Now, more than ever, the cost of living is surfing higher and the way to achieve financial soundness is to be wise in one's financial investments. But what if you are mandatorily thrusted into a policy program like the SSS? How will that contribute or affect one financially?With a view to promote the wellbeing of the country's citizens, the SSS was created by the government to handle the private sector. The objective is to provide covered employees and their families protection against the hazards of disability, sickness, old age, and death.However, objections had been raised against its existence. M.B. Lamberte, on his paper "Social Adequacy and Economic Effects of Social Security", gave two major objections, namely: people of less developed countries can't afford a Social Security Program and individuals can achieve best allocation of their income when left to themselves.With this objection in mind and the present day situation, this thesis tries to analyze if the employees of an organization will receive a fair return on their peso contributed to SSS. This is the SSS money's-worth question.This is made possible by the development of formulas for the present values of future contributions and of future benefits which includes death, retirement, total disability and benefits for death of pensioner based on the 1995 SSS Law. To ease computations, a Visual FoxPro program had been created.