How Is SSS Disability Pension Calculated In the Philippines?

Are you wondering how the Social Security System (SSS) disability pension is calculated in the Philippines? If so, then this article is for you! As research analyst specializing in SSS pensions, I will explain everything you need to know about calculating your SSS disability pension.

You’ll learn what factors are taken into account when assessing whether an individual qualifies for a disability pension and how it’s calculated. Additionally, I’ll provide tips on making sure that your calculation is accurate and up-to-date with current regulations. So read on, and get ready to maximize your SSS disability pension benefits!

Overview Of Sss Disability Benefits

The Social Security System (SSS) in the Philippines provides disability benefits for those affected by physical or mental impairments. The SSS disability pension is calculated based on certain criteria such as age, number of dependents and length of service. This article will provide an overview of how SSS disability benefits are calculated in the Philippines.

When applying for a disability pension from the SSS, you must be over 18 years old and have at least 120 months of total contributions to qualify. Your monthly pension amount depends on your average salary credit during the last 12 months prior to your application date, and is limited to maximum benefit caps set by law. Depending on the type of program you’re enrolled in, either voluntary or involuntary, additional factors can influence your eligibility and amount received.

Once you’ve met all requirements, your SSS Disability Pension will begin after approval from the agency’s Medical Board. Generally, it takes about three months before payments are disbursed but this timeline may vary depending on individual cases. It’s important to keep track of deadlines throughout the process so that you don’t miss any payment opportunities due to time constraints, failure to submit documents within given periods can lead to delays or even denial of claims altogether.

Applying for a sss disability pension in the Philippines requires careful consideration since there are many rules and regulations governing these types of programs. To ensure that you receive full eligibility rights, make sure to understand what is required for successful submission and follow up regularly with relevant agencies until your claim has been approved.

Eligibility Requirements For SSS Disability Pension

In order to qualify for an SSS disability pension in the Philippines, certain criteria must be met. First, a person must have been employed for at least 12 months prior to their onset of disability and must meet certain qualifications laid out by the Social Security System (SSS). The applicant must also provide evidence that they are not covered under any other government or private insurance program. Additionally, all medical records pertaining to the disability should be submitted along with the application.

To apply for benefits, applicants need to fill out Disability Claim Application Form from the SSS website and submit it along with supporting documents such as valid IDs, employment certificates and medical reports showing proof of disability. Applicants will then receive notification on their eligibility status within 45 days after submitting their application. If accepted, they can start receiving their monthly pension once approved by the SSS board.

It’s important to note that those who don’t meet these requirements may still be eligible for some form of social security benefit in special cases. For example, individuals with disabilities due to war injuries or industrial accidents can receive compensation through relevant laws in addition to SSS disability pensions.

Therefore, understanding one’s options is necessary when applying for sss disability benefits in the Philippines.

You may also like: List of SSS Branches and Offices in Metro Manila

Calculating The Amount Of SSS Disability Pension

The amount of SSS disability pension that an individual can receive depends on various factors. To calculate the exact rate and amount, one must use a formula based on the disability pension calculation set by Social Security System (SSS). The initial step to determine the sss disability rate is to identify what type of disability benefit is being claimed. Depending on this information, the appropriate sss pension computation will be used.

Once it has been determined what type of disability benefit is eligible for claim, the next step in calculating the sss disability amount would be to look at how much monthly salary credit was paid into social security during employment prior to becoming disabled.

This number is then multiplied with a percentage depending on when the employee became disabled or retired, which affects the total sss pension computation base. This final result obtained through using the disability pension formula serves as your monthly SSS Disability Pension Rate.

By following these steps, individuals can successfully estimate their potential SSS Disability Pension Amount. It’s important to note that each case may have different rules and regulations so make sure you consult with an expert if you are unsure about any aspect of your individual situation.

Also Read: Best Time to Claim Your SSS Pension

How to Compute Disability Pension?

The amount of the SSS disability pension is computed based on the member’s number of credited years of service (CYS) and the number of years he/she still has until reaching the age of 60. The formula for computing the SSS disability pension is as follows:

(SSS monthly salary credit x 60% x credited years of service) / 120 months


  • SSS monthly salary credit is the member’s highest MSC in the 12-month period immediately preceding the semester of contingency
  • Credited years of service are the number of years the member has paid contributions to the SSS
  • 120 months is the number of months in 10 years

The minimum monthly disability pension is Php1,000 for members with at least 10 CYS. Members with less than 10 CYS are not eligible for disability pension.

Example of Computing SSS Disability Pension

Let’s say that a member’s highest MSC in the 12-month period immediately preceding the semester of contingency is Php 16,000. The member has paid contributions to the SSS for 20 years, which gives him 240 credited years of service.

Using the formula, we can compute the member’s monthly disability pension as follows:

(Php 16,000 x 60% x 240) / 120 months = Php 19,200 / 120 months = Php 160

Therefore, the member’s monthly disability pension is Php 160.

How To Apply For An SSS Disability Pension?

Applying for a SSS disability pension in the Philippines is an easy process. To begin, you must meet certain eligibility requirements set by the Social Security System (SSS). These include being at least 18 years of age and having paid at least 36 months’ worth of contributions to the SSS. Additionally, you must have become disabled before reaching 60 years old and be able to provide proof that your disability has been assessed by a licensed physician.

After meeting these criteria, you can then start preparing your application documents which include medical certifications from both the doctor who diagnosed you with a disability and the attending physician who will certify its severity, certification from the employer or company where you are employed if applicable, valid government-issued ID cards such as driver’s license, passport, birth certificate or any other document that can prove your identity, recent 2×2 colored picture taken within 3 months prior to filing date; and lastly, proofs of payments made to SSS such as pay slips or ATM printouts covering 12 months preceding the month of filing.

Once all necessary papers are prepared and completed, applicants may file their applications through their nearest SSS branch office. Afterward, it would take approximately one to two weeks for processing upon submission to SSS offices. Applicants should also note that they may need to wait up to six months after submitting their application before receiving their first payment under this program.

However, those who meet all requirements typically receive full benefits once approved.


Applying for an SSS disability pension can be a long and complicated process. With the right information and research, however, it is possible to get the assistance you need. Eligibility requirements must be met in order for your application to be accepted, as well as properly calculating the amount of your claim.

It’s important to remember that filing for a disability pension isn’t something that should be taken lightly, there are many details involved that could make or break your case. I hope this article has helped you understand how SSS disability pensions work in the Philippines so that you can make an informed decision about what type of benefits you may qualify for. Good luck!

Finally, if you have any additional questions regarding SSS Disability Pension calculations or applications, don’t hesitate to contact us directly, we’d love to help!

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