Government-Mandated Employee Benefits in the Philippines
Complete guide to government-mandated employee benefits in the Philippines. Learn about SSS, PhilHealth, Pag-IBIG, 13th month pay, and other labor rights.
As a worker in the Philippines, you’re entitled to government-mandated benefits designed to provide financial security and protection. Understanding these benefits helps you get the most from your employment.
Social Security System (SSS) Benefits
SSS provides comprehensive benefits for employees:
| Benefit | Description |
|---|---|
| Sickness | Cash benefit during illness or injury |
| Maternity | Financial support for pregnancy and childbirth |
| Disability | Assistance for partial or full disability |
| Retirement | Monthly pension or lump sum upon retirement |
| Funeral | Financial aid for deceased member’s burial |
| Loans | Salary, calamity, and housing loans |
2025 SSS Contribution
| Component | Rate |
|---|---|
| Total Rate | 15% |
| Employee Share | 5% |
| Employer Share | 10% |
| MSC Range | ₱5,000 - ₱35,000 |
Ensure your employer remits contributions on time to maintain eligibility.
PhilHealth Benefits
PhilHealth provides health insurance coverage including:
| Coverage | Details |
|---|---|
| Inpatient | Hospitalization, medications, professional fees |
| Outpatient | Day surgeries, dialysis, procedures |
| Maternity | Prenatal care and delivery |
| Special Packages | Cancer treatment, kidney transplant |
2025 PhilHealth Contribution
| Parameter | Value |
|---|---|
| Rate | 5% of monthly salary |
| Salary Floor | ₱10,000 |
| Salary Ceiling | ₱100,000 |
| Employee Share | 2.5% |
| Employer Share | 2.5% |
Pag-IBIG Fund Benefits
Pag-IBIG helps employees with savings and housing:
| Program | Description |
|---|---|
| Regular Savings | Mandatory contributions with annual dividends |
| Housing Loans | Low-interest loans for home purchase/construction |
| Multi-Purpose Loans | Loans for personal or emergency needs |
| Calamity Loans | Financial aid during disasters |
Pag-IBIG Contribution
| Component | Rate |
|---|---|
| Employee Share | 1-2% of salary |
| Employer Share | 2% |
| Max Compensation | ₱10,000 |
| Max Contribution | ₱200/month |
13th Month Pay
All rank-and-file employees who have worked at least one month are entitled to 13th month pay.
| Requirement | Details |
|---|---|
| Amount | 1/12 of total basic salary earned |
| Deadline | December 24 |
| Tax Exemption | First ₱90,000 exempt from tax |
Service Incentive Leave
| Requirement | Details |
|---|---|
| Eligibility | At least 1 year of service |
| Entitlement | 5 days paid leave per year |
| Usage | Vacation or sick leave |
Holiday Pay
Employees are entitled to pay for regular and special holidays:
Regular Holidays (No Work)
200% of daily rate for work performed
Special Non-Working Holidays (No Work)
130% of daily rate for work performed
Overtime Pay
| Work Condition | Overtime Rate |
|---|---|
| Regular Day | 125% of hourly rate |
| Rest Day | 130% of hourly rate |
| Regular Holiday | 200% of hourly rate |
| Special Holiday | 130% of hourly rate |
Night Shift Differential
Work between 10 PM and 6 AM entitles employees to:
| Shift | Additional Pay |
|---|---|
| Regular Night Shift | +10% of hourly rate |
Why Know Your Benefits
Understanding these benefits empowers you to:
- Get what you’re legally owed
- Ensure employer compliance
- Plan your financial future
- Protect yourself and family
How to Verify Your Contributions
Check your contributions regularly:
| Agency | Portal |
|---|---|
| SSS | My.SSS Portal |
| PhilHealth | Member Portal |
| Pag-IBIG | Virtual Pag-IBIG |
What to Do If Benefits Aren’t Provided
If your employer fails to provide mandated benefits:
- Document everything - Keep records of employment and missing benefits
- Talk to HR - Address the issue internally first
- File a complaint - Contact DOLE, SSS, PhilHealth, or Pag-IBIG
- Seek legal help - Consult a labor lawyer if needed
Contact Information
| Agency | Contact |
|---|---|
| DOLE Hotline | 1349 |
| SSS Hotline | 1455 |
| PhilHealth | (02) 866-225-88 |
| Pag-IBIG | (02) 8724-4244 |
Stay informed about your rights and make the most of the benefits designed to protect Filipino workers.