SSS guides
Social Security System
Contributions, salary loans, pensions and benefits for private-sector workers. Official site: www.sss.gov.ph
Showing 22 of 22 guides
online servicesHow to Check Your SSS Contributions OnlineYour contribution record lives in My.SSS. Registration is published at 20 minutes without uploads, and a password reset at 15 minutes.contributionsHow to Pay SSS Contributions: PRN and Every ChannelGenerate a Payment Reference Number in My.SSS, then pay through GCash, Maya, ShopeePay, a bank or a Bayad Center. The full published channel list.loansSSS Calamity Loan: 7% Rate and What You ReceiveThe SSS calamity loan runs at 7% a year over 24 months and lends one month of your salary credit. Eligibility, deductions and payments explained.loansSSS Conso Loan: Penalty Condonation TermsPay in full within 30 days and 100% of the penalty is condoned. Or put 10% down and take up to 60 months at 10% a year.contributionsSSS Contribution Table 2026: Every Bracket in FullThe complete SSS contribution schedule effective January 2025: all 61 salary brackets, the 10% employer and 5% employee split, and the EC contribution.benefitsSSS Death and Funeral Benefit: Amounts in FullFuneral benefit runs ₱20,000 to ₱60,000, or a fixed ₱12,000. Death benefit is a pension of at least ₱1,000, ₱1,200 or ₱2,400 by service.benefitsSSS Disability Benefit: Pension and Lump SumMinimum pension ₱1,000, ₱1,200 or ₱2,400 by service, plus a ₱1,000 additional benefit and a ₱500 supplemental allowance.loansSSS Educational Loan: Where It Stands in 2026The EALP is in the SSS Citizen's Charter but not on the public Member Loans menu. Income ceiling ₱25,000, 36 contributions, queue system.employersSSS Employer Registration: Form R-1 and What It TakesRegister a business with SSS using form R-1 in 3 hours 10 minutes at no fee. Requirements by entity type, the ID rules and the R-1A employment report.membershipSSS for OFWs: Coverage, Contributions, 32 OfficesLand-based OFWs are compulsory members treated as self-employed. SSS runs 32 foreign offices and a dedicated OFW contact section.formsSSS Forms: E-1, E-4, R-1, R-1A and the Full ListWhat each SSS form is for, from the E-1 Personal Record to the R-1A Employment Report, and which transactions have moved online instead.online servicesSSS Hotline 1455 and the Branch NetworkOne national hotline, a dedicated OFW line, an SSS-DMW branch and 32 foreign offices. Which channel handles which problem.benefitsSSS Maternity Benefit: 105 Days and What It Pays100% of your average daily salary credit for 105 days, 120 for solo parents, 60 for miscarriage. How it is computed and what each salary credit produces.online servicesSSS Mobile App: What MySSS Can Actually DoThe MySSS app handles PRN generation in 15 minutes, disbursement enrolment, salary loan applications and maternity notifications.membershipSSS Online Registration: SS Number and My.SSSGet an SS number online in 2 working days, then register a My.SSS account. The seven registration preferences and what each one requires.loansSSS Pension Loan: 10% Rate and Loanable AmountsThe SSS Pension Loan lends 3 to 12 times your monthly pension at 10% a year, capped at ₱300,000. Terms, the 40% take-home rule and what is deducted.benefitsSSS Pension: The Formula and What It PaysThe SSS monthly pension is the highest of three formulas. Full pension table by salary credit and years of service, plus the ₱1,000 extra benefit.loansSSS Salary Loan: 8% Rate, Amounts and PaymentsThe SSS salary loan runs at 8% a year over 24 months, and lends one or two months of your salary credit. Requirements, payments and renewal rules.benefitsSSS Sickness Benefit: 90% of Your Daily Salary CreditSSS pays 90% of your average daily salary credit while you cannot work, up to 120 days a year. Eligibility, the 5-day notification rule and what it pays.benefitsSSS Unemployment Benefit: Who Actually Qualifies36 contributions, 12 in the last 18 months, under 60, and involuntarily separated. Filed online within 1 year, once every 3 years.savingsSSS WISP and MySSS Pension Booster ExplainedWISP is automatic above a ₱20,000 MSC with a 1% management fee. The Pension Booster is voluntary from ₱500 a payment, tax-free.membershipUMID Card and MySSS Card: What Replaced WhatSSS now issues the MySSS Card, an ID and debit card applied for in My.SSS in 4 working days at no fee. What that means if you hold a UMID card.
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