SSS BENEFITS

SSS BENEFITS RETIREMENT BENEFIT DEATH BENEFIT PERMANENT FUNERAL BENEFIT SICKNESS BENEFIT MATERNITY LEAVE UNEMPLOYMENT
DISABILITY BENEFIT BENEFIT INSURANCE OR
INVOLUNTARY
SEPARATION BENEFITS
DEFINED The Retirement The Death Benefit is a The Permanent The Funeral Benefit is The Sickness Benefit is All covered female The unemployment
Benefit is a monthly cash benefit either in Disability Benefit is a intended to help a daily cash allowance workers shall be insurance or involuntary
pension or lump sum monthly pension or cash benefit granted defray the cost of paid by the employer granted 105 days separation benefit is a
granted to a member lump sum paid to the to a member who funeral expenses upon to the member who is maternity leave with monthly cash payment
who can no longer beneficiaries of a becomes permanently the death of a unable to work due to full pay and for cases equivalent to fifty
work due to old age. deceased member. disabled either member, including sickness or injury for of miscarriage or percent (50%) of the
partially or totally.8 permanently totally each day of emergency AMSC for a maximum of
disabled or retired compensable termination of two (2) months, subject
member. confinement or a pregnancy, 60 days to the rules and
fraction thereof, or by maternity leave with regulations that the
the SSS, if such person full pay shall be Commission may
is unemployed or is SE, granted. prescribe.
OFW, VM who have
been previously
covered either as
employed/SE/OFW
and NW spouse.
ENTITLEMENT a. 120-monthly a. Upon the death a. paid at least 36 a. Has paid at least Maternity Leave for The benefit may be
contributions prior to of a member monthly 3 monthly Female Workers in the availed by members
semester of b. who has paid at contributions contributions Private Sector 11 subject to the following
retirement; and least 36 monthly prior to the within the 12- conditions:
contributions semester of month period Maternity Leave for a. Not over sixty (60)
b.1. Has reached before the disability. immediately Female Workers in the years old at the time
60 years old and is semester of b. In case of before the Public Sector12 of involuntary
separated from death permanent semester of separation17
employment or has c. his/her primary partial disability, sickness or Maternity Leave b. Paid at least 36
ceased to be self- beneficiaries the monthly injury.9 Benefits for Women in monthly
employed1 shall be entitled pension benefit b. Was confined for the Informal Economy contributions, 12
to a monthly shall be given in at least four (4) and Voluntary months of which
b. 2. at least sixty- pension. lump sum if it is days either in a Contributors to the should be in the 18-
five (65) years old2 payable for less hospital or SSS13 month period
than 12 months. elsewhere as immediately
defined by the Maternity Benefits for preceding the
SSS. Female Workers Who unemployment or
c. Has notified the are Non-Members of involuntary
employer10, if the SSS.14 separation;
employed, or the c. Involuntarily
SSS, if Maternity Leave of a separated from
unemployed or Female Worker With employment
SE/VM of the Pending provided that such
sickness or Administrative Case. 15 separation did not
injury. arise from fault or
d. Has used up all Maternity Leave for negligence of the
current company Female National employee and
sick leave with Athletes16 which may be
pay for the attributed to any of,
current year, if
 employed, but not limited to,
except sea-based the following:
OFWs. i. Installation of
labor-saving
devices;
ii. Redundancy;
iii. Retrenchment
to prevent
loss;
iv. Closure or
cessation of
operation; or
v. Disease/illness.
13TH MONTH Equivalent to the Equivalent to the Equivalent to the
amount of the amount of the amount of the
monthly pension due monthly pension due monthly pension due
and additional benefit and additional benefit and additional benefit
allowance, payable allowance, payable allowance, which is
every month of every month of payable every month
December of the December of the of December of the
applicable year. applicable year. applicable year.
LUMP SUM a. member who has a. paid at least 36 a. Member who
reached the monthly have not met the
required contributions required 36
retirement age before the monthly
b. who does not semester of death5 contributions
qualify for full a lump sum benefit prior to the
pension benefit equivalent to 36 semester of
under the Social times the monthly disability
Security Act of pension. b. For permanent
2018 total disability,
c. he/she is b. paid less than 36 the lump sum
separated from monthly disability benefit
employment contributions shall be the
d. is not continuing before the higher of:
payment of semester of death,6 a) The monthly
contributions to a lump sum amount pension times
the SSS on equivalent to the the number of
his/her own. higher of the monthly
following: contributions
Amount of benefit is paid to the SSS,
equivalent to the total i. The monthly pension or
contributions paid by times the number of b) 12 times the
the member and/or on monthly contributions monthly pension.
his/her behalf. paid prior to the c. For permanent
semester of death, or partial disability,
the benefit shall
ii. Twelve (12) times be the
the monthly pension. percentage of
the lump sum
benefit
described in the
Social Security
 Act of 2018, with
due regard to the
degree of
disability as the
Commission may
determine.
AMOUNT MEMBER WHO Equivalent to the The daily sickness
RETIRES AFTER THE following amounts allowance shall be
AGE OF 603 and who paid either in cash or in equivalent to ninety-
has contributed the kind, depending on percent (90%) of the
required one hundred the date of member's average
twenty (120) monthly contingency and may daily salary credit.
contributions – be adjusted as may be
The higher of the determined by the
following: Commission:
a. monthly pension
computed at the a. P12,000.00,
earliest time the effective May 24,
member could 1997;
have retired had b. P15,000.00,
he/she been effective
separated from September 1,
employment or 1998;
ceased to be self- c. P20,000.00,
employed, plus effective
all adjustments September 1,
thereto; or 2000; or
b. monthly pension d. A variable amount
computed at the ranging from
time when the P20,000.00 to
member actually P40,000.00,
retires. depending on the
member's
EARLY FILING OF number of
RETIREMENT BENEFIT contributions and
– The SSS shall pay the AMSC, effective
retirement benefits on August 1, 2015.
the day of contingency
to qualified members
who have submitted
the necessary
documents at least six
(6) months before
his/her intended date
of retirement4.

SUSPENSION a. upon the re- A primary beneficiary a. Reemployment a. A member may

employment or who, upon notice by or resumption of be granted a
resumption of the SSS, fails to report self- maximum
self- or present oneself for employment; sickness benefit
employment of a interview or through b. Recovery from of one hundred
retired member other verification permanent total twenty (120 days)
who is less than processes. disability; or
 sixty-five (65) c. Failure to report in one (1)
years old7 or present calendar year.
b. upon notice by oneself for b. The sickness
the SSS, fails to examination at benefit shall be
report or present least once a year paid for not more
oneself for upon notice by than two
interview or the SSS. The hundred forty
through other ACOP guidelines (240) days on
verification shall continue to account of the
processes. apply, subject to same illness or
Section 33 of the confinement.
Social Security
Act of 2018.

FOOTNOTES: i. Complete loss of sight of both eyes;

ii. Loss of two limbs at or above the ankle or wrists;
1. Exceptions are: iii. Permanent complete paralysis of two limbs;
a) In the case of an underground mineworker [R.A. No. 8558], at least 55 years old iv. Brain injury resulting to incurable imbecility or insanity; and
effective 13 March 1998; and v. Such cases as determined and approved by the SSS and/or the
b) In the case of an underground or a surface mineworker [R.A. No. 10757], at least fifty Commission.
(50) years old effective 27 April 2016.
PERMANENT PARTIAL DISABILITY. – If disability is permanent partial and such disability
2. Exceptions are: occurs after thirty-six (36) monthly contributions have been paid prior to the semester of
a) In the case of an underground mineworker effective 13 March 1998 [R.A. No. 8558] or a disability, the benefit shall be the monthly pension for permanent total disability payable
surface mineworker effective 27 April 2016 [R.A. No. 10757], at least sixty (60) years old, not longer than the period designated in the following schedule:
and
b) In the case of a racehorse jockey [R.A. No. 10789], at least 55 years old effective 24 May Complete and Permanent Loss of/Use of Number of Months
2016. One thumb 10
One index finger 8
3. or fifty (50) years old in the case of an underground or a surface mineworker, or 55 years One middle finger 6
old in the case of a racehorse jockey. One ring finger 5
One little finger 3
4. or sixtieth (60th) birthday in the case of an underground or a surface mineworker, or fifty- One big toe 6
fifth (55th) birthday in the case of a racehorse jockey. One hand 39
One arm 50
5. and has no primary beneficiaries, his/her secondary beneficiaries shall be entitled to the One foot 31
lump-sum pay. One leg 46
One ear 10
6. his/her primary beneficiaries or in the absence thereof, the secondary beneficiaries shall Both ears 20
be entitled to the lump-sum pay. Hearing of one ear 10
Hearing of both ears 50
7. less than sixty (60) years old in the case of an underground or a surface mineworker. Sight of one eye 25
i. Upon re-employment or resumption of self-employment, the retired member shall again
DEGREE OF DISABILITY. - The percentage degree of disability which is equivalent to the ratio that the
be subject to compulsory coverage.
designated number of months of compensability bears to seventy-five (75), rounded to the next
ii. Upon reaching the age of sixty-five (65), or sixty (60) years old in the case of an
higher integer, shall not be additive for distinct, separate and unrelated permanent partial disabilities,
underground or a surface mineworker, the member can file again a claim for retirement
but shall be additive for deteriorating and related permanent partial disabilities, to a maximum of
benefit.
one hundred percent (100%), in which case, the member shall be deemed as permanently totally
disabled.
8. PERMANENT TOTAL DISABILITY. – The following disabilities shall be deemed permanent
total: [Sec 13-A (d)]
 9. No contributions paid retroactively by SE/VM/OFWs shall be used in determining his/her
eligibility to sickness benefit wherein the date of payment is within or after the semester
of contingency.
10. SICKNESS NOTIFICATION REQUIREMENT. – The rules on notification in the grant of
sickness benefit are as follows:
i. For hospital confinement, notification to employer is not necessary,
however, the employer shall inform the SSS of such confinement in the
prescribed manner within one (1) year from date of discharge;
ii. For confinement elsewhere, as may be defined by the SSS, the employee
shall notify the employer of the sickness or injury in the prescribed manner
within five (5) calendar days after the start of confinement. The employer
shall in turn notify the SSS within five (5) calendar days after receipt from
employee;
iii. For sickness/injury that occurred while working or within premises of the
employer, notification by employee to employer is not necessary.
However, the employer shall notify the SSS of such sickness/injury in the
prescribed manner within five (5) calendar days after onset of
sickness/injury;
iv. The unemployed or SE member, land-based OFWs, or VM including NW
spouse, shall directly notify the SSS of the confinement in the prescribed
manner within five (5) calendar days after the start of confinement,
except when such confinement is in a hospital, notification to the SSS in
the prescribed manner shall be within one (1) year from date of discharge;
and
v. OFWs are given thirty-five (35) calendar days in filing sickness benefits.
This applies only for confinement elsewhere as defined by the SSS.
SICKNESS NOTIFICATION BY THE EMPLOYER. – The rules on notification in the grant of sickness
benefit are as follows:
i. For hospital confinement, the employer shall notify the SSS in the prescribed manner
within one (1) year from date of discharge;
ii. For confinement elsewhere as defined by the SSS, the employer shall notify the SSS
in the prescribed manner within five (5) calendar days after receipt of notification
from the employee;
iii. For sickness/injury that occurred while working or within company’s premises, the
employer shall notify the SSS of such sickness/injury/confinement in the prescribed
manner within five (5) calendar days after onset of sickness/injury.
11. Maternity Leave for Female Workers in the Private Sector. — Any pregnant female worker
in the private sector shall be granted a maternity leave of one hundred five (105) days with
full pay, regardless of whether she gave birth via caesarian section or natural delivery,
while maternity leave of sixty (60) days with full pay shall be granted for miscarriage or
emergency termination of pregnancy.
(a) A female Social Security System (SSS) member who has paid at least three (3) monthly
contributions in the twelve (12)-month period immediately preceding the semester of her childbirth,
miscarriage, or emergency termination of pregnancy shall be paid her daily maternity benefit which
shall be computed based on her average monthly salary credit for one hundred five (105) days,
regardless of whether she gave birth via caesarian section or natural delivery, subject to the following
conditions:
(1) That the female worker shall have notified her employer of her pregnancy and the
probable date of her childbirth, which notice shall be transmitted to the SSS in accordance
with the rules and regulations it may provide;
(2) That the full payment shall be advanced by the employer within thirty (30) days from the
filing of the maternity leave application;
(3) That payment of daily maternity benefits shall be a bar to the recovery of sickness benefits
provided under Republic Act No. 1161, as amended, for the same period for which daily
maternity benefits have been received;
(4) That the SSS shall immediately reimburse the employer of one hundred percent (100%) of
the amount of maternity benefits advanced to the female worker by the employer upon
receipt of satisfactory and legal proof of such payment; and
(5) That if a female worker should give birth or suffer a miscarriage or emergency termination
of pregnancy without the required contributions having been remitted for her by her
employer to the SSS, or without the latter having been previously notified by the employer
of the time of the pregnancy, the employer shall pay to the SSS damages equivalent to the
benefits which said female member would otherwise have been entitled to.
In case the employee qualifies as a solo parent under Republic Act No. 8972, or the "Solo Parents’
Welfare Act", the employee shall be paid an additional maternity benefit of fifteen (15) days.
(b) An additional maternity leave of thirty (30) days, without pay, can be availed of, at the option of
the female worker: Provided, That the employer shall be given due notice, in writing, at least forty-
five (45) days before the end of her maternity leave: Provided, further, That no prior notice shall be
necessary in the event of a medical emergency but subsequent notice shall be given to the head of
the agency.
(c) Workers availing of the maternity leave period and benefits must receive their full pay. Employers
from the private sector shall be responsible for payment of the salary differential between the actual
cash benefits received from the SSS by the covered female workers and their average weekly or
regular wages, for the entire duration of the maternity leave, with the following exceptions, subject
to the guidelines to be issued by the Department of Labor and Employment (DOLE):
(1) Those operating distressed establishments;
(2) Those retail/service establishments and other enterprises employing not more than ten
(10) workers;
(3) Those considered as micro-business enterprises and engaged in the production,
processing, or manufacturing of products or commodities including agro-processing,
trading, and services, whose total assets are not more than Three million pesos
(₱3,000,000.00); and
(4) Those who are already providing similar or more than the benefits herein provided.
Provided, That said exemptions shall be subject to an annual submission of a justification by the
employer claiming exemption for the approval of the DOLE.
12. Maternity Leave for Female Workers in the Public Sector. —
Any pregnant female worker in the government service, regardless of employment status,
in
a. National Government Agencies (NGAs),
 b. Local Government Units (LGUs), 17. Exception is:
c. Government-Owned or -Controlled Corporations (GOCCs), or a) In the case of underground mineworker or surface mineworker [R.A. No. 10757], not
d. State Universities and Colleges (SUCs), over fifty (50) years old; or
b) In the case of racehorse jockey [R.A. No. 10789], not over 55 years old.
shall be granted a maternity leave of one hundred five (105) days with full pay regardless
if the delivery was normal or caesarian: 18.
Provided, That, in case the employee qualifies as a solo parent under Republic Act No.
8972, or the "Solo Parents’ Welfare Act", the employee shall be paid an additional
maternity benefit of fifteen (15) days. An additional maternity leave of thirty (30) days,
without pay, can be availed of, at the option of the female worker:

Provided, further, That, the head of the agency shall be given due notice, in writing, at
least forty-five (45) days before the end of her maternity leave:

Provided, finally, That no prior notice shall be necessary in the event of a medical
emergency but subsequent notice shall be given to the head of the agency.

13. Maternity Leave Benefits for Women in the Informal Economy and Voluntary Contributors
to the SSS.— Maternity benefits shall cover all married and unmarried women, including
female workers in the informal economy. Female workers in the informal economy are
entitled to maternity leave benefits if
a. they have remitted to the SSS at least three (3) monthly contributions in the .twelve
(12)-month period
b. immediately preceding the semester of her childbirth, miscarriage, or emergency
termination of pregnancy.

14. Maternity Benefits for Female Workers Who are Non-Members of the SSS.—
Female workers who are neither voluntary nor regular members of the SSS shall be
governed by the Philippine Health Insurance Corporation (PhilHealth) Circular No. 022-
2014 or the "Social Health Insurance Coverage and Benefits for Women About to Give
Birth".

15. Maternity Leave of a Female Worker With Pending Administrative Case. — The maternity
leave benefits granted under this Act shall be enjoyed by a female worker in the
government service and in the private sector even if she has a pending administrative case.

16. Maternity Leave for Female National Athletes.—

In the event a national athlete becomes pregnant, she will be referred to the team
physician or an accredited physician of the Philippine Sports Commission (PSC) or an
obstetrician-gynecologist to determine her fitness to continue training. She will be
allowed to participate in all team-related activities, unless the physician advises that
participation is not medically safe or should be limited.

Upon medical advice, she shall go on maternity leave until cleared to return to training.
She shall continue receiving her allowance and be entitled to the same benefits while on
maternity leave prior to childbirth and up to six (6) months after, unless she can resume
sooner as advised by her physician, in which case, she will be entitled to the allowance and
benefits she had prior to pregnancy: Provided, That a female national athlete employed in
the public sector shall not receive double compensation or benefits.