Benefits of SSS (Social Security System)

Under the Republic Act No 8282 – Social Security Law, SSS, also known as Social Security System, is a policy of the state to establish, develop and promote sound and viable tax-exempt social security system suitable to the needs of the people throughout the Philippines which shall promote social justice and provide meaningful protection to members and their beneficiaries against the hazards of disability, sickness, maternity, old age, death and other contingencies resulting in loss of income and financial burden. Towards the end, the State shall endeavor to extend social security protection to workers and their beneficiaries.

In simple terms, SSS is like an insurance program mandated by the government to all income earners or workers in the Philippines. All income earning SSS members are required to contribute monthly into the fund, the amount depends will depend on their salary bracket. In exchange for the said monthly contributions, members will enjoy insurance benefits such as sickness, maternity, disability, retirement, death and funeral and salary loan.

Type of SSS Benefits

Sickness Benefit

It’s a daily cash allowance paid for the number of days a member is unable to work due to sickness or injury.

Maternity Benefit

It’s a daily cash allowance granted to a female member who is unable to work due to childbirth or miscarriage.

Disability Benefit

It’s a cash benefit granted – either as a monthly pension or a lump-sum amount – to a member who becomes permanently disabled, either partially or totally.

Retirement Benefit

It’s a cash benefit granted – either as a monthly compensation or a lump-sum amount – to a member who can no longer work due to old age.


It’s a cash benefit granted – either as a monthly compensation or lump-sum amount – to the beneficiaries of a deceased member


A funeral grant of P20,000 to whoever paid for the burial expenses of the deceased member.

Salary Loan

It’s a cash loan granted to an employed, currently – paying self-employed or voluntary member. It is intended to meet the member’s short-term credit needs.

Now you are aware of the benefits of SSS and if you an SSS contributor, you might want to take advantage of these benefits in times of need.


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Disclaimer: The content of this article may become outdated because of changes in the rules and regulations over time. It does not substitute the need for inquiring professional advice.