As an Overseas Filipino Worker (OFW), you’re focused on creating a stable and secure future for your family.
But have you taken steps to secure your own well-being?
The Social Security System (SSS) offers the OFW Coverage Program to support individuals like you who are working hard abroad.
This program provides financial benefits and loan opportunities designed to assist you in times of need.
From retirement pensions to maternity support and even emergency loans, this program is your trusted companion on your journey to success.
Contributions aren’t just payments—they’re an investment in your safety net for tomorrow.

Who Can Join the SSS OFW Coverage Program?
This program welcomes all OFWs, whether you’re working on land or at sea.
For land-based workers, you’re classified as self-employed under SSS rules.
Sea-based OFWs have manning agencies acting as employers to handle their contributions.
Even if you’re a permanent resident or a citizen of another country, you can still voluntarily enroll to continue your membership.
You can also keep contributing to SSS even after completing your overseas employment.
This program is your opportunity to build financial security while working abroad.
How to Register
Joining the program is easier than ever.
You can apply for an SS number online through the SSS website or mobile app.
These platforms allow you to register anytime, anywhere.
By going digital, you save time and effort—perfect for busy OFWs like you.
Once registered, you can begin contributing and start enjoying the benefits that come with membership.
How Much Should You Contribute?
Your monthly contributions depend on the income you declare during registration.
The minimum Monthly Salary Credit (MSC) for land-based OFWs is ₱8,000, but higher contributions lead to better benefits.
Payment flexibility is another perk—you can pay monthly, quarterly, or even in advance.
Several payment channels are available to make the process smooth and convenient.
Short-Term Benefits for OFWs
As an SSS member, you gain access to financial assistance during life’s unexpected moments:
- Sickness Benefit
If you fall ill and can’t work, you can claim ₱480 per day for up to 120 days a year. - Maternity Benefit
Female members can receive up to ₱70,000 during pregnancy and childbirth. - Unemployment Benefit
If you lose your job, you may receive 50% of your average monthly salary for two months. - Funeral Benefit
Your family can receive ₱20,000 to ₱40,000 to help cover funeral expenses.
These benefits are designed to provide comfort during challenging times.
Long-Term Benefits for Your Future
Planning for the future?
The SSS OFW Coverage Program has you covered with long-term financial support:
- Retirement Benefit
- A monthly pension ranging from ₱2,000 to ₱20,000, depending on your contributions.
- Or opt for a lump sum if you haven’t reached the required contributions.
- Disability Benefit
- Partial or total disability is supported with a monthly pension starting at ₱1,000, or a lump sum based on contributions.
- Death Benefit
- Monthly pensions or lump sums are available for your beneficiaries to secure their future.
Your hard work abroad builds not just a career but a legacy of care and support for your loved ones.
Loan Opportunities for OFWs
SSS loans give you financial breathing room when you need it most:
- Salary Loan
For short-term needs, this loan provides quick cash assistance. - Calamity Loan
Living in a disaster-prone area? This loan is there to help in emergencies. - Pension Loan
Retiree-pensioners can take advantage of this option for extra financial flexibility.
These loans make financial recovery easier and help you stay on top of unexpected expenses.
Looking to grow your savings?
The SSS Flexi-Fund Program is a voluntary, tax-free savings plan just for OFWs.
You can invest a portion of your income abroad and enjoy high returns.
This program is an excellent supplement to your regular SSS benefits.
Even after your overseas work ends, you can continue growing your savings if your contributions are maxed out.
Flexibility and growth—it’s all in your hands.
Stay Connected Through My.SSS and the Mobile App
SSS understands your need for convenience.
With the My.SSS online portal and mobile app, you can:
- View contributions
- Apply for loans
- File claims
- Update your membership information
These tools let you manage your account wherever, whenever.
Staying connected with SSS has never been simpler.
Video: 2021 USSSAPTAYO Episode 37 | OFW Coverage Program
Episode 37 of USSSAPTAYO dives into the SSS OFW Coverage Program, which provides Overseas Filipino Workers with a safety net through comprehensive benefits and financial support.
The episode highlights short-term assistance such as sickness and maternity benefits, alongside long-term support like retirement and disability pensions.
It also discusses the Flexi-Fund Program, a tax-free savings option exclusive to OFWs, allowing them to grow their financial reserves.
Through clear and accessible insights, the program emphasizes how OFWs can secure their future while working abroad.
The episode serves as a guide for OFWs seeking to build stability and support their families.
Conclusion
The SSS OFW Coverage Program isn’t just about benefits—it’s about peace of mind.
It’s about creating a foundation for you and your family’s future.
Start today and take a step toward financial stability and security.