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SSS Notes

Sickness Benefit

OVERVIEW: The sickness benefit is a daily cash allowance paid for the number of days a member is unable to
work due to sickness or injury.

QUALIFYING CONDITIONS
A member is qualified to avail of this benefit if:
1. A member is unable to work due to sickness or injury and confined either in a hospital or at home for at least
four (4) days;
2. He/she has paid at least three (3) months of contributions within the 12-month period immediately before the
semester of sickness or injury;
3. He/she has used up all current company sick leave with pay; and
4. He/she has notified the employer regarding his sickness or injury by filing the sickness benefit application; if
he/she is unemployed, voluntary or self-employed member, the sickness notification should be submitted
directly to SSS.

HOW TO APPLY
1. Notification Procedures
1.1. For Employees and Employers:
1.1.1. A member should notify the employer within five (5) calendar days after the start of sickness or
injury. The employer, in turn, must notify the SSS of the confinement within (5) calendar days after
receipt of the notification from the employee member.
1.1.2. Notification to the employer shall be made within one year from start of confinement if the member's
confinement is in a hospital. If the member got sick or was injured while working or while he was
within the company premises, sickness notification shall be made within ten (10) days from the start
of confinement. In this case, the employer must notify the SSS within ten (10) calendar days from the
start of the employee's sickness or injury while he was working or while he was within the company
premises.
1.2. For Unemployed, Self-employed and Voluntary Members:
1.2.1. Unemployed, self-employed or voluntary paying members should notify the SSS directly within five
(5) calendar days after the start of confinement, unless such confinement is in a hospital, in which
case, notification should be made within one (1) year from start of confinement
1.3. Effects of failure or delay in notification
1.3.1. If the employee notifies the employer, or the SSS, in the case of an unemployed, self-employed or
voluntarily paying member, beyond the prescribed five-day period, the confinement shall be deemed
to have started not earlier than the fifth day immediately preceding the date of notification.
1.3.2. If the employer notifies the SSS beyond five (5) calendar days after receipt of the notification from
the employee, the employer shall be reimbursed only for each day of confinement starting from the
10th calendar day immediately preceding the date of notification to the SSS.
1.3.3. If the employee has given the required notification to the employer, but the employer fails to notify
the SSS of the confinement within the prescribed period resulting in the reduction of the benefit or
denial of the claim, the employer shall have no right to recover the daily sickness allowance
advanced to the employee.
2. Application Requirements
2.1. Forms Needed
2.1.1. For the Employee Sickness Notification (SS Form CLD-9N)
2.1.2. For the Employer SSS Form B-304 (Sickness Benefit Reimbursement Application)
2.1.3. For Unemployed/Self-Employed/Voluntary member
2.1.3.1. Sickness Benefit Application Form for Unemployed/Self-employed/Voluntary Members (SS
Form CLD-9A)
2.1.3.2. Medical certificate (SS Form MMD-102)
2.2. Certified true copy of medical records
2.2.1. Hospital abstract
2.2.2. Operating Room Record
2.2.3. X-ray, CT Scan, ECG, Ultrasound Results, if any
2.2.4. Other clinical record/diagnostic procedure results
2.3. Proof of Identification
2.3.1. UMID or SSS biometrics ID card or two (2) other valid IDs, both with signature and at least one (1)
with photo and date of birth
2.4. Additional Requirements
2.4.1. For Unemployed Members
2.4.1.1. Certification from last employer showing the effective date of separation from employment or
notice of the company's closure/strike or certification from the Department of Labor and
Employment (DOLE) that the employee or employer has pending labor case.
2.4.1.2. Certification that no advance payment was granted, if the date of separation form employment
is within the confinement period being applied for.
2.4.2. For claim filed by Authorized Company Representative
2.4.2.1. Blue card, representative's SS card, or two (2) valid IDs both with signature and at least one (1)
with photo; and
2.4.2.2. Photocopy of the member's SS card or two (2) valid IDs both with signature and at least one
(1) with photo and date of birth duly signed by the member and authenticated by the authorized
company signatory.
3. Filing Procedure
3.1. Claims may be filed at the nearest SSS office. However, processing will be done at the branch where the
employer and employee records are based. You can also watch our How-To video for a more detailed
instruction.

BENEFIT COMPUTATION
The amount of a member's sickness benefit per day is equivalent to ninety percent (90%) of the member's average
daily salary credit.

Benefit Computation:
1. Exclude the semester of sickness.
1.1. A semester refers to two consecutive quarters ending in the quarter of sickness.
1.2. A quarter refers to three consecutive months ending March, June, September or December.
2. Count 12 months backwards starting from the month immediately before the semester of sickness.
3. Identify the six highest monthly salary credits within the 12-month period.
3.1. Monthly salary credit salary credit means the compensation base for contributions and benefits related to
the total earnings for the month. (The maximum covered earnings or compensation is P16,000 effective
January 1, 2014).
3.2. Please refer to the following table:
4. Add the six highest monthly salary credits to get the total monthly salary credit.
5. Divide the total monthly salary credits by 180 days to get the average daily salary credit.
6. Multiply the average daily salary credit by 90 percent to get the daily sickness allowance.
7. Multiply the daily sickness allowance by approved number of days to arrive at the amount of benefit due.
7.1. For example, let us say that an SSS member gets sick or injured in October 2013 for 20 days:
7.1.1. The semester of sickness would be from July 2013 to December 2013.
7.1.2. The 12-month period would be from July 2012 to June 2013 within which the six highest monthly
salary credits will be chosen.
7.1.3. Let us assume that the six highest monthly salary credits are P15, 000 each. The total monthly credit
would be P90, 000 (P15, 000 x 6).
7.1.4. The total monthly salary credit would be divided by 180 to get the average daily salary credit of P500
(P90,000/180).
7.1.5. The daily sickness allowance is 90 percent of the of the average daily salary credit or P450 (P500 x
90%).
7.1.6. The sickness benefit due is P9,000 (P450 x 20 days).

IMPORTANT!
 The payment of the daily sickness allowance is advanced by the employer every regular payday. The SSS will
then reimburse the employer of the amount legally advanced upon receipt of satisfactory proof of such payment
and legality thereof. For unemployed, self-employed or voluntary members, the sickness benefit will be paid
directly by the SSS to the member.
 The SSS will reimburse the employer only for confinements within the one-year period immediately preceding
and the date the claim for benefit or reimbursement is received by the SSS, except for confinements in hospital.
o For example, SSS receives the employer's reimbursement claim on Oct. 3, 2013 for the sickness
period September 23 to Oct. 14, 2012. The employer will be reimbursed for the period Oct. 4 to
14,2012 only as Sept. 23 to Oct. 3, 2012 falls outside the prescribed one-year period for
reimbursement claim.
 For hospital confinement, the claim for benefit must be filed within one (1) year from the last day of
confinement from the hospital. For home confinement, the claim for reimbursement by the employer must be
filed within one (1) year from the start of illness. Failure to file the claim within the prescribed period will result
to denial of the claim.
 A member can be granted sickness benefit for a maximum of 120 days in one calendar year. Any unused
portion of the allowable 120 days’ sickness benefit cannot be carried forward and added to the total number of
allowed compensable days for the following year.
 The sickness benefit shall not be paid for more than 240 days on account of the same illness. If the sickness or
injury still persists after 240 days, his claim will be considered a disability claim.

Rate of Contributions to SSS


The monthly contributions are based on the compensation of members (Please see table on the last page). The
current SSS contribution rate is 11% of the monthly salary credit not exceeding P16,000 and this is being shared by
the employer (7.37%) and the employee (3.63%).
Self-employed and voluntary members pay the 11% of the monthly salary credit (MSC) based on the monthly
earnings declared at the time of registration.
For OFWs, the minimum monthly salary credit is pegged at P5,000.
For the non-working spouse, the contribution will be based on 50% of the working spouse’s last posted monthly
salary credit but in no case shall it be lower than P1,000.

EMPLOYER-EMPLOYEE
RANGE OF MONTHL SE/VM/OF
COMPENSATION Y SOCIAL SECURITY TOTAL CONTRIBUTION W
SALARY EC TOTAL
MIN MAX CREDIT ER EE TOTAL ER ER EE TOTAL CONT
1,000.00 1,249.99 1,000.00 73.70 36.30 110.00 10.00 83.70 36.30 120.00 110.00
1,250.00 1,749.99 1,500.00 110.50 54.50 165.00 10.00 120.50 54.50 175.00 165.00
1,750.00 2,249.99 2,000.00 147.30 72.70 220.00 10.00 157.30 72.70 230.00 220.00
2,250.00 2,749.99 2,500.00 184.20 90.80 275.00 10.00 194.20 90.80 285.00 275.00
109.0 109.0
2,750.00 3,249.99 3,000.00 221.00 0 330.00 10.00 231.00 0 340.00 330.00
127.2 127.2
3,250.00 3,749.99 3,500.00 257.80 0 385.00 10.00 267.80 0 395.00 385.00
145.3 145.3
3,750.00 4,249.99 4,000.00 294.70 0 440.00 10.00 304.70 0 450.00 440.00
163.5 163.5
4,250.00 4,749.99 4,500.00 331.50 0 495.00 10.00 341.50 0 505.00 495.00
181.7 181.7
4,750.00 5,249.99 5,000.00 368.30 0 550.00 10.00 378.30 0 560.00 550.00
199.8 199.8
5,250.00 5,749.99 5,500.00 405.20 0 605.00 10.00 415.20 0 615.00 605.00
218.0 218.0
5,750.00 6,249.99 6,000.00 442.00 0 660.00 10.00 452.00 0 670.00 660.00
236.2 236.2
6,250.00 6,749.99 6,500.00 478.80 0 715.00 10.00 488.80 0 725.00 715.00
254.3 254.3
6,750.00 7,249.99 7,000.00 515.70 0 770.00 10.00 525.70 0 780.00 770.00
272.5 272.5
7,250.00 7,749.99 7,500.00 552.50 0 825.00 10.00 562.50 0 835.00 825.00
290.7 290.7
7,750.00 8,249.99 8,000.00 589.30 0 880.00 10.00 599.30 0 890.00 880.00
308.8 308.8
8,250.00 8,749.99 8,500.00 626.20 0 935.00 10.00 636.20 0 945.00 935.00
327.0 327.0 1,000.0
8,750.00 9,249.99 9,000.00 663.00 0 990.00 10.00 673.00 0 0 990.00
345.2 1,045.0 345.2 1,055.0
9,250.00 9,749.99 9,500.00 699.80 0 0 10.00 709.80 0 0 1,045.00
10,249.9 363.3 1,100.0 363.3 1,110.0
9,750.00 9 10,000.00 736.70 0 0 10.00 746.70 0 0 1,100.00
10,250.0 10,749.9 381.5 1,155.0 381.5 1,165.0
0 9 10,500.00 773.50 0 0 10.00 783.50 0 0 1,155.00
10,750.0 11,249.9 399.7 1,210.0 399.7 1,220.0
0 9 11,000.00 810.30 0 0 10.00 820.30 0 0 1,210.00
11,250.0 11,749.9 417.8 1,265.0 417.8 1,275.0
0 9 11,500.00 847.20 0 0 10.00 857.20 0 0 1,265.00
11,750.0 12,249.9 436.0 1,320.0 436.0 1,330.0
0 9 12,000.00 884.00 0 0 10.00 894.00 0 0 1,320.00
12,250.0 12,749.9 454.2 1,375.0 454.2 1,385.0
0 9 12,500.00 920.80 0 0 10.00 930.80 0 0 1,375.00
12,750.0 13,249.9 472.3 1,430.0 472.3 1,440.0
0 9 13,000.00 957.70 0 0 10.00 967.70 0 0 1,430.00
13,250.0 13,749.9 490.5 1,485.0 1,004.5 490.5 1,495.0
0 9 13,500.00 994.50 0 0 10.00 0 0 0 1,485.00
13,750.0 14,249.9 1,031.3 508.7 1,540.0 1,041.3 508.7 1,550.0
0 9 14,000.00 0 0 0 10.00 0 0 0 1,540.00
14,250.0 14,749.9 1,068.2 526.8 1,595.0 1,078.2 526.8 1,605.0
0 9 14,500.00 0 0 0 10.00 0 0 0 1,595.00
14,750.0 15,249.9 1,105.0 545.0 1,650.0 1,135.0 545.0 1,680.0
0 9 15,000.00 0 0 0 30.00 0 0 0 1,650.00
15,250.0 15,749.9 1,141.8 563.2 1,705.0 1,171.8 563.2 1,735.0
0 9 15,500.00 0 0 0 30.00 0 0 0 1,705.00
15,750.0 99,999.0 1,178.7 581.3 1,760.0 1,208.7 581.3 1,790.0
0 0 16,000.00 0 0 0 30.00 0 0 0 1,760.00

Due Dates of Contributions


For Regular Employers
If the 10th digit of the 13-digit ER number ends in: Payment Deadline (following the applicable month)
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 last day of the month

For Household Employers, Self-Employed & Voluntary Members except OFW members
If the 10th (last) digit of the SS Number ends in: Payment Deadline [following the applicable month or quarter (for
SE/VM only), as the case may be]
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 last day of the month
For Employed members
It is important that you are aware of the payment deadlines for contributions and member loans in order to avoid
incurring penalties. If you are an employee-member, your employer must pay your contributions and member loans
monthly in accordance with the prescribed schedule of payment which is according to the 10th digit of the
Employer's ID Number. Late payments will result to penalties and delays in the processing of your benefits and
loans.
The frequency of payment is on a monthly basis for business and household employers.

For Self-employed and Voluntary members


If you are a self-employed or a voluntary member, the prescribed schedule of payment is also being followed,
(depending on the 10th (last digit) of the SE/VM SS number). However, the frequency of contribution payments for
self-employed or a voluntary member can be on a monthly or quarterly basis. A quarter covers three (3) consecutive
calendar months ending on the last day of March, June, September and December. Any payment for one, two or all
months for a calendar quarter may be made.

For OFWs
Payment of contributions for the months of January to December of a given year may be paid within the same year;
contributions for the months of October to December of a given year may also be paid on or before the 31st of
January of the succeeding year.

Due Dates of Loan Payments


For member loans, payment should be made monthly in accordance with the prescribed schedule of payment which
is according to the 10th digit of the SS ID/Number.

TYPE OF LOAN
Salary: A cash loan granted to an employed, currently paying self-employed or voluntary member it is intended to
meet the members short-term credit needs.

QUALIFYING CONDITIONS
An employed, currently paying self-employed or voluntary member who has six posted monthly contributions in the
last 12 months prior to the month of filing of loan application.
For one-month loan, the member must have 36 posted monthly contributions prior to the month of filing of loan
application.
For two-month loan, the member must have 72 posted monthly contributions prior to the month of filing of loan
application.
If employed, the members’ employer must be updated in contribution and loan remittances. The member must also
be updated in the payment of other loans with SSS.

AMOUNT OF BENEFIT
A one-month salary loan is equivalent to the average of the member-borrower's latest posted 12 monthly salary
credits, or amount applied for, whichever is lower.
A two-month salary loan is equivalent to twice the average of the member-borrower's latest posted 12 monthly
salary credits, rounded to the next higher monthly salary credit, or amount applied for, whichever is lower.
The loan shall be charged an interest rate of ten percent (10%) per annum until fully paid, based on diminishing
principal balance, and shall be amortized over a period of 24 months, If the loan is not fully paid at the end of the
term, interest shall continue to be charged on the outstanding principal balance until fully paid.
In case of default, the arrearages unpaid loan shall be deducted from the short-term benefits or from final claim
benefits of the member.
The loan can be renewed after payment of at least 50% of the original principal amount and at least 50% of the term
has lapsed.

EMPLOYEES COMPENSATION (EC) PROGRAM


The EC Program aims to assist those who suffer from work connected sickness or injury resulting in disability or
death. Starting June 1984, the benefits under the EC Program may be enjoyed simultaneously with benefits under
the Social Security Program, thus, allowing double compensation for covered members who suffer work-related
contingencies. All SSS-registered employers and their employees are compulsorily covered under the EC Program
and need not register again under the EC.

Important Reminders on Payment Deadlines


*Updated as of March 1, 2012
Effective June 2011, deadlines for payment of member Roans and contributions shall depend on the 10th digit of the
employer number and SS number of household employer, self-employed or the voluntary member (VM). (See
Tables below)
In case the deadline falls on a Saturday, Sunday or holiday payment may be made on the next working day.
Penalties shall be imposed on late contribution and member loan payments of employers including household
employers and late member loan payments of
OFWs. Late contribution payments of SE and VM shall be applied prospectively
For OFWs, payments for January to December contributions may be made anytime during the applicable year,
October to December contributions may also be paid until January 31st of the following year.

FOR MONTHLY CONTRIBUTION PAYMENTS (EMPLOYER/HR/SE/VM)


Applicable Payment Deadline
Month Takdang Kung ang 10th digit ng SS number ay
(Buwang Buwan ng 1 or 2 3 or 4 5 or 6 7 or 8 9 or 0
Binabayaran) Pagbabayad
January February 10 15 20 25 last day
February March 10 15 20 25 last day
March April 10 15 20 25 last day
April May 10 15 20 25 last day
May June 10 15 20 25 last day
June July 10 15 20 25 last day
July August 10 15 20 25 last day
August September 10 15 20 25 last day
September October 10 15 20 25 last day
October November 10 15 20 25 last day
November December 10 15 20 25 last day
December January (ff 10 15 20 25 last day
yr)

FOR QUARTERLY CONTRIBUTION PAYMENTS


(SEWM ONLY)
Applicable Payment Deadline
Quarter Takdang Kung ang 10th digit ng SS number ay:
(Quarter na Buwan ng 1 or 2 3 or 4 5 or 6 7 or 8 9 or 0
Binabayaran) Pagbabayad Araw ng Deadline
1st quarter April 10 15 20 25 last day
(Jan-Mar)
2nd quarter Jul 10 15 20 25 last day
(Apr-Jun)
3rd quarter Oct 10 15 20 25 last day
(Jul-Sep)
4th quarter Jan (ff yr) 10 15 20 25 last day
(Oct-Dec)

WHERE TO PAY?
OVER-THE COUNTER (OTC)
For Voluntary, self-employed, Household Employer & Corporate Payments:
 SSS Tellering Counters
 Accredited Banks
 Post Office
 Bayad Centers
 SM Business Centers

ELECTRONIC PAYMENT (E-PAYMENT)


For Corporate Payments:
 Bancnet
 Banco de Oro
 BPI Expresslink
 Union Bank One Hub
 Security Bank

AUTOMATIC DEBIT ARRANGEMENT (ADA) WITH ACCREDITED BANKS


For Voluntary, self-employed, & Household Employer Payments:
 Banco de Oro
 Bank of the Philippine Islands
 First Consolidated Bank
 Metrobank
 Philippine National Bank
 Philippine Savings Bank
 United Coconut Planters Bank
 Country Builders Bank

For OFW Payments


Overseas:
 Branches subsidiaries or remittance tie-ups of accredited collecting banks
 I-Remit online branches
 PNB overseas Bills Payment Service
 Ventaja online outlets
 Lucky Money online branches
 AUB Gintong Hatid
 BDO Remit services
 BOC sikap Pinoy
 Sky Freight

Local:
 sss Tellering Counters
 Accredited local banks
 Bayad Centers
 SM Business Centers
 Bancnet online payment (www.bancnetonline.com)
 Automatic Debit Arrangement with accredited local banks.
 Thru registered mall

www.sss.gov.ph
Email: member_relations@sss.gov.ph
Tel.Nos.: 920-6446 to 55, 917-7777
Facebook/SSSPH
Text:SSS@2600
Youtube.com/MysssPhilippines
Twitter: #PHLSSS

AMOUNT OF QUALIFYING CONDITIONS TYPE OF BENEFIT


BENEFIT
Sickness  The amount of the member’s  The member is unable to work due to
A daily cash allowance daily sickness benefit allowance sickness or injury and is confined either in
paid for the number of is equivalent to ninety percent a hospital or at home for at least four days;
days a member is (90%) of his/her average daily  He/she has paid at least three months of
unable to work due to salary credit. contributions within the 12-month period
sickness or injury.  The Sickness Benefit is granted immediately before the semester of
up to a maximum of 120 days in sickness;
one calendar year.  He/she has used up all company’s leaves
with pay for the current year and has duly
notified his/her employer.
 He/she must notify the SSS directly by
filing a sickness benefit application if
he/she is separated from employment, a
voluntary or self-employed member.
Maternity  The amount of the daily  The member has paid at least three months
A daily cash allowance Maternity Benefit allowance is of contributions within the 12-month
granted to a female equivalent to 100 percent of the period immediately before the semester of
member who is unable member's average daily salary her childbirth or miscarriage.
to work due to credit multiplied by 60 days for  If employed, she must have given
childbirth or normal delivery/ miscarriage/ notification of her pregnancy through her
miscarriage. ectopic pregnancy without employer.
operation/ hydatidiform mole (H-  She must directly notify the SSS if she is
mole) and 78 days for caesarian separated from employment, a voluntary or
section delivery/ectopic self-employed member.
pregnancy with operation.
 The Maternity Benefit is granted
up to the first four deliveries or
miscarriages only.
Disability  If qualified, the member is  The member has paid at least one-month
A cash benefit granted- granted a monthly Disability contribution before the semester of
either as a monthly Pension, plus a P500 monthly disability.
pension or a lump sum Supplemental Allowance.  To qualify for disability pension, the
amount to a member  The minimum monthly Disability member must have paid at least 36
who becomes Pension is P1,000 if the member monthly contributions prior to the semester
permanently disabled, has less than ten (10) credited of disability
either partially or years of service (CYS); P1,200 if  If with less than 36 monthly contributions,
totally. with at least 10 CYS: and P2,400 he/she is granted a lump sum amount.
if with at least 20 CYS.
Retirement  If qualified, the member is  The member is at least 60 years old
A cash benefit granted granted a monthly Retirement (optional retirement), separated from
either as a monthly Pension, plus a 13th Month employment or has ceased to be self-
pension or a lump sum Pension payable every December. employed; and had paid at least 120
amount-to a member  If the member has dependent monthly contributions prior to the semester
who can no longer minor children, they are given a of retirement; OR
work due to old age Dependent's Pension equivalent  The member is 65 years old (mandatory
to ten percent (10%) of the retirement), whether employed or not, and
member's monthly pension or had paid at least 120 monthly contributions
P250, whichever is higher. Only prior to the semester of retirement.
five (5) minor children, beginning  If with less than 120 monthly
from the youngest, are entitled to contributions, he/she is granted a lump sum
Dependent's Pension. No amount.
substitution is allowed.
 The minimum monthly
Retirement Pension is P1,200 if
the member has 120 monthly
contributions or with at least ten
(10) credited years of service
(CYS): P2,400 if with at least 20
CYS.
Death  If qualified, the member’s  A monthly Death Pension is granted to the
A cash benefit granted- primary beneficiary is granted a member’s primary beneficiary spouse until
either as a monthly monthly Death Pension, plus a he/she remarries, and dependent legitimate,
pension or a lump sum 13th Month Pension payable or legally adopted, and illegitimate
amount-to the every December. children) of the deceased member who had
beneficiaries of a  If the member has dependent paid at least 36 monthly contributions prior
deceased minor children, they are given a to the semester of death.
Funeral Dependent's Pension equivalent  A lump sum amount is granted to the
A variable amount to ten percent (10%) of the primary beneficiary of the deceased
ranging from a primary beneficiary's monthly member who has paid less than 36 monthly
minimum of P20,000 pension or P250, whichever is contributions before the semester of death.
to a maximum of higher. Only five (5) minor  If there are no primary beneficiaries, the
P40,000, depending on children, beginning from the member’s secondary beneficiaries
the member's number youngest, are entitled to (dependent parents) shall be given a lump
of contributions and Dependent's Pension. No sum amount.
average monthly salary substitution is allowed.
credit (AMSC),  The minimum monthly Death
granted to whoever Pension is P1,000 if the member
paid for the burial has less than ten (10) credited
expenses of the years of service (CYS): P1,200 if
deceased member. with at least 10 CYS; and P2,400
if with at least 20 CYS

SSS Notes

Rate of Contributions to SSS


The monthly contributions are based on the compensation of members (Please see table on the last page). The
current SSS contribution rate is 11% of the monthly salary credit not exceeding P16,000 and this is being shared by
the employer (7.37%) and the employee (3.63%).
Self-employed and voluntary members pay the 11% of the monthly salary credit (MSC) based on the monthly
earnings declared at the time of registration.
For OFWs, the minimum monthly salary credit is pegged at P5,000.
For the non-working spouse, the contribution will be based on 50% of the working spouse’s last posted monthly
salary credit but in no case, shall it be lower than P1,000.

Due Dates of Contributions


For Regular Employers
If the 10th digit of the 13-digit ER number ends in: Payment Deadline (following the applicable month)
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 last day of the month

For Household Employers, Self-Employed & Voluntary Members except OFW members
If the 10th (last) digit of the SS Number ends in: Payment Deadline [following the applicable month or quarter (for
SE/VM only),]
1 or 2 10th day of the month
3 or 4 15th day of the month
5 or 6 20th day of the month
7 or 8 25th day of the month
9 or 0 last day of the month

For Employed members


It is important that you are aware of the payment deadlines for contributions and member loans to avoid incurring
penalties. If you are an employee-member, your employer must pay your contributions and member loans monthly
in accordance with the prescribed schedule of payment which is per the 10th digit of the Employer's ID Number.
Late payments will result to penalties and delays in the processing of your benefits and loans.
The frequency of payment is monthly for business and household employers.

For Self-employed and Voluntary members


If you are a self-employed or a voluntary member, the prescribed schedule of payment is also being followed,
(depending on the 10th (last digit) of the SE/VM SS number). However, the frequency of contribution payments for
self-employed or a voluntary member can be on a monthly or quarterly basis. A quarter covers three (3) consecutive
calendar months ending on the last day of March, June, September and December. Any payment for one, two or all
months for a calendar quarter may be made.

For OFWs
Payment of contributions for the months of January to December of a given year may be paid within the same year;
contributions for the months of October to December of a given year may also be paid on or before the 31st of
January of the succeeding year.

Due Dates of Loan Payments


For member loans, payment should be made monthly in accordance with the prescribed schedule of payment which
is per the 10th digit of the SS ID/Number.

TYPE OF LOAN
Salary: A cash loan granted to an employed, currently paying self-employed or voluntary member it is intended to
meet the members short-term credit needs.

QUALIFYING CONDITIONS
An employed, currently paying self-employed or voluntary member who has six posted monthly contributions in the
last 12 months prior to the month of filing of loan application.
For one-month loan, the member must have 36 posted monthly contributions prior to the month of filing of loan
application.
For two-month loan, the member must have 72 posted monthly contributions prior to the month of filing of loan
application.
If employed, the member’s employer must be updated in contribution and loan remittances. The member must also
be updated in the payment of other loans with SSS.

AMOUNT OF BENEFIT
A one-month salary loan is equivalent to the average of the member-borrower's latest posted 12 monthly salary
credits, or amount applied for, whichever is lower.
A two-month salary loan is equivalent to twice the average of the member-borrower's latest posted 12 monthly
salary credits, rounded to the next higher monthly salary credit, or amount applied for, whichever is lower.
The loan shall be charged an interest rate of ten percent (10%) per annum until fully paid, based on diminishing
principal balance, and shall be amortized over a period of 24 months, If the loan is not fully paid at the end of the
term, interest shall continue to be charged on the outstanding principal balance until fully paid.
In case of default, the arrearages unpaid loan shall be deducted from the short-term benefits or from final claim
benefits of the member.
The loan can be renewed after payment of at least 50% of the original principal amount and at least 50% of the term
has lapsed.

EMPLOYEES COMPENSATION (EC) PROGRAM


The EC Program aims to assist those who suffer from work connected sickness or injury resulting in disability or
death. Starting June 1984, the benefits under the EC Program may be enjoyed simultaneously with benefits under
the Social Security Program, thus, allowing double compensation for covered members who suffer work-related
contingencies. All SSS-registered employers and their employees are compulsorily covered under the EC Program
and need not register again under the EC.

Important Reminders on Payment Deadlines


*Updated as of March 1, 2012
Effective June 2011, deadlines for payment of member Roans and contributions shall depend on the 10th digit of the
employer number and SS number of household employer, self employed or the voluntary member (VM). (See
Tables below)
In case the deadline falls on a Saturday, Sunday or holiday payment may be made on the next working day.
Penalties shall be imposed on late contribution and member loan payments of employers including household
employers and late member loan payments of
OFWs. Late contribution payments of SE and VM shall be applied prospectively
For OFWs, payments for January to December contributions may be made anytime during the applicable year,
October to December contributions may also be paid until January 31st of the following year.

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