SSS Sickness Benefit Calculator 2025-2026

Calculate your SSS sickness benefit based on salary credit and sick days. Free 2025 calculator with 90% daily allowance and claims filing guide.

Last updated:

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Based on your 6 highest MSCs within the 12-month reference period (₱5,000 - ₱35,000)

Minimum 4 days (including 3-day waiting period). Maximum 120 compensable days per year.

How SSS Sickness Benefits Work

The Social Security System (SSS) provides sickness benefits to qualified members who are unable to work due to illness or injury. The benefit is a daily cash allowance computed at 90% of your average daily salary credit.

90% Benefit Rate: SSS sickness benefits are paid at 90% of your average daily salary credit, unlike maternity benefits which are paid at 100%. The first 3 days are a waiting period and are not compensated.

Key Sickness Benefit Rules

  • Benefit Rate: 90% of Average Daily Salary Credit
  • Waiting Period: First 3 days are not compensated
  • Minimum Confinement: At least 4 days (including waiting period)
  • Maximum per Year: 120 compensable days per calendar year

Eligibility Requirements

Contribution Requirements

  • At least 3 monthly contributions within the 12-month period immediately before the month of sickness
  • Contributions must be paid on time or within the grace period

Medical Requirements

  • Medical certificate from a licensed physician certifying your illness or injury
  • Confinement period must be at least 4 days (including the 3-day waiting period)
  • The illness or injury must prevent you from performing your regular work

Notification Deadlines

Confinement Type Employee to Employer Employer to SSS
Home Confinement Within 5 calendar days Within 5 calendar days after notification
Hospital Confinement Not strictly required Within 1 year from discharge

Required Documents

Primary Requirements

  1. SSS Sickness Notification Form (E-1 Form)
  2. Medical Certificate from attending physician
  3. SSS ID or UMID Card
  4. Valid government-issued ID

Additional Requirements

  • Daily Time Record or Certificate of Confinement
  • Employer's Certification (for employed members)
  • Income Tax Return (for self-employed members)

How to File Your Claim

Online Filing (My.SSS Portal)

  1. Log in to your My.SSS account
  2. Go to E-Services → Sickness Benefits
  3. Fill out the online application form
  4. Upload required documents
  5. Submit your application

Offline Filing

  1. Visit your nearest SSS branch
  2. Get the E-1 Form (Sickness Notification)
  3. Complete the form with required information
  4. Submit with supporting documents
  5. Get your acknowledgment receipt

What If My Sickness Lasts Longer Than 120 Days?

If your illness extends beyond 120 days, you may be eligible for SSS Disability Benefits instead of continued sickness benefits. Disability benefits provide monthly pension payments for permanent conditions that prevent you from working.

Contact SSS

  • SSS Hotline: 8920-6446 to 55
  • Toll-free: 1-800-10-2255777
  • Website: sss.gov.ph
  • Email: member_relations@sss.gov.ph

Frequently Asked Questions

How much is the SSS sickness benefit for 2025?
Your SSS sickness benefit is calculated as 90% of your Average Daily Salary Credit multiplied by the number of compensable days. The first 3 days are a waiting period and are not compensated. Maximum benefit is 120 days per calendar year.
What is the 3-day waiting period for SSS sickness benefit?
The first 3 days of your sickness are considered a waiting period and are not compensated by SSS. Benefits start from the 4th day of confinement. This means if you're sick for 10 days, only 7 days are compensable.
What are the requirements for SSS sickness benefit?
You must have at least 3 monthly contributions within the 12-month period immediately before the month of sickness. You need a medical certificate from a licensed physician, and the confinement must be at least 4 days (including the 3-day waiting period).
How long does SSS sickness benefit processing take?
Online applications through My.SSS typically take 7-10 business days to process. Payment is released within 3-5 business days after approval via your registered bank account or UMID card.
Can I claim SSS sickness benefit multiple times per year?
Yes, you can claim sickness benefits multiple times as long as you don't exceed the 120-day maximum per calendar year. Each claim requires separate medical documentation and SSS notification.