SSS Benefits

1. Concept

Social security benefits – refer to the ‘package of benefits under the Social Security Program in the event of death, disability, sickness, maternity, old age and unemployment. Work-related death, disability and sickness also receive benefits under the Employees’ Compensation (EC) Programs. Basically, social security provides replacement for income lost on account of the aforementioned contingencies. (2024 DOLE-BWC Handbook on Workers’ Statutory Monetary Benefits or “DOLE-BWC Handbook”, p. 59)

2. Coverage

The Social security benefits cover ‘all employees including kasambahays or domestic workers not over sixty (60) years of age and their employer.’ (DOLE-BWC Handbook; R.A. 11199 [2019], Sec. 9)

3. Benefits

SSS benefits include:

1) Sickness benefits,

2) Maternity benefits,

3) Disability benefits,

4) Retirement benefits,

5) Death benefits,

6) Funeral benefits,

7) Unemployment benefits, and

8) Employees’ Compensation Program.  (SSS. “Summary of SSS Benefits”. https://www.sss.gov.ph/sss/DownloadContent?fileName=SUMMARY_OF_BENEFITS.pdf; DOLE-BWC Handbook, p. 59)

a. Sickness benefits

Sickness benefits – refer to ‘a daily cash allowance paid for the number of days a member is unable to work due to sickness or injury.’ (Summary of SSS Benefits, p. 1; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘The amount of the member’s daily Sickness Benefit allowance is equivalent to ninety percent (90%) of his/her average daily salary credit (ADSC).’ (Summary of SSS Benefits, p. 1)

⦁ ‘The Sickness Benefit is granted up to a maximum of 120 days in one (1) calendar year.’ (Ibid.)

b. Maternity benefits

Maternity benefits – refer to ‘a daily cash allowance granted to a female member who is unable to work due to childbirth or miscarriage,’ as well as ‘emergency termination of pregnancy (ETP).’ (Summary of SSS Benefits, p. 1; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘The amount of the daily cash allowance is equivalent to 100% of the member’s ADSC for a compensable period of 105 days for normal or caesarean section delivery, 120 days for solo parents under R.A. 8972 or the Solo Parents’ Welfare Act, or 60 days for miscarriage or emergency termination of pregnancy including stillbirth.’ (Summary of SSS Benefits, p. 1)

⦁ ‘The Maternity Benefit is granted regardless of member’s civil status and frequency of pregnancy.’ (Ibid.)

c. Disability benefits

Disability benefits – refer to ‘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.’ (Summary of SSS Benefits, p. 1; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘The minimum 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.’ (Summary of SSS Benefits, p. 1)

⦁ ‘If qualified, the member is granted a monthly Disability Pension, plus P500 monthly Supplemental Allowance.’ (Ibid.)

⦁ ‘Dependent’s Pension (for total disability) – 10% of the member’s basic monthly pension, or P250, whichever is higher. Only five (5) dependent minor children, beginning from the youngest, are entitled to dependent’s pension. No substitution is allowed.’ (Ibid.)

⦁ ‘Plus P1,000 additional benefit effective January 2017.’ (Ibid.)

⦁ ‘13th month pension – payabale every December too total disability pensioners; for partial disability pensioners,, 13th month pension shall be paid provided that pension duration is at least 12 month.’ (Ibid.)

d. Retirement benefits

Retirement benefits – refer to ‘a cash benefit granted—either as a monthly pension or a lump sum amount—to a member who can no longer work due to old age.’ (Summary of SSS Benefits, p. 1; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘If qualified, the member is granted a monthly Retirement Pension, plus a 13th Month Pension payable every December.’ (Summary of SSS Benefits, p. 1)

⦁ ‘If the member has dependent minor children, they are entitled to receive a Dependent’s Pension equivalent to 10% of the member’s basic monthly pension or P250, whichever is higher. Only five (5) dependent minor children, beginning from the youngest, are entitled to Dependent’s Pension. No substitution is allowed.’ (Ibid.)

⦁ ‘The retiree has the option to receive the first 18 months pension in lump sum, discounted at a preferential rate to be determined by the SSS. This option can be exercised only upon application of the first retirement claim, and the Dependent’s Pension are excluded from the advanced 18 months pension.’ (Ibid.)

⦁ ‘The minimum monthly Retirement Pension is P1,200 if the member has 120 months contribution or at least ten (10) CYS; or P2,400 if with at least 20 CYS.’ (Ibid.)

e. Death benefits

Death benefits – refer to ‘a cash benefit granted—either as a monthly pension or a lump sum amount—to the beneficiaries of a deceased member.’ (Summary of SSS Benefits, p. 2; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘If qualified, the member’s primary beneficiary is granted a monthly Death Pension, plus a 13th Month Pension payable every December.’ (Summary of SSS Benefits, p. 2)

⦁ ‘If there are no primary beneficiaries, the member’s secondary beneficiaries (dependent parents) shall be given a lump sum amount. In their absence, the lump sum benefit is paid to the member’s designated beneficiaries of his/her legal heirs.’ (Ibid.)

⦁ ‘If the member has dependent minor children, they are entitled to receive a Dependent’s Pension equivalent to 10% of the member’s monthly pension or P250, whichever is higher. Only five (5) minor children beginning form the youngest are entitled to Dependent’s Pension. No substitution is allowed.’ (Ibid.)

⦁ ‘The minimum monthly Death Pension is P1,000 if the member had less than 10 CYS; P1,2000 if with at least 10 CYS; and P2,400 with at least 20 CYS.’ (Ibid.)

⦁ ‘Plus, P1,000 additional benefit effective January 2017.’ (Ibid.)

f. Funeral benefits

Funeral benefits – refer to ‘a cash benefit given to whoever paid for the burial expenses of the deceased member.’ or ‘pensioner.’ (Summary of SSS Benefits, p. 2; DOLE-BWC Handbook, p. 59)

Benefits

⦁ ‘The Funeral Benefit is a variable amount ranging from a minimum of P20,000 to a maximum of P40,000 depending on the member’s number of paid contributions and average monthly salary credit.’ (Summary of SSS Benefits, p. 2)

g. Unemployment benefits

Unemployment benefits or unemployment insurance or involuntary separation benefit – refer to ‘a cash benefit granted to covered employees, including Kasambahay and OFWs (sea-based and land-based) who are involuntarily separated from employment (e.g. due to retrenchment or downsizing, closure or cessation of operation, installation of labor-saving devices, redundancy, etc.’ (Summary of SSS Benefits, p. 2; DOLE-BWC Handbook, p. 60)

Benefit

⦁ ‘If qualified, the employee is granted an amount that is equivalent to twice the half of the member’s average monthly salary credit (AMSC).’ (Summary of SSS Benefits, p. 2)

h. Employees’ Compensation Program

Benefits

1) ‘Temporary Total Disability (TTD) – Minimum Amount of P110 and maximum amount of

– P480, effective May 19, 2018.’ (Summary of SSS Benefits, p. 2)

2) ‘Permanent Partial Disability/Permanent Total Disability (PPD/PTD)

– The amount of minimum pension is P2,000

– Member is entitled to an additional pension amounting to P1,150 effective January 1, 2017

– Supplemental or Carer’s allowance increased to P1,000 effective May 19, 2018

13th Month

– The dependent minor children is entitled to a Dependent’s Pension (for total disability) equivalent to 10% of the monthly pension. Only five (5) dependent minor children beginning from the youngest are entitled to a dependent’s pension, without substitution.’ (Summary of SSS Benefits, p. 2)

3) ‘Death

– The amount of benefit granted is equivalent to monthly pension plus 15% difference.

– The dependent minor children is entitled to dependent’s pension equivalent to 10% of the monthly pension. Only five (5) dependent minor children beginning from the youngest are entitled to dependent’s pension, without substitution.

– The amount of minimum pension is P2,000.

– Member is also entitled to P1,150 additional benefit effective January 2017.’ (Summary of SSS Benefits, p. 2)

4) ‘Funeral

– The amount of benefit is P30,000 effective August 2, 2017.’ (Summary of SSS Benefits, p. 2)

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