How many days in a year can a member be granted sickness
SSS Benefits/Health Benefits benefit?
Sickness Benefit
FOR SELF-EMPLOYED, VOLUNTARY, OVERSEAS FILIPINO
WORKER (OFW), NON-WORKING SPOUSE (NWS), AND
MEMBER SEPARATED FROM EMPLOYMENT
• A daily cash allowance paid for the number of days a
member is unable to work due to sickness or injury.
Qualifying Conditions
A member is qualified to avail of this benefit if he/she:
1. Is unable to work due to sickness or injury and is
confined either in a hospital or at home for at least four
(4) days;
2. Has paid at least three (3) months of contributions within
the 12-month period immediately preceding the
semester of sickness or injury
3. Has duly notified the SSS directly of the fact of sickness
or injury.
Amount of Benefit
The amount of the member’s daily sickness benefit allowance is
equivalent to ninety percent (90%) of his/her average daily salary
credit (ADSC).
1. Exclude the semester of contingency.
- A semester refers to two (2) consecutive quarters
ending in the quarter of sickness.
- A quarter refers to three (3) consecutive months
ending in March, June, September, or December
2. Count twelve (12) months backwards starting from the
month immediately before the semester of contingency.
3. Select the six (6) highest monthly salary credits within
the 12-month period to arrive at the total monthly salary
credit.
- Monthly salary credit (MSC) refers to the
compensation base for contributions and benefits
related to the total earnings for the month.
4. Divide the total monthly salary credit by 180 days to get
the average daily salary credit (ADSC).
5. Multiply the ADSC by ninety percent (90%) to get the
daily sickness allowance.
6. Multiply the daily sickness allowance by the approved
number of days to arrive at the amount of benefit due.
FREQUENTLY ASKED QUESTIONS:
Page 1 of 6
A member can be granted sickness benefit for a
maximum of 120 days in one (1) calendar year. Any unused portion
cannot be carried forward/added to the total number of allowable
compensable days for the following year.
The sickness benefit shall not be paid for more than 240
days on account of the same illness. If the sickness or injury
persists after 240 days, the claim will be considered a disability
claim.
What is the prescriptive period in the filing of sickness benefit
claim?
FILING OF SICKNESS BENEFIT APPLICATION (SBA) FORM
• HOME CONFINEMENT - SBA Form must be submitted
to SSS within five (5) calendar days after the start date
of confinement.
• HOSPITAL CONFINEMENT - SBA Form must be
submitted to SSS within one (1) year from the date of
hospital discharge.
NOTE: Starting August 18, 2015, OFW-members are given a 30-
day grace period beyond the existing five-day prescriptive period
in the filing of sickness benefit application. This is to address the
concern that due to the distance between their place of
work/residence and the nearest SSS foreign branch, their claim for
sickness benefit are often penalized for late filing. The additional
30-day grace period shall be applied only to cases that do not
require hospital confinement.
What are the implications of late filing?
Failure to observe the rule on notification shall be a
ground for the reduction or denial of the sickness claim application.
If the member notifies the SSS beyond the prescribed five-day
period, the confinement shall be deemed to have started not earlier
than the fifth (5th) day immediately preceding the date of
notification.
EXAMPLE: The member gets sick and was confined at home from
March 1 to 31, 2019 for a total of 31 days. The notification was
done on March 8, 2019 (two days late).
- Notification should have been made between March
2 to 6, 2019 or within five (5) calendar days after the
start date of confinement.
- Hence, the compensable period will be from March 3
to 31, 2019 only for a total of 29 days
What if the last day of filing falls on a weekend or a holiday?
Whenever the last day to notify the SSS of a member’s
sickness or injury falls on a Saturday, Sunday, or holiday, the
sickness benefit application may be filed on the immediately
succeeding working day without the penalty of delay.
Holiday refers to the legal, regular, or special non-working
day declared by the government, both national and local.
The same rule shall also be applied for hospital
confinement, if the deadline of the one-year prescriptive period falls
on a Saturday, Sunday, or a holiday.
What is the disbursement procedure of sickness benefit
payment?
[SUB] 1.01 TITLE OF LECTURE – Dr. Professor
The sickness benefit claims shall be mandatorily signature and at least one
disbursed through the qualified payee’s Unified Multi-purpose with photo.
Identification (UMID) card enrolled as Automated Teller Machine
(ATM) card. In the absence of this, payment shall be made thru NOTE:
participating banks under the Development Bank of the Philippines For sickness/injury that happened abroad, the documents
(DBP) Disbursement Facility via the Philippine Electronic Fund issued by foreign country should be with English translation and
Transfer System and Operations Network (PESONet), electronic duly authenticated by the Philippine Embassy/Consulate Office or
wallets (E-Wallets), or accredited remittance transfer companies duly notarized by notary public in host country.
(RTCs)/cash payout outlets (CPOs). The SSS Medical Specialist may require the submission
Hence, self-employed, and voluntary members, including of additional medical records/documents necessary for the
OFWs and those separated from employment, shall be required to evaluation of the claim.
enroll the following details in the Disbursement Account Enrollment
Module and upload proof of account in the My.SSS Facility in the What are the additional documentary requirements?
SSS website:
• If through PESONet participating banks: Bank name For Self-Employed/Voluntary Member (previously employed)
and account number • If confinement period applied for is within the period of
• If through E-wallet: Mobile number linked to bank account employment or prior to date of separation:
number Certificate of separation from employment with
• If through RTC/CPO: Mobile number effective date of separation and no advance payment was
granted (signed by the employer’s authorized signatory as
Members shall be notified by SSS thru email or SMS upon reflected in the Specimen Signature Card or SS Form L-
crediting of their sickness benefit claims to their PESONet bank/E- 501)
wallet accounts, or if payment is already available through
RTCs/CPOs. For Member Separated from Employment
Crediting of benefit payments shall be made within five (5) • If confinement period applied for is within the period of
banking days from date of settlement. employment or prior to date of separation:
Certificate of separation from employment with
What are the documentary requirements? effective date of separation and no advance payment was
1. Sickness Benefit Application (SBA) Form granted (signed by the employer’s authorized signatory as
2. SS ID/UMID card or any valid primary ID reflected in SS Form L-501)
cards/documents, as follows: • If confinement period applied for is after the date of
a. Driver’s License separation:
b. Passport Certificate of separation from employment with
c. Voter’s ID Card effective date of separation (signed by the employer’s
d. National Bureau of Investigation (NBI) authorized signatory as reflected in SS Form L-501
Clearance
e. Postal Identity Card NOTE: Certificate of separation is not required for self-employed
f. Any other government-issued (secondary) ID and voluntary members (previously employed) or those separated
cards/documents from employment under any of the following conditions in which
3. Supporting medical documents for prolonged other supporting document/s shall be required to be submitted as
confinement/sickness, if any: follows:
a. Laboratory, X-ray, ECG, and other diagnostic • If company is on strike:
results o Notice of strike duly acknowledged by the
b. Operating room/clinical record that will support Department of Labor and Employment (DOLE);
diagnosis and
o Duly notarized Affidavit of Undertaking issued by
FILER DOCUMENTS TO BE the member stating that no advanced payment
PRESENTED was granted
Member Original of any one (1) of the • If company has been dissolved or has ceased operation:
member’s primary ID o Duly notarized Affidavit of Undertaking issued by
cards/documents or two (2) the member stating that no advanced payment
secondary ID was granted and with indicated effective date of
cards/documents, both with separation
signature and at least one • If there is a case pending before a court regarding
with photo. separation of member:
Member's authorized Original of any one (1) of the o Certification from DOLE; and
representative member’s primary ID o Duly notarized Affidavit of Undertaking issued by
cards/documents or two (2) the member stating that no advanced payment
secondary ID was granted and with indicated effective date of
cards/documents, both with separation
Page 2 of 6
[SUB] 1.01 TITLE OF LECTURE – Dr. Professor
• If separated from employment due to absence without
leave (AWOL) or with strained relations with the
employer:
o Duly notarized Affidavit of Undertaking issued by
the member stating that no advanced payment
was granted and with indicated effective date of
separation
Where can the member file the sickness claim?
The sickness benefit application may be filed by self-
employed and voluntary members, and those separated from
employment at any SSS branch that is most convenient to them
Maternity Benefit
A daily cash allowance granted to a female member who
is unable to work due to childbirth or miscarriage/emergency
termination of pregnancy
Qualifying Conditions
• The member has paid at least three (3) months of
contributions within the 12-month period immediately
before the semester of her childbirth or
miscarriage/emergency termination of pregnancy
• If employed, she must have given notification of her
pregnancy through her employer
• She must directly notify the SSS if she is separated from
employment, a self-employed or voluntary member
including OFW member.
Amount of Benefit
The amount of the member's daily Maternity Benefit allowance is
equivalent to the Average Daily Salary Credit (ADSC)
ADSC = Ave. MSC / 180
x 60 days for miscarriage/emergency termination of pregnancy
x 105 days for live childbirth (normal or caesarean section
delivery)
x 120 days for solo parent under R.A. 8972 (Solo Parents'
Welfare Act of 2000)
105 days + 15 days
The Maternity Benefit is granted to a qualified female worker in
every instance of pregnancy, miscarriage or emergency
termination of pregnancy regardless of frequency.
Other supporting documents may be requested depending on your
claim.
• Expanded Maternity Leave Law or R.A. No. 11210
Disability Benefit
A cash benefit granted either as a monthly pension or a
lump sum amount to a member who becomes permanently
disabled, either partially or totally
Qualifying Conditions
• The member has paid at least 1 month of contribution
before the semester of disability
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• To qualify for a monthly disability pension, he/she must
have paid at least 36 monthly contributions prior to the
semester of disability.
• If with less than 36 monthly contributions, he/she is
granted a lump sum amount.
Amount of Benefit
• If qualified, the member is granted a monthly pension,
plus a P500 monthly supplemental allowance
• The minimum monthly Disability Pension is P1,000 if the
member has less than ten (10) credited years of service
(CYS); P1,200 if with at least ten (10) CYS; and P2,400 if
with at least twenty (20) CYS.
• Plus P1,000 additional benefit, effective January 2017
• Other supporting documents may be requested
depending on your claim.
Retirement Benefit
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.
Types of retirement benefits
• Monthly pension – a lifetime cash benefit paid to a
retiree on aregular basis.
• 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
Qualifying Conditions
Member must have paid at least 120 monthly contributions prior to
the semester of retirement and is any of the following, whichever is
applicable:
• at least 60 years old and separated from employment or
has ceased to be an SE/OFW/Household Helper (optional
retirement);
• at least 65 years old whether still employed/SE, working
as OFW/Household Helper or not (technical retirement);
• at least 55 years old and separated from employment or
has ceased to be an SE, if an “underground mineworker”
(optional retirement);
• at least 60 years old whether still employed/SE or not, if
an “underground mineworker” (technical retirement); or
• 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).
A former retiree-pensioner whose monthly
pension was suspended due to reemployment/self-
employment and is now separated from employment or
has ceased to be an SE.
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.
Terms and conditions for retirement of Underground
Mineworkers
[SUB] 1.01 TITLE OF LECTURE – Dr. Professor
An Underground Mineworker is any person employed to
extract mineral deposits underground or whose workplace is
beneath the ground performing and coordinating activities for the
purpose of searching for and extracting mineral deposits, which
includes the muckers,miners, bull-gang workers, etc. and any other
person working underground regardless of positions such as
geologist, security guards, mechanics or sampler.
Lump sum amount
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.
Death Benefit
A cash benefit granted - either as a monthly pension or a
lump sum amount to the beneficiaries of a deceased member.
Qualifying Conditions
• A monthly death pension is granted to the primary
beneficiary/ies of the deceased member who had paid at
least 36 monthly contributions prior to the semester of
death
o Primary beneficiary/ies:
▪ the dependent spouse until he/she
remarries, and
▪ dependent legitimate, legitimated or
legally adopted and illegitimate children
who are below 21 years old, not
gainfully employed, not married.
• Meanwhile, a lump sum amount is granted to:
o the beneficiary/ies of the deceased member who
has paid less than 36 monthly contributions prior
to the semester of death.
o If there are no primary beneficiaries, the
member’s secondary beneficiaries (dependent
parents) shall be given a lump sum amount.
o A lump sum amount is also granted to:
▪ designated beneficiary/ies and legal
heirs in the absence of primary and
secondary beneficiaries
Amount of Benefit
• If qualified, the member’s primary beneficiary is granted a
monthly death pension, plus a 13th Month Pension every
December.
• If the member has dependent minor children, they are
given a Dependent’s Pension equivalent to ten percent
(10%) of the member’s monthly pension, or P250.00
whichever is higher.
o Only five (5) minor children, beginning from the
youngest, are entitled to Dependent’s Pension.
o No substitution is allowed.
• The minimum monthly Death Pension is P1,000 if the
member had less than ten (10) Credited Years of Service
Page 4 of 6
(CYS); P1,200 if with at least with ten (10 CYS); and
P2,400 if with at least twenty (20) CYS.
• Plus P1,000 additional benefit, effective January 2017.
• Other supporting documents may be requested
depending on your claim
Funeral Benefit
A cash benefit given to whoever paid for the burial
expenses of the deceased member.
Qualifying Conditions
• The employee-member was reported for coverage by
his/her employer.
• A self-employed member/OFW/non-working spouse who
had at least one (1) contribution payment.
• A voluntary member who was previously covered either
as an employed/self-employed/OFW and had at least one
(1) contribution payment.
• The employee-member was subject to compulsory
coverage but was not reported for coverage by his/her
employer.
Amount of Benefit
• The Funeral Benefit is a variable amount ranging from a
minimum of P20,000.00 to maximum of P40,000.00,
depending on the member’s number of paid contributions
and average monthly salary credit.
Unemployment Benefit
• Also called Unemployment Insurance or Involuntary
Separation Benefit
• It is a cash benefit granted to covered employees,
including kasambahays and OFWs (sea-based and land-
based) who are involuntarily separated from employment
(e.g. due to retrenchment or downsizing, closure or
cessation of operation, installation of labor-saving
devices, redundancy, etc.)
Qualifying Conditions
• Member should not be over 60 years old at the time of
involuntary separation; not over 50 if an underground or
surface mineworker; and not over 55, if a racehorse
jockey.
• Member has paid at least 36 monthly contributions, 12
months of which should be in the 18-month period
immediately preceding the month of involuntary
separation.
Note:
An employee shall not be qualified to receive the benefit if he/she
has been involuntarily separated from employment due to the
following:
• Serious misconduct;
• Willful disobedience to lawful orders;
• Gross and habitual neglect of duties;
• Fraud or willful breach of trust/loss of confidence;
• Commission of a crime or offense; or
• Analogous cases like abandonment, gross inefficiency,
disloyalty/ conflict of interest/ dishonesty.
[SUB] 1.01 TITLE OF LECTURE – Dr. Professor
Amount of Benefit
• If qualified, the employee is granted an amount that is
equivalent to twice the half of the member’s average
monthly salary credit (AMSC).
• The benefit is granted thru a one-time payment, and the
claim must be filed within a year from the date of
involuntary separation.
Employees' Compensation (EC) Program
The Employees' Compensation (EC) program aims to assist
workers who suffer work-connected sickness or injury resulting in
disability or death. The benefits under the EC program may be
enjoyed simultaneously with benefits under the social security
program effective June 1984.
Under what conditions can an injury, sickness or death be
compensable under EC?
A sickness, injury, disability or death resulting from an employment
accident is compensable if:
• The employee is injured at the workplace;
• The employee is performing official functions; and
• If the injury is sustained elsewhere, the employee is
executing an order for the employer.
Under what conditions can an injury, sickness or death be
deemed incompensable under EC?
No compensation will be allowed to an employee or the
dependents if the injury, sickness, disability or death is due to:
• drunkenness;
• willful intention to injure or kill himself or another; or
• notorious negligence.
What should an employee do to file for an EC claim?
The employer should be notified of the member's
sickness, injury or death within five days from the occurrence of the
contingency. Notice is not necessary if the contingency occured
during working hours, at the place of work and with the knowledge
of the employer or representative.
On the other hand, what should the employer do upon the
employee's submission of his notice?
Pursuant to Section 2 Rule XVI - Employer's Records and
Notices of PD 626 or the Employee?s Compensation Law, all
employers are required to keep a logbook to record chronologically
the sickness, injury or death of their employees setting forth therein
their names, dates and places of contingency and absences.
Entries in the logbook shall be made within five (5) days from notice
of knowledge of the occurrence of the contingency. Within five (5)
days after entry in the logbook, the employer shall report to the
SSS those contingencies it deems to be work-connected.
All entries in the employer's logbook shall be made by the
employer or any of the authorized official after verification of the
contingencies or the employee's absence for a period of a day or
more. Upon request by the System, the employer shall furnish the
necessary certificate regarding information about any contingency
appearing in the logbook, citing the entry number, page number
and date. Such logbook shall be made available for inspection to
the duly authorized representative of the System.
Page 5 of 6
What will happen if the employer fails to record the sickness,
injury or death of any of the employees in the logbook?
Failure of the employer to keep a logbook or to give false
information or withold material information already in possesion
shall make the employer liable for fifty per cent (50%) of the lump
sum equivalent of the income benefit to which the employee may
be found to be entitled, the payment of which shall accrue to the
State Insurance Fund.
In case of payment of benefit for any claim which is later
determined to be fraudulent and the employer is found to be a party
to the fraud, such employer shall reimburse the System the full
amount of the compensation paid.
Who are the legal dependents of a member?
The primary beneficiaries of a member are the:
1. legitimate spouse living with the employee at the time of
his/her death until he remarries; and the
2. legitimate, legitimated, legally adpoted or acknowledged
natural children, who are unmarried, not gainfully
employed, not over 21 years of age, or over 21 years of
age, provided that they are incapacitated and incapable
of self-support due to physical or mental defect which is
congenital or acquired during minority; provided further,
that a dependent acknowledged natural child shall be
considered as a primary beneficiary only when there are
no other dependent children who are qualified and eligible
for monthly income benefit; provided finally, that if there
are two or more acknowledged natural children, they shall
be counted from the youngest and without substitution,
but not exceeding five (ECC Resolution No. 2799, July 25,
1984)
The secondary beneficiaries are the:
1. legitimate parents wholly dependent upon the employee
for regular support:
2. the legitimate descendants and illegitimate children who
are unmarried , not gainfully 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 defect which is congenital or acquires
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.
Links/References (if you want to read and explore further):
https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=ecprog
ram02
https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=ssbene
fits
[SUB] 1.01 TITLE OF LECTURE – Dr. Professor

Page 6 of 6

Types of Benefit
There are two types of retirement benefit:
 Monthly pension - a lifetime cash benefit
paid to a retiree who has paid at least 120
monthly contributions to the SSS prior to the
semester of retirement.
 Lump sum amount - granted to a retiree who
has not paid the required 120 monthly
contributions. It is equal to the total
contributions paid by the member and by the
employer including interest.
MONTHLY PENSION
A lifetime cash benefit paid to a retiree who has
made at least 120 monthly contributions prior to
the semester of retirement. The monthly pension
is paid for not less than 60 months.
Benefit Computation
The monthly pension depends on the member’s
paid contributions, his or her credited years of
service (CYS), and the number of dependent
children, which should not exceed five. The
amount of monthly pension will be the highest
result of the following formulae:
1. the sum of P300 plus 20 percent (20%) of the
average monthly salary credit plus two
percent (2%) of the average monthly salary
credit for each CYS in excess of 10 years; or
2. 40 percent (40%) of the average monthly
salary credit; or
3. P1,200, if with at least 10 CYS; P2,400, if
with at least 20 CYS.
A retiree has the option to receive the first 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.
The retiree will receive the regular monthly
pension on the 19th month and every month
thereafter.
If a member who filed for optional retirement
at age 60, becomes re-employed, and then re-
applies for technical retirement at age 65, his
monthly pension will be the higher of the
following:
1. the monthly pension computed at the
earliest time the member could have
retired had he been separated from
employment or ceased to be self-
employed, plus all adjustments thereto; or
2. the monthly pension computed at the
time when the member actually retires. A
pensioner who retires more than once
shall be entitled to the higher of:
 o the monthly pension computed for
the first retirement claim; or
o the re-computed monthly pension for
the new claim.
Other Benefits
The retiree is entitled to a 13th Month Pension
payable every December.
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.
Dependent’s Pension
The legitimate, legitimated or legally adopted,
and illegitimate children – conceived or adopted
on or before the date of retirement of a retiree –
will each receive dependent’s pension equivalent
to 10 percent (10%) of the member’s monthly
pension, or P250, whichever is higher.
Only five (5) minor children, beginning from the
youngest, are entitled to the dependent’s
pension. No substitution is allowed. If there are
more than five dependents, the legitimate,
legitimated or legally adopted children shall be
preferred.
Who are "Dependents"?
Those considered "Dependents" are as follows:
1. Legitimate, legitimated, legally adopted
and illegitimate child who is:
 unmarried;
 not gainfully employed; and
 has not reached 21 years of age, or if
over 21 years old, he/she is
congenitally incapacitated or while
still a minor was permanently
incapacitated and incapable of self-
support, physically or mentally.
2. A child who has entered into a common-
law relationship and has not attained the
age of eighteen.
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.
Until when is Dependent's Pension paid out?
Payment of the Dependent's Pension shall
stop when the dependent:
 dies;
 reaches 21 years old, unless
congenitally incapacitated, or while
still a minor was permanently
incapacitated and incapable of self-
support, physically or mentally;
 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.
“Gainfully employed” refers to one who is
employed/self-employed where he/she renders
regular work and receives compensation or
derives income for at least six (6) continuous
months in any given year, as shown in the
member’s contributions records/Annual
Confirmation of Pensioner (ACOP), or based on
findings.
Suspended dependent’s pension of a gainfully
employed dependent may be resumed, upon
submission of proof that he/she was
separated from employment or ceased to be
self-employed and provided that he/she is
unmarried and has not reached 21 years of age,
or if over 21 years of age, he/she is congenitally
incapacitated or while still a minor was
permanently incapacitated and incapable of
self-support, physically or mentally.
Benefit Payment
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.
A member must open a single savings account
and submit to the SSS his savings account
number and a photocopy of his passbook upon
filing of his application, or he may accomplish
the Visa Cash Card Enrollment Form. The
original copy of the 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.
 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 can already claim for retirement
benefit.
 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 sixty
(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.
LUMP SUM AMOUNT
To qualify for lump sum retirement benefit, a
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.
 Payment of Lump sum Benefit

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.

Upon filing of benefit application, 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:

 the savings account passbook;

 the ATM card bearing the
member’s name and account
number;
 a validated initial deposit slip;
 bank statement or certification;
or
 Visa Cash Card Enrollment Form.

The original passbook/ATM card must

be presented for authentication
purposes.

For members without an existing single

savings account, the SSS shall issue a
Letter of Introduction (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.
 
 Summary of SSS Benefits
I. Sickness
● A daily cash allowance paid for the number
of days a member is unable to work due to
sickness or injury.
Qualifying - The member is unable to work
Conditions due to sickness or injury and is
confined either in a hospital or
at home for at least four (4)
days.
- He/she has paid at least three
(3) months of contributions
within the 12-month period
immediately before the
semester of sickness or injury.
- He/she has used up all
company sick leaves with pay
for the current year and has
duty notified his/her employer.
- He/she must notify the SSS
directly by filing a sickness
benefit application if he/she is
separated from employment, a
self-employed or voluntary
member, including overseas
Filipino worker (OFW)
member.
Amount of - The amount of the member’s
Benefit daily Sickness Benefit
allowance is equivalent to
ninety percent (90%) of his/her
average daily salary credit
(ADSC).
- The Sickness Benefit is
granted up to a maximum of
120 days in one (1) calendar
year.
II. Maternity
● A daily cash allowance granted to a female
member who is unable to work due to
childbirth or miscarriage.
● Expanded Maternity Leave per RA No.
11210.
Qualifying - The member has paid at least
Conditions three (3) monthly contributions
in the 12-month period
immediately preceding the
semester of childbirth,
miscarriage or emergency
termination of pregnancy.
- If employed, she must have
notifies her employer of her
pregnancy and the probable
date of her childbirth, notice of
which shall be transmitted to
the SSS in accordance with the
rules and regulations it may
provide.
- She must directly notify the
SSS is she is unemployed, a
self-employed or voluntary
member, non-working spouse,
including OFW-member.
Amount of - The amount of the daily cash
Benefit allowance is equivalent to
100% of the member’s ADSC
for a compensable period of
105 days for normal or
cesarean section delivery, 120
days for solo parents under
R.A. 8972 or the Solo Parent’s
Welfare Act, or 60 days for
miscarriage or emergency
termination of pregnancy
including stillbirth.
- The Maternity Benefit is
granted regardless of
member’s civil status and
frequency of pregnancy.
III. Disability
● A cash benefit granted – either as a monthly
pension or a lump sum amount – to a
member who becomes permanently
disabled, either partially or totally.
Qualifying - The member has paid at least
Conditions one (1) month contribution
before the semester of
disability.
- To qualify for a monthly
disability pension, he/she must
have paid at least 36 monthly
contributions prior to the
semester of disability.
- If less than 35 monthly
contributions, he/she is
granted a lump sum amount.
Amount of - The minimum monthly
Benefit Disability Pension is P1,000 if
the member has less than ten
(10) credited years of service
(CYS); P1,200 if with at least
10 CYS; and P2,400 if with at
least 20 CYS.
- If qualified, the member is
granted a monthly Disability
Pension, plus P500 monthly
Supplemental Allowance.
- Dependent’s Pension (for total
disability) – 10% of the
member’s basic monthly
pension, or P250, whichever is
higher. Only five (5) dependent
minor children, beginning from
the youngest, are entitled to
dependent’s pension. No
substitution is allowed.
- Plus, P1,000 additional benefit
effective January 2017.
- 13th month pension – payable
every December to total
disability pensioners; for partial
disability pensioners, 13th
month pension shall be
provided that pension is at
least 12 months.
1

IV. Retirement
● A cash benefit granted – either as a monthly
pension or a lump sum amount – to a
member who can no longer work due to old
age.
Qualifying - Member is at least 60 years
Conditions old, separated from
employment or ceased to be
self-employed/OFW/household
helper (optional retirement).
- Member is at least 65 years
old, whether
employed/self-employed,
working as OFW/household
helper or not (technical
retirement).
- Member has paid at least 120
monthly contributions prior to
the semester of retirement.
- If with less than 120 monthly
contributions, the member
shall be entitled to a lump sum
amount equivalent to the
contributions paid by him/her
on his/her behalf. However,
member has the option to
continue paying contributions
to complete the 120 months to
become eligible for monthly
pension.
FOR SURFACE
UNDERGROUND MINWORKERS
- Member is at least 55 years
old (optional retirement) or at
least 60 years old (technical
retirement) for Underground
Mineworkers whose date of
actual retirement is not earlier
than March 13, 1998 but not
later than April 26, 2016.
- Member is at least 50 years
old (optional retirement) or at
least 60 years old (technical
retirement) for Surface or
Underground Mineworkers
whose date of actual
retirement is not earlier than
April 27, 2016.
- Must have been working as
Surface/Underground
Mineworker for at least five (5)
years (either continuous or
accumulated) prior to the
semester of retirement.
FOR RACEHORSE JOCKEYS
- Member is at least 55 years
old (technical retirement) and
have paid at least 120 monthly
contributions prior to the
semester of retirement.
- Must have been employed and
certified as racehorse jockey
by his employer, who must be
duly licensed by the Philippine
Racing Commission
(PHILRACOM).
- Must have been working as a
racehorse jockey for at least
five (5) years (either
continuous or accumulated)
prior to the semester of
retirement, whose actual fate
of retirement is not earlier than
May 24, 2016.
Amount of - If qualified, the member is
Benefit granted a monthly Retirement
Pension, plus a 13th Month
Pension payable every
December.
- If the member has dependent
minor children, they are
entitled to receive a
Dependent’s Pension
equivalent to 10% of the
member’s basic monthly
pension, or P250, whichever is
higher. Only five (5) dependent
minor children, beginning from
the youngest, are entitled to
Dependent’s Pension, No
substitution is allowed.
V. Death
● A cash benefit granted – either as a monthly
pension or a lump sum amount – to the
beneficiaries of a deceased member.
Qualifying - For primary beneficiaries to be
Conditions entitled to monthly pension,
deceased member must have
paid at least 36 monthly
contributions prior to the
semester of death.
- If with less than 36 monthly
contributions prior to the
semester of death, a lump
amount is granted to the
primary beneficiaries.
- Second/designated
beneficiaries and legal heirs
are entitled to lump sum
benefit only regardless of the
number of contributions paid
by the member.
Amount of - If qualified, the member’s
Benefit primary beneficiary is granted
a monthly Death Pension, plus
a 13th Month Pension payable
every December.
- If there are no primary
beneficiaries, the member’s
secondary beneficiaries
(dependent parents) shall be
given a lump sum amount. In
their absence, the lump sum
benefit is paid to the member’s
designated beneficiaries or
his/her legal heirs.
- If the member has dependent
minor children, they are
entitled to receive a
2
 Dependent’s Pension
equivalent to 10% of the
member’s monthly pension or
P250, whichever is higher.
Only five (5) minor children
beginning from the youngest,
are entitled to Dependent’s
Pension. No substitution is
allowed.
- The minimum monthly Deathly
Pension is P1,000 is the
member had less than 10
CYS; P1,200 if with at least 10
CYS and P2,400 if with at least
20 CYS.
- Plus, P1,000 additional benefit
January 2017.
VI. Funeral
● A cash benefit given to whoever paid for the
funeral expenses of the deceased member.
Qualifying - The employee-member was
Conditions reported for coverage by
his/her employer.
- A self-employed
member/OFW/non-working
spouse who had at least one
(1) contribution payment.
- A voluntary member who was
previously covered either as
employed/self-employed/OFW
and had at least one (1)
contribution payment.
- The employee-member was
subject to compulsory
coverage but was not reported
for coverage by his/her
employer.
Amount of - The Funeral Benefit is a
Benefit variable amount ranging from a
minimum of P20,000 to a
maximum of P40,000,
depending on the member’s
number of paid contributions
and average monthly salary
credit.
VII. Unemployment Benefit
● Also called unemployment insurance or
involuntary separation benefit, it is a cash
benefit granted to covered employees,
including Kasambahay and OFWs
(sea-based and land-based) who are
involuntarily separated from employment
(e.g. due to retrenchment or downsizing,
closure or cessation of operation,
installation of labor-saving devices,
redundancy, etc).
Qualifying - Member should not be over 60
Conditions years old at the time of
involuntary separation; not
over 50 is an underground or
surface mineworkers; and not
over 55, if a racehorse jockey.
- Member had paid at least 36
monthly contributions, 12
months of which should be in
the 18-month period
immediately preceding the
month of involuntary
separation.
NOTE: An employee shall not be
qualified to receive the benefit if
he/she has been involuntarily
separated from employment due
to the following:
- Serious misconduct;
- Willful disobedience to
lawful orders;
- Gross and habitual neglect
of duties;
- Fraud or will breach of
trust/loss of confidence;
- Commission of a crime or
offense; or
- Analogous cases like
abandonment, gross
inefficiently,
disloyalty/conflict of
interest/dishonesty.
Amount of - If qualified, the employee is
Benefit granted an amount that is
equivalent to twice the half of
the member’s average monthly
salary credit (AMSC).
- The benefit is granted thru a
one-time payment, and the
claim must be filed a year from
the date of involuntary
separation.
VIII. Employees’ Compensation (EC) Program
Qualifying FOR SICKNESS BENEFIT:
Conditions
- Sickness or injury is
work-connected.
- Employee has been duly
reported to SSS.
- SSS has been notified of
such sickness or injury.
FOR DEATH BENEFIT:
- Member had paid at least
one (1) month contribution
prior to the semester of
death.
Amount of Temporary Total Disability (TTD)
Benefit – Minimum of P110 and maximum
of P480, effective May 19, 2018.
Permanent Partial
Disability/Permanent Total
Disability (PPD/PTD)
3
 - The amount of minimum
pension is P2,000.
- Member is entitled to an
additional pension
amounting to P1,150
effective January 1, 2017.
- Supplemental or Carer’s
allowance increased to
P1,000 effective May 19,
2018.
- 13th month.
- The dependent minor
children is entitled to a
Dependent’s Pension (for
total disability) equivalent
to 10% of the monthly
pension. Only five (5)
dependent minor children
beginning from the
youngest are entitled to
dependent’s pension,
without substitution.

Death
- The amount of benefit
granted is equivalent to
monthly pension plus 15%
difference.
- The dependent minor
children is entitled to
dependent’s pension
equivalent to 10% of the
monthly to dependent’s
pension, without
substitution.
- The amount of minimum
pension is P2,000.
- Member is also entitled to
P1,150 additional benefit
effective January 2017.

Funeral
- The amount of benefit is
P30,000 effective August
2, 2017.