SSS Introduction
The Social Security System (SSS) is a social insurance program in the Philippines that provides benefits to employees, self-employed individuals, and voluntary members. SSS protects members and their families against income loss due to disability, sickness, maternity, old age, death, and other contingencies.
What is SSS?
- SSS stands for Social Security System
- Government-run social insurance program
- Mandatory for employees and employers
- Voluntary for self-employed and OFWs
- Provides protection through social security benefits
- Funded through monthly contributions from members
SSS Services Overview
Pay Contributions
Pay your monthly SSS contributions online or through payment partners. Regular payments ensure continuous coverage and higher benefits.
Learn More →Apply for Benefits
Apply for sickness, maternity, retirement, disability, unemployment, and other SSS benefits online or at any branch.
Learn More →Member Registration
Register as SSS member to get your SSS number and start building your social security coverage and benefits.
Learn More →SSS Loans
Apply for salary loan or calamity loan to help with financial needs. Available to qualified members with updated contributions.
Learn More →SSS Benefits
SSS provides comprehensive protection through various benefits:
📅 Sickness Benefit
Daily cash allowance for members confined for illness or injury
👶 Maternity Benefit
Cash benefit for qualified female members for childbirth or miscarriage
♿ Disability Benefit
Monthly pension or lump sum for members who become permanently disabled
👴 Retirement Benefit
Monthly pension or lump sum upon retirement at age 60 or above
💀 Death Benefit
Monthly pension or lump sum for beneficiaries of deceased members
💼 Unemployment Benefit
Cash assistance for involuntarily unemployed members (up to 2 months)
How SSS Works
Step 1: Register as SSS Member - Get your SSS number - Required for employees (mandatory) - Optional for self-employed, OFWs, voluntary membersStep 2: Pay Monthly Contributions - Employee: Employer deducts from salary - Self-employed: Pay directly to SSS - Contribution based on monthly salary credit (MSC) - Minimum: ₱1,000 MSC = ₱135/month contribution - Maximum: ₱30,000 MSC = ₱4,050/month contributionStep 3: Build Your Coverage - Continue paying to qualify for benefits - More contributions = higher benefits - At least 36 months for retirement pension - At least 3 months for sickness/maternityStep 4: Apply for Benefits When Needed - Sickness: Apply when confined 4+ days - Maternity: Apply before/after childbirth - Retirement: Apply at age 60+ - Loans: Apply when eligibleStep 5: Receive Benefits - Direct deposit to enrolled bank account - Or check pickup at SSS branch - Processing time: 10-30 daysWho Must Register?
| Category | Coverage | Status |
|---|---|---|
| Employees | All private sector employees under 60 | Mandatory |
| Self-Employed | Professionals, business owners, farmers, fishermen | Voluntary* |
| OFWs | Overseas Filipino Workers | Voluntary* |
| Voluntary Members | Housewives, non-working individuals | Voluntary |
* Highly recommended for social security protection
SSS Contact Information
SSS Hotline
Phone: (02) 8920-6446 to 55
Toll-free: 1-800-10-2255-777
Email: members_relations@sss.gov.ph
Online Services
Website: www.sss.gov.ph
My.SSS Portal: my.sss.gov.ph
Facebook: @SSSPh
Contribution Schedule 2026
Monthly Contribution Rates
| MSC Range | Total Contribution | Employee Share | Employer Share |
|---|---|---|---|
| ₱1,000 - ₱4,999 | ₱135 - ₱675 | 4.5% | 9% |
| ₱5,000 - ₱14,999 | ₱675 - ₱2,025 | 4.5% | 9% |
| ₱15,000 - ₱30,000 | ₱2,025 - ₱4,050 | 4.5% | 9% |
Total contribution rate: 13.5% (4.5% from employee + 9% from employer)
Disclaimer
This guide is provided for general informational purposes only. The requirements, steps, fees, and procedures mentioned here may vary depending on the SSS branch or office you visit. We recommend visiting your nearest SSS branch or office first to confirm the specific requirements and process before preparing your documents.