Some SSS benefits are privileges, not rights

one lady posted to complain about their sickness claim application, saying they did a lot of things to comply with the requirements only to find out the claim was denied because of ineligibility.

it must be remembered that sss is mainly a retirement benefit, all other benefits are privileges, or just add-ons, thanks to the goodness of SSS.  people keep bad mouthing SSS, but really, there are many benefits tacked on to the original retirement plan.  imagine, the pension even passes on to the spouse. for example,  you dont see this happening, say in the US.

being granted a loan is another privilege. there are rules regarding loans.  eligibility, and payment terms. eligibility requires at least 36 months for a month, and 72 for 2 months - and the basis is the MSC (monthly salary credit).  payment terms include when a loan can be renewed. just as a refresher, one can renew a loan only after 50% of the loan has been paid, or at least 50% of the term has passed - whichever is longer.  it cannot be shortened by double paying - and the payments must already be posted by SSS - which is different from when it was actually paid.  SSS is NOT a bank, therefore, its transactions are NOT online, real-time.  SSS transactions are BATCHED.

because many of these benefits are privileges, they are available only for active members.  Active members are currently paying members.  also, as sss members - you MUST know your rights, and your privileges and do not confuse either, or both.

know the requirements, and do not blindly do things - and then be angry if you do unnecessary things.