What to Know About SSS Membership

The Social Security System (SSS) in the Philippines is a cornerstone of financial security for individuals earning their living in the private sector. It includes social protection for a diverse group of members: employed individuals, entrepreneurs, voluntary members, overseas Filipino workers (OFWs), and non-working spouses. Once a person registers, they become a lifelong member, making monthly contributions based on their income, and in turn, they gain access to a range of benefits. These benefits are designed to provide support during times of sickness, maternity, disability, and retirement, along with a safety net in the unfortunate event of death.

The significance of this membership extends beyond individual protection to foster a wider social safety net. Anchored by Republic Act No. 8282, the program is a testament to the country’s commitment to the welfare of its workers, ensuring they are prepared for unforeseen circumstances that could affect their income. As of 2023, over 34 million members are part of this social security umbrella, with contributions creating a fund that dispenses benefits such as pensions, disability payments, and financial aid during emergencies. This not only contributes to the financial security of Filipino workers and their families but also upholds social justice by diminishing the risks of poverty.

sss membership
Credits: SSS / Facebook

What is SSS Membership?

SSS membership offers social protection for individuals in the private sector, self-employed individuals, voluntary members, OFWs, and non-working spouses. Once registered, you become a lifelong member. Your monthly contribution is determined by your salary, and as an employed member, you are eligible for a range of benefits including sickness, maternity, disability, retirement, and death benefits, as well as access to loans and other programs from the agency.

Significance of the Membership Program

The SSS Membership Program, established under Republic Act No. 8282, serves an important part in social security for Filipino workers. By mandating contributions from both employers and employees (or self-employed individuals in some cases), it safeguards millions against unforeseen circumstances. Data from the agency indicates over 34 million members in 2023. These contributions fund a social safety net, providing benefits like pensions upon retirement, disability payments in case of injury or illness, and financial aid for emergencies like maternity leave or a family member’s death. This program fosters social justice by promoting financial security and reducing poverty risks for Filipino workers and their families.

Legal Basis

The SSS was established under Republic Act No. 1161, known as the Social Security Act of 1954, and later amended by Republic Act No. 8282 in 1997. This legal foundation mandates that all income-earning individuals in the private sector, regardless of their employment status, must be covered by the agency.


SSS membership offers a suite of benefits to its members, including but not limited to:

  • Sickness Benefit: Financial assistance for members unable to work due to sickness or injury.
  • Maternity Benefit: Cash allowance for childbirth or miscarriage.
  • Retirement Benefit: Members can opt for a monthly pension or a lump sum payment upon retirement.
  • Disability Benefit: Monthly pension for members who suffer a permanent disability.
  • Death and Funeral Benefit: Cash benefit for the beneficiaries of a deceased member, plus a funeral grant.

Eligibility / Qualifications

All employed individuals in the private sector, self-employed persons, and voluntary members including OFWs and non-working spouses are eligible for membership, provided they are earning at least ₱1,000 per month.


To apply for SSS membership, you’ll need a birth certificate or any of the following valid documents if a birth certificate is unavailable:

  • Driver’s License
  • Passport
  • Professional Regulation Commission (PRC) card
  • Other acceptable IDs listed on the SSS website

Step-by-Step Guide on How to Benefit from SSS

  1. Registration: Sign up for an SSS number online at the agency’s official website. Follow the registration process by filling out the necessary forms and submitting the required documents.
  2. Contribution: Begin making monthly contributions based on your income bracket. Ensure your contributions are regularly updated to maintain eligibility for benefits.
  3. Application for Benefits: When eligible for a specific benefit, apply through their website or visit your nearest SSS branch. Submit all required documents as specified for the benefit you are claiming.
  4. Claim Processing: Wait for the SSS to process your claim. This may take several weeks depending on the type of benefit.
  5. Receiving Benefits: Once approved, benefits will be disbursed through your registered bank account with the agency.

Recent Updates

#eSSSkwela Webinar Episode 1: Your Guide to SSS Membership and SS Number Application

In case you missed it, the first episode of the 2024 #eSSSkwela Webinar series is here to answer all your questions about SSS membership and SS number application. Learn how to easily obtain your SS number and become a member. Watch this video to revisit Part 1 of the webinar for a comprehensive guide.

SSS Membership Expansion Program Provides Social Security Protection to Government Workers

Over half a million government workers under job order (JO) and contract of service (COS) employment status, who were previously not covered by the Government Service Insurance System (GSIS), can now enjoy social security protection through the SSS membership expansion program. SSS President and Chief Operating Officer (PCEO) Rolando Ledesma Macasaet initiated this program, which not only improves the financial standing of the state pension fund but also fulfills its mandate to provide social security protection to as many Filipinos as possible, according to SSS Executive Vice President for Branch Operations Sector Voltaire P. Agas.

SSS Branches Exceed Coverage Targets: Recognizing Outstanding Achievements

SSS President and CEO Rolando Ledesma Macasaet commends top 5 branches for exceeding coverage targets in January 2024. SSS Bago Branch led the way with a remarkable 658% surpassing of their target, followed by their offices in Talisay, Pasay CCP Complex, Mandaue, and Cebu-NRA. These branches played a significant role in achieving 5% of the target and registering 3% of the total new members. The SSS Management recognizes their dedication to expanding membership coverage, particularly among the self-employed and informal sector.

SSS Pension Loan Goes Digital

SSS retiree-pensioners can now rejoice as the agency’s Pension Loan application process is available online. Eligible pensioners can apply for a loan of up to ₱200,000, which can be repaid over 6, 12, or 24 months, with an annual interest rate of 10% – all from the comfort of their home. This new online service streamlines access to financial assistance for retirees without the need to visit a physical branch.



In this video, the vlogger discusses the Philippine Social Security System and its coverage for overseas Filipinos. According to Section 9-b of RA 11199, SSS membership is compulsory for all sea-based and land-based OFWs, provided they are not over 60 years old. The benefits include retirement, death, disability, funeral, sickness, and maternity. Permanent migrants, including immigrants, residents, and naturalized citizens of their host countries, may also be covered on a voluntary basis. This video emphasizes the importance of maintaining SSS membership and highlights the convenience of the SSS mobile app for online transactions. Watch the entire video below to learn more.



Your SSS membership is more than just a monthly deduction from your salary; it’s a lifeline in times of need and a foundation for your financial security. By staying informed and actively participating in the SSS program, you’re investing in your future and ensuring that you and your family are protected against life’s uncertainties. Remember, the key to maximizing your SSS benefits lies in understanding your rights and responsibilities as a member. Keep your contributions updated, be aware of the benefits you’re entitled to, and take proactive steps to secure your welfare and that of your loved ones through the SSS.

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