SSS Disability Benefit: Complete Guide to Requirements, Claims & Amounts
Complete guide to SSS Disability Benefits. Learn qualification requirements, pension calculations, claim process, and payment methods for Filipino workers.
The SSS Disability Benefit provides financial assistance to Filipino workers who become permanently disabled. This guide covers qualification requirements, benefit calculations, and how to claim.
What is SSS Disability Benefit?
SSS Disability Benefit is a cash benefit granted to members who become permanently disabled, either totally or partially. The disability must prevent the member from performing their usual work or any substantially gainful activity.
Qualification Requirements
Contribution Requirement
Minimum: At least 1 monthly contribution paid before the semester when the disability occurred.
Types of Disabilities
Permanent Partial Disabilities
Complete and permanent loss of:
Limbs and Extremities:
- One thumb, index finger, middle finger, ring finger, or little finger
- One big toe
- One hand or arm
- One foot or leg
Sensory Organs:
- One or both ears
- Hearing of one or both ears
- Sight of one eye
Permanent Total Disabilities
- Complete loss of sight of both eyes
- Loss of two limbs at or above ankles or wrists
- Permanent complete paralysis of two limbs
- Brain injury resulting in incurable imbecility or insanity
Benefit Types and Amounts
Monthly Pension
Eligibility: At least 36 monthly contributions before disability.
Minimum Monthly Pension:
| Credited Years of Service | Minimum Pension |
|---|---|
| Less than 10 CYS | ₱1,000 |
| 10-19 CYS | ₱1,200 |
| 20+ CYS | ₱2,400 |
Lump Sum Amount
Eligibility: Less than 36 monthly contributions.
Calculation:
- Monthly pension × Number of contributions, OR
- Monthly pension × 12 months
- Whichever is higher
Additional Benefits
| Benefit | Amount |
|---|---|
| Supplemental Benefit (since 2017) | ₱1,000/month |
| Supplemental Disability Allowance | ₱500/month |
| 13th Month Pension | Yes (for total disability) |
| Dependent’s Pension | 10% of pension or ₱250 (whichever is higher) |
How to Apply
Required Documents
- Disability Claim Application (DisCA) Form
- Member’s Photo and Signature Form
- SSS Medical Certificate Form (within 6 months)
- Supporting medical records (certified true copies)
- Valid ID (UMID, passport, driver’s license)
Where to File
- Any SSS branch nationwide
- Deadline: Within 10 years from disability occurrence
- Representative filing allowed when member is incapacitated
Filing Timeline by Disability Type
| Disability Type | When to File |
|---|---|
| Amputation | Immediately after |
| Fracture | 4 months after injury/operation |
| Stroke | 4 months after onset |
| Heart Disease | As applicable |
| Tuberculosis (Minimal) | 2 years after onset |
| Mental Illness | 2 years after onset |
Payment Methods
Benefits are disbursed via:
- UMID ATM card
- PESONet (bank transfer)
- E-wallets
- Cash payout outlets
Timeline: 5-7 banking days after claim approval.
Important Rules
Pension Cancellation
Monthly pension may be cancelled due to:
- Re-employment or self-employment
- Recovery from permanent total disability
- Failure to comply with Annual Confirmation of Pensioners (ACOP)
Upon Death
- Total disability pensioner: Beneficiaries receive 100% of pension
- Partial disability pensioner: Pension ceases upon death
Tips for Successful Claims
- File early - Don’t wait until the 10-year deadline
- Complete documentation - All medical records must be certified true copies
- Follow timeline requirements - Submit within specified periods
- Track via My.SSS - Monitor claim status online
- Keep records updated - Maintain current contact information
Frequently Asked Questions
Can I receive both disability and retirement benefits? No. At retirement age, choose between disability or retirement pension.
What if my disability improves? Total disability pension will be cancelled. Partial disability continues until the approved period expires.
Can I work while receiving benefits? Re-employment cancels your disability pension.
How long does processing take? Varies by case. Payment is 5-7 days after approval.
For more information, visit the official SSS website or call 1455.