SSS Sickness Benefit Calculator

Instead of manually computing, you can use the online SSS Sickness Benefit Calculator provided on trusted government or financial guide websites. Here’s how to use it effectively:

  1. Input your monthly salary or contributions.

  2. Select the number of days you were unable to work.

  3. Generate your estimated benefit.

This gives you a realistic projection, but remember: the official SSS evaluation will determine the final amount. After estimating your sickness claim, try the SSS salary loan calculator to determine how much extra financial assistance you could qualify for through SSS.

What Is the SSS Sickness Benefit?

The SSS Sickness Benefit is a daily cash allowance paid to members who cannot work due to sickness or injury. As of 2025, here are the core requirements you must meet:

  • You must have at least 3 monthly SSS contributions within the last 12 months before your sickness or injury.

  • You must be confined at home or in a hospital for at least four (4) days.

  • You should have used up your company’s paid sick leave (if employed).

  • Your employer must report your sickness to SSS within five (5) days of your return to work.

If you’re self-employed or a voluntary member, you can file directly with SSS. Both sickness and maternity benefits are vital for members in times of need. You can visit the SSS maternity calculator to compare payment amounts and qualification rules.

How the SSS Sickness Benefit Is Computed

The amount you’ll receive depends on your Average Daily Salary Credit (ADSC), which is based on your posted contributions. Here’s the step-by-step process:

  • Enter your average monthly salary
    This should be the average of your last 6 months’ salaries before you got sick.

  • Compute the Average Daily Salary Credit (ADSC)
    Divide the average monthly salary by 30 days.

    • Formula: Monthly Salary ÷ 30 = ADSC

  • Get your Daily Sickness Benefit
    Multiply your ADSC by 90%.

    • Formula: ADSC × 90% = Daily Benefit

  • Subtract the first 3 days
    The first 3 days of your sickness are covered by your employer.
    SSS will only pay starting on the 4th day.

  • Compute your Total Sickness Benefit
    Multiply the daily benefit by the number of days (excluding the first 3).

    • Formula: Daily Benefit × (Sick Days – 3) = Total SSS Benefit

Example Computation

Let’s say:

  • Average Monthly Salary: ₱25,000

  • Sick Leave Days: 10

Step 1: ADSC = ₱25,000 ÷ 30 = ₱833.33
Step 2: Daily Sickness Benefit = ₱833.33 × 90% = ₱750
Step 3: Payable Sick Days = 10 – 3 = 7 days
Step 4: Total SSS Benefit = ₱750 × 7 = ₱5,250

Can I get SSS sickness benefits for less than 4 days?

No. The benefit applies only if you are confined for at least 4 consecutive days.

How many days of sickness benefit can I claim in a year?

You can claim up to 120 days per calendar year and 240 days for the same illness within a 3-year period

Do I still qualify if I’m unemployed?

Yes, as long as you are a self-employed or voluntary SSS member with at least 3 contributions in the last 12 months.

How soon will I receive my sickness benefit?

Processing usually takes 10–15 working days after your employer or you (if self-employed) file the required documents with SSS.