Social Security System
What is Social Security System (SSS)?
The SSS is a social insurance institution. It provides and administers a pension fund for workers in the private sector that has the following social security benefits: sickness, retirement, maternity, disability, death, funeral, and employee’s compensation.
(Source: SSS website)
SSS Programs for Overseas Filipinos
As SSS members, overseas Filipinos have access to a two-tiered social security protection:
- Regular Coverage Program(since August 1995), which is a voluntary defined-benefit social insurance scheme, serving as a safety net in times of contingencies; and
- Flexi-fund Program(since July 2001), which is a voluntary defined-contribution, individual-account scheme, serving as a tax-exempt pension-savings plan on top of the regular coverage program.
Regular Coverage Program
The program is open to all overseas Filipinos, not over 60 years old, who have been recruited in the Philippines by foreign-based employers for work abroad, or may have legitimately gained entry in a foreign country and are eventually employed. Coverage takes effect upon registration and payment of first contribution.
Don’t have an SSS account yet?
-OR-
OVER-THE-COUNTER REGISTRATION
1. Fill out a Personal Record Form (SSS Form E-1) or receive one from any nearest SSS branch/ foreign office.
2. Bring a copy of your Birth Certificate. In its absence, submit a copy of any of the following: (1) Baptismal Certificate, (2) Driver’s License, (3) Passport, (4) Professional Regulation Commission (PRC) card, OR (5) Seaman’s Identification and Record Book
3. Submit the requirements at any of the nearest SSS Branch/ Foreign Office.
CONTRIBUTION
The contribution is based on the member’s monthly salary credit (MSC), which is determined by the monthly earnings declared at the time of registration, computed in Philippine pesos in the case of overseas Filipinos. The monthly contribution amount is computed by multiplying the member’s MSC with the prevailing SSS contribution rate.
BENEFITS
The SSS provides long-term and short-term benefits to members, subject to qualifying conditions. Benefits are closely linked to contributions, with the minimum monthly pension guaranteed. Higher contribution amount and longer contribution service translate to higher benefits to meet future needs.
LONG TERM BENEFITS
SHORT TERM BENEFITS
To further understand the value of SSS membership, read “The Value of SSS Membership” and “Summary of SSS Benefits”.
LOANS
Apply for a Loan
The SSS extends loan privileges to members and as with SSS benefits, the loanable amount is based on the member’s contribution amount and service.
SSS Foreign Offices
To reach out to overseas Filipinos and promote its programs, the SSS has established the following foreign representative offices, mostly housed at Philippine Embassies or Consulates:
ASIA | EUROPE | NORTH AMERICA | MIDDLE EAST |
Brunei | Jordan | Calgary | Abu Dhabi |
Hong Kong | London | Los Angeles | Al Khobar |
Kaohsiung | Madrid | New York | Bahrain |
Kuala Lumpur | Milan | San Francisco | Doha |
Macau | Rome | Toronto | Dubai |
Taipei | Vancouver | Jeddah | |
Kuwait | |||
Muscat | |||
Riyadh | |||
Tel Aviv |
Overseas Payment Channels
The SSS accredits banks and non-bank remittance agents for the collection of payments of overseas Filipinos through their electronic payment (e-Payment) facilities.
My.SSS portal in the SSS Web
My.SSS is an online service portal that allows SSS members exclusive access to their contributions and membership records, make online transactions, set appointments with their SSS servicing branch, and request copies of their records, as needed.
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