SSS Implements Checkless Payment of Funeral Benefits

The Social Security System (SSS) is tapping into financial technology in the disbursement of funeral benefits to its members and will no longer issue check for such purpose.

SSS President and Chief Executive Officer Aurora C. Ignacio said in a statement that proceeds of the funeral benefit claim will be disbursed either through fund transfer or ATM.

The fund transfer will be facilitated through Philippine Electronic Fund Transfer System and Operations Network (PESONet) participating banks, e-wallets such as PayMaya, or through remittance transfer companies (RTC) and cash payout outlets (CPO).


The funeral benefit under the SSS is a cash benefit granted to any person who paid for the funeral expenses of the deceased member.

Ignacio said that upon the filing of funeral claim applications, claimants, who are also SSS members, are required to enroll a disbursement account in the SSS’ Bank Enrollment Module (BEM) if they do not have a UMID-ATM.

SSS Bank Enrollment Module

To enroll an account, members must log in to their My.SSS account and proceed to the E-services tab and click Bank Enrollment.

Afterward, they must select their bank of choice, taking into consideration that it should be a PESONet participating bank. The list may be found under the ACH Participants section of the Payments and Settlements tab of the Bangko Sentral ng Pilipinas’ website.

They can also select the DBP Cash Padala Thru M Lhuillier, an RTC/CPO, as a means to receive the funeral benefit proceeds.


Once the member has selected a bank, he or she should supply his or her bank account number to enroll in their bank accounts or their mobile number for PayMaya or RTCs/CPOs.

In providing their bank account or mobile phone numbers, members must input such as a continuous string of numbers without dashes in between numeric or non-numeric characters.

Meanwhile, funeral benefit claimants who are not members of the SSS should present and submit a copy of their disbursement account, together with their funeral claims application and other documentary requirements.

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