The headline figure of ₱1,625 is the average monthly improvement a typical retirement pensioner will receive after all three annual increases have been implemented under the SSS Pension Reform. It is not a single one-time jump in October 2025. Instead, the rise is delivered in three yearly tranches starting September 2025 and continuing each September through 2027. For most retirees, the first month when the higher amount becomes visible in the bank account is the October 2025 payout, because SSS applies the new rate from September and credits on the usual monthly cycle.
Put simply: the reform lifts the average monthly retirement pension from about PHP 4,923 to about PHP 6,548 once all steps are in place, which equals an average gain of ₱1,625 per month.
₱1,625 SSS Retirement Pension Increase (October 2025)Quick summary
| Item | Details |
|---|---|
| Programme | SSS Pension Reform (multi-year increase) |
| What changes in 2025 | Beginning September 2025, annual step-ups start for retirement pensions; most retirees see the first higher credit in October 2025 |
| Average before reform | About PHP 4,923 per month |
| Average after all tranches | About PHP 6,548 per month |
| Average total gain | About PHP 1,625 per month once all three increases have posted |
| Tranche schedule | September 2025, September 2026, September 2027 (credited on the next regular payout cycles) |
| Who benefits | Eligible SSS retirement pensioners; increase is automatic, no reapplication |
| Official site | https://www.sss.gov.ph/ |
How the three annual increases stack up
The reform uses a year-on-year step-up. Each year’s increase is applied to the then-current amount, not just the original base. That is why the total improvement accumulates meaningfully across three years.
- First increase: Effective September 2025, reflected on the October 2025 payout
- Second increase: Effective September 2026, reflected on the October 2026 payout
- Third increase: Effective September 2027, reflected on the October 2027 payout
Illustration for a typical retiree
Assume a retiree’s monthly pension before the reform is near the historical average of PHP 4,923. After the three annual steps, the average outcome lands near PHP 6,548. That difference is the PHP 1,625 that has been widely cited. Your personal numbers may be higher or lower than this average, depending on your individual SSS record and computation basis.
Who is eligible for the increase
- You are an SSS retirement pensioner with an active, ongoing monthly pension.
- You are at least 60 years old (or the age that qualified you for retirement under SSS rules).
- You are a registered SSS member who has met the minimum contribution requirement (historically 120 monthly contributions to qualify for a lifetime retirement pension).
- Your record is not under suspension and your bank details are valid and active.
Important: The increase is automatic. You do not file a separate application. If your account is on hold or suspended for documentation reasons, contact SSS to reactivate it so future credits including the higher amounts post correctly.
October 2025 payout: what to expect
- Most retirees will see the first stepped-up amount on their October 2025 credit date.
- Exact posting dates vary by bank and assigned deposit schedule.
- If your October credit does not reflect an increase, first check your My.SSS account and bank statement. If the rate did not change, verify that your record is active, your bank account remains open under your name, and there are no outstanding holds. Then contact SSS if needed.
Why the total gain is delivered in tranches
A staged approach protects fund stability while addressing the real-world impact of inflation on pensioners. By phasing the increases in September of three consecutive years, SSS aligns adjustments with contribution, funding and operational planning cycles. It also allows pensioners to benefit earlier (from October 2025 onward) rather than waiting for a single distant adjustment.
What retirees should do now
- Confirm your bank account is active and matches your name on SSS records.
- Update contact details (mobile, email, address) in My.SSS to receive advisories.
- Monitor credits monthly so you notice the October 2025 change and subsequent annual increases.
- Resolve any holds immediately (for example, closed account, name mismatch, missing documents).
- Keep records of deposit dates and amounts; this helps SSS assist you faster if you raise a query.
Common scenarios and answers
- I just turned 60 and my retirement pension started recently. Do I get the increase
Yes, if you are an active retirement pensioner at the time each tranche takes effect, the step-ups apply automatically to your monthly amount. - My bank account changed. Will this affect the increased deposits
It can. Submit your new bank confirmation letter to SSS and wait for acknowledgement. Changing close to payout dates may shift which month the new account begins receiving funds. - I receive a separate add-on (for example, dependent’s share). Will that change too
Your total payout follows SSS computation rules. The principal pension amount adjusts per the reform; any add-ons are handled according to existing policies.
Frequently asked questions
Q1): What is the PHP 1,625 SSS retirement pension increase for October 2025?
It is the average monthly improvement that a typical retiree will see after all three yearly increases have been implemented by 2027. You will not receive the full PHP 1,625 jump immediately in October 2025; the improvement arrives in tranches over three years.
Q2): Who receives the PHP 1,625 average gain?
Eligible retirement pensioners. The figure is an average derived from increasing the historical average pension of about PHP 4,923 to about PHP 6,548 after the three steps. Individual results vary.
Q3): Is the PHP 1,625 increase the same for everyone?
No. It is an average benchmark. Your exact uplift depends on your own pension amount and SSS computations.
Q4): How long before the full average gain is felt?
The staged increases are effective each September from 2025 through 2027 and are typically seen on the October payouts of those years. The full effect appears after the third tranche.
Q5): Do I need to reapply?
No. The increase is automatic for eligible, active retirement pensioners.
Q6): What if my October 2025 deposit did not change?
Check My.SSS for your current rate and verify your bank posting. If your record shows a hold or your bank account is inactive, resolve this with SSS so the updated amount can post on subsequent cycles.
Official link
- Social Security System (SSS): https://www.sss.gov.ph/
Bottom line
The SSS pension reform begins adjusting retirement pensions from September 2025, with most retirees seeing the first higher credit in October 2025. The often-quoted PHP 1,625 is the average total monthly improvement once the three annual tranches (2025, 2026, 2027) have all taken effect, lifting the average pension from about PHP 4,923 to about PHP 6,548. Keep your bank and contact details current, monitor your monthly credits, and rely on official SSS advisories for any scheduling clarifications.
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