Members of the Social Security System (SSS) can be assured that their pensions remain secure, Finance Secretary and Social Security Commission (SSC) Chair Frederick D. Go said, after the agency reported its strongest financial performance ever, reinforcing the stability, reliability, and long-term sustainability of benefits for generations of Filipinos.
In 2025, SSS posted a net income of PHP 142.97 billion, marking a 58.4% increase from the previous year. Total assets likewise grew to PHP 1.26 trillion, up 22.1% from PHP 1.03 trillion in 2024.
For the first time in its history, the SSS Reserve Fund surpassed the PHP 1 trillion mark — an important milestone that strengthens the institution’s resilience against economic shocks, enhances its capacity to withstand demographic pressures, and ensures its ability to meet future benefit obligations.
“This record performance and over 1 trillion-peso reserve fund level send a clear message to SSS members: your pensions are secure; your benefits sustained,” SSC Chair Go said.
“Guided by President Ferdinand R. Marcos, Jr.’s directive to enhance benefits and strengthen governance, we are building a social security system that is financially resilient and more responsive to the needs of every Filipino,” he added.
SSS President and Chief Executive Officer Jay de Claro attributes the improved performance to sustained fiscal discipline, strengthened fund governance, and long-term reforms designed to safeguard members’ contributions and preserve the fund’s actuarial soundness.
“Surpassing the 1 trillion peso mark in our Reserve Fund is a historic milestone and a strong affirmation of our duty to every Filipino worker and pensioner who relies on SSS. This performance reflects prudent stewardship of members’ contributions, strengthened governance, and our continuing commitment to deliver secure and sustainable benefits—today and for generations to come,” he said.
Beyond its financial gains, the SSS implemented its first-ever annual pension increase in 2025, granting yearly increases of 10% for retirement and disability pensions, and 5% for survivor pensions from 2025 to 2027.
The pension reform is expected to support household consumption among pensioners and contribute to overall economic growth.
Service delivery was likewise enhanced with the rollout of the MySSS Card—a fully functional debit card linked to a savings account—making benefit and loan disbursements more convenient for members.
In 2025, SSS disbursed PHP 304.94 billion in pensions and benefits to 5.66 million members nationwide. Loan releases reached PHP 61.11 billion, providing timely financial assistance to workers and their families.
To further ease borrowing costs, SSS reduced interest rates on key loan facilities from 10% to 8%. The Pension Loan Program was also expanded to cover survivor pensioners, extending benefits to an additional 1.2 million members.
SSS continues to provide accessible credit support through programs such as the Calamity Loan, Emergency Loan, and the upcoming Micro Loan Program.
“Patuloy na maghahatid ang SSS ng mga programang tulad ng Micro Loan at Calamity Loan upang makapagbigay ng sapat, abot-kaya at mas mabilis na suporta sa aming mga miyembro,” SSC Chair Go said.
