SSS retirement

Ordinary retirement: age 60 after stopping employment/self-employment, or age 65 regardless; special occupations have different age rules.

Cost / amount:

• 120 qualifying monthly contributions: pension route; fewer months: check lump sum / continued contribution options
• Use the official pension estimate and SSS assessment; pension adjustments depend on eligibility and contingency date

Processing time:

• Evaluation time is not a guaranteed payout date. Track the claim in My.SSS.

Can start online:

• Start on the official portal

What to bring

• My.SSS account and payment account

  Use your existing SS number; enroll a disbursement account through DAEM when filing directly.

• Identity, civil-status and separation records

  Branch claims need a retirement application, accepted ID and payment-account proof. Age 60–64 employed claimants may need separation evidence; dependents and special cases need supporting civil records.

• Disbursement Account Enrollment Module (DAEM)

  DAEM is the account-enrollment section in My.SSS. Use an active account in your own name, submit the requested account proof / identity evidence and wait for approval before filing a direct-payment claim.

How to apply

1. 1
   Check pension or lump-sum eligibility

   120 paid months before the retirement semester qualify for the monthly pension. Fewer months may lead to lump sum or continued voluntary contributions.

2. 2
   Set up the receiving account

   Use UMID-ATM or an approved DAEM account before filing.

3. 3
   Submit the retirement claim

   Use My.SSS for eligible ordinary claims. Guardianship, portability, bilateral agreements, adjustments and other listed exceptions require a branch.

4. 4
   Track the claim and payment

   Keep the transaction number; read email notices and the My.SSS claim status. Correct rejected documents before resubmitting.

   Continue on the official service