How to Compute SSS Pension


SSS Pension is intended for private sector, self-employed or volunteer contributors who have paid at least 120 months of contribution.

After this period, the member may request his retirement pension.

To understand how this works, it is necessary to consider that there are two types of benefits for retirement.

The member can check his/her contributions by the website itself. To learn how, click on How to Check SSS Contribution and check it out!

The monthly pension is the most common.

This is a lifetime receipt that a retired SSS is entitled.

There is also the Lumpsum amount. This is for retired who have not contributed 120 months.

In this case, the member will receive the equivalent value of what was paid by the employer plus interest.

SSS members can check all pension and benefit modalities on the website.

If you don’t have a record yet, click How to register Online in SSS.

For more information as to how SSS retirement computation is done, read below:


SSS Pension Calculator

The SSS website provides a tool to members so they can estimate Retirement Benefit.

By accessing it, you just have to enter your date of birth, the month and year you started contributing to SSS and your earnings/monthly salary.

You must enter the displayed code and advance.

On the next page, you will have access to the SSS pension computation and stipulated value for your requirement benefit.

Qualifying Conditions to Receive SSS Pension

To be able to receive retirement pensions by SSS and to know how to compute SSS Pension, it is necessary for the member to fit into the qualifications.

Only in this way, can you receive your retirement and enjoy the pensions.

Check the criteria to be able to receive reimbursement of contributions:

  • You are 65 years old, whether employed or not, and has paid at least 120 monthly contributions prior to the semester of retirement;
  • If you are 60 years old, separated from employment or ceased to be self-employed;
  • You have to pay at least 120 monthly contributions prior to the semester of retirement.

Underground Mineworkers:

  • Aged 55 years old;
  • Underground mineworker for at least 5 years (either continuous or accumulated) prior to the semester of retirement;
  • Separated from employment or has ceased self-employment;
  • You pay at least 120 monthly contributions;
  • Aged 60 years old, whether employed or not, and has paid at least 120 monthly contributions.

SSS Death Claim Processing Time

The pay per death used to take 62 days of processing. From 2017 onwards, it started to take 28 days.

Currently, the estimate is that the processing lasts about 18 days.

Types of Death Benefits

There are currently 2 types of benefit per death.

The first is the monthly allowance! This is intended for the SSS beneficiary of a member.

For this, it is necessary that a member has paid at least 36 months of contribution before the death.

The second type is the Lump Sum Amount.

This is intended for the beneficiaries of a member who has contributed at least 36 months of prior contribution to the death.

However, the beneficiaries receive a lump sum.


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