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Taxes & IncomeSSS

SSS Sickness Benefit Calculator

SSS pays 90% of your daily salary credit for every approved day you were confined — see the amount before you file, and whether your claim clears the rules.

Your Claim Details

₱

Average across your 6 highest-earning months in the 12 months before the semester you got sick.

Posted contributions inside the 12 months before the semester of sickness — not your lifetime total.

Days certified by your doctor, at home or in hospital. Four is the minimum SSS will pay for.

Days from earlier claims in the same calendar year. Leave at 0 if this is your first.

10 payable days

Estimated total benefit

₱5,400.00

Monthly Salary Credit

₱18,000

Avg. Daily Salary Credit₱600.00
Daily Allowance (90%)₱540.00
Allowance × 10 days₱5,400.00

What the SSS sickness benefit actually replaces

The sickness benefit is not sick leave. Your company sick leave is a separate, employer-funded benefit, and SSS expects you to burn through all of it first before this one kicks in[1]. What SSS pays is a daily cash allowance equal to 90% of your Average Daily Salary Credit (ADSC) for every approved day you were unable to work — a partial income replacement, not your full salary.

Your employer pays that allowance out on your normal payroll dates and then files for reimbursement from SSS afterward[1]. You're not waiting on a government release to see the money. Self-employed and voluntary members skip that step and get paid by SSS directly.

The formula, step by step

  1. SSS takes the six highest Monthly Salary Credits in the 12 months before the semester you got sick, and adds them up.
  2. It divides that sum by 180 — 30 days times 6 months — giving your Average Daily Salary Credit.
  3. It multiplies the ADSC by 90% to get your daily sickness allowance.
  4. It multiplies that daily allowance by the number of approved days of confinement.

This tool assumes your salary credit was roughly flat across those six months, so the sum collapses to one MSC times six. If your salary moved a lot — a raise, a gap in contributions, a job change — treat the number above as a close estimate rather than the figure SSS will settle on.

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Why the benefit stops climbing at a ₱20,000 salary creditContributions are deducted on a Monthly Salary Credit that runs up to ₱35,000, but only the first ₱20,000 of it funds the Regular SS Program — the pot sickness, maternity, and disability benefits are paid from. Everything above that goes into the Mandatory Provident Fund, a separate retirement account. So the highest possible daily allowance is ₱600, and the most anyone can draw in a single year is ₱72,000, no matter what they earn.

The four rules that decide your claim

RuleWhat it means
3 contributionsPosted within the 12 months before the semester of sickness.
4 days minimumShorter confinements pay nothing — a two-day fever is your company's problem, not SSS's.
Sick leave exhaustedAll paid company sick leave for the year has to be used up first, if you're employed.
Notice on timeHome confinement: tell your employer within 5 calendar days of the first day. Hospital confinement needs no advance notice from you.

Two ceilings sit on top of those rules. You can draw a maximum of 120 days in one calendar year, and unused days never roll into the next. And SSS will not pay past 240 days for the same illness — past that point the claim stops being a sickness claim and becomes a disability claim instead[1]. The full filing walkthrough is in the SSS sickness benefit guide.

Frequently Asked Questions

Can I get the SSS benefit and my company sick leave for the same days?▼
No — they run in sequence, not in parallel. SSS requires that your paid company sick leave for the current year is already used up before the sickness benefit applies. In practice your first several sick days are covered at full pay by your employer, and only the days beyond that get the 90% SSS allowance.
I was sick for 3 days. Why does the calculator show nothing?▼
The sickness benefit has a hard 4-day floor. A confinement of three days or fewer isn't payable at all — not at a reduced rate, not partially. The clock counts calendar days of certified confinement, whether at home or in a hospital.
I earn ₱35,000. Why is my salary credit capped at ₱20,000?▼
Because the sickness benefit is paid out of the Regular SS Program, and that program's salary credit stops at ₱20,000. The contribution taken from a ₱35,000 salary is larger, but the extra funds your Mandatory Provident Fund account instead — a separate retirement pot you collect later, not something that raises a sickness claim. See the 2026 contribution table guide for how that split works.
Does maternity leave eat into my 120 sickness days?▼
No. The maternity benefit is a separate entitlement with its own day count and its own formula — 100% of ADSC rather than 90%. Run that one through the SSS maternity benefit calculator.

References

  1. Social Security System — Sickness Benefit, eligibility conditions, the 90% ADSC computation, and the 120-day and 240-day limits.
  2. SSS Circular No. 2020-032 — sets the Regular SS Program salary credit used for benefit computation at a maximum of ₱20,000, with the excess directed to the Mandatory Provident Fund.
  3. Republic Act No. 11199, the Social Security Act of 2018 — governs the Monthly Salary Credit structure and the sickness benefit entitlement.

Last updated: July 4, 2026

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