SSS & You!

Presented by:
Member Education
Department
Social Security System
 What is SOCIAL SECURITY ?
It is the protection that society gives its members
against the economic and social distresses caused
by the contingencies such as -

DISABILIT RETIREMEN DEATH & UNEMPLOYMEN

SICKNESS MATERNITY
Y T FUNERAL T
Coverage in the Philippine SSS

Compulsory Voluntary
 Employed  Separated
 Self-employed employees
 Household  Non-working
Helpers spouse
 OFW
UNIFIED MULTI-
PURPOSE ID
Contribution Rate: 12%
MONTHLY AMOUNT OF
SALARY CREDIT CONTRIBUTION
Min. 2,000 Min. P240
Max 20,000 Max. P2,400

ER-EE
SHARING
Employer 8 %
Employee 4 %
SE/VM 12 %

SSS contributions: Among the lowest in

PHL & the world
 1
2 Programs Unemployment
Administered by Maternity
SSS Sickness SOCIAL
SECURIT

2
Y
Disability
Death/Funeral

Retirement

EMPLOYEES
COMPENSATIO
N
 Unemployment Benefit
A cash benefit granted to
members who are
involuntarily separated from
employment.
 UNEMPLOYMENT BENEFIT
QUALIFICATIONS

Has no settled
Not over 3 unemployment benefit
< 60 sixty 60 years
old
years within the last three
(3) years

With 36
contributions. 12 Separation did not
months of which arise from
should be in the 18- employee’s fault
month period. or negligence.
 UNEMPLOYMENT
AMOUNT OF BENEFIT
BENEFIT

equal to 50% of the Average

Monthly Salary Credit (AMSC)
times two (2) months.
SAMPLE:
AMSC = P 16,000
P 16,000 x 50% x 2 = P 16,000.00
 UNEMPLOYMENT
PERIOD OF
BENEFIT
FILING

Within one (1) year

from the date of involuntar
1 year separation.
 UNEMPLOYMENT
LimitationsBENEFIT

Available only once every 3 years from

3 date of involuntary separation or
years
unemployment.

In case of two (2) or more

P contingencies within the same
compensable period, only the highest
benefit shall be paid.
 Sickness Benefit
Daily cash allowance paid
to a member for the number
of days he/she is unable to
work due to sickness or
injury
 Confined for at least four (4)
days
Paid at least three (3) monthly
contributions within the 12-month
period preceding the semester of
sickness
He has notified his
employer or if unemployed,
the SSS
He has used up all current
company sick leave with pay
 Maternity Benefit
Daily cash allowance granted to a
female member who have given
birth or suffer miscarriage/ETP.
 Qualifying Conditions

Given the required Paid at least 3 months

notification to the SSS contributions within the
thru her employer 12-month period
 Expanded Maternity Leave Law
Benefits Granted
1. Paid leave benefit granted to a qualified female worker in the public
and private sector, for the duration of:

 105 Days - any instance of live childbirth (normal or CS)

 120 Days – additional 15 days for solo parent under
R.A. No 8972 or Solo Parents’ Welfare Act
 60 Days - miscarriage or emergency termination of
pregnancy (ETP) including stillbirth
Employed female workers shall receive
FULL PAY which consists of:

SSS Maternity Salary differential to be

Benefit paid by the employer
 Expanded Maternity Leave Law

2. Option to extend for additional 30 days without pay

in case of live childbirth, provided that the employer
shall be given due notice
3. Paid maternity leave and allowances and benefits
granted to female national athletes; and
4. Health care services for pre-natal, delivery, postpartum
and pregnancy-related conditions as governed by the
existing rules and regulations of the PhilHealth
 ALLOCATION OF
MATERNITY LEAVE
CREDITS

7
Option to
allocation
Up to DAYS
CHILD'S ALTERNATE
FATHER OR CAREGIVER
married or not to relative or the
female member current partner
 Republic of the Philippines
SOCIAL SECURITY SYSTEM
ALLOCATION OF MATERNITY LEAVE CREDITS
T H IS F OR M M A Y B E R E P R O D UC E D A N D IS N O T F O R S A LE . TH IS C A N A LS O B E D O WN LOA D ED TH R U T HE S S S WE B S IT E A T www.s s s .g o v .p h

PLEASE READ THE INSTRUCTIONS AND REMINDERS AT THE BACK BEFORE FILLING OUT THIS FORM. PRINT ALL
INFORMATION IN CAPITAL LETTERS AND USE BLACK INK ONLY.
SS NUMBER NAME OF MEMBER (LAST NAM E) (F IRS T NAM E) (M IDDLE NAME) (S UFF IX)

DO YOU WANT TO ALLOCATE PORTION OF YOUR MATERNITY LEAVE CREDITS?

Yes. I want to allocate ______________________ days, which shall be deducted from my SSS maternity benefit, to:
numbe r o f da ys (1 to 7 da ys )

Name: ________________________________________________________________
Relationship: Child's father Alternate caregiver

No. I want to avail the full SSS maternity benefit.

PRINTED NAME OF MEMBER SIGNATURE DATE

 MATERNITY BENEFIT
Filing Period is within

10 YEARS
from the date of delivery, miscarriage or emergency
termination of pregnancy.
 Disability Benefit
Cash benefit paid to a member who has
paid at least one contribution.
 Retirement Benefit
Cash benefit paid to a member
who can no longer work and has
reached
60 yrs. of age
(Voluntary Retirement)
65 (Compulsory Retirement)
 QUALIFYING CONDITIONS

Contributions Age
At least 120 monthly contributions 60 – Optional Retirement
prior to the semester of retirement 65 – Technical Retirement

Mineworkers Racehorse Jockey

Republic Act 10757 effective April 27, 2016 Republic Act 10789
50 yrs old – Optional Retirement Retirement not earlier than May 24,2016
60 yrs old – Technical Retirement 55 yrs old – Technical Retirement
Pension Loan
Assistance
Program!
Up to 6 times the pension
or max of P32,000
 Qualifying Conditions
for Pension Loan Program
Retiree pensioners who are 80 years old
and below at the end of the month of loan
term

Has no advance pension under the SSS

Calamity Package

Must be receiving at least 1 month and

status of pension is Active.
 Pension Loan Program
AMOUNT
a. 2 x (Basic Pension + 1 K additional benefit)
b. 4 x (Basic Pension + 1 K additional benefit)
c. 6 x (Basic Pension + 1 K additional benefit)

Max of P32,000
INTEREST RATE
10% per annum computed on
diminishing principal balance
Funeral Benefit
Cash benefit given to whoever pays the
burial expenses of the deceased
member or pensioner.
Fixed amount of P20,000 to a
variable amount ranging up to
maximum of P40,000.
 Death Benefit
It is a cash benefit either in monthly
pension or lump sum paid to the
beneficiaries of a deceased member.
 BENEFICIARIES

PRIMARY SECONDARY DESIGNATED LEGAL

dependent parents of indicated in HEIRS
legal spouse the deceased member’s in accordance
and minor member E-1/ E-4 to the Family
children Code of the
Philippines
Employees Compensation
It assists workers who suffer work-connected
sickness or injury resulting in disability or death.
 35

Performing his official function

Personal comfort

Engaged in a company
ACCIDENTS sponsored activities
CONSIDERED
FOR EC - On board a shuttle bus or any vehicle
provided by the company

Going or coming out from

workplace

Any sickness listed by the ECC

as an occupational disease
EC Exclusions

Intoxication /
drunkenness

Willful intention to
injure or kill himself or
another

Notorious negligence
LOAN
PROGRAMS
Salary Loan
36 Monthly Contributions
= 1 month loan

72 Monthly Contributions
= 2 month loan
Salary Loan
- Payable in 24 months (2 yrs.)

- Renewable after payment of at

least 50% of the original principal
amount, and at least 50% of the
term has lapsed
 Educational Loan
loan program for members
and/or their legal spouse/
children; or if Single, their
siblings.
 Housing
Individual/Corporate
- max of P2 M/P150M
Repair &/or Improvement  PARI-PASSU
- max of P1M - max of P5 million
 Apartment/Dormitory
- max of P50 million
 Development Loan
- max of P150M-banks
ELECTRONIC
SERVICES
 E-MAIL ADDRESS OFFICIAL WEBSITE
member_relations@sss.gov.ph www.sss.gov.ph
SSSPh

@PHLSSS

Philippine Social Security System

phlsss

MySSSPhilippines
 Service Fee
P2.50 Globe & Smart
P2.00 Sun

TEXT SSS

SSS REG <SSS #>

<DOB>

Send to 2600

SEN
I NQUIRE &VERIFY D
Q W E R T Y U I O P
A S D F G H J K L
Z X C V B N M
SPACE
 SSS Call Center
Tel Nos. 920-6446 up to 55
Open 24 hrs Mon - Fri

Interactive Voice
Response System (IVRS)
917-7777
Information
Terminals
(Info Kiosk)
Value of SSS
Membership
 VALUE OF SSS MEMBERSHIP
Maternity Benefit
Member gives birth with 6
contributions prior to semester of
delivery or childbirth

Social Security Amount of Contribution

Contributions Cash Allowance vs. Benefit Ratio
Min. P1,440 P7,000/8,000* P1 = P5/5.60*
Max. P14,400 P70,000/P80,000* P1 = P5/5.60*

105 days of leave / 120 days if Solo Parent*

Up to 5 .6 times in return
 VALUE OF SSS MEMBERSHIP
Sickness
Member gets sick for 120
Benefit
days with only 3
contributions

Social Security Amount of Contribution

Contributions Cash Allowance vs. Benefit Ratio
Min. P720 P3,600 P1 = P5
Max. P7,200 P36,000 P1 = P5
Up to 5 times in
return
 VALUE OF SSS MEMBERSHIP
Partial Disability Benefit
Member approved pension for 2 years
with 36 months posted contributions

Social Security Total Pension Contribution

Contributions Received for 2 years vs. Benefit Ratio
Min. P8,640 P64,000 P1 = P7
Max. P86,400 P246,000 P1 = P3
Up to 7 times in
return
 VALUE OF SSS MEMBERSHIP
Total Disability Benefit
Members is totally disabled with
36 months posted contributions

Social Security Total Pension Contribution

Contributions Received for 5 years vs. Benefit Ratio
Min. P8,640 P160,000 P1 = P19
Max. P86,400 P615,000 P1 = P7
Up to 19 times in return
 VALUE OF SSS MEMBERSHIP
Retirement Benefit
member contributed for 20 years
and received pension for 20 years

Social Security Total Pension Contribution

Contributions (20 years) Received for 20 years vs. Benefit Ratio

Min. P57,600 P884,000 P1 = P15

Max. P576,000 P2,418,000 P1 = P4
Up to 15 times in return
 VALUE OF SSS MEMBERSHIP
Death Benefit + Funeral Grant
member dies at age 25 with
only one (1) month
contribution

Social Security SSS Lump Contribution

Contributions Sum Benefit vs. Benefit Ratio
Min. P240 P32,010 P1 = P133
Max. P2400 P116,100 P1 = P48
Up to 133 times in
return
 Private Social
Insuranc Security
e System
Limited Scope Wide Range
Contingencies
Covered

Fixed
with lapsation
Duration of
Lifetime
Coverage

Company
Reserve Governmen
Guarantee
t
The law aims to have a Viable and
Sustainable Pension Fund that will
instill the values of “Work. Save.
Invest. Prosper.” among Filipinos
End of
presentation.
Thank you.
SSS
P R E S E N TAT I O N 2 0 1 9
Member Education Department
Tel Nos. 920-6401 to 45 local 5336 / 5337