In return for the 5% contribution, insured employees (Section 33) receive seven categories of benefits. The commonly cited split of the contribution directs about 1.5% to sickness, maternity, invalidity, and death benefits, 3% to child allowance and the old-age pension, and 0.5% to unemployment. The main entitlements are summarised below.
Benefit
What the insured employee receives
Healthcare (sickness)
Free treatment for non-work illness and injury at the registered SSO hospital, including outpatient and inpatient care.
Maternity
Lump-sum childbirth grant of THB 15,000 per delivery, plus 50% of wages for 90 days of maternity leave (limited to two pregnancies).
Invalidity / disability
Monthly disability pension (up to 50% of wages) plus medical care for non-work disabilities, for the qualifying period.
Death
Funeral grant (at least 50,000 THB) plus a survivors' lump sum based on contribution history.
Child allowance
Around THB 1,000 per child per month, for up to three children aged under six.
Old-age pension
From age 55 with at least 180 months of contributions: a monthly pension of at least 20% of average wages (or a lump sum for shorter records).
Unemployment
50% of wages for up to 180 days if laid off; 30% for up to 90 days if the employee resigns (requires 6 months' contributions in the prior 15).
What the Social Security Fund Covers