SSS Sickness Benefit Calculator [Avail With Ease in 2026]

You can use our online SSS Sickness Benefit Calculator to determine your exact entitlement, which is based on your average monthly salary credits and is paid for up to 90 days per year.

The calculator helps you calculate your daily sickness benefit rate, which is 90% of your average daily salary credit.

To get accurate results, make sure you have at least 3 monthly contributions within the 12-month period before your sickness.

Want to learn more about the application process, eligibility, and benefits?

Key Points To Remember

• The SSS Sickness Benefit Calculator helps determine the daily benefit amount based on the average daily salary credit.
• The calculator considers the 6 highest monthly salary credits within 12 months before the sickness.
• The daily benefit rate is 90% of the average daily salary credit, ensuring accurate compensation for illness.
• The calculator assists in calculating the benefit amount, ensuring correct compensation for medical expenses and daily needs.

Understanding SSS Sickness Benefit

You’re entitled to the SSS Sickness Benefit if you’re an active member who’s been confined for at least four days due to illness or injury.

This benefit provides financial support to help you cover medical expenses and daily needs during your recovery period.

As an active member, you’ve been contributing a portion of your monthly salary to the SSS, which makes you eligible for this benefit.

The SSS Sickness Benefit is calculated based on your average monthly salary credits, which determine the amount you’ll receive daily.

The good news is that you can receive this benefit for up to 90 days per year, giving you the financial support you need to focus on your recovery.

SSS Sickness Benefit Eligibility

Meeting the eligibility requirements is crucial to receiving the SSS Sickness Benefit, and it starts with having at least three monthly contributions within the 12-month period immediately before the semester of sickness.

As you use the SSS Sickness Benefit Calculator, you’ll need to make sure you’ve met this requirement.

Additionally, you must have used up all company sick leaves with pay for the current year to qualify for the SSS benefit.

You’ll also need to inform your employer within five calendar days of the start of your sickness or hospitalization.

The period of confinement should be at least four days for the benefit to be granted.

If you’re self-employed or a voluntary member, you’ll need to have paid at least three monthly contributions within the 12-month period to be eligible.

Calculating Sickness Benefit Amount

You’re now ready to calculate the sickness benefit amount you’re eligible for. This involves understanding the eligibility criteria and how it affects your benefit amount calculation.

Eligibility Criteria Explained

To calculate your Sickness Benefit amount, the SSS considers your six highest monthly salary credits within the 12 months preceding the semester of your illness.

As an SSS member, you’re eligible for the Sickness Benefit if you’ve been confined due to illness for at least four days. You must also be an active SSS member to qualify.

The SSS will review your monthly salary credits to determine your benefit amount. This guarantees that you receive the correct compensation for your illness.

Benefit Amount Calculation

Your SSS Sickness Benefit amount is calculated based on your six highest monthly salary credits and the number of days you’re sick, guaranteeing you receive fair compensation for your illness.

Here’s how it works:

1. Your six highest monthly salary credits are used to calculate your average daily salary credit.
2. The SSS Contribution and your average daily salary credit determine your daily reimbursement rate.
3. This rate is multiplied by the number of days you’re sick to get your total sickness benefit amount.
4. The benefit covers 90% of your average daily salary credit for up to 120 days per year.

Accuracy in providing the required information guarantees an appropriate and timely sickness benefit payout.

SSS Sickness Notification Process

As you prepare to file a claim, you’ll need to notify your employer about your sickness, and they’ll submit a report to SSS for processing.

It’s crucial to do this within five calendar days of getting sick, as delays can affect your benefit claims.

You’ll want to make sure you follow the correct procedure to avoid any hiccups in your application.

Filing a Claim

You’ll need to notify your employer or the SSS about your sickness to initiate the claim process.

This is the first step in securing financial assistance through the SSS sickness benefit program, which provides you with a sense of security during difficult times.

Here’s what you can expect from the claim process:

1. Submit required documents: Your employer or you’ll need to submit the sickness notification form and medical certificate to the SSS.
2. Wait for evaluation: The SSS will evaluate your claim and inform you of the approval or denial.
3. Receive benefit: If approved, you’ll receive the sickness benefit through your preferred payment method.
4. Track your claim: Regularly check the status of your claim online to get updates on the processing and payment of your sickness benefit.

Notifying the Employer

When taking ill, immediately notify your employer about your sickness and expected absence, as this initiates the SSS sickness notification process.

This is important, as your employer plays an essential role in forwarding your sickness notification to the SSS.

Within five calendar days from the start of your sickness, submit a medical certificate to your employer. They’ll then notify the SSS about your sickness and provide the necessary information.

Make sure your employer acknowledges and forwards your sickness notification to the SSS promptly.

Timely communication with your employer is key to processing your SSS sickness benefit claim efficiently. By doing so, you’ll set the wheels in motion for a smoother claims process.

Benefits of SSS Sickness Benefit

With SSS Sickness Benefit, you can rely on a financial safety net that covers your medical expenses and daily needs while you’re recovering from an illness or injury.

This benefit provides financial support for temporary disability, giving you peace of mind during a difficult time.

Here are some key advantages of SSS Sickness Benefit:

1. Financial security: You’ll receive financial support to cover medical expenses and daily needs.
2. Accurate compensation: The calculator estimates your entitlement based on salary credits and sick days.
3. Easy claims process: The calculator helps you navigate the claims process with transparency and ease.
4. Support for beneficiaries: In the event of your passing, your beneficiaries can claim the benefit, providing them with financial support.

As an active SSS member, you can rely on this benefit to support you during health uncertainties.

SSS Sickness Benefit Application

To apply for the SSS Sickness Benefit, you need to submit your application within five calendar days after confinement unless you qualify for an extension.

As an SSS member in the Philippines Social Security system, you’re entitled to this benefit. You’ll need to provide the necessary documents and information to support your claim.

Fortunately, you can apply online through the official SSS website, making the process more convenient.

In certain situations, you may be eligible for an extension of up to sixty days to submit your application.

Remember, the maximum benefit duration is 90 days per year for continuous or intermittent sickness periods.

Required Documents for Application

Now that you’re ready to apply for SSS Sickness Benefit, you’ll need to gather the necessary documents to support your claim.

You’ll need to prepare a list of required documents, including your SSS ID or E6 form, medical certificates, and valid ID, among others.

Make sure you have all the necessary documents ready to avoid delays or denial of your application.

Required Documents List

You’ll need to prepare a set of required documents to support your SSS Sickness Benefit application.

These include your SSS ID or two valid IDs, medical certificate, and SSS Maternity Notification if you’re a female member.

These documents serve as proof of your identity, medical condition, and eligibility for the benefit.

Here’s a summary of the required documents:

1. SSS ID or two valid IDs: to verify your identity
2. Medical Certificate: to prove your sickness or injury
3. SSS Maternity Notification: for female members, to confirm pregnancy-related sickness
4. Additional documents: depending on the nature of your sickness and treatment, you may need to submit more documents to support your claim

Medical Certificates Needed

When applying for SSS Sickness Benefit, an essential document you need to secure is a medical certificate from a licensed physician that clearly outlines your diagnosis and recommended confinement period.

This certificate serves as proof of your illness and is a critical requirement for your benefit claim.

Remember to submit accurate and compliant medical certificates to process your SSS Sickness Benefit claim efficiently.

Online SSS Sickness Benefit Claim

You can initiate the online SSS Sickness Benefit claim process through the SSS website, where you’ll need to prepare and upload the required documents. This includes your medical certificate and SSS ID.

Here’s what to expect during the online claim submission process:

1. Upload required documents: Prepare and upload your medical certificate and SSS ID.
2. Track your claim status: Check online to track the progress of your claim.
3. Receive benefit payment: Your benefit payment will be disbursed through your chosen payment method.
4. Ensure timely submission: Submit your claim accurately and on time to receive your SSS Sickness Benefit efficiently.

Daily SSS Sickness Benefit Rate

The daily SSS sickness benefit rate is calculated at 90% of your average daily salary credit, providing financial support during periods of illness or injury.

This benefit is capped at a maximum of 120 days per year, covering continuous or intermittent sickness periods.

You can calculate your daily sickness benefit rate by dividing your average daily salary credit by 30.

As a member, you’ll receive the benefit directly to help cover medical expenses and daily needs.

Average Daily Salary Credit

You’re now ready to explore the Average Daily Salary Credit, an important factor in calculating your SSS sickness benefits.

To get an accurate computation, you need to understand how your daily salary is calculated and how your salary credits are computed.

Let’s break down these essential points to make sure you receive the right financial assistance when you need it most.

Daily Salary Calculation

To calculate your Average Daily Salary Credit, start by identifying the six highest monthly salary credits you’ve earned within the 12 months preceding your illness.

This calculation is important for determining your daily SSS Sickness Benefit.

Here’s what you need to do:

1. Identify the six highest monthly salary credits within the 12-month period.
2. Add up the total amount of these six credits.
3. Divide the total by 6 to get the total monthly salary credit.
4. Divide the total monthly salary credit by 30 to get your Average Daily Salary Credit.

This calculation will give you the daily rate used to compute your SSS Sickness Benefit. Understanding this process is essential for maximizing your benefits during periods of illness.

Salary Credits Computation

After calculating your daily salary, you’ll need to compute your Average Daily Salary Credit, which is a critical step in determining your SSS Sickness Benefit.

This calculation is based on the six highest monthly salary credits in the last 12 months. Here’s a breakdown of how to compute your Average Daily Salary Credit:

Add up the six highest salary credits (₱25,000 + ₱20,000 + ₱26,000 + ₱24,000 + ₱22,000 + ₱20,000 = ₱137,000) and divide the total by 180 to get your Average Daily Salary Credit.

This amount will serve as the basis for calculating your daily sickness benefit amount.

SSS Sickness Benefit Coverage Period

The SSS Sickness Benefit coverage period, which can last up to 90 days per year, provides financial support during continuous or intermittent sickness.

This benefit helps you cover your daily needs and medical expenses while you’re unable to work due to illness.

Here’s what you need to know about the coverage period:

1. Maximum 90 days per year: The benefit duration is capped at 90 days, whether it’s continuous or intermittent.
2. Starts from confinement: The coverage period begins from the first day of your confinement.
3. Varies based on condition: The benefit duration may vary depending on your medical condition and prescribed sickness leave.
4. Covers daily needs: The SSS Sickness Benefit helps you cover your daily needs, ensuring you can focus on recovering.

Additional SSS Benefits for Members

In addition to sickness benefits, you’re entitled to a range of additional perks as an SSS member.

For instance, you can avail of maternity benefits, which provide a daily cash allowance for 60 days for normal delivery and 78 days for caesarean section.

If you’re hospitalized due to an injury or illness, you’re eligible for a cash allowance to help with hospital confinement expenses.

Additionally, you can also receive disability benefits, including a monthly pension and a lump sum amount for total permanent disability.

Other benefits include retirement benefits, funeral benefits, and unemployment benefits, which provide financial assistance during difficult times.

As an SSS member, you can take advantage of these benefits to secure your financial future.

Employer Responsibilities for SSS

As you explore the world of SSS benefits, you’ll realize that your employer plays a significant role in facilitating your access to these benefits.

They’ve specific responsibilities to fulfill, ensuring you can enjoy the benefits you’re entitled to.

Here are some key employer responsibilities:

1. Deduct and remit SSS contributions from your salary.
2. Accurately compute your monthly salary credit for SSS contributions.
3. Submit monthly contribution reports and payments to the SSS.
4. Comply with SSS contribution requirements to avoid penalties and legal consequences.

Checking SSS Contributions and Eligibility

You can easily check your SSS contributions online through the official SSS website or mobile app to verify you’re eligible for sickness benefits.

This is important in ensuring you’re actively contributing and meeting the requirements for sickness benefits.

Receiving SSS Sickness Benefit

After submitting your SSS Sickness Benefit claim, you’ll receive a confirmation and a reference number from the SSS, which you’ll use to track the status of your application online.

Once approved, you’ll receive your sickness benefits through your preferred mode of payment.

To guarantee a smooth process, make sure the accuracy of your application and the claimed benefit amount.

As a member, you can avail of this benefit to cover medical expenses and daily needs during temporary disability. Here’s what to expect:

1. Confirmation and reference number: Receive a confirmation and reference number from the SSS to track your application status.
2. Track application status: Monitor your claim’s progress through the SSS website.
3. Receive benefits: Get your sickness benefits through your preferred mode of payment.
4. Financial support: Receive financial support to cover medical expenses and daily needs during temporary disability.

Final Words

As you navigate the complexities of SSS sickness benefits, remember that your hard-earned contributions are like seeds planted in fertile soil.

With each payment, you’re nurturing a safety net that will bloom into financial support when you need it most.

Don’t let uncertainty cloud your path, arm yourself with knowledge and claim what’s rightfully yours. Your health, and your finances, will thank you.

Sophia Claire

Sophia Claire is a renowned Filipino economist with a Ph.D. in Economics from the University of the Philippines. She has extensive experience in research and analysis of the Philippine Social Security System (SSS) and has published numerous articles on the topic. Her expertise lies in the field of pension systems, social security, and retirement planning. She is a frequent speaker at conferences and seminars on SSS pensions and has been consulted by various organizations and government agencies.