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What is the SSS Disability Benefit?

Last updated: August 29, 2022

Written by: Alyssa Divina | Reviewed by: Rafael Hular

Key takeaways:

  • It’s good to have savings to help you financially in the event of partial or total disability.
  • But you need to have a few options to back you up.
  • Update your SSS contributions so you can count on disability benefits.
  • As a last resort, you can apply for a loan to cover your initial expenses.

What is the SSS Disability Benefit?

The SSS disability benefit is a cash benefit given to SSS members who have a permanent disability, whether partial or total. It can be given as either a monthly pension or a lump sum amount.

To qualify for the SSS disability benefit, you must have paid at least one month’s contribution before the semester of disability.

Who can claim disability benefits?

Members with total or partial permanent disabilities can apply for the SSS disability benefit. These are the lists of disabilities or sickness covered by the SSS.

Total disabilities

– Complete loss of sight of both eyes

– Loss of both limbs above the ankles or wrists

– Permanent complete paralysis of two limbs

– Brain injury resulting in incurable imbecility or insanity, or

– Such cases as approved by the SSS

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Partial permanent disabilities, or the loss of any of the following:

  • One thumb
  • One index finger
  • One middle finger
  • One ring finger
  • One little finger
  • One hand
  • One arm one foot
  • One leg
  • Both ears
  • Hearing of one or both ears
  • Sight of one eye

For female members, the SSS will also consider the following organ removal procedures as permanent partial disabilities if you were below 45 years old at the time of operation.

  • Loss of uterus alone
  • Loss of uterus and one ovary
  • Loss of uterus and both ovaries
  • Loss of both ovaries

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Types of benefits for disabled SSS members

There are two types of SSS disability benefits: monthly pension and lump sum amount.

If you want to apply for the monthly pension, you must have paid at least 36 monthly contributions prior to the semester of disability. If you’re qualified, you will receive a monthly pension plus Php 500 monthly supplemental allowance.

The minimum monthly disability pension is Php 1,000 if you have less than 10 credited years of service (CYS). Your pension will increase to Php 1,200 if you have at least 10 CYS, and Php 2,400 if you have at least 20 CYS. Effective January 2017, you will receive a Php 1,000 additional benefit.

  • If you’re a total disability pensioner, you will also receive a 13th month pension payable every December. In addition, your dependents will be given a dependent’s pension worth 10% of the member’s basic monthly pension, or Php 250, whichever is higher.
  • If you’re a partial disability pensioner, your 13th month pension will be paid provided that the pension duration is at least 12 months.

On the other hand, you will receive a lump sum amount if you have less than 36 monthly contributions.

FAQ

  • How long is the processing of an SSS disability claim?
    Processing of claims can last for one to two months.
  • How can I receive my disability benefits?
    You will be notified once your claim has been approved. You will have to present a photocopy of your bank passbook or ATM card with a validated deposit slip when claiming your benefit from one of the SSS’ accredited banks.
  • Can I download the disability claim application form online?
    Yes, you can download a copy of the application form from the SSS website.

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SSS disability requirements 2022

You have to prepare the following requirements before you can claim your SSS disability benefit:

1. Accomplished disability claim application form
2. SSS medical certificate accomplished by your physician
3. Any of the following IDs:

  • 1 valid primary ID (SSS ID, UMID ID, passport, PRC card, seaman’s book)
  • 2 valid secondary IDs (postal ID, driver’s license, TIN ID, Philhealth ID, company ID, senior citizen ID, etc.)

4. Member or claimant’s photo and signature card
5. Certified true copy of supporting documents:

  • Operating room record, if operated
  • Clinical or hospital abstract, if confined
  • Lab or diagnostic results (x-ray, ECG, ultrasound, MRI/CT scan, blood chemistry results)

6. Employment data, if you’re applying for Employee’s Compensation
7. SS card or E-6 acknowledgement stub with 2 valid IDs
8. Photocopy of any of the following:

  • Savings account ATM or passbook
  • Validated initial bank deposit slip
  • Visa cash card enrollment form

How to apply for SSS disability benefits

  1. Make sure that you have all the documents needed before applying.
  2. Enroll your bank or disbursement account on your my.SSS account.
  3. Go to any SSS branch or representative office. Due to the pandemic, applications are done through the dropbox system.
  4. If you cannot go to the SSS branch yourself, your representative can file on your behalf.
  5. An attending physician will conduct a physical exam and determine if you have to submit additional documents supporting your claim.
  6. Wait for 1-2 months for your claim to be processed. Once approved, you will receive a notice of your disability pension amount and how to withdraw it from your bank account.

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How can I apply for SSS disability benefits online?

As of the moment, you cannot apply for SSS disability benefits online, but you can download a copy of the Disability Claim application form online from the SSS website.

Sample computation of SSS disability pension

Curious about how much you will be able to receive once you’ve been approved for SSS disability benefits? Check out the sample SSS disability computations below!

The amount of your disability monthly pension will depend on the number of years that you have been an SSS member and your number of contributions before the semester of your disability.

Amount of CYS Amount of pension
Less than 10 CYS Minimum of Php 1,000
At least 10 CYS Php 1,200
At least 20 CYS Php 2,400

For example, if you have at least 20 credited years of service, the amount of your disability pension will be:

Php 2,400 + Php 500 monthly supplemental allowance + Php 1,000 additional benefit = Php 3,900.

There are two formulas used to calculate total disability benefits. Whichever yields the highest amount will be applied to your case.

Monthly disability benefit ✕ number of SSS monthly contribution payments
Monthly pension ✕ 12

The SSS also uses two formulas to calculate partial disability benefits. Whichever yields the highest amount will be applied to your case.

Monthly disability benefit ✕ number of SSS monthly contribution payments
Monthly pension ✕ 12

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SSS disability FAQ

✓ How long is the processing of an SSS disability claim?
Processing of claims can last for one to two months.

✓ How can I receive my disability benefits?
You will be notified once your claim has been approved. You will have to present a photocopy of your bank passbook or ATM card with a validated deposit slip when claiming your benefit from one of the SSS’ accredited banks.

✓ Can I download the disability claim application form online?
Yes, you can download a copy of the application form from the SSS website.

✓ What are the SSS accredited banks for disability benefits?
Refer to the following SSS partner banks:

  • AUB
  • China Bank
  • DBP
  • EastWest Bank
  • Land Bank
  • PNB
  • PSBank
  • RCBC
  • Security Bank
  • Union Ban

✓ Is hysterectomy covered by the SSS disability benefit?
Yes, hysterectomies are covered by the SSS disability benefit.

Conclusion

Just because you have been disabled does not mean you have to spend the rest of your life in penury. It’s good to have sufficient savings that will help you financially in the event that you become partially or totally disabled. This will cover costs of treatment and recovery, as well as your daily expenses if you won’t be able to go back to the workforce anymore.

You can apply for a loan to cover initial costs, but it is still much better to update your SSS contributions so that in case you get a debilitating injury, the disability benefits will be able to cover you.

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Written by: Alyssa Divina

Author pages:
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines. Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years. She holds a degree in Journalism from the University of the Philippines Diliman.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.