SSS Social Security System Philippines
What is the death benefit?
It is a cash benefit either in monthly pension or lump sum paid to the beneficiaries of a deceased member.
Who are the beneficiaries of a deceased member?
The primary beneficiaries are the legitimate dependent spouse until the person remarries and the dependent legitimate, legitimated, or legally adopted, and illegitimate children of the member who are not yet 21 years old. In the absence of primary beneficiaries, the dependent parents shall be the secondary beneficiaries. In their absence, any other person designated by the member as beneficiary in the member’s record.
What are the types of death benefits?
They are:
the monthly pension; and
the lump sum amount.
The monthly pension is granted only to the primary beneficiaries of a deceased member who had paid 36 monthly contributions before the semester of death.
The lump sum is the amount granted to the primary beneficiaries of a deceased member who had paid less than 36 monthly contributions before the semester of death. The secondary beneficiaries shall be entitled to a lump sum benefit.
How much is the monthly pension?
The monthly pension depends on the member’s paid contributions, including the credited yeas of service (CYS) and the number of dependent minor children but not to exceed five.
The amount of monthly pension will be the highest of:
the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of 10 years; or
40 percent of the average monthly salary credit; or
P1,000 if the member had less than 10 credited years of service (CYS); P1,200 if with at least 10 CYS; or P2,400 if with at least 20 CYS. The monthly pension is paid for not less than 60 months.
If the deceased member is survived by legitimate, legitimated, or legally adopted and illegitimate children, how is the monthly pension divided?
If a deceased member is survived by less than five minor legitimate, legitimated, or legally adopted children, the illegitimate minor children will be entitled to 50 percent of the share of the legitimate, legitimated or legally adopted children in the basic pension and 100 percent of the dependents’ pension.
In cases where there are no legitimate, legitimated, or legally adopted children, the illegitimate minor children shall be entitled to 100 percent of the basic pension.
How is the monthly pension paid?
The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the “Mag-impok sa Bangko” program. This became mandatory effective September 1, 1993.
The beneficiary must open a single savings account and must submit to the SSS his saving account number and a photocopy of his passbook upon filing of application. The original passbook must be presented for authentication purposes.
Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing him when to withdraw his benefit from the bank.
How much is the lump sum death benefit?
The primary beneficiaries of a deceased member who has paid less than 36 monthly contributions shall be entitled to lump sum benefit which shall be the higher of:
monthly pension times the number of monthly contributions paid prior to the semester of death; or
twelve (12) times the monthly pension.
The secondary beneficiaries of the deceased member shall be entitled to a lump sum benefit equivalent to:
36 times the monthly pension; if the member has paid at least 36 monthly contributions prior to the semester of death; or
monthly pension times the number of monthly contributions paid or twelve (12) times the monthly pension, whichever is higher, if the member has paid less than 36 monthly contributions prior to the semester of death.
Is there anything else a deceased member’s beneficiaries can avail of?
Yes, the deceased member’s beneficiaries are entitled to a 13th month pension payable every December and the funeral benefit, which is paid to whoever, shouldered the funeral expenses of the deceased member.
Survivorship pensioners prior to the effectivity of RA 7875 on March 4, 1995 are also entitled to hospitalization benefits under PhilHealth. They need to register under PhilHealth and must submit a DDR print-out indicating the type of claim is survivorship in nature and the effectivity date of pension or a copy of Death/Survivorship Certification issued by the SSS indicating the effectivity of the pension shall be submitted to PhilHealth.
Survivorship pensioners under the effectivity of RA 7875 on March 4, 1995 and thereafter, are no longer covered. However, those who wish to avail of PhilHealth benefits may enroll in the Individually – Paying Program (for voluntary/self-employed) or the Indigent Program (IP) of PhilHealth.
If the deceased member has not paid any single contribution, are the beneficiaries still entitled to the death and funeral benefits?
The primary or secondary beneficiaries of a deceased employee-member, who had no contribution payment at all and who was reported for coverage shall be entitled to funeral benefit only.
Are the children of a deceased member entitled to the dependents’ pension?
The dependent legitimate, legitimated, legally adopted or illegitimate children, conceived on or before the date of death of a deceased will each receive a dependents’ pension equivalent to 10 percent of the members’ monthly pension or P250, whichever is higher.
Only five minor children, beginning from the youngest, are entitled to the dependents’ pension. No substitution is allowed.
Where there are more than five (5) legitimate and illegitimate minor children, the legitimate shall be preferred.
For how long will the dependent child receive his pension?
The dependents’ pension stops when the child reaches 21 years old, gets married, gets employed or dies. However, the dependents’ pension is granted for life to children who are over 21 years old, provided they are incapacitated and incapable of self-support due to physical or mental defect which is congenital and acquired during minority.
What is the funeral grant?
A funeral grant of P20,000 (effective September 1, 2000) is given to whoever pays the burial expenses of the deceased member or pensioner.
What are the documents needed in filing death and funeral claims?
For Death claim
Death claim application (SSS DDR-1)
Filers affidavit
DDR Savings Account Form
Passbook (for Pension)
Report of Death (if cause of death is work-connected)
SSS Form CLD 13A (Affidavit for Death Claim, if claimant is a secondary beneficiary)
SSS Form CLD 13 (Joint affidavit, if claimant is a legal heir)
Photo of filer and valid IDs
If married, marriage certificate of the deceased and birth certificates of minor children (duly certified by the Local Civil Registrar)
If single, the deceased member’s birth certificate and marriage certificate of the parents (duly certified by the Local Civil Registrar)
Note: Other papers may be required as they are found to be necessary during the processing of the claim.
For Funeral claim
Claim for Funeral Benefit (SSS Form BPN-103)
Death certificate duly certified by the local Civil Registrar
Receipt of payment issued by the funeral parlor
Affidavit of funeral expenses
Report of Death (if cause of death is work-connected)
Photo of filer and valid IDs
Original or certified true copies of the supporting documents should be presented during the filing of the claim.
Where does the beneficiary file for the funeral or death benefit?
Application forms for funeral/death benefit can be filed at any SSS branch or representative office.
Note:
This information is copied directly from the SSS or Social Security System documents and posted here just to share the information to those who are asking me for this. You need to visit the official website of SSS at www.sss.gov.ph for more official information or visit the the nearest SSS office for any official transactions.
Philippine Social Security System Benefits
The Philippine Social Security System was created in 1972. Republic Act No. 1161, which is known as Social Security Law, outlines the requirements and benefits associated with the program. The administrative body that collects and manages contributions and disperses benefits is called the Social Security System, and it is based in Manila. All employees and self-employed workers who earn more than 1,800 Philippine pesos per year must pay monthly contributions to the system.
Maternity
- A woman may claim maternity benefits for a birth or miscarriage. She must notify her employer or the Social Security System if she is self-employed, of her pregnancy. When the birth occurs, she receives 100 percent of her average daily salary multiplied by the number of days for which she will receive the benefit. For a normal birth or a miscarriage, she receives 60 days' pay. For a caesarean section, she will be paid for 78 days of leave. Average daily salary is calculated over the 12-month period before the semester in which the employee claims the benefit. A semester is a period of six consecutive months that ends in March, June, September or December. For example, if the event that triggers the benefit occurs in June, then the semester is from January to June. The period over which average earnings are calculated is the preceding January to December. Add the six highest monthly salaries during this period, and divide the result by 180. This is the average daily salary. To receive benefits, the employee must have paid into the Social Security System for three of the 12 months of the calculation period.
Sickness
- An employee who falls ill may use the Social Security System's sickness benefits if he has used up all of his sick time that is allowed by his employer. To qualify for this benefit, the worker must be unable to work for more than four days. He must notify his employer within five days of the onset of his inability to work, and the employer must notify the Social Security System within five days of receiving notification from the employee. For each day of illness, the employer must pay the employee 90 percent of his average daily earnings. The Social Security System reimburses the employer for this pay. If the sick person is self-employed, he must notify the Social Security System directly, and he will receive payments directly from them. He does not need to notify the System if he is in the hospital. Sickness benefits are available for up to 120 days per year, and no more than 240 days for the same condition.
Retirement
- Philippine retirement benefits may be claimed by members of the system who are unemployed and 60 years old or older, are 65 or older regardless of employment status, or are 55 or older and have worked in underground mines for five years. If a retiree has not paid 120 monthly contributions to the Social Security System, then he will receive a lump sum payment of all of his contributions, his employer's contributions on his behalf, and the accumulated interest. If a retiree has made 120 payments or more over the course of his lifetime, then he will receive a monthly benefit payment for the rest of his life. The amount of the monthly payment depends on the amount of his contributions to the system. He may receive additional pay for up to five dependent minor children. Retirees who will be paid monthly may choose to receive a lump sum in lieu of the first 18 months of payment. If a retiree who is receiving monthly payments and is under the age of 65 begins working again, his benefits are suspended until he stops working again or reaches the age of 65.
Disability
- The Social Security System pays benefits for partial and total disabilities. A worker is eligible for monthly disability benefits if he has made 36 or more monthly contributions to the Social Security System. Workers who have a lower number of contributions will receive a lump sum disability payment. Monthly pensions are based on the number of years that the employee has worked. Lump sums are calculated by multiplying the monthly pension that the employee would have received had he made the necessary number of contributions by the number of contributions that the employee has made or 12, whichever is higher. For partial disability, this number is multiplied by the percentage of whole-body function that the disability impairs, as determined by the Social Security System. Permanent partial and permanent total disabilities are enumerated in the Philippine Social Security Law. For disabilities that fall outside of the list in Social Security Law, a medical assessment must find that the employee has at least 20 percent impairment below normal levels of function. The employee must report for medical assessment annually.
Death
- The Social Security System pays death benefits to the beneficiaries of the deceased. If the deceased made 36 or more contributions to the System, the beneficiaries receive a monthly pension that is based on the level and number of contributions, with credits for the surviving dependent children. If the deceased made fewer payments, then the beneficiaries receive a lump sum that is the monthly pension that they would have received multiplied by the number of contributions that were made or 12, whichever is higher. The primary beneficiaries are the dependent spouse and children under 21. Illegitimate children will receive 50 percent of the benefit if there are fewer than five legitimate children. If there are no legitimate children, then illegitimate children will receive 100 percent of the benefits. If the deceased had no primary beneficiaries, then the benefits will be paid to his dependent parents--the secondary beneficiaries. If he had no secondary beneficiaries, then benefits will be paid to a party specified in his will.
The New SSS Contribution Schedule Table
The New SSS Contribution Schedule Table
The Philippine Social Security System (SSS) has released a table of its schedule of contribution that will take effect on January 2014.
Monthly Social Security System (SSS) contributions of at least 30.04 million individual members and 871,642 employers rise to 11 percent from 10.4 percent effective January 2014, the SSS said as it posted the new contribution schedule on its website.
The 0.6 percent increase translates to a total contribution of P285 for an employee whose monthly compensation is from P2,250 to P2,749. Employee's share in the P285 is P90.80 while the employer chips in P194.20. Domestic helpers' minimum monthly wage in Metro Manila is P2,500.
According to the new contribution schedule, a slightly lower rate applies for the self-employed, voluntary members and members who are overseas Filipino workers.
The minimum wage rate in Metro Manila is P429 per day, which amounts to P8,580.00 for 20 working days in a month. The SSS contribution rate at this wage level is P945.00, of which P308 is the employee's share while the employer's share is P636.20.
For private sector employees who earn more than P15,750 per month in compensation income, the total contribution is P1,790, for the employee's share of P581.30 and employer's share of P1,208.70.
