Important Benefits of SSS Member that Everyone Should Know

Are you one of those employees who have deductions on their payslip aside from the tax amount, page-big and other loans?

One of these deductions is your contribution to the Social Security System (SSS) which you might not be able to enjoy at the moment.





However, your future self and beneficiaries will thank you for these deductions that serve as your contribution to the SSS.

The SSS is not there to get your salary; they are built to serve as an insurance program that assists employees and their families/beneficiaries regarding protection against maternity, death, disability, and sickness.

Here is the list of benefits that an SSS member can enjoy:

1. Salary Loan

This is a type of cash loan that was granted to the members who currently contributes, and it aims to meet the member’s short-term financial needs. This cash loan could be enjoyed on the following conditions:



  • The member should already have paid in the recent six months contributions in the last 12 months before their loan application.

2. Maternity Benefits

The female members can claim this benefits when they are unable to report on their work due to childbirth or miscarriage. It serves as their daily cash allowance, but it could be enjoyed on the following conditions:

  • The female members have to pay their three monthly contributions within the 12-month period before the last semester of their childbirth or miscarriage.
  • The female member should submit the required pregnancy notification to SSS.

3. Retirement Benefits

These benefits are given to members who could no longer work due to their old age, and it is given as either monthly pension or lump sum and on this following condition:

  • The members are 60 or 65 years old and already retired from their work with at least 120 monthly contributions before the semester of their retirement.



4. Sickness Benefits

The members can claim this benefits when they are unable to report on their work due to their injury or sickness. It serves as their daily cash allowance, but there are sicknesses that these benefits don’t cover such as a headache, cold, stomach ache, cough and other ordinary illness that can be cured at your home.

The members can claim the said benefits on the following condition:

  • The member could not report on his/her work because of an injury or sickness that cause him/her to be admitted in the hospital, or he/she was advised by the doctor to stay at home for four days
  • Before member’s injury or sickness, he/she should have already paid his/her recent three months contribution within 12 months period.
  • The members should already use all his/her company leave benefits with pay.
  • The members should notify his/her employer regarding his/her injury or sickness by filling the sickness benefit. However, for Unemployed, Voluntary or Self-employed members, they should submit the sickness notification directly to SSS. 

5. Death Benefits

This benefit is given to the beneficiaries of the deceased members in either monthly pension or lump sum. Beneficiaries are the member’s legal spouse and legitimate or illegitimate children under 21 years old. However, in the absence of the member’s beneficiaries, the second beneficiaries will receive the cash benefit in the following condition:

  • The beneficiaries could get the pension of the deceased member if the member paid at least 36 monthly contributions before the semester of his/her death.
  • The beneficiaries can get the granted lump-sum amount of the deceased member if the member has paid less than 36 monthly contributions before the semester of his/her death. In the absence of the primary beneficiaries, the secondary beneficiaries are also granted the lump-sum amount of the death benefit the deceased member.



6. Funeral Benefits

This benefits amounting to P20,000 to P40,000 are given to whoever pays the burial expenses of the deceased member or pensioner on the following conditions:

  • For self-employed/non-working spouse/OFW members – the deceased member should already pay at least one monthly contribution to be granted to funeral benefit.
  • For employed members and those separated from employment – the employer should report for coverage by his/her deceased employee/member, even if no contribution was paid, for his/her beneficiaries to be granted to the funeral benefit.

7. Disability Benefits

This benefit is for the member who becomes partially or disabled and any members with at least one-month contribution before being disabled is qualified to avail the said benefits. This will be given to them either monthly pension or lump-sum.





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