Can I Claim My Philippine SSS Pension Even if I’m Already a Citizen of Another Country?


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  1. Hi kim, your mom will continue to receive her pension as long as she does not remarry and does not cohabit with another man. She also needs to file her SSS ACOP every year, around 30 days before her birthday. Is your mom receiving her pension abroad through a Visa card?

  2. yes she does file it every yr. would that be every 30 days of my moms bday or my dad? cause shes getting this sss from my dad when he passed. also its direct to the bank not visa.

  3. I’m living in the us can I file my retirement online or do I need to go home and file it myself

  4. Hi alicia, SSS does not yet have a system for online filing for pensions. Check if there’s an SSS near your location, so you can file your pension claim there. You can also download all the needed forms from the SSS website, then print them, accomplish them, then authorize someone to process your pension claim via a SPA (docs can be sent through a courier). You can request beforehand from SSS using this email address a Visa debit card application form (this form is not downloadable from their forms page) so you can accomplish it.

  5. SSS Pension recipient, now just turned 67 (July 18, 1949 born). She lost her China Bank Trust Debit SSS Pension Bank Card 2 months ago in Sydney, Australia. Please advise how to get a replacement Bank Card. Any instructions to apply for replacement of lost bank card.
    Thank you for your kind attention.

  6. Hello Nora,

    I left the country last 2014 and immigrated in Canada. I have previous contributions to PAG-IBIG AND SSS and I’m planning to continue the contribution.

    1. Can I get the same benefits from my PAG-IBIG and SSS like pensions, if I become a Canadian Citizen? (I’m planning to have a dual citizenship)

    2. I stopped my contribution since I left for 2 years (PAG-IBIG AND SSS). Is it okay to pay the number of years that I didn’t paid while continuing my monthly contribution?

    3. Is it okay to pay (PAG-IBIG and SSS) quarterly or bi annually?

    4. What do you think is the ideal contribution for pag-ibig 1 since they don’t have a table of contribution like the SSS? Is is the more you contribute monthly the bigger your benefits after you retire? I am planning also to register in MP2.

    4. I have the maximum contribution for SSS when i left the country.Is it that the last 5 years of contribution has a significant impact in your pension? Which one is better.

    a) continue paying with the maximum; or
    b) continue paying with the minimum then increase to maximum in the last 5 years of your retirement or before you reach 65 years old.

    Please enlighten me and I will be waiting for your response. Thank you.

  7. Hi Tram, thanks for commenting here: 1. Yes, you get the same benefits from SSS and Pag-ibig even if you become a dual or Canadian citizen. 2. No, you’re not allowed to pay for past years or quarters. There are payment deadlines. For SSS and Pag-ibig, what you can pay this month is for July and onwards. 3. Yes, to save on remittance fees, it’s practical to pay every 3 or 6 months 4. For Pag-ibig, you can just pay the monthly minimum which is 200 pesos, and then pay 500 pesos or more to MP2. MP2 gives a higher interest than P1 and you can also claim this after 5 years or renew it for another 5 years. 5. Yes, it’s true that the pension amount will be based on your last 60 monthly contributions before your semester of retirement. You might want to choose b). The current minimum for overseas Pinoys is 550 pesos. Then start paying the maximum when you turn 54 and 5 months (you can stop at 59 and 5 or 6 months–this is because of the “semester of retirement” phrase). Check on contribution change rules from time to time — they might change the rules again. By the way, if your heirs need to get a higher amount from SSS in case something happens, you might want to choose a).

  8. Hello Nora, Great. One last thing, my previous contributions in SSS won’t matter for my lump sum, for as long as i have to pay the maximum amount for the last 60 months then I should get the maximum amount, too? Thank you very much in advance fro your response.

  9. Hello Nora. I migrated to Australia year 2000. Before that I worked in the Philippines for a total of 5 years (less than 120 contributions). I have a colleague here in Australia who migrated in 1996 and before he left, he was able to claim ALL his SSS contributions. He said he was able to do this as he mentioned that he is no longer going back to the Philippines hence no more future contributions. I don’t plan to make any more contributions myself and that I have less than the 120 required monthly contributions to qualify for pension. Am I able to get my previous contributions as a lump sum same as what my colleague? My colleague got the lump sum when he was in his 30’s. I’m 39 years old.

    Sorry I posted this originally in a wrong blog subject.


  10. Hi Joe, I wonder how your colleague was able to withdraw all his SSS contributions, as this practice was disallowed starting 1964, according to the March 2012 SSS Newsletter. The SSS FAQ page also says that withdrawal of SSS membership is not allowed. What I know is SSS contributions can be refunded if they’re paid by a member who does not have a Date of Coverage, meaning he was not registered by an employer and did not register as self-employed. It’s also possible your colleague was served by an SSS officer who found a valid reason to make a Refund, and not release a withdrawal.
    I’m not sure if it will be successful, but if you decide so, when you take your vacation here, you can try requesting for a Refund of all your SSS contributions at the main office in Diliman, also saying you’re already an Australian citizen and you’re not coming back to the Phils, and see if you can get back your contributions too.

  11. I have paid the maximum monthly contributions of 126. AT present i am working in New Zealand, applying for a permanent residency.If I stop paying contribution, what is the effect on my pension? Some advice, to continue paying because the basis of computation is based on the last paid contributions. Should I continue paying until I reach the retirement period. Will it be beneficial on my part? Please advise what to do.I am 34 years old only.

  12. Hi reyofel, I’ll reply to you in a post so it will be read by more people. I’ll put OFW in the post title, although you’ll soon to be a resident. I’ll give you the link later.

  13. Hi Good Day.How about I am not already a pensioner and ill become citizen of another country what step i am going to do to claim my contribution or can i withdraw or pullout it?or can i continue the contribution even if im on another country?and will get pension when im old?

  14. Hi Marivic, sorry you’re not allowed to withdraw your SSS contributions. Your options: 1. stop contributing, then file your claim upon turning 60 (pension, if you have 120 contributions, and lump sum if you have less than 120). 2. Continue contributing to accumulate 120 contributions or to accumulate more than 120 to have a higher pension amount. Take note that the basis of pension computation is your last 60 contributions and the number of years you contributed. Yes, you can claim your pension even if you’re already a citizen of another country.

  15. i am a filipina widow and receiving a survival pension. i am going to UK to marry my British fiance. my question is..can i still receive my survival pension after marrying my British fiance in UK?

  16. Hi Tria, I think it’s better that you inform SSS when you get back. Or if you like, there’s also a SSS branch there in the UK. In your pension voucher, there could be instructions in your pension voucher about this requirement to report. In the SSS death claim form that you signed when you filed your claim, there are these statements:
    5. I will immediately notify the SSS in case any of the above listed children die, marry or become employed, or I cohabit or remarry.
    Wish you all the best in your marriage!

  17. mum did not received her pension for 10 months.SSS instruct me to make a replacement for unclaimed pension in order to clear the check. They will back pay her as long as she will request for replacement.. what is this replacement means? replacing an old sss card? is that what they asking for..My mum is here residing in Australia..Can you PLEASE help me make a letter of replacement of unclaimed pension? Thank you very much..God Bless

  18. Hi. My mother died last year and my sister did not declare it to Sss until the lending company she owed has contacted us. We pay her remaining balance in her loan then from there my family declares her death in Sss. They asked us to submit and fill up necessary documents since i still have a sister receiving pension. Though it took months before my sister completed the documents. My inquiry now, would it still be possible to claim my sister’s pension from the previous months? Thank you

  19. I am a US citizen, I have changed my my last name to my maiden name when I took my US citizenship.. can i still collect my survivor pension? And how..thank you

  20. Hi Lorna, yes, you can claim your SSS pension when you turn 60. To facilitate your claim later on, change your personal data asap, so your SSS records will match your current passport and other IDs. Do you live near the SSS office in the U.S.? You can file your data change there.
    Philippine Consulate General
    447 Sutter Street, 7th Floor, Suite 701
    San Francisco, California, USA 94108
    Representative: Marites C. Marin
    If not, download this form: will get back

  21. Good day! I’m a permanent residence here in Canada married to a Canadian Citizen contributing over 17 years in SSS as an employee. Before I left Philippines, I opted to continue my contributions in a monthly basis to a maximum contribution as Voluntary member. My question is, can I still avail my pension once I reach 60 even if I will change my citizenship? Any recommendation, if it’s advisable to continue my contribution until I reach my retirement age? Can I ask further on how to compute monthly pension? Thank you & anticipating your favorable reply to this matter.

  22. Hi Lyn, yes, kahit hindi ka na Filipino citizen at Canadian citizen ka na at the time of your retirement, you will still get your pension. Maraming nagpe-pension abroad who are no longer Filipino citizens. Dalawa kasi ang basis ng pension amount: 1. yong average ng last 60 monthly salary credits mo (AMSC) at 2. yong number of credited years of service (CYS). The higher these 2 numbers, the higher the pension. So siempre, if you continue paying, you are increasing your CYS. The ideal situation would be yong last 60 salary credits ay puro maximum.
    Ang pension is the higher result of these two: 1st: 40% x AMSC or 2nd: 300 + [(20% x AMSC) + (2% x AMSC) x (CYS-10)]

  23. Hi Nora, I need your expert advice regarding CLAIM FOR LUMP SUM with SSS & PAG-IBIG. I worked in the Philippines for 11 years and has been paying my contributions until I moved permanently to the U.S. Please advise on how to apply for the claims and what are the requirements… Do you know if the claim forms can be downloaded from the websites?

    Thank you in advance for your help.


  24. Hi Riz, yes, you can claim your benefits from Pag-ibig and SSS, and you can claim them through your representative that you will authorize through a SPA. Yes, you can download the claim forms from SSS and Pag-ibig’s websites. Pag-ibig has its own SPA form. If you contributed at least 120 contributions to SSS, email SSS at and request them to send you a form for opening a Visa debit card in the Philippines (for your pension releases). Write your full name, SSS no., date and place of birth, and attach a scan or clear photograph of your SSS ID or if none, at least 2 other valid IDs. They don’t have this debit card form on their downloadable forms.

  25. Hello po SSS, my mom is 68 years old po at mayroon po syang pension every month..(from her self voluntarily sss),, now she’s going to married and American and living abroad ..My mom po mayroon po syang sss monthly pension dito sa america after she married. .through her husband…kailangan po ba I close nang mom ko ang sss pension dyan sa pinas kasi they said she can’t any longer have 2 pension at different country?..salamat po.-beatrice-

  26. Kailangan po ba I close nang mama ko ang pension dyan sa pinas, she had sss pension through her self voluntarily she’s married an American she had an sss pension her abroad through her husband , they she need to close her pension there bec.they said she can’t have 2 pension each country? Salamat po.from -bea-

  27. hello, I am annuled and continuing my sss contribution, If i will marry again, will i still be entitled for an sss pension once I reach 60? My second question is what If I become a US citizen and receive pension from US, will I still be getting my SSS pension in the Philippines at the same time? Thank you.

  28. Hi Jenny, yes to both questions. You are the SSS member, so remarriage or change of citizenship or receipt of other country’s pension will not affect your Philippine SSS pension. It’s also good to change your civil status now. Here’s the SSS Change of Member’s Data form. You support this with a copy of your annulment declaration by the court (Certificate of Finality of Annulment/Nullity or annotated Marriage Contract/Certificate, if due to annulled or void marriage with previously reported spouse). Normally this is done in person at any SSS branch. But I just asked SSS through their FB page if it’s possible to do this via email. I’ll inform you when I get a response. You can also ask (the email address of SSS members abroad, whether OFWs or not).

  29. Hello po Ms.Nora
    My mom had a an self voluntarily sss pension there in the she’s married abroad and had a sss pension from her new husband, does she need to close her sss pension dyan sa pinas.thanks. .-bea-

  30. Hi Bea, is her Philippine SSS pension her own retirement pension? Meaning she turned 60 and claimed her own retirement pension from SSS in the Philippines? Or did you mean her SSS Philippine pension was from her first husband who has passed away? And that now she has a second husband abroad?

  31. Hi Nora, not pension related. Im here in the US and married to a US Citizen. My question is, can I claim a maternity benefit kahit andito ako sa US?

  32. Hi Nora,
    My mom lives in Canada and failed to report for ACop on her birthday. She forfeited both hers and my dad pension. My question is, can she still recovers the money

    Many thanks,

  33. Hi Nora , Pwede ko po bang makuha ang SSS contribuitions or Lumsump ko po na almost 15 years me working at Philippines na complete ko po yong 120 contribuitions , although naging Citizen po me dto sa Australia at the age of 42 possible po ba makuha yong naihulog ko po ? ano po pwede pong gawin ? Salamat po

  34. Hi Noel, sorry hindi nawiwidro ang SSS contributions, kahit yong mga nag-immigrate na sa ibang bansa. What to do? Wait till you turn 60 years old, and then file your claim for your Philippine pension. Puedeng mag-pension kahit nasa ibang bansa ka. At present, Visa debit card ang ginagamit for pensioners living abroad.
    Yong Pag-ibig savings, yon ang puedeng iwidro na ng mga nag-migrate.

  35. Hi, this might help. I decided not to continue my contribution since I am not planning to settle in the Philippines. In that way, I can have a lump sum payment.

    Who may qualify for a lump sum retirement amount?

    Member is at least 60 years old (or 55 years old, if an underground mineworker) for optional retirement, or 65 years old (or 60 years old, if an underground mineworker) for
    technical retirement, and has paid less than 120 monthly contributions

    A member filing for retirement benefit and has
    paid less than 120 monthly contributions shall be given the option to continue paying the contributions
    as a VM to complete the 120 months to avail the full benefits thru monthly pension

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