SSS to Roll Out Historic Pension Reform Program Starting September 2025; Three-Year Pension Increase to Benefit All Types of Pensioners

by Info @Brand Zone | August 1, 2025

The Social Security System (SSS) will implement a landmark Pension Reform Program starting September 2025, in line with the directive of President Ferdinand R. Marcos Jr. and following the discussion of Finance Secretary Ralph G. Recto with the President on the matter.  Supported by comprehensive actuarial studies, the program features a structured, three-year increase in pensions for all SSS pensioners – the first multi-year adjustment of its kind in the institution’s 68-year history.

The SSS Pension Reform Program was approved by the Social Security Commission (SSC) under Resolution No. 340-s.2025 dated 11 July 2025.  Corresponding SSS Circular on the Program shall be published accordingly in a newspaper of general circulation.

Anchored on Republic Act No. 11199 (Social Security Act of 2018), particularly Section 4 empowering the SSC to adjust pension benefits, this reform answers the long-standing call for higher pensions while ensuring the fund’s long-term stability.

“We’ve heard the clamor for higher pensions loud and clear,” said SSS President and CEO Robert Joseph M. De Claro. “With the guidance of Finance Secretary and SSC Chairperson Ralph G. Recto, and after careful actuarial review, we are rolling out a rational and sustainable pension increase that uplifts all pensioners without compromising the fund’s actuarial soundness.”

Pension Increases from 2025 to 2027

The increases will be implemented in three annual tranches every September:

• September 2025 (for pensioners as of 31 August 2025):

  • 10% increase – Retirement and Disability Pensioners

  • 5% increase – Death or Survivor Pensioners

• September 2026 (for pensioners as of 31 August 2026):

  • Additional 10% increase – Retirement and Disability Pensioners

  • Additional 5% increase – Death or Survivor Pensioners

• September 2027 (for pensioners as of 31 August 2027):

  • Additional 10% increase – Retirement and Disability Pensioners

  • Additional 5% increase – Death or Survivor Pensioners

After three years, pensions will have increased by approximately 33% for retirement/disability pensioners and 16% for death/survivor pensioners.

Sample Pension Increases (2025-2027)

The table below illustrates the estimated pension increases for sample cases over the three-year implementation period (2025–2027).

Reform Principles

The program is guided by three principles:

• Uplifting all pensioners through inclusive benefit adjustments.

• Recovering from inflation to protect purchasing power.

• Promoting the value of working, saving, investing, and prospering, as mandated by RA 11199.

Impact and Financial Sustainability

According to the SSS Chief Actuary, the reform will result in only a manageable reduction of fund life from 2053 to 2049, offset by stronger cash flows from previous contribution reforms and enhanced collection efforts.

“Our actuarial team confirms that the fund remains financially sound,” De Claro stressed. “We are committed to restoring fund life back to 2053 through coverage expansion and improved collection efficiency.”

The reform will benefit over 3.8 million pensioners, including 2.6 million retirement/disability pensioners and 1.2 million survivor pensioners, and is projected to inject ₱92.8 billion into the economy from 2025 to 2027.

No Contribution Increase

This Pension Reform Program (PRP) will not necessitate any contribution increase unlike the ₱1,000 additional benefit allowance given to all pensioners starting 2017 that immediately required contribution increases to restore financial stability to the SSS fund.

The SSS Pension Reform Program of 2025 marks a historic step toward a more inclusive and responsive social security system—one that protects the dignity and well-being of Filipino retirees and their families.

Contribution Subsidy Provider Program, tulong sa SSS members na ipagpatuloy ang paghuhulog

by Info @Buti na lang may SSS | July 27, 2025

Dear SSS,

Magandang araw! Ang Corporate Social Responsibility Unit ng aming kumpanya ay nagnanais makatulong sa mga miyembro ng SSS na hindi nakapagpatuloy ng paghuhulog nila ng buwanang kontribusyon sa SSS. Kaya nais sana naming malaman kung ano ang bagong ninyong program na tinatawag na Contribution Subsidy Provider Program? Salamat.  — Lani, Taguig City

---

Mabuting araw sa iyo, Lani!

Inilunsad ng SSS noong 2022 ang Contribution Subsidy Provider Program o CSPP upang matulungan ang mga miyembro na hindi nakapagpatuloy ng paghuhulog nila ng buwanang kontribusyon dahil na rin sa kakulangang pinansyal.

Sa ilalim ng CSPP, hinihikayat ng SSS ang mga indibidwal at grupo nai-subsidize nila ang buwanang kontribusyon ng mga SSS member lalo na ang mga miyembro na nahihirapang ipagpatuloy ang kanilang paghuhulog. Tatawaging silang contribution subsidy provider.

Sa pamamagitan ng programang ito, nagtutulungan ang SSS at contribution subsidy provider upang maipagpatuloy ng mga self-employed, land-based overseas Filipino workers (OFWs), o voluntary member ang paghuhulog ng SSS contributions at mabigyan sila ng nararapat na social security coverage. 

Ang contribution subsidy provider ay maaaring galing sa pribadong o pampublikong sektor. 

Sa ilalim ng program, babayaran ng contribution subsidy provider ang hindi bababa sa anim na buwang kontribusyon ng napili niyang SSS member. Kaya, kung ang inyong kumpanya ay nagnanais maging isang contribution subsidy provider, bibigyan kayo ng SSS ng Certification with Undertaking o Memorandum of Agreement (MOA) at ituturing na kayong isa sa mga coverage at collection partner ng ahensya.

Online ang registration para rito. Maaari ninyong bisitahin ang aming website, www.sss.gov.ph. Hanapin ang “Be a Contribution Subsidy Provider” at i-click ang “Apply”. Punan mo ang mga kinakailangan impormasyon upang maging ganap kayong contribution subsidy provider.  

Maaari ninyong bayaran ang kontribusyon ng inyong napiling miyembro o mga miyembro sa tellering facilities na nasa mga sangay ng SSS o sa mga SSS-accredited collection partner.

Hinahangad ng SSS na sa tulong ng mga indibidwal o grupo na may mabuting kalooban ay maiabot natin ang SSS coverage sa mga manggagawa sa informal sector at mga land-based OFWs. Ang mga manggagawang ito ang may pinakamababang social security coverage sa ating workforce sa kabila na sila ay kabilang sa pinaka-vulnerable na sektor ng lipunan.

Halimbawa ng CSPP ay ang kasunduan na nilagdaan nina SSS President at Chief Executive Officer Robert Joseph Montes de Claro at DoubleDragon Chairman Edgar “Injap” Sia II noong Marso upang i-subsidize ang SSS contributions ng 2,000 informal sector workers mula sa mga lungsod ng Iloilo at Roxas sa loob ng 12 buwan. Dagdag pa rito, ang Life Builder Fellowship, isang church organization sa Central Luzon ay sumali na rin sa CSPP noong Mayo upang bigyan ng social security protection ang kanilang 10 church volunteers. Nakibahagi na rin sa programa ang iba pang LGUs gaya ng Victorias City para bigyan ng isang taong subsidiya ang 495 barangay health workers at 26 nutrition scholars para sa kanilang SSS contributions. 

Ang pagsubsidiya sa kontribusyon ng isang SSS member ay itinuturing ng SSS na pinakamagandang regalo na maaaring mabibigay ng isang Pilipino sa kapwa niya Pilipino.

***

Patuloy na tumatanggap ng aplikasyon ang SSS para sa bagong loan penalty condonation program nito. Inilunsad ang Consolidation of Past Due Short-Term Member Loans with Condonation of Penalty Program (Conso Loan) para tulungan ang mga miyembro na mayroong past-due loans sa SSS. Sa ilalim ng programa, hindi na sisingilin ang kaukulang penalties o multa ng kanilang past-due loans. Sa halip, ang tangi na lamang nilang babayaran ay ang orihinal o principal amount at interes nito.

Sakop ng ConsoLoan ang salary loan, calamity loan, Salary Loan Early Renewal Program (SLERP), emergency loan at restructured loans gaya ng Loan Restructuring Program (LRP) noong mga nakaraang taon.

Samantala, maaari nilang bayaran ang prinsipal at interes sa pamamagitan ng one-time full payment, o kaya’y bayaran kahit 10% nito bilang down payment at ang natitirang balanse ay babayaran ng installment sa loob ng hanggang 60 buwan o limang taon, depende sa halaga ng kanilang pagkakautang.

---

Upang makapagrehistro sa My.SSS, maaari kang magtungo sa SSS website (www.sss.gov.ph) at magparehistro sa Member portal. Kailangang punan mo ang lahat ng kinakailangang impormasyon. Tandaan na ang irerehistrong e-mail address ay kailangang aktibo at nagagamit pa dahil dito ipadadala ng SSS ang link para i-activate at magamit mo ang iyong My.SSS account. 

---

Para sa tamang impormasyon at updates sa mga programa at benepisyo ng SSS, bisitahin at i-follow ang opisyal na Facebook page ng SSS sa “Philippine Social Security System - SSS” o sa X, ang dating Twitter, sa @PHLSSS. Maaari ring mag-subscribe sa YouTube channel sa “MYSSSPH”, at sumali sa SSS Viber Community, “MYSSSPH Updates”. Maaari kayong magpadala ng inyong concerns at katanungan sa usssaptayo@sss.gov.ph.

SSS to issue revised Calamity Loan Program (CLP) guidelines – lowering interest rate to 7%, renewal allowed after 6 months, streamlined activation process for timely financial assistance

by Info @Brand Zone | July 23, 2025

The Social Security System (SSS) announced today that it will be issuing the revised Calamity Loan Program (CLP) guidelines aimed at helping members in areas declared under State of Calamity (SOC) due to various natural disasters, including Tropical Storm Crising which struck various parts of the Philippines with strong winds and rain showers.

Enhanced financial assistance – lower interest rate and renewal allowed after 6 months

“Following through on the announcement of His Excellency President Ferdinand R. Marcos, Jr. last 1 May 2025 on the reduction of interest rates for salary and calamity loans, we proposed and obtained approval of the Social Security Commission, headed by our Chairperson Finance Secretary Ralph G. Recto, to reduce interest rates for calamity loans to 7% per annum from the current rate of 10%.  This follows the reduction of interest rate for salary loans to 8% per annum from the previous 10% which was implemented last month,” SSS President and Chief Executive Officer Robert Joseph M. De Claro said.

Such a reduced interest rate is for members with good credit records (i.e., for applicants without availment of penalty condonation for the past 5 years).    

To further enhance financial assistance to members, the revised guidelines have been liberalized to allow calamity loan renewal after six (6) months provided that the existing CLP is not past due.

Streamlined activation process for immediate financial assistance / relief

“An important improvement in the revised guidelines is the streamlining of the activation process of the Calamity Loan Program (CLP) which will allow activation of the program within seven (7) working days from the calamity event date.  Previously, activation of the calamity loan program takes about one month,” De Claro said.

“SSS Branch Operations Sector and International Operations Group units will have a more active role in the activation process when they endorse State of Calamity declarations to the SSS Member Loans Department within two (2) calendar days from date of issuance,” De Claro added.

Features of the revised Calamity Loan Program (CLP) guidelines

Loanable amount

Equivalent to one (1) Monthly Salary Credit (MSC) computed based on the average of the last 12 MSCs rounded up to the nearest thousand or the amount applied for, whichever is lower and capped at P20,000.

Availment period

Up to 30 calendar days to commence on the date of announcement of the availability of the CLP in a newspaper of wide circulation.

Eligibility requirements

Members must have at least 36 monthly contributions – 6 of which must be posted within the last 12 months prior to the month of filing. For individually paying members, they must also have at least 6 posted contributions under their current membership type (self-employed, voluntary, or land-based OFW).

Member must be registered in the SSS website (My.SSS facility) for filing of online application.

Member must have no past due loan accounts and no outstanding restructured loan.

Member must have not been granted any final benefit.

Member must be of legal age and under 65 years of age at the time of application for loan.

Member must have not been disqualified due to fraud committed against the SSS.

Employer of employed member must be updated in payment of contributions & loan remittances.

Filing of loan application

A member may file / submit the calamity loan application online through the SSS website by accessing his / her My.SSS account or through the SSS Mobile App.

Release of loan proceeds

Loan proceeds shall be released through active UMID ATM card or active single account in any PESONet participating bank in the name of the member which must be enrolled in the Disbursement Account Enrollment Module (DAEM) of the member-borrower’s

My.SSS account.

Repayment term and schedule of payment

The loan shall be payable within two (2) years in 24 equal monthly amortizations.  The loan amortization shall start on second month following the month of approval of the loan.

Service fee

Service fee of 1% of loanable amount shall be charged and deducted from proceeds of the loan.

Penalty

Loan amortization not remitted on due date shall bear a penalty of 1% per month computed and charged for every day of delay.  If the loan remains unpaid after 24 months, 10% annual interest and 1% monthly penalty will apply until fully paid.

“With the issuance of the revised CLP guidelines, SSS will provide emergency financial relief to mitigate impact of natural disasters to members and help get them toward the path of recovery under liberalized terms and conditions,” De Claro said.

In 2024, the SSS disbursed nearly P10 billion in calamity loans to over 560,000 affected members. To further strengthen the CLP this year, the SSS is earmarking approximately P20 billion, underscoring its commitment to helping members recover financially from natural disasters.