SSS reported a net income of P142.97 billion in 2025, up 58.4 percent from the previous year. Total assets expanded to P1.26 trillion, a 22.1-percent increase from P1.03 trillion in 2024.
Historic financial milestone
The agency’s reserve fund exceeding P1 trillion marks a significant strengthening of its financial base, enhancing its ability to withstand economic shocks, manage demographic pressures, and meet future benefit obligations.
“This record performance and over P1-trillion reserve fund level send a clear message to SSS members: your pensions are secure; your benefits sustained,” Finance Secretary and Social Security Commission (SSC) Chair Frederick D. Go said in a statement.
“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.
Governance and discipline
SSS President and Chief Executive Officer Jay de Claro attributed the improved performance to fiscal discipline, strengthened fund governance, and long-term reforms aimed at preserving actuarial soundness.
“Surpassing the P1-trillion 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.
Pension increases rolled out
Beyond financial gains, SSS implemented its first-ever annual pension increase in 2025. The reform grants yearly increases of 10 percent for retirement and disability pensions, and 5% for survivor pensions from 2025 to 2027.
The pension adjustment is expected to help boost household consumption among pensioners and contribute to overall economic growth.
In 2025, SSS disbursed P304.94 billion in pensions and benefits to 5.66 million members nationwide. Loan releases reached P61.11 billion, providing financial support to workers and their families.
Expanded member services
Service delivery was enhanced with the rollout of the MySSS Card, a fully functional debit card linked to a savings account that streamlines benefit and loan disbursements.
SSS also reduced interest rates on key loan facilities from 10 percent to 8 percent. The Pension Loan Program was expanded to include survivor pensioners, extending coverage to an additional 1.2 million members.
The agency continues to offer credit assistance through programs such as the Calamity Loan, Emergency Loan, and the upcoming Micro Loan Program. —Ed: Corrie S. Narisma
