SSS benefits list 2026: amounts and who qualifies
Each benefit has its own contribution test, counted before the semester of the event.
| Benefit | Amount | Contributions needed | How to file |
|---|---|---|---|
| Sickness | 90% of average daily salary credit; up to ₱600 a day, 120 days a year | 3 in the 12 months before the semester | Employer advances, then claims in My.SSS |
| Maternity | 100% of average daily salary credit: up to ₱70,000 (105 days), ₱80,000 (solo parent, 120 days), ₱40,000 (miscarriage, 60 days) | 3 in the 12 months before the semester | My.SSS; employer advances within 30 days |
| Unemployment | 50% of average salary credit for 2 months; up to ₱20,000 | 36, with 12 in the 18 months before separation | My.SSS, then DOLE certification |
| Retirement | Highest of ₱300 + 20% AMSC + 2% per year over 10, 40% AMSC, or ₱1,200 / ₱2,400; plus ₱1,000 | 120 for a pension; fewer = lump sum | My.SSS |
| Disability | Monthly pension (lump sum if under 36 contributions), ₱500 allowance | 1 before the semester | Branch |
| Death | Pension to spouse and children; lump sum if under 36 contributions | 36 for a pension | My.SSS (spouse) or branch |
| Funeral | ₱20,000 + 0.5% × contributions × AMSC, up to ₱60,000; ₱12,000 with 1–35 contributions | 1 | Branch or My.SSS |
Sources: RA 11199 Secs. 12–14-B; RA 11210; SSS benefit pages; Circular 2023-009 B.1–B.2 (funeral); Circular 2024-006 II.B.1 (₱20,000 benefit cap). Peso ceilings are computed from that cap, not SSS-published figures. As of November 2026.
Estimate your pension with the SSS pension calculator and your maternity pay with the maternity benefit guide. Fathers get up to 7 of the mother's 105 days under RA 11210; paternity leave itself is employer-paid, not an SSS benefit.
SSS contributions 2026 by member type
Everyone pays 15% of a salary credit; what differs is the floor and who pays it.
| Member type | Salary credit | Who pays | Monthly total |
|---|---|---|---|
| Employed | ₱5,000–₱35,000 | Employer 10% + EC, employee 5% | ₱760–₱5,280 |
| Self-employed | ₱5,000–₱35,000 | Member, 15% + EC | ₱760–₱5,280 |
| Voluntary, non-working spouse | ₱5,000–₱35,000 | Member, 15% | ₱750–₱5,250 |
| Land-based OFW | ₱8,000–₱35,000 | Member, 15% | ₱1,200–₱5,250 |
| Kasambahay | ₱1,000–₱35,000 | Household employer pays all below ₱5,000 | From ₱160 |
Sources: SSS Circulars 2024-006 to 2024-010, effective January 2025 and still in force. Totals computed with the shared module. As of November 2026.
SSS contribution by salary, employed members
Monthly, 2026
- Employee
- Employer (with EC)
| Row | Employee | Employer (with EC) |
|---|---|---|
| ₱5,000 | ₱250 | ₱510 |
| ₱10,000 | ₱500 | ₱1,010 |
| ₱15,000 | ₱750 | ₱1,530 |
| ₱20,000 | ₱1,000 | ₱2,030 |
| ₱25,000 | ₱1,250 | ₱2,530 |
| ₱30,000 | ₱1,500 | ₱3,030 |
| ₱35,000 | ₱1,750 | ₱3,530 |
Salary credit above ₱20,000 goes to your Mandatory Provident Fund account, paid out separately on top of the regular pension. Work out your exact amount with the SSS contribution calculator, or all three deductions on the benefits hub.
Want to save more? The voluntary MySSS Pension Booster (formerly WISP Plus) accepts ₱500 or more per payment from any member with one posted contribution. The 1% management fee is waived for 2025–2028, returns averaged 6.2% for January–May 2026 (SSS, 22 June 2026), and payouts are tax-free on top of the regular benefit. Enrol in My.SSS (member.sss.gov.ph).
SSS services online: what you can do in My.SSS or at a branch
| Task | Where | Form | Our page |
|---|---|---|---|
| Get an SS number | Online registration (mandatory since 15 Jul 2020) | E-1 / E-6, generated online | SSS E-1 form |
| Make a temporary number permanent | Branch, with PSA birth certificate or primary ID | E-4 | SSS forms |
| Pay contributions | PRN from My.SSS, the app, hotline 1455 or partners | — | Contribution calculator |
| Maternity notification and claim | My.SSS | Maternity Notification | Maternity benefit |
| Sickness or unemployment claim | My.SSS (unemployment also needs DOLE) | Med 01688 (sickness) | My.SSS (member.sss.gov.ph) |
| Retirement claim | My.SSS | — | Pension calculator |
| Disability claim | Branch | — | SSS disability |
| Salary, calamity or emergency loan | My.SSS | — | My.SSS (member.sss.gov.ph) |
| MySSS Card | My.SSS, then the partner bank | — | UMID requirements |
| Report new employees | Central Business Portal or My.SSS, within 30 days | R-1A | My.SSS (member.sss.gov.ph) |
Sources: SSS member, benefit, loan and employer pages; Circular 2025-008. As of November 2026.
From SS number to your first claim
1Get an SS number online
The E-1 and a My.SSS activation link are issued together.
2Make it permanent
Submit a PSA birth certificate or a primary ID such as PhilSys.
3Pay with a PRN
Employers remit monthly; self-paying members pay by the deadline.
4Enrol a bank account
MySSS Card, UMID-ATM or a DAEM-enrolled account.
5File in My.SSS
Maternity, sickness, retirement and loans; disability at a branch.
SSS loans in 2026
| Loan | Amount | Interest | Term | Basis |
|---|---|---|---|---|
| Salary loan | 1 or 2 months' average salary credit; up to ₱20,000 / ₱40,000 | 8% a year, diminishing; 1% fee | 24 months | Circular 2025-004 |
| Calamity loan | Up to ₱20,000 | 7% a year; 1% fee | 24 months | Circular 2025-006 |
| Emergency loan | Up to ₱20,000 | 7% a year | 6-month moratorium + 24 months | Circular 2026-003 (SSS emergency loan page) |
| Pension loan | 3 to 12 times the monthly pension, up to ₱300,000 | 10% a year; 2% fee | 6 to 24 months | Circular 2025-007 |
| LoanLite | ₱1,000–₱20,000 via partner banks | 8% a year | 15 to 90 days | Circular 2026-005 (SSS LoanLite page) |
Sources: the SSS circulars named; SSS emergency loan and LoanLite pages (Circulars 2026-003 and 2026-005); SSS relief programs page (16 Apr 2026). Salary-loan renewals after penalty condonation pay 10%. Peso ceilings computed from the ₱20,000 regular salary credit. As of November 2026.
A salary loan needs 36 posted contributions (72 for two months), 6 of them in the last 12 months, and the member must be under 65. Apply in My.SSS; proceeds go to your enrolled account.
What changed at SSS in 2026
16 Apr 2026
Relief package: emergency loan at 7% with 18 contributions, and penalty condonation on past-due loans re-offered.
1 Jun 2026
Second 10% pension increase (5% for survivorship), moved up from September (Circular 2026-002).
Aug 2026
LoanLite micro-loans start rolling out through partner banks.
21 Oct 2026
SSS and DICT agree to show a digital MySSS Card in the eGovPH app; not live yet (GMA News, 5 Nov 2026).
1 Sep 2027
Third scheduled pension increase.
Common mistakes
| Mistake | What happens | Do this instead |
|---|---|---|
| Keeping a temporary SS number | Loans and benefits are refused | Convert it with a PSA birth certificate or ID |
| Applying for a second SS number | Contributions split across records | Verify the old one at a branch |
| Skipping months as a voluntary member | Late payments are not accepted | Pay by each deadline |
| No disbursement account | Claims cannot be paid | Enrol a MySSS Card or DAEM account first |
| Expecting benefits on a ₱35,000 credit | Lower pay-out than planned | Benefits use up to ₱20,000; the rest is MPF |
Forms and registration
Get your SS number and the E-1 personal record online.
Contributions
Your monthly contribution for any member type, with the 2026 table.
Benefits
Estimate your retirement pension and maternity benefit with SSS's own formulas.
IDs and records
UMID, the MySSS Card that replaced it, and the IDs SSS accepts.
Buod sa Tagalog
Pitong benepisyo ang ibinibigay ng SSS: sickness, maternity, disability, retirement, death, funeral at unemployment, pati salary, calamity at pension loan. Sa 2026, 15% ng monthly salary credit ang kontribusyon; 5% ang sa empleyado. Kailangan ng 120 kontribusyon para sa buwanang pensyon. Karamihan ng claim at loan ay sa My.SSS na ini-file, pero kailangan munang permanente ang SS number mo.
Frequently asked questions
+How much is the SSS contribution in 2026?
15% of the monthly salary credit, which runs from ₱5,000 to ₱35,000. An employee pays ₱250 to ₱1,750 a month and the employer ₱510 to ₱3,530, including EC. The schedule took effect in January 2025 (Circular 2024-006) and no 2026 circular changed it.
+Who is required to be an SSS member?
Private-sector employees, including kasambahay; self-employed people; and land-based OFWs, whose coverage is compulsory. Sea-based OFWs are covered through their manning agency. Non-working spouses of members can join voluntarily, and former employees can continue as voluntary members. Government employees belong to GSIS instead.
+How many contributions do I need for an SSS pension?
120 monthly contributions before the semester of retirement, plus age 60 if you have stopped working or age 65 whether working or not. With fewer than 120 you get a lump sum instead, or you can keep paying as a voluntary member until you reach 120 and then claim a monthly pension.
+How much is the SSS funeral benefit?
With at least 36 contributions it is ₱20,000 plus 0.5% of the number of paid contributions times your average salary credit, up to ₱60,000 (Circular 2023-009, from 20 October 2023). With 1 to 35 contributions it is a fixed ₱12,000. It goes to whoever paid for the funeral, starting with the spouse.
+How much can I borrow from the SSS salary loan?
A one-month loan equals the average of your last 12 regular salary credits, so up to ₱20,000; a two-month loan is double, up to ₱40,000. It needs 36 contributions (72 for two months), costs 8% a year on the diminishing balance plus a 1% fee, and is repaid over 24 months.
+Is there an SSS pension increase in 2026?
Yes. Under Circular 2026-002, retirement and disability pensions rose 10% and survivorship pensions 5%, effective 1 June 2026 for pensioners on the rolls by 31 May. Pensions that started from June to August 2026 get it from 1 September. The increase applies to the pension plus the ₱1,000 additional benefit.
+Can I get SSS loans and benefits with a temporary SS number?
No. A temporary SS number is good for paying contributions only. To claim benefits or borrow, convert it to permanent at a branch with a PSA birth certificate or a primary ID such as the PhilSys National ID, UMID, passport or driver's license, or with two secondary IDs.
Sources and references
- RA 11199 — Social Security Act of 2018 — benefits, contributions and penalties (checked November 12, 2026)
- SSS Circular 2024-006 — 2025 contribution schedule, ₱20,000 benefit cap, MPF (checked November 12, 2026)
- SSS contribution tables (all member types) — effective January 2025 (checked November 12, 2026)
- SSS benefit pages — retirement, plus maternity, sickness, unemployment, death, funeral and disability pages (checked November 12, 2026)
- RA 11210 — 105-Day Expanded Maternity Leave Law — 105, 120 and 60 days; 7 days to the father (checked November 12, 2026)
- SSS Circular 2025-004 — Salary Loan Program — 8% interest, 1% fee, 24 months (checked November 12, 2026)
- SSS Circular 2026-002 — Pension Reform Program — 2025–2027 pension increases (checked November 12, 2026)
- SSS expanded relief programs (April 2026) — emergency loan, LoanLite, condonation (checked November 12, 2026)
- SSS Emergency Loan Program (Circular 2026-003) — 7% a year, 6-month moratorium plus 24 monthly amortizations, 18 contributions (checked November 12, 2026)
- SSS LoanLite (Circular 2026-005) — ₱1,000–₱20,000, 15 to 90 days, through partner banks (checked November 12, 2026)
- SSS Circular 2023-009 — funeral benefit — ₱20,000 + 0.5% × contributions × AMSC, up to ₱60,000; ₱12,000 with 1–35 contributions (checked November 12, 2026)
- MySSS Card — ID and disbursement card replacing UMID (Circular 2025-008) (checked November 12, 2026)
- My.SSS member portal — official online services (checked November 12, 2026)
Back to the SSS, Pag-IBIG, PhilHealth and GSIS benefits hub for the combined contribution calculator and the other agencies.
Author and editorial review
Deepak Middha, Chartered Accountant
Chartered Accountant with 18 years in hedge funds; writes and maintains sulat.ph. Every rate, ceiling, deadline and fee on this page is taken from the law or the agency's own circulars and official announcements and was checked against that source on November 12, 2026. Where a figure could not be confirmed officially, the page says so.
Spotted an error or an outdated rule? Send a correction.
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