What Are the Various Benefits Offered by SSS?

SICKNESS 
A daily cash allowance paid for the number of days a member is unable to work due to sickness or injury.

Sickness Benefit Qualifying Conditions

• The member is unable to work due to sickness or injury and is confined either in a hospital or at home for at least four days;
• He/she has paid at least three months of contributions within the 12-month period immediately before the semester of sickness;
• He/she has used up all company sick leaves with pay for the current year and has duly 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 voluntary or self-employed member.

Sickness Benefit
The amount of the member’s daily Sickness Benefit allowance is equivalent to ninety percent (90%) of his/her average daily salary credit.
The Sickness Benefit is granted up to a maximum of 120 days in one calendar year.

MATERNITY 
A daily cash allowance granted to a female member who is unable to work due to childbirth or miscarriage.

Maternity Benefit Qualifying Conditions

• The member has paid at least three months of contributions within the 12-month period immediately before the semester of her childbirth or miscarriage;
• If employed, she must has given notification of her pregnancy through her employer;
• She must directly notify the SSS if she is separated from employment, a voluntary or self-employed member.

Maternity Benefits
The amount of the daily Maternity Benefit allowance is equivalent to one hundred percent (100%) of her average daily salary credit, multiplied by 60 days in case of normal delivery or miscarriage, or by 78 days for caesarian section delivery.
The Maternity Benefit is granted up to the first four deliveries or miscarriages only.

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.

Disability  Benefit Qualifying Conditions

• The member has paid at least one month contribution before the semester of disability;
• To qualify for a disability pension, the member 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 lumpsum amount.

Disability Benefits
If qualified, the member is granted a monthly Disability Pension, plus a P500 monthly Supplemental Allowance.

The lowest 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 10 CYS; and P2,400 if with at least 20 CYS.

RETIREMENT
A cash benefit granted – either as a monthly pension or a lumpsum amount – to a member who can no longer work due to old age.

Retirement  Benefit Qualifying Conditions

1. The member is at least 60 years old (optional retirement), separated from employment or has ceased to be self-employed; and had paid at least 120 monthly contributions prior to the semester of retirement; OR
2. The member is 65 years old (mandatory retirement), whether employed or not, and had paid at least 120 monthly contributions prior to the semester of retirement.
3. To qualify for a retirement pension, the member must have paid at least 120 monthly contributions prior to the semester of retirement;
4. If with less than 120 monthly contributions, he/she is granted a lumpsum amount.

Retirement Benefits
If qualified, the member is granted a monthly Retirement Pension, plus a 13th Month Pension payable 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, whichever is higher.

Only five (5) minor children, beginning from the youngest, are entitled to Dependent’s Pension. No substitution is allowed. The lowest monthly Retirement Pension is P1,200 if the member has 120 monthly contributions or with at least ten (10) credited years of service (CYS); P2,400 if with at least 20 CYS.

DEATH and FUNERAL
A cash benefit granted – either as a monthly pension or a lumpsum amount – to the beneficiaries of a deceased member. A funeral grant of P20,000 to whoever paid for the burial expenses of the deceased member.

1. A monthly Death Pension is granted to the member’s primary beneficiary (legitimate spouse until he/she remarries, and dependent legitimate, legitimated or legally adopted, and illegitimate children) if the member has paid at least 36 monthly contributions prior to the semester of death;
2. A lump sum amount is granted to the primary beneficiary if the deceased member has less than 36 monthly contributions.
3. If there are no primary beneficiaries, the member’s secondary beneficiaries (dependent parents) shall be given a lumpsum amount.

Death Benefits
If qualified, the member’s primary beneficiary is granted a monthly Death Pension, plus a 13th Month Pension payable every December. If the member has dependent minor children, they are given a Dependent’s Pension equivalent to ten percent (10%) of the primary beneficiary’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 lowest monthly Death 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.