How much is the pension of retired teacher in Philippines?

Retirement is a time when people get to reap the rewards of a life of hard work and dedication. In the Philippines, retired teachers are entitled to receive a pension to help them sustain their lifestyle post-retirement.

But what does that look like? How much does a retired teacher receive in terms of pension? Let’s find out!

What is pension for retired teachers in the Philippines?

Pension for retired teachers in the Philippines is given as a lump sum amount or as an annuity.

  • Lump sum amounts are typically paid out from contributions made by employers and employees during their active service period.
  • Annuities are usually paid out monthly and cover certain expenses such as health care, rent, food, and other living expenses.

Retirement pensions may also include additional benefits such as death, disability, and survivor’s coverage.

How much do I get if I retire early?

The amount you can receive depends on how long you have been teaching in the Philippines and your age at retirement. For example, if you begin teaching at age 25 and retire at 50 with 30 years of service, you will receive a full pension of 500 pesos per month plus 5% of your final basic salary for each year beyond 30 years.

If you retire before 30 years due to physical disability or incapacitation caused by an injury or illness related to your job, you can still be eligible for partial pension payments based on factors such as years worked and age at retirement.

Am I eligible to get Social Security System (SSS) benefits?

Yes, all SSS members (including retired public school teachers) who have contributed regularly during their active service period are entitled to receive SSS benefits upon retirement.

These may include monthly income benefits for those aged 60 -64 who have contributed for at least 10 years; educational assistance allowances; medical aid; housing loans; funeral aid; etc.

However in order to qualify for these benefits you must meet certain requirements such as having sufficient contributions over 120 months prior to retirement or being disabled due to work-related injury or illness prior to reaching age 60.

Calculate your SSS retirement benefits with our SSS Pension Calculator now.

Are there any other financial assistance programs available?

Yes! Retired public school teachers may also be eligible for additional financial assistance programs offered by both private organizations and government bodies such as:

  • Pasig City’s PUPsikap Program which provides monthly stipends of up to 2,500 pesos per month;
  • TESDA’s Sheltered Workshop program which offers vocational training courses;
  • Department of Social Welfare Development (DSWD) Financial Assistance Programs which provide cash grants ranging from 1,000- 5,000 pesos per month depending on family size;
  • The National Government Employees Pension Fund (NGECFPF); etc..

How Can I Increase My Pension Benefits?

There are several ways you can increase your pension benefits as a retired teacher in the Philippines:

Stay with one institution for more than 10 years

If you’re currently employed by an institution that offers pension benefits upon retirement, staying with them for more than 10 years will ensure that you get the maximum benefit.

This may include higher monthly payments as well as additional benefits such as health insurance coverage or access to subsidized housing programs.

Increase your salary grade level

Most pensions are determined by an individual’s salary grade level before they retire (the higher their grade level, the better). If you want to increase your pension benefits after retirement, try finding ways to increase your salary while you’re still working.

This could include taking night classes or advanced courses related to teaching or pursuing additional certifications/qualifications related to education.

Invest in other sources of income

Retirement isn’t just about relying on pensions, there are other sources of income available such as investments in stocks and bonds or rental properties that can provide additional financial security during retirement years.

While these strategies require more effort upfront (and come with associated risks), they have the potential to produce greater returns over time which could supplement any standard pension benefit received from your previous employer(s).


Retired public school teachers in the Philippines are entitled to various types of financial assistance after retiring from their jobs including pensions, social security system benefits, educational assistance allowances and more.

To ensure that they are able to access these benefits it is important that they make regular contributions throughout their active service period or meet other conditions outlined by the relevant government bodies/organizations.

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