SSS Benefits Finder

SSS Benefits 2026: Find the Right Benefit

Choose what happened and this tool will point you to the SSS benefit and calculator that best matches your situation.

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Choose the situation closest to yours.

Best match

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First thing to check

Also check Employees' Compensation (EC). Because you selected a work-related contingency, EC may provide a separate benefit in addition to the Regular SSS benefit, subject to EC coverage and causation rules.
Open official EC guide
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The calculator checks more detailed contribution, timing and amount rules for that benefit.

The 7 main SSS benefits

SSS currently lists seven core benefits: Sickness, Maternity, Disability, Retirement, Death, Funeral and Unemployment.

SSS Sickness Benefit Daily cash allowance for qualified members temporarily unable to work because of sickness or injury. SSS Maternity Benefit Cash benefit for qualified female members for childbirth, miscarriage or emergency termination of pregnancy. SSS Disability Benefit Monthly pension or lump sum for qualifying permanent partial or permanent total disability. SSS Retirement Benefit Monthly pension or lump sum for members who meet retirement-age and contribution rules. SSS Death Benefit Monthly survivorship pension or lump sum for qualified beneficiaries of a deceased member. SSS Funeral Benefit Cash benefit to help reimburse funeral expenses paid for a deceased member or pensioner. SSS Unemployment Benefit Cash benefit for qualified covered employees who are involuntarily separated from employment.

Quick eligibility comparison

Benefit First rule to check
Sickness At least 4 days unable to work + required qualifying contributions
Maternity At least 3 contributions in the correct qualifying period
Disability Permanent disability + at least 1 applicable contribution
Retirement Retirement age; 120 contributions for monthly pension
Death Beneficiary priority; 36 contributions for primary-beneficiary monthly pension
Funeral You paid funeral expenses; at least 1 contribution for standard SS funeral benefit
Unemployment Involuntary separation + contribution and age requirements

These are only first-screening rules. Each benefit has additional filing, timing and documentary requirements.

Benefits vs SSS loans

SSS Salary Loan and Calamity Loan are useful member privileges, but they are loans that must be repaid. They are not the same as the seven core SSS cash benefits above.

SSS Salary Loan Calculator Estimate loanable amount and repayment. SSS Calamity Loan Calculator Check possible eligibility and loan amount during an active calamity program.

Contribution tools

SSS Contribution Calculator Check MSC, member share, employer share and Mandatory Pension Booster / MPF. SSS + PhilHealth + Pag-IBIG (HDMF) Calculator Estimate standard employee government deductions from salary.

What if the illness, injury or death is work-related?

The Employees' Compensation Program is separate from the Regular SSS benefit program. It can cover qualified work-related sickness, injury, disability or death, including separate EC income, medical, rehabilitation, death and funeral benefits.

Check Official Employees' Compensation Program

Frequently asked questions

SSS currently lists Sickness, Maternity, Disability, Retirement, Death, Funeral and Unemployment as its core benefits.

Possibly, because each benefit covers a different contingency. However, specific overlap limitations can apply. Use the calculator for each relevant benefit rather than assuming that one approval automatically means another benefit is payable.

Salary Loan and Calamity Loan are loan privileges and must be repaid. This page keeps them separate from the seven core SSS benefits to avoid confusion.

No. Every SSS benefit has its own contribution, timing, employment, medical, age, beneficiary or filing requirements.

Independent benefits finder

This page helps you identify the most relevant SSS benefit and calculator. It does not access My.SSS records or determine final eligibility, posted contributions or claim approval.

Official reference

Official SSS Benefits Page

Benefit list reviewed August 24, 2026.

Looking for additional payment flexibility?

Explore an optional UnionBank credit-card offer for planned or unexpected expenses. Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

View UnionBank Offer
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