SSS

COVERAGE:
1. compulsory upon all employees not over 60 years of age and their employers
2. in case of domestic helpers, their monthly income should not be less than P1,000
3. compulsory upon such self-employed persons as provided for by this law
LIMITATION: any benefit already earned by the employees under private benefit plans existing at the
time of approval
of the Act shall not be discontinued, reduced or otherwise impaired.
VOLUNTARY:
1. spouses who devote full time to managing the household and family affairs, unless they are also engaged in
other vocation or employment which is subject to mandatory coverage may be covered by SSS on a voluntary
basis
2. Filipinos recruited by foreign based employers for employment abroad may be covered by SSS on a voluntary
basis
3. Employees separated from employment may continue to pay contributions to maintain his right to full
benefits.
4. self-employed with no income
EXCLUDED EMPLOYMENT:
1. employment purely casual and not for the purpose of occupation and business of the employer
2. service performed on or in connection with an alien vessel by an employee if he is employed when such vessel
is outside the Phil
3. service performed the employ of the Phil Govt
4.services performed by temporary employees
EFFECTIVE DATE OF COVERAGE:
Employer upon the first day of his operation
Employee on the day of his employment
Self-employed it shall take effect upon his registration with SSS
BENEFICIARIES the dependent spouse until he or she remarries, (the dependent legitimate, legitimated or
illegitimate child who shall be the primary beneficiaries of the member) 50%
In the absence of the dependent legitimate, legitimated or legally adopted (illegitimate 100%)
In their absence the dependent parents = secondary beneficiaries

In the absence of all any person designated by covered employee as secondary beneficiary
BENEFITS:
1. Monthly Pension
2. Dependents Pension
3. Retirement Benefits (SUSPENSION OF M.P upon the reemployment of self-employment of a retired
employee who is less than 65 years old
5. Death Benefits
6. Permanent Disability
7. Funeral equivalent to P12,000 shall be paid in cash or in kind
8. Sickness
9. Maternity it shall be paid to a female employee who has paid at least 3monthly contributions in the 12th
month period immediately preceding the semester of his childbirth or miscarriage PROVIDED:
*the employee shall have notified her employer of her pregnancy and the probable date of her
childbirth w/c notice shall be transmitted to the SSS
*the full payment shall be advanced to the ER w/n 30 days from the filing of the MLA
*payment of daily maternity benefits shall be a bar to recovery of sickness benefits
*shall be paid for the 1st for 4 deliveries or miscarriage
*SSS shall pay 100% of the benefits advanced by the latter
*if no contributions were remitted by the employer to the SSS = liable EQUAL to the EE entitled
benefits
REMITTANCE it shall be remitted w/n the first 10 days of each calendar month following the month for which
they are applicable. For self-employed they shall remit it quarterly
GSIS

COMPULSARY MEMBERSHIP for all EEs receiving compensation who have not reached the compulsory
retirement age, irrespective of employment status, EXCEPT members of the AFP and PNP, subject to the
condition that they may settle first their financial obligations w/ the GSIS and contractuals who have no ER and
EE relationship w/ the agencies they serve.
Except for the members of the judiciary and consti commission who shall have life insurance only, all members
of the GSIS shall have the life insurance, retirement and all other social security protection such as disability,
survivorship, separation and unemployment benefits.

DEPENDENTS:
1. the legitimate spouse dependent for support upon the member or pensioner
2. the legitimate, legitimated, including [illegitimate child who is (unmarried, not gainfully employed, not over
the age of majority, or is over the age of majority but incapacitated and incapable of self support due to mental
or physical acquired prior to age of majority)]
3. parents dependent upon the member for support
PRIMARY BENE legal dependent spouse until he/she remarries
SECONDAEY BENE the dependent parents subject to the restrictions on dependent children
BENEFITS:
Separation benefits are given to the:
1. the member resigns or separates from the service after he has rendered at least 3 years of service but
less than 15 years or
2. the member resigns or separates from office after he has rendered at least 15 years of service and
below 60 years of age at the time of resignation or separation
3. separation benefits also include UNEMPLOYMENT or INVOLUNTARY SEPARTION BENEFITS: shall be
paid to permanent employee who is involuntarily separated from the service due to abolition of his
office provided that he has been paying integrated contributions for at least 1 year prior to separation.
NOTE: in the absence of primary beneficiaries, the second beneficiaries shall be entitled to cash payment
equivalent to 100% of his average monthly compensation for each year of service he paid contributions, but not
less than 12,000 provided that the member is in service at the time of his death and has at least 3 years of
service.
In the absence of secondary beneficiaries it shall be to the legal heirs
FUNERAL BENEFITS not less than 12,000 provided that it shall be increased to at least 18,000 after five years
and shall be paid upon death
LIFE INSURANCE BENEFITS all employees except members of the AFP and PNP