Thai SSO 2026: Detailed Benefits Guide
- Rohan Jain
- 5 ชั่วโมงที่ผ่านมา
- ยาว 3 นาที
For most insured individuals in Thailand, the Social Security Fund is just a monthly deduction. Under the Social Security Act, this contribution used to be capped at 750 THB. However, as of 2026, the deduction has increased to 875 THB.
While Thai labor law and the Labour Protection Act govern working hours and workplace safety, the Social Security system handles your safety net. It is funded by social security contributions from three parties: the government, the employer and employee.
In 2026, the system saw its biggest update. The salary ceiling was raised, affecting Section 33 benefits directly. Unlike Section 40 (for freelancers), Section 33 covers full-time staff. This guide explains how to maximize your social security benefits under the new rules.
1. The 2026 Update: Why Contributions Increased
If you noticed a change in your payslip, do not panic. For decades, the cap was calculated on a 15,000 THB salary.
Effective January 1, 2026, the ceiling is 17,500 THB.
New Contribution: 5% of 17,500 equals 875 THB.
Who Pays: Both employee and employer contribute this matching amount.
This increase boosts your social security thailand benefits 2026. Cash replacement rates for sickness and unemployment are now calculated on this higher base, offering better protection for insured individuals.
2. Dental Treatment: Do Not Miss Your 900 THB
One of the most underused Section 33 benefits is the dental grant. You are entitled to sso dental coverage 900 baht per year.
Scope: Covers scaling, fillings, extractions, and wisdom tooth removal.
Usage: You can use this at private clinics. If the clinic participates in the direct billing scheme, you do not pay upfront.
Timing: This benefit resets every calendar year. If you do not use it within the working days of the year, it expires.
3. Medical Rights: UCEP and Choosing Your Hospital
Your SSO card grants free care at your registered hospital. This includes major surgeries if medically necessary.
Emergency Rights (UCEP): If you face a life threatening crisis, Thailand employee rights allow you to enter ANY hospital for free for the first 72 hours under the UCEP scheme.
Changing Hospitals: You can change your designated hospital once a year, usually between December and March.
4. Maternity Leave and Child Allowance
Family benefits have improved.
Maternity Leave: Female employees are entitled to 98 days of maternity leave. Social Security pays 50% of wages for 45 days, while the employer pays the rest as per the Labour Protection Act.
Lump Sum: A payment of 26,250 THB per birth is available.
Child Allowance SSO 2026: You receive 800 THB per month per child (ages 0 to 6). This helps offset costs for working parents.
5. Unemployment and Termination of Employment
Whether it is a resignation or termination of employment, the fund supports you.
To qualify, you must have paid contributions for at least 6 months within the 15 months prior to unemployment.
Resignation: You receive 30% of wages for up to 90 days.
Layoff: You receive 50% of wages for up to 180 days.
Critical Rule: You must register with the Employment Department within 30 days of your last working day. If you miss this window, you may lose your rights.
6. Old Age Pension Thailand
The Thai sso pension calculation is the main reason for the 2026 contribution hike.
Age Pension: Available to employees aged 55 who have ceased employment.
The Formula: If you contributed for 180 months (15 years), you get 20% of your average salary (last 60 months).
The Impact: With the base raised to 17,500 THB, your old age pension thailand monthly payout will be significantly higher than before.
Conclusion on Thai SSO
Social Security is more than a tax. It is a vital safety net. By understanding the Social Security Act updates, you ensure you get every baht you are owed.
From dental treatment to the new unemployment benefits thailand rates, these perks are designed to protect both the employer and employee.
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References
Social Security Office (SSO). (2026). New Contribution Ceiling and Benefit Adjustments 2026. Retrieved from https://www.sso.go.th
Tilleke & Gibbins. (2025). Thailand Increases Social Security Base Wages and Benefits. Retrieved from https://www.tilleke.com
Baker McKenzie. (2025). Thailand: Upcoming changes to increase maximum wage base for Social Security. Retrieved from https://insightplus.bakermckenzie.com
KPMG Thailand. (2026). New ministerial regulation increases Thai Social Security wage ceiling. Retrieved from https://kpmg.com/th
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