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2016 SSS Guidebook - 092116 PDF
2016 SSS Guidebook - 092116 PDF
Introduction ................................................................................................. 2
Coverage ....................................................................................................... 4
Registration ................................................................................................ 10
Contributions ............................................................................................. 31
Contribution Schedule
Benefits
Sickness............................................................................................. 39
Maternity .......................................................................................... 48
Disability ........................................................................................... 57
Retirement ........................................................................................ 65
Death ................................................................................................. 81
Funeral .............................................................................................. 93
Employees’ Compensation ................................................................ 97
Note:
The SSS Corporate Communications Department (CCD) aims to provide the most
updated policies and information in this SSS GUIDEBOOK for the benefit of its
Members. Thus, the information contained herein are current and correct as
of September 1, 2016. We shall update this Guidebook periodically as new policies
and/or programs are approved for implementation.
1
INTRODUCTION
The concept of social security evolved from an age-old search of man for protection
against poverty, which breeds grave social ills that not only threaten his survival, but also erodes
his sense of human dignity. It, therefore, becomes the duty of the State to operate a mechanism
that would provide such protection to its people.
LEGISLATIVE HISTORY
On January 26, 1948, Philippine President Manuel A. Roxas proposed a bill seeking to
establish a social security system for wage earners and low-salaried employees. This was
recommended to Congress in his State of the Nation Address.
After the death of President Roxas, his successor, President Elpidio R. Quirino, created
the Social Security Study Commission on July 7, 1948. The creation of the Commission was his
first official act upon his assumption to office. Based on the report of the Study Commission, a
draft of the Social Security Act was submitted to Congress.
In 1954, Representative Floro Crisologo and Senators Cipriano Primicias and Manuel
Briones introduced bills based on the report of the Social Security Study Commission in the
House of Representatives and in the Senate. These bills were consolidated and enacted into
Republic Act (RA) 1161, better known as the Social Security Act of 1954.
However, business and labor groups objected to the Social Security Act, resulting in a
deferment of its implementation.
In 1957, amendatory bills were presented in Congress. These bills were the bases of RA
1792, which amended the original Social Security Act.
On September 1, 1957, the Social Security Act of 1954 or the Social Security Law (SS Law)
was finally implemented, marking a significant milestone in the social security program. With
the implementation of the SS Law, the government also adopted the social insurance approach
to social security, covering the employed segment of the labor force in the private sector.
In 1980, certain groups of self-employed persons were also required to contribute to the
social security fund. Self-employed farmers and fisherfolks were included in the program in
1992. In 1993, household helpers earning at least P1,000 were included in the compulsory
coverage of employees. Meanwhile, workers in the informal sector earning at least P1,000 a
month, such as ambulant vendors and transport workers, were covered in 1995.
The Social Security System (SSS) administers social security protection to workers in the
private sector. On the other hand, the Government Service Insurance System (GSIS) takes care
of workers in the public sector.
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Social Security provides replacement income
for workers in times of death, disability, sickness,
maternity and old age.
SSS used to administer the Medicare program for hospitalization and other medical
needs of the private sector workers; and the GSIS, for the public sector workers. However, with
the passage of RA 7875 or the National Health Insurance Act of 1995, the SSS and GSIS
transferred the administration of the Medicare program to the Philippine Health Insurance
Corporation (PhilHealth) for an integrated and comprehensive approach to health development
effective July 1999.
SSS retirement, death, and total disability pensioners prior to the effectivity of RA 7875
on March 4, 1995 are entitled to hospitalization benefits under PhilHealth. Pensioners, upon the
effectivity of RA 7875 on March 4, 1995 and thereafter, are no longer covered except when they
meet the qualification requirements set by PhilHealth.
On May 1, 1997, President Fidel V. Ramos signed RA 8282, further strengthening the
SSS. Also known as the Social Security Act of 1997, it amended RA 1161, providing for better
benefit packages, expansion of coverage, flexibility of investments, stiffer penalties for violators
of the law, condonation of penalties of delinquent employers, and the establishment of a
voluntary provident fund for members.
SSS MISSION
To manage a sound and viable social security system, which shall promote social justice
and provide meaningful protection to members and their families against the hazards of
disability, sickness, maternity, old age, death and other contingencies resulting in loss of income
or financial burden.
SSS VISION
A viable social security institution providing universal and equitable social protection
through world-class service.
3
COVERAGE
COMPULSORY COVERAGE
Compulsory coverage is the mandatory registration of employees, employers and self-
employed persons with the SSS, with corresponding payment and remittance of social security
contributions.
1. Employer (ER)
An ER is any person who uses and pays for the services of another person in any
business, trade, industry, or undertaking.
a) A social, civic, professional, charitable, and other non-profit organization that hires the
services of employees are also considered “ERs.”
c) A household employer (HR) is one who uses the services of a house helper; whomever
pays the compensation for such services – whether the husband, wife, or any other
person – shall be deemed the HR.
2. Employee (EE)
b) A house helper who is not over 60 years of age (up to 60th birthday, if initial coverage).
A house helper is any person who renders domestic or household services exclusively in
the HR’s home, including other areas that the HR may designate, and to the members of
the employer’s household, and who receives compensation for such services.
c) A Filipino seafarer, upon signing of the standard employment contract and actual
deployment by the manning agency and the foreign principal, who are considered as the
ERs.
An SE person is one engaged in any trade, business or occupation, who has no ER other
than himself, derives an income of at least P1,000 a month from his/her physical and mental
efforts, and who is not over 60 years of age (if initial coverage).
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Included, but not limited to, are the following SE individuals:
a) SE professionals who have their own business offices;
b) Partners, single proprietors of businesses, and Directors or Trustees of the Board of
corporations duly registered with appropriate government agencies;
c) Actors, directors, scriptwriters, and news correspondents who do not fall within the
definition of the term ”employee” in Section 8 (D) of the SS Law;
d) Professional athletes, coaches, trainers, jockeys, individual farmers, and fisher folks;
e) Workers in the informal sector such as market and ambulant vendors, watch-your-car-
boys, transport workers, and those similarly situated;
f) Contractual and job order personnel engaged by the government through a Contract of
Service and who are not coverable under the GSIS Law; and
g) Any other SE person as determined by the Social Security Commission (SSC) under such
rules and regulations that it may prescribe.
An SE person who is not over 60 years old (up to 60th birthday) is still subject for
compulsory coverage, if for initial membership. In the same manner, an existing member (who
already has an SS Number and at least one month contribution) who becomes an SE person
after his/her 60th birthday but before the 65th birthday is still subject for compulsory coverage.
VOLUNTARY COVERAGE
Voluntary coverage is the non-mandatory registration and payment of social security
contributions by non-working spouses (NWS), overseas Filipino workers (OFWs), and those
covered under bilateral agreements. It also includes former employed/SE members who wish to
continue payment of social security contributions.
A VM is one who:
a) was previously covered as an SSS member either as an EE, SE, or OFW;
b) has at least one (1) posted contribution;
c) is no longer engaged or working as either an EE, SE, OFW, or has no income/earnings as
such for a given period; and
d) opts to continue paying contributions on a voluntary basis to maintain his/her right to
full SSS benefits.
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2. Overseas Filipino Worker (OFW)
An OFW without a previously assigned SS Number shall register using the Personal
Record Form (SSS Form E-1). On the other hand, an OFW with a previously assigned SS
Number does not need to register anew, and shall only tick off “OFW” in the Payor type portion
of the Contributions Payment Return Form upon payment of contributions.
An NWS is a married person who devotes full time in the management of the household
and family affairs, unless he/she is engaged in other vocation or employment that is subject to
mandatory coverage. An NWS should:
be legally married to a currently-paying EE, SE or OFW member who has at least one (1)
posted contribution within the last six (6) months prior to registration date of the NWS;
have never been a member of SSS (not yet covered and no posted contributions); and
not be over 60 years old (up to 60th birthday).
An NWS without an SS Number shall register using the Personal Record Form (SSS
Form E-1).
The signature of the working spouse shall be required in either the SSS Form E-1 or the
SSS Form E-4, whichever is applicable, to signify his/her consent to the NWS’ membership
with SSS.
Accomplish the Member Data Change Request Form (SSS Form E-4).
There is no need to accomplish any form nor present any supporting document. Upon
payment of contributions, he/she should tick off the “Voluntary Member” option in the Payor
type portion of the Contributions Payment Return Form upon payment of contributions.
This shall be deemed as member’s declaration that he/she has ceased to be an EE, SE, or an
OFW member, and/or that he/she did not have any income or earnings either as such in the
period for which VM contributions were paid.
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3. From covered EE/OFW/VM/NWS/Prior Registrant to OFW
There is no need to accomplish any form nor present any supporting document. Upon
payment of contributions, he/she should tick off “OFW” in the Payor type portion of the
Contributions Payment Return Form upon payment of contributions. This shall
automatically trigger change in his/her coverage status from EE/SE/VM/Prior Registrant to
OFW-member once payment is validated. This shall also be deemed as the OFW-member’s
declaration that he/she has been separated from employment with previous ERs in the
Philippines and/or has ceased to be an SE.
1. For an ER: on the first day he/she hires the first EE/s
2. For an EE: on the first day of employment
3. For the SE:
on the month and year of first monthly contribution payment, provided that it is not
earlier than the declared “Start of Business” in the SSS Form E-1; or
retroactive on the applicable month and year of the first contribution payment, upon
approval of his/her late registration as an SE member.
4. For an OFW: on the applicable month and year of the first contribution payment based on
the payment deadline for OFWs, which may be earlier than the date of registration
5. For NWS: on the applicable month and year of the first contribution payment
To the ER / HR
An ER who does not report his/her EEs, regardless of status of employment, is violating
the SSS Law. Meanwhile, an HR who does the same can be sued for violating two (2) laws – one
under the Republic Act 10361 or the Batas Kasambahay, and the one under Republic Act 1161,
as amended by RA 8282 or the Social Security Act of 1997.
To the EE
The EE is still entitled to SSS benefits even if the ER fails or refuses to report and remit
SSS contributions.
7
An SE person who failed to register as an SE member, but has already paid SE
contributions, shall be required to submit the following for the approval of his/her late
registration as an SE member:
1. Member Data Change Request Form (SSS Form E-4) indicating the year of the
first SE contribution as the ‘Start of Business’; and
2. Affidavit declaring the source of income and indicating the year of the first SE
contribution as the start of self-employment.
An SE, NWS and VM who fails to remit contributions after membership is approved may
only pay the monthly contributions prospectively. The months without posted contributions
shall already be considered as “gaps” and back-payment to fill those gaps (i.e., retroactive
payment of contributions) is not allowed.
An OFW is allowed to pay contributions from the earliest applicable month covered by
the payment deadline for OFWs. The months beyond the deadline and without posted
contributions are already considered as “gaps”, and back-payment to fill in those gaps
(i.e., retroactive payment of contributions) is not allowed.
No. Securing an SS number does not automatically mean a person is already covered as a
member. An employed worker becomes a covered SSS member when the ER submits an
employment report and has paid at least one (1) contribution in behalf of the EE. An SE, OFW or
NWS becomes a covered SSS member when at least one (1) contribution has been paid.
Can a person who has secured an SS Number but has no employer yet,
already pay contributions on his/her own as a Voluntary Member?
No. By definition, a VM is one who already has at least one (1) month contribution as a
previous EE, SE, or OFW member and thus, has an existing Date of Coverage (DOC), which is
essential in determining a member’s eligibility for benefits. Paying initial contributions as a VM
will render them void and subject to refund.
On the other hand, an OFW who has secured an SS Number may already proceed with
the payment of contributions as an OFW using the issued SS Number.
No. Membership with the SSS is for life. However, a member who was separated from
employment or ceased to be an SE or OFW has the option to continue paying SSS contributions
as a VM to maintain the right to the full benefits being provided by the SSS.
Even when there are periods when no contributions are remitted, the benefits and loan
privileges provided by the SSS can still be availed of, as long as the member meets the qualifying
conditions for entitlement thereto.
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What happens to the coverage of a member who has received a lump sum
benefit for permanent total disability?
The recipient of a lump sum benefit for total permanent disability who is re-employed or
has resumed self-employment not earlier than one (1) year from date of disability, shall again be
subject to compulsory coverage and shall be considered a new member, provided that he/she is
not over 60 years of age at the time of re-employment or resumption of self-employment.
No. The SS Number assigned to a member/person is the lifetime number and must
always be used in all transactions with the SSS. Verification of a previously issued SS Number
can be requested at the nearest SSS Office. The member should never secure another SS
Number, as having more than one (1) SS Number will cause delay in the processing of claim for
benefits or loans in the future. Thus, it is important to have only one (1) SS Number.
However, in cases when a member has multiple SS Numbers, he/she must request for
cancellation of the excess SS Numbers as soon as possible in order to consolidate and transfer all
member records (e.g., employment history, contributions, monthly salary credits, benefits and
loan records, etc.) to the retained SS Number, including the updating of date of coverage, if
necessary.
For members with settled final claim, the SS Number used in the benefit settlement shall
be retained.
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REGISTRATION
What are the documents required for registration and in securing an SS
Number?
A person who will register and secure an SS Number for the first time should accomplish
and submit the Personal Record Form (SSS Form E-1) and present the original or certified
true copy and submit the photocopy of his/her Birth Certificate, issued by the Local Civil
Registrar (LCR) or by the Philippine Statistics Authority (PSA, formerly known as National
Statistics Office/NSO).
In the absence of the Birth Certificate, present the original or certified true copy and
submit the photocopy of any of the following documents:
In the absence of the above ID cards and/or documents, present the original or certified
true copy and submit the photocopies of any two (2) of the following ID cards/documents,
both of which should bear the correct name of the person, and at least one (1) with the correct
date of birth:
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ID Card issued by professional associations recognized by the PRC
Life Insurance Policy
Marriage Contract/Marriage Certificate
National Bureau of Investigation (NBI) Clearance
Overseas Workers Welfare Administration (OWWA) Card
PhilHealth Member’s Data Record/ID Card
Police Clearance
Postal ID Card
School ID Card
Seafarer’s Registration Certificate issued by the Philippine Overseas Employment
Administration (POEA)
Senior Citizen Card
Student Permit issued by the Land Transportation Office (LTO)
Taxpayer’s Identification Number (TIN) Card
Transcript of School Records
Voter’s ID Card/Affidavit/Certificate of Registration with Commission on Elections
(COMELEC)
11
If the additional supporting documents required for reporting the civil status and the
dependent(s)/beneficiary(ies) of the registrant are not submitted at the time of registration,
these data shall be tagged as “No Documents Submitted” in his/her personal record in SSS.
He/She shall be advised to immediately update said data by submitting the required documents
with the duly accomplished Member Data Change Request Form (SSS Form E-4). The
immediate submission of additional supporting documents to the SSS shall facilitate and
expedite the processing of benefit claims.
All ID cards and/or documents with English translation issued by foreign governments
are acceptable.
A prospective EE/SE member who will register and secure an SS Number for the first
time should accomplish the Personal Record Form (SSS Form E-1) and submit this with
the required ID cards/documents and/or additional documents (see list on Pages 10-11).
An SE person with a previously assigned SS Number shall register using the Member
Data Change Request Form (SSS Form E-4).
If the SE member has hired employee/s, he/she should also register as an employer and
secure an ER Number by accomplishing and submitting Employer Registration Form (SSS
Form R-1) and Employment Report (SSS Form R-1A).
For OFW
An OFW, who is not over 60 years old and is registering and securing an SS Number for
the first time, should accomplish the Personal Record Form (SSS Form E-1) and submit
this with the required ID cards and/or documents and additional supporting documents (see list
on Pages 10-11).
However, if applying for membership in the SSS Flexi-Fund Program, he/she will be
required to fill out first the Flexi-Fund Enrollment Form.
12
For NWS and VM
An NWS should accomplish the appropriate portion of the Personal Record Form
(SSS Form E-1) and duly signed by the working spouse, submit this with one (1) Primary or
two (2) Secondary documents (see list on Pages 10-11) together with the Marriage Contract.
The house helper must submit to any one (1) of the agencies the completed PPS-KUR
Form, together with the required ID cards and/or documents and additional documents.
He/She will then be issued three (3) different ID Numbers until such time that a common ID
issuance system is developed or adopted. However, if he/she already has a previous SS Number,
he/she will only be issued PhilHealth and Pag-IBIG Member ID Numbers.
Below are the acceptable ID cards/documents only for House helpers’ registration
under the Kasambahay Unified Registration System.
If the required supporting documents are not available at the time of registration, or if
the registrant is not available to sign the document, the SS Number will still be issued but
13
subject to the following conditions:
1. Membership status of the House helper shall be “Temporary” only.
2. The SS Number issued can only be used for contribution payment and employee
reporting by the HR.
3. Submission of Primary/Secondary documents and/or signature in the PPS-KUR Form is
still required for conversion of membership status to “Permanent” thru the filing of
Member Data Change Request Form (SSS Form E-4).
4. Availment of SSS benefits and loans is only allowed for “Permanent” membership status,
subject to qualifying conditions.
For ERs
Employer registration shall be made through the Employer Registration (SSS Form
R-1), which should be submitted with the Specimen Signature Card (SSS Form L-501),
and the original and photocopy of the required documents (listed below), duly signed by the
authorized signatory.
14
The ER shall then submit the initial Employment Report (SSS Form R-1A) to
report his/her employees, within thirty (30) days upon their hiring. The SSS Form R-1A should
indicate the correct ER Number, the total number of employees reported, and complete
employees’ details such as their respective SS Numbers, birth dates, employment start dates,
monthly compensation, and positions.
For HRs
A. New HRs
The PPS-HEUR1 Form must be duly signed either by the husband, the wife, or the
person who is actually paying the salary of the house helper and is deemed the HR. The HR can
submit to any of the three (3) agencies the completed PPS-HEUR1 Form. The HR will then be
issued three (3) different ER Numbers until such time that a common ID issuance system is
developed or adopted.
B. Existing HRs
Existing HRs – those who were previously issued an SS HR Number but still have no
PhilHealth and Pag-IBIG ER Numbers – may register to SSS using the PPS-HEUR1 Form in
order to be issued their PhilHealth and Pag-IBIG ER Numbers through the Kasambahay
Unified Registration System.
Can one register with SSS online and be immediately issued an SS Number?
15
5. After clicking the “Generate SSS Number” button, the system will display the SS Number
of the registrant and the option to print the Personal Record and SS Number Slip. The
registrant will also receive an e-mail confirmation that indicates his/her SS Number, a
copy of his/her SS Number Slip and other instructions regarding submission of the
required supporting documents to the nearest SSS Branch.
6. The registrant may save and/or print the Personal Record Form, SS Number Slip, as well
as the SSS Number Application Confirmation e-mail body sent by the SS Number
Issuance System.
7. The registrant must then proceed to the nearest SSS Branch and submit the required
documents (see list on Pages 10-11). If married, he/she must bring a copy of Marriage
Contract. If with child/ren, he/she bring a copy of the child/ren's Birth Certificate/s.
8. For NWS, the e-Personal Record must be signed by the working spouse, to signify that
he/she agrees with the SSS membership of the NWS.
Note: Registrant is advised to go to the nearest SSS Branch as soon as possible to submit the
required supporting documents, otherwise, his/her membership status with the SSS
shall remain “Temporary.” This means that the SS Number can only be used for
contribution payments and employee reporting by the ER.
Submission of the required documents will convert the membership status from
“Temporary” to “Permanent.” Availment of SSS loans and benefits (subject to qualifying
conditions) and UMID Card Application (provided applicant has one posted
contribution) is allowed only for “Permanent” membership status.
For HRs, is the reporting of their house helpers also unified among the
three (3) agencies (SSS, PhilHealth and Pag-IBIG)?
At present, only the registration of house helpers and HRs is unified among the
three (3) agencies. Reporting of their house helpers’ coverage and contributions by the HR must
still be done separately in all the agencies, until such time that a unified reporting system is
established.
Thus, for SSS purposes, the HR must submit to any SSS Branch the Employment
Report (SSS Form R-1A) to report newly-hired as well as separated/terminated house
helpers, and the Specimen Signature Form (SSS Form L-501).
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Ownership Type Signatory
Single Proprietorship Owner, or in the absence of the Owner, the legal spouse
Partnership Managing Partner
Corporation President, General Manager, Chairman or Corporate Secretary
Foreign-owned Corporation Designated Philippine Representative as shown in the SEC registration
Cooperative Chairman or Corporate Secretary
Required Documents:
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SSS Form R-1A showing the separation of its employee/s duly received by the SSS
within the first ten (10) days of the month after the applicable quarter
Certification from the Fire Department/concerned unit of the municipality/city, in
case of destruction of corporate facilities due to fire/fortuitous event
Notice of Strike duly received by the DOLE with a Certification that there was no
operation/employees during the strike
Lease Contract/Joint Affidavit of Termination of Lease Contract
Certificate of Non-Renewal of Business License from the Municipal/City Treasurer’s
Office
2. Partnership/Corporation/Cooperative
Certificate of Filing of Articles of Dissolution/Cancellation of Registration issued by the
SEC/ CDA, or in its absence, any two (2) of the following:
Audited Financial Statements and Income Tax Return (ITR) showing non-
operation/no earnings for the applicable period/s filed with the SEC or the BIR
within the prescribed period
Board Resolution approving the termination of business operation adopted within
the prescribed period and duly acknowledged received by regulatory agencies (e.g.
BIR, SEC, etc.)
SSS Form R-1A showing the separation of its employee/s duly received by the SSS
within the first ten (10) days of the month after the applicable quarter
Notification of Business Termination duly received by the SEC or the BIR within the
prescribed period
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For Termination/Dissolution due to Merger/Consolidation of Registration
Certificate of Filing of Articles of Merger issued by the SEC
How can members change the personal data in their membership record?
Changes in member’s data should be reported immediately to the nearest SSS Office by
accomplishing the Member’s Data Change Request Form (SSS Form E-4) and
submitting the original/certified true copy and photocopy of the following:
ID Cards
• Driver’s License
• Firearm License card issued by PNP
• GSIS ID Card
• Health or Medical Card
• ID Card issued by LGUs (e.g. Barangay, Municipality, City)
• OWWA Card
• Pag-IBIG Transaction Card
• PhilHealth ID Card
• Postal ID Card
• PRC Card
• Senior Citizen Card
• TIN Card
• Voter’s ID Card
Documents
• Alien Certificate of Registration
• Baptismal Certificate or its equivalent (of member)
• Birth Certificate/Baptismal Certificate or its equivalent (of child/ren)
• Certificate of Licensure/Qualification Documents from MARINA
• Certificate of Muslim Filipino Tribal Affiliation issued by National Commission on
Muslim Filipinos
• Court Order granting petition for change of name or date of birth
• GSIS Member’s Record/Certificate of Membership
• Life Insurance Policy
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• Marriage Contract/Marriage Certificate
• NBI Clearance
• Pag-IBIG Member’s Data Form
• PhilHealth Member’s Data Record
• Police Clearance
• Seaman’s Book (Seafarer’s Identification and Record Book)
• Student Permit issued by LTO
• Transcript of Records
• Voter’s Affidavit/Certificate of Registration
20
d. Change of civil status – any of the following, whichever is applicable:
g. Updating of Dependents/Beneficiaries
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For deletion of previously reported dependents/beneficiaries
1. If spouse – any of the following, whichever is applicable:
Decree of Legal Separation, if legally separated with previously reported spouse
Death Certificate of spouse, if due to death of previously reported spouse
Certificate of Finality of Annulment/Nullity or annotated Marriage Contract/
Certificate, if due to annulled or void marriage with previously reported spouse
Court Order on Declaration of Presumptive Death, if previously reported spouse
is presumed dead
Decree of Divorce and Certificate of Naturalization (granted before divorce) or its
equivalent, if due to divorce with previously reported spouse
Certificate of Divorce (OCRG Form No. 102), if due to divorce of Muslim member
with previously reported spouse
2. If parent/s
Death Certificate, if previously reported parent/s is/are already dead
Note: The following required documents should be the original or certified true copy
issued by the City or Municipal Civil Registrar or PSA (formerly NSO):
1. Birth Certificate
2. Marriage Contract/Marriage Certificate
3. Death Certificate
2. Household employers are required to register themselves with, and enroll their household
helpers to the SSS, PhilHealth and Pag-IBIG.
3. Report all EEs/house helpers, regardless of status of employment, within thirty (30) days
from the date of employment through the Employment Report (SSS Form R-1A) for
submission to any SSS branch, or online through the SSS website (www.sss.gov.ph). The
employer must have a My.SSS account to submit SS Form R-1A online;
4. Deduct from EEs’/house helpers’ salary the SS contributions corresponding to all actual
monthly compensation in accordance with the Schedule of Contributions and remit, together
with his share and EC contributions, to any SSS branch with tellering facilities or to any
accredited banks, using the Contributions Payment Return Form based on the
following schedules:
22
If 10th digit of the 13-digit Payment Deadline
ER number ends in: (following the applicable month)
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 Last day of the month
If the deadline falls on Saturday, Sunday or a holiday, payment may be made on the next
working day.
5. Issue official receipts and maintain official records of employment and deductions for all
contributions deducted from the EEs’ pay envelopes;
6. Deduct and remit to the SSS all salary, educational, stocks investment or privatization loan
amortization of his EEs through the Member Loan Payment Return Form (SSS Form
ML-1) at any SSS branch or accredited banks based on the prescribed deadline;
7. Submit a summary of all EEs’ loan amortizations thru an accomplished Loans Collection
List (SSS Form ML-2) with copies of the SBRs and the validated Member Loan
Payment Return Form (SSS Form ML-1) on or before the prescribed deadline. ERs
may also use their My.SSS account in submitting the Collection List online.
8. Pay in advance SS and EC sickness benefits due their EEs based on SSS approved sickness
notification, as well as SS maternity benefits due to their qualified female EEs.
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9. File for reimbursement the sickness and maternity benefits legally paid in advance to EEs.
10. Inform SSS of any change in company address, business name, or temporary/permanent
cessation of business operations through the submission of a duly notarized Employer
Data Change Request (SSS Form R-8).
11. Submit annually the updated Specimen Signature Card (SSS Form L-501) of the
authorized signatories for SSS transactions.
12. Certify SSS-related documents for the employees when required for purposes of their claims.
13. Keep EEs/house helpers updated on the changes in SSS policies and benefit programs that
may affect them.
14. Ensure that all SSS forms submitted are properly and accurately accomplished, and that a
file copy of each is retained for record purposes.
1. Secure an SS Number only ONCE – there is no need to secure a new number whenever
changing employers or companies;
2. Ensure that he/she is reported for coverage under the SSS by his/her ER;
3. Pay, thru salary deduction, his/her monthly contributions and loan repayments and ensure
that these contributions and loan repayments are remitted by his/her ER to the SSS on time;
4. Ensure that his/her name is included in the Contribution Collection List (SSS Form
R-3) and/or Loans Collection List (SSS Form ML-2) submitted by the ER to the SSS;
5. Register with the My.SSS portal of the SSS website to easily verify and monitor posting of
his/her contributions and loan repayments reported by his/her ER;
6. Update or correct his/her personal data and records thru the submission of Member Data
Change Request (SSS Form E-4) supported by the required documents;
7. Apply for a UMID card, if with at least one (1) posted monthly contribution, and always use
the said card for SSS transactions; and
What are the duties and responsibilities of SE, VM, OFW and NWS?
1. Secure an SS Number and register as an SE, OFW or NWS. Pay his/her contributions using
the Contributions Payment Return Form in accordance with the prescribed schedule
and deadline.
OFW-members with existing SS Numbers may resume payment of contributions as OFWs
using their existing SS Number.
24
2. Ensure the accurate posting of his/her contributions to facilitate processing of claims for
benefits and loan privileges by indicating his/her correct SS Number, payment details and
“Type of Payor” on the Contributions Payment Return Form. The “Type of Payor”
should correspond to his/her current membership type either as “Self-employed,”
“Voluntary,” “OFW,” or “Non-Working Spouse.”
3. Pay his/her loan repayments on time through the Member Loan Payment Return
Form (SSS Form ML-1) in accordance with the schedule and deadline to avoid penalties
for late payments.
4. Register with the My.SSS portal of the SSS website, if with at least one (1) posted monthly
contribution, to easily verify and monitor posting of his/her contributions and loan
payments.
5. Update his/her personal data and records with the SSS through Member Data Change
Request (SSS Form E-4) supported by the required documents.
6. Apply for a UMID card, if with at least one (1) posted monthly contribution, and always use
the said card for SSS transactions.
Considered as the first line of defense against attempts to defraud the System, the SSS ID
has evolved from a simple computerized print-out on a yellow piece of cardboard, to a plastic
card with security features such the member’s fingerprint and other biometric information
stored in the two-dimensional bar code on the card’s surface. The Unified Multi-purpose
Identification (UMID) card is the third-generation ID card of the SSS, which now uses contact-
less smartchip technology that stores the member’s SSS information and biometric data such as
fingerprints, facial image and signature.
The UMID streamlines the identification systems of SSS, GSIS, PhilHealth and Pag-
IBIG. The SSS issues UMID cards to its members comprising of private sector workers, GSIS to
its members of public sector workers, and PhilHealth to those not covered by either SSS or
GSIS.
The UMID card aims to reduce costs to the public by doing away with multiple ID cards
and redundant databases. The SSS is the lead agency tasked to implement the project because of
its experience in managing a large-scale biometric ID system. The UMID cards are produced in
partnership with the Philippine Postal Corporation (PhilPost), which was tapped by the SSS to
undertake the data capture of card applicants under the UMID System through their data
capture stations that are set up in SSS branches and postal offices nationwide. Mobile data
capture services are also provided at requesting employers’ offices and at remote islands and
barangays for members’ convenience.
The SSS started production of these cards using the facilities of its ID Card Center for
25
centralized validation of card applications, quality control, and packaging or enveloping of the
cards for mailing. A Central Verification System performs the biometric matching to ensure that
members are not issued duplicate cards.
The UMID System uses biometric technology to confirm a person’s identity and prevent
issuance of multiple UMID cards that may be used to defraud SSS. To ensure that only one (1)
UMID card will be issued to an individual, the member’s fingerprints are compared with others
in the database during the centralized biometric data matching process. This is done overnight,
after applications are received at the branches.
Apart from identification purposes, the UMID card can now be used in withdrawing
benefits and loan proceeds from ATMs. Loan releases and benefit payments can now be paid via
deposit to the bank account of the member or beneficiary where the UMID card as an ATM card
is enrolled. The SSS also recently made design upgrades to its UMID card, which is featured on
those issued to members who applied for the card from November 9, 2015 onwards.
Personal infor-
mation are now
engraved to avoid
unauthorized card
reproduction, and the
enhanced color
pattern for the
background is embed-
ded with international
security features. The
member’s photo was
also moved from right
to left in compliance
with international
standards for travel
documents. The back
of the card is plain
white, with just a
silver magnetic stripe.
The logos of the four
(4) agencies were
removed to provide
space for bank information once the card is ready for receiving loan and benefit proceeds. The
card material was also changed to polycarbonate to enhance its durability.
26
In line with UMID implementation of the participating agencies, UMID cards that will be
issued by the GSIS to its members by the end of 2016 will have the same design upgrades.
Members issued cards with the previous UMID design or those with SSS 2-D biometric
ID cards do not need to apply for a new UMID card since these are still accepted at SSS branches
and self-service terminals.
1. Initial Application
A. The card-issuing agency for private sector workers is the SSS, for government sector
workers is the GSIS, and those not covered by SSS and GSIS, particularly the indigents,
is PhilHealth. The current employment of individuals who are both members of GSIS
and SSS shall be the basis of which will be the UMID card-issuing agency.
B. The application of a member with a UMID card issued by GSIS or PhilHealth shall not be
accepted on the basis of the one-card policy of the UMID system.
C. Covered SSS members who qualify for “Initial Enrollment” shall submit their UMID card
applications at the nearest SSS branch, free of charge, subject to the following
conditions:
Member has at least one (1) month contribution and a valid DOC; and
Member has no existing SS ID/UMID card.
D. Death survivorship pensioners who qualify for “Initial Enrollment” shall submit their
UMID applications at the nearest SSS branch, free of charge, provided the survivorship
pensioner has no existing SS ID/UMID card.
E. House helpers without posted contribution/s may qualify for “Initial Enrollment” subject
to the following conditions:
Membership status of the house helper is “Permanent”; and
Member must present the proof of contribution payment (validated
Contribution Payment Return Form) made at the branch tellering facility.
2. Member Information
A. The following information in the UMID Card Application Form and SSS
membership database must be the same:
SS Number
Name (First Name, Middle Name, Last Name)
Date of Birth
Gender/Sex
27
C. All fields in the UMID Card Application Form must be properly completed,
particularly the address, and without erasures and alterations. Always indicate “N/A” or
“Not Applicable,” if the required data is not applicable.
D. At least one (1) contact information detail (such as email address, home landline or
mobile phone number) must be provided by the applicant in order for the SSS to notify
him/her on the status of the card application.
E. For those who wish to enroll their UMID as an ATM card, the applicant must specify the
preferred SSS-accredited bank on the application form.
F. The applicant should indicate his/her permanent address rather than the temporary
mailing address. For example, if he/she has permanent residence in the province but is
working or staying in Metro Manila during weekdays, he/she should indicate the
provincial address instead of the Metro Manila address.
A member who will secure an UMID card for the first time should accomplish and
submit the UMID Card Application Form and present the original or certified true copy of
the below-listed required ID cards and/or documents.
In the absence of the above Primary ID cards and/or documents, any two (2) of the
following Secondary ID cards/documents, both of which should bear the correct name of the
person, and at least one (1) with the correct date of birth:
Postal ID
School or Company ID
TIN Card
Membership Card issued by Private Companies
OWWA Card
Senior Citizen card
Voter’s ID card/Affidavit/Certificate of Registration with COMELEC
Alien Certificate of Registration
ATM card with cardholder’s name; or bank certification if without cardholder’s name
Birth Certificate
Bank Account Passbook
Baptismal Certificate
Credit card
Firearm License Card issued by the PNP
Fishworker’s License issued by BFAR
GSIS Card/Member’s Record/Certificate of Membership
Health or Medical Card
28
Pag-IBIG Member’s Data Form
ID Card issued by LGUs (e.g., Barangay/Municipality/City)
ID Card issued by professional associations recognized by the PRC
Life Insurance Policy
Marriage Contract/Marriage Certificate
NBI Clearance
PhilHealth Member’s Data Record
Police Clearance
Seafarer’s Registration Certificate issued by POEA
Student Permit issued by the LTO
Transcript of School Records
Certificate from National Commission on Indigenous Peoples or Office of Muslim Affairs
Certificate of Licensure/Qualification documents from MARINA
Certificate of Naturalization from BI
Birth/Baptismal Certificate of child/children or its equivalent
A replacement fee of P300 shall be charged for the replacement of the old SSS 2D-
Barcode ID card to the UMID card. The same fee shall apply for the following:
Correction/Change of name (e.g., from maiden name to married name)
Correction of date/place of birth and/or sex
Replacement of lost/damaged card
Change of home address
Change of authenticating finger due to amputation/sickness (e.g., index to middle finger)
Update of member’s photo
Change of old card to new card
Change of specimen signature printed on the card
Meanwhile, no fees will be charged for card replacement due to the following reasons:
A. Erroneous encoding of data in the Personal Record Form (SSS Form E-1) and/or
Member Data Change Form (SSS Form E-4); however, the data in the SSS Form
E-1 or SSS Form E-4 will be compared against the data from the SSS online inquiry
system to check for erroneous encoding.
29
C. For card replacement, pay the required fee at any SSS branch office/accredited
bank/collecting agent. Submit the validated Miscellaneous Payment Form (SSS
Form R-6) or Special Bank Receipt (SBR) with the SSS Form R-6 to the nearest
SSS branch office when submitting the UMID card application.
D. Applicants for a new UMID card under their active SS Number but have a previously-
issued SS ID/UMID card under their inactive/cancelled SS Number shall be required to
undergo ID card replacement procedures.
F. Applicants for card replacement must surrender the old SS ID/UMID card. For lost or
non-received cards, the submission of a duly-notarized affidavit of non-receipt of card,
or notarized affidavit of loss is required.
30
CONTRIBUTIONS
Monthly contributions are based on the compensation of SSS members and payable
under the two (2) programs:
Social Security (SS) – ELEVEN PERCENT (11%) of the monthly salary credit
(MSC) not exceeding P16,000, and paid by both
employer (7.37%) and employee (3.63%), effective
January 1, 2014.
Employees Compensation (EC) – Starting January 1, 2007, TEN PESOS (P10) for
employees with an MSC of P14,500 and below, and
THIRTY PESOS (P30) for employees with an MSC of
P15,000 and up; paid only by the employer.
The MSC means the compensation base for contributions and benefits related to the total
earnings for the month. The maximum covered earnings or compensation, or the maximum
MSC, is P16,000, effective January 1, 2014.
For an employed-member, the MSC is based on the total actual remuneration from
employment, including the mandated cost of living allowance, as well as the cash value of any
remuneration paid in any medium other than cash, except that part of remuneration received
during the month in excess of the maximum MSC as provided under Section 18 of RA 1161 as
amended by RA 8282 (Social Security Act of 1997).
For self-employed and certain voluntary members, the monthly earnings declared at the
time of registration shall be the basis of the MSC. However, the declared earnings should not be
lower than P1,000 per month, except for OFW-members whose minimum MSC is pegged at
P5,000, effective January 1, 2004.
Following is the table showing the compensation range and its corresponding MSC,
effective January 1, 2014. To get the payable SSS contribution amount per month, multiply the
applicable MSC by eleven percent (11%).
31
Range of Compensation MSC Range of Compensation MSC
P 1,000 – P 1,249.99 1,000 P 8,750 – P 9,249.99 9,000
P 1,250 – P 1,749.99 1,500 P 9,250 – P 9,749.99 9,500
P 1,750 – P 2,249.99 2,000 P 9,750 – P 10,249.99 10,000
P 2,250 – P 2,749.99 2,500 P 10,250 – P 10,749.99 10,500
P 2,750 – P 3,249.99 3,000 P 10,750 – P 11,249.99 11,000
P 3,250 – P 3,749.99 3,500 P 11,250 – P 11,749.99 11,500
P 3,750 – P 4,249.99 4,000 P 11,750 – P 12,249.99 12,000
P 4,250 – P 4,749.99 4,500 P 12,250 – P 12,749.99 12,500
P 4,750 – P 5,249.99 5,000 P 12,750 – P 13,249.99 13,000
P 5,250 – P 5,749.99 5,500 P 13,250 – P 13,749.99 13,500
P 5,750 – P 6,249.99 6,000 P 13,750 – P 14,249.99 14,000
P 6,250 – P 6,749.99 6,500 P 14,250 – P 14,749.99 14,500
P 6,750 – P 7,249.99 7,000 P 14,750 – P 15,249.99 15,000
P 7,250 – P 7,749.99 7,500 P 15,250 – P 15,749.99 15,500
P 7,750 – P 8,249.99 8,000 P 15,750 and over 16,000
P 8,250 – P 8,749.99 8,500
What is the basis for determining the initial MSC and monthly
contributions of an SSS member?
The amount of monthly contribution to be paid by members is always based on the latest
Schedule of Contributions issued by the SSS.
1. For SE
2. For VM
32
3. For OFW
a. The monthly earnings declared by an OFW in his/her Personal Record Form at the time
of registration shall be the basis of the initial MSC and the corresponding amount of
monthly contribution, but in no case shall it be lower than the prevailing MSC for OFWs.
b. The OFW is not required to present proof of declared monthly earnings.
4. For NWS
a. Fifty percent (50%) of the working spouse’s declared monthly income shall be the basis
of the NWS’ initial MSC and the corresponding amount of monthly contribution.
b. In case the fifty percent (50%) of the working spouse’s declared monthly income does
not correspond to any MSC in the Contribution Schedule, the immediately higher MSC
shall be the basis.
1. For SE
a. An SE member is allowed to change his/her MSC to an MSC higher or lower than the one
indicated in his/her registration form (Personal Record Form or Member Data Change
Request Form), depending on actual earnings, without having to present proof thereof.
b. An SE member who is below 55 years old is allowed to change his/her MSC without
limit in frequency and in number of salary brackets in a given calendar year. However, in
no case shall it be lower than the prevailing minimum MSC for SE members. Submission
of written request or declaration of earnings is not required.
c. On the other hand, an SE member who is 55 years old and above is allowed to
increase his/her MSC only once in a given calendar year and by one (1) salary bracket
only from the last posted MSC, whether proof of earnings is presented or not.
The only exception to the above case is when the SE member is already contributing at
the maximum MSC and a higher maximum MSC is implemented under a new Schedule
of Contributions. In that case, he/she will be allowed to increase his/her MSC to the new
maximum MSC, provided that his/her last posted MSC corresponds to the maximum
MSC under the immediately preceding Schedule of Contributions.
d. No limit in frequency and amount shall be imposed in case of decrease in MSC, but in no
case shall it be lower than the prevailing minimum MSC.
2. For VM
a. A VM who is below 55 years old is allowed to change his/her MSC without limit in
frequency and in number of salary brackets in a given calendar year, but in no case shall
it be lower than the prevailing minimum MSC. Submission of written request is not
required.
b. A VM who is 55 years old and above, however, is allowed to increase his/her MSC
only once in a given calendar year and by one (1) salary bracket only from the last
posted MSC, except for the following cases whereby certain rules shall apply accordingly:
33
In case of a change in his/her membership type from EE/SE to “VM” for the first
time, he/she shall be allowed to increase his/her MSC without limit; and
In case of a higher maximum MSC under a new applicable Schedule of Contributions,
he/she shall be allowed to increase his/her MSC up to the new maximum MSC,
provided that his/her last posted MSC corresponds to the maximum MSC under the
immediately preceding Schedule of Contributions.
The corresponding MSC of the first contribution in the above cases shall be the basis in
determining compliance with the allowable change in succeeding MSC.
c. No limit in frequency and amount shall be imposed in case of decrease in MSC, but in no
case shall it be lower than the prevailing minimum MSC.
3. For OFW
a. For the initial payment, an OFW is allowed to change his/her MSC to an MSC higher or
lower than the one indicated in his/her Personal Record Form, depending on actual
deployment and realization of earnings abroad, without having to present any proof
thereof, provided that the chosen MSC is not lower than the prevailing minimum MSC
for OFWs. Said contribution shall be deemed as the new declaration of earnings and
shall be made the basis in determining compliance with the allowable change in
succeeding MSC.
b. An OFW who is below 55 years old is allowed to change his/her MSC without limit in
frequency and in number of salary brackets in a given calendar year, but in no case shall
it be lower than the prevailing minimum MSC for OFWs. Submission of written request
or declaration of earnings is no longer required.
c. An OFW who is 55 years old and above is allowed to increase his/her MSC only
once in a given calendar year and by one (1) salary bracket only from the last posted
MSC, regardless of whether proof of earnings is presented or not, except for the
following cases whereby certain rules shall apply accordingly:
In case of a change in his/her membership type from EE/SE/VM/NWS to “OFW-
member” for the first time, he/she is allowed to increase his/her MSC without limit
and without having to present proof of earnings; and
In case of a higher maximum MSC under a new applicable Schedule of Contributions,
he/she is allowed to increase the MSC up to the new maximum MSC, without having
to present proof of earnings, provided that the last posted MSC corresponds to the
maximum MSC under the immediately preceding Schedule of Contributions.
The corresponding MSC of the first contribution in the above cases is the basis in
determining compliance with the allowable change in succeeding MSC.
d. No limit in frequency and amount shall be imposed in case of decrease in MSC, but in no
case shall it be lower than the prevailing minimum MSC.
4. For NWS
a. A NWS member is allowed to change his/her MSC based on fifty percent (50%) of the
working spouse’s declared monthly income, without having to present any proof thereof.
34
What are the different channels for paying SSS contributions?
35
How should the member pay the monthly contributions?
1. For EEs, including household helpers whose monthly salary is P5,000 and above –
through monthly salary deduction, starting on the first month of employment.
3. For VM and NWS – monthly or quarterly, upon approval of membership (for NWS) and
based on the payment deadline.
4. For OFW members – Anytime during the applicable year, using the Contributions
Payment Return Form for over-the-counter payment at SSS branches or at local SSS-
accredited banks, or using the payment detail/transaction form of e-payment collection
partners at their e-payment facilities, local or overseas. They may also enroll their bank
account with participating local SSS-accredited banks for ADA for their contributions, or
pay through the internet through Bancnet Online or Ventaja’s PayPilipinas facility.
For instance, if the ER/HR ID Number is 03-1234567-8-012, the payment deadline for
both contributions and member loans for the applicable month of June shall be on July 25. The
frequency of payment shall remain on a monthly basis for regular ERs and HRs.
36
For SE and VM except OFW-members:
For example: if the SS Number is 01-2345678-9, the payment deadline for both
contribution and member loans for the applicable month of June or quarter ending June, in case
of quarterly payments from SE and VM, is July 31.
For OFWs:
Note:
In case the payment deadline falls on a Saturday, Sunday or a holiday, payment may be
made on the next working day. Otherwise, penalties shall be imposed on late contribution and
member loan payments of ERs and late member loan payments of SE and VM; while late
contribution payments of SE and VM shall be applied prospectively.
Yes. SE and VM, including NWS and OFWs, can pay their contributions in advance,
regardless of number of months or years. However, in case of changes in the SSS contribution
rate or MSC that are approved and implemented in the interim period, those who paid in
advance may incur underpayments or out-of-level/ineffective payments. To ensure that their
contributions are retained at their intended MSC level, affected members must settle the
underpayment; otherwise, their contributions would be posted at the applicable lower MSC
level.
Advanced payments are only considered for the computation of loans and benefits when
the month corresponding to the payment has transpired.
37
What happens to contributions that are paid late?
Late contribution payments are applied prospectively; thus, missed months shall remain
as payment gaps since retroactive payments are not allowed.
When and how should ERs report contribution payments to the SSS?
1. All ERs (except HRs) regardless of their number of EEs, shall submit their electronic-format
Collection Contribution List (e-R3) through any electronic storage media (USB flash
drive or compact disc). They may also submit their e-R3 online thru their My.SSS account in
the SSS website.
Printed hardcopy or paper-based SSS Form R-3 shall no longer be accepted from ERs.
2. For HRs, they may submit their contribution collection list either through electronic format
or hardcopy/paper-based.
3. Submission of Collection Contribution List (SSS Form R-3) is quarterly, on or before
the 10th day of the month after the applicable quarter ending March, June, September and
December.
CONTRIBUTION SCHEDULE
Effective January 2014
38
BENEFITS
Covered employed members are entitled to a package of benefits under the SS and EC
Programs in the event of sickness, maternity, disability, old age, and death. Self-employed and
voluntary members also get the same benefits as covered employed members, except for the
benefits under the EC program. Basically, the SSS provides for a partial replacement of
income lost on account of the aforementioned contingencies.
SICKNESS
What is the Sickness Benefit?
The sickness benefit is a daily cash allowance paid for the number of days a member is
unable to work due to sickness or injury.
The amount of sickness benefit per day is equivalent to ninety percent (90%) of the
member’s average daily salary credit (ADSC).
39
3. Identify the six (6) highest MSCs within the 12-month period.
Monthly salary credit (MSC) means the compensation base for contributions and
benefits related to the total earnings for the month. The maximum covered earnings or
compensation is P16,000, effective January 1, 2014. Please refer to the following table:
4. Add the six (6) highest MSCs to get the total MSC.
5. Divide the total MSC by 180 days to get the ADSC.
6. Multiply the ADSC by ninety percent (90%) to get the daily sickness allowance.
7. Multiply the daily sickness allowance by the approved number of days to arrive at the
amount of benefit due.
For example, an SSS member got sick or was injured in October 2015 for 20 days:
a) The semester of sickness would be from July 2015 to December 2015.
b) The 12-month period would be from July 2014 to June 2015, within which the six (6)
highest MSC will be chosen.
c) Let us assume that the six (6) highest MSC are P15,000 each. The total MSC would
then be P90,000 (P15,000 x 6).
d) Divide the total MSC by 180 to get the ADSC, or P500 (P90,000 ÷ 180).
e) The daily sickness allowance is 90 percent (90%) of the ADSC (P500 x 90%), or
P450.
40
f) Multiply the daily sickness allowance by the number of sick days (P450 x 20 days),
resulting in a sickness benefit due of P9,000.
How many days in a year can a member avail of the sickness benefit?
A member can be granted sickness benefit for a maximum of 120 days in one (1) calendar
year. Any unused portion of the allowable 120 days sickness benefit cannot be carried forward
nor added to the total number of allowed compensable days for the following year.
The sickness benefit shall be paid for not more than 240 days on account of the same
illness. If the sickness or injury still persists after 240 days, the claim will be considered a
disability claim.
An EE should notify the ER within five (5) calendar days after the start of sickness or
injury. The ER, in turn, must notify the SSS of the confinement within (5) calendar days after
receipt of the notification from the EE.
Notification to the ER shall be made within one (1) year from start of confinement if the
member’s confinement is in a hospital. If the member got sick or was injured while working or
while he/she was within the company premises, sickness notification shall be made within ten
(10) days from the start of confinement. In this case, the ER must notify the SSS within ten (10)
calendar days from the start of the EE’s sickness or injury while he/she was working or while
within the company premises.
Members separated from employment, SE, or VM should notify the SSS directly within
five (5) calendar days after the start of confinement, unless such confinement is in a hospital, in
which case, notification should be made within one (1) year from start of confinement.
1. If the EE notifies the ER, or the SSS (in the case of a member separated from employment,
SE or VM), beyond the prescribed five-day period, the confinement shall be deemed to have
started not earlier than the fifth day immediately preceding the date of notification.
For example:
a) Member is employed. Home confinement period was from March 1 to 31, 2014 (31 days).
Notifications made:
EE to ER – March 8, 2014 (must be within March 2 to 6)
ER to SSS – March 13, 2014 (must be within March 9 to 13)
Compensable period: March 3 to March 31, 2014 only (29 days)
41
b) SE/VM/Member separated from employment. Home confinement period was from
March 1 to March 31, 2014 (31 days).
Notifications made:
Member to SSS – March 8, 2014 (must be within March 2 to 6)
Compensable period: March 3 to 31, 2014 only (29 days)
2. If the ER notifies the SSS beyond five (5) calendar days after receipt of the notification from
the EE, the ER shall be reimbursed only for each day of confinement starting from the 10th
calendar day immediately preceding the date of notification to SSS.
For example:
Member is employed. Home confinement period was from March 1 to 31, 2014 (31 days).
Notifications made:
EE to ER – March 5, 2014 (must be within March 2 to 6)
ER to SSS – March 15, 2014 (must be within March 7 to 11)
Compensable period: March 5 to March 31, 2014 only (31 days applied by ER will be
reduced to only 27 days for the ER’s reimbursement)
3. If the EE has given the required notification to the ER, but the latter fails to notify the SSS of
the confinement within the prescribed period resulting in the reduction of the benefit or
denial of the claim, the ER shall have no right to recover the daily sickness allowance
advanced to the EE.
The payment of the daily sickness allowance is advanced by the ER every regular payday.
The SSS will then reimburse the ER of the amount legally advanced upon receipt of satisfactory
proof of such payment and legality thereof.
For this purpose, all ERs are required to enroll in the “Sickness and Maternity
Benefits Payment thru-the-Bank Program” (SMB-PTB), wherein SSS reimbursements
will be deposited directly to the existing savings/current account of the ER in an SSS-accredited
bank. The Payment Advice containing the payment details of the Sickness-Maternity
reimbursement will be sent to the ER thru his/her My.SSS account in the SSS website.
The SSS will reimburse the ER only for confinements within the one-year period
immediately preceding the date the claim for benefit or reimbursement is received by the SSS,
except for confinements in hospital.
For example, the SSS received the ER’s reimbursement claim on October 3, 2015 for the
EE’s sickness period of September 23 to October 14, 2014. The ER will be reimbursed for the
period October 3 to 14, 2014 only, as September. 23 to October 2, 2014 already falls outside the
prescribed one-year period for reimbursement claim.
42
How about the member separated from employment, the SE or VM?
The sickness benefit will be paid directly by the SSS to the member separated from
employment, SE and VM through their single savings/current/cash card/prepaid account in
SSS-accredited banks under the SMB-PTB.
For this purpose, the member, whose approved benefit amount is more than P1,000 and
whose address is within thirty (30) kilometers to the nearest SSS-accredited bank, is required to
open a single savings or current account, or to use his/her existing one with an SSS-accredited
bank, to which the benefit payment will be remitted.
If the member does not have an existing bank account, the SSS shall issue a Letter of
Introduction (LOI) form that must be presented to the SSS-accredited bank chosen by the
member for the purposes of opening a single savings account or cash card account.
The member shall then be notified by SSS via e-mail or text of their benefit payment.
For hospital confinement, the claim for benefit must be filed within one (1) year from the
date of discharge. For home confinement, the sickness benefit claim must be filed within one (1)
year from the start of illness. Failure to file the claim within the prescribed period will result in
the reduction of the benefit or the denial of the claim.
What forms and documents are needed in filing for sickness benefit?
In case of work-related claims, all the above-listed documents, plus the following:
a) Accident/Sickness Report from ER, if work-connected; and
b) Police Report (for vehicular accident with third party involvement), if work-related;
and
c) Photocopy of ER’s logbook
43
a) Certificate of Notice of Strike issued by DOLE
b) Certificate of Foreclosure
c) Certification from the DOLE that the employee or employer has a pending labor case
d) Certificate of Non-advancement of Payment from Employer
Note:
- A Medical Specialist shall determine other required medical documents based on a
separate checklist.
- For sickness or injury acquired abroad, documents issued by the foreign country
should be in English translation and must be authenticated by the Philippine
Embassy or Consulate Office, or duly notarized by a notary public from the host
country.
In case of work-related claims, all the above-listed documents, plus the following:
a) Accident/Sickness Report from ER, if work-connected; and
b) Police Report (for vehicular accident with third party involvement), if work-related;
and
c) Photocopy of ER’s logbook
Note:
- A Medical Specialist shall determine other required medical documents based on a
separate checklist.
- For sickness or injury acquired abroad, documents issued by the foreign country should
be in English translation and must be authenticated by the Philippine Embassy or
Consulate Office, or duly notarized by a notary public from the host country.
44
In filing for Sickness Benefit Reimbursement Application (For Employed
Members)
A. Primary ID Cards/Documents
SS card
UMID card
Passport
PRC card
Seaman’s Book (Seafarer’s Identification & Record Book)
B. Secondary ID Cards/Documents
Alien Certificate of Registration
ATM card (with cardholder’s name)
Bank Account Passbook
Company or School ID card
Certificate of Confirmation issued by National Commission on Indigenous People
Certificate of Licensure/Qualification Documents from MARINA
Certificate of Naturalization
Credit Card
Court Order granting petition for change of name or date of birth
Driver’s License
Firearm License card issued by PNP
Fishworker’s License card issued by BFAR
GSIS card/Member’s Record/Certificate of Membership
Health or Medical card
ID card issued by LGUs (e.g. Barangay/Municipality/City)
ID card issued by professional association recognized by PRC
Life Insurance Policy of member
Marriage Contract/Marriage Certificate
NBI Clearance
OWWA card
Pag-IBIG Transaction Card/Member’s Data Form
PhilHealth ID card/Member’s Data Record
Police Clearance
Postal ID card
Seafarer’s Registration Certificate issued by POEA
Senior Citizen card
Student Permit issued by LTO
TIN card
Transcript of Records
Voter’s Identification card or Voter’s Affidavit / Certificate of Registration
45
1. If filed by ER or HR
Present the original of any one (1) of the ER’s/HR’s primary ID cards/documents or
two (2) secondary ID cards/documents, both with signature and at least one (1) with photo (as
listed in Page 45).
3. If filed by ER Representative
LOA issued by the ER’s authorized signatory as reflected in the SS Form L-501
Original company ID of ER representative.
Note: If member is entitled to SS and EC Sickness Benefit, fill out Part IIB of the SBRA
for the computation of both benefits.
46
- Certificate of separation from employment with effective date of separation and that
no advance payment was granted (signed by the ER’s authorized signatory reflected
in SS Form L-501)
If company is on strike
- Notice of strike duly acknowledged by the DOLE; and
- Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
If separated from employment due to Absence without Leave (AWOL) or with strained
relations with the ER
Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
Where can the member file the claim for sickness benefit?
47
MATERNITY
MATERNITY BENEFIT
What is the Maternity Benefit?
The maternity benefit is a daily cash allowance granted to a female member who was
unable to work due to childbirth or miscarriage.
1. She has paid at least three (3) monthly contributions within the 12-month period
immediately preceding the semester of her childbirth or miscarriage.
2. She has given the required notification of her pregnancy through her ER if employed, or
directly to the SSS, if a SE or VM or Member Separated from Employment.
Yes. An SE or VM is entitled to the maternity benefit provided that she meets the
qualifying conditions.
The maternity benefit is equivalent to 100 percent of the member’s average daily salary
credit (ADSC) multiplied by 60 days for normal delivery/miscarriage/ectopic pregnancy without
operation/hydatidiform mole (H-mole) and 78 days for caesarean section delivery/ectopic
pregnancy with operation.
48
Range of Compensation MSC Range of Compensation MSC
P 1,000 – P 1,249.99 1,000 P 8,750 – P 9,249.99 9,000
P 1,250 – P 1,749.99 1,500 P 9,250 – P 9,749.99 9,500
P 1,750 – P 2,249.99 2,000 P 9,750 – P 10,249.99 10,000
P 2,250 – P 2,749.99 2,500 P 10,250 – P 10,749.99 10,500
P 2,750 – P 3,249.99 3,000 P 10,750 – P 11,249.99 11,000
P 3,250 – P 3,749.99 3,500 P 11,250 – P 11,749.99 11,500
P 3,750 – P 4,249.99 4,000 P 11,750 – P 12,249.99 12,000
P 4,250 – P 4,749.99 4,500 P 12,250 – P 12,749.99 12,500
P 4,750 – P 5,249.99 5,000 P 12,750 – P 13,249.99 13,000
P 5,250 – P 5,749.99 5,500 P 13,250 – P 13,749.99 13,500
P 5,750 – P 6,249.99 6,000 P 13,750 – P 14,249.99 14,000
P 6,250 – P 6,749.99 6,500 P 14,250 – P 14,749.99 14,500
P 6,750 – P 7,249.99 7,000 P 14,750 – P 15,249.99 15,000
P 7,250 – P 7,749.99 7,500 P 15,250 – P 15,749.99 15,500
P 7,750 – P 8,249.99 8,000 P 15,750 and over 16,000
P 8,250 – P 8,749.99 8,500
4. Add the six (6) highest MSC to get the total MSC.
5. Divide the total MSC by 180 days to get the ADSC. This is equivalent to the daily
maternity allowance.
6. Multiply the daily maternity allowance either by 60 or 78 days, as the case may be, to get
the total amount of maternity benefit.
49
How many deliveries are covered under existing laws?
The maternity benefit shall be paid only for the first four (4) deliveries or
miscarriages.
Can a member apply for sickness benefit if she has been paid the maternity
benefit?
No. A female member cannot claim for sickness benefit for a period of 60 or 78 days, as
the case may be, within which she has been paid the maternity benefit. As a rule, no member can
be entitled to two (2) benefits for the same period.
Yes. As soon as a member’s pregnancy is confirmed, she must immediately notify her ER
(if employed) or the SSS directly (if separated from employment/SE/VM) of the pregnancy and
the probable date of her childbirth at least 60 days from the date of conception. She must
accomplish Maternity Notification (MN) Form.
The ER must, in turn, notify the SSS through the submission of the Maternity
Notification Form immediately after the receipt from the employee. Maternity Notifications may
now also be submitted online thru the ER’s account at the SSS website.
If the member gives birth or suffers miscarriage but the contributions were not remitted
by the ER, the benefits that the member would have been entitled to shall be paid by the ER.
For employed members. The benefit is advanced in full by the ER to the qualified
female employee within 30 days from date of filing of the maternity leave application. The SSS,
in turn, shall immediately reimburse the ER 100 percent of the amount of maternity benefit
advanced to the female employee upon receipt of satisfactory proof of such payment and legality
thereof.
For this purpose, all ERs are required to enroll in the “Sickness and Maternity
Benefits Payment thru-the-Bank Program” (SMB-PTB), wherein SSS reimbursements
will be deposited directly to the existing savings/current account of the ER in an SSS-accredited
bank. The Payment Advice containing the payment details of the Sickness-Maternity
reimbursement will be sent to the ER thru his/her My.SSS account in the SSS website.
For this purpose, the member, whose approved benefit amount is more than P1,000 and
whose address is within thirty (30) kilometers to the nearest SSS-accredited bank, is required to
open a single savings or current account with an SSS-accredited bank, or to use his/her existing
one with an SSS-accredited bank, to which the benefit payment will be remitted.
50
If the member does not have an existing bank account, the SSS shall issue a Letter of
Introduction (LOI) form that must be presented to the SSS-accredited bank chosen by the
member for the purposes of opening a single savings account or cash card account.
The member shall then be notified by SSS via e-mail or text of their benefit payment.
What are the forms and documents needed in filing for maternity benefit?
If filed over-the-counter:
1. Maternity Notification (MN) Form; and
2. SS card or two (2) valid IDs both with signature and at least one (1) with photo
51
For Complete Miscarriage
Obstetrical History indicating the number of pregnancy/ies, duly certified by attending
physician with his/her Professional Medical License number with printed name and
signature; and
Any of the following:
Pregnancy test before and after miscarriage
Ultrasound report indicating proof of pregnancy
Medical Certificate issued by attending physician on the circumstances of pregnancy
Note:
The Medical Specialist may require other documents necessary for the evaluation of the
claim (for miscarriage/ectopic/H-Mole cases)
For deliveries/miscarriages that happened abroad, documents issued by foreign country
should be with English translation and duly authenticated by the Philippine
Embassy/Consulate Office or duly notarized by notary public in host country.
52
4. Member or Filer’s SS card or other valid ID cards/documents listed below:
A. Primary ID Cards/Documents
SS card
UMID card
Passport
PRC card
Seaman’s Book (Seafarer’s Identification & Record Book)
B. Secondary ID Cards/Documents
Alien Certificate of Registration
ATM card (with cardholder’s name)
Bank Account Passbook
Company ID card
Certificate of Confirmation issued by National Commission on Indigenous People
Certificate of Licensure/Qualification Documents from MARINA
Certificate of Naturalization
Credit card
Court Order granting petition for change of name or date of birth
Driver’s License
Firearm License card issued by PNP
Fishworker’s License card issued by BFAR
GSIS card/Member’s Record/Certificate of Membership
Health or Medical card
ID card issued by LGUs (e.g. Barangay/Municipality/City)
ID card issued by professional association recognized by PRC
Life Insurance Policy of member
Marriage Contract/Marriage Certificate
NBI Clearance
OWWA card
Pag-IBIG Transaction Card/Member’s Data Form
PhilHealth ID card/Member’s Data Record
Police Clearance
Postal ID card
School ID card
Seafarer’s Registration Certificate issued by POEA
Senior Citizen card
Student Permit issued by LTO
TIN card
Transcript of Records
Voter’s Identification card or Voter’s Affidavit / Certificate of Registration
1. If filed by ER (Business/Household)
Present the original of any one (1) of the ER’s primary ID cards/documents or two (2)
secondary ID cards/documents, both with signature and at least one (1) with photo (as listed
above).
53
2. If filed by Company Representative
Present the ACR Card, or if without ACR Card (not available at the time of filing) present
the following:
Letter of Authorization (LOA) issued by ER’s authorized signatory reflected in the
Employer Specimen Signature Card (SS Form L-501); and
Original company ID of company representative.
3. If filed by ER Representative
LOA issued by ER’s authorized signatory reflected in the SS Form L-501
Original company ID of employer representative.
54
For Complete Miscarriage
Obstetrical History indicating the number of pregnancy/ies, duly certified by attending
physician with his/her Professional Medical License number with printed name and
signature; and
Any of the following:
Pregnancy test before and after miscarriage
Ultrasound report indicating proof of pregnancy
Medical Certificate issued by attending physician on the circumstances of pregnancy
Note:
The Medical Specialist may require other documents necessary for the evaluation of
the claim (for miscarriage/ectopic/H-Mole cases)
For deliveries/miscarriages that happened abroad, documents issued by foreign
country should be with English translation and duly authenticated by the Philippine
Embassy/Consulate Office or duly notarized by notary public in host country.
6. Present the original/certified true copy and submit the photocopy of the following additional
documents, whichever is applicable:
55
For SE and VM (previously employed)
If delivery/miscarriage/procedure is within employment period or within six (6) months
from date of separation
Certificate of separation from employment indicating effective date of separation and
that no advance payment was granted (signed by ER’s authorized signatory as reflected
in SS Form L-501)
If company is on strike
- Notice of strike duly acknowledged by the DOLE; and
- Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
If separated from employment due to AWOL or with strained relations with the ER
- Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
MBRA (for Employed) and MBA (for SE/VM/Member Separated from Employment) can
be filed in any SSS branch that is most convenient to the ER or member.
56
DISABILITY
Still adopting the World Health Organization’s (WHO) definition of disability as any
“restriction or lack (resulting from impairment) of ability to perform an activity in the manner
or within the range considered normal for a human being,” the SSS redesigned the granting of
disability benefit to its members. The aim is to improve the delivery of services without
compromising the need to ensure that the appropriate disability benefit is paid to deserving
members.
1. Use of the new Manual on Medical Benefits (Disability, Sickness and Maternity), which is a
compilation of the three (3) medical benefits granted by SSS to its members. It adopts the
International Classification of Diseases and Related Health Problem codes (ICD-10) and
includes the most recent medical management of illnesses/injuries and their corresponding
ratings. It has been validated internationally and locally by the different Medical societies.
2. The evaluation guidelines of illnesses/injuries also consider the current physical state of the
member, thus, allowing several claims to be evaluated first based on supporting documents.
A member who suffers partial or total permanent disability, with at least one (1) monthly
contribution paid to the SSS prior to the semester of contingency, is qualified.
A complete and permanent loss or use of any of the following body parts:
one thumb one big toe one index finger
one hand one middle finger one arm
one ring finger one foot one little finger
one leg hearing of one ear one ear
hearing of both ears both ears sight of one eye
57
4. brain injury resulting to incurable imbecility or insanity; and
5. such cases as determined and approved by the SSS.
1. Monthly pension – a cash benefit paid to a disabled member who has paid at least 36
monthly contributions to the SSS prior to the semester of disability.
2. Lump sum amount – granted to those who have not met the required 36 monthly
contributions. If the approved disability period is payable for less than twelve (12) months, it
is also given in lump sum.
The amount of monthly pension will be based on the member’s number of paid
contributions and the years of membership prior to the semester of contingency. The minimum
monthly pension is P1,000 for members with less than ten (10) credited years of service (CYS);
P1,200 with at least ten (10) CYS and P2,400 with at least twenty (20) CYS.
The member who suffers from permanent total disability shall receive monthly pension
for life. However, the pension shall be suspended if the member recovers from the permanent
total disability, or resumes employment, or fails to report for the annual physical examination
upon notice by SSS. If the pensioner is unable to report for medical examination due to the
disability, then domiciliary service by an SSS physician may be requested at any branch office.
The member who suffers from permanent partial disability shall receive a monthly
pension based on the equivalent number of months of the degree of disability. If the member’s
condition due to same illness/injury deteriorates, resulting in progression of his/her disabling
manifestations, he/she is entitled to claim additional disability benefit. This is calculated based
on the remaining percentage of disability after deducting from the percentage of disability in the
current claim, the percentage of disability granted in the previous claim.
The monthly pension is paid thru the bank account that the member chose under the
“SSS Pensioner’s Remittance thru Bank” Program. This became mandatory effective September
1, 1993.
A member must open a single savings account (or use an existing one, if any) and submit
to SSS a photocopy of any of the following: a) the savings account passbook; b) the ATM card
bearing the member’s name and account number; c) a validated initial deposit slip; or d) Visa
Cash Card Enrollment Form, upon filing of benefit application. The original passbook/ATM card
must be presented for authentication purposes.
58
For members without an existing single savings account, the SSS shall issue an LOI form
to be presented to his/her chosen SSS-accredited bank for the purpose of opening a single
savings account.
Upon approval of the claim, the SSS will mail a notice-voucher to the member with the
information when to withdraw the benefit from the bank.
There are two (2) basic formulas for calculating the lump sum amount.
For permanent total disability, the lump sum benefit is equivalent to the monthly
pension multiplied by the number of monthly contributions paid to the SSS, or twelve (12) times
the monthly pension. Whichever result is higher of the two will be the member’s lump sum
benefit.
For permanent partial disability, the lump sum is equivalent to the monthly pension
multiplied by the number of monthly contributions, multiplied by the percentage of disability in
relation to the whole body; or the monthly pension twelve (12) times the percentage of disability,
whichever is higher.
For example, the Member’s degree of disability is determined to be twenty percent (20%)
and the number of contributions paid by the Member is equivalent to 24 months only:
a. P1,000 (monthly pension) x 24 (monthly contributions) x 20% (percentage of disability)
= P4,800; or
b. P1,000 (monthly pension) x 12 x 20% (percentage of disability) = P2,400
The lump sum benefit to be given to the Member would be P4,800, which is the higher
amount based on the two (2) computations.
Upon approval of the claim, the SSS will mail a notice voucher to the member informing
him/her when to withdraw the benefit from the bank.
Effective May 2016, the member may opt to receive the lump sum benefits for SS and EC
Disability, SS Death and Retirement directly through his/her bank account, instead of receiving
the check through the mail. The Payment thru-the-Bank Program shall become mandatory upon
implementation of the Benefits Workflow System.
The member will be asked to open a single savings account (or use an existing one, if
any) and submit to SSS a photocopy of any of the following: a) the savings account passbook;
b) the ATM card bearing the member’s name and account number; c) a validated initial deposit
slip; d) bank statement or certification; or e) Visa Cash Card Enrollment Form, upon filing of
benefit application. The original passbook/ATM card must be presented for authentication
purposes.
59
For members without an existing single savings account, the SSS shall issue an LOI form
to be presented to his/her chosen SSS-accredited bank for the purpose of opening a single
savings account.
Upon approval of the claim, the SSS will mail a notice voucher to the member informing
him/her when to withdraw the benefit from the bank.
Aside from disability benefit, what else can a disability pensioner receive?
A total disability pensioner is also entitled to a 13th month pension payable every
December. For a partial disability pensioner, 13th month pension shall be paid provided that the
pension duration is at least twelve (12) months.
Total disability pensioners and their legal dependents prior to the effectivity of RA 7875
on March 4, 1995 are entitled to the hospitalization benefits under PhilHealth. A copy of Death-
Disability-Retirement (DDR) print-out indicating the type of claim is disability in nature and the
effectivity date of pension or a Copy of Disability Pensioner Certification, must be submitted.
Total disability pensioners upon the effectivity of RA 7875 on March 4, 1995 and
thereafter, are no longer covered except when they have accumulated 120 Medicare monthly
contributions and have reached age 60. They need to register with PhilHealth for the issuance of
their PhilHealth ID card for Non-Paying Members. Those who wish to avail of PhilHealth
benefits may enroll in the Individually-Paying Program (for SE/VM) or the Sponsored Program
of PhilHealth.
Only five (5) minor children, beginning from the youngest, are entitled to the
dependent’s pension. No substitution is allowed. Where there are legitimate and illegitimate
minor children, the legitimate, legitimated or legally adopted ones will be preferred.
Dependents of a partially disabled pensioner are not entitled to the dependent’s pension.
For how long will the dependent child receive the pension?
The dependent’s pension ends when the child reaches 21 years of age, gets married, gets
employed, or dies. However, the dependent’s pension may be granted for life to children who are
over 21 years old, provided that they are incapacitated and incapable of self-support due to
physical or mental disability which is congenital in nature or acquired during minority.
60
What will happen to the monthly pension in case the pensioner gets re-
employed, resumes self-employment, recovers from permanent total
disability, or fails to appear for examination upon notice by SSS?
The monthly pension of the member and the dependent’s pension will be suspended
upon the re-employment or resumption of self-employment or the recovery of the disabled
member from permanent total disability or failure to present himself/herself for examination at
least once a year upon notice by SSS.
Upon the death of a permanent total disability pensioner, the primary beneficiaries as of
the date of disability, shall be entitled to 100 percent of the monthly pension, and the
dependents to the dependent’s pension, excluding the supplemental allowance.
If the totally disabled pensioner has no primary beneficiaries and dies within 60 months
from the start of the monthly pension, the secondary beneficiaries shall be entitled to a lump
sum benefit equivalent to the total monthly pensions corresponding to the balance of the five-
year guaranteed period, excluding the supplemental allowance.
In the case of a partial disability pensioner, his monthly pension is limited only to a
certain number of months according to the degree of his disability, or will stop when he retires
or dies.
What are the forms and documents needed in filing for the disability
benefit?
Basic Documents
B. Or in the absence of the above valid primary IDs, any two (2) of the following valid
Secondary IDs (original) both with signature and at least one (1) with photo:
Driver’s License
Postal ID card
61
Company ID card
School ID card
TIN card
PhilHealth ID card
OWWA card
Senior Citizen card
Voter’s Identification card or Voter’s Affidavit / Certificate of Registration
Credit card (with name and signature)
Firearm License card issued by PNP
Fish Worker’s License Card issued by BFAR
GSIS card/Member’s Record/Certificate of Membership
Health or Medical card
ID card issued by LGUs (e.g. Barangay/Municipality/City)
ID card issued by professional association recognized by PRC
C. Or in the absence of a valid primary ID, any one (1) of the above valid secondary IDs
(original) with signature and photo, and at least one (1) of the following Secondary
Documents:
Alien Certificate of Registration
Certificate issued by National Commission on Indigenous Peoples
Certificate of Licensure/Qualification Document from MARINA
Certificate issued by National Commission on Muslim Filipinos
Certificate of Naturalization from BI
Marriage Contract/Marriage Certificate
NBI Clearance
Pag-IBIG Member’s Data Form
Police Clearance
Seafarer’s Registration Certificate issued by POEA
Student Permit issued by LTO
62
ILLNESS WHEN TO FILE DOCUMENTS NEEDED
Cerebrovascular Four (4) months after Certified true copy of any of the following:
Attack (Stroke) onset Record of Consultation, or
Hospital Abstract/Discharge Summary, or
Record of Operation (if operated), or
Recent CT Scan/MRI Result
PTB, Minimal Two (2) years after Recent and old Chest X-ray with official result
onset taken at least two (2) years prior
PTB, Moderate Six (6) months after Recent and old Chest X-ray with official result
onset taken at least six (6) months prior
PTB, Far Advanced Recent Chest X-ray with official result
Pulmonary Diseases Pulmonary Function Test result taken within
(COPD) the last six (6) months, and/or
Recent Chest X-ray plate with result (if any)
Mental Illness Two (2) years after Recent and complete Psychiatric Evaluation
onset Report, and
Certified true copy of Hospital
Abstract/Discharge Summary (if confined)
Diabetes Mellitus Two (2) years after Recent and serial FBS results taken during the
onset last two (2) years, and
Recent ECG tracing with result (if any)
Removal of Organ Certified true copy of:
Hospital Abstract/Discharge Summary, or
Record of Operation, and
Histopath result
Malignancy (Cancer) Certified true copy of:
Hospital Abstract/Discharge Summary, or
Record of Operation (if operated), and
Histopath result, or
CT Scan/MRI Result (if any)
Kidney Diseases Certified true copy of:
Hospital Abstract (if confined), and/or
Laboratory results, or
Certificate of dialysis treatment (if any)
Hearing Loss Certified true copy of Audiogram result taken
within the last six (6) months
Cataract Operation Four (4) months after Certified true copy of:
operation Record of Operation, and
Recent visual acuity issued by ophthalmologist
Note:
1. A member who is unable to file the disability claim application personally due to the
following conditions should submit the required documents either through his/her
representative or through mail to the nearest SSS branch:
Member is either wheelchair-borne, in respiratory distress, with IV fluid or other
debilitating conditions; or
63
Member is confined in an institution such as hospital, correctional institution,
penitentiary, rehabilitation center; or
Member is residing abroad.
2. An SSS Medical Specialist shall decide if additional medical records or documents will be
required.
Application for disability benefit can be filed at any SSS branch. In cases where the SSS
Medical Specialist is not available due to unforeseen events, the Senior Clerk/Junior Nurse will
receive and screen the data, for further verification by the Medical Specialist when he/she
becomes available.
64
RETIREMENT
D
The retirement benefit is a cash benefit paid either in monthly pension or as lump sum to
a member who can no longer work due to old age.
1. Monthly pension – a lifetime cash benefit paid to a retiree on a regular monthly basis.
2. Lump sum amount – one-time payment granted to a retiree. The amount is equal to the
total contributions paid by the member and/or by his/her ERs, including interest earned.
1. Member must have paid at least 120 monthly contributions prior to the semester of
retirement and is any of the following, whichever is applicable:
a) at least 60 years old and separated from employment or has ceased to be an SE/
OFW/Household Helper (optional retirement);
b) at least 65 years old whether still employed/SE, working as OFW/Household Helper or
not (technical retirement);
c) at least 55 years old and separated from employment or has ceased to be an SE, if an
“underground mineworker” (optional retirement);
d) at least 60 years old whether still employed/SE or not, if an “underground mineworker”
(technical retirement); or
e) a total disability pensioner who has recovered from disability and is at least 60 years old
(or at least 55 years old, if an underground mineworker).
3. A member who is 60 years old and above, but not yet 65, with 120 contributions or more
may continue paying as VM up to 65 years old to avail of the higher amount of benefit.
What are the other terms and conditions for retirement of Underground
Mineworkers?
65
miners, bull-gang workers, etc. and any other person working underground regardless of
positions such as geologist, security guards, mechanics or sampler.
An Underground Mineworker must have been employed as such for at least five (5) years
(either continuous or accumulated) prior to the semester of retirement as certified by his/her
ER/s, regardless if employment as underground mineworker is his/her last or not. The actual
date of retirement should not be earlier than March 13, 1998 and the ER/s must be duly
registered with the Bureau of Mines as a mining company.
Member is at least 60 years old (or 55 years old, if an underground mineworker) for
optional retirement, or 65 years old (or 60 years old, if an underground mineworker) for
technical retirement, and has paid less than 120 monthly contributions
A member filing for retirement benefit and has paid less than 120 monthly contributions
shall be given the option to continue paying the contributions as a VM to complete the 120
months to avail the full benefits thru monthly pension.
The monthly pension of a member who retires after age 60 and who has contributed the
required 120 monthly contributions shall be the higher of the following:
a) monthly pension computed at the earliest time the member could have retired had he/she
been separated from employment or ceased to be SE, plus all adjustments thereto; or
b) monthly pension computed at the time when the member actually retires.
A retiree has the option to receive the first eighteen (18) months pension in lump sum,
discounted at a preferential rate of interest to be determined by the SSS. This option can be
exercised only upon filing of the first retirement claim, and only advance payments shall be
discounted on the date of payment. The Dependent’s Pension and 13th Month Pension are
excluded from the advanced 18 months pension. Should there be an increase in the monthly
pension within the 18-month period, the same shall also be subjected to interest.
The retiree will receive the regular pension on the 19th month and every month
thereafter.
66
What are the possible deductions in the retirement benefit?
All unpaid short-term member loans of members claiming for retirement benefit,
whether or not the term of payment has expired as of contingency date, shall be deducted in full
from the proceeds of the benefit payments. The date of contingency shall be the cut-off date for
charging interest and penalty. Also to be deducted are overlapping sickness and partial disability
benefits, if any. If there is overpaid pension due to dependent’s death, employment or marriage,
these shall also be deducted from the monthly pension.
How can a member know when is the optimum time to file for retirement so
that he/she gets the most of the benefit?
A member shall be advised of the amount of the monthly pension benefit that he/she will
receive upon filing of the retirement application and the amount that he/she will stand to
receive if he/she decides to continue paying contributions as a VM.
A member filing for optional retirement (60 years old) and who has paid at least 120
monthly contributions shall be given the option to continue paying voluntary contributions up
to 65 years old to avail of higher retirement benefit upon reaching 65.
Meanwhile, a member who is already 65 years old or older shall be given the option to
pay voluntary contributions ONLY IF he/she has not yet attained the required 120 monthly
contributions to be eligible for monthly pension. However, payment of contributions shall be
allowed only up to 120 months.
The monthly pension shall be suspended upon the re-employment or resumption of self-
employment of a retired member who is less than 65 years of old. The member shall again be
subjected to compulsory coverage. At 65 years old, whether employed or not, he/she can file a
claim again for retirement benefit.
How much will be the monthly pension of a member who filed for optional
retirement at age 60, becomes re-employed, and then re-applies for
technical retirement at age 65?
A pensioner who retires more than once shall be entitled to the higher of:
1. the monthly pension computed for the first retirement claim; or
2. the re-computed monthly pension for the new claim.
The monthly pension is paid thru the designated bank account opened by the member
under the “SSS Pensioner’s Remittance thru Bank” Program. This became mandatory effective
September 1, 1993.
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A member must open a single savings account (or use an existing one, if any) and submit
to the SSS the savings account number and a photocopy of the passbook upon filing of
application, or he/she may accomplish the Visa Cash Card Enrollment Form. The original
passbook must be presented for authentication purposes. For ATM accounts, the name of the
member must be embossed and the savings account number must be indicated in the ATM card;
otherwise, a copy of the deposit slip must be submitted.
For members without an existing single savings account, the SSS will issue an LOI form
to be presented to his/her chosen SSS-accredited bank for the purpose of opening a single
savings account.
Upon approval of the claim, the SSS will mail a notice voucher to the member informing
him/her when to withdraw the benefit from the bank.
Effective May 2016, the member may opt to receive the lump sum benefits for SS and EC
Disability, SS Death and Retirement directly through his/her bank account, instead of receiving
the check through the mail. The Payment thru-the-Bank Program shall become mandatory upon
implementation of the Benefits Workflow System.
The member will be asked to open a single savings account (or use an existing one, if
any) and submit to SSS a photocopy of any of the following: a) the savings account passbook;
b) the ATM card bearing the member’s name and account number; c) a validated initial deposit
slip; d) bank statement or certification; or e) Visa Cash Card Enrollment Form, upon filing of
benefit application. The original passbook/ATM card must be presented for authentication
purposes.
For members without an existing single savings account, the SSS shall issue an LOI form
to be presented to his/her chosen SSS-accredited bank for the purpose of opening a single
savings account.
Upon approval of the claim, the SSS will mail a notice-voucher to the member informing
him/her when to withdraw the benefit from the bank.
Can a retiree who was granted a lump sum benefit resume paying
contributions to qualify for pension benefit?
A retiree who wishes to convert the lump sum benefit paid to him/her to lifetime pension
shall be allowed to return the SSS check within six (6) months from the date of settlement. Upon
payment of the lacking contributions, the retiree shall be qualified to avail pension benefits
under RA 1161, as amended by RA 8282 (SS Law), or under RA 7699 (Portability Law), for SSS
members only.
If the SSS check has been encashed, a one percent (1%) interest per month shall be
charged effective from the date of encashment up to the time of application for pension. The
check amount plus the interest shall be deducted from the proceeds of the pension benefit.
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Aside from the retirement benefit, what else can a retiree receive?
Moreover, retiree pensioners prior to the effectivity of RA 7875 on March 4, 1995 are
automatically considered members of PhilHealth, and they and their legal dependents are
entitled to its hospitalization benefits. On the other hand, retirees effective March 4, 1995 up to
the present will be entitled to hospitalization benefits under PhilHealth only if they have
contributed 120 monthly Medicare contributions. The counting of 120 monthly contributions
shall start in 1972, when the Medical Care Act of 1969 started implementation.
A copy of DDR print-out indicating the type of claim is retirement in nature and the
effectivity date of pension or in its absence, a Copy of Retiree-Pensioner Certification issued by
SSS shall be required. They need to register with PhilHealth for the issuance of a PhilHealth ID
card for Non-Paying Members.
2. A child who has entered into a common-law relationship and has not attained the age of
eighteen (18). However, upon reaching the age of 18, the child shall stop receiving
dependent’s pension.
In cases where there are five (5) or more dependent legitimate, legitimated, legally
adopted and illegitimate children, the dependent legitimate, legitimated, and legally adopted
children shall be preferred. Where there are less than five (5) legitimate, legitimated, or legally
adopted children, the illegitimate children shall be considered to complete the maximum five (5)
dependents.
For how long will the dependent child receive the pension?
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is gainfully employed;
marries;
enters into a common-law relationship upon attaining at least 18 years of age; or
attains the age of 18 while having a common-law relationship.
Upon the death of a retiree pensioner, the primary beneficiaries shall be entitled to 100
percent of the monthly pension and the dependents to the dependent’s pension. If the retiree
pensioner dies within 60 months from the start of the monthly pension and has no primary
beneficiaries, the secondary beneficiaries shall be entitled to a lump sum benefit equivalent to
the total monthly pensions corresponding to the balance of the five-year guaranteed period,
excluding the dependent’s pension.
What is the prescriptive period in filing for claim for retirement benefit?
There is no prescriptive period for the filing of initial retirement benefit. However, all
claims with the SSS and all petitions with the SSC assailing said settled claims, should be filed
within ten (10) years from denial/settlement.
The 10-year prescriptive period shall not apply to the following cases:
1. Claims for adjustment for reasons not attributable to the member/claimant, such as:
Unposted contributions and additional CYS;
Payment for additional dependent/s if it was established that the dependent/s
was/were inadvertently excluded by SSS in the payment of benefit or date of birth
was erroneously encoded;
Change in the date of contingency if the correct date of contingency was not
considered by SSS in the computation of retirement benefit; or
Other analogous cases.
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2. Claims for re-adjudication due to:
Change of guardian of member/dependent/s;
Emancipation or death of dependents;
Resumption of monthly pension that was suspended/cancelled due to Annual
Confirmation of Pensioners (ACOP); or
Other analogous cases.
Can a member with a settled retirement benefit still correct his/her date of
birth to re-adjudicate the benefit?
The date of birth appearing in the member’s SSS record shall be presumed correct and
no further documentation shall be required to establish the same in the payment of retirement
benefit unless the member presents proof to the contrary.
1. If the correct date of birth is earlier than the date of birth used in the adjudication of
retirement benefit, correction of date of birth shall be based on PSA/NSO-issued birth
certificate, except for PSA/NSO birth certificate registered after the 55th birthday of the
member.
The request for correction of date of birth shall be exercised only once.
2. If the SSS discovers that the correct date of birth is later than what has been used in the
adjudication of benefit resulting in the over payment of retirement benefit, the SSS shall
effect the correction, make necessary adjustment on the benefits, and collect the
overpayment.
A retiree who paid voluntary contributions but was not previously or has no single
contribution paid as covered EE or SE shall be allowed to register upon determination of his/her
coverability as SE, per declaration made in the “Affidavit of Declaration of Source of Income” for
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purposes of adjudication of retirement or if records could show that benefit payments have been
previously granted.
A retiree-member who was declared presumptively dead by final judgement from the
Court/SSC or pursuant to SSC Resolution No. 695-s.81 and was granted death benefit is still
entitled to retirement benefit if he/she reappeared. However, the death benefit paid to his/her
beneficiaries shall be deducted from the proceeds of the retirement benefit.
4. Determination of ER Liability
D. Computation of ER Liability
1. For non-reporting, the ER shall pay the SSS damages equivalent to the following:
If lump sum benefit - Amount of benefit to which EE would have been entitled.
If pension - Accumulated pension due from the date of contingency up to the date of
settlement of claim or to the five (5) years’ pension, whichever is higher, including
dependents’ and 13th month pension.
If lump sum benefit - Difference between the amount of benefit to which the EE is
entitled.
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If pension - Difference on the accumulated pension due from the date of contingency
up to the date of settlement of the claim or to the five (5) years’ pension, whichever is
higher, including dependents’ and 13th month pension.
In addition under Items 1 and 2, the ER shall also be liable for the payment of the
corresponding unremitted contributions and penalties thereon apart from penal
sanctions, if warranted.
If the member has two (2) or more ERs, each ER’s liability shall be based on the
contributions the member has under the liable ER.
What forms and documents are needed in filing for a retirement benefit?
1. If filed by Member:
B. SSS Forms:
1. SSS Retirement Claim Application (RCA) Form; or
Application for DDR Benefit under the Portability Law, if applicable
2. Member’s Photo and Signature Card
If ATM card of married female member is still under her maiden name, submit
Marriage Contract/Certificate.
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If member cannot open a savings account or cannot apply for debit/cash card,
submit a written request for exemption from the Pensioner’s Remittance
Program stating reason for the request.
Note: LOA/SPA should be valid within six (6) months if issued in the Philippines or one
(1) year if issued abroad.
All equivalent ID cards/documents with English translation issued by a foreign
government shall be accepted.
Refer to Supplemental List of Documentary Requirements for Retirement Benefit
for the additional supporting documents for special cases.
Present the original and submit photocopy of valid ID cards/documents for authentication
purposes, and submit original/certified true copy of supporting documents.
A. Identification Documents
In the absence of Primary ID cards/documents (see list on Page 73), any two (2) of the
following Secondary ID cards/documents, both with signature, and at least one (1) with photo:
Postal ID
Company or School ID
OWWA ID
Senior Citizen ID
Firearm License Card issued by PNP
TIN card
ID Card issued by LGUs (e.g., Barangay/Municipality/City)
ID Card issued by professional associations recognized by PRC
Pag-IBIG ID Card/Member's Data Form
PhilHealth ID Card/Member’s Data Record
Voter’s ID or Voter’s Affidavit/Certificate of Registration
GSIS ID Card/Member’s Record/Certificate of Membership
Credit Card (with name and signature)
Fish Worker’s License Card issued by BFAR
Health or Medical Card
Residency card/Work permit issued by foreign governments
Marriage Contract/Certificate
Seafarer’s Registration Certificate issued by POEA
Alien Certificate of Registration/Green Card
Certificate of Confirmation from the National Commission on Indigenous Peoples
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Certificate issued by National Commission on Muslim Filipinos
Certificate of Licensure/Qualification Documents from MARINA
Certificate of Naturalization issued by the Bureau of Immigration
NBI Clearance
Police Clearance
Court Order granting petition for change of name or date of birth
Life Insurance Policy
Student Permit issued by LTO
Note:
- Expired IDs shall be accepted as identification, provided it has signature and photo.
- All equivalent ID cards/documents with English translation issued by a foreign
government shall be accepted.
- Married female members may use Primary or Secondary ID cards/documents that
are still under maiden name, provided that copy of Marriage Contract/Certificate, or
Report of Marriage issued by the Philippine Embassy or Consulate General, is
presented.
b) For SE members
Certificate of non-renewal for all of member’s business permit/license issued by
the proper government offices/transfer of ownership (e.g. Business Permit and
Licensing Office); or
Certificate of cessation of business issued by the duly elected Barangay Official
where the business or place of residence was located; and
SSS Form - Affidavit of Separation from Employment/Cessation of Self-
employment with Undertaking
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d) For members of Cooperative or registered Association (e. g. TODA, Card Inc., market
vendors association, etc.)
SSS Form - Affidavit of Separation from Employment/Cessation of Self-
employment with Undertaking; or
Certificate of termination of membership signed by the authorized company
representative/s or signatories in the Specimen Signature Card of the
Cooperative/Association; or
Certificate of membership signed by the authorized company representative/s or
signatories in the Specimen Signature Card of the Cooperative/Association
stating the period of membership.
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6. Additional documents if member is incapacitated and under guardianship
Photo and signature card of guardian
Medical certificate issued by his/her attending physician (with license number and
address of clinic), within three (3) months from date of filing of claim for
guardianship confirmed/certified by the Medical Specialist of SSS Physical
Examination Centers (PECs); and
In-Trust For (ITF) savings account; and
Affidavit for Guardianship of Incompetent Pensioner, if guardian is the spouse; or
Application for Representative Payee and Guarantor’s Bond Form, if guardian is
other than spouse
If married abroad
Marriage Contract/Certificate with English translation issued by foreign government;
or
Report of Marriage issued by the Philippine Embassy or Consulate General.
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- Birth certificates of at least two (2) children wherein under both documents the
names of parents and the date and place of marriage are indicated (if applicable)
Note:
- Baptismal/Dedication certificate or its equivalent certificate must bear the original
signature of the Parish Priest/Head of the Church/Ministry/Congregation/Sect/
other religious organizations or his authorized signatory. Stamped signature is not
acceptable.
- Dedication Certificate or its equivalent certificate issued by the Ministry/
Congregation/Sect/other religious organizations in lieu of baptismal certificate must
bear the date of birth of the child and the name of parents.
c) Additional documents
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- Statement made before any judicial or quasi-judicial proceedings
- Any authentic writing signed by the father (e.g. letter, diary, or other documents
such as school records and other public records)
Note:
- Documents issued in a foreign country should have English translation. Authentication by
the Philippine Embassy or Consulate General is not required if said documents are duly
received and signed by the SSS Foreign Representative, Foreign Office.
- For retirement claims filed abroad, photocopy of supporting document/s with English
translation may be presented and submitted in the absence of the original/certified true
copy, to be duly received and signed by the SSS Foreign Representative Office.
Members registered in the SSS website may submit their application for Technical
Retirement through the website, as long as they meet the following conditions:
Member is at least 65 years old;
Member has no cancelled SS Number/s;
Member has at least 120 monthly contributions prior to the semester of contingency;
Member has no pending case before the SSC;
Member has no outstanding loan balance or any outstanding loan balance shall be for
salary/calamity loan or salary loan renewal program (SLERP) only;
Member is qualified for technical retirement per Eligibility Inquiry of the On-line Web
Inquiry System (WINS);
Member has no submitted retirement claim per Centralized Claims Clearance
System/settled retirement claim per Claims Information;
Member has no dependent child/ren; and
Member is not an underground mineworker.
Application for technical retirement may be filed within six (6) months before the date of
retirement, but the payment of benefit shall be done on the actual date of retirement.
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Retirement claims submitted through the SSS website shall be processed using the DDR
Workflow System following the procedures on the Processing of Retirement Claim Application.
Payment of benefit shall be thru the bank using the UMID card or to the SSS-accredited
bank designated by the claimant in his online application for technical retirement.
Application for retirement benefit can be filed at the SSS branch nearest the member’s
residence.
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DEATH
What is Death Benefit?
The death benefit is a cash benefit paid either in monthly pension or lump sum to the
beneficiaries of a deceased member.
1. Monthly pension – granted to the primary beneficiaries of a deceased member who had
paid 36 monthly contributions before the semester of death.
2. Lump sum amount – granted to the primary beneficiaries of a deceased member who had
paid less than 36 monthly contributions before the semester of death. In case of secondary
beneficiaries, they are paid a lump sum benefit only.
The death benefit goes to the primary beneficiaries of the deceased member. These are
the legitimate dependent spouse, until he/she remarries, and the dependent legitimate,
legitimated, or legally adopted, and illegitimate children of the member who are not yet 21 years
old or over 21 years old, provided they are incapacitated and incapable of self-support due to
physical or mental disability which is congenital in nature or acquired during minority.
In the absence of primary beneficiaries, the dependent parents are considered the
secondary beneficiaries. In their absence, any other person designated by the member in
his/her SSS records are considered as the beneficiary. If there is no designated beneficiary, the
benefit shall be paid to the deceased member’s legal heirs in accordance with the law of
succession under the Family Code of the Philippines.
The monthly pension depends on the member’s paid contributions, including the CYS
and the number of dependent minor children, which should not exceed five (5). The monthly
pension is paid for not less than 60 months.
The amount of monthly pension will be the highest of:
1. the sum of P300 plus twenty percent (20%) of the average monthly salary credit (AMSC)
plus two percent (2%) of the AMSC for each CYS in excess of ten (10) years; or
2. forty percent (40%) of the AMSC; or
3. P1,000 if the member had less than ten (10) CYS; P1,200 if with at least ten (10) CYS; or
P2,400 if with at least twenty (20) CYS.
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How is the monthly pension paid?
The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is
allowed to choose the bank nearest his/her residence thru which he/she wishes to receive the
pension benefits under the “SSS Pensioner’s Remittance thru Bank” Program. This became
mandatory effective September 1, 1993.
The beneficiary must open a single savings account (or use an existing one, if any) and
submit to the SSS the savings account number and a photocopy of the passbook upon filing of
application, or he/she may accomplish the Visa Cash Card Enrollment Form. The original
passbook must be presented for authentication purposes. For ATM accounts, the name of the
beneficiary must be embossed and the savings account number must be indicated in the ATM
card; otherwise, a copy of the deposit slip must be submitted.
For beneficiaries without an existing single savings account, the SSS will issue an LOI
form to be presented to his/her chosen SSS-accredited bank for the purpose of opening a single
savings account.
Upon approval of the claim, the SSS will mail a notice-voucher to the beneficiary
informing him/her when to withdraw the benefit from the bank.
The primary beneficiaries of a deceased member who had paid less than 36 monthly
contributions shall be entitled to lump sum benefit, which shall be the higher of:
1. monthly pension multiplied by the number of monthly contributions paid prior to the
semester of death; or
2. twelve (12) times the monthly pension.
Secondary beneficiaries of the deceased member shall be entitled to a lump sum benefit
equivalent to:
1. 36 times the monthly pension – if the member has paid at least 36 monthly contributions
prior to the semester of death; or
2. monthly pension times the number of monthly contributions paid or twelve (12) times
the monthly pension, whichever is higher – if the member has paid less than 36 monthly
contributions prior to the semester of death.
Effective May 2016, the beneficiary may opt to receive the lump sum benefits for SS and
EC Disability, SS Death and Retirement directly through his or her bank account, instead of
receiving the check through the mail. The Payment thru-the-Bank Program shall become
mandatory upon implementation of the Benefits Workflow System.
The beneficiary will be asked to open a single savings account (or use an existing one, if
any) and submit to SSS a photocopy of any of the following: a) the savings account passbook;
b) the ATM card bearing the beneficiary’s name and account number; c) a validated initial
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deposit slip; d) bank statement or certification; or e) Visa Cash Card Enrollment Form, upon
filing of benefit application. The original passbook/ATM card must be presented for
authentication purposes.
For a beneficiary without an existing single savings account, the SSS shall issue an LOI
form to be presented to his or her chosen SSS-accredited bank for the purpose of opening a
single savings account.
Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary
informing him/her when to withdraw the benefit from the bank.
Yes, the deceased member’s beneficiaries are entitled to a 13th month pension
payable every December and the funeral grant, which is paid to whomever shouldered the
funeral expenses of the deceased member.
Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also
entitled to hospitalization benefits under PhilHealth. They need to register under PhilHealth
and must submit a DDR print-out indicating the type of claim is survivorship in nature and the
effectivity date of pension, or a copy of Death/Survivorship Certification issued by the SSS
indicating the effectivity of the pension shall be submitted to PhilHealth.
If the deceased member has not paid any single contribution, are the
beneficiaries still entitled to the death and funeral benefits?
83
(2) A child who has entered into a common-law relationship and has not attained the age of
eighteen (18). However, upon reaching the age of eighteen (18), the child shall stop receiving
dependent’s pension.
In cases where there are five (5) or more dependent legitimate, legitimated, legally
adopted and illegitimate children, the dependent legitimate, legitimated and legally adopted
children shall be preferred. Where there are less than five (5) legitimate, legitimated or legally
adopted children, the illegitimate children shall be considered to complete the maximum five (5)
dependents.
For how long will the dependent child receive the pension?
What is the prescriptive period in filing for claim for death benefit?
84
What are the forms and documents needed in filing a death benefits claim?
Basic Forms/Documents
ID Cards/Documents
B. Or in the absence of the above valid primary IDs, any two (2) of the following valid
Secondary IDs (original) both with signature and at least one (1) with photo:
Driver’s License
Postal ID card
Company ID card
School ID card
TIN card
PhilHealth ID card
OWWA card
Senior Citizen card
Voter’s Identification card or Voter’s Affidavit / Certificate of Registration
Credit card (with name and signature)
Firearm License card issued by PNP
Fish Worker’s License Card issued by BFAR
GSIS card/Member’s Record/Certificate of Membership
Health or Medical card
ID card issued by LGUs (e.g. Barangay/Municipality/City)
ID card issued by professional association recognized by PRC
C. Or in the absence of a valid primary ID, any one (1) of the above valid secondary IDs
(original) with signature and photo, and at least one (1) of the following Secondary
Documents:
Alien Certificate of Registration
Certificate issued by National Commission on Indigenous Peoples
Certificate of Licensure/Qualification Document from MARINA
Certificate issued by National Commission on Muslim Filipinos
Certificate of Naturalization from BI
Marriage Contract/Marriage Certificate
NBI Clearance
Pag-IBIG Member’s Data Form
Police Clearance
Seafarer’s Registration Certificate issued by POEA
Student Permit issued by LTO
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Note: Presentation of the original and submission of photocopies of ID cards/documents shall
be required from the filer.
Certified true copy of death certificate of deceased member issued by the Vital Statistics
Office/County of Host Country or its equivalent (certified by the Philippine Embassy/Consulate,
if there is an existing Philippine Embassy/Consulate in the place of death)
1. Certified true copy of death certificate of deceased member issued by the Vital
Statistics Office/County of Host Country or its equivalent (certified by the Philippine
Embassy/Consulate, if with existing Philippine Embassy/Consulate in the place of
death)/PSA (formerly NSO)
If the death certificate is not written in English language, authorized English translation
from the Philippine DFA is required
1.1 If death certificate is not available from LCR and PSA (formerly NSO), certification of
non-availability issued by the same, together with any of the following:
Certification of Death issued by the Parish/Church
Certification of Burial from the cemetery administrator
Note: For Muslim claimants, submission of death certificates issued by the LCR shall
be required.
1.2 In case of late registration, Certification of Death issued by the Parish or Certification
of Burial from the cemetery administrator and properly accomplished affidavit at the
back of the death certificate explaining the reason for the delay
1.3.2 For victims of air mishap whose bodies were not recovered but whose names
appeared in the passenger manifest, any of the following, in addition to the
Undertaking:
Passenger’s manifest issued by airline company
Certification from the Airline Company or Inter-Agency Task Force created
by the President of the Philippines.
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1.3.3 For victims of sea mishap whose bodies were not recovered but whose names
appeared in the passenger manifest, any of the following, in addition to the
Undertaking:
Marine protest issued by the Philippine Coast Guard and passenger’s
manifest issued by the shipping company
Marine protest supported by quit claim or fax messages from the manning
agency regarding the disappearance and authenticated by employer
Certification from the shipping company or Philippine Coast Guard or
Inter-Agency Task Force created by the President of the Philippines
1.3.4 For victims whose bodies were not recovered and whose names do not appear
in the passenger manifest, any three (3) of the following, in addition to the
Undertaking:
Certification from ER that the victim has not reported for work from the
time of accident up to the present time, if the victim was employed
Certification from the barangay chairman on the member’s disappearance
and a joint affidavit of two (2) persons preferably immediate relatives of the
deceased member that is a common knowledge within the barangay that the
victim died in the accident, if the victim was unemployed
List of passengers, where the name of the victim appears, compiled by the
DILG and duly certified by the Chairman of Government’s Inter-Agency
Task Force created by the President of the Philippines
Certification from the shipping/airline company stating that it has
recognized the fact that the victim was aboard the ship/airplane during the
particular trip
Affidavit of at least two (2) persons stating that they saw the deceased
actually boarded or on-board the ship/airplane on its last ill-fated voyage
Duplicate copy of tickets filed by the shipping company
Coast guard report
Affidavit of co-passenger who survived the accident
1.3.5 For missing person without credible proof of death, the following are needed, in
addition to the Undertaking:
Police investigation report conducted immediately after the disappearance
of the member that tends to show that the member is already deceased
Confirmation report from a police authority or other government agency
after four (4) or seven (7) years from the date of disappearance of the
member to the effect that the member has not yet been found
Court order declaring “death” and “date of death of member”
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PRIMARY BENEFICIARIES
2. Certified true copy of Birth Certificate of dependent child/children duly registered with
LCR/PSA (formerly NSO)
2.1 If Birth Certificate is not available, certified true copy of baptismal certificate duly
registered with the Parish/Church together with certification of non-availability of
records of birth from LCR/PSA (formerly NSO)
Note: Baptismal Certificate must always bear the original signature of the priest or
his authorized signatory/official. Stamped signature is not acceptable.
2.2 If baptismal certificate is not available (with certification of non-availability from the
parish church)
Any two (2) of the following secondary proofs showing the name and date of birth
of dependent:
School cards/records of dependent
Educational/Insurance Plan
Employment records of member
PhilHealth/GSIS/Pag-IBIG records
2.3 Legal adoption paper, for legally adopted dependent child/ren
2.4 Any proof of filiation for illegitimate dependent children (for date of death on or after
May 24, 1997), as follows:
Certified true copy of Birth Certificate of illegitimate dependent children duly
acknowledged by member and registered with LCR/PSA (formerly NSO) (if
birth certificate is not available, refer to the alternative documents mentioned
under birth/ baptismal certificate)
Will
Statement before a court of record
Any authentic writing (letter, diary, school records)
Duly received membership data record by agencies like PhilHealth, Pag-IBIG,
GSIS, etc.
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3.2 Application for Representative Payee (CLD15) and Guarantor’s Bond Form (BPN-
107)
3.3 Single savings account passbook/ATM/accomplished Visa Cash Card enrollment
form (ITF the incapacitated spouse), for lump sum benefit
5. If dependent child/ren is/are incapacitated and under a guardian other than spouse
5.1 Medical certificate of child/ren issued by the attending physician confirmed by the
Medical Specialist, MES, Branch/PE Center
5.2 Application for Representative Payee (CLD15) and Guarantor’s Bond Form (BPN-
107)
5.3 Single savings account passbook/ATM/accomplished Visa Cash Card enrollment
form (In-trust for the dependents)
5.4 Certified true copy of Death Certificate of spouse of deceased member, if already
deceased
8. If spouse has been separated from the deceased member (not living as husband and wife)
8.1 Joint affidavit of two (2) persons (preferably nearest relatives of the deceased) who
have knowledge on the separation, stating the reason thereof and the fact of spouse’s
dependency for support upon the deceased member
9. If with illegitimate dependent child/ren and member’s date of death is prior to May 24,
1997 (if cause of death is work-connected)
9.1 Certified true copy of Birth Certificate of dependent illegitimate child/ren duly
registered with LCR/PSA (formerly NSO)
9.2 Joint affidavit of two (2) persons (preferably nearest relatives of the deceased
member) attesting that the deceased and the common-law-spouse have no legal
impediment to marry each other at the time of conception of the dependent child/ren
and spouse’s affidavit attesting to the fact of dependency for support
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SECONDARY BENEFICIARIES (In the absence of primary beneficiaries)
Dependent Parents
1. Certified true copy of Birth Certificate of deceased member duly registered with LCR and
signed by the Civil Registrar or PSA (formerly NSO)
1.1 If Birth Certificate is not available, certified true copy of baptismal certificate duly
registered with the parish/church together with certification of non-availability of
record from LCR/PSA (formerly NSO)
Note: Baptismal certificate must always bear the original signature of the priest or his
authorized signatory/official. Stamped signature is not acceptable.
1.2 If death is prior to May 24, 1997 and claim is for SSS only:
Certified true copy of Marriage Contract/Certificate of deceased member’s parents
duly registered with LCR and signed by the authorized signatory of the Office of the
Civil Registrar or PSA (formerly NSO)
If Marriage Contract/Certificate is not available or marriage record is intact but
no record of marriage from LCR/PSA (formerly NSO), appropriate certification
issued by the same, together with Marriage Certification issued by the
parish/church, or Birth Certificate of at least two (2) children showing the alleged
date of marriage
Certification signed by Imam for Muslim marriage
Alien Certificate of Registration showing the name of spouse
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5. If both dependent parents are under a guardian
5.1 Application for Representative Payee (SS Form CLD-15)
5.2 Guarantor’s Bond Form (SS Form BPN-107)
5.3 Medical certificate issued by the attending physician confirmed by the Medical
Specialist, MES Branch/PE Center
5.4 ITF account
1. Designated Beneficiaries
1.1 If deceased member is a widow/widower at the time of death
1.1.1 Certified true copy of the Birth Certificate of deceased member, duly
registered with LCR and signed by authorized signatory of the Office of the
Civil Registrar, or issued by the NSO
If Birth Certificate is not available, certified true copy of baptismal certificate,
duly registered with the parish/church together with certification of non-
availability of record from LCR/PSA (formerly NSO) ;
1.1.2 Certified true copy of the Death Certificate of spouse of deceased member
duly registered with LCR and signed by the authorized signatory of the Office
of the Civil Registrar or PSA (formerly NSO); or
Certified true copy of Death Certificate of deceased member’s spouse issued
by the Vital Statistics Office/County of Host Country or its equivalent, if
member’s spouse died abroad (certified by the Philippine
Embassy/Consulate, if there is an existing Philippine Embassy/Consulate in
the place of death)/PSA (formerly NSO) ;
1.1.3 Certified true copy of the Death Certificate of parents of deceased member
duly registered with LCR and signed by the authorized signatory of the Office
of the Civil Registrar or PSA (formerly NSO); or
Certified true copy of Death Certificate of deceased member’s parents issued
by the Vital Statistics Office/County of Host Country or its equivalent, if
member’s parents died abroad (certified by the Philippine
Embassy/Consulate, if with existing Philippine Embassy/Consulate in the
place of death)/PSA (formerly NSO)
Note: If the Death Certificates of the parents/grandparents of deceased
member are not available and the age of the deceased member at the time of
death is 65 years old and above, the parents/grandparents of the deceased
member shall be presumed dead and Death Certificates are no longer
necessary.
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1.2 If deceased member is single at the time of death
1.2.1 Certified true copy of the Birth Certificate of deceased member, duly
registered with LCR and signed by authorized signatory of the Office of the
Civil Registrar, or issued by the PSA (formerly NSO)
If Birth Certificate is not available, certified true copy of baptismal certificate
duly registered with the parish/church together with certification of non-
availability of record from LCR/PSA (formerly NSO);
1.2.2 Certified true copy of the Death Certificate of parents of deceased member
duly registered with LCR and signed by authorized signatory of the Office of
the Civil Registrar or PSA (formerly NSO); or
Certified true copy of Death Certificate of deceased member’s parents issued
by the Vital Statistics Office/County of Host Country or its equivalent, if
member’s parents died abroad (certified by the Philippine
Embassy/Consulate, if with existing Philippine Embassy/Consulate in the
place of death)/PSA (formerly NSO)
Note: If the Death Certificates of the parents/grandparents of deceased
member are not available and the age of the deceased member at the time of
death is 65 years old and above, the parents/grandparents of the deceased
member shall be presumed dead and Death Certificates are no longer
necessary.
2. Legal Heirs
2.1 Certified true copy of the Birth Certificate of member and legal heirs (at least two)
duly registered with LCR/PSA (formerly NSO)
2.1.1 If Birth Certificate is not available, certified true copy of baptismal certificate,
duly registered with the parish/church together with certification of non-
availability of record from LCR/PSA (formerly NSO)
2.2 If deceased member is married, certified true copy of the Death Certificate of spouse
and parents and Marriage Contract/Certificate of deceased member duly registered
with LCR/PSA (formerly NSO)
2.3 If deceased member is single, certified true copy of the Death Certificate of parents
and grandparents of deceased member and Death Certificate of other legal heirs duly
registered with LCR/PSA (formerly NSO)
2.4 Certified true copy of the Death Certificate of the designated beneficiaries/other
nearest relatives duly registered with LCR/PSA (formerly NSO)
Note: If the Death Certificates of the parents/grandparents of deceased member are
not available and the age of the deceased member at the time of death is 65 years old
and above, the parents/grandparents of the deceased member shall be presumed
dead and Death Certificates are no longer necessary.
Where can the beneficiary/claimant file for the death benefit claim?
Applications for the death benefit can be filed at any SSS branch.
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FUNERAL
What is Funeral Grant?
The funeral grant is the amount given to whomever pays the burial expenses of the
deceased member or pensioner. Starting August 1, 2015, the amount of the funeral grant was
increased to a variable amount ranging from a minimum of P20,000 to a maximum of P40,000,
depending on the member’s paid contributions and CYS.
What are the forms and documents needed in filing a claim for Funeral
Grant?
Basic Forms/Documents
Additional Documents
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flood, landslide, typhoon, earthquake, etc. (per AO No. 2007-0018 issued by the
Department of Health).
4. For missing persons without credible proof of death, all of the following are needed, in
addition to the Undertaking cited in Item no. 2 above:
Police investigation report (reflected in the police blotter) conducted immediately after
the disappearance of the member that tends to show that the member is already
deceased; and
Confirmation report from a police authority or other government agency after four (4) or
seven (7) years from the date of disappearance of the member to the effect that the
member has not yet been found.
5. If without Official Receipt (OR) from the funeral parlor regarding funeral expenses, any of
the following:
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Notarized affidavit of funeral expenses if the service of a funeral parlor was not
contracted, if claimant is an immediate relative of the family
Provisional receipt or funeral service contract issued by the funeral parlor, if member is
not yet buried
Certification from the insurance/memorial life plan company stating that the deceased
member/claimant is the plan holder
Affidavit of sale executed by the plan holder or deed of sale together with the certification
of availment from memorial plan company allowing the transfer of plan to the deceased
member
Duplicate copy of OR and duly notarized affidavit of loss executed by claimant
Certification of loss or non-availability of the duplicate copy of the OR from the funeral
parlor and duly notarized affidavit of loss executed by the claimant
Certification by the funeral parlor regarding non-payment together with the contract, if
the deceased member was already buried but the funeral services rendered by the funeral
parlor was not yet settled.
7. If funeral claim is filed thru a representative (at the discretion of the Branch Head)
LOA or SPA and representative’s SS card or two valid ID cards, both with signature and
at least one (1) with photo
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- With registry number
- With signature of the LCR or his/her authorized signatory official. The name and
signature of the official authorized to sign the document in the absence of the LCR
must always be indicated. Hence, signature with “For” or “By” is not allowed.
- With date received by PSA (formerly NSO) or LCR
- Without erasures, alterations, insertions or superimpositions whatsoever. Any
amendment or correction in the document should bear marginal notation of PSA
(formerly NSO).
Applications for the funeral grant can be filed at any SSS branch.
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EMPLOYEES’ COMPENSATION
The Employees’ Compensation (EC) program assists workers and their dependents in the
event of work-connected sickness or injury and its resulting disability or death.
All SSS-registered ERs and their EEs are compulsorily covered under the EC program
and need not register again under EC.
Only the ER is required to remit monthly EC contributions on behalf of the EEs. Effective
January 1, 2007, the required contribution is P10 for those with MSC of less than P15,000. For
those with MSC of P15,000 and above, the required contribution is P30. (Please refer to SSS
contribution schedule on Page 38)
How long is the ER obliged to pay for the EC contributions of the EE?
For as long as the EE works for him/her, the ER is obliged to pay EC contributions. The
obligation of the ER ceases when an EE is separated from employment, or if the EE dies during
employment.
When a covered EE becomes disabled during employment, the ER’s obligation to pay the
monthly contribution arising from the employment will be suspended during the months when
the EE is not receiving salary or wages.
Benefits under the EC program are in the form of either income benefits or services, and
they consist of the following:
1. Medical Services, Appliances and Supplies – these are provided to the afflicted
member beginning on the first day of injury or sickness, during the subsequent period of
his/her disability, and as the progress of his/her recovery may require, subject to the
expense limitation prescribed by the EC Commission.
These benefits, however, are limited to the ward services only of an accredited hospital and
physician. Ward services are all services an in-patient would ordinarily receive in a hospital.
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to meet the individual needs of each handicapped EE to restore him/her to suitable
employment (including assistance as may be within its resources) to help each person with
work-related disability (PWRD) to develop his/her mental, vocational or social potential.
It is payable for a period not longer than 120 consecutive days except where the injury or
sickness still requires medical attendance beyond 120 days but not to exceed 240 days.
However, the System may declare the total and permanent status at any time after 120
days of continuous temporary total disability as may be warranted by the degree of actual
loss or impairment of physical or mental functions of the member. The ER shall be liable
for the benefit if such illness or injury occurred before the EE is duly reported for
coverage to the System.
Permanent total disability. This involves the loss of two limbs at or above the ankle
or wrists, permanent complete paralysis of two limbs, or other similar conditions as
evaluated by a Medical Specialist. This benefit is a monthly pension paid to the sick or
injured worker until death, plus ten percent (10%) for each of his/her five (5) dependent
children, beginning with the youngest child and without substitution.
The monthly pension shall be guaranteed for five (5) years and shall be suspended if the
EE is gainfully employed, recovers from permanent total disability, or fails to present
himself/herself for examination at least once a year upon notice by the SSS, or fails to
submit a quarterly medical report certified by the attending physician as required under
Section 5, Rule IV of the EC Law.
Upon the death of an EC permanent total disability (PTD) pensioner, the SSS will pay to
the primary beneficiaries eighty percent (80%) of the monthly pension if the cause of
death is a complication or natural consequence of previously-compensated PTD. In
addition, the dependents will be paid the dependent’s pension. If the deceased pensioner
has no primary beneficiaries, the SSS will pay to the secondary beneficiaries the
remaining balance of the five-year guaranteed period, excluding the dependent’s
pension.
Permanent partial disability. This involves the loss of one thumb, one arm, one
index finger, one leg, or other similar conditions as evaluated by a Medical Specialist. A
monthly pension is provided to the member, which is equivalent to the pension for PTD,
but limited to the number of months designated by law for a particular disability.
However, if the pension duration of the permanent partial disability is less than a year,
the benefit is paid one-time in lump sum.
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Death. A monthly pension is provided to the deceased member’s primary beneficiaries,
plus ten percent (10%) of such benefit for each of the dependent children, subject to
some limitations. In the absence of primary beneficiaries, the secondary beneficiaries are
entitled to the monthly pension but not to exceed sixty (60) months.
Under the EC program, a funeral benefit grant will also be paid to any person who
actually shouldered the burial expenses of the deceased member. As of September 1,
2013, this funeral benefit grant is P20,000.
The ER should be notified of the EE’s sickness, injury or death within five (5) days from
occurrence of the contingency. Notice is not necessary if the contingency occurred during
working hours, at the place of work, and with the knowledge of the employer or representative.
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What should the ER do upon the EE’s submission of notice?
Pursuant to Section 2 Rule XVI - Employer’s Records and Notices of PD 626 or the
Employee’s Compensation Law, all ERs are required to keep a logbook to record chronologically
the sickness, injury or death of their EEs, listing therein their names, dates, and places of
contingency and absences. Entries in the logbook should be made within five (5) days from
notice or knowledge of the occurrence of the contingency. Within five (5) days after entry in the
logbook, the ER should report to SSS those contingencies it deems to be work-connected.
All entries in the logbook shall be made by the ER or any of his/her authorized officials
after verification of the contingencies or the EE’s absences for a period of a day or more. Upon
request by the SSS, the ER must furnish the necessary certificate regarding information about
any contingency appearing in the logbook, citing the entry number, page number and date. Such
logbook must be made available for inspection to the duly authorized representatives of SSS.
What will happen if the ER fails to record the sickness, injury or death of
any of the EEs in the logbook?
In case of payment of benefits for any claim which is later determined to be fraudulent
and the ER is found to be a party to the fraud, he/she shall reimburse the System the full
amount of the compensation paid.
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employed, and not over 21 years of age, or over 21 years of age provided they are
incapacitated and incapable of self-support due to physical or mental disability which is
congenital in nature or acquired during minority.
What will happen to the monthly death pension if the member has no
primary and secondary beneficiaries?
If the deceased member has no primary and secondary beneficiaries at the time of death,
the benefit will accrue to the EC fund.
Note: Medical Specialist shall determine the required documents based on a separate
checklist.
BASIC DOCUMENTS
Note: All ERs are required to enroll in the SSS Sickness and Maternity Payment
thru-the-Bank (SMB-PTB) Program for the remittances of their sickness reimbursement
claims.
If confinement period applied for is within the period of employment or prior to date of
separation
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1. SBRA for SE/VM/Member Separated from Employment
2. Accident/Sickness Report accomplished by ER and Police Report (if vehicular accident
with third-party involvement)
3. Filer’s SS Card or other valid ID cards/documents as listed in the attachment to the
Form
4. Supporting medical documents
Note: Medical Specialist shall determine the required documents based on a separate
checklist.
ADDITIONAL DOCUMENTS – present the original/certified true copy and submit the
photocopy of the following, whichever is applicable:
If confinement period applied for is within the period of employment or prior to date of
separation
- Certificate of separation from employment with effective date of separation and that no
advance payment was granted (signed by the ER’s authorized signatory reflected in SS
Form L-501)
If confinement period applied for is within the period of employment or prior to date of
separation
- Certificate of separation from employment with effective date of separation and that no
advance payment was granted (signed by the ER’s authorized signatory as reflected in SS
Form L-501)
If company is on strike
Notice of strike duly acknowledged by the DOLE; and
Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
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Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
If separated from employment due to AWOL or with strained relations with the ER
Duly notarized Affidavit of Undertaking issued by the member that no advance
payment was granted and with indicated effected date of separation.
Note: Sickness benefit payments for SE/VM/Member Separated from Employment shall be
remitted by SSS to the member’s designated bank under the SMB-PTB Program.
II. EC DISABILITY
BASIC DOCUMENTS
Note:
- Medical Specialist shall determine the required documents based on a separate checklist.
- Photocopy of logbook citing the entry number, page number and date, if with previously
approved SN (as EC).
- Documents issued by foreign country should be in English translation and duly
authenticated by the Philippine Embassy/Consulate Office or duly notarized by notary
public in host country
Or in the absence of a valid Primary ID card/document, any two (2) of the following valid
Secondary ID cards (original) both with claimant’s signature and at least one (1) with photo:
Driver’s License
Postal ID Card
School or Company ID
TIN card
PhilHealth ID Card
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OWWA Card
Senior Citizen Card
Voter’s Identification Card or Voter’s Affidavit/Certificate of Registration
Credit Card (with name and signature)
Fish Worker’s License issued by the BFAR
GSIS Card/Member’s Record/Certificate of Membership
Health or Medical Card
Firearm License card issued by PNP
ID Card issued by LGUs (e.g., Barangay/Municipality/City)
ID Card issued by professional associations recognized by PRC
In the absence of a valid Primary ID card/document, any one (1) of the valid Secondary ID
cards listed above (original) and at least one (1) of the following Secondary documents:
Marriage Contract/Certificate issued by the LCR or by the PSA (formerly NSO)
Pag-IBIG Member’s Data Form
Police Clearance
Seafarer’s Registration Certificate issued by the POEA
Student Permit issued by the LTO
Alien Certificate of Registration
Certificate of Confirmation issued by National Commission on Indigenous Peoples
Certificate of Licensure/Qualification Documents/Seafarer’s ID & Record Book from
MARINA
Certificate of Naturalization issued by BI
Note: Presentation of the original and submission of photocopies of IDs shall be required.
ADDITIONAL DOCUMENTS
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If member is under guardianship
SPA or Affidavit of Guardianship, if guardian is spouse or parent of member (if single)
Application for Representative Payee and Guarantor’s Bond Form, if guardian is other
than spouse of parent of member
ITF savings account
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Claim for Dependent’s Pension Benefit (SSS Form BPN-106), if guardian is spouse or
parent of member; or
Application for Representative Payee and Guarantor’s Bond Form, if guardian is other
than spouse or parent of member, or if qualified dependent/s is/are under guardian
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IV. EC DEATH
If Due to Accident
1. Accident Report/Report of Death (SS Form BPN – 105)
2. Statement of duties and responsibilities duly signed by the ER
3. Mission/Job or Travel Order duly signed by the ER, when applicable
4. Photocopy of page in the company logbook/record of accident signed by the ER
5. Police investigation report or ER’s report of injury, death or casualty spot report, when
applicable
6. Joint Affidavit (preferably by the relatives of deceased member) that the deceased member
has no legal impediment to marry, if with dependent illegitimate children
If Due to Illness
1. Accident Report/Report of Death (SS Form BPN – 105)
2. Statement of duties and responsibilities duly signed by the ER
3. Pre-employment medical records
4. Photocopy of page in the company logbook/record of accident signed by the ER
V. EC FUNERAL
If Due to Accident
1. Accident Report/Report of Death (SS Form BPN – 105)
2. Statement of duties and responsibilities duly signed by the ER
3. Updated Service Record
4. Mission/Job or Travel Order duly signed by the employer, when applicable
5. Photocopy of page in the company logbook/record of accident signed by the ER
6. Police investigation report or ER’s report of injury, death or casualty spot report, when
applicable
If Due to Illness
1. Accident Report/Report of Death (SS Form BPN – 105)
2. Statement of duties and responsibilities duly signed by the ER
3. Updated Service Record
4. Pre-employment medical record
5. Photocopy of page in the company logbook/record of accident signed by the ER
Claims for EC benefits can be filed at any SSS branch nearest the member/claimant.
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SALARY LOAN
SSS was mandated primarily to give social security protection to its members. However,
it has also provided its members with short-term loan programs from which they can borrow for
personal purposes. The SSC, under Resolution No. 316-s.2012 dated April 18, 2012, approved
the amendments on the existing guidelines on the SSS Short-Term Member Loan, better known
as the Salary Loan.
It is a loan privilege granted by SSS to eligible members to meet their short-term needs.
3. The member-borrower must be under sixty-five (65) years of age at the time of application.
4. The member-borrower has not yet been granted final SSS benefit (i.e. total permanent
disability, retirement, or death). However, if said benefit was cancelled due to re-
employment or recovery from disability, the member shall again be qualified, subject to the
terms and conditions.
5. The member-borrower has not been disqualified due to fraud committed against the SSS.
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The net amount of the loan shall be the difference between the approved loan amount
and all outstanding balance of short-term member loans.
The member-borrower has the following options in receiving the loan amount:
Thru check sent via Post Office
Thru pre-paid Cash Card issued by SSS partner-banks
How long will it take the member to pay back the loan?
The one-month or two-month salary loan shall be payable within two (2) years in 24
equal monthly installments to start on the second month following the date of loan, which is due
on or before the payment deadline for loans.
The loan shall be charged an interest rate of ten percent (10%) per annum, based on
diminishing principal balance, and shall be amortized over a period of 24 months. If the loan is
not fully paid at the end of the term, interest of ten percent (10%) shall continue to be charged
on the outstanding principal balance until fully paid.
Loan amortization not remitted on due date shall bear a penalty of one percent (1%) per
month until fully paid.
Yes. A service fee of one percent (1%) of the loan amount is charged and deducted in
advance from the proceeds of the loan.
The loan may be renewed after payment of at least fifty percent (50%) of the original
principal amount and at least fifty percent (50%) of the term has lapsed. Proceeds of renewal
loan is any amount greater than or equal to zero after the outstanding balance on the previous
loan is deducted.
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How does a member pay back the loan?
For employed member-borrowers, the first deduction from their salaries shall start on
the second month following the date of loan. All remittances should be made by the ER on or
before the deadline for payment, which depends on the 10th digit of the 13-digit ER ID number.
In case the payment deadline falls on a Saturday, Sunday or a holiday, payment may be
made on the next working day to avoid penalties on late member loan payments of ERs.
For instance, if the SS number is 01-2345678-9, the payment deadline for member loans
for the applicable month of January is February 28 (last day of the month).
In case the payment deadline falls on a Saturday, Sunday or a holiday, payment may be
made on the next working day to avoid penalties on late member loan payments of SE and VM.
However for OFW-members, the payment deadline is on or before the 10th day of the
month following the applicable month or quarter.
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updated statement of account of any outstanding loan balance with SSS and allow the new ER to
deduct from his/her salary the corresponding amortization due, including any interest or
penalty for late remittance.
The ER shall be responsible for the collection and remittance to the SSS of the
amortization due on the member-borrower’s salary loan through payroll deduction. The ER
shall require new EEs to secure from the SSS an updated statement of account. He/she shall
then deduct and remit to SSS any outstanding loan balance of new EEs.
In case of default, the arrearages/unpaid salary loan shall be deducted from the benefits
claimed by the member, whichever comes first, as follows:
1. For SE/VM, deduction shall be from short-term benefits (Sickness/Maternity/Partial
Disability).
2. Upon member-borrower’s death, total disability or retirement, the outstanding loan balance,
including the interest and penalty, shall be deducted from the corresponding benefit.
1. Any overpayment on a previous salary loan shall be applied to a subsequent loan, if any.
Otherwise, the overpayment shall be refunded upon request of the member-borrower.
2. The borrower shall notify the SSS in case of change of address/ER thru mail/e-mail/over-
the-counter (OTC). The notice should indicate the name and SS Number of the member-
borrower, addressed to the Member Services Section of the nearest SSS Branch, and duly
signed by the member-borrower (in case of mail/OTC).
Note: A Disclosure Statement on the loan transaction is issued by the SSS to the member-
borrower upon approval of his/her loan (per R.A. 3765, Truth in Lending Act).
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What are the documents needed for filing a salary loan?
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If loan application is filed by Authorized Representative (AR) of Member-Borrower (MB):
- Present the original of any one (1) of the AR’s Primary ID cards/documents (Item A) or two
(2) Secondary ID cards/documents, at least one (1) of which has his/her signature and
photo; and
- Original of any one (1) of the MB’s Primary ID cards/documents (Item A) or two (2)
Secondary ID cards/documents, at least one (1) of which has his/her signature and photo.
Note: For security agencies and ERs with branch offices but with centralized filing of loan
applications, photocopies of the above-listed ID card/documents duly certified by the
MB and authenticated by the authorized company signatory may be accepted.
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Where can a member-borrower file the salary loan application?
Employed Member: The salary loan application may be submitted online by an employed
member if he/she is registered at the My.SSS facility of the SSS website. The submitted
application will be directed to his/her ER’s My.SSS account for certification; hence, the
ER must also have an SSS Web account. The ER must certify the EE’s online application
within three (3) working days or else it becomes invalid.
The EE may also file the salary loan application at the branch nearest his/her residence
or place of business.
Note: The ER must submit an updated Specimen Signature Card (SS Form L-
501) annually to avoid delay in the processing of salary loan applications.
SE/NWS/VM : If they are registered at the My.SSS facility of the SSS Website, they can submit
the salary loan application online. They may also file the salary loan application at the
branch nearest their place of residence or business.
OFW: If they are registered at the My.SSS facility of the SSS Website, an OFW Member can
submit his/her salary loan application online. He/she may also file the salary loan
application at the SSS Foreign Representative Offices (FRO) in selected countries.
In case there is no SSS FRO in his/her country, the OFW may send the application and
supporting documents to his/her relatives here in the Philippines and authorize them to
file at the nearest SSS branch. Documents issued in other countries should be duly
authenticated or certified by the Philippine Consulate/Embassy.
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Glossary of SSS Terms
Average Daily Salary Credit – the result obtained by dividing the sum of the six (6) highest
monthly salary credits in the 12-month period immediately preceding the semester of
contingency by 180.
Average Monthly Salary Credit – the result obtained by dividing the sum of the last sixty
(60) monthly salary credits immediately preceding the semester of contingency by 60, or
the result obtained by dividing the sum of all the monthly salary credits paid prior to the
semester of contingency by the number of monthly contributions paid in the same
period, whichever is greater.
Beneficiaries – those qualified to receive a share or the entire benefits of a retired, totally
disabled, or deceased member and are categorized as follows:
a) Primary Beneficiaries – the legal and dependent spouse (until he/she remarries) and the
dependent legitimate, legitimated or legally adopted, and illegitimate children of the
member.
The following may be designated as secondary beneficiaries who must be dependent for
support from the member at the time of contingency:
Legitimate ascendant and descendant
Parents and their legitimate children, and the legitimate and illegitimate children of
the latter
Parents and their illegitimate children
Legitimate brothers and sisters, whether full-blood or half-blood
Other collateral relatives:
- Nephews/nieces
- Grandnephews/nieces
- Uncles/aunts
- First cousins
- Child/ren of first cousins
Business Development Loan Facility – a lending facility of the SSS designed to contribute
to the nation’s economic growth and development by providing financial assistance to
the business sector for the purpose of increasing productivity and enhancing potential
earning through expansion, diversification, and other business development projects.
Compensation – refers to all actual remuneration from employment, including all allowances
that are not subject to reimbursement, bonuses, except Christmas bonus or 13th month
pay, whichever is applicable, and the cash value of any remuneration paid in any
medium other than cash, except that part of the remuneration received during the month
in excess of the maximum salary credit prescribed under Section 18 of RA 1161, as
amended by RA 8282.
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Compulsory Coverage – is the mandatory registration of employees, employers and self-
employed persons with the SSS, with corresponding payment and remittance of social
security contributions.
Contingency – is the sickness or injury, maternity, disability, retirement and death of the
member.
Contribution – refers to the amount to be paid to the SSS by and on behalf of the members.
Contributions Payment Return Form – is the form used by both employer and individual
members when paying their contributions to the SSS and to the Employees’
Compensation (only for employers); the form also contains a ‘Declaration of Earnings’
portion wherein the individual member can declare a change in his/her monthly
earnings, which shall be the basis of the new monthly salary credit until revised.
Contribution Collection List – also known as SSS Form R-3. This form is submitted
quarterly by employers and contains a summary of employees’/house helpers’
contributions collected monthly through salary deduction.
Credited Years of Service (CYS) – are the years from which the SSS shall base, among
others, in computing the benefits that the members and their beneficiaries shall receive
and are determined using the following formulas:
b) For a member covered in or after January 1985 until December 2001, the CYS shall
be the sum of the number of calendar years in which six (6) or more contributions
have been paid from the year of coverage up to the calendar year containing the
semester of contingency.
Death Benefits – benefits paid, either as monthly pension or lump sum, to the beneficiaries of
a deceased member.
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Dependents – refers to the following:
a) The legal spouse entitled by law to receive support from the member;
b) The legitimate, legitimated or legally adopted, and illegitimate child who:
- is unmarried, not gainfully employed, and has not reached 21 years of age;
- if over 21 years of age, he/she must be incapacitated and incapable of self-support
due to physical or mental disability which is congenital in nature or acquired
during minority;
- conceived on or before the date of total disability or death of the member; or
conceived before or after the retirement of the member;
c) The parent/s who received support from the member.
Dependent’s Pension – is the benefit paid monthly to each dependent child, but not
exceeding five (5), beginning with the youngest and without substitution. Where there
are both legitimate and illegitimate children, the legitimate shall be preferred. The
amount of dependent’s pension is equivalent to ten percent (10%) of the member’s
monthly pension, or P250, whichever is higher.
Eighteen (18) Months Advance Pension – the first eighteen (18) months pension paid out
in lump sum, discounted at a preferential rate of interest to be determined by the SSS,
which the member chose to receive in advance. This option is exercised only at the time
of filing the retirement claim. The dependent’s pension and 13th month pension are
excluded from the advanced amount.
Employer – Any person – natural or juridical, domestic or foreign – who uses and pays for the
services of another person in any business, trade, industry, activity or undertaking. This
includes, but is not limited to, the following:
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c) A person who uses and pays for the services of a house helper. For this purpose, the
husband or wife or any person who actually pays the compensation for such services
shall be deemed the Household Employer.
Employer Registration Form – also known as SSS Form R-1. This form is used by
employers in registering with the SSS and applying for an Employer SS Number. The SSS
Form R-1 includes the employer’s contact details, nature of business, names of owners
and managing heads.
Employer Data Change Request Form – also known as SSS Form R-8. This is used for the
correction, change, and updating of an Employer’s data record and status of business
operations. This Form should be signed by the required signatory, supported by the
original and photocopy of appropriate documents, if any, showing the Effectivity Date.
Under certain conditions, the Form should also be duly notarized.
a) Employment purely casual and not for the purpose of occupation or business of the
employer;
b) Service performed on or in connection with an alien vessel by an employee if he is
employed when such vessel is outside the Philippines;
c) Service performed in the employ of the Philippine Government or instrumentality or
agency thereof;
d) Service performed in the employ of a foreign government or international
organization, or their wholly-owned instrumentality. However, any foreign
government, international organization or their wholly-owned instrumentality
employing workers in the Philippines or employing Filipinos outside of the
Philippines, may enter into an agreement with the Philippine Government for the
inclusion of such employees in the SSS except those already covered by their
respective civil service retirement systems; and
e) Such other services performed by temporary and other employees, which may be
excluded by regulation of the SSC. Employees of bona fide independent contractors
shall not be deemed employees of the employer engaging the services of said
contractors.
Employment Report Form – also known as SSS Form R-1A. This is used by employers to
report newly-hired employees and their hiring dates, their respective SS Numbers and
salaries, as well as separated or terminated employees and their dates of separation,
among others.
Farmer – any person whose primary livelihood, either by himself/herself or spouse and/or
immediate members of his/her family, is cultivation and tillage of the soil, dairying,
growing and harvesting of agricultural and horticultural products.
Fisherman – any person whose primary livelihood, either by himself/herself or spouse and/or
immediate members of his/her family, is fishing, catching, raising, or gathering marine
and other aquatic products.
Fixed Charges – recurring expense such as amortization of debt discount and rentals for
leased properties, including interest on funded and unfunded debt.
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Funeral Benefit – cash grant paid to help defray the cost of funeral expenses upon the death
of a member.
House Helper or Kasambahay – is any person who renders domestic or household services
exclusively in the employer’s home, including other areas that the household employer
may designate, and to the members of the employer’s household, and who receives
compensation for such services.
Kasambahay Unified Registration Form – also known as PPS-KUR Form. This is a three-
in-one form used by a house helper to register and get membership numbers from the
three (3) agencies: the SSS, PhilHealth and Pag-IBIG Fund. The Form, with the required
documents, may be submitted to any one of the three agencies.
Loans Collection List – also known as SSS Form ML-2. This is used by employers in
reporting a summary of all employees’ loan amortization payments deducted and
remitted to SSS.
Lump sum amount – one-time cash benefit paid in the following situations:
Maternity Benefit – daily cash allowance granted to a female member who was unable to
work due to childbirth or miscarriage.
Member Data Amendment Form – also known as SSS Form E-4. This form is used for the
correction, change, and updating of an individual member’s data record.
Member Loan Payment Return Form – also known as SSS Form ML-1. This form is used
by members when paying their loan amortizations.
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Monthly – the period from one end of the last payroll period of the preceding month to the end
of the last payroll period of the current month, if compensation is on hourly, daily or
weekly basis; if on any other basis, ‘monthly’ shall mean a period of one (1) month.
Monthly Pension – lifetime cash benefit paid to a retiree or to a disabled member (who
suffers from permanent total disability or permanent partial disability), as well as to the
primary beneficiaries of a deceased member who has met the required number of
contributions to qualify for the monthly pension.
Monthly Salary Credit – the compensation base for contributions and benefits related to the
member's total earnings for the month, as indicated in the schedule in Section 18 of the
SS Law.
My.SSS – online service portal within the SSS Website that allows registered SSS members safe
and exclusive access to their contributions and membership records. Thru this portal,
they may also make online transactions, set appointments with an SSS branch, and
submit certain report and claim forms, among others.
Net Earnings – net income before taxes plus non-cash charges such as depreciation and
depletion appearing in the regular financial statement of the issuing or assuming
institution.
Non-Working Spouse (NWS) – a married person who devotes full time in the management
of his/her household and family affairs, unless he/she is engaged in other vocation or
employment that is subject to mandatory coverage. An NWS should:
Notification – the act of formally informing both the employer and the SSS of an employee’s
sickness, pregnancy, or work-related injury within the required notification period, in
compliance with the rules on the Sickness, Maternity and EC benefits. For members
separated from employment, self-employed, and voluntary members, they shall directly
notify the SSS of their sickness or pregnancy within the required notification period, in
compliance with the rules on the Sickness and Maternity benefits.
One-Month Salary Loan – the average of a member’s latest twelve (12) MSC, or amount
applied for, whichever is lower.
Overseas Filipino Worker – any of the following types of OFW who is not over 60 years old
(up to 60th birthday):
a) Recruited in the Philippines by a foreign-based employer for employment abroad;
b) Having a source of income in a foreign country; or
c) Residing permanently in a foreign country.
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Permanent Disability Benefit – cash benefit paid to a member who suffers either
permanent partial or total disability, and who has at least one (1) monthly contribution
paid to the SSS prior to the semester of contingency.
Personal Record Form – also known as SSS Form E-1. This form is used by an individual
who registers with the SSS to secure an SS number for employment purposes.
Prescriptive Period – the period of time in which a member or a beneficiary must file a claim
for benefit or re-adjudication of an earlier settled benefit claim. After the lapse of this
period, the claim for benefit or re-adjudication will be denied.
Quarter – a period of three (3) consecutive calendar months ending on the last day of March,
June, September, and December.
Re-adjudication – the act of reviewing, re-verifying and re-calculating a settled benefit claim,
upon the request of a member or beneficiary, to determine correctness of the beneficiary
or the amount of benefit granted.
Retirement Benefit – cash benefit, either in monthly pension or lump sum amount, paid to a
member who can no longer work due to old age.
Semester – a period of two (2) consecutive quarters ending in the quarter of contingency.
Sickness Benefit – daily cash allowance paid for the number of days a member is unable to
work due to sickness or injury.
Specimen Signature Card – also known as SSS Form L-501. This is a form submitted by
employers upon registration and updated annually thereafter, containing the names and
signatures of the designated company officials/persons authorized to certify or sign SSS
documents.
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Social Development Loan Facility – a lending facility of the SSS designed to provide long-
term loan assistance for the development of facilities and establishments or institutions
that provide quality education or other academic training programs, and affordable
medical or health care-related services to the general population, and to SSS members
and their dependents.
Thirteenth (13th) Month Pension – an additional one-month pension given as bonus every
December to retirement, disability and death pensioners.
Two-Month Salary Loan – the loan amount that is equivalent to two (2) times the average of
the member’s latest twelve (12) posted MSCs, rounded to the next higher MSC, or the
amount applied for, whichever is lower.
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Glossary of Acronyms
ACOP - Annual Confirmation of Pensioners
ACR - Authorized Company Representative
ADA - Automatic Debit Arrangement
ADSC - Average Daily Salary Credit
AMSC - Average Monthly Salary Credit
AO - Administrative Order
AR - Authorized Representative
AWOL - Absence Without Leave
BFAR - Bureau of Fisheries and Aquatic Resources
BIR - Bureau of Internal Revenue
CDA - Cooperative Development Authority
CENOMAR - Certificate of No Marriage
COMELEC - Commission on Elections
CRN - Common Reference Number
CYS - Credited Years of Service
D&C - Dilation and Curettage
DILG - Department of Interior and Local Government
DCA - Death Claim Application
DisCA - Disability Claim Application
DOC - Date of Coverage
DOH - Department of Health
DOLE - Department of Labor and Employment
DTI - Department of Trade and Industry
ECC - Employees’ Compensation Commission
ECG - Electrocardiogram
EC Program - Employees’ Compensation Program
EDI - Electronic Data Interchange
EE - Employee
E-Payment - Electronic Payment
ER - Employer
FBS - Fasting Blood Sugar
GSIS - Government Service Insurance System
HMO - Health Maintenance Organization
H-mole - Hydatidiform Mole
HR - Household Employer
ICD-10 - International Classification of Diseases and Related Health Problem Codes
ITF - In-Trust-For
ITR - Income Tax Return
LCR - Local Civil Registrar
LGU - Local Government Unit
LOA - Letter of Authorization
LOI - Letter of Introduction
LTFRB - Land Transportation and Franchising Regulatory Board
LTO - Land Transportation Office
MARINA - Maritime Industry Authority
MB - Member-Borrower
MBA - Maternity Benefit Application
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MBRA - Maternity Benefit Reimbursement Application
MES - Medical Evaluation Section
MN - Maternity Notification
MRI - Magnetic Resonance Imaging
MSC - Monthly Salary Credit
NBI - National Bureau of Investigation
NDRRMC - National Disaster Risk Reduction and Management Council
NWS - Non-Working Spouse
OEC - Overseas Employment Certificate
OFW - Overseas Filipino Worker
OR - Official Receipt
ORR - Operating Room Record
OTC - Over-the-Counter
OWWA - Overseas Workers Welfare Administration
Pag-IBIG - Home Development Mutual Fund
PCAB - Philippine Contractors Accreditation Board
PD - Presidential Decree
PEC - Physical Examination Center
PEI - Physical Examination and Interview
PhilHealth - Philippine Health Insurance Corporation
PNP - Philippine National Police
POEA - Philippine Overseas Employment Administration
PPD - Permanent Partial Disability
PSA - Philippine Statistics Authority (formerly National Statistics Office/NSO)
PTD - Permanent Total Disability
PWRD - Person with Work-Related Disability
RA - Republic Act
RCA - Retirement Claim Application
SBA - Sickness Benefit Application
SBR - Special Bank Receipt
SBRA - Sickness Benefit Reimbursement Application
SE - Self-Employed
SEC - Securities and Exchange Commission
SLERP - Salary Loan Renewal Program
SMB-PTB - Sickness and Maternity Benefits Payment thru-the-Bank
SN - Sickness Notification
SSA - Social Security Agreement
SSC - Social Security Commission
SSIT - Self-Service Information Terminal
SS Law - Social Security Law
SPA - Special Power of Attorney
SS - Social Security
SSS - Social Security System
TIN - Taxpayer’s Identification Number
TL - Transmittal List
TODA - Tricycle Operators and Drivers Associations
UMID - Unified Multi-purpose Identification card
VM - Voluntary Member
WHO - World Health Organization
WINS - Web Inquiry System
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