The Philippine Social Security System (SSS) through R.A. 8282, otherwise known as Social Security Law, provides benefits to protect SSS members and its beneficiaries against the hazards of sickness, disability, maternity, old age, death, and other contingencies resulting in loss of income or financial burden.
As an SSS member, it is important that you are aware of these benefits so that you can take advantage of it when the need arises.
Below are the benefits that SSS provides together with the qualifying conditions and the amount that you will get from each benefit.
What it is: SSS Sickness Benefit is a daily cash allowance that is paid to the qualified SSS member who is unable to work due to sickness or injury.
How to Qualify:
How much is the amount of benefit: The daily Sickness Benefit allowance is equivalent to 90% of the qualified member’s ADSC or average daily salary credit.
Maximum Grant: The Sickness Benefit is granted up to a maximum of 120 days in 1 calendar year.
Click here for more info about SSS Sickness Benefit.
What it is: SSS Maternity Benefit is a daily cash allowance that is granted to a female SSS member who is unable to work due to childbirth of miscarriage.
How to Qualify:
How much is the amount of benefit: The daily Maternity Benefit allowance of the qualified member is equivalent to 100% of her ADSC, multiplied by 60 days for Normal Delivery (or miscarriage, ectopic pregnancy without operation, hydatidiform mole), or by 70 days for Caesarean Section delivery (or ectopic pregnancy with operation).
Maximum Grant: The SSS Maternity Benefit is granted up to the first 4 deliveries or miscarriages only.
Click here for more info about SSS Maternity Benefit.
What it is: SSS Disability Benefit is a cash benefit granted to SSS member who becomes permanently disabled (partially disabled or totally disabled) either as a monthly pension or a lump sum amount.
How to Qualify:
How much is the amount of benefit: Qualified members are granted a monthly Disability Pension (to be computed by SSS based on the documents submitted and the physician’s assessment), plus a P500 monthly Supplemental Allowance.
The lowest monthly Disability Pension is:
Click here for more info about SSS Disability Benefit.
What it is: SSS Retirement Benefit is a cash benefit that is granted to the SSS member who can no longer work due to old age. The benefit is given either as a monthly pension or a lump sum amount.
How to Qualify:
a. Optional retirement – The SSS member must be at least 60 years old, separated from employment or has ceased to be self-employed; and has paid at least 120 monthly contributions prior to the semester of retirement.
b. Mandatory retirement – The SSS member is 65 years old, whether employed or not; and has paid at least 120 monthly contributions prior to the semester of retirement.
How much is the amount of benefit:
a. Monthly Pension – The qualified retiree is granted a monthly Retirement Pension, plus a 13th Month Pension which is payable every December.
The lowest monthly Retirement pension is:
b. Lump Sum – The qualified retiree has the option to receive a lump sum for his or her first 18 months pension, discounted at a preferential rate of interest that will be determined by the SSS.
Click here for more info about SSS Retirement Benefit.
What it is: SSS Death Benefit is a cash benefit that is granted to the beneficiaries of a deceased SSS member either as a monthly pension or a lump sum amount.
How to Qualify:
How much is the amount of benefit:
a. Monthly Pension – The SSS member’s qualified primary beneficiary is granted a monthly Death Pension, plus a 13th Month Pension which is payable every December.
The lowest monthly Death Pension is:
b. Dependent’s Pension – If the member has dependent minor children, they are given a Dependent’s Pension which is equivalent to 10% of the member’s monthly pension or P250, whichever is higher. Only 5 minor children, beginning from the youngest, are entitled to Dependent’s Pension. (Substitution will not be allowed).
Click here for more info about SSS Death Benefit.
What it is: SSS Funeral Benefit is a cash benefit given to the person or entity who paid for the burial expenses of the deceased SSS member.
How to Qualify:
How much is the amount of benefit:
The Funeral Benefit is a variable amount ranging from a minimum of P20,000 to a maximum of P40,000, depending on the member’s paid contributions and credited years of service or CYS.
Click here for more info about SSS Funeral Benefit.
What it is: EC Program is a cash benefit that is granted to assist qualified employed members who suffer from work-connected sickness or injury resulting in disability or death.
The EC Program is beneficial to employed members because they’ll be compensated both from the SSS and EC Program in the event of work-related contingencies. All employers and their employees who are registered to SSS are compulsorily covered under the EC Program.
What it is: SSS Salary Loan is a cash loan that is granted to an employed, currently- paying self-employed or voluntary member. It is intended to meet the member’s short-term credit needs.
How to Qualify:
An employed, self-employed or voluntary SSS member who has 6 posted monthly contributions within the last 12 months prior to the month of filing of loan application are qualified to apply for SSS Salary Loan.
If employed, the member’s employer must be updated in the payment of contribution and loan remittances. The member must also be updated in the payment of other loans with SSS.
How much is the amount of benefit:
SSS Salary Loan Interest Rate
In case of default, the arrearages or unpaid salary loan shall be deducted from the member’s short-term benefit claims like sickness or maternity benefit, if any, or from his or her final benefit claim such as death, retirement, or total disability benefit.
When can you renew your SSS Salary Loan?
The loan can be renewed after you have paid at least 50% of the original loan amount and at least 50% of the loan term has lapsed.
Click here for more info about SSS Salary Loan.
To file or to claim any of the SSS benefits, make sure you know the qualifying conditions, prepare your requirements and visit the nearest SSS branch for your claim to be processed.
To avoid issues and hassles when filing for SSS benefits, make sure your personal data in SSS records are always correct, complete and updated particularly the following data:
Just visit the nearest SSS branch and complete the Member Data Change Request (SSS Form E-4) and submit with the accompanying documentary requirements (which you can find at the back of the Form).
Click here to read: R.A. 8282 – Social Security Law
Disclaimer: SSS Answers is not affiliated with the SSS. This article is for information purposes only. Please contact the SSS directly for your inquiries or when filing any SSS benefit claim.
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