What are the Types of Disability Benefit?
- monthly pension – a cash benefit paid to a disabled member who has paid at least 36 monthly contributions to the SSS prior to the semester of disability.
- lumpsum amount – granted to those who have not paid the required 36 monthly contributions, and for disability claims whose approved pension duration is less than 12 months.
P1,000 for members with less than 10 credited years of service (CYS);
P1,200 with at least 10 CYS;
P2,400 with at least 20 CYS.
1. In addition to the monthly pension, a supplemental allowance of P500.00 is paid to the total or partial disability pensioner.
2. Total disability pensioners and their legal dependents prior to the effectivity of R.A. 7875 on March 4, 1995 are entitled to hospitalization benefits under PhilHealth.
The dependent legitimate, legitimated, legally adopted and illegitimate children, conceived on or before the date of contingency of a totally disabled pensioner will each receive a dependent’s allowance equivalent to 10 percent of the member’s pension, or P250, whichever is higher.
The monthly pension is paid thru the member’s designated bank. He is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program.
A member must open a single saving account and must submit to the SSS his savings account number and a photocopy of his passbook upon filing of his application. The original copy of the passbook must be presented for authentication purposes.
Upon approval of the claim, the SSS will mail a notice-voucher to the claimant when to withdraw the benefit from the bank.
Lump Sum Amount
For permanent total disability,
the lump sum benefit is equivalent to the monthly pension times the number of monthly contributions paid to the SSS or twelve (12) times the monthly pension, whichever is higher.
For permanent partial disability,
the lump sum is equivalent to the monthly pension times the number of monthly contributions times the percentage of disability in relation to the whole body or the monthly pension times 12 times the percentage of disability, whichever is higher.
- The monthly pension of the member and the dependent’s allowance will be suspended upon the reemployment or resumption of self-employment or the recovery of the disabled member from permanent total disability, or failure to present himself/herself for examination at least once a year upon notice by SSS.
- Upon the death of the permanent total disability pensioner, the primary beneficiaries as of the date of disability, shall be entitled to 100 percent of the monthly pension and the dependents to the dependents’ allowance.
- If the totally disabled pensioner has no primary beneficiaries and dies within sixty (60) months from the start of the monthly pension, the secondary beneficiaries shall be entitled to a lumpsum benefit equivalent to the total monthly pensions corresponding to the balance of the five-year guaranteed period, excluding the supplemental allowance.
- The pension stops when a partial disability pensioner retires or dies.
What are the Qualifying Conditions?
A member who suffers partial or total disability with at least one monthly contribution paid to the SSS prior to the semester of contingency is qualified.
A complete and permanent loss or use of any of the body parts, but which does not totally prevent a member from engaging in any gainful occupation.
Permanent Total Disability
When to file for a Disability Benefit?
The prescriptive period in the filing of disability benefit claim should be ten (10) years from the date of occurance of disability.
How to Apply for Disability Benefit?
- Disability Claim Application (SSS Form DDR-1);
- Medical Certificate (SSS Form MMD-102)
- Member’s photo and signature form (for initial claims only)
- Other documents that may be required to support the disability claim such as clinical and laboratory tests results, x-ray; and hospital records, among others.
- UMID or SSS biometrics ID card or two (2) other valid IDs, both with signature and at least one (1) with photo and date of birth
- Other supporting documents: (please see other supporting documents by clicking this link)
Applications for disability benefit are filed at any SSS branch or representative office. You can also watch our How-To video for a more detailed instruction.