Philippines · Guide
Who can get an SSS retirement pension?
You qualify for a monthly SSS pension at 60 if you have stopped working, or at 65 regardless, provided you have at least 120 monthly contributions, as at 12 October 2026.
Key facts at a glance
- Optional retirement: age 60, separated from work.
- Technical retirement: age 65, working or not.
- Underground and surface mine workers may retire from 55.
- Fewer than 120 contributions means a lump sum, not a pension.
- 2025 contribution rate: 15% of salary credit.
All figures correct as at 12 October 2026, sourced from the SSS, GSIS and DSWD. Next review: 1 September 2027.
Eligibility at a glance
| Age | Work status | 120+ contributions | Under 120 |
|---|---|---|---|
| 60–64 | Must have stopped working | Monthly pension | Lump sum |
| 65+ | Any | Monthly pension | Lump sum |
OFWs, self-employed and voluntary members follow the same rules; the contributions just need to be posted to your SSS record.
Frequently asked questions
How many contributions do I need for an SSS pension?
At least 120 monthly contributions (10 years) paid before the semester of retirement.
What if I have fewer than 120 contributions?
SSS pays a one-time lump sum equal to the total contributions paid by you and your employer, plus interest. You can also keep contributing as a voluntary member to reach 120.
Can I claim at 60 if I'm still working?
No. At 60 to 64 you must be separated from employment or have stopped self-employment. From 65 you can claim whether or not you still work.
What are the 2025 contribution rates?
15% of your monthly salary credit — 5% from the employee and 10% from the employer — on salary credits from ₱5,000 to ₱35,000.
Researched and fact-checked by
researches Australian retirement and social security policy full time. Not a licensed financial adviser — every figure on this page is sourced from the SSS, GSIS and DSWD or the Social Security Act of 2018 (RA 11199), RA 8291 and RA 9994 as amended by RA 11916.
Last reviewed: 12 October 2026
Figures as at: 12 October 2026
Next review: 1 September 2027
Change log: Reviewed 12 October 2026; figures checked against official sources correct as at 12 October 2026.