SSS Disability Benefit: Pension and Lump Sum
Social Security System · benefits
Quick answer
SSS pays a disability benefit as a monthly pension where the member has at least 36 contributions before the semester of disability, otherwise a lump sum. The minimum pension is ₱1,000, ₱1,200 or ₱2,400 by credited years of service, plus a ₱1,000 additional benefit since January 2017.
Last verified
Where these figures come from
About these figures: the numbers below come from SSS's official published sources: Social Security System | Disability Benefit (https://www.sss.gov.ph/disability-benefit/, retrieved 2026-08-31); Social Security System | Citizen's Charter 2026 (1st Edition, External Services) (https://www.sss.gov.ph/wp-content/uploads/2026/07/2026-SSS-Citizens-Charter-1st-Edition-External-Services.pdf, retrieved 2026-08-31); Social Security System | SSS Contribution Table (https://www.sss.gov.ph/sss-contribution-table/, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with SSS before you rely on them. Last verified: 2026-08-31.
SSS adopts the World Health Organization’s definition of disability: any restriction or lack of ability to perform an activity in the manner or within the range considered normal for a human being. The benefit that follows is either a pension or a lump sum, and the dividing line is 36 contributions.
Which one you get
| Type | Condition |
|---|---|
| Monthly pension | At least 36 monthly contributions paid before the semester of disability |
| Lump sum | Fewer than 36 monthly contributions |
| Lump sum | Also where the benefit is assessed as payable for less than 12 months |
To qualify at all, a member needs at least 1 monthly contribution paid before the semester of contingency.
The monthly pension
The amount is based on the number of paid contributions, the monthly salary credit, and years of membership before the semester of contingency. SSS publishes the floors:
| Credited years of service | Minimum monthly pension |
|---|---|
| Less than 10 CYS | ₱1,000 |
| At least 10 CYS | ₱1,200 |
| At least 20 CYS | ₱2,400 |
The MSC that feeds those calculations runs ₱5,000 to ₱35,000 under the current schedule, with benefits computed only up to ₱20,000. The SSS contribution table covers it.
The lump sum, with SSS’s own worked example
The lump sum is the higher of:
| # | Formula |
|---|---|
| 1 | Monthly pension × number of monthly contributions before the semester of contingency × percentage of disability |
| 2 | Monthly pension × 12 × percentage of disability |
SSS’s published example: a member whose degree of disability is 20% of the body, with 24 months of contributions before the semester of contingency.
| Calculation | Result |
|---|---|
| ₱1,000 × 24 × 20% | ₱4,800 |
| ₱1,000 × 12 × 20% | ₱2,400 |
| Benefit paid | ₱4,800, the higher of the two |
What counts as a disability
Permanent partial
Complete and permanent loss or use of any of the following:
| # | Body part | # | Body part |
|---|---|---|---|
| 1 | One thumb | 9 | One foot |
| 2 | One index finger | 10 | One leg |
| 3 | One middle finger | 11 | One ear |
| 4 | One ring finger | 12 | Both ears |
| 5 | One little finger | 13 | Hearing of one ear |
| 6 | One big toe | 14 | Hearing of both ears |
| 7 | One hand | 15 | Sight of one eye |
| 8 | One arm |
Removal of the following female generative organs also counts, provided the member was below 45 years old at the time of the operation, per SSC Resolution 1433: loss of uterus alone; uterus and one ovary; uterus and both ovaries; one ovary; both ovaries.
Permanent total
| # | Condition |
|---|---|
| 1 | Complete loss of sight of both eyes |
| 2 | Loss of two limbs at or above the ankles or wrists |
| 3 | Permanent complete paralysis of two limbs |
| 4 | Brain injury resulting in incurable imbecility or insanity |
| 5 | Such cases as determined and approved by the SSS |
The extras
| Benefit | Amount | Since |
|---|---|---|
| Additional benefit for disability pensioners | ₱1,000 | January 2017 |
| Supplemental disability allowance | ₱500 | - |
| Dependent’s pension, per dependent child | 10% of the member’s monthly pension, or ₱250, whichever is higher | - |
| On death of a permanent total disability pensioner | Primary beneficiaries as of the date of disability receive 100 percent of the monthly pension, and dependents the dependent’s pension | - |
So a pensioner at the ₱1,000 floor with the additional benefit and the supplemental allowance receives ₱2,500 a month, and ₱2,750 with one dependent child at the ₱250 floor. Those totals are arithmetic on SSS’s published lines.
Worked floors
| Credited years of service | Minimum pension | Plus ₱1,000 additional | Plus ₱500 supplemental | With 1 dependent at ₱250 |
|---|---|---|---|---|
| Under 10 CYS | ₱1,000 | ₱2,000 | ₱2,500 | ₱2,750 |
| At least 10 CYS | ₱1,200 | ₱2,200 | ₱2,700 | ₱2,950 |
| At least 20 CYS | ₱2,400 | ₱3,400 | ₱3,900 | ₱4,150 |
What to submit
| # | Requirement | Where to secure |
|---|---|---|
| 1 | Disability Claim Application Form | Medical Evaluation Centres, or the SSS website |
| 2 | Member’s or Claimant’s Photo and Signature Form, for an initial claim | MECs, or the SSS website |
| 3 | SSS UMID card or valid IDs | - |
| 4 | SSS Medical Certificate Form, accomplished by the attending physician | MECs, or the SSS website |
| 5 | Medical records, with the reckoning date being the date of filing | Hospital or laboratory |
| 6 | Single savings account passbook, or an ATM card with the account number | Issuing bank |
How the money reaches you
| Route | Detail |
|---|---|
| Default | The UMID card enrolled as ATM |
| Otherwise | PESONet participating banks, e-wallets, or accredited remittance transfer companies and cash payout outlets |
| What to enrol in the DAEM | Bank name and account number for PESONet; the mobile number linked to the account for an e-wallet; the mobile number for an RTC or CPO |
| Also required | A proof of account, a government-issued ID in JPEG or PDF, and a selfie holding the ID and the proof of account |
| Crediting time | 5 to 7 banking days from the date of settlement of the claim |
| Notification | Email or SMS, with status viewable in the My.SSS Inquiry Module |
The SSS UMID and MySSS Card guide covers the card, and the My.SSS registration guide the account.
Processing times across SSS benefits
| Claim | Published total | Fee |
|---|---|---|
| Disability benefit, filed personally | 15 working days | None |
| Disability benefit, through a representative | 15 working days | None |
| Disability benefit, through My.SSS | 15 working days | None |
| Death benefit | 20 working days | None |
| Funeral benefit | 7 working days | None |
| Unemployment benefit | 3 working days | None |
What the supporting documents cost
| Document | Published fee | Where it is covered |
|---|---|---|
| PSA birth certificate, viewable online copy | ₱130.00 | PSA birth certificate |
| PSA marriage certificate | ₱130.00 | PSA marriage certificate |
| A correction petition, if an entry is wrong | ₱1,000.00 or ₱3,000.00 | PSA correction of name |
| BIR TIN Card, replacement | ₱100.00 | TIN ID |
| Philippine passport, regular | ₱950.00 | Passport renewal |
What this page does not cover
SSS does not publish, on the pages read for this guide, the schedule of disability percentages by body part, the medical evaluation criteria, the appeal route for a denied claim, the prescriptive period for filing, or the conditions under which a partial disability pension converts to total. None of those are stated here.
Related
The SSS sickness benefit guide covers the short-term counterpart. The retirement pension guide and the death and funeral benefit guide cover the other final benefits.
Frequently asked questions
- Who qualifies for the SSS disability benefit?
- A member who suffers partial or permanent total disability with at least 1 monthly contribution paid to the SSS before the semester of contingency may qualify. A monthly pension needs at least 36 monthly contributions before the semester of disability.
- How much is the monthly pension?
- It is based on the member's number of paid contributions, monthly salary credit and years of membership before the semester of contingency. The published minimums are ₱1,000 for members with less than 10 credited years of service, ₱1,200 with at least 10 CYS and ₱2,400 with at least 20 CYS.
- How is the lump sum computed?
- The higher of two calculations: the monthly pension multiplied by the number of monthly contributions before the semester of contingency multiplied by the percentage of disability; or the monthly pension multiplied by 12 multiplied by that percentage. SSS's own example uses ₱1,000 × 24 × 20% = ₱4,800 against ₱1,000 × 12 × 20% = ₱2,400, and pays ₱4,800.
- When is the benefit paid as a lump sum instead of a pension?
- Where the member has not met the required 36 monthly contributions, and also where the disability benefit is assessed as payable for less than 12 months.
- What counts as a permanent partial disability?
- Complete and permanent loss or use of one thumb, index, middle, ring or little finger, one big toe, one hand, arm, foot, leg or ear, both ears, hearing in one or both ears, or sight of one eye. Removal of certain female generative organs also counts, provided the member was below 45 years old at the time of the operation, per SSC Resolution 1433.
- What counts as a permanent total disability?
- Complete loss of sight of both eyes, loss of two limbs at or above the ankles or wrists, permanent complete paralysis of two limbs, brain injury resulting in incurable imbecility or insanity, and such other cases as determined and approved by the SSS.
- Are there additional benefits?
- Yes. A ₱1,000 additional benefit starting January 2017, on top of the ₱500 supplemental disability allowance. Dependent children conceived or legally adopted before the date of contingency of a total disability pensioner each receive 10% of the member's monthly pension or ₱250, whichever is higher.
- How long does the claim take?
- The SSS Citizen's Charter publishes 15 working days for a disability benefit claim application, whether filed personally, through a representative or through My.SSS, at no fee. Crediting of the payment is made within 5 to 7 banking days from settlement of the claim.