A sudden illness or accident can stop someone from working, especially if it causes a permanent disability. This can make it hard to pay for daily needs, health care, and other living costs. Many people lose their income and struggle to survive.
To help those in this situation, the Social Security System (SSS) in the Philippines gives a special benefit called the SSS Disability Pension. This program provides cash help to members who become partly or fully disabled. The money can come as a monthly pension or a one-time lump sum, depending on how long the member paid SSS contributions.
This guide explains everything about the SSS Disability Pension 2025. You’ll learn what types of benefits are available, who can apply, how much you can receive, and how to send your application. If you or a loved one has a disability, this can be a useful way to get financial help and live with more comfort.
What is the SSS Disability Pension?
The SSS Disability Pension is financial support for people who become permanently disabled and cannot work. It is different from short-term sickness benefits. This pension is for long-lasting or lifelong disabilities. Depending on the number of contributions made to SSS, the benefit can be paid monthly or as a one-time payment.
Two Kinds of Disability Support
1. Monthly Pension for Long-Term Contributors
Members who paid at least 36 monthly contributions before their disability happened may receive a monthly pension. This gives them regular income for as long as their disability continues.
2. Lump Sum Payment for Short-Term Contributors
Members who contributed for less than 36 months can get a lump sum. This is a one-time payment based on how many contributions they made and how serious their disability is.
Who Can Get the Disability Pension?
To qualify, the applicant must meet the following rules:
- Must be an SSS member before becoming disabled.
- Must have at least one SSS contribution before the disability happened.
- Must have a doctor-certified disability that is permanent, either partial or total.
Examples of Partial Disability:
- Loss of a finger, hand, leg, or foot
- Blind in one eye
- Deaf in one or both ears
Examples of Total Disability:
- Totally blind in both eyes
- Loss of two or more limbs
- Permanent paralysis of two or more limbs
- Brain damage that causes permanent mental disability
Extra Benefits for Monthly Pensioners:
- PHP 500 monthly medical allowance
- PHP 1,150 additional benefit (since 2017, under Executive Order 54)
- 13th-Month Pension every December
- PhilHealth benefits (based on contribution history)
Lump Sum Benefit Calculation
For fully disabled members, the lump sum is based on the higher of:
- Monthly pension × number of contributions
- Monthly pension × 12 months
For partially disabled members:
- Monthly pension × number of contributions × disability percentage
- Monthly pension × 12 × disability percentage
Steps to Apply for Disability Support
Documents Needed:
- Filled out Disability Claim Application Form
- Signed SSS Medical Certificate Form (by SSS-accredited doctor)
- Valid ID (1 primary or 2 secondary)
- Medical records (e.g., lab tests, X-rays, hospital notes)
- Bank documents (ATM copy, deposit slip, or passbook)
How to Submit:
- Go to the nearest SSS office with your documents.
- Have a medical check-up with an SSS-accredited doctor.
- Wait for 1–2 months for processing.
- SSS will contact you with the result.
How Will You Get the Money?
SSS pays the pension through direct bank deposit. Accredited banks include:
- LANDBANK
- Philippine National Bank (PNB)
- China Bank
- RCBC
- Security Bank
- Union Bank
If you don’t have a bank account, SSS will give you a Letter of Introduction (LOI) to help you open one.
Rules to Remember for Pensioners
- You must take a yearly medical check-up to stay eligible.
- Pension stops if you recover, go back to work, or don’t meet SSS rules.
- If the pensioner passes away, their family or dependents may get survivor benefits.
Contact for Help
If you have questions, contact the SSS Member Relations Office:
- Hotline: 920-6446 to 55 or 917-7777
- Email: member_relations@sss.gov.ph