Unlike Pag-IBIG contributions that can be withdrawn after 20 years, paid SSS contributions cannot be refunded. You can only file a claim for benefits (sickness, maternity, etc.) or claim your pension upon reaching retirement age. Likewise, members can’t terminate their SSS membership because they’re covered forever. Even after the member’s death, the SSS will pay a monthly pension or lump-sum amount to the member’s beneficiaries.