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SSS Sickness Benefit Calculator 2026

Estimate SSS sickness cash benefits from regular salary credits and approved days. Uses the 90% daily allowance without an automatic three-day deduction.

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Exclude the semester of the event. In the preceding 12 months, cap each qualifying MSC at ₱20,000, add the six highest, then divide by six. With only three to five paid months, still divide by six. This is not your salary or contribution payment.

Enter approved days, not simply days absent. Four-day confinement is an eligibility condition, not a three-day waiting deduction. Check remaining annual entitlement with SSS.

How to use this sickness benefit estimate

Enter the average of your six highest qualifying regular monthly salary credits and the compensable days approved by SSS. Before approval, treat any entered day count as a scenario, not an entitlement.

Exclude the semester of sickness: the event quarter plus the preceding quarter. Count back 12 months from the start of that semester. A September 2026 sickness uses April 2025–March 2026. Add the six highest qualifying MSCs in that window, each capped at ₱20,000, then divide by six. With fewer than six paid months, the divisor remains six.

Formula and worked examples

Daily allowance = six-highest regular MSC sum ÷ 180 × 90%. Total = daily allowance × approved compensable days. Only the final total is rounded to centavos.

Six-highest MSC averageApproved daysTotal estimate
₱5,00010₱1,500
₱20,0004₱2,400
₱20,00010₱6,000

Check eligibility before relying on the amount

SSS requires inability to work and at least four days of hospital or home confinement, at least three contributions in the qualifying window, and the applicable notification. Employed members must exhaust current company sick leave with pay, except sea-based OFWs. The four-day minimum does not mean only the fourth day is payable.

The annual limit is 120 compensable days, with no carryover; the same illness is limited to 240 days. A continuing condition does not automatically produce a disability pension. Medical evaluation and disability eligibility still apply.

Use the sickness filing guide for the different home and hospital deadlines and documents. Compare the separate maternity benefit rules; SSS sickness cannot cover the same period already paid as maternity benefit. The contribution calculator shows contributions, not this cash benefit.

Official references

Checked September 13, 2026: SSS sickness benefit rules and computation and RA 11199, section 14. SSS determines approved days and the final payment.

Frequently Asked Questions

Does SSS deduct the first three days of sickness?
There is no automatic three-day deduction in this formula. At least four days of confinement is an eligibility condition. The benefit uses the days SSS approves.
What is the daily allowance?
It is 90% of the sum of the six highest qualifying regular MSCs divided by 180. Six MSCs of ₱20,000 produce a daily allowance of ₱600.
Which contribution months count?
Use the 12 months before the semester of sickness, not simply the 12 months before the event. The semester includes the event quarter and the quarter before it.
Can I claim all days I am absent?
Not automatically. SSS evaluates the claim. Employed members generally must first exhaust current company sick leave with pay; sea-based OFWs are excepted from that condition.
What are the day limits?
SSS limits sickness benefit to 120 days per calendar year and 240 days for the same illness. Unused annual days do not carry forward. This tool does not check prior claims.