SSS Sickness Benefit: Requirements, Computation & Claims Guide
Complete guide to SSS sickness benefits. Learn requirements, daily benefit computation, documents needed, and how to file claims in 2025.
SSS sickness benefits provide cash assistance to members unable to work due to illness or injury. This guide covers eligibility, computation, and claims process.
Eligibility Requirements
Contribution Requirements
- At least 3 monthly contributions within 12 months before month of sickness
- Contributions must be paid on time or within grace period
Medical Requirements
- Medical certificate from licensed physician
- Confinement period must be at least 4 days (including 3-day waiting period)
- Illness/injury must prevent regular work
Employment Status
- Must be a covered member at time of sickness
- Self-employed members also eligible if meeting requirements
Benefit Computation
Daily Benefit Rate
Daily Rate = (Average Monthly Salary Credit ÷ 30) × 90%
Total Benefit
Total = Daily Rate × Compensable Days
Important Notes
- Waiting Period: First 3 days not compensated
- Maximum Days: 120 days per calendar year
- Benefit Rate: 90% of average daily salary credit
Payment Schedule
| Duration | Payment Method |
|---|---|
| 4-7 days | After 3-day waiting period |
| 8-14 days | Weekly installments |
| 15+ days | Bi-weekly or monthly |
Required Documents
Primary Requirements
- SSS Sickness Notification Form (E-1)
- Medical Certificate from attending physician
- SSS ID or UMID Card
- Valid government-issued ID
Additional Requirements
- Daily Time Record or Certificate of Confinement
- Employer’s Certification (for employed)
- Income Tax Return (for self-employed)
How to File Claims
Online (My.SSS Portal)
- Log in to My.SSS account
- Go to E-Services > Sickness Benefits
- Complete online application
- Upload required documents
- Submit application
Offline (SSS Branch)
- Visit nearest SSS branch
- Get the E-1 Form
- Complete the form
- Submit with supporting documents
- Get acknowledgment receipt
Processing Time
| Method | Processing | Payment |
|---|---|---|
| Online | 7-10 days | 3-5 days after approval |
| Over-the-counter | 10-15 days | 3-5 days after approval |
Frequently Asked Questions
Can I claim multiple times per year? Yes, as long as you don’t exceed the 120-day maximum per calendar year.
What if sickness exceeds 120 days? You may be eligible for SSS Disability Benefits instead.
Can I work part-time while receiving benefits? No, benefits are only paid when completely unable to work.
How is AMSC calculated? By averaging monthly salary credits for 12 months before month of sickness.
Contact SSS
| Channel | Contact |
|---|---|
| Hotline | 8920-6446 to 55 |
| Toll-free | 1-800-10-2255777 |
| Website | sss.gov.ph |
| member_relations@sss.gov.ph |
Use our SSS Sickness Calculator to estimate your daily and total benefit amounts.