Retirement in the Philippines can be tricky to plan, especially if your career has taken you through both private and government service. Many workers who have contributed to both the Social Security System (SSS) and the Government Service Insurance System (GSIS) want to know: Can you receive both pensions?
The short answer: Yes, but only under certain conditions. Understanding those rules early can save you from delays, rejected claims, or even losing one of your pensions.
The Basics: SSS vs. GSIS
Before we dive into eligibility, let’s quickly recap what these two systems cover:
- SSS (Social Security System) – Covers private sector employees, self-employed individuals, overseas Filipino workers, and voluntary members.
- GSIS (Government Service Insurance System) – Exclusively for government employees, including teachers, uniformed personnel, and other public servants.
Both have different contribution rates, service requirements, and formulas for computing pensions.
Who Can Receive Both Pensions?
You may qualify for both pensions if you’ve worked in the private and public sectors during different periods of your career, and you’ve completed the required contributions in each system.
Here’s a quick guide:
| Employment History | Eligible for Both? | Key Reminder |
|---|---|---|
| Worked in private sector first, then government | Yes | Must meet full requirements for both systems |
| Worked in both sectors with no overlapping service | Yes | Records must show separate contribution periods |
| Refunded SSS contributions when moving to government | No | SSS pension rights are forfeited |
| Contributed to both systems at the same time | No | Dual coverage for the same period is not allowed |
| Entire career in government | No | Only GSIS benefits apply |
The “Conflict Rule” Explained
The government has a no-overlap policy to prevent double payment for the same service period. The main points are:
- No overlapping coverage – You cannot receive benefits from both systems for the same period of work.
- Refund = Forfeit – If you refunded your SSS contributions after moving to government service, you lose your right to an SSS pension.
- Separate service periods – You must have complete and distinct work histories for each system.
How to Apply for Both Pensions
For SSS Pension:
- Minimum of 120 monthly contributions (10 years).
- Age 60 (if separated from work) or 65 (mandatory retirement).
- File through an SSS branch or the My.SSS online portal.
For GSIS Pension:
- At least 15 years of government service.
- Age 60 or older (unless opting for early retirement under special laws).
- Apply via any GSIS branch or the GSIS Touch mobile app.
Tip: Start checking your records at least 2 years before retirement to fix discrepancies.
How to Avoid Losing Your Benefits
- Never refund your SSS contributions if you plan to claim both pensions.
- Keep your service periods clearly separated no overlaps.
- Regularly monitor your posted contributions in both SSS and GSIS.
- If unsure, visit both agencies for an eligibility review.
FAQs
Q: Can I really get both pensions?
Yes, as long as you meet all requirements and your contributions are for separate work periods.
Q: I refunded my SSS contributions years ago can I reinstate them?
No, refunds permanently cancel your SSS pension eligibility.
Q: What if my records have errors?
Report them immediately to SSS or GSIS to have them corrected before you file your claim.
Final Thoughts:
Getting both SSS and GSIS pensions is possible, but it takes careful planning and strict compliance with the rules. If you’ve served in both the private and public sectors, protect your eligibility by keeping records accurate, avoiding overlaps, and never cashing out your contributions prematurely.