SSS Sickness Benefit 2025: Check Allowance Amount, Eligibility Criteria, and How to Apply

The SSS Sickness Benefit 2025 provides financial support to insured members unable to work due to illness or injury.

Published On: October 17, 2025

The Social Security System (SSS) in the Philippines offers crucial financial support to members who are temporarily unable to work due to illness or injury. The SSS Sickness Benefit is designed to replace income lost during this period, helping workers cover medical costs and daily expenses. With the SSS Sickness Benefit 2025 already in effect, it’s important for members to understand the benefit’s details, eligibility criteria, and how to apply.

This article covers everything you need to know about the SSS Sickness Benefit 2025, including the allowance amount, eligibility requirements, and the application process.

Table of Contents

SSS Sickness Benefit 2025

Key Fact	Detail/Statistic
Benefit Amount	Up to 90% of the daily salary credit
Maximum Benefit Period	120 days (extendable for serious conditions)
Eligibility Criteria	Must be a member with at least 3 months’ contribution in the last 12 months
Application Method	Online via SSS website or in person at SSS branch
Payment Schedule	Paid weekly or bi-weekly depending on condition

The SSS Sickness Benefit 2025 is a vital resource for Filipino workers facing temporary disability due to illness or injury. By meeting the eligibility criteria and understanding how to apply, workers can receive much-needed financial support during their recovery period. Always make sure to submit your application on time and ensure your details are up to date in the SSS system.

What is the SSS Sickness Benefit?

The SSS Sickness Benefit is a cash allowance given to members who are unable to work due to sickness or injury. This benefit is part of the SSS’s broader mission to provide social insurance to workers in the Philippines.

The amount of the sickness benefit is based on a member’s average daily salary credit (SDC), which is calculated from the member’s contributions to the system. The SSS Sickness Benefit ensures that workers continue to receive financial support while they recover and regain the ability to work.

In 2025, the benefit is designed to support workers for up to 120 days, with the option for extension in cases of serious or prolonged illness, like those requiring hospitalization or surgical procedures.

How Much Will You Receive Under the SSS Sickness Benefit?

The SSS Sickness Benefit amount depends on your daily salary credit (DSC), which is determined by the contributions you’ve made to the system.

Basic Sickness Benefit: You are entitled to 90% of your daily salary credit for the period you are sick, which is calculated by dividing your monthly salary credit by 30.
Maximum Coverage Period: The benefit can be provided for up to 120 days for regular illness or injury. In extreme cases, such as chronic illnesses or hospitalization, the benefit can be extended.

Example of Calculation:

If your average monthly salary credit is ₱15,000, your daily salary credit will be ₱500. This means your sickness benefit will be ₱450 per day (90% of ₱500). If you are out of work for 30 days, you will receive ₱13,500 as a total benefit.

Extended Coverage:

For those who experience long-term conditions requiring extended treatment, the benefit period can be extended beyond the initial 120 days. However, this extension requires medical certification and approval from SSS.

Eligibility Criteria for the SSS Sickness Benefit

To qualify for the SSS Sickness Benefit 2025, you must meet several key requirements:

SSS Membership: You must be an active member of the SSS, meaning you have made regular contributions as required by the system. The minimum number of contributions for eligibility is 3 months in the last 12 months prior to the onset of illness.
Sickness or Injury: You must be unable to work due to illness or injury, as certified by a licensed physician. The condition should prevent you from performing your usual work duties and must be recognized by SSS.
Filipino Citizen or Foreign National with a Valid Work Permit: Only Filipino citizens and foreign nationals with the legal right to work in the Philippines are eligible.
Sufficient Contribution Record: To qualify for the benefit, your SSS contribution record must reflect at least 3 months of contributions in the last 12 months leading up to your illness.
Medical Certification: A medical certificate from your attending physician is required to apply for the benefit. The doctor will certify that your condition warrants time off from work for recovery.

Apply for the SSS Sickness Benefit

Applying for the SSS Sickness Benefit is a straightforward process that can be done online or in person.

1. Online Application via SSS Website

Log into your SSS My Account on the official website or via the SSS mobile app.
Navigate to the “Sickness Benefit” application section.
Fill out the required forms, upload your medical certificate, and specify the period of your sickness.
Submit the application and wait for the confirmation of your eligibility.
Once approved, the payment will be issued via direct deposit or cheque depending on your preference.

2. In-Person Application at SSS Branches

For members who prefer to apply in person:

Visit your nearest SSS branch with the necessary documents, including your SSS number, medical certificate, and proof of sickness.
Fill out the application form provided at the branch.
Submit your completed form and wait for verification from SSS personnel.
Once approved, the benefit will be processed and paid.

SSS Sickness Benefit Payment Schedule

Once approved, the SSS Sickness Benefit is typically paid on a weekly or bi-weekly basis, depending on the severity of the condition. Payment can be made via:

Direct Deposit: If you have registered your bank account with the SSS, the payments will be credited to your account.
Cheque: If you have not registered for direct deposit, payments will be sent via cheque to your registered address.

Payments are processed based on the actual number of days you are incapacitated, not exceeding the 120-day maximum.

What Happens If You Don’t Apply on Time?

It’s important to note that timely filing for the SSS Sickness Benefit is essential. If you do not submit your application within a specific period (typically within 5 days of being confined or starting treatment), you risk disqualifying yourself from receiving the benefit. Additionally, failure to provide complete documentation or to meet the contribution requirements can lead to a denied application.

Common Challenges and Overcome Them

While the SSS Sickness Benefit is a valuable resource, applicants often face several challenges, including:

Incomplete or Incorrect Medical Certification: The medical certificate plays a crucial role in verifying your illness or injury. Ensure your attending physician includes all necessary details, such as the nature of your illness and expected recovery period.
Inadequate Contributions: Some members may not meet the minimum contribution requirements. It’s crucial to keep your SSS contributions up-to-date to avoid delays or disqualification.
Delayed Processing or Payment: In some cases, payment may be delayed due to issues with documentation or missing information. Always double-check that all forms are complete before submission.

To avoid these issues, ensure that you carefully follow the instructions and deadlines provided by SSS, and regularly check your SSS My Account for status updates.

Why is the SSS Sickness Benefit Important?

The SSS Sickness Benefit is an essential support mechanism for Filipino workers who are temporarily unable to work due to illness. It serves several important functions:

Financial Protection: The benefit ensures that workers continue to receive income when they are unable to work due to illness or injury.
Health Care Accessibility: With the benefit, workers can access medical care without the added stress of losing their income.
Social Safety Net: The SSS Sickness Benefit is part of the broader social security system that protects Filipino workers from the financial risks associated with illness or disability.