SSS Disability Benefit Calculator

Two questions decide what you get

The SSS disability benefit isn't one benefit. It's four outcomes, and which one you land on is settled by two independent questions: is the disability permanent total or permanent partial, and did you have 36 contributions posted before the semester of disability^[1]?

One thing is constant across all four: you need at least one contribution posted before the semester of contingency to qualify for anything at all^[1]. That's a far lower bar than the sickness or unemployment benefits, and it's worth knowing if you were only a few months into a job.

What counts as permanent total

SSS doesn't leave this to interpretation. Four conditions are listed as permanent total by statute, plus a catch-all^[2]:

• Complete loss of sight of both eyes
• Loss of two limbs at or above the ankle or wrist
• Permanent complete paralysis of two limbs
• Brain injury resulting in incurable imbecility or insanity
• Such other cases as determined and approved by the SSS

Everything else that's permanent — a single hand, one leg, the hearing in one ear — is permanent partial. A hysterectomy or the removal of ovaries also counts as partial, but only if you were under 45 at the time of the operation^[1]. Note that separate, unrelated partial disabilities don't stack — but related, deteriorating ones do, up to 100%, at which point you're treated as permanently totally disabled^[2].

The partial disability schedule

For a partial disability, the pension doesn't run for life. It runs for a fixed number of months set by which body part you lost, straight out of Section 13-A(f) of the Social Security Act^[2]. The percentage column is the same figure expressed as a share of the whole body: months divided by 75, rounded up.

Anything not on that list — a spinal injury, a partial amputation, the loss of a uterus — is rated case by case by the SSS Medical Evaluation Department, which assigns its own number of months. If you already have your evaluation, pick Something else in the calculator above and type the months in.

What lands in your account every month

A disability pensioner gets more than the pension formula produces. Three separate amounts ride on top^[1]:

• ₱1,000 additional benefit, paid to disability pensioners since January 2017.
• ₱500 supplemental disability allowance — this one goes to both total and partial disability pensioners, to cover the extra costs the disability itself creates.
• Dependent's pension — 10% of the monthly pension or ₱250, whichever is higher, for up to 5 children, counted from the youngest. This is total disability only. The children of a partial disability pensioner get nothing.

There's also a 13th month pension every December. A total disability pensioner always gets it; a partial disability pensioner only if the pension period runs at least 12 months^[1].

Why the calculator caps your salary at ₱20,000

The pension runs on your Average Monthly Salary Credit, not your salary, and the Regular SS Program salary credit stops at ₱20,000^[4]. Contributions are collected on a credit running to ₱35,000, but the slice above ₱20,000 funds the Mandatory Provident Fund — a separate investment account that pays out on its own terms and never enters this formula. The 2026 contribution table guide maps the split bracket by bracket.

Things that stop the pension

A permanent total disability pension is not unconditionally permanent. SSS suspends or cancels it if you are re-employed, resume self-employment, recover from the disability, or fail to appear for the annual examination under the ACOP programme^[1]. A partial disability pension ends when the scheduled months run out, or earlier if you retire or die.

A useful detail buried in the statute: the months you spend on a partial disability pension count as paid contributions when SSS later works out your retirement, death, or total disability benefit — based on your last contribution before the disability^[2]. You don't lose ground on your retirement pension while you're on partial disability.

The full filing process — the DisCA form, the medical certificate deadline, and what to do when your degree of disability is rated lower than you expected — is in the SSS disability benefit guide.

Frequently Asked Questions

References

1. Social Security System — Disability Benefit: qualifying conditions, the list of permanent total and permanent partial disabilities, the ₱1,000 / ₱1,200 / ₱2,400 minimum pensions, the ₱1,000 additional benefit, the ₱500 supplemental disability allowance, the dependent's pension, the 13th month rules, and suspension on re-employment or ACOP failure.
2. Republic Act No. 11199 (Social Security Act of 2018), Section 13-A — permanent disability benefits, the 36-contribution threshold, the lump sum formulas, the schedule of months by body part in 13-A(f), the months-over-75 degree of disability in 13-A(g), and the under-12-month lump sum rule in 13-A(h). Section 12 supplies the three-formula monthly pension.
3. Social Security System — SSS begins early June rollout of 2026 pension hike: the second tranche of the Pension Reform Program, 10% for retirement and disability pensioners, effective 1 June 2026.
4. SSS Circular No. 2020-032 — sets the Regular SS Program salary credit used in benefit computation at a maximum of ₱20,000.
5. Social Security System — Employees' Compensation Program: the separate EC disability benefit, the ₱1,150 additional benefit and the ₱1,000 monthly carer's allowance for permanent disability.