Complete Guide to SSS Online: Registration, Contribution & Benefits

Last Updated on – Jul 13, 2022 @ 9:30 am

If you’re reading this, you probably have a question or two regarding your SSS membership.

You’re in luck because this massive guide from Grit.PH compiled all relevant and oft-asked questions our fellow Pinoys have about the SSS.

It’s all in here, your complete and neat handy SSS-wiki.

Questions like, “How do I benefit from the SSS?, How to apply? What are the requirements? – these and more including actual step-by-step guides of some of the most common processes are covered here, for your convenience.

Ready to boost your SSS-I.Q? Let’s get right to it!


What is SSS?

The Philippine Social Security System (SSS) has been serving as the social insurance program for employees in the Philippines for 61 years. SSS is a government agency that provides retirement and other benefits to all registered employees in the country.

Who can join SSS?

  • Any Filipino employee and employers (Government employees can’t join as they have their own Government Service Insurance System)
  • Overseas Filipino Workers (OFW)
  • Self-Employed Filipinos
  • Non-Working Spouse
  • Voluntary Member without a job

Why is SSS important for retirement?

Retirement is something everyone looks forward to—the culmination of work life and the commencement of a relaxed and generally slower pace of living.

But in order to have a relaxed life, you must have a pension to allow you such a lifestyle.

When you do decide to retire, you are eligible to receive a pension from SSS as long as you have been paying your contributions for at least 120 months.

You will receive this pension on a monthly basis until you pass on. The amount of your pension will depend on the amounts of months you contributed.

But don’t fret.

If you weren’t able to accomplish a 120-month contribution, you can still receive a lump-sum amount that is calculated based on how much your employer has paid during the time you have been registered, with added interest.

Related: Top Life Insurance Companies & Plans in the Philippines

How do I benefit from it?

SSS has many benefits for its members. Some benefits are not well known but here are the most important and useful benefits that the government service provides:

1. SSS P.E.S.O Fund

The Personal Equity and Savings Option (P.E.S.O.) Fund is an optional savings/investment scheme allows you to earn a higher pension by paying a higher monthly contribution than the normal SSS contribution.

2. Employees’ Compensation Program

All SSS members are automatically covered by the Employees’ Compensation (EC) program.

Your employer pays the monthly EC contributions (PHP 10 or PHP 30) on your behalf during your employment with the company giving you automatic benefits like work-related sickness, injury, or disability relief benefits.

3. Funeral Benefit

This benefit allows you to receive cash compensation if you paid for the funeral expenses of a deceased SSS member.

4. Disability Benefit 

If you have a disability, you are entitled to this benefit either as a monthly or lump sum payment.

5. Sickness Benefit 

SSS provides a sickness relief benefit if you miss work due to an illness. You’ll receive compensation per day missed.

6. Death Benefit 

If you’re the beneficiary of an SSS member that has passed away, you can receive a monthly pension or lump sum.

7. Maternity Benefit 

SSS gives you daily cash allowance if you are not able to work because you’ve recently given birth either natural or C-section.

8. Salary Loan 

The SSS salary loan provides you with a short-term salary loan if you’re in need of quick cash.

9. Retirement Benefit 

All SSS members are entitled to retirement benefits either as a pension or lump sum payment.

Related: Retirement Planning: 5 Ways to Build a Retirement Fund in the Philippines

How to Apply for an SSS Number

There are two ways of obtaining your SSS number for the first time, physically and online.

Once you get your SSS number it is yours for life, so you only have to do this process once and you should memorize it ASAP.

The first method is done physically.

You must fill up the Personal Record (SS Form E-1) form and submit it with the original/certified true copy and photocopy of any of the primary or any two (2) of the secondary documents listed below.

At least one should have a photo and  your date of birth for the secondary documents.

Primary Documents (only ONE is required):

Secondary Documents (if no primary document is available, submit TWO of the following):

  • Alien Certificate of Registration
  • ATM card with the cardholder’s name
  • ATM card and certification from the issuing bank that the account number belongs to the cardholder, if the card does not bear the cardholder’s name
  • Bank Account Passbook
  • Birth/Baptismal Certificate of children
  • Certificate from:
    • Office of the Southern/Northern Cultural Communities
    • Office of Muslim Affairs
  • Certificate of Licensure/Qualification Document/Seafarer’s ID & Record Book from the Maritime Industry Authority
  • Certificate of Naturalization issued by the Bureau of Immigration
  • Company ID
  • Company Representative Authorization Card issued by SSS
  • Credit Card
  • Fisherman’s Card issued by the Bureau of Fisheries and Aquatic Resources (BFAR)
  • GSIS Card/Certificate of Membership
  • Health or Medical Card
  • ID card issued by Local Government Units (e.g. Barangay/Municipality/City)
  • ID card issued by professional organizations recognized by the Professional Regulation Commission (PRC)
  • Life Insurance Policy
  • Marriage contract
  • Membership card issued by private companies
  • NBI Clearance
  • Overseas Workers Welfare Administration (OWWA) card
  • Pag-Ibig Member’s Data Form
  • Permit to carry firearms issued by the Firearms & Explosives Unit of the Philippine National Police (PNP)
  • PHIC Member’s Data Record
  • Police Clearance
  • Postal ID card
  • School ID
  • Seafarer’s Registration Certificate issued by the Philippine Overseas Employment Administration (POEA)
  • Senior Citizen Card
  • Tax Identification Number (TIN) Card
  • Temporary license and Student Permit issued by the Land Transportation Office (LTO)
  • Transcript of School Records
  • Voter’s Identification Card/Affidavit

If you’re securing an SSS number as a surviving spouse or guardian aged 60 and above for the Annual Confirmation of Pensioners (ACOP) program, you can submit any of the secondary documents with a recent picture and age.

You should also submit your marriage contract when registering – if you’re married.

If reporting legitimate children then you must provide their birth or baptismal certificates; for legitimate children, the birth certificate must include the annotation “legitimated;” if reporting legally adopted children, please provide the decree of adoption. If you are reporting an illegitimate child, provide their birth or baptismal certificates.

You can also present any of the following documents that can prove the relationship of the reported dependency (if you don’t have either birth or baptismal certificates).

  • School Record
  • Insurance Policy
  • Statement before a court

All documents should be presented in their original or certified copies for SSS authentication.

How to apply for SSS online

The second method is online, which can save you tons of time and trouble. Below are steps to the straightforward process:

  1. Go to the SSS websiteComplete the online form and submit.
  2. Once you submit the form, a link will be sent to your email. Click on the link and fill out the next form.
  3. Complete the form and your SSS number will be created. After you click “Generate SS Number”, you will see the option to print your ePersonal Record and SS Number Slip, which also will be sent to your email.
  4. Print the Personal Record Form, SS Number Slip, and SSS Number Application Confirmation email and bring these to the nearest SSS branch along with the required documents.

Member Data Amendments

If you need to change any information in your record, you must report it immediately to any SSS office through the Member’s Data Amendment Form (SS Form E-4) and submit with the original/certified true copy and photocopy of the following:

  1. Marriage certificate for change of civil status;
  2. Birth or baptismal certificate of children for new additional children;
  3. Birth or baptismal certificate or passport for correction of name and date of birth.

If you can’t provide any of those three documents for change of name and birth date, you must show the Certificate of Loss or Non-availability verified by the Local Civil Registrar and Parish of your place of birth.

And any two of these documents that can show your date of birth and name:

  • Record of Employment
  • GSIS Member’s Record
  • Certification from the National Archive
  • Alien Certificate of Registration (ACR)
  • Birth Certificate of children
  • Certificate of Naturalization issued by the Bureau of Immigration
  • Marriage contract
  • Driver’s license issued by LTO
  • School records
  • Voter’s ID card or Affidavit duly authenticated by COMELEC
  • TIN card
  • Life Insurance Policy
  • NBI Clearance
  • Pag-Ibig Member’s Data Form
  • PHIC Member’s Record
  • Permit to carry firearms issued by the Fire & Explosives Unit, Camp Crame
  • Certification from the Office of the Cultural Minorities (Aetas, Negritoes, Mangyans, Manobos, etc.)

If the amendment is for a complete name change, provide a Joint Affidavit of two (2) persons who personally know you, your use of the two different names, and can attest that both belong to you.

If you are Muslim, you should provide a Sharia Court certificate along with the supporting documents for the following data change requests:

  • Marriage certificate for change of civil status;
  • Certificate of divorce for divorce
  • Certificate of conversion to Islam for conversion

For authentication please provide the original or certified true copies of these documents.

SSS Online Registration: Creating an Online Account for your SSS

The SSS launched its latest member online registration portal on its official website. Prior to this update, members were required to sign up for access via the SSS Online Member User ID Registration page.

Now, members who wish to access their SSS account information and tools online can simply go and visit this page to register.

Step 1: Go to the SSS website’s online registration page

Step 2: Click the “Not Registered” option on the lower-right corner

Step 3: On the next page, fill out all required fields

Step 4: Click the “Register” button after completing and answering all boxes

As I already have an existing SSS online account (apparently), I tried to log in but had to request for a password reset first as I can’t remember what I used before.

Also, I realized that while the password reset option is fast (they’ll send you an email right away so you can reset it), the username retrieval is a hassle since you have to know your employer’s SSS ID.

I ended up having to email their support department ( to request that they provide me with my username (or an option to reset it). Until now I still haven’t received a reply.

That issue aside, here’s the list of things you can do when you activate your SSS Online access.

  • Registration
  • Update Information
  • Retirement Application
  • Request Records
  • Premium Contributions
  • Branch Appointment
  • Change Password
  • Employment History
  • Forgot Password
  • Maternity Notification
  • Member Details
  • Payment Reference Number (PRN)

Also Useful: How to Register Online in My.SSS

How to get an SSS ID / UMID ID

Once you have your SSS number, you are required to obtain the SSS ID. This can be done at any SSS branch offices. You must present the following documents.:

  • Birth certificate
  • Marriage certificate (if married)
  • Birth certificates of children (if you have children)

If you don’t have a birth certificate, any of the following are accepted:

  • Baptismal certificate
  • Driver’s license
  • Passport
  • Professional Regulation Commission (PRC) card
  • Seaman’s Book (Seafarer’s Identification and Record Book)

You must always provide the original copies of the documents and IDs for verification purposes.

Don’t worry, the SSS staff will not keep them. You must also fill up the E-6 Form that you can ask the clerk for, once you arrive at the office.

Depending on the branch, this may be a lengthy process.

Prepare yourself to wait around 4 hours or more. Best time to arrive at 6 am so you can finish by 10 am.

How to obtain the ID Clearance and Capture

The ID Clearance indicates your schedule for your ID capture.

This process usually takes about 2 to 3 days, because once you submit the E-6 Form, you will be scheduled for ID capture in the following days.

The earlier you arrive the quicker you will finish.

In most offices, the guard will provide you with a queue number for ID capture. Groups are divided into 20s, according to schedule. If you’re late, they can’t guarantee you will be served on time.

Unlike the submission of the E-6 Form, the ID capture is fairly quick.

The SSS staff will take your personal data (fingerprints, signature, facial images, and 4-digit pin number).

You’ve got mail!

You will receive your SSS ID a month after your ID capture, at the address you specified on your registration.

If you have not received your ID after a month, approach your nearest SSS branch office and present your 4-digit PIN Number for verification.

How to Apply for an SSS Loan

What’s an SSS Loan and who are entitled to get it?

The SSS salary loan is a cash loan that can be availed by all SSS members when in need of short-term credit.

This loan has a 10% interest rate per year, and the extension of the loan payments will be determined by the amount of time you’ve have been an active contributor.

You may renew the loan if you have paid off at least 50% of your original loan.

Loans can be availed by local and overseas contributors.

SSS members living abroad can also apply at SSS offices overseas.

Should there be no SSS office in their country of employment, applications may be sent to relatives in the Philippines with authorization for them to file.

Take note that documents issued in any country overseas should be authenticated or certified by the Philippine Consulate Embassy.

Application procedure and requirements

The loan is equivalent to one month’s or two months’ worth of your salary after making at least 36 months total contributions, and 6 months of contributions in the last twelve months.

In the case of a two-month salary loan, there need to be at least 72 months of posted contributions and 6 months of contributions in the last twelve months.

In order to apply, you need your SSS ID or E-6 form and two valid photo IDs.

You can apply online at the official SSS website, through the E-Service tab which will give you a confirmation email and transaction number.

You can also do it at one of the SSS branches. This is the only option if you’re self-employed or on voluntary pay. To do it at the branch, the following is required:

  • Member loan application form
  • Accomplished SSS Form ISL-101
  • SSS Digitized ID or E-6
  • 2 valid photo IDs with signature

OFW members may apply at an SSS Foreign Representative Offices.

If there is no office in their country of employment, they need to designate a representative to submit the application at a local SSS branch. They need to present the following:

  • Accomplished member loan application form
  • Authorized Representative’s SSS card or two valid photo IDs with signature
  • A Letter of Authorization signed by both the OFW borrower and authorized representative
  • OFW’s SS card or two valid photo IDs with signature

It will take between two or three weeks for the loan to be assessed and/or approved.

For employees, their checks will be sent to their employers.

For OFWs and self-employed members, they will be notified when their checks are ready at the SSS branch.

The checks are issued by the Philippine National Bank and may be encashed at any PNB branch with two valid IDs with picture and signature. 

There is a 1% service charge taken directly from your loan.

Related: How to Get Personal & Business Cash Loans Online in the Philippines

How to Apply for SSS Retirement Benefits

Retirement benefits and requirements

If you’re an SSS member, you can avail of a pension when you reach the age of 60 or more.

The pension you will receive is determined by the amount of time and payments made to the system.  

There are two types of retirement benefits:

  1. Monthly pension – a lifetime cash benefit paid to a retiree who has paid at least 120 monthly contributions to the SSS prior to the semester of retirement;
  2. Lump sum amount – granted to a retiree who has not paid the required 120 monthly contributions. It is equal to the total contributions paid by the member and by the employer including interest.

Computation and claiming

There are three ways to compute SSS pension in the Philippines, these are based on the information available on the SSS website.

  • The sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of ten years; or
  • Forty (40) percent of the average monthly salary credit; or
  • P1,200, if the CYS is at least 10 but less than 20; or P2,400, if the CYS is 20 or more.

For a thorough guide on how to apply, file and collect your pension you can visit the SSS Retirement Guidebook.

How to Apply for an SSS Disability Benefit

The monthly disability pension you will receive ranges from P1,000 to P2,400, and is determined by the duration of your contributions.

You will also receive an additional P500 per month as a supplemental allowance.

Application procedure and requirements

You must have been active for at least one month before the semester in which you apply for the benefit. If you have paid contributions for more than 3 years, you’re entitled to a monthly disability pension.

If you have been active for under three years, you will receive a lump sum amount.

To apply, first, you will need to prepare the following requirements and documents, and bring them to your nearest SSS branch to start the application procedure.

The following are the documents/requirements that need to be prepared:

  • Disability Claim Application is an application form needed to be filled out in order to notify the SSS that a disability had recently occurred.
  • Medical Certificate is needed in order to check the authenticity of the disability. (Please do not fabricate your disability.)
  • Other documents that may be required in order to support your disability claim or as proof that you really are suffering a disability such as x-ray, laboratory tests, hospital records, etc.
  • UMID or SSS biometrics card or two (2) other valid IDs (both with signature)
  • At least one (1) photo and date of birth

If for pension, additional requirements are required:

  • Photocopy of either passbook or ATM card with validated deposit slip or cash card enrollment form.

If the applicant is unable to file personally:

  • Sketch of applicant’s residence or place of confinement
  • Physical examination report describing manifestation, signed by the attending physician (only applicable for overseas applicants).

If for total disability member, with dependent children:

  • Certified true copy of marriage certificate register with LCR/NSO
  • Certified true copy of birth certificate of legitimate and illegitimate children
  • Legal adoption papers for legally adopted children
  • Any proof of filiations of illegitimate dependent children
  • Claim for the Dependent’s allowance is an SSS form needed to be filled out

After preparing ALL the documents needed, you may now carry them to your local SSS office branch and from there, the teller will guide you on how to file for the application.

Computation and claiming

The amount of monthly pension will be based on the member’s number of paid contributions and the years of membership prior to the semester of contingency.

Applications for disability benefit are filed at any SSS branch or representative office.

The minimum monthly pension is P1,000 for members with less than ten (10) credited years of service (CYS); P1,200 with at least ten (10) CYS and, P2,400 with at least twenty (20) CYS.

The pension will be paid directly to your registered bank account.

How to Apply for SSS Sickness Benefit

Your daily allowance is equivalent to 90% of your average daily salary credit.

Application procedure and requirements

You have to be confined at home or in a hospital for more than 96 hours, and not have more work sick leaves left. You must also have paid at least 90 day’s worth of SSS contributions within the last year.

In order to apply for this benefit, you should present the following

  • Sickness Notification Form
  • Medical documents
  • Accident/sickness report from employer if work related
  • Police report if work related
  • Valid IDs

For voluntary, self-employed, and unemployed, the SSS member must present these documents:

  • Sickness benefit application form for voluntary, self-employed, and unemployed
  • Medical certificates

Computation and claiming

In order to compute your sickness benefit you need to do the following:

  1. Exclude the semester (six months) in which the sickness occurred and count backwards one year from the month right before the semester of your sickness.
  2. The six highest Monthly Salary Credits (MSC) of the year will determine the amount you will receive, with the maximum fee being P16,000 monthly.
  3. Continue by dividing the total sum of the six MSC by 180 to get your average daily salary credit, which you will multiply by 90% and get your daily sickness allowance.
  4. Lastly, multiply your daily sickness allowance for the amount of days that have been approved for the sickness benefit.

For employed SSS members, their employers will advance the amount every payday and they will be reimbursed by the SSS.

For non-employed members, they will receive the amount directly in their registered bank account.

How to Apply for SSS Maternity Benefit

If you have given birth, you can receive a daily allowance that equals 100% of your daily salary credit.

This will be multiplied by 60 days for natural birth or miscarriage, and 78 days if birth is via C-section.

Application and requirements

First, you must notify your employer and the SSS about your pregnancy and also have paid at least 90 days’ worth of SSS contributions within the last year.  

You must submit a completed SSS Maternity Notification form with proof of the pregnancy, with photocopies of your UMID or SSS ID plus two valid IDs (both with signature and at least one with DOB and signature).

If employed, your employer will directly with the SSS.

After you’ve notified the SSS of your pregnancy, you can submit your request for the Maternity Benefit after the following documents have been prepared:

  • SSS Maternity Notification Form with the received stamp
  • SSS Maternity Reimbursement Form
  • Photocopies of your UMID or SSS ID plus two valid IDs (both with signature and at least one with DOB and signature).
  • Proof of birth

Computation and Claiming

As mentioned, the benefit involves a daily allowance that amounts to 100% of your daily salary credit.

This will be multiplied by 60 days for natural birth or miscarriage, and 78 days is birth is via C-section.

For employed SSS members, their employers will advance the amount within 30 days of filing, and they will be reimbursed by the SSS.

For non-employed members, they will receive the amount directly in their registered bank account.  

You cannot receive sickness benefit during the duration of the coverage of the maternity benefit.

The SSS will only cover the first four births and/or miscarriages.

How to Apply for SSS Funeral/Death Benefits

The amount of the death pension you may receive will be around P1,000 to P2,400, depending on how many years you have been active.

Your dependent minor children will receive either 10% your monthly pension or P250, depending which is higher.  

In addition, you will receive a 13th-month pension every December.

For funeral benefits, you can receive from P20,000 to P40,000, depending on how long you have been a contributor.

Application and requirements

To receive the monthly death pension, you must be the primary beneficiary (spouse and dependent kids) of a deceased SSS member that has contributed for at least 3 years.

If the deceased member was active for less, you will only receive a lump sum. If no primary beneficiaries exist, then second beneficiaries or dependent parents will receive the lump sum.

To be eligible for the funeral benefit, you must have at least one contribution if you’re a voluntary, self-employed, or OFW member.

If you’re an employee, you are automatically eligible for this benefit, as long as you are still employed.

What are the Requirements for filing a Death Benefit claim?

  • Death Claim Application (DCA) Form
  • Claimant’s Photo and Signature Form
  • Filer’s Affidavit or Sinumpaang Salaysay
  • Certified true copy of death certificate of the deceased member, duly registered with the Local Civil Registry and signed by the authorized signatory of the Office of the Civil Registrar, or issued by PSA (formerly, NSO).
  • SSS Form CLD-1.3A (Affidavit of Death Benefit) if claimants are primary or secondary beneficiaries
  • Other requirements, if applicable
    • If benefit is pension, Single savings account passbook/ATM card/validated initial deposit slip/accomplished Visa Cash Card Enrollment
    • If Name and Account Number is not embossed in the ATM, the initial deposit slip is required
    • If claimant cannot open a savings account, a written request for exemption from the “SSS Pensioner’s Remittance thru Bank Program” stating valid reason for exemption
    • If the cause of death of the member is work connected:
      • Form BPN 105 (Report of Death)
      • Pre employment medical records, if cause of death is due to illness
  • Statement of duties and responsibilities duly signed by the employer
  • Mission/Job or Travel order duly assigned by employer, if applicable
  • Photocopy of page in the company logbook/record of accident assigned by the ER
  • Police investigation report or employer’s report of injury, death or casualty spot report, when applicable
  • If death claim was filed by spouse beyond 5 years from the death of death, a written explanation is needed.

What are the Requirements for filing a Funeral Benefit claim?

  • Funeral Claim Application Form
  • Certified True Copy of the member’s Death Certificate
  • Filer’s Affidavit
  • Official Receipts issued by the funeral parlor
  • Affidavit of funeral expenses if the services of a funeral parlor was not contracted
  • Funeral parlor service contract, if the claimant has not yet settled the account with the funeral parlor
  • Signed authority or conformity of payment in favor of the claimant if the name appearing on the receipt is different from the claimant.
  • If the deceased is a plan holder, a certification from the insurance / memorial plan company stating that the deceased is the plan holder
  • Affidavit executed by the plan holder and the memorial plan company wherein the memorial plan holder allowed the transfer of the plan to be used by the deceased SSS member.
  • Marine protest and passenger’s manifest for member passenger who died in a sea mishap without recovering the body.
  • Marine protest and quit claim authenticated by employer for member seaman who died in a sea mishap without recovering the body.
  • Coast guard report for member fisherman
  • Accident Report / Report of Death (SSS Form BPN-105)
  • Police investigation report conducted after the disappearance and confirmation report from police or other government agency after 4 to 7 years from the date of disappearance
  • SSS ID of Deceased Member (photocopy)
  • Deed of sale in case the name in the memorial plan is not the claimant
  • Recent residence certificate of the claimant
  • 3 pieces latest 1 x 1 picture of the claimant
  • At least two identification cards of the claimant

How to apply for death benefit?

  • Prepare complete requirements as stated above. If the requirements are incomplete or incorrect, your benefit application may not be received, or may be delayed in processing.
  • Make sure to accomplish Contact Information and Address correctly and legibly. The SSS contacts the beneficiaries for the status of their benefits application especially when additional documentations or process are necessary.
  • Go to the nearest SSS Branch and secure your queue number. Go early to avoid long lines.
  • Once your number is called, go to the SSS Representative window and they will perform initial evaluation on your claim and requirements.
  • Once application is received, wait for the SSS to contact you. SSS Death Benefit processing ranges from 10-45 days depending on the complexity of the case. This processing time is based on the experience of other SSS members who filed a death benefit.

You may check the status of your benefit claim by logging in to the SSS member’s online account (should you know his/her online credentials).

If after two weeks, you haven’t heard from SSS, go back to the SSS branch and inquire for the status of your claim.

Upon approval of the claim, the SSS will mail a notice voucher to the beneficiary informing him/her when to withdraw the benefit from the bank.

How to apply for Funeral benefit?

Present the necessary documents listed above to your closest SSS branch.

Death Benefit Computation

The monthly death pension depends on the member’s paid contributions, including the CYS and the number of dependent minor children, which should not exceed five (5).

The monthly pension is paid for not less than 60 months. The amount of monthly pension will be the highest of:

  1. the sum of P300 plus twenty percent (20%) of the average monthly salary credit (AMSC) plus two percent (2%) of the AMSC for each CYS in excess of ten (10) years; or
  2. forty percent (40%) of the AMSC; or
  3. P1,000 if the member had less than ten (10) CYS; P1,200 if with at least ten (10) CYS; or P2,400 if with at least twenty (20) CYS.

The monthly pension is paid thru the beneficiary’s designated bank. The beneficiary is

allowed to choose the bank nearest his/her residence thru which he/she wishes to receive the

pension benefits under the “SSS Pensioner’s Remittance thru Bank” Program.

Funeral Benefit Computation

The Funeral benefit is calculated using the fixed amount of P20,000 plus a percentage of a member’s total contributions and average monthly salary credit (AMSC).

Where, When and How to Pay for SSS Contribution

Before finding out when SSS contributions need to be made and payment facility options, you first need to know how much you are required to pay.

Below is the 2018 SSS Contribution Table that can help you figure out how much your contributions should be based on your salary either as a regular employee or independent member (either self-employed, voluntary member or OFW).

SSS Contribution Table [New & Updated – effective January 2021]

Effective January 2021, the SSS will implement an increase in the contribution rate — per the provision of contribution changes stated in Republic Act No. 11199, otherwise known as the Social Security Act of 2018.

Contribution changes (effective January 2021):

  • SSS Contribution rate = 13 percent
  • Minimum Monthly Salary Credit (MSC) = 3,000 pesos
  • Maximum Monthly Salary Credit (MSC) = 25,000 pesos

The new SSS Contribution table covers changes for Regular Social  Security (SS), Employees Compensation (EC), and Mandatory Provident Fund (MPF) Programs

Below are the table’s acronym definitions:

  • EE – Employee contribution or your contribution which is 3.63% of your monthly salary
  • ER – Employer contribution or your employer’s contribution which is 7.37% of your monthly salary credit
  • EC –  Employee Compensation program or the contribution solely shouldered by your employer

Employee Contribution Increase:

Also, effective January 2021 is the increase in SSS employee contribution. The minimum contribution amount is now Php135.00 while the maximum is Php900.00.

In 2018, the SSS was proud to announce the ability of their online system to post and update contributions in real time via the use of the Payment Reference Number (PRN):

How to determine the amount of SSS contribution:

  1. Refer to the first column or ‘Range of Compensation’ on the left and identify your monthly salary range
  2. If employed, look at your salary’s EE column under the ‘Social Security’ column. This amount should be the SSS deduction indicated on your monthly pay slip.
  3. On the left side of the EE column referred to above, is the ER column that indicates amount of your employer’s contribution. This amount plus the corresponding amount on the EC column is your employer’s total contribution.
  4. For self-employed, voluntary and OFW members, refer to ‘SE/ VM/ OFW Total Contribution’ column (rightmost) to determine your monthly contribution.

When to pay your SSS Contributions

The photo below indicates payment schedule for both regular and self-employed/ voluntary members (except OFWs).

The schedule is based on the 10th or last digit of your SS number that has been assigned to a corresponding day of the month.

It is highly important that you take not of your payment deadline to avoid penalties or delays in processing any benefit or loan applied for.

Frequency of payment:

  • For employed members, the payment schedule is fixed monthly
  • For self-employed and voluntary members, payment can be made on a monthly or quarterly basis (month ending on the last day of March, June, September and December).
  • For OFWs, full-year (January to December) payments may be paid within the same year and for the last quarter of a year, payments may be made until the 31st of January of the succeeding year

Where to pay SSS Contributions

There are a variety of payment options and facilities to make SSS payments.

For employed members, these are usually done through an automatically deducted amount, payment of which is through your company’s finance department’s chosen payment method.

For self-employed, voluntary and OFW members, payments can be made over the counter or online.

Over the Counter Payment Options:

  • SSS Accredited Banks
  • SSS Tellering Counters
  • SM Business Centers
  • Bayad Centers
  • PHL Post Office

Online Payments:

You can also pay your SSS contributions and loan payments through Bancnet, UnionBank and

1. Paying via Bancnet (e-Gov)

BancNet is highly-preferred not only for its security, and for the fact that it doesn’t require registration or payment for every transaction made. Below are the steps for making the payment:

Step 1: Log on to the website of BancNet.

Step 2: If you haven’t registered, go to their new user Registration Page first and accomplish the online sign-up.

Step 3: Select the bank of your ATM card and click ‘I Agree’ on the terms and conditions provided.

Step 4: Click ‘Payments’, then your preferred institution which is SSS.

Step 5: Input your SSS number together with the month and year, followed by your ATM card number.

Step 6: Select your account type—whether Savings or Current.

Step 7: Enter the amount of contribution, then your ATM Pin, then click ‘Submit.’

2. Paying via UnionBank (Government Payments)

UnionBank provides a convenient online platform to pay not only your SSS contributions, but also other government transaction payments for BIR, PhilHealth, Pag-IBIG and Bureau of Customs. Below are steps for making the payment:

Step 1: Log in your account on the website of UnionBank. If you don’t have an account yet, click the sign-up button below the log-in fields so you can create your account online.

Step 2: Click the Bills page and select SSS as the transaction.

Step 3: Fill out the necessary information, the amount needed before clicking ‘Pay.’

Step 4: Enter your log-in details once more and wait until your electronic receipt is generated. For safety and convenience, save your electronic receipts.

3. Paying via

Coins.PH is a ‘mobile wallet where Filipinos make online payments, load Beep cards, and buy bitcoin.’

One of the payments that can be made through this application is monthly SSS contributions. Below are the steps for settling the payment:

Step 1: Download the application via Google Play Store or the Apple App Store and create an account. Put cash into your digital wallet through any of these cash in methods.

Step 2: Go to the landing page and from the list of categories, select ‘Pay Bills’ and select SSS ‘Contributions’ as bill type.

Step 3: Next, choose the type of contribution you wish to make, whether you fall under the:  Farmers and Fishermen, OFW, Salary Loan, Self-Employed or Voluntary Member category.

Step 4: Next, input the payment amount. There are no hidden charges or processing fees. The amount you place will be the amount received by SSS.

Step 5: Lastly, fill out the form that with your details—SSS number, member name, and the applicable period then ‘slide to pay.’

What if I don’t have regular employment: Other Forms of Membership

As discussed above, you don’t need to be regularly employed to become an SSS member. Voluntary-paying and OFW members can sign-up, regularly contribute and avail of its benefits.


Getting PRN for Voluntary Members

Starting January 16, 2018, SSS has required its members to use a Payment Reference Number (PRN) upon payment of contribution for real-time posting of the payment.

The PRN can be obtained through these steps:

1. Log-in to your My.SSS account.

2. Click Payment Reference Number (PRN)

Credit: SSS Inquiries

3. Based on your previous contribution amount, you will be able to view your Payment Reference Number for the Applicable Month, and your payable amount.

4. Click Print Statement of Account and view the Statement of Account PDF

5. Print the file and present this to the SSS Teller at your chosen payment facility.

Voluntary Contribution

To compute for your contribution amount, please refer to the computation table in the ‘Where, When and How to Pay for SSS Contribution’ section above.

The only relevant column is the “SE/VM/OFW Total Contribution” column on the rightmost of the table.

OFW Member

If you are an OFW member, kindly refer to the SSS contribution table above to determine the amount you are going to pay. For any salary above P 16,000 the SSS contribution is at P 1,760.

How to Continue Contributing?

SSS contributions may be made either through over-the-counter transactions or through online payment facilities (BancNet, UnionBank PH or Below are the following steps:

1. For over-the-counter payments, a representative, either a relative or a friend residing in the Philippines to pay the SSS contribution on your behalf at any accredited payment centers.

Below is an example of the form, and on the right-hand side are the details they will be needing:

2. Pay online via BancNet, UnionBank PH or You can refer to where to pay guide above for further instructions.

SSS Guide for Employers

The Social Security Law (Republic Act 1161) as amended by Security Act of 1997 (Republic Act 8282) states that all employers are obliged to do the following:

  • Register and obtain their Employer Numbers (ER) by completing the Employer Registration Form (SS Form R-1A)
  • Report the employee for coverage within the first 30 days from the date of hire
  • Deduct SSS contributions from the employee salary on a monthly basis and remit them accordingly
  • Maintain an accurate record of employees records in regards to their SSS contributions and transactions
  • Submit all employees loan amortization reports by completing the SS Form ML-2 (plus copies of SBR and SS Form ML-1)

The SSS website defines “Employers” as:

  • Any person, natural or juridical, domestic or foreign, who carries on in the Philippines any trade, business, industry, undertaking, or activity of any kind and uses the services of another person who is under his/her orders as regards the employment, except the Government and any of its political subdivisions, branches or instrumentalities, including corporations owned or controlled by the Government.
  • A household employer is one who uses the services of a house helper; whoever pays the compensation for such services – whether the husband, wife or any other person – shall be deemed the household employer.
  • A foreign government or international organization, or its wholly-owned instrumentalities, such as an embassy in the Philippines, with an approved Administrative Agreement with the SSS for the coverage of its Filipino workers.
  • A social, civic, professional, charitable, and other non-profit organization that hires the services of employees are also considered “employers.”

Nowadays, employers can pretty much manage all SSS-related transactions via the My.SSS online employer service.

Benefits of My.SSS online for Employers

  • View membership details
  • Track and view employee contribution payments
  • View and track employee loan repayments
  • View and track employee sickness and maternity reimbursement claims
  • Provide certification of SSS salary loans for employees who applied for it
  • Submit the following employment reports:
    • SS Form R-1A
    • SS Form R3
    • Form ML-2

How to register with SSS as an Employer

Step 1: Visit the My.SSS online page. Click “Employer Login” then hit the “Click Here” button below the “Not yet a registered employer?” option.

Step 2: Complete all required fields on the succeeding page. Don’t forget to complete the code section before hitting “Submit”.

Step 3: Check your email for the confirmation message advising that an account activation email has been sent to your company’s email.

Step 4: Upon receipt of the activation email, you’ll see the link that you need to click to verify your My.SSS employer account.

It will take you to a new page where you’ll be asked to provide the following information:

  • Full Name
  • Email Address
  • Personal SSS Number

Step 5: Check your company’s email for the confirmation from SSS

The servicing SSS branch will do the necessary checking and verification of the information you provided. If everything is accurate and complete, they will send you an email containing the login credentials so you can log in on the Employer section of My.SSS portal.

How to Register your Employees

As an employer, it is your obligation to register your employees under your employer SSS account. If the employee hasn’t registered with SSS yet, then they’ll need to visit the nearest branch to set up their SSS account first.

As their employer, you’ll need to submit an updated SSS Form R1A which reflects the SS number of your employee. You have the option of submitting this online (My.SSS) or physically providing the documents in a branch near you. You have to do this within 30 days since the employee’s first day at work.

How to Register your Kasambahays

The SSS defines a “household employer” as someone who is using the services of a kasambahay (defined by SSS as someone who does housework for a living).

As a household employer, you are required to declare yourself as one as well as register your kasambahay under SSS by completing the following forms:


The kasambahay will have to complete the PPS-KUR form while you as the employer will need to complete PPS-HEUR1 and PPS-HEUR2 forms.

Note that once you are registered as a household employer, you can sign up for online access by completing the Online Household Employer User ID Registration page on the SSS website.

For the kasambahay, the PPS-KUR form will need to be submitted to any SSS branch along with a copy of any of the following documents:

  • Birth certificate
  • Baptismal Certificate
  • Driver’s License
  • Passport
  • PRC Card
  • Seaman’s book

In the event that the kasambahay is unable to provide any of the above primary documents, they can submit copies of at least two (2) of the following documents/identification:

Birth/baptismal certificate of the kasambahay’s childATM card with cardholder’s nameBank account passbook
LGU ID card (brgy, municipality, etc.,)Marriage ContractNBI Clearance
Police ClearancePostal IDSenior Citizen card
TIN cardVoter’s IDFisherman’s card

How to edit your employee’s contribution online

You can do this via the same My.SSS page on the official website. Once you’re logged in as the employer, access the page that contains “Contribution Collection List Summary”. Once there, click on “Contribution List Details” to change the employee’s salary/contribution.

How and when should you submit your kasambahay’s SSS contribution?

To submit your kasambahay’s monthly contribution, you can either do it via the My.SSS page online or by completing 3 copies of the Employer Contribution Payment Return (SSS Form R-5) which you can get from the nearest branch or download via the SSS website.

If online, you have to create an Electronic Contribution Collection List (e-CCL). Here are the steps:

  1. Visit the SSS website (My.SSS). Make sure to click on the “Employer” tab.
  2. Enter your username and password. Once logged in, select e-Services then click “AMS Billing”. In the AMS Contribution List page, click “Confirm Contribution Collection List”.
  3. Select option 1 “Select Records from the SSS list” on the Build up page.
  4. Click “Add Record” and proceed to enter the necessary employee information. Click “Confirm List” once done.
  5. After reviewing for accuracy, click the agreement box and then hit “Submit”.
  6. Click “Prepare Collection List” to finalize the contribution statement for all employees.
  7. Click “Download” then choose to either Download or Email (or both) the collection list.
  8. Print the contribution statement summary. This is what you will use for payment via tellers and other payment partners.

How to Check SSS Contribution (Online)

To check your SSS contributions online, you need to have a My.SSS account first. Then, follow the steps below:

1. Log in to your My.SSS account

2. Go to the ‘Member Inquiry’ page and hover over ‘E-Services’, then click ‘Inquiry’

Credit MoneyMax

3. Go to the ‘Contributions – Actual Premiums page and on the ‘Member Inquiry’ page, click the Member Info bar and then click on Actual Premiums.

4. On the Actual Premiums page, all your monthly contributions paid since the year you started as an SSS member will be listed.

How to know your SSS number?

One of the most common inquiries with regards to SSS in general (both for employers and employees) is this: How can I know my SSS number?

Here are 4 ways you can get your SSS number:

1. Check with your Employer

Simply proceed to your company’s HR department to inquire about your SSS number.

2. By checking your SSS E1 Form

Your SSS E1 form has a section on it showing your SSS number. Check the upper left corner.

3. Call or email the SSS Hotline

You can reach out to SSS directly via the following methods to know your SSS number

  • SSS Call Center: 920-6446 to 55
  • SSS Trunkline No. (632) 920-6401
  • Toll-Free No.: 1-800-10-2255777
  • SSS Email:
  • SSS Facebook:

4. Check through the SSS Member’s Assistance Section

Bring a valid ID and proceed to the nearest SSS branch to obtain your SSS number

SSS Branches Nationwide

There are over 30 SSS branches nationwide to make transactions more convenient.

Below is a list of satellite offices in NCR, Luzon, Visayas, and Mindanao. Main office locations may also be searched on the SSS website’s branch locator.

NCR SSS Branches:

Robinsons GalleriaLevel 1, Robinsons Galleria, Edsa Corner Ortigas Avenue, Ortigas Center, Quezon City, Metro Manila 


Tel No. 63 (2) 234-0790

Robinsons Place ManilaBasement Robinson Place Manila, Pedro Gil, Corner Adriatico Streets, Ermita Manila, 1000 Metro Manila


Tel No. 63 (2) 353-2156

Robinsons Otis1536 Paz Guanzon St., 831 Zone 90, Paco, Manila


Tel No. 63 (2) 353-2188

Robinsons Nova MarketQuirino Highway, Brgy Pasong Putik 2, 3rd Floor, Brgy. Quezon
Ali MallLevel 2, Ali Mall, Araneta Center, Cubao Quezon Metro Manila Philippines 1000


Tel No. 63 (2) 441-4303

LRT Caloocan Mall4th Floor, LRT Calookan Mall Bldg., Rizal Ave., Caloocan
Robinsons Place MalabonAglipay Building, C-4 Road, Dagat-Dagatan, Malabon City 1470 NCR
Tel No. 63 (02) 287-5620 Fax No. 284-5235

Luzon SSS Branches:

Robinsons PangasinanLevel 2, Robinsons Place Pangasinan, Mac Arthur Highway, Brgy. San Miguel, Calasiao, Pangasinan
Robinsons Place AngelesLevel 3, Robinsons Place Angeles, McArthur Highway, Balibago, Angeles City
Robinsons StarmillsRobinsons Starmills Pampanga, Bgy San Jose, San Fernando 2000 Pampanga


Tel No. 63 (045) 3001013

Robinsons LuisitaMcArthur Highway Barangay, Tarlac City, Tarlac
Robinsons Place Imus CaviteGen. E. Aguinaldo Highway, Imus 1101 Cavite
Robinsons Place DasmarinasE. Aguinaldo Highway Cor. Governor’s Drive, Sitio Palapala, Dasmarinas 1101 Cavite


Tel No. 63 (46) 489-3874

Robinsons Sta Rosa Market LagunaOld National Highway, Tagapo, Sta. Rosa 1101 Laguna
Robinsons PalawanPuerto Princesa North Road, Puerto Princesa, 5300 Palawan
Star Mall San Jose Del Monte BulacanStarmall, Kaypian Road, Kaypian, San Jose Del Monte 3023 Bulacan
Tel No. 044 (044) 797-03-94
Waltermart Makiling LagunaAH26, Calamba, 4027 Laguna
Robinsons Place MalolosMc Arthur Highway, Sumapangmatanda,, Malolos, Malolos 3000 Bulacan
CB Mall UrdanetaCB Mall, MacArthur Hwy, Urdaneta City, Pangasinan


Tel No.  63 (075) 568 8512

Visayas SSS Branches:

Robinsons Fuente CebuFuente Osmeña Boulevard, Sta. Cruz, Cebu 6000 Cebu


Tel No. 63 (032) 254-1119

Robinsons Place BacolodRobinsons Place Bacolod, Lacson Street, Mandalagan, Bacolod 6100 Bacolod


Tel No. 63 (34) 4412239

Robinsons Place IloiloRobinsons Place Iloilo, Cor. De Leon & Quezon Sts., Iloilo 5000 Iloilo


Tel No. 063 (033) 335-5424

Robinsons Place in DumagueteRobinsons Dumaguete, Dumaguete Business Park, Calindagan, Dumaguete 6200 Negros Occidental


Tel No. 063 (035) 421-0450

Robinsons Place Roxas City in CapizRobinsons Place Roxas, Pueblo De Panay, Lawa-An, Roxas City 5800 Capiz


Tel No. 63 (036) 651-0166

Mindanao SSS Branches:

Robinsons Cagayan De OroRosario Crescent corner Florentino Street Limketkai Center, Cagayan De Oro City
Robinsons Place GensanJ. Catolico Sr Avenue Lagao, General Santos City 
KCC Mall GensanVeranza Mall, J. Catolico Sr. Street Lagao, General Santos City
NCCC Mall Davao3F, NCCC Mall Matina Cor. Mc Arthur highway & Maa Road, Matina Davao


Tel. No. (082) 285-3959

NCCC Mall Tagum 3/F, NCCC Mall of Tagum, National Highway Tagum City
Robinsons Place Butuan J. C. Aquino Avenue, Libertad, Butuan City 8600 Agusan Del Norte


Tel No. 63 (085) 2250088

SSS Branches Operating Hours


Ali Mall Araneta Center: Tuesday to Saturday – 10:00 AM to 6:00 PM

Robinsons Galleria – M-F, 10:00 AM to 6:00 PM

Robinsons Place Manila – M-F, 9:00 AM to 6:00 PM

Robinsons Otis – M-F, 7:00 AM to 6:00 PM

Robinsons Nova Market – M-F, 10:00 AM to 6:00 PM

LRT Caloocan Mall – Tuesday to Saturday – 9:00 AM to 6:00 PM

Robinsons Place Malabon – Tue-Sat, 10:00 AM to 6:00 PM



Robinsons Pangasinan – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Angeles – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Starmills – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Luisita – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Imus Cavite – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Dasmarinas – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Sta Rosa Market Laguna – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Palawan – Tue-Sat, 10:00 AM to 6:00 PM

Star Mall San Jose Del Monte Bulacan – Tue-Sat, 10:00 AM to 6:00 PM

Waltermart Makiling Laguna – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Malolos – Tue-Sat, 10:00 AM to 6:00 PM

CB Mall Urdaneta – – Tue-Sat, 10:00 AM to 6:00 PM



Robinsons Fuente Cebu – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Bacolod – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place IloIlo – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place in Dumaguete – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Roxas City in Capiz – Tue-Sat, 10:00 AM to 6:00 PM



Robinsons Cagayan De Oro – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Gensan – Tue-Sat, 10:00 AM to 6:00 PM

KCC Mall Gensan – Tue-Sat, 10:00 AM to 6:00 PM

NCCC Mall Davao – Tue-Sat, 10:00 AM to 6:00 PM

NCCC Mall Tagum – Tue-Sat, 10:00 AM to 6:00 PM

Robinsons Place Butuan – Tue-Sat, 10:00 AM to 6:00 PM

Read Next: Guide to Pag-IBIG Fund: Online Registration, Benefits, and Programs

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About Michie Victoriano

Michie is Grit PH's resident Marketing Research and Analyst, with more than 7 years experience in Marketing, Research, Analytics and Online Marketing; and 2 years of experience in Search Engine Optimization.

Reader Interactions


  1. Renemar says

    Hi. I don’t have an SSS account yet so I tried opening online. When I filled up my name, birthdate, and email address, it told me that I will receive a link on my email. It’s been more than 12 hours and I haven’t received anything yet. What could have been the problem? I already sent an email to SSS about this but I haven’t gotten a reply yet. Has anybody else encountered the same problem? Will it take a while to receive the link?

  2. MJSD says

    No SSS, Philhealth and Pag-ibig number? Need a government ID’s?, etc. We are here to assist you. Email us at mjsd.governmentcontribution@gmail. com. Tara usap tayo!

  3. Mercy says

    I am bearing my fifth child, but I haven’t claimed yet an SSS Maternity Benefit in my first four children. Can I still apply for an SSS Benefit?

    • No says

      The expanded maternity leave law states that for mothers there is no longer a maximum number of pregnancy which the employee can avail, previously it was 4.

  4. Christine says

    Dear Mitchie Victoriano,
    Your article on SSS was very helpful. Can I ask for your advise on this SSS problem I have….. any inputs will be appreciated…
    I had set up a company way back 2011. Registered the name with SEC and registered it with SSS… I also had registered my son’s name as employee — for the sake of listing an employee — although business operations have not started yet. Unfortunately, due to financial reasons i decided to discontinue opening the company… Last January 2017, I began operating the company and got my son to manage it. So the usual monthly member remittance started on that month.

    This February 2019 I received a letter from SSS that I had to pay P386,500 for the principal amount and penalties for failure to remit my son’s sss member contributions from Jan 2011 to Jan 2017.

    I am at a lost and feeling harrased by the demand letter. Please advise what should I do about this. I went to SSS and the teller told me that it was the law to remit monthly employee sss.

    With your info and knowledge on SSS what can you suggest I do to have the amount + penalties waived for said period?

  5. Junilito says

    Hi, I was creating an account for My.SSS, I already tried all the options available there and got same emails that my name and my date of birth doesn’t match with my SSS records. Anyone knows how to fix this?

  6. Cherry Ann Sobusa says

    Good day/madam;
    Can i ask how to do the e-appointments for claiming my humid id in the Philippines embassy?
    Thank you

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