Losing the ability to work due to a disability can be very difficult, especially when it affects how you earn a living. In the Philippines, the Social Security System (SSS) offers help through a disability benefit program. This monthly pension helps members who are permanently or partially disabled manage their daily needs and medical costs.
For the year 2025, qualified members may receive a monthly pension of up to ₱4,800. This pension is either given as monthly payments or a lump sum, depending on how many contributions the member has made to SSS. The goal of the program is to provide financial stability when members are no longer able to earn income due to health issues.
It is very important to know who can apply, what documents are needed, and how to complete the process correctly. This guide explains everything in easy steps so that members can apply without confusion. It also covers additional benefits like a 13th-month bonus and help for dependent children.
Overview of the SSS Disability Pension
The SSS Disability Pension gives financial support to members who are unable to work due to a permanent or partial disability. Depending on the number of contributions made to SSS, members may receive:
- A monthly pension (for those with 36 or more contributions), or
- A one-time lump sum payment (for those with fewer than 36 contributions).
Why This Pension Is Important
- Helps cover regular medical and daily expenses.
- Provides support for disabled individuals who can no longer earn money.
- Gives peace of mind and security for pensioners and their families.
Who Can Apply for the ₱4,800 SSS Benefit?
To qualify for the disability pension, you must meet the following:
- You must be an SSS member with active or past contributions.
- You must have at least 1 monthly contribution before the semester of disability.
- A licensed SSS-accredited doctor must confirm your disability.
- The condition must be a permanent partial or permanent total disability.
- The SSS Medical Team must approve your application after review.
How Much Money Can You Get?
The amount of your pension depends on:
- How many years you paid SSS contributions.
- Your average salary credit.
- The type and severity of your disability.
If your computation reaches ₱4,800, that will be your monthly pension.
Steps to Apply for the SSS Disability Benefit
Step 1: Prepare the Documents
Get the following ready:
- SSS Disability Claim Application (DisCA)
- Medical Certificate signed by an accredited doctor
- Hospital records or test results
- Valid government ID
- Claimant’s photo and signature form
Step 2: Submit Your Application
- Go to the nearest SSS branch to apply.
- If you are bedridden, in the hospital, or living abroad, a representative can submit your papers for you.
Step 3: Set Up Your Payment Method
You must register your account in the Disbursement Account Enrollment Module (DAEM). You can receive payments through:
- ATM-linked UMID card
- PESONet bank accounts
- E-wallets (GCash, PayMaya)
- Remittance services (like M Lhuillier)
Step 4: Wait for Approval
- It usually takes 5 to 7 working days for SSS to process your application.
- You will get an SMS or email once your claim is approved.
Lump Sum Payment: For Those With Less Than 36 Contributions
If you don’t have 36 contributions, you will get a lump sum instead of a monthly pension.
How Is It Calculated?
- For total disability: You will receive either:
- Monthly pension × total contributions, or
- 12 months’ worth of pension — whichever is higher.
- For partial disability:
- Calculation is based on your level of disability and how many contributions you’ve made.
Example:
- 20% disability
- Monthly pension = ₱1,000
- Contributions = 24 months
Lump Sum = ₱1,000 × 24 × 20% = ₱4,800
Other Support You Can Receive
In addition to the monthly or lump sum payment, SSS also offers these extra benefits:
- ₱500 Supplementary Allowance – for additional daily needs.
- 13th Month Pension – given every December to regular pensioners.
- Dependents’ Pension – ₱250 or 10% of your pension (whichever is higher) for each dependent child.