SSS guides
Social Security System
Contributions, salary loans, pensions and benefits for private-sector workers. Official site: www.sss.gov.ph
Showing 23 of 23 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.benefitsSSS ACOP: Confirm Yearly or Your Pension StopsMiss ACOP and SSS suspends the pension 1 month after your birth month, then cancels it after 2 years. Who must comply and every way to do it.online servicesSSS Branches: All 253 Offices and Their HoursAll 253 SSS branches and service offices with their published hours, plus hotline 1455, the OFW line and the 32 foreign offices.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.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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SSS calculators
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SSS Maternity Benefit CalculatorWork out the SSS maternity benefit from your six highest monthly salary credits, for 105, 120 or 60 days, including days allocated to the father.SSS Pension CalculatorProject an SSS monthly pension from an average monthly salary credit and credited years of service, using the published SSS formula.SSS Salary Loan CalculatorWork out an SSS salary loan amount and its 24-month amortisation from your monthly salary credit and a rate you enter.SSS Sickness Benefit CalculatorWork out the SSS sickness benefit at 90% of the average daily salary credit, with the 4-day minimum and the 120-day annual cap applied.