SSS Retirement Pension 2026: Who Qualifies and How Much
Quick answer
You get a monthly SSS pension for life after at least 120 monthly contributions. You can claim it at 60 if you have stopped working, or at 65 even if you still work. With fewer than 120 contributions you get a lump sum instead. Your pension is the highest of three formulas, plus a PHP 1,000 additional benefit every month. Retirement pensions rose 10% in September 2025 and another 10% from June 2026; a third increase is planned for 2027. File online on My.SSS.
What are the requirements?
- Optional retirement: age 60 and separated from work, or no longer self-employed or working abroad.
- Technical retirement: age 65, whether still working or not.
- Underground and surface mineworkers and racehorse jockeys can retire earlier under special laws.
- At least 120 monthly contributions before the semester of retirement for a monthly pension.
- A My.SSS account, plus a UMID card enrolled as ATM or a disbursement account enrolled in DAEM before you file.
- Employed members aged 60 to 64: a certificate of separation from your last employer, or the SSS affidavit of separation. Voluntary members and OFWs do not need proof of separation.
- PSA birth certificates of dependent children and your PSA marriage certificate, if they are not yet in your SSS records.
How the monthly pension is computed
Your pension is the highest of these three amounts. Our SSS pension calculator uses the same rule for an estimate.
| Formula | Amount | Notes |
|---|---|---|
| Option A | PHP 300 + 20% of AMSC + 2% of AMSC for each credited year above 10 | Usually highest for long contributors |
| Option B | 40% of AMSC | |
| Option C, 10 to 19 credited years | PHP 1,200 | Minimum pension |
| Option C, 20 or more credited years | PHP 2,400 | Minimum pension |
| Additional benefit | PHP 1,000 a month | Added on top since January 2017 |
| 13th month pension | One extra month | Paid every December |
| Dependent's pension | 10% of your pension or PHP 250, whichever is higher | Per child, up to 5 children |
AMSC is your average monthly salary credit. Credited years of service (CYS) count the years you paid contributions.
Pension increases: SSS gives retirement and disability pensioners three yearly increases of 10%. The first came in September 2025. The second was paid early, from June 1, 2026, to pensioners on the rolls by May 31, 2026; those who became pensioners from June 1 to August 31, 2026 get it from September 1, 2026. Death and survivor pensions rose 5% in this round. SSS will announce the date of the 2027 increase.
How do you apply, step by step?
Online
1. Log in to My.SSS at member.sss.gov.ph
Never share your password or one-time PIN.
2. Check your contributions, dependents and spouse in your member record
Fix any error first.
3. Enroll a bank or e-wallet account in DAEM if you have no UMID card enrolled as ATM
4. Open the Benefits menu and file the retirement claim application
5. Choose a monthly pension, or take the first 18 monthly pensions in advance as a discounted lump sum
You can only choose this at your first filing.
6. Submit and track your claim in My.SSS
Walk-in
Some cases must be filed at a branch. These include claims under a bilateral social security agreement or the Portability Law, and pensioners under guardianship. Bring your IDs, photo and signature card if you have no UMID, and supporting documents. Find an SSS branch near you.
How long does it take?
- Branch filing: about 17 working days, according to the SSS Citizen's Charter.
- The pension is then credited every month to your UMID ATM card or enrolled account.
- Some pensioners must report once a year under the Annual Confirmation of Pensioners (ACOP) program to keep receiving payments. This covers retirees aged 80 and above living in the Philippines and retirees living abroad.
Where do you apply?
- Apply on the official website: https://member.sss.gov.ph/members/
- Find SSS offices
What are the common problems and how do you fix them?
Fewer than 120 contributions
You can keep paying as a voluntary member until you reach 120, then file for a monthly pension.
Still working at 60
You can file at 60 only after you stop working. Otherwise, wait until 65.
Missing contributions from past employers
Ask SSS to check your records. Bring payslips or employment records.
No disbursement account
Enroll one in DAEM first; the claim cannot be filed without it.
Pension suspended
Check if you missed your ACOP report. Pensions are also suspended if you go back to work before 65.
Unpaid SSS loans
All unpaid short-term loans are deducted in full from your benefit.
Frequently asked questions
How much is the SSS pension in 2026?
It is the highest of Option A, Option B and the minimum pension. You also get the PHP 1,000 additional benefit, plus the 10% increases given in September 2025 and from June 2026.
What is the minimum SSS pension?
The base minimum is PHP 1,200 with at least 10 credited years and PHP 2,400 with at least 20. The PHP 1,000 additional benefit and the yearly increases come on top.
How many contributions do I need for an SSS pension?
You need at least 120 monthly contributions before the semester of retirement.
Can I retire at 60 and still work?
No. At 60 you must be separated from work. At 65 you can retire even if you are still working.
Is there a 13th month pension?
Yes. SSS pays a 13th month pension every December.
What if I have fewer than 120 contributions?
You get a lump sum equal to your total contributions plus interest. You can also keep paying as a voluntary member to reach 120.
Can I get my pension in advance?
Yes. When you first file, you can take the first 18 monthly pensions as one lump sum, discounted at a rate set by SSS.
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