How to avail of your SSS benefits

How to avail of your SSS benefits
A while back I posted about why you need SSS if you want to improve your financial future. I still don't think it's a great investment by itself. But being an SSS member does let you have access to bank products.

In addition, SSS benefits are still useful, even if not nearly enough to rely on. But while I mentioned before what benefits are available, I left off how you can avail of them.

And I thought that info might be useful, since there's a lot of bureaucracy involved. At the very least you'll need your SSS ID, pay your contributions, and go to the nearest SSS branch. However, depending on the benefit, there are numerous forms and documents to submit.

One good news is that forms can be downloaded from the SSS website, which should lessen the time you have to spend queuing at the SSS branch.

Maternity Benefit


How to be eligible:

  • have to be female
  • paid at least 3 monthly contributions of the last 12 months
  • notify SSS of the pregnancy (through employer or directly to SSS)

How to apply/What to submit:

  • Maternity notification form
  • ultrasound report
  • SSS ID (or 2 other valid IDS with signature, at least one with photo and date of birth)
  • Maternity reimbursent form
  • certified/authenticated copy of the birth certificate
(stillborn, miscarriage, and even abortion is also covered. But there's a different requirement for that)

Sickness Benefit


How to be eligible:

  • Unable to work due to sickness or injury for 4 days (confined in hospital or at home)
  • paid at least 3 monthly contributions of the last 12 months
  • Used up all company sick leaves with pay
  • Notify employer or SSS directly of sickness benefit application

How to apply / what to submit:

  • SSS ID (or 2 other valid IDS with signature, at least one with photo and date of birth)
  • Certified true copy of pertinent medical records
  • Sickness notification (SS Form CLD-9N; for employees only)
  • Sickness Benefit Application form (SS Form CLD-9A; for unemployed, self-employed or voluntary members only)
  • Medical Certificate (SS Form MMD-102)

Disability Benefit


How to be eligible:

  • Partial or total disability (essentially loss of senses, limbs or digits)
  • paid at least 1 monthly contributions in the last 6 months before suffering the disability

How to apply / what to submit:

  • SSS ID (or 2 other valid IDS with signature, at least one with photo and date of birth)
  • Disability Claim Application (SSS Form DDR-1) 
  • Medical Certificate (SS Form MMD-102)
  • Pertinent hospital or medical records
  • Member's photo and signature form

*you'll also need to submit docs to validate the bank account the pension will be deposited to and also proof of affiliation for your dependents (if they'll be the ones receiving the pension for you)

Retirement Benefit


How to be eligible:

  • Paid at least 120 monthly contributions (essentially 10 years) 6 months before retirement
  • 60 years old and not employed OR 65 years old

How to apply / What to submit:

  • SSS ID (or 2 other valid IDS with signature, at least one with photo and date of birth)
  • Retirement Claim Application
  • DDR Signature Card
  • DDR Savings Account form
  • Certificate of Separation from last employer (if member is less than 65 years old)
  • photocopy of Passbook or ATM Card (if pension); submit account number to SSS and present the original for authentication purposes.
  • Certified true copies of birth or baptismal certificate of dependent children;
  • Certified of cessation of business or practice of profession (for self-employed members who are less than 65 years old);
  • Certified true copy of marriage certificate
  • Proofs of filiation for illegitimate dependent children

Death Benefit


How to be eligible:

  • Paid at least 36 months of contributions; you beneficiaries get a pension
  • Less than 36 months and they get a lumpsum instead.

How to apply / What to submit:

  • Death Claim Application (SSS Form DDR-1)
  • Affidavit of Death Benefit, if claimant is secondary beneficary (SSS Form CLD-1.3A)
  • Filer's Affidavit (Sinumpaang Sanaysay)
  • Joint Affidavit of Two Disinterested Persons, if claimant is legal heir or designated beneficiary (SSS Form CLD-1.3)
  • Application for Appointment as Representative Payeee, if claimant is guardian (SSS Form CLD-15)
  • Report of Death (SSS Form BPN-105), if death is work-related
  • Claimant's photo, signature form and valid IDs
  • If claimant is spouse of the deceased, marriage certificate and birth certificates of minor children (duly certified by LCR/NSO)
  • If single, the deceased member's birth certificate and marriage certificate of parents (duly certified by LCR/NSO)
  • Certified true copy of deceased member's death certificate
    • certified/issued by LCR/NSO, if member died in the Philippines
    • issued by vital statistics/census office or equivalent agency and certified by the Philippine 
  • Embassy/Consultat, if member died abroad
  • For pension - Single savings account passbook or ATM card with validated deposit slip or Cash Card Enrollment Form (photocopy and presentation of original for validation)

Funeral Benefit


How to be eligible:

  • paid at least 1 monthly contribution (if self-employed, OFW, or non-working spouse) 
  • or at least reported for coverage by employer (if employed or separated from employer)

How to apply / What to submit:

  • Claim for Funeral Benefit (SSS Form BPN-103)
  • Filer's Affidavit (Sinumpaang Sanaysay)
  • Death certificate duly certified by the Local Civil Registrar
  • Official Receipt of payment issued by the funeral parlor
  • Affidavit of funeral expenses
  • Photo of filer and valid IDs 

For more details, you can check out the official SSS website.




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