SSS Disability Benefit Tool
SSS Disability Benefit Calculator 2026
Check whether your case may fall under Permanent Partial or Permanent Total Disability, see whether SSS may pay a monthly pension or lump sum, and estimate the Regular SSS benefit.
This is an estimate and screening tool. SSS Medical Specialists determine the final disability classification, degree of disability, compensability period, required records, and approved benefit.
Disability details
Select the closest disability type and when the permanent disability occurred.
Contribution check
Disability benefit may start with only one valid contribution, but 36 contributions are important because they determine whether a monthly pension may be available.
Optional pension estimate
Enter AMSC and Credited Years of Service if you know them. Leave them blank if you only want the eligibility and filing result.
AMSC is not simply your current salary. CYS also has a specific statutory definition. If you are unsure, leave these fields blank and let SSS compute the official amount.
Your result
SSS disability benefit check
Estimated Regular SSS benefit
This is the statutory base pension duration for the selected scheduled PPD condition.
SSS disability benefit at a glance
SSS disability benefit is a cash benefit for a member who becomes permanently disabled, either partially or totally. Depending on contribution history and the SSS medical assessment, the benefit may be paid as a monthly pension or as a lump sum.
Minimum contribution
At least one monthly contribution paid before the applicable disability period may satisfy the minimum contribution condition.
36-contribution threshold
At least 36 monthly contributions are required for a monthly disability pension. Fewer than 36 generally means lump sum.
Filing deadline
Initial claims must generally be filed within 10 years from occurrence of the disability. Current SSS guidelines allow qualified members to file online through My.SSS or over the counter.
Medical evaluation
SSS can require additional medical records and determines the final degree/classification.
Permanent Partial Disability vs Permanent Total Disability
Permanent Partial Disability (PPD)
A complete and permanent loss or loss of use of a specified body part or function. SSS has a statutory schedule assigning compensability months to many common PPD cases.
Permanent Total Disability (PTD)
Includes complete loss of sight of both eyes, loss of two limbs at or above the ankles or wrists, permanent complete paralysis of two limbs, qualifying severe brain injury, and other cases determined and approved by SSS.
A medical diagnosis alone does not automatically determine PPD or PTD. SSS evaluates the functional loss, permanence, medical evidence, and applicable disability rules.
SSS Permanent Partial Disability schedule
The Social Security Act assigns the following maximum compensability periods for complete and permanent loss or loss of use.
| Loss / loss of use | Months |
|---|---|
| One thumb | 10 |
| One index finger | 8 |
| One middle finger | 6 |
| One ring finger | 5 |
| One little finger | 3 |
| One big toe | 6 |
| One hand | 39 |
| One arm | 50 |
| One foot | 31 |
| One leg | 46 |
| One ear | 10 |
| Both ears | 20 |
| Hearing of one ear | 10 |
| Hearing of both ears | 50 |
| Sight of one eye | 25 |
The statutory degree of disability for these scheduled PPD cases is the scheduled number of months divided by 75, rounded up to the next whole percentage. SSS rules also govern how related or unrelated multiple disabilities are combined.
Surgical removal of female reproductive organ(s)
The newer 2025 consolidated SSS disability guidelines state that a qualified female member who underwent surgical removal of reproductive organ(s) due to a medical condition may file a disability benefit claim at any age, provided she is not yet entitled to compulsory retirement benefit.
SSS medical evaluation still determines the disability award. Because the statutory body-part schedule does not provide one universal automatic compensability-month value for these cases, this calculator does not invent an amount.
How the SSS disability pension is estimated
For members who meet the pension threshold, the Regular SSS base monthly pension is the highest applicable result of the statutory pension formulas:
- ₱300 + (20% × AMSC) + [2% × AMSC × (CYS − 10)], when CYS is above 10; or
- 40% × AMSC; or
- Minimum disability pension: ₱1,000 if below 10 CYS, ₱1,200 with at least 10 CYS, or ₱2,400 with at least 20 CYS.
What is AMSC?
Average Monthly Salary Credit (AMSC) is generally the higher of the average of the last 60 MSCs immediately before the applicable semester, or the average of all MSCs paid before that semester. For disability, the injury or sickness that caused the disability is treated as the permanent disability for purposes of computing AMSC.
What is CYS?
Credited Years of Service has a statutory calculation that depends on the member's coverage period and contribution history. Do not simply substitute your age or years since getting an SSS number. Use your official SSS records when accuracy matters.
How disability lump sum is computed
Permanent Total Disability with fewer than 36 contributions
The lump sum is the higher of:
- Monthly pension × number of monthly contributions paid; or
- Monthly pension × 12.
Permanent Partial Disability with fewer than 36 contributions
The lump-sum basis is adjusted by the SSS-determined percentage degree of disability. For statutory scheduled body-part cases, the calculator derives the statutory degree from the designated compensability months.
Other benefits for disability pensioners
Additional and supplemental disability allowances
The current SSS disability page states that a disability pensioner receives a ₱1,000 additional benefit plus a ₱500 supplemental disability allowance. The calculator above shows the Regular SSS base pension separately rather than silently adding allowances that SSS must finally adjudicate.
13th month pension
PTD pensioners are entitled to a 13th month pension every December. A PPD pensioner may receive the 13th month pension when the approved pension duration is at least 12 months.
Dependent children's pension for PTD
Qualified dependent legitimate, legitimated, legally adopted and illegitimate children conceived on or before the PTD contingency may each receive 10% of the member's monthly pension or ₱250, whichever is higher.
- Maximum of five children, beginning with the youngest, with no substitution.
- If legitimate and illegitimate minor children both exist, legitimate, legitimated or legally adopted children are preferred under the SSS rule.
- Dependent pension generally stops at age 21, marriage, employment or death.
- It may continue for life for a child over 21 who is incapable of self-support because of a qualifying physical or mental disability that was congenital or acquired during minority.
- Children of a PPD pensioner are not entitled to this dependent pension.
MySSS Pension Booster / MPF
Members with applicable mandatory provident-fund balances may also have a separate Pension Booster benefit for permanent total disability. It is based on the member's accumulated account value and is separate from the Regular SSS amount estimated here.
Basic SSS disability claim requirements
The SSS Medical Specialist may request additional records needed to evaluate the claim.
Medical records and timing for common disability cases
Current SSS waiting periods before filing
Fracture: SSS lists filing at about four months from injury/operation for evaluation.
Records may include consultation records, hospital abstract/discharge summary, operation record if operated, and X-ray of the affected part. Amputation cases generally require hospital/operation records.
SSS lists different timing depending on PTB severity, including about two years after onset for minimal PTB and six months after onset for moderate PTB.
Chest X-rays and official results are commonly required. COPD cases may require a pulmonary function test taken within the last six months and/or a recent chest X-ray.
The SSS page lists about two years after onset for mental illness and diabetes cases.
Mental illness may require a recent complete psychiatric evaluation and hospital records if confined. Diabetes may require recent and serial FBS results covering the last two years and ECG results when applicable.
Organ-removal and cancer cases may require hospital abstracts, operation records, histopathology and imaging where applicable.
Kidney-disease claims may require hospital/laboratory records and dialysis-treatment certification when applicable.
Hearing-loss claims generally require an audiogram taken within the last six months.
Cataract-operation cases are listed for filing about four months after operation and may require the operation record plus recent visual acuity from an ophthalmologist.
How to file SSS disability benefit
Under the 2025 consolidated guidelines, a disability benefit claim and its documentary requirements may be filed either online through the member's My.SSS portal or over the counter at an SSS Medical Evaluation Center / branch, subject to the applicable filing route.
Online filing through My.SSS
For online filing, the member must be registered in My.SSS and must have an SSS Pay Card or an eligible disbursement account enrolled through DAEM.
- Submit the disability claim through My.SSS.
- The system validates the member record and eligibility.
- Upload the required medical certificate and any other documents required by SSS.
- Watch the registered email and My.SSS notifications for Physical Examination and Interview (PEI), if required.
- After medical evaluation and approval, SSS credits the benefit to the qualified disbursement account.
20-day PEI rule: If SSS requires the member to report for a Physical Examination and Interview, the member must comply within 20 days from the email notification. Failure to comply results in rejection of the transaction.
Claims rejected because of incomplete documents or because SSS requires additional documentary requirements may be refiled online as a new transaction.
Open My.SSSCases that still require OTC filing
The consolidated guideline lists exceptions to online filing that must be filed at an SSS Medical Evaluation Center / branch, including:
- Member is incapacitated, under guardianship, or confined in specified institutions.
- Portability Law or Bilateral Social Security Agreement cases.
- Adjustment or re-adjudication of a claim.
- Unclaimed disability benefit of a deceased member.
- Other cases that SSS determines must be handled over the counter.
10-year filing period
An initial disability benefit claim must generally be filed within 10 years from the date the disability occurred.
Requests for adjustment or re-adjudication of previously settled claims generally have a separate one-year period from initial settlement, with exceptions for specified situations such as unposted contributions, additional CYS, certain dependent-data errors, incorrect contingency date, representative-payee changes, and other cases determined by SSS.
Disability claim rules for members age 60 to 65+
- A member age 60 to 64 with at least 120 monthly contributions who has not yet filed for retirement may still file a PPD or PTD disability claim.
- Upon reaching age 65, only a PTD claim may be filed if the disability occurred before the member's 65th birthday.
- If the disability occurred at age 65 or later, the consolidated guideline directs the member to compulsory retirement benefit instead.
Can Sickness and Disability claims be filed at the same time?
They may be filed simultaneously when the contingencies are not related and the member meets the qualifying conditions for both. If the sickness and disability are related, the member should first file either the Sickness or Disability claim and, after settlement, proceed with the other claim.
Pre-existing disability before SSS coverage
A pre-existing disability is a permanent medical condition that existed before the effectivity of the member's SSS coverage.
Already permanently disabled before SSS coverage
A member who was already permanently disabled, partially or totally, before SSS coverage is generally not entitled to disability benefit on account of that same pre-existing disability.
Condition started before coverage but later progressed
A qualified member may still be entitled when the condition initially started before SSS coverage but its progression/deterioration and permanency occurred during the period of coverage.
How SSS handles multiple disabilities
SSS does not simply add every previous disability percentage together. The treatment depends on whether the disabilities are related or unrelated.
Related / progressing disabilities
The percentage degree may be additive for progressing or deteriorating related PPD cases, up to a maximum of 100%. At 100%, the member is deemed permanently totally disabled. For a related PPD-to-PPD claim, the degree already granted is deducted from the current related disability degree to determine the new payable portion.
Separate / unrelated disabilities
Degrees of distinct, separate and unrelated permanent partial disabilities are not additive. The previously granted disability degree is not deducted from the current unrelated claim, and the new claim is computed under the applicable pension formula.
If a related disability progresses from PPD to PTD, the amount previously granted for the PPD is not deducted from the current related PTD claim under the consolidated guideline.
Deemed-paid contributions while receiving PPD pension
For adjudication of future retirement, death and PTD benefits, SSS treats contributions as deemed paid for the months during which a qualified member received PPD pension.
- The deemed-paid contributions are posted only after full settlement of the PPD pension benefit.
- They are based on the member's monthly contribution immediately before the PPD contingency date.
- For a later PTD claim, qualifying deemed-paid contributions can also enter the pension computation when applicable.
- If regular contributions and deemed-paid contributions cover the same period, SSS uses the MSC of the regular contribution; the two are not combined to artificially increase MSC.
What happens if a disability pensioner dies?
Under the newer consolidated guideline, the primary beneficiaries of a deceased disability pensioner are handled under the existing SSS death-benefit rules.
Permanent Total Disability pensioner
Primary beneficiaries may continue receiving the monthly pension subject to SSS death-benefit rules. The public SSS disability guide also provides that when a PTD pensioner has no primary beneficiaries and dies within the first 60 months of pension, secondary beneficiaries may receive the balance of the five-year guaranteed pension period as a lump sum, subject to the applicable SSS rules.
Permanent Partial Disability pensioner
The PPD pension ceases once the SSS-approved disability period has been consumed or upon retirement or death, as applicable. Any separate death-benefit entitlement is adjudicated under the death-benefit rules.
How SSS disability benefit is paid
SSS pays disability benefits through the qualified payee's enrolled disbursement channel. UMID-ATM may be used when applicable; otherwise SSS uses approved PESONet bank accounts, e-wallets, or accredited remittance/cash-payout channels.
Employment, recovery and disability pension
PPD pensioner
Under the 2025 consolidated guideline, a PPD pensioner who continues or resumes employment, self-employment, overseas employment or other gainful occupation, or who recovers from the disability, continues to receive the approved monthly PPD pension for its approved period.
PTD pensioner
A PTD pension is generally suspended from the date the member resumes employment, self-employment or overseas employment, or recovers from PTD. Membership and contribution records are reinstated for continuing coverage and future benefits, subject to qualifying conditions.
ACOP / required examination
PTD pension remains subject to current ACOP and examination requirements. Non-compliance can suspend pension payments until the applicable SSS compliance rules are satisfied.
The consolidated guideline contains a specific exception for a PTD pensioner employed in a Philippine government instrumentality/agency who has not recovered from the disability: the pensioner continues to receive the monthly pension.
SSS Sickness Benefit vs Disability Benefit
Sickness Benefit
For a qualified member who is temporarily unable to work because of sickness or injury and meets the sickness-benefit rules.
Disability Benefit
For permanent partial or permanent total disability as medically evaluated and approved by SSS.
SSS states that prolonged sickness involving the same illness can eventually become a disability case when the applicable disability requirements are met.
What if the disability is work-related?
If the sickness or injury that caused the disability is work-related, check the Employees' Compensation (EC) Program as well. EC is a separate program with its own coverage, causation and documentary requirements.
Official Employees' Compensation GuideFrequently asked questions
Important limitation
This calculator estimates only the Regular SSS benefit using information you enter. It does not diagnose disability, replace medical evaluation, determine an official degree of disability, or include every possible supplemental/MPF benefit. SSS makes the final determination.