SSS Retirement Pension 2026: Who Qualifies, How Much, How to Apply
Quick answer
You can get a monthly SSS retirement pension if you are at least 60 and no longer working, or at least 65, and you paid at least 120 monthly contributions before retiring. If you have fewer than 120, you get a lump sum instead. The monthly amount depends on your average monthly salary credit and years of contributions, and you apply online on My.SSS.
Requirements
- Age 60 and separated from work or no longer self-employed, or age 65 whether working or not.
- At least 120 monthly contributions before the semester of retirement for a monthly pension.
- My.SSS account and an enrolled disbursement account (bank or e-wallet).
- Valid ID and SSS number.
- Documents SSS asks for, such as proof of separation from work, PSA birth certificates of minor children for dependent's pension, and PSA marriage certificate if married.
Fees
| Item | Amount | Notes |
|---|---|---|
| Option A | PHP 300 + 20% of AMSC + 2% of AMSC for each credited year of service (CYS) above 10 | |
| Option B | 40% of AMSC | |
| Option C | Minimum pension: PHP 1,200 with 10+ CYS, PHP 2,400 with 20+ CYS, before increases | |
| Your pension | The highest of A, B and C | Plus any across-the-board increases |
| 13th month pension | Paid every December | |
| Dependent's pension | Per minor child, up to 5 |
Steps
Online
1. Log in to My.SSS at member.sss.gov.ph
Never share your password or one-time code.
2. Check your total contributions and update your records, including dependents
3. Enroll a disbursement account in DAEM
4. Choose "Retirement Claim Application" under Benefits
5. Choose monthly pension or, if allowed, the 18-month advance lump sum
6. Submit and track the status in My.SSS
Walk-in
1. If you cannot file online, go to an SSS branch with your ID, SSS number and documents
See /offices/sss/.
Processing time
- Approval and first payment: a few weeks after filing.
- The pension is paid monthly to your enrolled account.
- Pensioners must confirm they are alive each year under ACOP, if required.
Where to apply
- Apply on the official website: https://member.sss.gov.ph/members/
- Find SSS offices
Common problems and fixes
Fewer than 120 contributions
You get a lump sum. You may keep paying as a voluntary member to reach 120 before you file.
Still working at 60
You can file at 60 only if you stop working. Otherwise wait until 65.
Missing contributions from past employers
Ask SSS to check. Bring payslips or employment records.
No disbursement account
Enroll one first in DAEM.
Pension stopped
You may have missed ACOP compliance. Check My.SSS.
Unpaid SSS loan
The balance is deducted from your benefit.
Frequently asked questions
How much is the SSS pension in 2026?
It is the highest of three amounts based on your AMSC and years of contributions. Use our calculator for an estimate.
What is the minimum SSS pension?
It depends on your credited years of service. Check the 2026 amounts.
How many contributions do I need for an SSS pension?
At least 120 monthly contributions.
Can I retire at 60 and still work?
No. At 60 you must be separated from work. At 65 you can retire even if working.
Is there a 13th month pension?
Yes, SSS pays a 13th month pension every December.
What if I have less than 120 contributions?
You get a lump sum equal to your total contributions plus interest, or you can keep paying to reach 120.
Can I get my pension in advance?
At 60, you may choose the first 18 months as a discounted lump sum.
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