The Social Security System (SSS) provides retirement, sickness, maternity, disability and death benefits, plus loans, for private-sector employees, self-employed and voluntary members, and OFWs.
Contribution (2026):
- 15% of your Monthly Salary Credit (MSC), which runs from ₱5,000 to ₱35,000
- Employees pay 5%; employers pay 10% (plus a small Employees' Compensation charge)
- Self-employed, voluntary and OFW members pay the full 15%
- Contributions on MSC above ₱20,000 go to the MySSS Pension Booster (mandatory provident fund)
See the SSS contribution table for amounts by bracket.
Benefits:
- Retirement pension (at 60 if you've stopped working, or at 65), with at least 120 monthly contributions for a monthly pension
- Sickness, maternity, disability and death benefits
- Salary and calamity loans for qualified members
What it means for you:
- Check your contribution record in your My.SSS account regularly
- Higher MSC means higher contributions and higher benefits