It is a cash benefit paid to a member who becomes permanently disabled, either partially or totally.
Who may qualify for the disability benefit?
A member who suffers partial or total permanent disability, with at least one contribution paid to the SSS prior to the semester of contingency, is qualified.
What are some of the permanent partial disabilities?
The complete and permanent loss of use of any of the following parts of the body fall under permanent partial disability:
one thumb
one index finger
one middle finger
one ring finger
one little finger
hearing of one ear
hearing of both ears
sight of one eye
one big toe
one hand
one arm
one foot
one leg
one ear
both ears
What are some of the permanent total disabilities?
The following fall under permanent total disability:
complete loss of sight of both eyes;
loss of two limbs at or above the ankle or wrists;
permanent complete paralysis of two limbs;
brain injury causing insanity; and
other cases as determined and approved by the SSS.
What are the types of disability benefits?
They are:
the monthly pension; and
the lump sum amount.
The monthly pension is a cash benefit paid to a disabled member who has paid at least 36 monthly contributions to the SSS prior to the semester of disability.
The lump sum amount is granted to those who have not paid the required 36 monthly contributions.
How much is the monthly pension?
The amount of the monthly pension will be based on the member's number of paid contributions and his years of membership. The lowest monthly pension is P1,000 for members with less than 10 calendar years of service (CYS); P1,200 for those with at least 10 CYS and P2,400 for those with at least 20 CYS.
Is the monthly pension for life?
Only totally and permanently disabled members will receive a lifetime monthly pension. However, the pension will be suspended if the pensioner recovers from his illness, resumes employment or fails to report for physical examination when notified by the SSS. The member may request for a domicilliary or a home visit if his disability inhibits his activity.
The monthly pension of a partially disabled member is limited to a certain number of months according to the degree of his disability. If with deteriorating or related permanent partial disability, the percentage degree of disability of the previously granted claim shall be deducted from the percentage degree of disability of the present claim.
The monthly pension is given in a lump sum if it is payable for less than 12 months.
How is the monthly pension paid?
The monthly pension is paid either in the form of a check delivered to the pensioner's home address or through the member's designated bank.
A member who becomes a pensioner starting Sept. 1, 1993 is allowed to choose the bank nearest his residence thru which he wishes to receive his pension benefits under the "Mag-Impok sa Bangko" Program.
A benefit claimant who has a single savings account that he wants SSS to use for payment of his pension should submit his savings account number and a photocopy of the passbook's first and second pages to the SSS upon filing of application for disability claim. He should also show the original passbook during the filing of his application for authentication.
Upon approval of the claim, the SSS will mail a notice-voucher to the claimant informing him when he can withdraw his benefit from the bank.
How much is the lump sum amount?
For permanent total disability, the lump sum is equivalent to the monthly pension times the number of monthly contributions paid to the SSS or the monthly pension times 12, whichever is higher.
For permanent partial disability, the lump sum is equivalent to the monthly pension times the number of monthly contributions times the percentage of disability in relation to the whole body or the monthly pension times 12 times the percentage of disability, whichever is higher.
