SSS Disability Benefit 2024: Are You Eligible and How Much Can You Get?

Juilia Ruskin
6 Min Read

Are you curious about the SSS Disability Benefit for 2024? This guide will explain who qualifies for it and how much you can expect to receive. Let’s make this simple and clear so you can understand all the important details.

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What is the SSS Disability Benefit?

The SSS Disability Benefit helps people in the Philippines who can’t work due to a chronic disease or injury. It provides financial support for hospital stays, rehabilitation, and other needs. The benefit is available to working-age individuals who have paid their Social Security System (SSS) contributions.

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Understanding SSS Disability Benefit

The SSS Disability Benefit is a monetary award given to members who become fully or partially disabled. The benefit can be given as a lump sum or as a monthly pension, depending on the member’s monthly SSS contributions.

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Types of Disability Benefits

Monthly Payment: If you have paid at least 36 monthly SSS contributions before your disability, you qualify for a monthly disability pension.

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Lump-Sum Payment: If you have paid less than 36 monthly contributions or your disability period is less than a year, you may get a lump sum payment. For a full disability, the lump sum is the monthly pension amount multiplied by the number of monthly contributions or 12 times, whichever is higher. For partial disabilities, the lump sum is calculated based on the percentage of disability and the number of contributions.

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Who Qualifies for SSS Disability Benefit?

To qualify for the SSS Disability Benefit, you must meet these requirements:

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  • Contributions: You need to have made at least 36 monthly payments before your disability. If you’ve made fewer payments, you may still receive a lump sum.
  • Membership: You must be a member of SSS with either full or partial disabilities.

Partially Disabled: This includes the loss of function or use of certain body parts that still allows you to work.

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Fully Disabled: This includes total loss of vision in both eyes, loss of two limbs, permanent paralysis of two limbs, brain damage causing irreversible insanity, or other conditions approved by SSS.

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If you recover or go back to work, your SSS disability pension will stop.

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SSS Disability Benefit Amount

The amount you receive depends on your years of SSS membership and the total contributions made before your disability.

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  • Less than 10 years of service: Minimum monthly pension is P1,000.
  • At least 10 years of service: Minimum monthly pension is P1,200.
  • At least 20 years of service: Minimum monthly pension is P2,400.

Members may also receive a Supplemental Allowance of P500 monthly and an extra reward of P1,000 since January 2017. For fully and partially disabled members, there are different formulas to calculate lump sum payments.

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Additionally, up to five minor children can receive dependent pensions worth 10% of the member’s basic monthly pension or P250, whichever is higher. A 13th-month pension is paid in December for those fully disabled, and partially disabled members get this benefit if their pension period is 12 months or longer.

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How Much is SSS Partial Disability Benefit?

The partial disability benefit is calculated as follows:

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  • Monthly disability pension x Total number of monthly SSS contributions received x Percentage of the body’s total disability
  • Monthly pension x 12 x Disability percentage

Whichever amount is higher will be used.

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The SSS Disability Benefit is a vital financial aid for those who can’t work due to a disability. Knowing the eligibility criteria and how the benefits are calculated can help you understand what support is available. Whether it’s a monthly pension or a lump sum payment, this benefit aims to provide much-needed assistance to those in need.

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1. What is the SSS Disability Benefit?

It’s a financial aid given to SSS members who become fully or partially disabled.

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2. How do I qualify for the SSS Disability Benefit?

You need to have made at least 36 monthly SSS payments and be a member with a full or partial disability.

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3. What types of disability benefits are available?

There are monthly payments and lump-sum payments, depending on your contributions and disability duration.

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4. How is the amount of the SSS Disability Benefit determined?

The amount depends on your years of SSS membership and total contributions. There are different calculations for full and partial disabilities.

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5. What happens if I recover or go back to work?

Your SSS disability pension will stop if you recover or resume work.

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An up-and-coming tax attorney passionate about educating readers on tax planning and mitigation strategies. Juilia articles offer practical advice and actionable tips to help individuals and businesses navigate the intricacies of tax law with confidence.
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