Adulting
SSS Rolls Out Bigger Monthly Pensions for the Next 3 Years, Starting This September
No extra contributions on your end.
Published on Jul 31, 2025
(SPOT.ph) Between rising inflation and constant bills, most retirees can't count on their pension to keep up. Here's a bit of relief: the Social Security System (SSS) is rolling out something it has never done before—a guaranteed increase in monthly pensions every year until 2027.
September
2025: Retirement and disability pensioners get a 10% increase, while death or survivor pensioners get a 5% increase September
2026: Another 10% and 5% September
2027: A final 10% and 5%
Starting this September, all SSS pensioners will receive annual
increases as part of a newly approved three-year Pension Reform Program. This marks the first structured, multi-year increase in SSS history.
The best part? Unlike previous hikes, this one won’t require
additional contributions from members. The increases will be phased in over
three years:
By the end of the program, that translates to about 33% more
for retirement and disability pensioners and 16% more for survivor pensioners.
It’s a welcome relief following the recent SSS
contribution hike to 15% that kicked in last January—the last step in a
series of rate increases under the Social Security Act of 2018.
Employers now shoulder 10%, while employees pay 5%. If you're self-employed, a
voluntary member, or an Overseas Filipino Worker (OFW), you cover the full 15%.
How much more will pensioners actually get from the SSS?
Say you’re receiving P8,000 a month in SSS pension as
of August 31, 2025. Here’s what your retirement pension will look like over the next three
years:
September
2025: 10% increase adds P800, bringing the new monthly pension to P8,800 September
2026: Another 10% adds P880, bringing the new monthly pension to P9,680 September
2027: Final 10% adds P968, bringing the new monthly pension to P10,648
Over three years, you end up with P2,648 more each month
compared to where you started. That means more money for your
groceries, medicine, or even just a few small joys in retirement.
Click to Enlarge
Photo from Facebook/Philippine Social Security System - SSS.
According to the SSS, around 3.8 million pensioners are expected to
benefit from this hike.
“We’ve heard the clamor for higher pensions loud and clear,”
SSS President Robert De Claro said in a statement.
“With the guidance of Finance Secretary and SSC Chairperson Ralph G. Recto, we
are rolling out a rational and sustainable pension increase that uplifts all
pensioners without compromising the fund’s actuarial soundness.”
The plan is expected to reduce the fund’s life by four
years—from 2053 to 2049—but SSS officials say they’re working on restoring it
through better collections and expanded coverage. Still, if you’re an SSS
pensioner as of August 31, 2025, you can expect a higher payout starting
next month.
Micah believes that writing is always political. Beyond the byline, you’ll find her bruising herself in a pole studio or napping with her beagle. Reach her at micah@spot.ph.
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