Query: If a dependent minor child reaches 21 years old and becomes ineligible for a pension, does the pension automatically transfer to the surviving spouse of the deceased SSS member?
In the context of the Social Security System (SSS) in the Philippines, when a dependent child reaches the age of 21, they typically lose their eligibility to receive a pension, unless they are incapacitated and unable to support themselves. The question often arises whether the portion of the pension that was allocated to the now-ineligible dependent automatically transfers to the surviving spouse.
It is important to clarify that the pension does not automatically reconfigure its distribution upon a dependent turning 21. The pension benefits under the SSS are structured based on specific eligibility criteria and allocations as defined by SSS regulations. When a child beneficiary turns 21 and is not incapacitated, their share of the pension ceases, and the total family pension amount can be adjusted, but not necessarily transferred directly to another beneficiary.
According to SSS rules, the total dependent's pension cannot exceed 10% of the monthly pension or 250 pesos, whichever is higher, but the total combined pension for all dependents should not exceed 50% of the monthly pension of the retired, deceased, or permanently disabled member. When a dependent child surpasses the age threshold or no longer qualifies for other reasons, their portion of the pension typically ends without automatic reallocation to other beneficiaries such as the surviving spouse.
However, the surviving spouse remains entitled to their own portion of the pension as long as they meet the eligibility requirements, such as not remarrying or cohabiting with another partner. If there are other minor children or dependents still eligible, their portion of the pension remains unaffected.
For any adjustments or specific concerns regarding the allocation and distribution of SSS pension benefits, it is advisable for beneficiaries to directly consult with SSS. This ensures that they receive accurate information tailored to their individual circumstances and remain informed about their rights and entitlements under the pension system. Engaging with SSS can also provide clarity on how changes in beneficiary status, like a child reaching the age limit, affect the overall pension distribution within the family.