#sssretirement #SSSRetirementCalculator #SSSPension #SSSPensioners #peraatibapa
🏧 Magkano ang monthly pension na maaari mong makuha sa inyong retirement mula sa SSS?
Sa aming tutorial ay ipapakita namin sa inyo ang 2 (two) ways para malaman ang iyong estimated monthly pension. 👴👵
📺 Para sa buong detalye ay panoorin mula sa PERAatibapa Youtube Channel.
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SSS Retirement Pension/Benefit Calculation: How much is your monthly pension in SSS?
Planning for retirement is a crucial aspect of financial management. To ensure a stable and comfortable retirement period, individuals often rely on various retirement plans and benefits offered by the government and private sectors. In the Philippines, the Social Security System (SSS) provides retirement benefits to its members, guaranteeing financial security during their senior years.
Retirement benefits from SSS are aimed at providing a sustainable income stream for retired individuals. But how exactly are these benefits calculated, and how much can you expect to receive as your monthly pension from SSS?
The SSS retirement pension is calculated based on the member’s contributions, credited years of service, and the average monthly salary credit (AMSC). The AMSC is determined by the monthly salary bracket and contribution rate at the time of the member’s retirement. It is essential to note that the amount of pension received varies for every retiree, as SSS utilizes a formula to calculate the benefit.
To calculate your retirement pension, SSS uses a two-step formula.
First, they determine the “credited years of service”, which refers to the number of years a member has contributed to SSS. A retiree must have accumulated at least 120 monthly contributions to qualify for a retirement pension. If a member has not met this minimum requirement, they may qualify for a lump-sum amount instead.
The second step involves computing the “monthly pension” based on the member’s credited years of service and AMSC. The SSS retirement pension is equivalent to 40% of the member’s AMSC plus an additional 2% for every credited year of service beyond ten years. However, the maximum monthly pension amount currently stands at PHP 20,000 for those who retire under the SSS coverage.
Let’s break it down with an example. Suppose a member’s AMSC is PHP 25,000, and their credited years of service are 20 years. The base pension computed is 40% of PHP 25,000, which amounts to PHP 10,000. To determine the additional pension, we calculate 2% of PHP 25,000 for every year beyond ten years (2% x PHP 25,000 x 10 = PHP 5,000). Thus, the total monthly pension for this retiree would be PHP 15,000 (PHP 10,000 + PHP 5,000).
However, it’s crucial to understand that certain factors can affect the actual pension amount received by a retiree. These factors include the date of retirement, earnings after the start of monthly pensions, and the option to receive a lump-sum amount.
Retirees who choose to receive their monthly pension early and are below 65 years old can receive a lower pension amount due to the early retirement program of SSS. On the other hand, those who retire after the prescribed retirement age of 65 can receive an increased monthly pension amount through the delayed retirement program.
It’s also worth noting that earnings generated after retiring and starting to receive the monthly pension can affect the amount. If a retiree continues to work and contribute to SSS, these additional contributions will increase the monthly pension through a recomputation.
Lastly, individuals may opt to receive a lump-sum amount instead of a monthly pension. This option is available for members who have not met the required number of contributions and are already at least 60 years old or above. The lump-sum amount is equivalent to the total contributions, with interest.
In conclusion, the SSS retirement pension is based on the member’s contributions, credited years of service, and average monthly salary credit. The total amount varies for each retiree, as SSS utilizes a formula to calculate the benefit. Considering the factors mentioned above, it’s important for individuals to carefully plan their retirement strategy to maximize their SSS benefits and ensure a comfortable retirement period.
Good sir: mag 60 na ako sir sa sunod na buwan..pwede mo ako mabigyan nang estimated computation na maging pension ko. Ang total month contribution ko ay 169 month at total amount of contribution ay 108,844.00 pesos maraming salamat sir
Sir paano kapag walang stimulate retirement calculator sa account ng sss?
Ano po ung monthly salary credit? Un ba un salary mo actual? Panu pag voluntary?
Boss sana masagot mo tanong ko po ano po ang ibig ng coordanation kasi hnd kupa nababayaran ang loan ko bali 14k dahil 4years na tumobo na ng 5k bali 19k na lahat ngayon 2023 tama ba sabi nila ang dec may coordanation po ba pag meron non wala naba tuno yun pag binayaran ko salamt po
Sr. Wala pong simulate sa acct ko.pano po ba un?
Sir madam kababayad ko lng condonation sa sss tanong ko lng po kailan ba ako pwedeng mag apply ng riterment benifets 64 years na po ako
wala ng simulation ngayun sa my.sss
Hi Sir, magandang gabi po. Question lang po. Yung mother ko po kasi is 69 years old na po. Ngayon pa lng namin ma ipa process yung retirement pension application po nya. May nakita po kasi akong Total contribution displayed na na 60 po and total contribution not displayed na 83 then total contribution posted is 143 pasok po ba si mama sa retirement pension po? Thank you in advance
Hirap Ng procedure
Bakit parang wala na pong simulated retirement calculator now sa site?
Sir pano po nman kung umabot nko ng 60 yrs old pero 98 months po lng nahulog kong cobtribution at wla nkong trabaho pde kopo bng ilumpsun na ung mga naihulog ko?
Sir wala po yung "SIMULATE MY RETIREMENT (CALCULATOR) sa benefit tab ko. Paano ba ito i-activate na option? Meron din akong naririnig na ibat ibang suggestions. 1. Dapat daw mag-contribute ka ng maximum amount which is 4,200 Php for the last 5 years before the age of 60 para makakuha ka daw ng 30,000.00 Php per month? 2. Hindi na daw kailangan mag-contribute ng last 5 years at bubuin mo lang yugn 120 monthly contribution kasi ang matatanggap mo daw ay 100,000.00 Php (LUMP SUM) plus 10,000.00 Php monthly pension after the age of 60? Thank you
Hindi po ito gumagana, wala po sa tab ng benefits yung calculator
Advice ko Maiging Mag Pesion ng age of 60 dahil maikli ang Buhay ng Pinoy at maliit lang naman ang diperetsa kapag sa age of 65 pa mag Pension.
Good evening thanks for sharing malapit na ako
Pano pag sobra sa 120 contribution? Anong mangyayari sa sobrang contribution?
Hi sir. Paano po kung 68 yrs old na po, tapos nacheck nalang po yung sss neto lang, pasok pala sa pension yung contributions. Makukuha pa ba yung 8 yrs na di nakapagpension? 68 yrs old na po kasi sya. Ngayon lang po inaayos ang sss nya. Thanks po
Hi ! Hello sir & mam dahin Cove 19 wala ng trabaho kaya Retirement nila ko hindi 65 year old gusto pa mag trabaho pero 60 old year Retirement bakit sa ninyo 65 year old ano ba y'an SSS niyo Retiremen
Ako Seniror Citizens na ko 60 year old Retirement wala ko law offices
Hindi ko 65 year old kayo sabi pero 60 year old lang ko
Retirement ko sa law offices ano ba y'an SSS dahin Cove 19
hi sir.. new sub po..
ask ko lang po..
last 20 years ago.. nag work ako sa Jollibee at Andoks..
hindi ko na po alam yung SSS number ko..
balak ko sana maghulog uli..
any advice po sir?
Saan po na base ang SSS contribution Netpay or Gross pay?
Sir gudpm po tanong ko lng po pag mag retired po ako ibawas po ba yong nkuha ko na partial disability ksi na opera po ako. At magkano po ang aking mkuha sa pag retired ko nka 325 months npo ako ngaun ng hulog sa 2028 pa ako mag retired….salamat po..
phelp nmn po , nag online payment po aq tru online , until now nd pa po napost ng sss
voluntary po ako