SSS Disability Benefit 2026: Calculator, Requirements and How to Claim

Quick answer: SSS pays a disability benefit to members with a permanent partial or permanent total disability who paid at least 1 monthly contribution before the semester of disability. With at least 36 contributions, you get a monthly disability pension (minimum ₱1,000 to ₱2,400) plus a ₱500 supplemental allowance and a ₱1,000 additional benefit; with fewer, you get a lump sum.

Permanent Total vs Permanent Partial Disability

Permanent total disability	Permanent partial disability (examples)
Complete loss of sight of both eyes	Loss of use of a thumb, finger or big toe
Loss of two limbs at or above the ankle or wrist	Loss of one hand, arm, foot or leg
Permanent complete paralysis of two limbs	Loss of hearing in one or both ears
Brain injury causing incurable mental incapacity	Loss of sight of one eye
Other cases approved by SSS	Removal of certain reproductive organs before age 45

How Much Is the SSS Disability Benefit?

• Monthly pension (36+ contributions before the semester of disability): the highest of ₱300 + 20% of AMSC + 2% of AMSC per credited year beyond 10; 40% of AMSC; or the minimum pension of ₱1,000 (under 10 years), ₱1,200 (10–19 years) or ₱2,400 (20+ years).
• Extras for pensioners: ₱500 supplemental disability allowance, ₱1,000 additional benefit, and a 13th-month pension. Total disability pensioners also get a dependent’s pension (10% or ₱250 per child under 21, up to five).
• Lump sum (fewer than 36 contributions): total disability — monthly pension × contributions paid or 12 × monthly pension, whichever is higher; partial disability — the same multiplied by the percentage of disability.

Disability pensioners also receive the 10% pension increase every September from 2025 to 2027 (see SSS changes 2025–2027).

SSS Disability Claim Requirements

• Disability Claim Application (DisCA) form
• SSS Medical Certificate filled out by your attending physician within the last 6 months
• Certified true copies of medical records, test results and hospital records supporting the disability
• SS card, UMID or other valid ID, and a photo and signature form (first claim)
• Enrolled disbursement account (bank or e-wallet) in My.SSS

How to File an SSS Disability Claim

1. Get the SSS Medical Certificate completed by your doctor and collect your medical records.
2. Book a branch visit (see our SSS appointment guide) and file the DisCA at any SSS branch.
3. A representative may file for you if you are bedridden, in a wheelchair, confined in an institution or living abroad.
4. Attend the SSS medical evaluation if required.
5. File within 10 years from the date of disability.

SSS Disability Benefit FAQs

How many contributions do I need for the SSS disability benefit?

At least 1 monthly contribution before the semester of disability qualifies you for a lump sum; at least 36 qualifies you for a monthly pension.

How much is the minimum SSS disability pension?

₱1,000 a month if you have under 10 credited years of service, ₱1,200 with 10 to 19 years, and ₱2,400 with 20 years or more — plus the ₱500 allowance and ₱1,000 additional benefit.

Is the sickness benefit the same as the disability benefit?

No. The sickness benefit covers temporary inability to work (up to 120 days a year); the disability benefit covers permanent loss of function.

Can a disability pensioner still work?

Total disability pensioners who recover or return to work must report it to SSS, as the pension may be suspended. Ask SSS about your specific case.

Do disability pensioners need to comply with ACOP?

Yes, certain total disability pensioners must comply with the Annual Confirmation of Pensioners. See our ACOP guide.

Related SSS guides and tools

• SSS Sickness Benefit Calculator
• SSS Pension Calculator 2026
• SSS Funeral & Death Benefit
• SSS Unemployment Benefit
• SSS Contribution Calculator 2026

Independent guide, not affiliated with SSS. Based on SSS disability benefit rules published on sss.gov.ph. Confirm with SSS hotline 1455.