SSS Law Outline
SSS Law Outline
SSS Law Outline
Sickness Benefit
The sickness benefit is a
daily cash allowance paid
for the number of days a
member is unable to work
due to sickness or injury.
A member can be granted
sickness benefit for a
maximum of 120 days in
one calendar year. Any
unused portion of the
allowable 120 days
sickness benefit cannot
be carried forward nor
added to the total number
of allowed compensable
days for the following
year.
Maternity Benefit
The maternity benefit is a
daily cash allowance
Benefit Computation:
1. Exclude the semester of
sickness.
A semester refers to
two consecutive quarters
ending in the quarter of
sickness.
A quarter refers to
three consecutive
months ending March,
June, September or
December.
2. Count 12 months
backwards starting from
the month immediately
before the semester of
sickness.
3. Identify the six highest
monthly salary credits
within the 12-month
period.
Monthly salary
credit salary credit
means the compensation
base for contributions
and benefits related to
the total earnings for the
month. (The maximum
covered earnings or
compensation is
P16,000 effective
January 1, 2014).
granted to a female
member who was unable
to work due to childbirth or
miscarriage.
A semester refers to
two consecutive quarters
ending in the quarter of
sickness.
A quarter refers to
three consecutive
months ending March,
June, September or
December.
2. Count 12 months
backwards starting from
the month immediately
before the semester of
contingency.
3. Identify the six highest
monthly salary credits
within the 12-month
period.
Monthly salary
credit salary credit
means the compensation
base for contributions
and benefits related to
the total earnings for the
month. (The maximum
covered earnings or
compensation is
P16,000 effective
January 1, 2014).
4. Add the six highest
monthly salary credits to
get the total monthly
salary credit.
5. Divide the total monthly
salary credit by 180 days
to get the average daily
salary credit. This is
equivalent to the daily
maternity allowance.
6. Multiply the daily
maternity allowance by
60 (for normal delivery or
miscarriage) or 78 days
(for caesarean section
delivery) to get the total
amount of maternity
benefit.
Disability Benefit
Adopting the World Health
Organization's (WHO)
definition, disability is any
Monthly Pension
Benefit Computation
The amount of the monthly
pension will be based on the
member's number of paid
"restriction or lack
(resulting from
impairment) of ability to
perform an activity in the
manner or within the
range considered normal
for a human being".
The redesigned SSS
Disability Benefit program
adopts the International
Classification of Diseases
and Related Health
Problems codes and
takes into account the
medical management of
illnesses and injuries and
their corresponding
impairment ratings.
pension, a supplemental
allowance of P500.00 is paid to
the total or partial disability
pensioner. The allowance will
provide additional financial
assistance to meet the extra
needs arising from the disability.
Total disability pensioners and
their legal dependents prior to
the effectivity of R.A. 7875 on
March 4, 1995 are entitled to
hospitalization benefits under
PhilHealth. A copy of DDR Printout indicating the type of claim is
disability in nature and the
effectivity date of pension or a
Copy of Disability-Pensioner
Certification, shall be submitted.
Total disabled pensioners upon
the effectivity of R.A. 7875 on
March 4, 1995 and thereafter,
are no longer covered except
when they have accumulated
one hundred twenty (120)
Medicare monthly contributions
and have reached age sixty (60).
However, those who wish to avail
of PhilHealth benefits may enroll
in the Individually-Paying
Program (for voluntary/selfemployed) or the Indigent
Program (IP) of PhilHealth.
Dependent's Allowance
Benefit Payment
Retirement Benefit
The retirement benefit is a
cash benefit either in
monthly pension or lump
sum paid to a member
who can no longer work
due to old age.
Monthly Pension
Benefit Computation
The monthly pension depends
on the member's paid
contributions, his credited years
of service (CYS), and the
number of his dependent minor
children that must not exceed
five. The monthly pension will be
the highest amount resulting
from either one of these three
pension formulae:
1. the sum of P300 plus 20
percent of the average
monthly salary credit
plus two percent of the
average monthly salary
credit for each credited
year of service (CYS) in
excess of ten years; or
2. forty (40) percent of the
average monthly salary
credit; or
3. P1,200, if the CYS is at
least 10 but less than 20;
or P2,400, if the CYS is
20 or more.
The monthly pension is paid for
not less than 60 months.
A member who retires after age
60 with a total of 120 monthly
contributions may be qualified to
a monthly pension based on
whichever is higher of the
following:
the monthly pension
computed at the earliest
time the member could
have retired had been
separated from
employment or ceased
to be self-employed plus
all adjustments thereto;
or
the monthly pension
computed at the time
when the member
actually retires.
A pensioner who retires more
Benefit Payment
Other Benefits
1. The retiree is
entitled to a 13th
month pension
payable every
December.
2. All retiree
pensioners prior
to the effectivity
of RA 7875 on
March 4, 1995
are automatically
considered
members of
PhilHealth and,
along with their
legal
dependents, are
entitled to
PhilHealth
hospitalization
benefits. On the
other hand,
retirees effective
March 4,1995 up
to the present
will be entitled to
PhilHealth
hospitalization
benefits only if
they have
contributed 120
monthly
Philhealth/Medic
are
contributions.
The counting of
120 monthly
contributions
shall start in
1972, when the
Medical Care Act
of 1969 started
implementation.
A copy of the
DDR print-out
indicating the
type of claim is
retirement in
nature and the
effectivity date of
the pension, or
in its absence, a
copy of retireepensioner
certification
issued by SSS
shall be
required. They
need to register
under Philhealth
for the issuance
of a Philhealth
ID card for nonpaying
members.
Death Benefit
It is a cash benefit either
in monthly pension or
lump sum paid to the
beneficiaries of a
deceased member.
The primary beneficiaries
are the legitimate
dependent spouse until
the person remarries, and
primary beneficiaries of a
deceased member who
had paid less than 36
monthly contributions
before the semester of
death. The secondary
beneficiaries shall be
entitled to a lump sum
benefit.
Monthly Pension
Benefit Computation
The monthly pension depends
on
the
member's
paid
contributions, his credited years
of service (CYS), and the
number of dependent minor
children that must not exceed
five. The monthly pension will be
the highest amount resulting
from either one of these three
pension formulae:
1. the sum of P300 plus 20
percent of the average
monthly salary credit
plus two percent of the
average monthly salary
credit for each credited
year of service (CYS) in
excess of ten years; or
2. forty (40) percent of the
average monthly salary
credit; or
3. P1,000, if the CYS is
less than 10; P1,200 if
with at least 10 CYS; or
P2,400, if the CYS is 20
or more.
The monthly pension is paid for
not less than 60 months.
Dependents and
Beneficiaries
If a deceased member is
survived by less than five minor
legitimate, legitimated, or legally
adopted children, the illegitimate
minor children will be entitled to
50 percent of the share of the
legitimate, legitimated or legally
adopted children in the basic
pension and 100 percent of the
dependents' allowance.
In cases where there are no
legitimate, legitimated, or legally
Dependent's Allowance
The dependent
legitimate, legitimated,
legally adopted or
illegitimate children,
conceived on or before
the date of death of a
deceased member will
each receive a
dependents? allowance
equivalent to 10 percent
of the members' monthly
pension, or P250,
whichever is higher.
Only five minor children,
beginning from the
youngest, are entitled to
the dependents?
allowance. No
substitution is allowed.
Where there are more
than five (5) legitimate
and illegitimate minor
children, the legitimate
shall be preferred.
The dependents'
allowance stops when
the child reaches 21
years old, gets married,
gets employed or dies.
However, the
dependents' pension is
granted for life to
children who are over 21
years old, provided they
are incapacitated and
incapable of self-support
due to physical or mental
defect which is
congenital and acquired
during minority.
Other Benefits
The deceased member?
s beneficiaries are
entitled to a 13th month
pension, payable every
December and the
funeral benefit, which is
paid to whoever
shouldered the funeral
expenses of the
deceased member.
Survivorship pensioners
prior to the effectivity of
RA 7875 on March 4,
1995 are also entitled to
hospitalization benefits
under PhilHealth. They
need to register under
PhilHealth and must
submit a DDR print-out
indicating the type of
claim is survivorship in
nature and the effectivity
date of pension or a
copy of
Death/Survivorship
Certification issued by
the SSS indicating the
effectivity of the pension
shall be submitted to
PhilHealth.
Survivorship pensioners
under the effectivity of
RA 7875 on March 4,
1995 and thereafter, are
no longer covered.
However, those who
wish to avail of
PhilHealth benefits may
enroll in the Individually Paying Program (for
voluntary/self-employed)
or the Indigent Program
(IP) of PhilHealth.
Benefit Payment
passbook/ATM must be
presented for authentication
purposes.
Upon approval of the claim, the
SSS will mail a notice voucher to
the beneficiary informing him
when to withdraw his benefit
from the bank.
Lump Sum Amount
The primary beneficiaries of a
deceased member who has paid
less than 36 monthly
contributions shall be entitled to
lumpsum benefit, which shall be
the higher of:
monthly pension
multiplied by the number
of monthly contributions
paid prior to the
semester of death; or
twelve (12) times the
monthly pension.
Funeral Benefit
It is a cash benefit given
to whoever pays the burial
expenses of the deceased
member or pensioner.