Remittance, loan, contribution, ID, benefits and membership help information guide

When Do Members Become Eligible for Social Security Benefits?

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Facts About SSS Membership Eligibility, Benefits, Retirement, Contribution and Coverage

Many SSS members misquote the fact that benefits of the SSS is directly in accord to having a SS number. In fact, in order for any member of the Social Security System to become eligible to qualify to enjoy or avail of any benefit, he has to be employed first in an occupation. This is apart from securing, applying or getting a permanent SS number. The employer must also be subject to and have to report the employee / member application for his SSS coverage. In short, applying and securing a SSS number will not qualify any member to eligibility of enjoying all or any of the member benefits listed by this government agency in the Philippines.

sss coverage

We Value Your SSS Coverage

On the contrary, once an employed member has a number and get covered via an employment as requested by his or her employee, he or she also becomes a benefit covered member for life. There are certain qualifications though as required by the Social Security System for members in order to avail or qualify to apply availment of specific Social Security benefits.

The contributions that a member remits become savings in the future. This contribution will be counted based on months of years as a basis in order for any member to qualify for the grant of SSS benefits in times of emergency or any contingency. Another fact to realize for all active and non active contributing members is that all contributions paid cannot be refunded at any given time during or prior to retirement or reaching retirement age as stated in the Philippine Laws governing social security. Also, your membership cannot be withdrawn at any given time and circumstance except in an event of death or demise of the said member.

What Number of Contributions Are Required to Avail Benefits?

sss loan
SSS Member Loan

Loan – How many monthly or yearly contributions a member needs to pay in order to qualify to apply for a loan?

In order to avail of any form of SSS loan, all currently employed, currently contributing self-employed or voluntary member needs at least thirty six (36) posted monthly contributions (or 3 years). Please remember that six (6) of these contributions should be within the last twelve (12) months prior to the month of filing of application. The said loan to avail above qualifies any active-paying member for a one-month loan.

SSS Maternity Benefit
SSS Maternity Benefit (Full photo credits to website)

Maternity Benefit – How many monthly or yearly contributions does a member need to in order to qualify to avail the maternity benefit of the SSS? The maternity benefit is offered only to female SSS members. A member is qualified to avail of this benefit if: She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage. For questions on other benefits, please visit the official SSS website or you can also see a pdf file for paterntity benefits here –

How many pregnancies are covered by the SSS as part of the maternity benefit of a paying, active and qualified female member? –

“The female member shall be paid only one maternity benefit, regardless of the number of offspring, per childbirth/delivery. b. Failure of the employer to transmit to SSS the female worker’s notification on the fact of pregnancy and probable date of childbirth.”

sss retirement benefit
Avail SSS Retirement Benefit

Retirement Benefit – Below is the data pertaining to members who would like or is qualified to avail of the retirement benefit of the SSS.

There are actually two types of retirement benefit: 1st) via monthly pension – a lifetime cash benefit paid to a retiree who has paid at least 120 monthly contributions to the SSS prior to the semester of retirement. 2nd) via lumpsum amount – this retirement benefit is granted to a retiree who has not paid the required 120 monthly contributions.

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17 Responses to “When Do Members Become Eligible for Social Security Benefits?”

  • Adelaida says:

    Hi im adelaida i lost my sss id pkese emil me my sss number so that i can continue paying my contribution i am sss member many thanks

  • Andrea Eser says:

    Magandang araw po…ano po ang gagawin nang mother ko kc this month po dpat magrereport po xa para sa yearly annual report nang mother eh senior na po kasi xa at bwal lumabas dahil sa pandemic

  • Reynalyn M.Delgado says:

    Bakit po wala parin pong text or tawag na dumadating sakin?para po dun sa mat1 ko na hinulog ko sa dropbox.

  • Beverly M Dagatan says:

    I already contributed 120 months and 2009 was my last contribution. Can I avail the SSS unemployed Benefits. I was terminated last December 31, 2019.

  • Joe Rupert Camina says:

    good morning tanong lang kong mag retire ako earlier than 60y kasi sa march 2021 puede na po ba maka avail ng pension from SSS i had reached more than 120mos contribution already. kasi baka maisama ako sa retrenchment ng company earlier than march 2021 thanks

  • Joe Rupert Camina says:

    i had already reached the 120 mos. minimum contribution already, I will reach the age of 60y old this march 2021, for example I cannot reached the retirement age prior to my retirement can I avail to have my pension maybe I will be retrenched before march 2021 by the company.
    thanks to advise.

  • Cheryl Dumaran Antiporda says:

    Good day Mam/Sir.


    I’m Cheryl Dumaran Antiporda I would like to ask how to submit my retirement application form I was 60 yrs old last July 31, 2020 my previous address Hi way Sawmill, Silay City Negros Occidental now I’m residing in Grand Antel Village Bacao 2 General Trias Cavite for good. Do I need to submit personally to SSS EPZA branch wherein I lived nearby or I will authorize my daughter to submit in my behalf? I got SSS Retirement Form from SSS Pasay branch months ago , are these SSS forms accepted SSS EPZA Branch?
    Looking forward for the reply.
    GOD bless.
    Thank you ,
    Cheryl D. Antiporda

  • carmila roxas says:

    ako po si carmila roxas. Ask ko lng po if magkano pa po ba ang kailangan ko na ihulog sa SSS ko para pasok po ako sa pension ko pag magsenor na po ako. Ilang months pa po ba dapat para mahabol ko po?

  • Ailyn Carreon Tacang says:

    Gooday po, paregister ko lang po sana bago kung mobile #, para ma’update ako kada buwan, kung nahulugan… Salamat, this my #09559726140. Thanks

  • medardo abao palma says:

    good day po.. ask lang po ako.medardo palma 10yrs na.po yong contribution ko at hindi ko ba continue pagbayad basta yong naibayas ay umabot na ng 10yrs. tanong po pwed ba ako magloan ng calamity kahit d na ako ngbabayad ng .monthly?

  • Henry B. Payar says:

    Wish to inquire what are the needed requirements to avail retirement benefits. I was just 60yrs old last sept. 15, 2020. Thanks.

  • Milagros Bulalacao says:

    Uplay po namin si milagros bulalacao died septiembre 26 2020

  • Milagros Bulalacao says:

    Funeral claim aplication
    Milagros bulalacao

  • manolo (noli) silvestre says:

    bakit po wala pa akong na tanggap na pension para sa buwan ng September 2020?
    di naman po ako pwedeng lumabas para itaning sa sss main office gawa ng pandemic dahil 64 years old na po ako.
    SSS# 03-3963112-4

  • Myrine Sotto Cornel says:

    Allowed pa po ba na mag monthly payment ang isang 60 yrs old dahil hindi pa nya na consume ang 120 payment nya

  • Ma.cristina manalo says:

    Nadenied Ang maternity ko kc March nko ngstart nghulog..nkakasama Ng loob kc first time ko mgamit Ang sss ko.. sa 7mos Kong hulog this 2020 it was denied because of my monthly pay of two mons January and feb .. I was sad because I expect to much that I’m qualified to matben.. umiyak AQ syempre kc ung pinanghulog ko sa loob Ng 7mos ee pinangutang ko patapos maddenied Lang.. sa hirap kumita Ng pera ngaun pinaglaanan ko pdn sya Ng hirap at pagod habang buntis AQ.. Wala manlang nginform sakin o ngguide ..

  • Ricel Ricafort Tapan says:

    Hello po paano po eh update ang aking sss, nawala po ang number ko sa sss, at married napo ako at ako po ay nandito sa ibang bansa sa saudi arabia.. sana mapansin niyo po itong mensahe ko. salamat

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