SSS Introduction

Choose your path

What is SSS?

• Social Security System — the government social-insurance program under RA 11199 (Social Security Act of 2018). Covers sickness, maternity, disability, retirement, death & funeral, and unemployment benefits.
• Funded by monthly contributions at the final 15% of Monthly Salary Credit (MSC) rate (RA 11199, fully phased in 2025).
• Qualifying thresholds matter: 120 monthly contributions to qualify for a monthly retirement pension at age 60+ (fewer = lump sum instead). Sickness and maternity require at least 3 contributions within the 12 months before the semester of contingency.

Member categories at a glance

• Employees (private sector) — mandatory. Contribution is 15% of MSC split 5% employee + 10% employer. Coverage starts at hire and continues past 60 if you keep working.
• Self-employed, OFWs, and voluntary members (freelancers, business owners, professionals, housewives, non-working spouses) — voluntary but highly recommended. Pays the full 15% of declared MSC.
• WISP — for members with an MSC above ₱20,000, the contribution share covering the MSC above ₱20,000 is routed to the Workers' Investment and Savings Program, a mandatory provident fund that earns investment returns separately from the regular benefits pool.

See the full SSS contribution schedule →

Benefits

Direct routes for time-sensitive benefit claims.

• Sickness Benefit — daily cash allowance for confined members
• Maternity Benefit — for childbirth or miscarriage
• Disability Benefit — monthly pension or lump sum
• Retirement Benefit — at age 60+ (120 months = pension, fewer = lump sum)
• Death & Funeral Benefit — for beneficiaries of a deceased member
• Unemployment Benefit — for involuntarily unemployed members (up to 2 months)

Special Services

SSS transactions outside the register-pay-claim standard flow.

• Get SS Number — look up or recover your number
• UMID Card — Unified Multi-Purpose ID for SSS/GSIS/PhilHealth/Pag-IBIG
• Change Information — update name, civil status, beneficiaries
• Salary Loan — short-term loan against your contributions
• Calamity Loan — for members in declared-calamity areas

SSS Services: Which Guide Do You Need?

PinoyGovGuide's SSS membership, contributions, and benefits guides — each links to a full walkthrough with requirements, fees, and steps:

• SSS registration — register as a new SSS member.
• SSS number — get or recover your SSS number.
• SSS contributions — pay your monthly SSS contributions.
• SSS change of member information — update your SSS member record.
• SSS UMID card — apply for your UMID card.
• SSS voluntary membership — continue paying as a voluntary member.
• SSS salary loan — apply for an SSS salary loan.
• SSS calamity loan — apply during a declared calamity.
• SSS benefits — overview of all SSS benefits.
• SSS sickness benefit — file a sickness benefit claim.
• SSS maternity benefit — file a maternity benefit claim.
• SSS disability benefit — apply for a disability benefit.
• SSS retirement benefit — apply for retirement benefit.
• SSS death and funeral benefit — claim death and funeral benefits.