SSS Funeral Benefit Tool

SSS Funeral Benefit Calculator 2026

Estimate the SSS funeral benefit due and the possible amount payable based on the deceased member's paid contributions, AMSC and supported funeral expenses.

1. Contribution history

Use the deceased member or pensioner's total paid SSS contributions up to the month of death.

1–35 paid contributions use the fixed ₱12,000 rule. 36 or more use the variable formula.

2. Average Monthly Salary Credit (AMSC)

AMSC is needed only when the deceased had at least 36 paid contributions.

₱
Enter the SSS AMSC if known. For current Regular SS benefit computation, this calculator limits the AMSC input to ₱20,000.

Under the official funeral-benefit rule, AMSC is the higher of the applicable 60-MSC average or the applicable average of all MSCs before the contingency period. If unsure, use the official SSS record rather than guessing.

3. Funeral expenses paid

The benefit is reimbursement of accepted funeral expenses and cannot exceed the computed funeral benefit due.

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Use the amount supported by accepted receipts/certifications or other allowed proof.

Your estimate

Estimated SSS Funeral Benefit

Estimated amount payable based on expenses
₱0.00
Computed SSS funeral benefit due ₱0.00
Supported funeral expenses entered ₱0.00
Estimated payable ₱0.00

Variable-benefit formula

₱20,000 + (0.5% × paid contributions × AMSC)
Base amount ₱20,000.00
Formula add-on ₱0.00
Benefit after ₱20,000–₱60,000 limits ₱0.00
The calculator cannot estimate a standard SS Funeral Benefit with zero paid contributions. Verify the deceased member/pensioner's SSS contribution and pension record directly with SSS.
Open My.SSS Review Official SSS Funeral Benefit Guide

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.

  1. Surviving legal spouse
  2. 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

  1. Log in to My.SSS.
  2. Open Funeral Claim under Benefits.
  3. Enter the deceased member's identifying and death details.
  4. Enter claimant relationship and select the DAEM disbursement account.
  5. Upload the applicable supporting documents.
  6. 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.

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.

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