Let's talk SSS – your quick guide to your benefits and claims.

Your benefits depend on who you are and your situation:

👤 If you’re Employed or Voluntary SSS Member:

• Sickness Benefit – If you’re sick for at least 4 days and have used up company sick leave.

• Disability Benefit – If you become partially or permanently disabled.

• Unemployment Benefit – If you lose your job due to retrenchment, closure, or downsizing.

• Retirement Benefit – If you reach 60 (optional) or 65 (mandatory) years old and have enough contributions.

• Funeral & Death Benefit – Your family gets assistance if something happens to you.

• Maternity Benefit (for women) – Paid leave if you give birth or have a miscarriage.

• Survivorship Benefit – If your spouse passes away, you may receive a pension.

• Non-Working Spouse Coverage – If your spouse is unemployed, they can be covered under your SSS as a voluntary member.

👨‍👩‍👧 If you have DEPENDENTS (Children, Parents, or Siblings)

• Dependent’s Pension – If you’re a pensioner or pass away, your minor children may receive extra benefits.

⚠️ If your SITUATION is WORK-RELATED (Accidents, Sickness, Injury at Work)

• Employees’ Compensation (EC) Benefit – Covers work-related sickness, injuries, or death, separate from regular SSS benefits.

You may qualify for one or multiple benefits depending on your condition.

✅ Step 1: What Benefits Can You Claim?

1. SSS Sickness Benefit – ₱160 – ₱1,600 per day (90% of Average Daily Salary Credit) for up to 120 days/year (for temporary sickness or injury).

2. SSS Partial Disability – ₱1,000 – ₱18,000 per month (for permanent loss of function in a body part but still able to work).

3. SSS Total Disability – ₱1,000 – ₱18,000 per month (lifetime pension if qualified, for those permanently unable to work).

4. Employees’ Compensation (EC) Sickness/Disability Benefit – Extra ₱480 per day (for sickness) + ₱2,000 – ₱4,000 per month (for disability), separate from regular SSS benefits (for work-related injury or illness).

💡 If your illness or injury started as temporary but worsened into a disability, you can shift from a Sickness Benefit to a Disability Benefit.

✅ Step 2: Check If You’re Eligible

🔹 SSS Sickness Benefit

• You must be unable to work due to sickness or injury and is confined either in a hospital or at home for at least four (4) days.

• You must have at least 3 consecutive paid contributions in the last 12 months.

🔹 SSS Partial or Total Disability Benefit

• You must have at least 36 contributions to qualify for monthly pension (otherwise, you get a lump sum).

• A medical assessment is required to determine partial vs. total disability.

🔹 Employees’ Compensation (EC) Benefit (Work-related cases only)

• No minimum contributions required, but your employer must report the injury.

• This is a separate benefit from SSS, meaning you can receive both.

✅ Step 3: How to Apply

1. Sickness Benefit – Employer files online via My.SSS. You must submit a medical certificate and company-approved sick leave records.

2. Disability Benefit – Apply via My.SSS or visit an SSS branch with medical records and a doctor’s certification.

3. Employees’ Compensation (EC) Benefit – If work-related, your employer must file the EC claim along with your SSS claim.

✅ Step 4: Receive Your Payment

• Sickness Benefit → Paid via your bank account (DAEM) within 5-20 days.

• Disability Pension → Monthly pension or lump sum, depending on your contributions, processed within 1-2 months.

• EC Benefit → Separate from SSS, processed after employer verification.

Final Notes

✔ You can claim SSS Sickness and Disability at different times if your condition worsens.
✔ Work-related injuries qualify for additional EC benefits on top of SSS.
✔ If permanently disabled, you may qualify for lifetime pension under the Disability Benefit.

Filipino parents are entitled to leave benefits under various laws designed to support them during and after childbirth. Here’s a quick guide to understanding paternity leave, maternity leave, and how these benefits work together:

✅ Step 1: Understand Paternity Leave Benefits (For Fathers)

✔ Who Can Avail?

Married fathers (with cohabiting legitimate spouse).

✔ How Many Days?

7 days with full pay for the first 4 deliveries or miscarriages of the spouse.

✔ Purpose:

Time to support the wife’s recovery and assist in caring for the newborn.

💡 Tip: Paternity leave can also apply in case of miscarriage.

✅ Step 2: Learn About Maternity Leave Benefits (For Mothers)

✔ Expanded Maternity Leave Law (RA 11210):

105 days of paid leave for mothers, with an option to extend by 30 days (without pay).

✔ Additional 15 days for solo mothers (total: 120 days).

✔ In Case of Miscarriage: 60 days paid leave.

💡 To qualify, mothers must have paid at least 3 months of Social Security System (SSS) contributions within the 12-month period before childbirth.

✅ Step 3: Allocating Maternity Leave Days to Fathers

Mothers can transfer up to 7 days of their maternity leave to the father, whether or not they are married.

✔ Example Scenario:

If a mother allocates 7 days to the father, he can take:

7 days of paternity leave under RA 8187, plus

7 additional days from the mother’s leave, totaling 14 days of paid leave.

💡 The father must be eligible and follow SSS and employer procedures to avail of the transferred leave.

✅ Step 4: How to Apply for Paternity or Maternity Leave

For Paternity Leave:

1️⃣ Notify your employer at least one week before the wife’s due date.

2️⃣ Submit necessary documents (e.g., marriage certificate, medical certificate).

3️⃣ Take your approved paternity leave when the baby arrives.

For Maternity Leave:

1️⃣ Submit an SSS maternity notification at least 60 days before the due date.

2️⃣ Provide required documents (e.g., ultrasound report, medical certificate).

3️⃣ Once approved, avail of maternity leave benefits as scheduled.

It depends on the type of loan you currently have and what new loan you want to apply for.

✅ Step 1: Check Your Current Loan Status

✔ Log in to My.SSS → Go to E-Services → Loan Inquiry.
✔ Check if your current loan is fully paid or has an outstanding balance.

✅ Step 2: See If You’re Eligible for a New Loan

• Salary Loan (Active) – ❌ No, you must fully pay the existing loan first.

• Salary Loan (Renewal) – ✅ Yes, if you've paid at least 50% of the existing loan and 12 months have passed since the last loan.

• Calamity Loan – ❌ No, you can only apply once per declared calamity.

• Housing Loan – ✅ Yes, you can get another salary loan, but only one active housing loan is allowed.

• Pension Loan – ✅ Yes, if you meet pension requirements, you can reapply after full payment.

💡 Salary Loan renewals require at least 50% of the previous loan to be paid off and 12 months since the last loan was granted.

✅ Step 3: How to Apply for a New Loan (If Eligible)

1️⃣ Log in to My.SSS → Click E-Services → Apply for Loan.
2️⃣ Choose the loan type and fill out the form.
3️⃣ Wait for approval and processing (usually 3-5 working days).
4️⃣ The loan will be credited to your bank account (DAEM).

✅ Step 4: Repay Your Loan on Time

✔ Salary Loans are repaid in 24 months via payroll deduction.
✔ Late payments result in penalties and interest charges.
✔ If you don’t repay, future SSS benefits (retirement, disability, etc.) may be deducted to cover unpaid loans.

Final Notes

✔ You must pay at least 50% of your existing salary loan to renew it.
✔ If you have a housing or pension loan, you can still apply for a salary loan.
✔ If you default on your loans, SSS can deduct from future benefits.