SSS & Pag-IBIG, made easy
Everything you need to maximize your contributions, claim your benefits, and avoid common mistakes.
Featured Guide
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Borrow up to ₱40,000 at 8% a year — eligibility, the real cost after fees, the online steps, and renewal tips.
PhilHealth: Your 2026 Complete Coverage Guide
Contributions, case rates, YAKAP, Z-Benefits, and maternity — plus how to reduce your hospital bill with PhilHealth in 2026.
Pag-IBIG Housing Loan 2026: How to Borrow Up to ₱10M
4.5% promotional rates, eligibility requirements, and a step-by-step guide to getting approved — plus expert tips to maximize your loanable amount.
SSS: Your 2026 Social Security System Guide
Contributions, benefits, and online payment systems explained — plus 4 maximization hacks and a 5-step checklist for 2026.
Pag-IBIG MP2: The Complete 2026 Guide
Tax-free dividends, government-backed, and beats most savings accounts — here's how MP2 actually works in 2026, plus how to enroll in 10 minutes.
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How to Claim SSS Benefits
Sickness, maternity, retirement and disability claims.
Voluntary vs Self-Employed
Which SSS membership type makes sense for you?
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Get in touchSSS, Pag-IBIG and PhilHealth: the benefits people miss
Mandatory contributions come out of every Philippine payslip, yet the benefits they buy are widely under-claimed. SSS pays sickness, maternity, unemployment, disability, retirement, and death benefits; Pag-IBIG offers housing loans, short-term loans, and the MP2 savings programme; PhilHealth covers case-rate hospital benefits and an expanding set of outpatient packages.
Most missed claims come down to two things: not knowing a benefit exists, and not meeting the contribution-posting requirements at the time of the claim. Each benefit has its own minimum number of posted contributions within a specific period, so checking your posted record before you need it matters more than any paperwork trick.
These guides set out eligibility, required contributions, computation, documents, and filing steps for each programme, and our calculators estimate pension, maternity benefit, salary loan repayments, MP2 maturity, and Pag-IBIG housing loan amortisation using current tables.
- Check your posted contributions through the member portal before filing any claim.
- Voluntary and self-employed members can keep contributing to preserve eligibility.
- Benefit computations depend on your monthly salary credit, not simply on your salary.
- Deadlines matter: several SSS benefits must be filed within a set period after the event.
SSS, Pag-IBIG and PhilHealth questions
How is the SSS pension computed?
It is based on your credited years of service and average monthly salary credit, with SSS applying whichever of its formulas yields the highest amount, subject to the statutory minimum. Our SSS Pension Calculator estimates it from your contribution history.
Is Pag-IBIG MP2 separate from my regular Pag-IBIG savings?
Yes. MP2 is a voluntary five-year savings programme that sits alongside mandatory Pag-IBIG membership savings, declares its own annual dividend, and pays out tax-free at maturity.
Can I claim SSS maternity benefit if I am self-employed?
Yes, provided you have the required number of posted contributions in the applicable period before the semester of delivery and you notify SSS. The benefit is computed from your average daily salary credit.
Does PhilHealth cover the whole hospital bill?
No. PhilHealth pays fixed case rates per condition or procedure, which typically cover part of a private hospital bill. The remainder is paid by the patient, an HMO, or private insurance.