SSS Sickness Benefit Calculator
Wondering how much sickness benefit you’ll receive from SSS? Whether you’re an employee or a voluntary member, our SSS sickness benefit calculator Philippines gives you instant, accurate results using the official formula: (MSC × 90%) ÷ 180 × number of days. Plan your claim with confidence.
Quick calculator: compute SSS sickness benefit
How is SSS sickness benefit calculated? (Official 2026 method)
The Social Security System (SSS) uses your Monthly Salary Credit (MSC) based on your posted contributions. The daily sickness benefit allowance is equivalent to 90% of your average daily salary credit (ADSC). The exact formula:
For example: If your MSC is ₱20,000, daily benefit = (20,000 × 0.9) ÷ 180 = ₱100/day. For 15 sick days, total = ₱1,500. The maximum benefit period is 120 days per year, and you must have paid at least 3 months of contributions within the 12-month period before the semester of sickness.
2026 update: MSC ceiling remains at ₱30,000 (as per latest SSS circular). All computations now reflect the current contribution table. Voluntary members also qualify by paying the appropriate MSC based on their declared monthly earnings.
SSS Monthly Salary Credit (MSC) & corresponding daily sickness benefit
| MSC Bracket (₱) | Daily Sickness Benefit (₱/day) | Monthly Contribution (approx) |
|---|---|---|
| 2,000 - 2,499 | ₱10.00 | ₱200.00 |
| 2,500 - 2,999 | ₱12.50 | ₱250.00 |
| 3,000 - 3,499 | ₱15.00 | ₱300.00 |
| 4,000 - 4,999 | ₱20.00 | ₱400.00 |
| 5,000 - 5,999 | ₱25.00 | ₱500.00 |
| 7,000 - 7,999 | ₱35.00 | ₱700.00 |
| 10,000 - 10,999 | ₱50.00 | ₱1,000.00 |
| 15,000 - 15,999 | ₱75.00 | ₱1,500.00 |
| 20,000 - 20,999 | ₱100.00 | ₱2,000.00 |
| 25,000 - 25,999 | ₱125.00 | ₱2,500.00 |
| 30,000 (max) | ₱150.00 | ₱3,000.00 |
📌 Quick tip: Higher MSC = higher daily benefit. Ensure your employer reports your true salary, or if voluntary, declare an MSC that matches your capacity—but remember contributions increase accordingly.
Sample SSS sickness benefit calculations (real cases)
- Employee case (MSC ₱12,000, 10 days confinement): Daily = (12,000×0.9)/180 = ₱60/day → Total ₱600.
- Voluntary member (MSC ₱8,000, 21 days): Daily = ₱40/day → ₱840 total benefit.
- High-income earner (MSC ₱30,000, 30 days): Daily = ₱150/day → ₱4,500 total claim.
Exclusive checklist: How to ensure fast claim approval
- ✓ File sickness notification via My.SSS (Sickness Notification Form) within 5 calendar days from start of confinement.
- ✓ Provide complete medical records (doctor’s statement, hospital records).
- ✓ For employed members, employer must certify the period of absence.
- ✓ Voluntary members can file directly using SSS digital portal—no employer needed.
- ✓ Double-check that you have at least 3 monthly contributions in the last 12 months before the semester of illness.
2026 enhancement: SSS now offers faster e-filing via the updated SSS Mobile App; reimbursement can be credited to your UMID/Disbursement account within 7 banking days after approval.
Who can claim & important conditions
Both employed and voluntary members (including OFWs and self-employed) can avail of sickness benefit if they meet contribution requirements. The benefit is intended to compensate for income loss due to illness or injury. Key conditions:
- Confinement period: At least 4 days of sickness or injury requiring hospitalization or home confinement (certified by physician).
- Maximum days: Up to 120 days in one calendar year; separate illnesses can be combined.
- No salary during sick leave: For employed members, the benefit applies only if the employer does not pay full salary during absence.
- EC Sickness Benefit: For work-related illness, additional 10% may be granted (Employees' Compensation Program). Use EC-specific forms.
Step-by-step: Calculate SSS sickness benefit yourself
- Find your Monthly Salary Credit (MSC) from your SSS contribution record (My.SSS portal).
- Multiply MSC by 0.90 (90%).
- Divide the result by 180 → this is your daily sickness benefit rate.
- Multiply by the number of approved days you were unable to work (doctor-certified).
- Ensure total does not exceed 120 days per year.
Example for voluntary member: MSC = ₱9,500 → (9,500×0.9)/180 = ₱47.5/day. For 12 days, total = ₱570. Use our calculator to verify instantly.
Frequently asked questions
Maximum of 120 days per calendar year. You can claim separate illness episodes, but the total combined days cannot exceed 120.
Yes, as long as you have at least 3 monthly contributions within the 12-month period before the semester of sickness and you are not receiving salary from any employer during the confinement.
Regular sickness benefit covers any illness/injury (non-work related). EC (Employees' Compensation) provides an additional 10% on top of the regular benefit if the illness is work-related and requires extra filing.
The MSC used is the combined reported salary credits (up to the max ₱30,000 ceiling). The computation follows the same formula but must be coordinated with each employer.
Yes. The tool reflects the current MSC range and formula prescribed by SSS for 2026. For any new circular, we update accordingly.
Yes. Members must submit sickness notification within 5 calendar days from the start of illness. Late notification may result in reduced or delayed benefits.
SSS Sickness Benefit Application (SBA) form, doctor’s statement with dates, employer certification (if employed), and proof of contribution payments (digital record).
Important notice
This SSS sickness benefit calculator provides estimates based on the standard SSS formula. Actual benefit amounts depend on contribution compliance, approval by SSS, and completeness of documents. TotalCalcHub is not affiliated with SSS; always verify with official SSS channels or your employer.