SSS Disability Pension For 2025 – Eligibility And Amount Details

Facing a permanent disability due to illness or injury can be incredibly overwhelming. It doesn’t just affect your health it can also take a major toll on your emotions and finances, especially if you’re unable to work. But here’s the good news: if you’re living in the Philippines, the Social Security System (SSS) offers a disability pension that can help support you financially during this difficult time. This benefit is designed to ease your burden and give you some peace of mind. Want to know how to apply and what you can get? Let’s walk through it together.

Our guide explains the process of applying for a SSS disability pension in simple terms, so that you may navigate it with ease if you are considering applying.

A SSS disability benefit provides financial assistance to members who have been unable to work due to a total or partial disability. The benefit can either be paid as a monthly pension or as a lump-sum payment depending on the number of SSS contributions made.

Types of SSS Disability Benefits

• Monthly Disability Pension: This pension is available to members who have contributed for at least 36 months preceding to becoming disabled.
• Lump Sum Payment: This payment is provided to members who have contributed less than 36 months of service or whose disability period is less than one year long.

Disability Pensioners’ Additional Benefits

Additional benefits may be available to you if you qualify for a monthly pension, including:

• A monthly supplemental allowance of PHP 500 is provided
• Additional benefit of PHP 1,150 (granted by Executive Order 54 as of January 2017)
• Pension every December for the 13th month
• Hospitalization benefits under PhilHealth( depends on contributions and when you became disabled).

If you are eligible for SSS benefits, you must have paid at least one contribution before becoming permanently disabled. There are two types of disabilities: partial and total:

Partial Disabilities

The condition results in a permanent loss of a body part, but it does not completely prevent a person from working. The Social Security Administration covers the following losses:

• There is one finger, hand, arm, foot, or leg
• The hearing of both ears or the hearing of only one ear
• The sight of one eye

Total Disabilities

The following conditions make working impossible and may qualify you for a monthly pension for the rest of your life:

• Both eyes are completely blind
• Two limbs have been lost (hands, arms, feet, or legs).
• Paralysis of two limbs permanently
• An incurable mental disability caused by a brain injury
• SSS deems other severe cases eligible

Note: If you recover, resume employment, or fail to complete an annual physical examination as required by SSS, your pension will stop.

The amount of your pension depends on the number of years you have credited for service and your contributions:

An example of how 10 years of service are credited:

• Disability pension: PHP 1,200
• Supplementary allowance: PHP 500
• Additional disability benefit: PHP 1,150
• Total monthly benefit: PHP 2,850

Disability Benefit Calculation for Lump Sums

The lump sum benefit is calculated using the higher amount from these formulas for totally disabled members:

• SSS contributions x Number of monthly pensions
• Pension per month x 12
• Partially disabled members receive benefits according to their disability percentage:
• The monthly pension x the number of contributions x the percentage of disability
• Disability percentage x 12 monthly pension

Example: If an SSS member with 10 credited years of service, a 40% disability rating, and 30 paid contributions applies for a lump sum:

PHP 30 x 1,200 x 0.40 = PHP 14,400

PHP 12 x 1,200 x 0.40 = PHP 5,760

Since PHP 14,400 is higher, that will be the lump sum payment.

The Social Security System pays the disability benefit through 25 accredited banks in the Philippines, including:

• LANDBANK
• PNB
• China Bank
• RCBC
• Security Bank
• Union Bank

It is possible to receive your pension from any of these banks if you have a bank account with one of them. Otherwise, you will need to open an account and submit a Letter of Introduction (LOI) issued by the Social Security Administration.

Requirements

The following documents need to be submitted to your nearest SSS branch:

• Disability Claim Application Form completed
• Medical Certificate Form (signed by a doctor) for SSS
• Photo and signature card for members

Valid ID(s):

• A primary ID (SSS ID, UMID, passport, PRC card, or Seaman’s Book) OR
• A secondary ID (driver’s license, company ID, TIN card, etc.).
• Please provide all medical documentation (lab results, X-rays, hospital discharge summary, etc.)
• Please provide bank details (a copy of your ATM card, your passbook, or a validated initial deposit slip).

Application Process

• A SSS supervising physician will review your claim and may request extra medical records to support the claim, or may even request a physical examination during the review process.
• A representative can file your claim on your behalf if you are unable to submit your claim in person.
• It takes one to two months for the processing to be completed. Once your application has been approved, you will receive a notification regarding your pension amount and withdrawal schedule.

In 2025, the SSS introduced significant updates to its pension program to enhance the financial well-being of its members:

• Pension Increase: Beneficiaries experienced a 14.5% to 15% increase in their monthly pensions, translating to an additional ₱1,000 to ₱2,000 per month.
• Contribution Rate Adjustment: The contribution rate was increased to 15% of the monthly salary credit to ensure the program’s sustainability and provide better benefits to members.

The SSS Disability Pension program supports Filipino workers with permanent disabilities. By understanding the eligibility criteria, benefits, and application process, members can effectively navigate the system and secure the financial assistance they deserve. Staying informed about recent updates ensures that beneficiaries can maximize support available, maintaining financial stability during challenging times.