Philippines Employee Compensation Program 2025: Eligibility, Benefits, and Application

The Philippine government continues to strengthen social protection for workers through the Employee Compensation Program (ECP). The Philippines Employee Compensation Program 2025 provides financial and medical assistance to workers who become sick, injured, disabled, or die due to work-related causes.

The program ensures that employees and their families are not left to shoulder the economic burden of workplace accidents or occupational illnesses. For private-sector employees, overseas Filipino workers (OFWs), household workers, and self-employed members, the program is managed by the Social Security System (SSS). For government employees, it is administered by the Government Service Insurance System (GSIS).

What is the Philippines Employee Compensation Program?

The ECP is essentially a form of workplace insurance that employees do not have to pay for. Employers make the contributions each month:

• If the Monthly Salary Credit (MSC) is ₱14,500 or below – employers contribute ₱10 per month.
• If the MSC is ₱15,000 or higher – employers contribute ₱30 per month.

In exchange, employees gain access to significant financial and medical benefits in the event of a work-related illness, accident, disability, or death. The Employees’ Compensation Commission (ECC) under the Department of Labor and Employment (DOLE) sets the guidelines to ensure fair and timely coverage.

Quick Summary: Employee Compensation Program 2025

Coverage of the ECP 2025

The ECP covers:

• Private sector workers (SSS members).
• Government employees (GSIS members).
• Overseas Filipino Workers (OFWs).
• Household service workers (kasambahays).
• Self-employed members.

Coverage begins from the first day of employment or from the first SSS contribution for self-employed members.

Eligibility for Employee Compensation Benefits

To qualify for ECP benefits in 2025, the following conditions apply:

1. The employee must be an SSS or GSIS member.
2. The illness, injury, disability, or death must be work-related.
3. Notification requirements:
   • Employees must notify their employer within 5 days of sickness or injury (not needed if it occurred at the workplace during working hours).
   • Self-employed members must notify SSS within 5 days (if confined at home) or within 1 year after hospital discharge.
4. The claim must be filed within 3 years from the date of sickness, injury, or death.

Work-Related Incidents Covered

• Accidents within the workplace while performing duties.
• Commuting to or from work.
• Accidents during breaks, lunch hours, or official company activities.
• Incidents outside the workplace if under official employer instruction.

Benefits Under the Employee Compensation Program 2025

The program offers a wide range of financial and medical support:

1. Income Benefits

• Temporary Disability: Daily cash allowance for up to 240 days, ranging from ₱110 to ₱480 per day until recovery.
• Permanent Total Disability: Lifetime monthly pension if the worker is completely and permanently disabled.
• Permanent Partial Disability: Monthly pension or lump sum, depending on the body part affected.

2. Medical Benefits

• Covers hospital expenses, medicines, rehabilitation services, and doctor’s fees.
• Access to accredited hospitals, although services are limited to general ward accommodation.

3. Rehabilitation Services

• Includes physical therapy, psychological counseling, occupational rehabilitation, entrepreneur training, and job referrals.

4. Carer’s Allowance

• If the disability leaves the worker needing constant assistance, an additional ₱1,000 per month is provided to help pay for a caregiver.

5. Funeral Benefit

• If a worker dies due to a work-related incident, the family receives ₱30,000 as funeral assistance. The amount can be claimed by the spouse, dependent children, or whoever paid the funeral expenses.

6. Death Benefit

• Provides ongoing financial support to primary beneficiaries (spouse and dependent children).
• If no primary beneficiaries exist, dependent parents may claim.

Why the ECP Matters in 2025

The ECP plays a crucial role in safeguarding Filipino workers and their families:

• Ensures that workplace risks do not translate into lifelong poverty.
• Provides replacement income for employees who lose earning ability.
• Offers comprehensive medical support for recovery and rehabilitation.
• Assures families of financial support in the unfortunate event of death.

This program emphasizes the government’s commitment to social protection and workers’ welfare.

Fact Check – Employee Compensation Program

• Contributions: Paid entirely by employers, not employees.
• Coverage: Starts on the first day of work.
• Notification: Workers must inform employers or SSS/GSIS within the required time frame.
• Maximum Daily Cash Allowance: ₱480/day for temporary disability.
• Funeral Assistance: ₱30,000.

FAQs: Employee Compensation Program 2025

Q1. What is the Philippines Employee Compensation Program 2025?

It is a government program that provides financial and medical support to workers who suffer work-related sickness, disability, injury, or death.

Q2. Who pays for ECP contributions?

Only employers pay the contributions; employees do not shoulder any cost.

Q3. Who is covered by the program?

Private-sector workers, government employees, OFWs, self-employed members, and household workers.

Q4. What are the main benefits under the program?

Income replacement benefits, hospital care, rehabilitation services, carer’s allowance, funeral assistance, and death benefits.

Q5. How long can temporary disability benefits last?

Up to 240 days, provided medical documentation supports the claim.

Q6. What is the funeral benefit under the program?

₱30,000 is granted to the family or the person who paid the funeral expenses.

Q7. Where can workers apply for claims?

Through SSS for private, OFWs, self-employed, and household workers, and through GSIS for government workers.

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