Organization : Republic of the Philippines
Portal : Social Security System (SSS)
Facility : Disability Benefit
Country : Philippines
Website : https://www.sss.gov.ph/disability-benefit/
What is SSS Disability Benefit?
SSS adopts the World Health Organization’s (WHO) definition of disability as ”any restriction or lack (resulting from impairment) of ability to perform an activity in the manner or within the range considered normal for a human being”. Disability Benefit is a cash benefit granted either as a monthly pension or lump sum amount to a member who becomes permanently disabled, either totally or partially.
Related / Similar Facility : SSS Philippines Maternity Benefit
Who Can Apply For SSS Disability Benefit?
A member who suffers from partial or permanent total disability, with at least one (1) monthly contribution paid to the SSS prior to the semester of contingency, may qualify to the benefit.
Permanent Partial Disabilities – a complete and permanent loss o r use of any of the following body parts:
** One thumb
** One index finger
** One middle finger
** One ring finger
** One little finger
** One big toe
** One hand
** One arm
** One foot
** One leg
** One ear
** Both ears
** Hearing of one ear
** Hearing of both ears
** Sight of one eye
Removal of the following female generative organs are also considered permanent partial disabilities, provided that the female member must be below 45 years old at the time of operation to be entitled to any award (Per SSC Res#1433):
** Loss of uterus alone
** Loss of uterus and one ovary
** Loss of uterus and both ovaries
** Loss of one ovary
** Loss of both ovaries
Permanent Total Disabilities – a complete and permanent loss of the following:
** Complete loss of sight of both eyes
** Loss of two limbs at or above the ankles or wrists
** Permanent complete paralysis of two limbs
** Brain injury resulting to incurable imbecility or insanity
** Such cases as determined and approved by the SSS
Types of Disability Benefit
** Monthly Pension – It is a cash benefit paid to a disabled member who has paid at least 36 monthly contributions to the SSS prior to the semester of disability.
** Lump Sum Amount – Lump sum amount is granted to members who have not met the required 36 monthly contributions to qualify for pension. If the disability benefit is assessed as payable for less than 12 months, it is also given in lump sum.
Monthly Pension:
** The amount of the monthly pension will be based on the member’s number of paid contributions, monthly salary credit and the years of membership prior to the semester of contingency.
** The minimum monthly disability pension is P1,000 for members with less than 10 credited years of service (CYS); P1,200 if with at least 10 CYS and P2, 400 if with at least 20 CYS.
Lump Sum Amount :
There are two basic formula for calculating the lump sum amount.
** For permanent total disability, the lump sum benefit is equivalent to the monthly pension multiplied by the number of monthly contributions paid to the SSS prior to the semester of contingency, or twelve (12) times the monthly pension, whichever is higher.
** For permanent partial disability, the lump sum is equivalent to the monthly pension multiplied by the number of monthly contributions, prior to the semester of contingency, multiplied by the percentage of disability in relation to the whole body; or the monthly pension times 12 times the percentage of disability, whichever is higher.
For example, the Member’s degree of disability is determined to be 20% of the body and the number of contributions paid by the Member is equivalent to 24 months prior to the semester of contingency:
** P1,000 (monthly pension) x 24 (monthly contributions) x 20% (percentage of disability) = P4,800; or
** P1,000 (monthly pension) x 12 x 20% (percentage of disability) = P2,400
The lump sum benefit to be given to the Member would be P4,800, which is the higher amount based on the two computations
How To Apply For Disability Benefit?
Application for disability benefit must be filed at any SSS branch within ten (10) years from the occurrence of Disability. In cases where the Medical Specialist is not available due to unforeseen events, or there is no permanently assigned Medical Specialist in the branch, the Senior Clerk/Junior Nurse shall receive and screen the claim application, and advice the member/representative to verify the status of the claim online. The Medical Specialist may conduct further verification and physical examination through Medical Fieldwork Service.
In the meantime, and in consideration of the Alert Level status of the community in view of the COVID-19 pandemic, applications for Disability Benefit may be filed via Dropbox in all SSS branches nationwide. All documents and valid IDs must be photocopied and submitted in an enclosed envelope with the member’s complete name and contact details written outside. A notice will be sent to the provided contact information upon evaluation of the submitted application.
Basic Documents:
** Disability Claim Application (DisCA) Form (downloadable at www.sss.gov.ph)
** Member’s/Claimant’s Photo and Signature Form (provided by the SSS Branch for initial claims only)
** SSS Medical Certificate Form accomplished by attending physician within six (6) months from the date of filing of claim
** Supporting medical records (certified true copy)
** Member or Filer’s SS card or other valid ID cards/documents such as:
Primary ID Cards/Documents:
** Social Security (SS) card
** Unified Multi-Purpose Identification (UMID) card
** Valid Passport
** Driver’s License
** Voter’s ID
** National Bureau of Investigation (NBI) Clearance
** Postal ID
** National ID
** Any government-issued ID cards/documents