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Social Security Fund

The Social Security Fund (SSF) was established under the Social Security Act B.E. 2533 to provide employment security and stability for Thai citizens. 

An employee, being over fifteen years of age and not more than sixty years of age, shall be classed as an insured person.

Fund Effectiveness 

After paying full monthly contributions for three consecutive months to the fund, the employee will receive a Social Security Card and be entitled to free OPD and IPD medical treatment at a participatinghospital. Other benefits also apply.Note: There are different conditions for each benefit (see below). Please visit www.sso.go.th (Social Security Office of Thailand) English version for further information.  

Contributions to the Fund

The Government, an employer and an insured person shalleach pay contributions to the Fund at the rates prescribed in the Ministerial Regulations for payment of benefits relating to sickness, maternity, disability, death, child allowance, retirement and unemployment. Contributions shall not exceed the rate of contributions appended to The Act.  

Conditions Government Employers Employees
1. Sickness Every party will make a contribution equal to 1.5% of monthly salary.
2. Maternity
3. Disability
4. Death
5. Child Allowance 1% of monthly salary 3% of monthly salary 3% of monthly salary
6. Retirement 
7. Unemployment 0.25% of monthly salary 0.5% of monthly salary 0.5% of monthly salary

Note: Base salary used to calculate contributions  ranges from 1,650 to 15,000 baht per month.

As categorized under the defined benefit system, the SSF regulates members' benefits at the very outset, regardless of the amount of contributions or returns on investment of or by all parties. Every employer with at least one employee, as well as  all workers, except those exempted by the Act, such as civil servants, state enterprise employees and private school teachers, are required to make equal contributions, while the government subsidizes an additional levy to the fund.

Whenever salaries are paid, employers must submit the contributed sums to the Social Security Office by the 15th day of the month following the month when the contribution is deducted.

Benefit Payouts
              Benefits paid out to insured persons are of two types: 
1. Retirement lump sum will be paid out under the following conditions:
            (1) Insured persons have made consistent contributions for less than 180 months.
            (2) Cessation of insured status.
            (3) Insured persons are fully 55 years of age.
     1.1 Insured persons making consistent contributions for less than 12 months are entitled to benefits equal to their contributions in the cases of retirement and/or child allowance.
     1.2 Insured persons making contributions for not less than 12 months are entitled to benefits equal to their contributions in the cases of old age and/or child allowance, plus interest set by the Social Security Office.

2. Retirement pension is paid monthly for life under the following conditions:
            (1) Insured persons had continually made contributions for not less than 180 months.
            (2) Cessation of insured status.
            (3) Insured persons are fully 55 years of age.
The retirement pension benefit will be equal to 20% of the average monthly wage of the last 60 months. Please note that the salary base used to calculate a pension must range between 1,650 and 15,000 baht per month. In addition, for every additional 12 months of contributions above the consecutive 180month obligation, the benefit will accumulate by 1.5%. 

Tax Benefits
             Social Security benefits are tax exempted. 
            Please note that the SSF is unlikely to be a sufficient source of savings (income) if one wants to maintain the same quality of life after retirement. Therefore, besides the SSF, employees are advised to look into other options, such as provident funds and retirement mutual funds, for additional sources of financial security.

Fund Effectiveness 

After making complete contributions of three months to the fund, each employee will receive a Social Security Card and be entitled to free OPD and IPD medical treatment in a participating  hospital as well other benefits.  Note: There are different conditions for each benefit. Please visit www.sso.go.th (Social Security Office of Thailand) English version for further information. 

Social Security Benefits Table

Benefits Conditions Remarks

1. Injury or Sickness

Employees must have made a minimum contribution to the fund for 90 days/3 months out of the last 15 months. Benefits include: free IPD and OPD treatment in a participating hospital. If, in emergency cases, the employee uses a non-participating hospital, the employee will be liable for all costs. A fully detailed receipt should be obtained and then used to claim reimbursement. This may take one or more months.

Includes:  Dental   treatment for tooth removal at THB 300 per one time to a maximum of THB 600 per year. 

2. Maternity

Employees can claim two times after making complete contributions for seven months out of 15 months before giving birth. Employees can claim a sum of THB 13,000 per child)  Female employees will receive  45 days payment of 11,250 baht (50 % of 15,000 baht = 7,500 baht + 3,750 baht) .

Show your card. Application is required.   

3. Disability

Physician's recommendation and opinion is required. 

 Application is required.

4. Death

40,000 baht is payable after death. There will be an additional fund available of 50% of the average 3 months salary (Maximum base 15,000 baht) after contribution to the SSF for 3-9 years or 50% of the average of 10 months salary (maximum base 15,000 baht) after contribution to the SSF for 10 years or more. Application requires a Death Certificate. 

 Application is required.

5. Child Allowance

If the employee has two or more children, whose age is not more than six years, after complete contributions for 12 months out of 36 months, the employee can claim a sum of THB 400 per month per child.

 Application is required.

6. Retirement

If the employee has made complete contributions for 180 months or 15 years and has reached 55 years of age and is no longer an insured person, he or she will receive a monthly payment until death. If the employee has made contributions for less than 180 months, the employee will receive a lump sum.  

 Application is required.

7. Temporary Unemployment

After making complete contributions of 6 months out of 15 months before unemployment, the claimant will receive 50% of the base salary for 180 days (based on actual salary not exceeding THB 15,000) Resignation: The claimant will receive 30% of base salary for 90 days.

 Application is required within 30 days after unemployment. The claimant needs to report in person every 30 days.