One of the benefits that the Philippine Social Security System provides is the Death Benefit.
Death Benefit is a cash benefit paid either in monthly pension or lump sum to the beneficiaries of a deceased SSS member.
Teresita Cahulao, a beneficiary of her late husband’s death benefits from the SSS, had been receiving P4,000 monthly pension since 1992. She became eligible to receive the pension as the primary beneficiary of her husband who was a member of the SSS and who died in 1990 due to a stroke.
The monthly pension that she was receiving was a huge help to her and her seven children. However, her monthly pension was stopped in 2006.
Teresita said that when she applied for her SSS Pensioner’s ID, she was asked if she already has a new partner, and she admitted that she is seeing someone else. Then she was told that she could no longer receive her monthly pension from SSS for having a new partner.
Will your SSS Pension be cut off if you remarry or have a new partner?
Based on the SSS Office Order No. 2010-013, a “surviving spouse” who re-marries or who enters into a “live-in” relationship with another person is disqualified from receiving the monthly death benefit.
And according to SSS Member Communications and Assistance Department manager Fernando Nicolas,
Ang SSS po ay isang social insurance so ang sinusuportahan namin, ang binibigyan namin ng tulong ay ‘yung mga naka-depende doon sa miyembrong namatay,”
Therefore, the answer is yes. If you are a beneficiary of SSS and you remarry or enter into a new relationship, your pension or death benefits from your deceased SSS member-husband will be stopped, canceled, or cut off.
But before your pension is canceled, SSS conducts a series of investigations first. Oftentimes, the relatives of the deceased SSS member submit complaints to the Social Security System when the beneficiary is already seeing someone else.
SSS Visayas West One Division head Dr. Lilani Benedian said,
It’s not easy for us to automatically suspend. Cancel. No. It has to be supported with investigation. The number one na mag-reklamo dito sa amin are those relatives. Most especially the in-laws and the neighbors. Of course, once they have complaints in our office, we have to act on it.”
In Teresita Cahulao’s case, SSS said that they conducted an investigation and they found out that relatives of her deceased husband filed a complaint.
Will I receive my monthly pension again if I stop seeing my new partner?
According to the SSS, death benefits under the clause cannot be restored once revoked. It is a lifetime policy.
SSS Member Communications and Assistance Department manager Fernando Nicolas said,
“For example, nag-sama kayo nobyo ng isang taon tapos humiwalay na kayo, then after that year, you will inform SSS na, hoy, separated na ako doon sa aking kinasama…Hindi na namin ibabalik ‘yung pension.”
Therefore, the answer is no. You will no longer receive the same benefits again even if you part ways with your new partner.
Click here to read: SSS Death and Funeral Benefit Application and Requirements
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