The Philippines has taken a historic step toward strengthening social protection with the approval of the Pension Reform Program (PRP). Starting in September 2025, pensioners under the Social Security System (SSS) will benefit from a structured, three-year increase that will raise retirement pensions by as much as 33 percent. This marks the first time that such a sustained and multi-year hike has been implemented, providing much-needed relief to millions of Filipinos struggling with the rising cost of living.
What the Pension Reform Program Means
The Pension Reform Program has been designed to give pensioners consistent support rather than a one-time increase. Over the next three years—2025, 2026, and 2027—pension amounts will gradually rise. The main beneficiaries of the reform are retirees, disability pensioners, and survivor pensioners.
The aim is to provide financial stability while keeping the SSS fund sustainable for the future. Around 3.8 million pensioners are expected to benefit from this reform.
Increase in Retirement, Disability, and Survivors Pensions
The increases will be applied differently depending on the type of pension:
- Retirement pension: 10 percent increase every September from 2025 to 2027
- Disability pension: 10 percent increase every September from 2025 to 2027
- Survivor pension: 5 percent increase every September from 2025 to 2027
By the end of the three-year period, retirement and disability pensions will be 33 percent higher compared to pre-reform levels, while survivors pensions will see a total increase of about 16 percent.
Example of the Increase
A retiree currently receiving 5,000 pesos per month will experience the following growth under the reform:
- 2025: 5,500 pesos
- 2026: 6,050 pesos
- 2027: 6,655 pesos
This structured increase ensures gradual relief without overwhelming the SSS fund, while pensioners enjoy steady improvements in their monthly income.
Eligibility for the Pension Reform Program
The reform is inclusive, automatically covering existing and new pensioners. Eligibility applies to:
- Retired members aged 60 or above who have stopped working
- Individuals receiving disability pensions
- Beneficiaries of deceased members under survivor pensions
To be included in the increase for September 2025, pensioners must already appear in the SSS records before August 31, 2025. Those who qualify after this date will be included in the following year’s adjustment.
Application and Payment Process
One of the most reassuring aspects of the program is that pensioners do not need to file a new application to benefit from the increase. The adjustment will be applied automatically and credited monthly starting September 2025.
Those who wish to apply for retirement benefits for the first time may still do so through the My.SSS online portal or by visiting SSS offices.
Why the Reform is Important
For years, pensioners have been calling for an increase in benefits due to inflation eroding the value of their monthly payments. Prices of essential goods and services have risen steadily, leaving many retirees struggling to cope. The Pension Reform Program directly addresses this challenge by providing a predictable increase over time.
At the same time, the structured nature of the reform allows the SSS fund to remain sustainable, with long-term viability considered in the planning.
Key Facts at a Glance
- Reform starts: September 2025
- Duration: Three years (until September 2027)
- Retirement and disability pensions: 33 percent higher by 2027
- Survivor pensions: 16 percent higher by 2027
- Total beneficiaries: Approximately 3.8 million Filipinos
Conclusion
The 33 percent SSS pension increase under the Philippines Pension Reform Program is a milestone in the country’s social security system. By balancing immediate relief for pensioners with long-term sustainability, the reform provides hope and stability to millions of citizens. For retirees, disabled members, and survivors alike, the coming years will bring greater financial security and a more reliable safety net.