SSS Employee Compensation (EC) Benefit 2025 — Eligibility, Contributions & How to Claim

The Employee Compensation (EC) Program remains one of the Philippines’ most important worker protection schemes in 2025, providing a safety net for employees and their families when work-related accidents, illnesses, or deaths occur. Managed by the Social Security System (SSS) for private-sector workers and the GSIS for public employees, the program ensures financial assistance kicks in the moment a covered incident happens.

Here’s what you need to know about the SSS EC Compensation Benefit 2025 — from coverage, contribution rules, to the different types of payouts you and your family may access.

What Is the EC Program?

The Employee Compensation Program (ECP) is a government-mandated insurance scheme designed to ease the burden of work-related injuries, disabilities, and deaths. Unlike regular SSS benefits (which depend on individual contributions), the EC program is employer-funded — meaning your company pays for your coverage from day one of employment.

Program Snapshot (2025)

Feature	Details
Program Name	Employee Compensation Program (ECP)
Year	2025
Administered By	Social Security System (SSS) / GSIS (for public sector)
Coverage	Private & public workers, self-employed, OFWs, house helpers
Start of Coverage	1st day of employment or 1st SSS payment
Contribution	Paid solely by employer

Why It Matters

The EC program ensures that neither the worker nor their family bears the full brunt of financial costs when tragedy strikes. Whether it’s hospital expenses, lost income due to disability, or even funeral costs, the benefit steps in as a buffer to cover essentials.

Contributions in 2025

Employers shoulder the full cost of EC contributions. Rates remain stable in 2025:

Monthly Salary Range	Employer Contribution
₱4,000 – ₱14,749	₱10
₱14,750 and above	₱30

For self-employed individuals, coverage begins once they make their first SSS contribution, which includes the EC premium.

Types of Benefits Under EC

1. Income Benefits

Financial support when a worker cannot earn due to disability:

• Temporary Total Disability (TTD): Paid during the recovery period.
• Permanent Total Disability (PTD): Lifetime pension if the worker is completely unable to work.
• Permanent Partial Disability (PPD): Benefits if only part of earning capacity is lost (e.g., loss of a finger, limb, or eye).

2. Medical Benefits

Covers reasonable costs for:

• Hospital bills
• Doctor’s professional fees
• Medicines and rehabilitation services

3. Carer’s Allowance

An additional monthly benefit for employees classified as permanently and totally disabled who require the help of a caregiver.

4. Death and Funeral Benefits

• Funeral Benefit: ₱30,000 lump sum to cover burial expenses.
• Death Benefit: Monthly pension (or lump sum) paid to qualified dependents.

Who Can Claim the Benefits?

Primary Beneficiaries

• Legitimate spouse (until remarriage)
• Legitimate, legitimated, legally adopted, and illegitimate children under 21, or disabled children regardless of age

Secondary Beneficiaries

• Dependent parents
• Legitimate brothers/sisters (if no primary beneficiaries)

Claim Filing Requirements

For Employed Members

• Employer’s report of accident/sickness
• Police or incident report (if applicable)
• Employer’s logbook entry copy
• Medical records and diagnosis

For Self-Employed Members

• Certificate of separation (if applicable)
• Medical records and disability certificate

For Disability Claims

• SSS medical certificate
• Disability claim application form
• Valid ID + SSS ID card
• Member’s photo and signature card
• Bank details for payout
• Physical exam report (if needed)

Where to File

• Nearest SSS branch (walk-in submission)
• My.SSS online portal – for faster filing, status tracking, and updates

SSS has been steadily expanding its online services, reducing the need for long queues. By 2025, most claims can be monitored digitally.

Benefit Summary Table

Benefit Type	Description
Disability Benefits	For TTD, PTD, or PPD
Medical Reimbursement	Hospital, medicine, and rehab costs
Carer’s Allowance	For permanently and totally disabled workers needing assistance
Funeral Benefit	₱30,000 lump sum for burial
Death Benefit	Monthly pension or lump sum for dependents

Updates in 2025

• Contribution rates unchanged (₱10–₱30 employer-paid).
• Online claims system improved — easier status tracking through My.SSS.
• No major changes in benefit amounts, but digital filing and faster processing times are emphasized by SSS.

The SSS Employee Compensation Benefit 2025 isn’t just about compliance — it’s a lifeline for workers and their families. Whether it’s a small accident leading to temporary disability, a work-related illness, or the tragic loss of life, the EC program provides financial relief when it’s needed most.

Every Filipino worker under SSS or GSIS is automatically covered — meaning you don’t pay for it, but you can rely on it when hardship strikes.

FAQs