What happens if SSS member dies?

When a Loved One Passes: Navigating SSS Benefits for Survivors

The loss of a loved one is a difficult time, and navigating financial matters during this period can add stress. The Social Security System (SSS) offers support to surviving family members of deceased members through various benefits. Here’s a guide to understanding what happens to SSS contributions and the benefits available to SSS members’ families.

Important Steps After an SSS Member’s Death:

  • Report the Death: As soon as possible, notify SSS about the member’s death. This can be done through SSS branches, online channels (if available), or by calling their hotlines.
  • Gather Documents: Prepare documents like the death certificate, proof of SSS membership, and proof of beneficiary status.
  • Claim Benefits: Depending on the deceased member’s contributions and designated beneficiaries, eligible family members can claim various benefits.

Types of SSS Benefits for Survivors:

  • Death Benefit: A one-time lump-sum payment equivalent to the deceased member’s total contributions (including the employer’s share, if applicable) plus interest. This is typically granted if the member had less than 36 monthly contributions prior to the semester of death.
  • Monthly Pension: If the deceased member had at least 36 monthly contributions prior to the semester of death, qualified beneficiaries may be entitled to a monthly pension. This amount is based on the deceased member’s average monthly salary credit (MSC) and SSS benefit formula at the time of death.
  • Dependent’s Pension: For minor dependent children of the deceased member, an additional dependent’s pension may be granted on top of the monthly pension (if applicable).

Who Qualifies for SSS Survivor Benefits?

The following individuals may be eligible for SSS survivor benefits, depending on the designated beneficiaries and specific circumstances:

  • Spouse: The legal spouse of the deceased member.
  • Dependent Children: Legitimate, legitimated, or legally adopted unmarried dependent children below 21 years old, not gainfully employed, or not students.
  • Dependent Parents: In some cases, dependent parents of the deceased member may be eligible for benefits.

Additional Points to Remember:

  • It’s crucial to keep your SSS beneficiary designations updated to ensure the intended recipients receive the benefits.
  • SSS offers funeral benefits for some loan types. Explore details with SSS for clarification.
  • You can find more information and claim forms on the SSS website ( or at your nearest SSS branch.

Moving Forward with Support:

Losing a loved one is a deeply personal experience. The SSS benefits program aims to provide some financial support during this challenging time. By understanding the available benefits and following the necessary procedures, you can ensure a smoother claims process for your family.


  • SSS representatives are available to assist you. Don’t hesitate to contact them for personalized guidance.
  • During this difficult time, prioritize your well-being and lean on your support system.