benefit?

The surviving legal spouse has first priority. A child, parent or other natural person who paid the funeral expenses may qualify when the surviving legal spouse did not pay or cannot be located, is deceased, or the deceased member or pensioner was single.

The SSS Funeral Benefit is currently ₱12,000 for 1–35 paid contributions, or a variable ₱20,000–₱60,000 for 36 or more contributions, subject to supported funeral expenses.

Use this guided tool to check the amount, who should claim, what documents to prepare, whether to file online or at a branch, and whether the payment account is ready.

Step 1

Tell us about your loved one

This checks the correct rule and the general 10-year filing period.

When did your loved one pass away?

Was the member already receiving an SSS pension?

Step 3

How much funeral expense can you support?

Enter the total funeral cost you can support with accepted receipts, certifications or other SSS-accepted proof. We will use this amount before showing your estimated payable benefit.

How much funeral expense can you support with accepted proof?

₱

Enter the total funeral expenses you can support with SSS-accepted proof. This can include a prepaid memorial/funeral plan such as St. Peter when supported by the applicable Certification of Availment/proof. Enter the supported amount, not only cash paid on the date of death. This amount is required because SSS reimbursement cannot exceed the supported funeral expense.

How much is the SSS Funeral Benefit in 2026?

1 to 35 paid contributions

Computed funeral benefit due is a fixed ₱12,000.

36 or more contributions

Variable benefit from ₱20,000 to ₱60,000, depending on total paid contributions and AMSC.

The computed benefit due is a ceiling. The funeral benefit is reimbursement of accepted funeral expenses and cannot exceed the supported amount actually claimable.

SSS Funeral Benefit formula

For 36 or more paid contributions:

₱20,000 + (0.5% × number of paid contributions × AMSC)

Minimum: ₱20,000 · Maximum: ₱60,000

The number of paid contributions is the total contributions paid up to the month of death. This is different from benefits that use only a recent contribution window.

Who can claim the SSS Funeral Benefit?

The funeral benefit is for the person who actually paid the funeral expenses, subject to the SSS order of priority.

Surviving legal spouse
Child, parent or another natural person who can present proof of payment, when the applicable conditions concerning the surviving legal spouse are met.

What funeral expenses can be considered?

The revised SSS guidelines list expenses such as:

Embalming services
Burial transfer services and permits
Funeral services, including applicable church/religious service fees
Cremation or interment services
Purchase or rental of coffin
Purchase or rental of niche, cemetery or memorial lot, or columbarium
Payment for a memorial/funeral insurance plan

What proof of funeral expenses is needed?

The funeral benefit is reimbursement, so proof of payment matters.

For a claimant other than the surviving legal spouse, the official receipt generally needs to be in the claimant's name and identify the deceased member/pensioner, with applicable supporting documents concerning the spouse and claimant priority.

The surviving legal spouse may use the alternative proof/certification route allowed by the revised SSS guidelines when applicable.

Basic Funeral Benefit requirements

Depending on the claim, SSS may require:

Proof establishing the deceased person's SSS membership
Registered death certificate / applicable official death record
Proof that the claimant paid the funeral expenses
Marriage certificate, CENOMAR, waiver, affidavit or other priority documents when applicable
Additional documents for special cases such as death abroad

Always use the current official checklist because the exact requirement depends on the deceased member's civil status, claimant relationship, place of death and available proof of payment.

Can the Funeral Benefit be filed online?

Yes, for an SSS member-claimant who meets the online prerequisites. A non-SSS-member claimant generally files over the counter at an SSS branch.

Online prerequisites

SS number and registered My.SSS account
Approved disbursement account enrolled through DAEM

Basic online flow

Log in to My.SSS.
Open Funeral Claim under Benefits.
Enter the deceased member's identifying and death details.
Enter claimant relationship and select the DAEM disbursement account.
Upload the applicable supporting documents.
Submit the certification and monitor the email/application notice.

How long do you have to file?

Under SSS Circular No. 2023-009, applications for funeral benefit should generally be filed within 10 years from the month of death of the member or pensioner.

What if more than one person paid funeral expenses?

The revised guidelines provide rules for more than one claimant. If two or more qualified claimants file simultaneously, payment may be pro-rated.

If a balance remains after payment to the first claimant, a succeeding qualified claimant may also be paid, but not beyond the remaining funeral benefit due.

Work-related death: EC Funeral Benefit is separate

If the death is compensable under the Employees' Compensation Program, there may also be an EC Funeral Benefit of ₱30,000. That is a separate EC benefit and should not be confused with this Social Security Funeral Benefit calculator.

EC eligibility depends on whether the death is work-related and compensable under EC rules.

Frequently asked questions

No. ₱60,000 is the maximum computed benefit for members/pensioners with at least 36 contributions. The actual computed amount depends on paid contributions and AMSC, and reimbursement cannot exceed accepted funeral expenses.

If the deceased had at least one but fewer than 36 paid monthly contributions up to the month of death, the current computed funeral benefit due is fixed at ₱12,000.

No. A qualified non-SSS-member claimant can claim the benefit, but the filing channel differs. Current SSS guidance says member-claimants may file online while non-member claimants file over the counter.

No. Funeral Benefit reimburses qualified funeral expenses. Death Benefit is a separate SSS benefit paid to qualified beneficiaries as monthly pension or lump sum depending on the deceased member's contribution history and beneficiary status.

For 36 or more paid contributions, it uses AMSC rather than simply current salary. AMSC is determined from the member's SSS contribution record under the official funeral-benefit formula.

A prepaid memorial/funeral plan can still count as an allowable funeral expense under current SSS rules. SSS may accept the applicable Certification of Availment from the memorial/insurance plan company in lieu of an ordinary Official Receipt, with additional proof depending on whether the plan was in the deceased member's or claimant's name. The Funeral Benefit is still limited to the lower of the computed SSS benefit and the accepted supported funeral expense.

Independent calculator

This calculator estimates the benefit from the values you enter. It cannot verify official contribution history, AMSC, claimant priority, funeral-expense documentation, or final SSS approval.

Official references

Official SSS Funeral Benefit Guide SSS Circular 2023-009 — Revised Funeral Benefit Guidelines

Rules reviewed August 24, 2026.

SSS Funeral Benefit Calculator 2026

Tell us about your loved one

Check the contribution bracket

How much funeral expense can you support?

Optional: get a closer 36+ contribution estimate