How To Compute SSS Pension For OFW In the Philippines?

As an overseas Filipino worker (OFW), you put in a lot of hard work to make sure your family back home is taken care of. But did you know that the Social Security System (SSS) provides pension benefits for OFWs, too? It’s true! Calculating SSS Pension for OFWs can be confusing, but don’t worry, I’m here to break it down and help you get started.

In this article, I’ll explain how to compute SSS Pension for OFWs in the Philippines so that you can start taking advantage of the retirement benefits available to you. There are three main factors that need to be considered for calculations: contributions made by employer or employee, number of years worked, and age at the time of application.

Additionally, filing for SSS Retirement Benefits as an OFW requires different procedures than regular employees. This means that certain documents may have to be obtained prior to submitting any applications or paperwork related to claiming pensions under Philippine law.

With proper guidance and accurate information on hand, however, computing SSS Pension for OFWs isn’t such a daunting task after all. Let’s dive in for more detail in this article!

Overview Of SSS Pension For Ofw In The Philippines

SSS pension is a retirement benefit that also includes overseas Filipino workers (OFWs). It is an important safety net for those who have spent their working lives abroad and are now ready to retire. The Social Security System of the Philippines, or SSS, offers OFWs the ability to enjoy regular monthly payments throughout their retirement.

To avail of this benefit, OFWs must be members of the SSS in good standing at least 10 years prior to separation from employment abroad. These contributions should also include 36 months within 12 months before leaving work abroad.

Moreover, they must not reach the age of 60 unless otherwise given exemption by law or any other valid agreement between employer and employee. Contributions may come from either the employee’s own contribution or through remittances made by his/her foreign employer if applicable under existing laws and regulations.

The amount of benefits received depends on how much was contributed while employed overseas and how long said employee has been a member of the system. Any unpaid contributions will reduce the total amount due to him/her, so it’s best that all dues are settled upon applying for pension benefits.

In addition, approved applications receive a lump-sum payment equivalent to six times their average monthly salary credit plus additional allowances depending on marital status as specified in Philippine Law. With these considerations in mind, OFWs can maximize their pensions when retiring back home after spending time working abroad.

You may also read: How To Claim SSS Pension In Philippines?

Eligibility Requirements For SSS Pension as an OFW

In order to qualify for the SSS pension as an OFW, there are certain eligibility requirements that must be met. To begin with, all qualifying overseas Filipino workers must have at least 120 monthly contributions in their records within a 12-month period before the date of filing.

Additionally, the OFW should be 60 years old or above for men and 55 or older for women by the time they file for retirement. Lastly, those who are already receiving a pension from any other source will not be eligible for an SSS pension until such other pensions cease being paid out.

It is important to note that employers abroad may also contribute on behalf of their OFWs provided they fulfill certain criteria set forth by the Social Security System of the Philippines. The employer’s contribution can help increase the chances of becoming qualified for a higher amount upon retirement.

For instance, it might enable them to receive up to Php 20,000 per month depending on how many months they were able to accumulate over the course of their working career overseas.

Applying for SSS Pension requires some paperwork filled out and submitted along with documents proving your age, number of years spent abroad, and proof of payments made during that period. Once these documents are reviewed and approved, you’ll then receive a notification from the SSS regarding your eligibility status and when you can start collecting your benefits accordingly.

Also Read: Claiming Your SSS Pension Online for Voluntary and Retirees

Contributions And Coverage

OFW Contributions are computed based on the worker’s salary credit and can range from a minimum of P1,000 up to a maximum of P16,000. A lower salary bracket would require less contribution per month while those in higher brackets will need more.

In addition, workers under 65 years old must also be covered by SSS membership for at least 10 years or have made at least 120 monthly payments before they become qualified for an SSS pension. Furthermore, only employed members who have contributed within 12 months preceding their retirement date can avail of the benefit.

OFWs who worked outside the country but registered with SSS prior to leaving may still qualify for pension coverage provided full payment was completed and all requirements were met according to applicable laws and regulations. Existing employers should comply with these rules as well so that both parties can receive their due benefits when they retire.

It is important to note that any missed payments could lead to forfeiture of rights and privileges related to SSS membership and its associated benefits. Therefore, it is essential that all mandatory contributions are settled promptly upon receipt of wages earned abroad.

By meeting set qualifications and adhering to proper procedures, OFWs can enjoy the privilege of having a secure income even after retirement age has been reached.

Calculate your potential benefits and plan for a comfortable future with ease. Start using the SSS Pension Calculator today and enjoy peace of mind in your golden years.

Application Process for OFWs To Receive SSS Pension Benefits

The application process for OFWs in the Philippines to receive SSS pension benefits is relatively simple. To begin, applicants need to gather all filing requirements and prepare an application form that includes their personal information such as name, address, contact number, and date of birth. The application must also include other important documents like employment certificates or proof of remittances sent back home.

Once the applicant has gathered all necessary documents, they can submit them directly to the Social Security System (SSS) office nearest to them or through postal mail using a pre-paid envelope provided by the SSS.

It’s important to note that if submitting applications via post, additional processing fees may apply. After submission, it usually takes two months before receiving notification on whether the application was approved or not.

If successful, applicants will be informed about their pension details and overseas benefits available for OFWs including special discounts for traveling abroad or life insurance coverage among others.

They will then receive regular payments from SSS until retirement age depending on when they started contributing towards their pensions.

Check Out: Global SSS Branches for OFWs


The SSS pension for OFW in the Philippines is a great way to ensure financial security during retirement. It’s important that potential applicants understand all of the eligibility requirements, contributions, and coverage before submitting their application. With this information, they can determine if it’s right for them or not.

For those who decide to apply, the process is straightforward and easy. By taking advantage of this program, OFWs will be able to enjoy increased savings and peace of mind throughout their retirement years knowing that their future is secure. As a tax consultant and pension expert for overseas Filipino workers, I highly recommend exploring this option as part of your overall retirement planning strategy.

Ultimately, with careful consideration and research into the various options available, you’ll be better informed when making decisions about your retirement plans, including whether or not applying for SSS pension benefits is right for you. Good luck!

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