Quick answer

To claim an SSS benefit, first check whether your personal data, employment history, contributions, beneficiaries, and disbursement account are correct in My.SSS. Then select the benefit, confirm its contribution and documentary requirements, file through the required online or over-the-counter channel, and keep the transaction number and copies of every submission.

If contributions deducted from your salary are missing, do not simply pay those months yourself as a voluntary member. Ask the employer to correct its report and file a contribution-record complaint or verification request with SSS, supported by payslips, employment records, and proof of deductions. An employer’s failure to report or remit contributions generally does not destroy a covered employee’s right to benefits, although SSS may need to verify the employment and assess the employer before correcting the record.

Act immediately when a benefit has a notification or filing deadline—especially sickness and unemployment—or when missing contributions affect a pending maternity, disability, retirement, or death claim.

Start with a complete SSS record check

Your full name, birth date, sex, civil status, and SS number
Mobile number, email address, and mailing address
Membership type and employment history
Monthly contributions, including the applicable months and monthly salary credits
Loan balances that may be deducted from benefits
Registered beneficiaries and dependent children
Your approved account in the Disbursement Account Enrollment Module, or DAEM
Pending and completed benefit claims and payment status

Download or take dated screenshots of the records. Compare every contribution against your payslips, payroll records, receipts, payment reference numbers, and employment dates.

A contribution appearing in the wrong month, under the wrong SS number, at an understated salary credit, or under an incorrect membership type can affect eligibility or the amount of a benefit. Correct material errors before the contingency occurs whenever possible. Under Section 24 of the Social Security Act, SSS generally adjudicates a claim using the records properly submitted to it, subject to corrections made according to its rules.

Which SSS benefit may apply?

Sickness benefit

A member may qualify after paying at least three monthly contributions within the 12-month period immediately preceding the semester of sickness or injury. The confinement must generally last more than three days and be approved by SSS. The daily benefit is 90% of the member’s average daily salary credit, subject to statutory limits.

For home confinement:

An employee must notify the employer within five calendar days from the start of confinement.
The employer must notify SSS within five calendar days after receiving the employee’s notice.
A self-employed, voluntary, or OFW member must notify SSS within five calendar days from the start of confinement.

For hospital confinement, the employee’s advance notice to the employer is not required. The employer’s submission, or an individual member’s application, must generally be made within one year from hospital discharge. An employer’s reimbursement claim must generally be filed within one year from the start of home confinement or hospital discharge, as applicable.

Late notice may reduce or defeat the claim. Keep the medical certificate, diagnostic results, prescriptions, hospital abstract, discharge summary, official receipts, and proof showing when notice was given. See the official SSS sickness-benefit rules.

Maternity benefit

A female member must have at least three monthly contributions within the 12-month period immediately preceding the semester of childbirth, miscarriage, or emergency termination of pregnancy. Only contributions paid before the semester of the contingency are counted.

The compensable period is generally:

105 days for live childbirth, whether normal or caesarean
An additional 15 days for a qualified solo parent
60 days for miscarriage or emergency termination of pregnancy, including stillbirth

An employed member should notify her employer immediately after confirmation of pregnancy; the employer transmits the notification to SSS. A self-employed, voluntary, non-working-spouse, or OFW member may notify SSS through My.SSS, the official mobile app, or another authorized SSS facility.

The employer ordinarily advances the full SSS maternity benefit within 30 days after the maternity-leave application and then seeks reimbursement. The statutory salary differential is a separate employer obligation, subject to the exemptions recognized by the Expanded Maternity Leave Law and its implementing rules.

Preserve pregnancy-test or ultrasound records, maternity notification, birth or fetal-death records, medical certificates, operating-room or hospital records, proof of solo-parent status when applicable, and proof of the employer’s payment. Consult the official SSS maternity-benefit page for the documents required for the particular contingency.

Disability benefit

A member who becomes permanently partially or totally disabled may qualify if at least one monthly contribution was paid before the semester of disability. A monthly pension generally requires at least 36 monthly contributions; otherwise, the benefit is ordinarily paid as a lump sum. SSS—not the member or attending physician alone—determines the compensable disability and its degree.

A disability claim normally requires the prescribed application, an SSS medical certificate completed within six months before filing, certified supporting medical records, and valid identification. Different conditions may require particular waiting periods or tests.

File promptly and preserve consultation records, hospital abstracts, operative reports, laboratory results, imaging films and reports, rehabilitation records, and evidence showing how the condition limits work or daily activities. Review the official SSS disability-benefit requirements before filing.

Retirement benefit

A monthly retirement pension generally requires at least 120 monthly contributions before the semester of retirement.

The ordinary retirement ages are:

At least 60, if separated from employment or no longer self-employed, an OFW, or a household helper
At least 65, whether still working or not

Special statutory ages apply to qualified underground or surface mineworkers and racehorse jockeys. A member with fewer than 120 contributions may take the applicable lump sum or, if eligible, continue paying as a voluntary member until completing 120 contributions.

Most eligible claims are filed through My.SSS after an approved disbursement account is enrolled. Branch filing remains necessary for specified cases, including certain claims involving guardianship, incapacity, portability, bilateral social-security agreements, adjustment, or re-adjudication.

Check contribution gaps well before retirement. Do not assume that payments made after the semester of retirement will automatically increase the claim. See the official SSS retirement-benefit guide.

Death benefit

Primary beneficiaries are generally the dependent spouse, until remarriage, and qualified dependent children. In their absence, dependent parents are secondary beneficiaries. If none qualify, payment may pass to the properly designated beneficiary or legal heirs, depending on the applicable rule.

A monthly death pension generally requires at least 36 contributions before the semester of death. If the requirement is not met, the qualified beneficiary ordinarily receives a lump sum.

Relationship and dependency disputes are fact-sensitive. Preserve the deceased member’s SSS records, PSA civil-registry documents, marriage and birth certificates, proof of dependency, medical or disability records for an incapacitated child, and any documents concerning prior marriages, annulment, adoption, or filiation. Use the official SSS death-benefit requirements and file at a branch when the claim is not eligible for online processing.

Funeral benefit

The person who actually paid the funeral expenses may claim, even if that person is not a death-benefit beneficiary.

For deaths covered by the current schedule, the benefit is:

₱20,000 to ₱60,000 when the member or pensioner had at least 36 contributions up to the month of death
₱12,000 when there was at least one but fewer than 36 contributions

An SSS member-claimant may generally file online after registering with My.SSS and enrolling an approved disbursement account. A claimant who is not an SSS member must file over the counter.

Keep the death certificate and receipts, invoices, contracts, acknowledgments, or other proof identifying who paid the expenses. Follow the official SSS funeral-benefit instructions.

Unemployment benefit

A covered employee who was involuntarily separated may qualify if the member:

Is not over 60 at the time of separation, subject to the lower statutory ages for certain mineworkers and racehorse jockeys
Has at least 36 monthly contributions
Has at least 12 contributions within the 18 months immediately preceding involuntary separation
Was separated for a recognized authorized

Quick answer

You can claim an SSS benefit only after SSS confirms that you meet the rules for the particular contingency—such as sickness, childbirth, disability, retirement, death, funeral expenses, or involuntary unemployment. Start by checking your posted contributions and membership data in My.SSS. Correct missing or inaccurate records before filing whenever possible, because contribution dates, monthly salary credits, employment history, civil status, and beneficiaries can affect eligibility and the amount paid.

If an employer deducted contributions but failed to remit or report them correctly, do not assume that you have lost your benefit. Under the Social Security Act of 2018, an employer’s failure or refusal to remit contributions must not prejudice a covered employee’s right to benefits. Report the discrepancy to SSS and provide employment and deduction records. SSS may collect the delinquency and assess the employer for contributions, penalties, or benefit-related damages.

Do not wait unnecessarily. Some claims and notifications have strict deadlines—particularly sickness and unemployment claims—and late filing may reduce or defeat a claim.

Start with a complete records check

Your full name, birth date, civil status, contact information, and membership type
Employment history and employer identification details
Monthly contributions, including the applicable months and monthly salary credits
Loan balances that may be deducted from certain benefits
Registered beneficiaries and dependents
Maternity notifications, if applicable
Your approved disbursement account
Previously filed claims and their status

Check the months relevant to the benefit, not merely your total number of contributions. SSS commonly measures eligibility using contributions paid before a specified semester of contingency or during a particular look-back period. A payment made after the relevant semester has begun may not cure a shortfall for that claim.

As of January 2025, the regular SSS contribution rate is 15% of the applicable monthly salary credit, with a minimum monthly salary credit of ₱5,000 and a maximum of ₱35,000. For employees, the regular contribution is shared by employer and employee. Different tables apply to self-employed members, voluntary members, OFWs, non-working spouses, kasambahays, and household employers. Use the official SSS contribution tables for the correct period and membership category.

Which benefit may apply?

Sickness benefit

This is a daily cash allowance for a member who cannot work because of sickness or injury and is confined for more than three days in a hospital or elsewhere with SSS approval.

The general contribution requirement is at least three monthly contributions within the 12-month period immediately preceding the semester of sickness or injury. The allowance is generally 90% of the member’s average daily salary credit, subject to statutory limits.

Important notification periods include:

Employed member, home confinement: Notify the employer within five calendar days from the start of confinement. The employer generally has five calendar days after receiving the notice to notify SSS.
Self-employed, voluntary, or OFW member, home confinement: Notify SSS within five calendar days from the start of confinement.
Hospital confinement: Notification is generally not required during confinement, but the claim must ordinarily be filed within one year from hospital discharge.
Employer reimbursement: Generally within one year from the start of home confinement or from hospital discharge, as applicable.

Late notification can cause reduction or denial. When the five-day notice rule applies and notice is late, SSS may treat the confinement as having begun no earlier than the fifth day immediately before notification. Preserve the medical certificate, consultation records, diagnostic results, hospital abstract, discharge summary, prescriptions, and proof of the dates you could not work. See the official SSS sickness-benefit rules.

Maternity benefit

A female member may qualify for childbirth, miscarriage, or emergency termination of pregnancy if she paid at least three monthly contributions within the 12-month period immediately preceding the semester of the contingency and complied with the applicable notification requirement.

The compensable periods are generally:

105 days for live childbirth, whether vaginal or caesarean
An additional 15 days for a qualified solo parent
60 days for miscarriage or emergency termination of pregnancy, including stillbirth

The benefit applies regardless of civil status, employment status, the child’s legitimacy, or the number of prior pregnancies. Only one maternity benefit is payable for one childbirth even if there are multiple babies.

An employed member should notify her employer upon confirmation of pregnancy and provide proof of pregnancy. The employer transmits the notification through My.SSS. A self-employed, voluntary, non-working-spouse, or OFW member generally notifies SSS through My.SSS, the mobile app, or another authorized SSS facility.

For employed members, the employer generally advances the full SSS maternity benefit within 30 days from filing of the maternity-leave application and later seeks reimbursement. The legally required salary differential is separate from the SSS benefit, subject to the exemptions under the Expanded Maternity Leave Law. Review the official SSS maternity-benefit guidance and Republic Act No. 11210 for the facts of the case.

Disability benefit

A member with permanent partial or permanent total disability may qualify if at least one monthly contribution was paid before the semester of disability. SSS—not the member or attending physician alone—determines whether the condition is compensable and the degree and duration of disability.

A member with at least 36 monthly contributions before the semester of disability may qualify for a monthly pension. Otherwise, the benefit is generally paid as a lump sum. A permanent partial disability assessed as payable for less than 12 months is also generally paid as a lump sum.

Prepare the Disability Claim Application, an SSS medical certificate completed by the attending physician within the required validity period, certified medical records, diagnostic results, operative reports, and valid identification. The appropriate filing time and medical evidence depend on the condition; some conditions require an observation or treatment period before evaluation. Consult the official SSS disability-benefit requirements rather than filing on a guessed date.

Retirement benefit

A member generally qualifies for a lifetime monthly pension after paying at least 120 monthly contributions before the semester of retirement and either:

Reaching age 60 and separating from employment or ceasing self-employment, OFW work, or household employment; or
Reaching age 65, whether still working or not.

Special retirement ages apply to qualified underground or surface mineworkers and racehorse jockeys.

A member who has fewer than 120 contributions at retirement age generally receives a lump sum representing contributions plus interest. The member may instead be allowed to continue paying as a voluntary member until completing 120 contributions, subject to SSS rules.

Most ordinary retirement claims can be filed through My.SSS, but branch filing may be necessary for cases involving guardianship, incapacity, certain outstanding loans, portability, a bilateral social-security agreement, or adjustment or re-adjudication. Review the official SSS retirement-benefit page.

Pension amounts must be confirmed from the member’s actual record. SSS began a three-year pension-reform program in September 2025, with scheduled annual increases for eligible retirement, disability, and survivor pensioners. Eligibility for each tranche depends on the program’s cut-off rules; do not apply a percentage manually without an SSS computation. See the official SSS pension-reform announcement.

Death benefit

Primary beneficiaries are generally the dependent spouse, until remarriage, and qualified dependent children. If there are no primary beneficiaries, dependent parents are secondary beneficiaries. In their absence, payment may pass to a properly designated beneficiary or, if none, to the legal heirs under succession law.

Primary beneficiaries may receive a monthly pension if the deceased paid at least 36 monthly contributions before the semester of death. If fewer than 36 were paid, the benefit is generally a lump sum. The rules and computation differ for secondary beneficiaries.

Beneficiary status is document-sensitive. Marriage, filiation, adoption, dependency, age, employment, incapacity, and competing claims can change the outcome. Obtain PSA or applicable foreign civil-registry documents and disclose all potentially qualified beneficiaries. See the official SSS death-benefit rules.

Funeral benefit

The person who actually paid the funeral expenses may claim, even if that person is not the death-benefit beneficiary.

For deaths covered by the current schedule, the benefit is:

A variable amount from ₱20,000 to ₱60,000 if the deceased member or pensioner had at least 36 contributions up to the month of death; or
₱12,000 if the deceased had at least one but fewer than 36 contributions.

An SSS-member claimant ordinarily files online through My.SSS. A non-member claimant files over the counter. Preserve the death certificate and receipts or other proof showing who paid the funeral expenses. Consult the official SSS funeral-benefit guidance for current documentary and online-upload requirements.

Unemployment benefit

This is a one-time cash benefit for a covered employee who is involuntarily separated for a qualifying reason. The member must generally:

Be not over 60 years old when involuntarily separated, subject to the lower statutory ages applicable to specified occupations;
Have at least 36 monthly contributions;
Have paid at least 12 of those contributions within the 18-month period immediately preceding involuntary separation; and
Have been separated for a qualifying cause not attributable to the employee’s fault.

The claim must be filed within one year from the date of involuntary separation. It is generally filed online through My.SSS, with the separation certified through the applicable employer or government process. A member can ordinarily claim only once every three years.

A later final decision finding a valid dismissal for just cause, reinstatement with back wages, or re-employment during the compensable period can result in deduction or recovery of the unemployment benefit. Read the official SSS unemployment-benefit rules.

Employees’ Compensation benefits

If sickness, injury, disability, or death is work-connected, the Employees’ Compensation Program may apply in addition to or instead of parts of the regular SSS process. Tell SSS and the employer that the condition may be occupational or work-related. Preserve the incident report, work schedule, accident investigation, medical records, job description, workplace-exposure evidence, and witness details.

How to file an SSS benefit claim

1. Confirm your eligibility period

Identify the exact contingency date: the start of sickness, childbirth or pregnancy loss, disability date recognized by SSS, retirement date, date of death, or date of involuntary separation. Then check the contributions relevant to that date.

Do not rely on a verbal estimate from an employer, recruiter, or payment outlet. Use the posted SSS record and keep a downloaded or printed copy.

2. Correct identity and civil-status errors

Names, birth dates, sex, civil status, parentage, beneficiaries, or duplicate SS numbers can block online filing or lead to the wrong beneficiary determination.

Simple corrections may be available through My.SSS. Other changes require a Member Data Change Request (SS Form E-4) and supporting civil-registry or identity documents at an SSS branch, foreign office, or service office. Use the current form from the official SSS forms page.

Never obtain a new SS number merely because you cannot access the old one. An SS number is for life. Ask SSS to recover or consolidate the correct record.

3. Enroll a disbursement account

Many benefit claims require an approved account in the Disbursement Account Enrollment Module under My.SSS. The account and proof of account should belong to the proper payee and should show matching details.

Depending on the benefit and available SSS channels, payment may be made through a qualified UMID or MySSS card enrolled as an ATM, a PESONet-participating account, an approved e-wallet, or an accredited payout channel. If crediting fails, correct the account in DAEM and use the Benefit Re-disbursement facility when available.

4. Collect benefit-specific documents

Requirements vary, but commonly include:

Valid government-issued identification
SSS claim or notification form
Medical certificate and supporting clinical records
PSA birth, marriage, or death certificates
Employment or separation certification
Proof of funeral payment
Guardianship, adoption, filiation, or incapacity documents
Disbursement-account proof
Foreign documents, with authentication or translation when required

Upload clear, complete images within the portal’s file limits. Keep the originals because SSS may require presentation or verification.

5. File through the proper channel

Use My.SSS where the benefit and circumstances allow online filing. File at an SSS branch or foreign representative office when the portal directs you to do so or when the case involves exceptions such as competing beneficiaries, guardianship, incapacity, foreign civil documents, portability, bilateral agreements, record inconsistencies, or re-adjudication.

Save the transaction number, confirmation page, email, uploaded files, and date of submission. Monitor the claim in My.SSS and respond promptly to requests for additional evidence.

How to correct missing or wrongly posted contributions

Missing employee contributions

If deductions appear on your payslips but the months are absent or understated in My.SSS:

Make a month-by-month list showing the employer, salary, amount deducted, and missing or incorrect posting.
Ask the employer or payroll office in writing to explain and correct the record.
Preserve the request and response.
Submit a contribution-verification or correction request to SSS. The official Request/Verification Form includes contribution correction, posting, adjustment, and refund concerns.
If the employer does not act, file a complaint or request assistance at an SSS branch’s Public Assistance and Complaints Desk.
If a benefit is already due, state that clearly and file or protect the benefit claim within its deadline while the contribution issue is being investigated.

Useful evidence includes:

Employment contract, appointment letter, or company ID
Payslips showing SSS deductions
Payroll registers or certificates of compensation
Bank records showing salary payments
BIR Form 2316
Time records, schedules, and attendance logs
Employer emails or messages
SSS payment receipts or contribution collection lists, if available
Proof of hiring and separation dates
Affidavits or contact details of knowledgeable co-workers

An employer may not shift its statutory contribution share to the employee. The employer is also responsible for correct reporting and remittance. Under Republic Act No. 11199, unpaid employer contributions carry a penalty of 2% per month from the due date until paid. Non-registration or non-remittance can also lead to civil and criminal liability. The employee’s benefit rights are not supposed to be prejudiced by the employer’s refusal or neglect to remit.

Wrong employer, month, amount, or SS number

Posting errors may arise from an incorrect SS number, misspelled name, duplicate record, wrong applicable month, underreported salary, or an employer’s reporting error. Ask SSS to determine whether the payment must be:

Posted to the correct member;
Moved to the correct applicable month;
Adjusted to the proper amount or monthly salary credit;
Consolidated from a duplicate SS record; or
Refunded or reapplied under the applicable rules.

Do not alter receipts or submit reconstructed documents as originals. Explain any discrepancy and provide the best available independent records.

Self-employed, voluntary, and OFW payments

These members should generate a valid Payment Reference Number and pay through an authorized channel. Verify that the payment is posted to the intended period and membership type.

Retroactive contributions are generally not allowed merely to create eligibility after a contingency has occurred. The law permits only the specific exceptions allowed by SSS rules. Before paying for an earlier period, generate the proper PRN and confirm that SSS legally accepts payment for that period and category.

Contributions paid after the contingency

A genuine late posting of an employer contribution attributable to employment before the contingency is different from a member trying to buy retroactive eligibility afterward. Give SSS evidence of the actual employment, deduction, salary, and payment or reporting history. SSS must determine whether the contribution should be credited and how it affects the benefit.

What if missing employer contributions reduced the benefit?

Republic Act No. 11199 provides important protection. If an employer misrepresented the employment date, underreported the required contribution, or failed to remit a contribution due before the contingency—and that failure reduced the benefit—the employer may be assessed damages equivalent to the difference between the proper benefit and the amount based on contributions actually remitted.

If an employer failed to report the employee before death, sickness, disability, or retirement, the employer may likewise face damages based on the benefit that would otherwise have been payable, subject to statutory conditions and exceptions. These liabilities are assessed and enforced through SSS procedures; the employee should not privately calculate or collect them as if they were ordinary unpaid wages.

Ask SSS for a written determination connecting the contribution discrepancy to the benefit computation.

If SSS denies or underpays the claim

Read the written notice carefully. Identify whether the problem is:

Insufficient qualifying contributions;
Late notification or filing;
A disputed contingency date;
Missing medical or civil-registry evidence;
Incorrect membership or employment records;
An unresolved beneficiary issue;
A disbursement-account failure;
A deduction for an SSS loan or prior benefit; or
A finding that the condition or separation is not compensable.

Request the written computation or basis of denial and submit a documented request for reconsideration or re-adjudication through the indicated SSS office. Observe the deadline stated in the notice.

A dispute that is not resolved administratively at the operating-office level may require a petition before the Social Security Commission under its procedural rules. A final SSC decision may be reviewed by the Court of Appeals under Rule 43 of the Rules of Court, subject to strict filing periods and procedural requirements. Obtain legal advice promptly once a formal adverse decision is issued; do not let an appeal period expire while pursuing informal follow-ups.

The 2016 SSC Rules of Procedure include procedures and petition templates for matters such as denied claims and correction of SSS entries.

Common mistakes to avoid

Waiting for an employer to fix the record while a claim deadline expires
Looking only at total contributions instead of the relevant qualifying period
Paying retroactive voluntary contributions without confirming that SSS permits them
Creating a second SS number
Using another person’s bank or e-wallet account when the payee must own the account
Uploading cropped, blurred, expired, or inconsistent documents
Omitting a spouse, child, prior marriage, or competing beneficiary
Treating a medical diagnosis as an automatic SSS disability finding
Assuming resignation, end of contract, or dismissal for just cause automatically qualifies for unemployment benefit
Discarding payslips after noticing that contributions are missing
Paying a fixer to process a claim

The Social Security Act prohibits agents or other persons from charging a fee merely for preparing, filing, or pursuing an SSS benefit claim. A Philippine lawyer who formally appears in a case heard by the Commission is subject to the separate statutory rule on attorney’s fees. Transact only through official SSS channels.

When help is urgent

Seek immediate assistance from SSS—and legal advice when appropriate—if:

A sickness-notification or unemployment-claim deadline is close;
A member has died and there are competing spouses, children, or other claimants;
The employer denies that an employment relationship existed;
Years of contributions are missing or were posted under another SS number;
Missing contributions are preventing a current medical, maternity, disability, retirement, or death claim;
SSS has issued a formal denial, refund demand, overpayment notice, or final decision;
Documents contain conflicting names, dates, marriages, parentage, or nationality information;
The claimant is incapacitated, under guardianship, detained, or abroad; or
There are signs that somebody filed or changed a claim without authorization.

For official assistance, use the SSS website, call 1455, email usssaptayo@sss.gov.ph, or visit an SSS branch, foreign office, or service office. Confirm branch schedules and documentary requirements before travelling.

Frequently asked questions

Can I claim if my employer deducted SSS contributions but did not remit them?

Potentially, yes. The law says an employer’s failure or refusal to remit must not prejudice a covered employee’s right to benefits. You still need to prove the employment, relevant salary, deductions, and contingency, and SSS must adjudicate the claim and delinquency.

Can I pay missing months now to qualify?

Not automatically. Retroactive contributions are generally prohibited for self-employed and voluntary payments except where SSS rules specifically allow them. An employer’s correction of contributions genuinely due for past employment is a different matter and must be processed through SSS.

Can I file the benefit while contribution correction is pending?

Often, and sometimes you should do so to protect a filing deadline. Inform SSS in writing that the eligibility or computation depends on a pending contribution dispute. Obtain proof that both matters were filed.

How long does SSS take to decide?

Processing time depends on the benefit, filing channel, completeness of documents, medical evaluation, record discrepancies, and whether competing claims exist. The current SSS Citizens’ Charter gives service-specific processing standards, but the clock may not run while required documents or outside certifications are incomplete.

Are SSS benefits taxable?

Benefit payments under the Social Security Act are generally exempt from taxes, fees, and charges. They are also generally protected from attachment, garnishment, levy, or seizure, except for debts owed by the member to SSS.

Will an unpaid SSS loan affect my benefit?

It can. Outstanding member loans may be deducted from retirement or other benefit proceeds under applicable SSS rules. Check your loan record and the claim computation.

What if the employer has already closed?

File the discrepancy with SSS anyway. Submit all records in your possession and information identifying the employer, owners, officers, business address, and employment period. Closure does not by itself erase contributions that were legally due.

Should I use the contribution table in effect today for old missing months?

No. Liability and the proper monthly salary credit ordinarily depend on the law, contribution schedule, salary, and membership category applicable to each missing month. Current rates should not simply be applied to earlier periods.

Official legal and procedural sources

This article provides general legal information, not advice for a particular claim or dispute. Eligibility and benefit amounts depend on the member’s actual SSS record, the contingency date, and supporting documents. Official sources and procedures were checked as of July 27, 2026.