Have you recently suffered a permanent injury? Are you having a hard time looking for work because of that injury?
Do you know anyone who’s been recently injured? Are you an SSS member?
Are you here because you heard about the SSS Disability Benefit and wish to learn more about it?
Well, do not fret because in this article that is exactly what we will discuss. This article will cover the what’s, how’s, when and where’s of the SSS Disability Benefit.
While we are saddened to hear about the critical turn that your health took, cheer up because we have some good news for you!
You can now receive financial benefit from SSS in order to support you and your needs now that you are permanently disabled.
We should be glad that we, Filipinos, are all given this wonderful opportunity so that we don’t start from zero when we suffer such disabilities.
What are the two types of SSS Disability Benefit?
Just like other SSS benefits, there are also two types of the disability benefit:
- Monthly pension is for members who has paid at least 36 monthly contributions before the application for the disability benefit
- Lumpsum amount is granted for those members who have not paid the 36 monthly contributions and for disability claims whose approve pension is 12 months
How do I know that I qualify?
It is important to get the specific and official qualification list about this particular SSS Disability Benefit.
It is also better to know if you qualify or not, before visiting the nearest SSS office branch near you, only to be turned away if you are not qualified.
Either way, knowing the qualifications will make everything easy and will save lots of time and effort.
That’s why here is the list of the qualifications that you must meet in order to apply for the benefit:
- YOU ARE A MEMBER OF SSS.
- You have suffered a partial or total disability.
- You have paid at least one monthly contribution before the SSS contingency is qualified.
Understand that the filing period is only valid for a maximum of 10 years after the occurrence of the disability.
Any time range behind that and your desire to apply will be refuted. So make sure you watch the calendars running and file one as soon as possible.
A member who endures/d partial disability is a member suffering from complete or permanent loss of any of the following body parts, but it does not prevent the member from finding a job or working.
- one thumb
- one index finger
- one middle finger
- one ring finger
- one little finger
- hearing of one ear
- hearing of both ears
- the sight of one eye
- one big toe
- one hand
- one arm
- one foot
- one leg
- one ear
- both ears
Permanent Total Disability
- complete loss of sight of both eyes;
- loss of two limbs at or above the ankle or wrists;
- permanent complete paralysis of two limbs;
- brain injury resulting to incurable imbecility or insanity; and
- such cases as determined and approved by the SSS.
How to apply for SSS Disability Benefit?
To apply for this particular benefit, first, you would need to prepare the following requirements and documents and bring them to your nearest SSS office branch to start the application procedure.
The following are the documents/requirements needed to be prepared:
- Disability Claim Application is an application form needed to be filled out in order to notify the SSS that a disability had recently occurred.
- Medical Certificate is needed in order to check the authenticity of the disability. Some fabricate that they are suffering a disability in order to get a hold of the financial benefit. That’s why the SSS has been stricter in imposing rules.
- Other documents that may be required in order to support your disability claim or as proof that you really are suffering a disability such as x-ray, laboratory tests, hospital records, etc.
- UMID or SSS biometrics card or two (2) other valid IDs (both with signature)
- At least one (1) photo and date of birth
If for pension, additional requirements are required:
- Photocopy of either passbook or ATM card with validated deposit slip or cash card enrollment form.
If the applicant is unable to file personally:
- Sketch of applicant’s residence or place of confinement
- Physical examination report describing manifestation, signed by the attending physician (only applicable for overseas applicants).
If for total disability member, with dependent children:
- Certified true copy of marriage certificate register with LCR/NSO
- Certified true copy of birth certificate of legitimate and illegitimate children
- Legal adoption papers for legally adopted children
- Any proof of filiations of illegitimate dependent children
- Claim for the Dependent’s allowance is an SSS form needed to be filled out
After preparing ALL the documents needed, you may now carry them to your local SSS office branch and from there, the teller will guide you on how to file for the application.
How much will I get?
The amount that you will receive will depend on your number of paid monthly contributions and the years of membership prior to the filing of the application for the SSS disability Benefit.
There are three circumstances:
- The lowest pension is P 1,000 for members that have less than 10 years of credited years of service (CYS).
- The lowest pension is P 1,200 for members that have at least 10 years of credited years of service (CYS).
- The lowest pension is P 2,400 for members that have more than 20 credited years of service.
Of course, the pension that you will receive will also vary depending on how many monthly contributions you have paid.
We hope that you learned something from this article. And that your understanding of the SSS Disability Benefit is now crystal clear. This knowledge will essentially be helpful if you are an applicant or if you know someone who is an applicant.