Kim
In 2025, the Social Security System (SSS) of the Philippines is introducing a significant update for retirees and qualified members. A new ₱4,800 minimum monthly pension payout will be implemented, ensuring stronger financial support for Filipinos in their retirement years.
With increasing living costs, this move aims to ease economic pressures for pensioners and those nearing retirement.
Let’s break down the details of this benefit — including eligibility, application steps, contribution requirements, and what you need to do to receive this payout.
What Is the ₱4,800 Monthly SSS Pension?
The ₱4,800 monthly payout refers to the new minimum pension amount retirees will receive from SSS beginning in 2025.
While many members may receive more based on their contributions and years of service, this baseline amount is now guaranteed for those who meet the minimum qualification standards.
This increase is a response to demands for better retirement support and reflects the economic adjustments needed to match inflation and cost of living.
Who Is Eligible for the ₱4,800 Monthly Pension?
To qualify for the monthly pension of ₱4,800 or more in 2025, a member must meet the following eligibility criteria:
- Age Requirement:
- At least 60 years old and separated from employment.
- At least 65 years old, regardless of employment status.
- Minimum Contributions:
- Must have paid at least 120 monthly contributions before the semester of retirement.
- Special Occupations:
- Underground miners are eligible at 50 years old.
- Racehorse jockeys may qualify at 55 years old.
If a member has not completed 120 contributions, they will not be eligible for a monthly pension but may claim a lump-sum payment instead.
SSS 2025 Contribution
The contribution system has been revised for 2025, with increased rates and wider salary brackets. The new 15% contribution rate is shared by the employee and employer or paid fully by self-employed members.
Here’s a simplified contribution table:
| Monthly Salary | Monthly Salary Credit (MSC) | Total Contribution (15%) | Employee Share (5%) | Employer Share (10%) |
|---|---|---|---|---|
| ₱5,000 | ₱5,000 | ₱750 | ₱250 | ₱500 |
| ₱10,000 | ₱10,000 | ₱1,500 | ₱500 | ₱1,000 |
| ₱20,000 | ₱20,000 | ₱3,000 | ₱1,000 | ₱2,000 |
| ₱30,000 | ₱30,000 | ₱4,500 | ₱1,500 | ₱3,000 |
| ₱35,000 | ₱35,000 | ₱5,250 | ₱1,750 | ₱3,500 |
Additional Pension Benefits
In addition to the basic monthly pension, members may also be entitled to:
- 13th Month Pension: An extra payment every December.
- Dependent’s Pension: Each qualified child (up to 5) receives an additional ₱250 or 10% of the member’s pension — whichever is higher.
- Lump-Sum Option: New retirees may opt to receive 18 months’ worth of pensions in advance at a discounted rate.
These benefits aim to provide broader coverage and support to retirees and their families.
How to Apply for the SSS ₱4,800 Pension in 2025
Applying for the pension is now more accessible than ever. Follow these steps:
- Prepare the Required Documents
- Valid government-issued ID (e.g., UMID).
- Duly accomplished retirement claim form.
- Copy of birth certificate.
- Bank account details for pension disbursement.
- SSS member records (for verification of contributions).
- Submit Your Application
- Via the My.SSS online portal.
- Or by visiting the nearest SSS branch.
- Enroll in DAEM
- Ensure your bank account is enrolled in the Disbursement Account Enrollment Module (DAEM) to avoid delays in receiving payments.
- Wait for Approval
- Processing may take a few weeks. You will receive a notification once approved and your pension starts disbursing.
Pension Payment Schedule
SSS follows a staggered schedule for crediting monthly pensions:
- SS Number ending in 0–4: Paid on the 1st to 15th of each month.
- SS Number ending in 5–9: Paid on the 16th to end of the month.
This schedule ensures smooth fund distribution across all pensioners.
The ₱4,800 monthly SSS pension in 2025 is a timely and necessary financial upgrade that benefits thousands of Filipino retirees. By increasing the baseline pension, the government aims to protect vulnerable sectors against economic instability and inflation.
Eligible members are encouraged to check their contribution status, apply early, and ensure their information is up to date.
Staying informed and proactive will help you enjoy a more secure and comfortable retirement.
FAQs
What happens if I haven’t reached 120 monthly contributions?
If you haven’t reached 120 contributions, you won’t qualify for the monthly pension. However, you may receive a lump-sum payment based on your total contributions and interest earned.
Can I receive more than ₱4,800 per month?
Yes. The ₱4,800 is the minimum pension. Your actual amount will depend on your credited years of service (CYS) and average monthly salary credit (AMSC).
Is the application available online?
Absolutely. You can apply for the pension through the My.SSS online portal using your registered SSS account.