In 2025, the SSS contribution rate increased from 14% to
15% of the Monthly Salary Credit (MSC). This change applies to all
SSS members including Employed, Self-Employed, Voluntary, Kasambahay, and OFWs.
Another major update is the adjustment of the lowest bracket. In 2024, the minimum MSC
started at ₱4,250. For 2025, the minimum MSC increased to
₱5,250. This means higher total contributions, but also higher
potential SSS benefits such as maternity, disability, sickness, and retirement.
The increase from 14% to 15% supports the SSS Pension Reform Act (RA 11199).
Higher contributions help sustain the SSS fund and provide
better pension and benefit payouts to members in the future.
The minimum Monthly Salary Credit (MSC) for 2025 is ₱5,250.
Monthly contributions depend on membership type. Check your exact amount here:
SSS Contribution Calculator 2025 →
Voluntary members can choose their MSC based on income or preference.
Use the calculator to compute your exact contribution:
Calculate Now →
Yes. Higher contributions mean higher maternity benefits,
especially if your MSC is above ₱20,000. You can estimate here:
SSS Maternity Calculator →
The employer pays EC exclusively, up to ₱30 (up to ₱20,000 MSC).
Voluntary and OFWs do not pay EC.
Hospital delivery in the Philippines can easily cost ₱60,000 - ₱200,000 depending on the hospital and type of delivery.
Many parents use a credit card to manage these expenses while waiting for their SSS maternity benefits.
