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SSS, PhilHealth and Pag-IBIG: What Every Filipino Shouldn’t Miss!

by Edel

Hello, friend!

Welcome to Journey to Millions!
Journey To Millions - SSS, PhilHealth and Pag-IBIG: What Every Filipino Shouldn't Miss!
If you are a fellow Filipino reading this article, you must have already heard of these three very popular government institutions:

1. SSS / Social Security System
2. PhilHealth / Philippine Health Insurance Corporation
3. Pag-IBIG Fund / Home Development Mutual Fund

But the question is, “How much do we really know about them?”

If I were to ask you now, could you tell me what each institution is for? How much does it cost to become a member? What benefits do members enjoy?

These are only some of the questions that we will try to rediscover in this article today, with the help of the top leaders of SSS, PhilHealth, and Pag-IBIG, as they are very well interviewed by On The Money’s host, Edrick Mendoza.

Be surprised by how much you and I don’t know.

Watch these videos and see how you can maximize the financial opportunities our government has to offer:

SSS / Social Security System Philippines

SSS minimum monthly contribution: P104.00 Starting January 2014, SSS minimum monthly contribution is increased to P110.00

Social Security Benefits:
-Sickness benefit
-Maternity benefit
-Retirement benefit
-Disability benefit
-Death and Funeral benefit

SSS Loans:
-Salary Loan
-Housing Loans
-Business Loans

PhilHealth / Philippine Health Insurance Corporation

PhilHealth minimum monthly contribution: P150.00

PhilHealth Benefits:
-Inpatient Coverage
-Outpatient Coverage
-Enhanced Outpatient Benefit Package (for OFWs)

Special PhilHealth Benefits Package
-Case Rates
-TB Treatment through DOTS
-SARS and Avian Influenza Package
-Novel Influenza A (H1N1) Package

Pag-IBIG Fund / Home Development Mutual Fund

Pag-IBIG maximum monthly contribution: P100.00

Pag-IBIG Benefits:
-Savings / Provident Benefits Claim
-Short-term Loans
-Multi-purpose Loan
-Calamity Loan
-Housing Loan

Now, I bet you did get to know SSS, PhilHealth, and Pag-IBIG a lot better this time.

I hope that you take advantage of these opportunities that you have just learned. Make sure that you are an active member of these three from now on.

AND you better tell all your family and friends about this too! I’m sure, you wouldn’t want them to be left behind, right?

Cheers to your Journey to Millions, Kabayan!

Enjoying our Journey To Millions,



If you enjoyed reading this article, get email updates (it’s free).

{ 260 comments… read them below or add one }

Pinoy Social Network June 14, 2013 at 6:43 pm

Honestly I have Phil health because of our city Mayor, but I don’t have Pag-ibig and SSS now I know the importance of SSS and Pag-ibig I will apply as much as possible.


Elvin Peria June 26, 2013 at 7:40 pm

Thank you Pinoy Social Network for dropping by to our site. We’re excited to know that you’ll also apply in SSS and Pag-IBIG. It will definitely come in handy in the future.

I am glad that your city Mayor gives you PhilHealth. I hope other city mayors are doing the same. Kudos to your city Mayor. :)


lennon agno March 11, 2014 at 8:37 am

I am an ofw. Just want to ask where can I pay my pag ibig contribution…


Elvin Peria March 12, 2014 at 8:33 am

Hi Lennon Agno,

You can try these links:
http://www.paypilipinas.com – they accept payments for SSS and Pag-IBIG. However, this comes with a P50 transaction fee.

https://www.pagibigfundservices.com/ccpayment/ – Pag-IBIG Online Payment Facility. This is limited to VISA and Mastercard holders only.

Although I haven’t tried them but a lot of sites suggest them.

I hope this helps. :)


Rose July 10, 2013 at 6:18 am

Very informative!

I want to ask your opinion. If you’re single OFW, no dependents and have been paying the maximum SSS and Philhealth contribution voluntarily, would you still recommend getting another health/life insurance from private company?


Edel Ramilo-Peria July 10, 2013 at 11:14 am

Hi, Rose! Thanks for dropping by. :-)

Health insurance and life insurance are two different things po.

Health insurance po is for everyone, bata, matanda, may ngipin o wala. :-) It protects us from health related emergencies, katulong po ng Philhealth. So, as long as we’re alive po, we’ll benefit from it. I’ve personally benefited po from HMOs thrice. Big help po talaga in times of need. :-)

As far as I know po, life insurance is not for everyone. For people with no dependents po, it might not be necessary. But if you have real estate you want to pass on to your heirs po, it might help. I believe the money po can be used to pay for the fees associated with transferring the ownership of your properties to your loved ones. :-)


Hatoya July 14, 2013 at 7:04 pm

I’m 18 years old, turning 19 this month, and have not ventured into these. Do you think I should anytime soon?

Your posts widen my “responsible-adult” perspective, thank you!


frugalexpat July 21, 2013 at 2:35 am

I always encourage others to pay their SSS contributions. I believe in their system.

For PAG-IBIG, I am member and I even availed for PAG-IBIG II program but after visiting the PAG-IBIG Makati Branch last June 2013, I was so disappointed.

Unfortunately, for OFWs, our files are only available in the Makati Branch. The payments that my sister made in the PAG-IBIG GenSan Branch would take time to be credited in my account. As they explained, they are manual. It means GenSan branch will send the files and only then they will update your contributions.

And I was even more frustrated with PAG-IBIG because I got my PAG-IBIG II number (reference) from the PAG-IBIG representative in the embassy and that was in 2011. When I asked for the statement last June 2013 in Makati Branch, they told that it was wrong, that the reference given to me was not at all for PAG-IBIG II.

I was so furious about it. How could their representative gave a wrong information.

I am not at ease paying my contributions because the PAG-IBIG system sucks.


Elvin Peria July 31, 2013 at 10:30 am

Hi frugalexpat,

Thank you for sharing your Pag-IBIG experience.

I agree with you, it would be very hard to trust if there’s a delay in the processing of the contributions or the representative gave wrong and misleading information.

I hope the Pag-IBIG officials can do something about this.


chasen July 30, 2013 at 10:26 am

typo error, minimum pagibig contribution of P100.00 not maximum. :)
I have increased my monthly pag-ibig contribution to P1,000. I was convinced by the Pagibig tv ad. hehe.
Nice blog. :)


Elvin Peria July 31, 2013 at 9:28 am

Hi chasen,

Thank you for dropping by.

We’re glad that you were convinced by the Pag-IBIG TV ad. :)

Regarding the contribution, I asked our HR about this. She told me that P100 is the maximum contribution of an employee and employer to Pag-IBIG but an employee can go as high as P1000 per month para makapag-loan ng malaki for a property.

This is verified in RA 9679 (Home Development Mutual Fund Law of 2009) which states, “the maximum monthly compensation used in computing the employee contributions is currently set at P5,000. This means that the maximum member contribution and employer counterpart per month are both currently P100.”


thess September 27, 2013 at 2:56 am

im a soon to be mom… and found out na hindi huhulugan ng employer namin ang aming pagibig contributions while we’re on maternity leave (about 78 days/more than 2 months). ang question ko po ay legal po ba ito na hindi nila hulugan dahil hindi naman daw po kami nagreport sa work?



Elvin Peria September 27, 2013 at 1:22 pm

Hi Ms Thess,

I asked an HR friend about this and he said that it is legal. Wala kasing income si employee na nakamaternity leave, so walang pagkukuhanan ng statutory contributions. The employer is not obliged to pay the employee. Although, there are companies who give salary to their employees even on maternity leave.


Marilou Anila September 30, 2013 at 1:58 pm

I’ve erroneously paid for the april to june 2013 philhealth contributions of my husband – have paid P 300 when it should have been P 450 na pala.

What shall I do to correct this mistake?


Elvin Peria September 30, 2013 at 8:19 pm

Hi Marilou Anila,

Based on PhilHealth’s FAQ section, you can have overpayments to cover your underpayments in April to June 2013.

By the way, thanks for dropping by. :)


maricar January 28, 2014 at 2:31 pm

hello pano po pala babayaran yung underpayments mo sa mga bayadcenter ? kasi i paid 450 for the advance payment of january 2014 to march 2014 pero nagbayad ako noon nung december 2013 pa .. since tumaas na pala ang premiums for individually paying member 600 na pala quartrly .. paano po kaya yun ?


Elvin Peria January 28, 2014 at 5:04 pm

Hi Maricar,

Based po on the SSS Contribution table memo, you can do the following:

1. You may opt not to pay the underpayment of 150. However, you will be assigned to the lower maximum salary credit.

2. Or pay the balance to be retained at the same maximum salary credit.

You may read the full disclosure on this link: https://www.sss.gov.ph/sss/printversion.jsp?id=4945&file=SSS_Contribution_Table_Ad.html

I hope this helps.


Leovs September 30, 2013 at 10:55 pm

how to voluntary increase the monthly contribution to Pag-IBIG?


Elvin Peria October 1, 2013 at 8:15 am

Hi Leovs,

Thank you for dropping by.

If you’re employed, just tell your employer that you want to increase your monthly contributions. They’ll process it for you. In case you don’t have an employer, visit any Pag-IBIG office and pay the increased amount there.

This was verified when I called their hotline. :)


Wanderlust October 6, 2013 at 1:04 am

Is sss, pagibig, philhealth a requirement to be deducted on the salary? Please explain whar should be indicated on pay slip.

Thank you.


Elvin Peria October 6, 2013 at 11:11 am

Hi Wanderlust.

If you’re employed, SSS, PhilHealth and Pag-IBIG are mandatory and part of your payslip as a deduction along with taxes.

If you’re not employed, it is up to you if you want to enjoy the benefits of SSS, PhilHealth and Pag-IBIG. You just need to do pay the contribution voluntarily.


Wanderlust October 6, 2013 at 3:16 pm

Ok thank you. How much is the maximum payment and the tax deductions?


Elvin Peria October 8, 2013 at 7:54 am

Hi Wanderlust,

The tax deduction depends on the person’s income. The maximum is P125,000 + 32% of the excess over P500,000. This is applicable to those people earning P500,000 or more per year. You can view the table on this link: http://www.businessforum.ph/threads/600-Income-Tax-Rate-Table-for-Individual-Taxpayers-in-the-Philippines.

As for the maximum payment, you may refer on these sites:





Mel November 4, 2013 at 12:50 pm

Is there a way to pay for these 3 online? Like via any other bills?


Elvin Peria November 4, 2013 at 1:57 pm

Hi Mel,

In my research, there are online payment facilities available for these three government institutions. However, for PhilHealth, it is only limited to employers.

You can try these links:
http://www.paypilipinas.com – they accept payments for SSS and Pag-IBIG. However, this comes with a P50 transaction fee.

https://www.pagibigfundservices.com/ccpayment/ – Pag-IBIG Online Payment Facility. This is limited to VISA and Mastercard holders only.

http://www.philhealth.gov.ph/services/epay/ – PhilHealth’s Electronic Payment Facility. This is limited to employers.

I haven’t tried using these payment facilities online since my employer does it for me and my HR friend recommends to just pay over-the-counter for thees three. If you’re willing to try, I would appreciate if you can give us a feedback.

I hope this helps.


maylin madula November 22, 2013 at 11:12 am

Kasambahay po ako for 4yrs na, wala pa po akong Pag-ibig at Philhealth. Yung SSS ko po last July lang binayaran ng employee ko. Gusto ko pong magbayad/mag contribute sa Pag-ibig at Philhealth. Ask ko lng po ok lang po ba na ako na mismo ang magbabayad? Kasi di naman po ako kinuhan/binabayaran ng employee ko po.


Elvin Peria November 24, 2013 at 9:00 pm

Hi Ms Maylin,

Saludo po ako sa inyo dahil kahit hindi kayo kinuhanan ng employer nyo ng PhilHealth at Pag-IBIG ay gusto nyo pong magcontribute voluntarily.

Tungkol po sa inyong tanong, okay lang po na kayo na po mismo ang magbayad ng inyong contribution sa PhilHealth at Pag-IBIG. Wala pong problema yun.

Pero sa pagkakaalam ko po, dahil naisabatas na ang Kasambahay Law, entitled na po ang kasambahay na mabigyan ng employer ng mga benepisyo. Kasama po dito ang coverage sa SSS, PhilHealth at Pag-IBIG. Base po sa Section 30 ng Kasambahay Law,

A domestic worker who has rendered at least one (1) month of service shall be covered by the Social Security System (SSS), the Philippine Health Insurance Corporation (PhilHealth), and the Home Development Mutual Fund or Pag-IBIG, and shall be entitled to all the benefits in accordance with the pertinent provisions provided by law.

Premium payments or contributions shall be shouldered by the employer. However, if the domestic worker is receiving a wage of Five thousand pesos (P5,000.00) and above per month, the domestic worker shall pay the proportionate share in the premium payments or contributions, as provided by law.


Ruby December 6, 2013 at 8:54 am

I was employed years ago in Manila (now in Cebu) and I loss track of my Philhealth. How can I know if I’m still a member I don’t have with me any documents pertaining my employer paying and I also don’t have my membership ID/number.


Elvin Peria December 8, 2013 at 11:24 pm

Hi Ruby,

First of all, thank you for dropping by in Journey To Millions.

I would suggest that you contact your previous employer so that you can have your PhilHealth number. I’m sure they have it, kung kinakaltasan ka nila ng sweldo buwan buwan. In case you cannot contact them anymore, you may visit PhilHealth branch in Cebu. For sure, they can answer all your queries.

Here’s their Regional Office’s address and telephone number.
8/F, Golden Peak Hotel & Suites,
Gorordo Ave. Corner Escario St., 6000 Cebu City
(032) 2337519

You may also want to visit local health insurance offices.
Danao City, Cebu
Rizal St., 6004 Danao City, Cebu
(032) 200-4526 | (032) 200-3827 (T/F)

Carcar, Cebu
Brgy. Perrelos, 6019 Carcar, Cebu
(032) 516-7544 | (032) 487-8501 (T/F)

Mandaue City, Cebu
Lopez Jaena Corner Logarta Sts., Subangdaku, 6014 Mandaue CIty
(032) 505-2194 | (032) 505-3022 (T/F)

I hope this helps.


michelle December 28, 2013 at 12:21 am


stumbled on your site online. thank you for your very informative article regarding SSS, philhealth and HDMF. a quick question, can i request my company’s HR to increase my SSS employee contributions up to the point that it matches my company’s contribution? would there be any cases where HR would decline this request?

many thanks in advance and more power to your blog!


Elvin Peria January 1, 2014 at 10:11 pm

Hi Michelle,

Happy New Year and thank you for visiting our site! :)

As far as I know, SSS contributions are dependent on your monthly salary. So, to answer your question, you cannot request your company’s HR to increase your SSS contribution to match your employer’s contribution. You may refer to the latest Schedule of SS and EC contributions from the SSS website.

Here’s the link: https://www.sss.gov.ph/sss/printversion.jsp?id=4945&file=anew1952.html

I hope this answer your question.


michelle January 1, 2014 at 10:36 pm

Thank you for your reply Elvin,

I understand. I had hoped that like Pag-ibig I can increase my contributions as well. But if not I can live with that :-)

Happy New Year!


joy January 4, 2014 at 4:37 pm

Hi! am planning to avail the pag ibig housing loan amouting to 1.5M but I am only paying 100 pesos for my pag-ibig contribution. If I would increase my contribution to 700 pesos, how long would it take before I can avail the housing loan? If I increase to 700 pesos would that mean that my total contribution will be 800 pesos since the mandatory share of my employer is 100 pesos?


Elvin Peria January 6, 2014 at 11:46 pm

Hi Joy,

You are right, you need to increase your contribution in Pag-IBIG to avail a housing loan amounting to 1.5M. If you’re contributing for 24 months (or more), ask your HR that you will increase your contribution so that they can process it for you. Once your increased contribution is reflected in the Pag-IBIG system, you can now apply for a 1.5M loan.

You may call Pag-IBIG hotline (or visit their office) for more details.


Meg January 10, 2014 at 3:23 pm

What if my employer deducted Philhealth contri more than what is required by PHIC. Can we offset it against future payments? What should the employer do?


Elvin Peria January 13, 2014 at 12:05 pm

Hi Meg,

I raised your concern in PhilHealth and they said, “…in case like this, we suggest that the employer should be the one who request for the adjustment or offsetting of the contributions. If the employer found out that they are deducting more than the prescribe contributions based on the schedule of payment. The employer should coordinate directly at PhilHealth Office and submit the corresponding documents like payroll and request letter for the adjustment.”


rellie January 16, 2014 at 4:30 pm

hi,ask ko lng po kung san po pwde magbayad ng sss,pag-ibig at philhealth ng isang bayadan lng po.?pwde po b s mga bayad center,mbilis din po b nila ito iremit s mga naturang asensya?


Elvin Peria January 17, 2014 at 9:27 am

Hi Rellie, According to the website of each institutions (for SSS, multiple sources say it’s possible). You can pay them at SM Payment Facilities and Bayad Centers.

You may refer to these links for more info.

PhilHealth: http://www.philhealth.gov.ph/partners/collecting/
Pag-IBIG: http://www.pagibigfund.gov.ph/payments/paymentfacilities.html


rellie January 17, 2014 at 11:33 am

thank you for this info…


shyla morales January 20, 2014 at 8:09 am

Good day. Nagbabayad po ako ng philhealth every quarterly. Hindi po ako nakapagbayad ng last working ng Dec.2013, para po sa Jan-Mar 2014 po. Puwede pa po bang magbayad ngayong January para po mahabol ko at hindi mag-back to zero po ang payment ko. Thank you po!


Elvin Peria January 20, 2014 at 9:08 am

Hi Shyla,

Good day! Pwede kang magbayad ngayong January para icover ang Jan-Mar 2014. You may refer to PhilHealth’s FAQ for more details. Eto po yung link: http://www.philhealth.gov.ph/members/employed/faqs.html


shyla morales January 20, 2014 at 9:24 am

Ask ko rin po ano po ang mga requirements para mag-voluntary payment po ako sa SSS at mabayaran po ung dati ko po na-loan kc po hindi na po ako nagwo-work ngayon para po maiwasan ang penalty. Thank po ulit.


Elvin Peria January 20, 2014 at 10:57 am

Hi again Shyla. Based sa SSS FAQ, Form RS-5 lang ang kailangan. Here’s an excerpt from the SSS website.

Separated Members

A member who is separated from employment or ceases to be self-employed/OFW/non-working spouse may continue paying contributions through SSS Form RS-5 using the previously assigned SS number. Posting of said payment will change the membership status from covered employee, self-employed, OFW or non-working spouse to a voluntary paying member.


mae navarro January 20, 2014 at 9:24 pm

May philhealth po ako dati when i was still employed from 2002 – 2008 pero di ko alam philhealth number ko kasi centralized ang company sa main office lahat transaction ng payments. Di na ako nakapagbayad nong nagresign ako 2008 hanggang ngayon. Ma retrieve pa ba yong mga payments ko noon?

Buntis ako ngayon naisipan kong kumuha ng philhealth number ulit kasi gusto ko makapagbayad para maka avail naman ng benefits sa kabuwanan ko.

Pwede kayang e merge ang payments ko sa dati at sa bago?

Thank you po.


Elvin Peria January 20, 2014 at 10:17 pm

Hi Ms Mae,

Mas maganda po siguro kung makakabisita kayo sa PhilHealth office na malapit po sa inyo para maitanong nyo ang PhilHealth number nyo. Kailangan nyo din po kasing i-update ang Member Data Record (MBR) saka makapagbayad ng at least 3 months premium within 6 months bago makapagclaim. Mas maganda po na maihanda nyo ang mga kakailanganin bago po kayo manganak.

Nakita ko din po pala sa isa nyong comment na member din po ng PhilHealth ang asawa ninyo. Nakakapagcontribute pa din po ba sya ng premium hanggang ngayon? Noong nahospital po kasi ang misis ko, dineclare ko sya as dependent (that time, inactive member din sya). Nagsubmit lang ako ng MDR saka photocopy ng aming marriage contract, para maupdate ang record ko sa PhilHealth. Nakapagclaim naman po kami.

Regarding po sa huli ninyong tanong, hindi nyo na po kailangang magpamember ulit dahil sa pagkakaalam ko ay for lifetime na ang membership nun, ganun din po sa SSS at Pag-IBIG.


mae navarro January 20, 2014 at 10:27 pm

ofw ang asawa ko, parang yearly yong bayad nila. Bago umalis bayad ata cla ng isang taong kasi need sa EOC nila.

So, anung magandang gawin kasi dobli na philhealth ko, pwde kaya e merge ang payment ko para isang membership nalang?

Ty ulit


Elvin Peria January 20, 2014 at 10:44 pm

Sa tingin ko po isa lang ang PhilHealth number ninyo, kasi lifetime membership po kasi ang PhilHealth, unless nagpalit po kayo ng pangalan.. Bukas po ng 8AM-5PM, subukan nyo pong tumawag dito sa number na ito: (02)-441-7442. Yan po ang Call Center ng PhilHealth. Kapag may nakausap na po kayo, ibigay nyo po ang full name ninyo saka ang inyong birthday para po makuha ninyo ang inyo pong PhilHealth number.


mae navarro January 20, 2014 at 10:55 pm

I see, kasi ang niregister ko na bago ay yong married name ko na. Ty much


Elvin Peria January 21, 2014 at 3:56 pm

Hi Ms Mae,

I asked your question sa aking HR friend, he mentioned po na kung aware kayo na may 2 kayong number sa PhilHealth, maganda po na pumunta kayo sa office para maconsolidate nila ang dalawa ninyong number. Ang irerequest nyo po ay Member Data Record (MDR). Magdala lang daw po kayo ng certificate of contributions from previous employer.


mae navarro January 20, 2014 at 9:26 pm

At yong asawa ko rin ay my philhealth din.


mae navarro January 20, 2014 at 10:28 pm

yearly cla ngbabayad kc ofw.


Elvin Peria January 21, 2014 at 3:52 pm

I hope maishare nyo din po bukas dito sa comment section kung ano pong nangyari sa concern nyo sa PhilHealth kung makakatawag kayo sa kanila. Ipagtatanong ko din po bukas ang concern nyo.

Marami pong salamat sa pagbisita sa Journey To Millions. :)


Liezel January 22, 2014 at 9:26 pm

Re: PAG IBIG Housing Loan

Our Barangay is currently under reblocking/housing projects of the government under RA9207 known as National Government Center Act of 2003. Which granted security of tenure to the bonafide residents. Thru that project, aayusin ung mga bahay-bahay dun, mga kalsada etc kaya ung karamihan ng mga bahay marereblock which means mauurong ung bahay o malilipat ng pwesto pero within the area pa din. It so happened na ung kinatatayuan ng bahay namin ngaun ay magiging kalsada accdg. to the subdivision plan kaya ayun, kailangan namin ng assistance para magtayo ng bahay dun sa area na paglilipatan. Pwede ba ako mag avail ng housing loan para sa pagpapatayo ng bahay na “ang lot ay grant lang ng government”? Im a currently employed by the way.


Elvin Peria January 23, 2014 at 7:26 pm

Hi Liezel, I’m not sure where will your case fit in on the housing loan program of Pag-IBIG. I’m quoting the housing loan from the Pag-IBIG website.

a. Purchase of a fully developed lot not exceeding one 1,000 square meters, which should be within a residential area;

b. Purchase of a residential house and lot, townhouse or condominium unit, inclusive of a parking slot. The unit may be: (1) Old or brand new; (2) A property mortgaged with the Fund; or (3) An acquired asset, which is disposed of through sealed public bidding, negotiated sale, or the Rent-to-Own Program.

c. Construction or completion of a residential unit on a lot owned by the member;

d. Home improvement, i.e. any alteration in an existing residential unit intended by a homeowner to be a permanent integral part of the property, which will enhance its durability and material value;

e. Refinancing of an existing mortgage with an institution acceptable to the Fund, provided that: (1) The loan is not in default within the 12 months prior to the date of application; (2) The said loan has a repayment history of at two years with the original mortgagee

f. Combination of loan purposes, which shall be limited to the following: (1) Purchase of a fully developed lot not exceeding 1,000square meters and construction of a residential unit thereon; (2) Purchase of a residential unit, whether old or new, with home improvement; (3) Refinancing of an existing mortgage with home improvement; (4) Refinancing of an existing mortgage, specifically a lot loan, with construction of a residential unit thereon.

I think it would be best if you can visit Pag-IBIG office (or call their hotline) directly to get the answer you’re seeking.


demos February 9, 2014 at 12:06 am

Hi Good day po, ask ko lng kasi i dont know if my account is still active. i worked as a crew in a fast food chain while im still in college way back 2005. I have my sss that time na kinakaltas sa sahod ko mga 3 months lng ako tumagal sa work ko nag resign ako kasi my conflict sa schedule ko sa school and hindi na ko nakapag hulog from that time to present. And right now gsto ko ulit hulugan ung sss ko or do i need to apply for a new account? btw i work as a freelance web programmer for almost 3 years so dun ba ko sa self employed na bracket or voluntary? or if pwede pa ung old account ko pano kaya ung process nun?



Elvin Peria February 9, 2014 at 10:15 pm

Hi Demos,

Since 2005 pa ang huli mong SSS contribution, inactive SSS member ka na.

It would be best if you can visit an SSS office near you para maging active SSS member ka. I think, they’ll ask you to just pay the contribution for the current month at magiging active member ka na ulit. Although, I am not sure if you’ll be a voluntary member or self-employed.

Regarding your SSS account, you can still use it, lifetime kasi ang SSS ID. Once nabigyan na tayo, yun na yun.

Hope this helps and thanks for visiting Journey To Millions. :)


ttapohj February 12, 2014 at 2:12 pm


Inquire ko lang hindi ba pwede mag loan ng Pag-ibig multi-purpose loan kung galing ka ng maternity leave kahit na member ka sine 2000?


Elvin Peria February 12, 2014 at 9:38 pm

Hi ttapohj,

Depende. If you are eligible for a multi-purpose loan, walang reason si Pag-IBIG para hindi ka payagan magloan. Base sa website ng Pag-IBIG, eto yung requirements for a new loan:

1. With at least twenty-four (24) monthly contributions.

2. An active member at the time of loan application, with at least five (5) monthly contributions for the last six (6) months.

3. Member-applicant’s net take home pay shall not fall below the minimum requirement of the General Appropriations Act (GAA) or company policy, whichever is applicable.

4. If with existing calamity loan, a member shall be allowed to avail of the MPL only after payment of at least six (6) monthly amortizations. The outstanding balance, together with any accrued interests, penalties and charges, shall be deducted from the proceeds of the MPL.

For more details, you may call Pag-IBIG hotline (02) 724-4244 or visit their office near you.


ttapohj February 12, 2014 at 2:36 pm


Additional inquiry, how can i update my employer’s address in online registration? Employer’s details is not included in the list for updating?

please advise.



Elvin Peria February 18, 2014 at 11:51 am

Hi ttaphoj,

I found it in the Pag-IBIG Online Registration. Here’s the link: https://www.pagibigfundservices.com/PubReg/Starter_Page.aspx

The employer’s details can be found on the 6th tab. You need to answer tabs 1 to 5 (Member Info, Other Info, Address, Contacts, Beneficiaries) first before you can go to the 6th tab.

If you still can’t see it, it would be best if you visit any Pag-IBIG branches near you.


ttapohj February 17, 2014 at 10:44 am

how can i update my employer’s address in online registration? Employer’s details is not included in the list for updating?


Nath February 18, 2014 at 11:59 am


Ask ko lang po if pwede po ako mag apply sa pag ibig eventhough Im still unemployed? and how much po is the monthly contributions and period of payment? Thank you


Elvin Peria February 18, 2014 at 12:50 pm

Hi Nath,

Yes. Pwede kang mag-apply sa Pag-IBIG kahit unemployed ka. You just need to fill up two copies of Members Data Form (MDF) and Payment Order Form (POF).

As for the other details you should know:

1. Monthly contributions of unemployed members shall be P100.00.
2. The unemployed member has the option to upgrade his monthly contributions, but may not downgrade the amount.
3. Unemployed members may avail of the Multi-Purpose Loan, but not a housing loan from Pag-IBIG.
4. Individual payers or voluntary members have the option to choose their terms of payment, e.g. monthly, bi-monthly, quarterly, etc.

Mas maganda po kung bibisita kayo sa pinkamalapit na Pag-IBIG branch sa area nyo para mas masagot nila ang tanong nyo. :)

Source: http://www.gov.ph/services/pag-ibig-services/


shane February 26, 2014 at 9:36 am

What is the basis of salary bracket for SSS contribution, does it include COLA, Holiday, OT? Or basic pay lang po?



Elvin Peria February 26, 2014 at 11:13 am

Hi Shane,

I asked our HR about this and he told me that the basis of salary bracket for SSS contribution is only basic pay.

Hope this helps.


Jobelle March 1, 2014 at 1:13 pm


Ask ko lang po. I paid my Philhealth contribution last Dec.31,2013 (covering the Oct-Dec. 2013 quarter) in LBC. Will it be posted in the system right away since December 31 is non-working holiday? Concern ko po kasi baka hindi makarga sa Oct-Dec.2013 yung nabayad ko and magreflect siya for Jan-Mar 2014 na payment. Hope to hear from you.


Elvin Peria March 1, 2014 at 3:26 pm

Hi Jobelle,

I think by default, the payment you made last December 31 will cover your January to March 2014 payment and not October to December. You may verify it on the nearest PhilHealth office near you. Here’s the link that you can use to see the office near you: http://www.philhealth.gov.ph/about_us/map/regional.htm. You can also call their hotline.


gerrylp March 14, 2014 at 12:42 am

Hi po,
Tanong lang po ako kung ano ang computation para sa sss pension, kc may premiun n akong 173 months at 125k na contributions? Thanks and more power.


Elvin Peria March 14, 2014 at 1:09 pm

Hi Gerrylp,

According to the SSS website, here’s how you can compute for your pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html


gerrylp March 17, 2014 at 5:20 am

Thank you Mr. Elvin…


Elvin Peria March 17, 2014 at 12:04 pm

Hi Gerrylp,

We’ll cover this in more detail on future post. :)


Myra Pangilinan March 15, 2014 at 6:49 am

Hello pwede po ba magtanong nagtrabaho po kc ako sa isang small company nung 2005 hanggang 2011 pero wala po kami sss philhealth at pagibig ngaun po apply ako ng panibagong work kailangan ng sss philhealth at pagbig id pano po kaya ako kukuha nun? Voluntary po b ilalagay ko requirements na po kc sa panibagong company na inaaplayan ko. Please sana matulungan nyo po ako sa dapat kong gawin


Elvin Peria March 15, 2014 at 11:08 am

Hi Myra,

Pwede mo pong itanong sa HR nyo kung sila na ang mag-aasikaso ng SSS, PhilHEalth and Pag-IBIG. Pwede nyo pong sabihin sa kanila na hindi kayo nabigyan ng SSS, PhilHealth at Pag-IBIG dun sa pinagtrabahuhan nyo mula 2005-2011. I-coconsider po nila na new applicant po kayo.


Myra Pangilinan March 15, 2014 at 1:43 pm

Ganun po ba oo nga po eh wala kc benepisyo dun sa dati kong work. Yan daw po kc kailangan dun sa inaapplayan ko kaso inaaplayan ko pa lang po kc yan requirements na talaga nila yan ok lng kaya kht e1 lang muna at wala pa ako philhealth at pagibig. Salamat po sa pagsagot sa tanong ko.


Jhunie March 25, 2014 at 11:03 pm


I am now in the US and was thinking better to continue paying my SSS contribution and Pagibig Housing Loan. Now my question is, do you think it is reasonable to still continue paying contribution with SSS even though I already paid more than the necessary 120 contributions? I still want to but I am not sure the advantage on doing so. Do you have an idea on how to pay online from US? For Pagibig, since it is a housing loan, I know that I need to continue payments but as per my research, there is no available remittance partners here in the US (not sure why other countries have and not US). Anyway, I can just ask my family in the PH to pay on my behalf, my only concern is the SSS contribution. To do or not to do.

Thanks in advance for your advise.


Elvin Peria March 26, 2014 at 8:40 am

Hi Jhunie,

Regarding your question, continuing your SSS contribution can increase option 1 and option 2. Please note that your pension would be the higher option of these three.

1. the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

2. 40 per cent of the average monthly salary credit; or

3. P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

As for your other question, it would be safe if you let your trusted relatives pay on your behalf. Or you may try these online payment facilities:

Pag-IBIG: https://www.pagibigfundservices.com/ccpayment/
Pag-IBI and SSS: https://www.paypilipinas.com/

I hope this helps.


bambi d. March 26, 2014 at 6:50 am

i resigned from work last month, but i still want to continue paying my contributions. pwde po ba bayaran yung mga past payment ko if i was underpaid? and the other question is, pwde din b ako magbayad in advance? tnx.


Elvin Peria March 26, 2014 at 9:31 am

Hi Bambi,

Yes you may continue paying your contributions. I think most of the government institutions (SSS, PhilHealth and Pag-IBIG) can be paid in advance. As for underpayment, sa pag-kakaalam ko hindi mo na sya kailangan bayaran.

You may visit their offices near your area (or call their hotline), to ask them in full details.


Joann March 27, 2014 at 10:39 am

I find your post, and the comments section, very informative. Thanks, I learned a lot! :)


Elvin Peria March 27, 2014 at 10:42 am

Thanks for the visit and for appreciating Joann. :)


Ace Pineda March 27, 2014 at 3:34 pm


I would like to check if we still need to pay for the contributions of an employee who is already enjoying his pension (retirement) SSS benefits?

Note: He was a retired employee, then started working again.

Please advise.




Elvin Peria March 27, 2014 at 10:36 pm

Hi Ace,

I read a news article about SSS allowing individuals to pay their contributions even after 65. However, in your case, I think it is different because since the employee is already enjoying his pension it only means that he completed the required 120 months contribution.

I suggest that you ask this directly to SSS for clarification.

By the way, here’s the link to the news article: http://www.gmanetwork.com/news/story/313533/economy/finance/sss-now-allows-members-to-keep-paying-past-65-to-qualify-for-pension


Jhunie March 27, 2014 at 6:23 pm

Thank you sooo much for your reply. Very helpful.


Elvin Peria March 27, 2014 at 10:53 pm

No problem. :) We’re glad that we helped you.


Confused March 27, 2014 at 6:33 pm

Hi, I have a question. Nagtrabaho po ako last year for almost 3 motnhs pero nag awol ako. Ngayon ay mag tratrabaho na ako ulit at humihingi sila ng MDR. Nagpunta po ako ng philhealth para ipaupdate and civil stat ko and dependent pero nung binigay saakin ang nakalay sa employer ay yung sa previous work ko. Hindi ko po kasi dineclare yun sa new work ko. Pwede ko po ba ipaupdate sa philhealth na hindi na ako nagtratrabaho sa prev employer ko para hindi na lumabas sa MDR? Thanks. Hope you can help me po.


Elvin Peria March 27, 2014 at 10:52 pm

Hi Confused,

I think it would be best to ask help from a PhilHealth representative but if I’m the PhilHealth representative, I will not allow it because it would mean inconsistencies on our records (PhilHealth) since your previous employer paid their part for your contributions.

I suppose ang current employer mo ay nanghihingi ng MDR because hired ka na. Since you’re already hired, I think it is safe to give them your MDR from PhilHealth (or tell them that you have a previous employer). Sayang din kasi yung three months na contribution mo.

Word of advice: the truth will set you free.


Confused March 27, 2014 at 10:59 pm

Salamat po sa reply

Nakalagay po ba dapat sa mdr yung contribution? Hindi ko din po kasis sure kung naghuhulog sila kasi ung sa tax ko tinawagan ko bir para sa TIN ko pero according to them hindi nakaregister ang pangalan ko.


Elvin Peria March 27, 2014 at 11:39 pm

I am not sure in the contents of MDR but as for the tax, sa pagkakaalam ko once a year lang nireremit ni employer ang taxes sa BIR. Employers are withholding the tax monthly but they’re paying it once a year. Dahil three months ka pa lang, malamang hindi pa nila nababayaran yun kaya wala ang name mo.

Your tax that are taken from you by your previous employer should be returned to you pag nagresign ka. I am not sure lang sa process ng AWOL.

I’ll ask my HR friends about your concern.


kaiser March 28, 2014 at 1:58 pm

I have two employers. Both are deducting sss, philhealth and pagibig. How should I treat them in Income consolidation? Thanks


Elvin Peria March 29, 2014 at 6:24 pm

Hi Kaiser,

Did your employers know that you are working for two (or more) companies? If no, better tell them to have it fixed for you. These government agencies especially SSS have a maximum contribution. Any amount greater than that would not be accepted, well as far as I know. I suggest that you clarify this with SSS, PhilHealth and Pag-IBIG.


zenicles March 30, 2014 at 2:10 am

Ask ko lang po sana kung pwde n b aq magapply ng salary loan kht d p nagrereflect ung hulog ng present employer ko from dec-march? May 37contri na po aq at may 3mos n hulog for 12months. And pwde ko po b ito isabay sa maternity leave?


Elvin Peria March 30, 2014 at 7:18 am

Hi Zenicles,

Ang requirement kasi sa SSS Salary loan based on their website ay dapat mayroong 36 posted monthly contributions (which meron ka na) at anim dito ay dapat within 12 months.

You may ask someone from SSS branch near you for clarifications.


glaiza April 4, 2014 at 6:37 pm

good day.. ask ko lng.. I apply for sss and pag-ibig kc need s pghahahnap ng work.. unfortunately, 10 months n ko wala work.. binibigay ako ng Tita ko ng 150 a week.. ngbabantay kc ako ng tindahan nila. gusto ko ngcontribute s Sss at pag-ibig at s philhealth n din.. pano po kaya ang mgging contributions ko at pano ko mgbabayad at Saan. thanks for response.


Elvin Peria April 5, 2014 at 7:59 am

Hi Glaiza,

You can do that. Just go to the nearest SSS, PhilHealth and Pag-IBIG center near your place. You need to fill up forms at kailangan mong iindicate na self employed or voluntary member ka. Pag nagkawork ka na, your employer will change your status from voluntary to employed.

As for your other question on where to pay. Bayad centers and SM payment centers, to name a few, accepts payments. Pati din sa mga offices ng government institutions na to nag-aaccept sila ng payments.


Lhotte April 4, 2014 at 7:05 pm


Tanong ko lang po if emplyed ba ang 16 years old entitled pa rin sya for deduction sa tax, sss,philhealth at pag-ibig?



Truth Be Known April 10, 2014 at 5:23 pm

Hello,we have employees that don’t want to join Pag-IBIG. We as employee know it is mandatory,but if employee insist to be excluded from program,is there a penalty for employee? Are we as employer at risk of receiving penalty from Pag-IBIG?


Elvin Peria April 10, 2014 at 11:02 pm

Hi Truth Be Known,

Let me quote a text from Pag-IBIG’s FAQ section to help us in your question. They said that, “with the signing of Republic Act No. 9679, membership to the Fund shall be mandatory for the following: (a) All employees, workers, professionals, officers and companies who are compulsorily covered by the SSS and GSIS… ”

Also, I read in this a SunStar article that “The GSIS-covered employees include uniformed members of the Armed Forces of the Philippines, Bureau of Fire and Protection, Bureau of Jail Management and Penology and the Philippine National Police. The SSS-covered employees include Filipinos employed by foreign-based employers, Overseas Filipino Workers and all Filipinos, including househelp and vendors, who are earning not less than P1,000 a month.”

Given these statements, if your company is not compulsorily covered by the SSS and GSIS or the employer is earning less than P1000 a month, then your company is not required by law to pay your share for your employees’ Pag-IBIG contribution. Failure to do so could lead to fines, if not imprisonment, as this is mandated by law.

Just to make sure to avoid fines, please consult your concern to Pag-IBIG representative by calling their hotline or visit their office near you.

I hope I was able to answer your questions.


jonalyn andes April 14, 2014 at 11:05 am

hello i just want to ask how the 36 months contribution work in SSS… What are the benefit…


Elvin Peria April 14, 2014 at 11:27 am

Hi Jonalyn,

What do you mean by how the 36 months contribution work in SSS?

As for the benefits, SSS can provide the following benefits to their members: retirement, maternity, sickness, disability and death and funeral. Each have different requirements. You may refer to the SSS official website. Look for Benefits tab then Social Security Benefits.


annabelle ytang April 21, 2014 at 6:50 pm

Hi Sir,

I just want some information about disability. My mother has recently become disabled. She has SSS and Phil health. Now she in the process of applying for the benefit. What other support is available to her?

Salamat po.
Annabelle Ytang


Elvin Peria April 21, 2014 at 9:54 pm

Hi Annabelle,

Since she has SSS, she can apply for the Disability Benefit. It can be a lump sum or a monthly pension. Lump sum will be given to those who have not yet paid the required 36 monthly contributions. As for the monthly pension, it will be based on the member’s number of contribution and the years of membership. You may ask for more details from the SSS representative.

As for the PhilHealth, I read in Rappler that PhilHealth recently launched disability benefit package, however the full details were not disclosed. You may ask a PhilHealth representative for more details.


annabelle ytang April 23, 2014 at 5:50 am

Hi Sir,
Thank you very much with the info given to me.
I have another inquiry about my mother pension. The SSS pension advice to file sick leave before incapacity benefit. She been making volunteer contribution towards her pension for 5 years. I want to know if she will still receive incapacity benefit when she is 60. This year she will be 59. Every months she contributes 330 pesos for her pension. How much incapacity benefit will she receive?
The Phil Health in my father name of which my mother is co- benefactor. they have recently used Phil Health to paid for an operation on my mother leg.
She has take medication everyday and because they have no income it is difficult for them to afford the high cost involved.
Do you know , therefore of any benefit or charity which would help to pay for this essential medicine.
They live in South of Cebu City. She has many appointments with doctor which also has to be financed.
Would these cost be met by Phil Health and SSS?

Salamat po


Elvin Peria April 23, 2014 at 8:52 am

Hi Anabelle,

I don’t think PhilHealth and SSS can cover all your parent’s medical requirement. I think what you can do is seek assistance from PCSO through your Barangay.

As for the benefit she’ll receive, here’s an excerpt from the SSS website:

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

Only totally and permanently disabled members will be receive a lifetime monthly pension. However, the pension will be suspended if the pensioner recovers from the illness, resumes employment or fails to report for annual physical examination when notified by the SSS. The member may request for a domiciliary or a home visit if the disability inhibits the member from reporting for re-examination by the SSS physician at any of SSS branch offices.

The monthly pension of a partially disabled member is paid up to a certain umber of months only according to the degree of disability. If with deteriorating and related permanent partial disability, the percentage degree of disability of previously granted claim shall be deducted from the percentage degree of disability of the current claim.

The monthly pension is also given in a lump sum if duration of pension is payable for less than 12 months.


emman April 22, 2014 at 4:30 pm

Hi sir,
ive been unemployed for 8months na, then magkakawork na ko this may, panu po un hindi nahulugan for 8mos ung sss pag-ibig at philhealth ko, anu po mangyayari?


Elvin Peria April 22, 2014 at 4:45 pm

Hi Emman,

Hindi na mahuhulugan yung SSS, PhilHealth at Pag-IBIG mo for 8 months. As far as I know, hindi naman sila nag-aaccept ng back payments. May hinahabol ka bang loan or something? If wala naman, okay lang yun.

Next time, i-ensure mo na lang na mahuhulugan mo sya kahit nawalan ka ng work.


emman April 22, 2014 at 6:40 pm

Thank you sir!


annabelle ytang May 3, 2014 at 2:19 am

Hi Sir,
My father was 60 4 days ago. It’s time to collect his gold pot ‘ Pension’. The pension office in Cebu City is not easy to access because it serve the whole of the region v11 and therefore, there are massive queues. My father visited the pension today to inquire about his pension and what he should expect to receive. The reason for the delay in visiting the office is because my mother has recently become disabled and he has to arrange someone to look after her. The office told him that he would need to have a bank account. As he has a building society account would this be satisfactory for their requirement? As stated previously my father is the carer of my disabled mother. Will his pension reflect this in respect of extra allowances for his role as a carer? Furthermore, the office asked him if he would like to receive his pension every month or very 18 months. He filled out form an opted for the latter because the officer indicated that option was worth more money. I don’t think my father fully understood the implications behinds this. He has paid into his pension for 10 years, 3 of these were through voluntary contribution. Do you have any idea as to how much pension he will receive as a lump sum? In 1989 he loaned 1000 pesos against his pension. He has discovered that it has grown to 12,000 piso. Will this amount be deducted from his pension immediately?

Thank you for your time

Annabelle Ytang


Elvin Peria May 4, 2014 at 10:23 am

Hi Ms. Annabelle,

According to the SSS website, here’s how you can compute for your father’s pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html

As for your other questions, it would be best to consult a SSS officer regarding the technicalities of this.


Hannah May 12, 2014 at 12:08 pm

Hi po.. Good day.. Ano po ba ang dapat kong gawin? Kasi ganito po yon.. Binayaran ko po ang SSS ng employee ko for the month of Dec 2013 to April 2014.. Total payment ko po ay P2540.80.. Ang problema ko po ay ang nalagay ko na monthly earnings nya sa form R1A ay P5000 which is dapat P4500 lang.. Tapos na isubmit ko na po sa SSS ang R1A. Everytime I try to encode the contribution there is an error which says “Your SSS amount is out of bracket”. Ano po ba dapat kong gawin? Tulong po.


Elvin Peria May 12, 2014 at 12:35 pm

Hi Hannah,

P4500 and P5000 falls into two different income bracket requiring different employer share. It would be best to drop by (or call) the nearest SSS office and raise your concern there. You can also ask them if you can update your employee’s monthly income.


Hannah May 12, 2014 at 12:40 pm

Thank you for answering so fast.. Have a great day! :)


Betsy May 12, 2014 at 10:07 pm

Hi sir goodevening. Sir, may tanong lang po sana ako. Ganito po kasi yon. May employee ako na ang pag bayad ko sa kanyang sss ay bulk payment. Bali from Jan 2014-april 2014 inisa ko lang po.. Bali iisang receipt lng din po.. Tpos ang problema ko po inencode ko na po xa sa collection contribution list, pag encode ko sa jan2014 successful pa.. Pero pag encode ko sa feb 2014 and the rest ayaw ng ma encode ang nkalagay “File with the same SBR no. And SBR Date was already submitted.” Ano po ang gagawin ko? Iisa lng nman talaga ang receipt ko..?..


Elvin Peria May 13, 2014 at 7:22 am

Hi Betsy,

I think it would be best to raise your concern sa SSS office. You may call their hotline (02) 920-6446 or visit their office near you.


kyleshane May 13, 2014 at 9:41 am

may tanong lang po ako, kasi nagloan ako sa SSS na under ng company ko kasi working ako sa kanila. right now, gusto ko kasi ako na lang magbayad monthly payment ko na start sa June hindi ko ipapakaltas sa salary sa company ko pwede po ba yun?kung pwede pano po at saan? kasi ang company namin lagi late magbayad kaya tuloy nag iinterest yung mga loans namin


Elvin Peria May 13, 2014 at 11:57 am

Hi kyleshane,

According to my HR friend, it is HR’s responsibility to deduct as scheduled by SSS. I think, naapprove ang loan mo dahil meron kang employer unless you applied the loan as self employed.

You may ask your HR, what you can do about it. You may also use that opportunity to raise your concern about them paying late.


hannah May 14, 2014 at 10:37 am

hi sir.. good day!.. Sir, ask ko lang kung ilang days ba bago lalabas ang contribution ko sa employee ko?.. inencode ko kasi ang r3 online.. dba dpat mag appear na kaagad yan sa employee’s sss ko..?..


Elvin Peria May 14, 2014 at 10:53 am

Hi Hannah,

According to my HR friend, quarterly daw magpost ng contributions sa portal ni employee. That being said, the portal is not real time. I guess, you have to wait for three months before you see your contributions.


Edwin May 16, 2014 at 5:30 pm

Good day Sir!
Ask ko lang po kung anu dapat gawin ko regarding sa sss ko.Napatigil po kasi ako sa contribution after mawalan ako ng work at my loan po ako na di ko na rin po nabayadan.Ofw na po ako ngayon at gusto ko po ituloy yung SSS ko at bayadan ang loan ko.I think last time po ako nag contribute ay 2007 pa..5 years din po ako straight na naghuhulog bago ako nawalan ng work.Ano po mga dapat ko gawin para maituloy SSS ko at bayadan ung loan?
Thanks po.


Elvin Peria May 17, 2014 at 7:19 pm

Hi Edwin,

Dahil kayo po ay considered na inactive member ng SSS, kailangan nyo lang po magbayad ng inyong contribution sa SSS. Kapag nakapagbayad na po kayo, icoconsider na po kayo ng SSS na active member.

Para naman po sa loan, base po sa SSS website, kayo po ay mag-iincur ng delinquency interest na 1% per month as penalty. Bukod pa po ito sa interest na ichacharge sa inyo. Dahil 5 years na po kayong hindi nakakahulog (pati sa loan), I am expecting po na medyo malaki na ang utang nyo sa SSS kaya po niresearch ko na din ang mga programa ng SSS. Meron po silang tinatawag na “Loan Condonation Penalty Program” na kung saan kayo po ay magkakaron ng discount sa inyong utang na interest sa kanila. Eto po ang link: SSS Loan Condonation Penalty Program.

Mas maganda po siguro kung pumunta po kayo sa pinakamalapit na SSS office sa inyong lugar (kung kayo po ay uuwi ng Pilipinas). Para po maipagtanong nyo ang mga bagay na ito kanila.


Janno May 19, 2014 at 9:49 pm

hello. . .seaman po ako,yung unang sakay ko po kasi sa barko OJT ko,so yung SSS ko may nabayaran mula august 2011 to May 2012. ang contract ko that time is july 2011 to june 2012, so yung JUNE 2012 to May 2014 hindi ko po nabayaran…pwede ko pa po ba icontinue yung SSS ko? at paano ko po maitutuloy? thanks.


Elvin Peria May 20, 2014 at 9:10 am

Hi Janno,

Pwede mong ituloy ang SSS contributions mo. Although hindi sila nag-aacccept ng back payments. So, once nagbayad ka ng contributions mo, gawin mo na syang tuloy-tuloy para maconsider ka na active member. Pumunta ka lang sa pinakamalapit na SSS office para makapagbayad at the same time, update mo na din yung status mo. Ask mo din kung ano ang pinakamagandang status for you (employed, self employed, voluntary member etc).


Janno May 20, 2014 at 11:06 am

thanks for the info. . .add na rin po ako questions,,pwede ko po ba maiprint yung months na nabayaran sa SSS ko?at pano or san ko pwede makita?may isang buwan kasi in between na walang bayad kaya gusto ko ipakita sa company namin….thanks


Elvin Peria May 20, 2014 at 3:45 pm

Hi Janno, you may check sa website ng SSS yung contributions mo. Although, most of the time hindi yun updated. Pwede ka dun mag-login. Ifollow mo na lang yung instructions sa site nila kung papaano.


Fred May 20, 2014 at 12:08 pm

Hi Elvin,

I recently resigned from my work and I have no plans on being employed for at least 5-8 months due to personal reasons. During that time of unemployment (or in case I get unemployed again in the future) can I still contribute to my SSS, PhilHealth and Pag-IBIG? If yes, how much should my contributions be or is that up to me?

Thank you!


Elvin Peria May 20, 2014 at 3:42 pm

Hi Fred,

Yes, you can still continue to contribute sa SSS, PhilHealth and Pag-IBIG. Be sure to change your status from employed to voluntary member. The monthly contributions will depend on you, although they have their minimum required contributions. You may visit their offices (or call their hotline) for more details.


Betsy May 20, 2014 at 9:23 pm

Hi sir. Gudeve.. Sir ano po ba mangyayari pag ang sss ko ay binayaran ko voluntary at hndi ko alam na binabayaran na pala ako ng employer ko.. Ano po ba mangyayari mafoforfeit na po ba yong binayaran ng employer ko?


Elvin Peria May 21, 2014 at 8:06 am

Hi Betsy,

As far as I know, SSS is not accepting duplicate contributions. So in your case, it would be best na pumunta sa SSS to check if doble ang contributions mo. Ensure mo din sa employer kung nagbabayad talaga sya.


alyssa May 30, 2014 at 8:03 am

Nagloan po ako ng multipurpose loan sa pagibig last march and right now i have already resigned from my employer. This june na po start ng payment ko, ask ko lang po saan po ako maaring magbayad para sa loan and contribution? Thank you.


Elvin Peria June 1, 2014 at 8:08 am

Hi Alyssa,

Pwede mong itry sa Bayad Centers or SM Business Centers. Although ang nakalagay lang sa website ng Pag-IBIG ay Housing Loan at monthly savings lang ang tinatanggap nila. Eto po yung link:

Kung hindi ka nila payagan sa mga centers na ito, pwede kang pumunta sa pinakamalapit na Pag-IBIG office sa inyong lugar.


wilma May 31, 2014 at 9:31 am

Tanong ko po kung pwede pa po ba Ipag patuloy ang contribution sa sss kahit na hindi na nag wowork sa pilipinas at ngayon ay nakatira na sa US?


Elvin Peria June 1, 2014 at 8:12 am

Hi Wilma,

Pwede naman pong ipagpatuloy ang SSS contribution kahit hindi na po nagwowork sa Pilipinas. Sa pagbabayad naman po ng contribution, pwede nyo po itong idaan sa inyong “trusted relatives” para sila po ang mag-aasikaso ng pagbabayad on your behalf. Or pwede nyo pong subukan ang link na ito: https://www.paypilipinas.com/


marie June 3, 2014 at 4:17 pm

Good Day po!
My deadline po ba ang monthly contribution ng PagIbig, SSS for OFW?
Pwede pa po ba bayadan ngayon ang month ng Jan to May?

Thank you


Elvin Peria June 3, 2014 at 5:17 pm

Hi Marie,

Sa pagkakaalam ko, hindi sila nag-aaccept ng back payments eh. If you pay now, it’ll be credited sa mga susunod na buwan.

Pwede mo din itong iconfirm sa Pag-IBIG at SSS hotline (or email mo sila).

Pag-IBIG: publicaffairs@pagibigfund.gov.ph
SSS: member_relations@sss.gov.ph


Judy June 14, 2014 at 12:44 am

Hi Elvin,
Please enlighten me, I will be resigning on my work and effective on June 25, to be a full time house wife and still willing to pay for SSS as voluntary. My question is that i still have an existing loan in SSS but will be half replenish this August to be able to have a second loan. Can i still be granted? I will be paying as voluntary this July forward. That is for SSS.

How about my Pag-ibig? I don’t have existing balance anymore in my previous Pag-ibig loan? Can I still be granted for a second loan? Provided that I will be separated in my work and still thinking if I will continue aying voluntarily in Pag-ibig or not? I’m thinking of sayang naman yung nahulog ko dati kung hindi ko maloloan ngayon, that is for Pag-ibig. Thanks in advance.


Elvin Peria June 18, 2014 at 12:19 pm

Hi Judy,

Mas madali po sanang maaapprove ang loan nyo if you’re working pero dahil magreresign na po kayo, mas mabuti po na iraise nyo ang concern nyo sa SSS and Pag-IBIG mismo. Para po mas masagot nila kayo ng tama. Pwede po kayong tumawag sa hotline nila in case na malayo po ang lugar nyo sa office nila.


Norlyn June 16, 2014 at 2:07 am

Hi how can i know that my last contributions are merge already..cuz i go already in office of the pagibig..they told me..after 2weeks..but now i cant see it and i cant find the exact website..and i have a new paymnts that made here in saudi…wat will i do..thnx


Elvin Peria June 18, 2014 at 12:17 pm

Hi Norlyn,

According to my HR friend, it would be best if you can call or visit Pag-IBIG office again (it may be difficult for you kasi nasa Saudi ka). Hindi po kasi updated ang contributions online ang pag-IBIG contributions. Or kung meron man po online, madalas na outdated ang contributions.


Desiree June 21, 2014 at 3:38 pm

Hello, I found this site very informative.

I am currently on maternity leave. As my employer is not oblige to pay my contributions during this period, I would like to pay it voluntarily. Please can you advise if I can also pay thru Bayad Centers or SM? Will there be a different procedure in paying when you’re on maternity leave?

Thanks in advance for your advise.


Elvin Peria June 24, 2014 at 6:26 am

Hi Desiree,

Be sure to ask your employer first if they’re paying your contributions. It would also best if you can seek advice from your HR. I am assuming you are still employed kaso you are just on maternity leave. Tama ba ako? Hindi ka kasi macoconsidered na voluntary member dahil you are currently employed.

In terms of paying your contributions, you can pay them at bayad centers or sm business centers. As for the different procedure, I am not sure.


Nikki June 22, 2014 at 2:14 am

Good morning, Sir Elvin!

Itatanong ko lang po yung about sa SSS Maternity Benefit. Kasi po since Aug 2013 hindi na po ako nakapagbayad sa SSS kasi po nagresign ako from work to be a full-time housemom. Kaya lang po nabuntis ako and manganganak na ako this October 2014. Tanong ko lang po kung maihahabol ko pa po ba yung sa Maternity Claim ko? What steps should I take po kaya agad para makakuha pa po ako nung maximum amount ng Maternity Benefit. Thanks po.


Elvin Peria June 24, 2014 at 6:10 am

Hi Nikki,

Based on the SSS requirements para makapag-avail ng Maternity Claim. You should have:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

In your case, dahil manganganak ka ng Oct 2014, your semester of contigency is from May to September 2014. The 12 month period prior the semester of contigency is from May 2013 to April 2014. Dahil employed ka pa until August 2013, pasok ka pa sa first requirement ni SSS.

You should notify SSS as soon as possible to avail your maternity claim. Be ready with the necessary documents to prove that you have contributions from your previous employer.

In terms naman sa claim na pwede mong makuha nakadepend yun sa contributions mo sa SSS. You may refer sa link na to for more details.



Nikki June 24, 2014 at 9:08 am

Thank you for replying, Sir Elvin. Follow up question lang po. Dun po sa sakop na semester of contingency, pwede po bang maghabol po ng contribution para medyo malaki naman po yung makuhang claim?

For example po, magpapalit po ako ng status to voluntary member tapos po magbabayad ako ng contributions for September 2013 hanggang April 2014. Pwede po ba yung ganun?


Elvin Peria June 24, 2014 at 9:59 am

Hi Nikki,

Sa pagkakaalam ko kasi, hindi nag-aaccept si SSS ng backpayments. So technically, if nagbayad ka for current month sya. You may verify this sa SSS.


Nikki June 24, 2014 at 12:02 pm

Ah, ganun po ba, sige po. Thanks po talaga, Sir Elvin. This blog is such a big help.


Rose Ann June 24, 2014 at 1:30 pm

Hi sir gud afternoon,
OFW po ako 23 years of age am i qualified for “Educational Assistance loan” for my sister, if yes how can i avail it.



Elvin Peria June 25, 2014 at 5:06 pm

Hi Rose Ann,

Eto ang requirement ng educational assistance loan ayon sa SSS website.

1. Active member na may buwanang sahod na hindi hihigit sa P25,000
2. May 12 posted monthly contributions na ang isang buwang contribution ay naibayad sa tatlong buwan bago ang petsa ng loan application.
3. Kung single, maaring gamitin ng kapatid. Kapag napili na ang benefieciary, hindi na ito maaring palitan.

Kung nais mong mag-apply, magdownload ng form sa sss.gov.ph.


Rose Ann June 25, 2014 at 11:22 pm

Ok sir thankyou and godbless:)


Baby June 25, 2014 at 10:55 pm

Good Day!

Ask ko lang po sana, last August 2013 nagkaroon po ako ng first loan sa SSS, then I resigned ng October 2013.. hindi ko na nakuha ung last pay ko dahil usapan namin ng employer ko na un na ung ibabayad nila sa naloan ko sa SSS.. until now di pa din nila naireremit sa SSS for some reason.. meaning, wala pa ako kahit isang hulog sa niloan ko sa SSS..may question is recently i found out that i have a contagious disease, is it possible to file a sickness loan while a still have unpaid salary loan in SSS?


Elvin Peria June 26, 2014 at 11:03 am

Hi Baby,

I am saddened by your experience. I think it would be best to ask your previous employer if they really paid your loan balance. Also, verify this with SSS. Medyo delayed ang government websites pagdating sa mga contributions and payments. You may also inquire sa SSS directly if you can still avail sickness loan. Makakatulong din po kung magseek ng help sa munisipyo or sa PCSO. Madami lang po silang requirements, pero may mga kakilala po akong natulungan ng mga government offices na ito.


alyssa clemente June 26, 2014 at 9:51 am

I am 23 years old. I am voluntary paying my sss yearly. I paid the maximum sss contribution in a month for one year. I am doing this for 3 consecutive years and I want to continue paying the maximum sss contribution till i reach 60 so i can enjoy my sss pension. the problem is i dont have idea what will be my monthly sss pension once im done paying my sss into maximum till i reach 60. please help me to answer this..thank you


Elvin Peria June 26, 2014 at 10:06 am

Hi Alyssa,

According to the SSS website, here’s how you can compute for your pension.

The monthly pension depends on the members paid contributions, including the credited years of service (CYS) and the number of dependent minor children but not to exceed five. The amount of monthly pension will be the highest of:

the sum of P300 plus 20 percent of the average monthly salary credit plus 2 per cent of the average monthly salary credit for each accredited year of service (CYS) in excess of ten years; or

40 per cent of the average monthly salary credit; or

P1,200, provided that the credited years of service (CYS) is at least 10 or more but less than 20 or P2,400, if the CYS is 20 or more. The monthly pension is paid for not less than 60 months.

A retiree has the option to receive the first 18 monthly pension in lump sum discounted at a preferential rate of interest to be determined by the SSS. The option should be exercised upon filing of the first retirement claim. Only advance payments shall be discounted on the date of the payment. The dependents’ pension and 13th month pensions are excluded from the 18 months lump sum pension.

The member will receive the monthly pension on the 19th month and every month thereafter.

You may refer to this link for more details: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html


alyssa clemente June 26, 2014 at 10:13 am

hi sir alyssa clemente po to.. office staff po ako sa maliit na cooperative and wala po akong kahit anong benefits.. i decided to pay my sss as a voluntary member i am paying yearly with the maximum amount of sss contribution a month i am paying my sss yearly at a maximum amount for 3 years now. my question is if ever po ba magbayad ulit ako ng yearly sss pension at a maximum amount for the whole year of 2015 and matanggap po ako as a regular sa clerk sa bdo, mgdodoble doble po ang hulog ko sa sss… if babawasan na ng bdo ung salary ko para sa sss maliit lng un at hindi maximum unlike nung binabayad ko…another question is paano po computation ng pension ko if itigil ko na pagbayd ng maximum amount at magdepend nalang sa ibabayad ng employer ko?,.. hindi na po ba mahohonor ung 3 years na pagbayd ko ng maximum? or ok lng po ba na magbayad pa din ako ng maximum yearly plus ung sss na kaltas sa sweldo ko? anu po sa tingin nyo sir? please help


Elvin Peria June 26, 2014 at 12:44 pm

Hi Alyssa,

I understand kung ano ang gusto mong mangyari. However, sa pagkakaalam ko, hindi ka pwedeng sabay na voluntary contributor at employed ang status sa SSS at the same time. Although may benefit ang pagkakaron ng employer lalong lalo na sa pagbabayad ng SSS. More than half kasi ng contribution ay binabayaran ni employer unlike pag voluntary contributor ka babayaran mo lahat. Yun nga lang, nakadepend ang contribution sa monthly salary mo.

You can try other investment vehicles for your retirement. Madami jan, bata ka pa naman. Just do your research.

As for your other question. Mahohonor yung three years na pagbabayad mo ng maximum contribution, sa pagcocompute ng pension mo in the future.


elsa June 27, 2014 at 5:26 pm

Hi i have a super big problem. I registered for an sss number last 2011. I got my first job in a bank, but i’ve gone awol in the first month. There were no contributions made but I was registered as an employee of the bank-I knoe for sure because sss employee told me before. After that traumatizing awol incident, I didn’t work at any company to the present date. So my sss contribution is still zero. I want to know if I can make a voluntary contribution now? How will I do that? I can’t go to the sss office to ask cause I’m ashamed. I know it’s all my fault. I hope you can help me.


Elvin Peria June 28, 2014 at 1:06 pm

Hi Elsa,

Yes, you can make a voluntary contribution now. However, you really need to go to the SSS office to change your status from employed to voluntarily contributing member. You can do this by filling up a form.

By the way, don’t feel ashamed.


jenny June 30, 2014 at 8:29 pm

Can Salary Loan and Maternity Benefit be combined together? I mean, PDE kaya sya pagsabayin ng kuha?


Elvin Peria July 2, 2014 at 7:58 am

Hi Jenny,

I think this is possible as long as you meet all the requirements. However, it would be best to consult SSS directly.

Here’s the requirements for salary loan from SSS website:

1. All currently employed, currently contributing self-employed or voluntary member.

    a. For one-month loan, the member-borrower must have 36 posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.

    b. For two-months loan, the member-borrower must have 72 posted monthly contributions, six (6) of which should be within the last twelve (12) months prior to the month of filing of application.

2. The member-borrower whose employer must be updated in the payment of contributions.
3. The member-borrower must be under sixty five (65) years of age at the time of application.
4. The member-borrower has not been granted final benefit (total permanent disability, retirement and death).
5. The member-borrower has not been disqualified due to fraud committed against the SSS.

As for the Maternity Benefit requirements:

1. She has paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.
2. She has given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.


alyssa clemente July 2, 2014 at 2:31 pm

Good afternoon sir. Presently I am working as a Property consultant and voluntary po ako naghuhulog sa SSS, if in case po na mahire ako sa BDO as Regular employee, kailangan ko po bang pumunta sa SSS to change status? from voluntary to employed? kasi po pag regular employee nako automatic napo ang bawas ng SSS sa salary ko. dapat ko po ba ung gawin pa? thank you very much


alyssa clemente July 2, 2014 at 2:40 pm

hi sir, single po ako ngayon at ang beneficiary ko sa sss ay parents ko .. kung magaasawa po ako, maiiba na ang apelyido ko at status at beneficiary ko,, mayroon lang po ba akong form na fi fill up an? then ung id ko sa sss nung dalaga pako papalitan na, ganun dn po sa tin ko, my form lang ako na fi fill up an pra maiba na status at surname ko? ganun lng po ba kadali? thank you


Elvin Peria July 2, 2014 at 9:30 pm

Hi Alyssa,

If you’re employed, usually si employer na ang gagawa nun for you. You just have to submit all the requirements and fill up the required forms. Ganun kadali if employed. :) However, as for the ID’s sometimes hindi sya inaasikaso ni employer.


Maria Elena Tomas July 2, 2014 at 4:22 pm

Gud day mam/sir.. My ask lng poh aq about sa payment q kc nkalagpas aq ng 3quarter sa payment q.. Dbale new member aq ngstart aq mg pay ng jan to march.. Tpos poh mgpay n sna aq ng april to june sa bayad center kxo poh july n kya d nila tinanggap ung payment q sa opis n daw ng philheath aq pumunta kya ang bibayaran q ung july to sept. Pagpumunta poh ba aq sa philheath opis pede q poh png bayaran ung nlagpasan qng month.. Plz reply poh


Elvin Peria July 2, 2014 at 10:08 pm

Hi Maria Elena,

Sa pagkakaalam ko, hindi inaallow ni PhilHealth ang back payments. I am assuming na quarterly ang schedule of payment mo. Ang deadline kasi ng April to June contributions ay June 30. Since July na, hindi na sya iaallow ni PhilHealth. You can ask PhilHealth din, para tipid, tawag ka muna sa hotline nila bago pumunta.


Dani July 2, 2014 at 6:31 pm

Hello po, ask ko lang ano po ang pwede ko gawin para mabawasan ang bill namin sa hospital ng nanay ko.. Ang problema nga lang, hindi sya member ng sss at pag-ibig at philhealth, ako po ay member pero may pamilya na ako at yung mga anak ko yung beneficiaries. yung kapatid ko na ofw at dalaga, sabi nya meron daw paraan sa pagibig nila. Kung meron paano ito iavail? Sa philhealth sabi kase di pa raw pwede nanay ko dahil 58 years old pa lang sya.

Thank you at marami akong natutunan sa site nyo po.


Elvin Peria July 2, 2014 at 9:40 pm

Hi Dani,

I think hindi PhilHealth ang makakatulong kasi your mom is only 58 years old. Hindi pa sya pwedeng iconsider as dependent dahil wala pa sya sa retirement age. I might be wrong so it would be best to ask PhilHealth directly.

I would suggest to seek help from your municipality or PCSO in your place para kahit papaano mabawasan yung bill ng nanay mo sa hospital. You can also try SSS/Pag-IBIG salary loans. Ask around, for sure these government agencies are very much willing to help.


Erica Rouisse July 2, 2014 at 7:09 pm


I would like to ask if it’s okay to pay it personally. I am newly employed and the company didn’t require SSS, PAG-IBIG and Philhealth. And as far as I know, old employees are also not members. But since I know how important it is, I still applied and I have decided to pay it personally monthly. How would the contribution be computed?


Elvin Peria July 2, 2014 at 9:56 pm

Hi Erica,

You have to file it as a voluntary member or self employed. Here are the links on the contribution for different government agencies. Remember that the higher contribution would mean higher benefits. Also, since you are a voluntary contributing member, you have to pay the employer share (ER in the SSS table)

PhilHealth: http://www.philhealth.gov.ph/partners/employers/contri_tbl.html

SSS: https://www.sss.gov.ph/sss/index2.jsp?secid=111&cat=2&pg=null

Pag-IBIG: Monthly contribution is P100. You have the option to upgrade your monthly contributions but the contributions can no longer be downgraded. You have the option to pay it monthly, bi-monthly, quarterly, etc.


liz July 3, 2014 at 2:17 pm

good day!

I would like ask, i’m employed in 2 different company – can i have both company deduct SSS, Pag-ibig & Philhealth contribution? Is okay if i opted to choose 1st company to deduct SSS, Pag-ibig & PHilhealth contri? and 2nd company to deduct only SSS? thanks…


Elvin July 5, 2014 at 11:09 pm

Hi Liz,

As far as I know, these government agencies especially SSS have a maximum contribution. Any amount greater than that would not be accepted. I would suggest to talk to your HR (both companies) and have them fixed it for you. You can also ask for their advice. You may want to clarify this with SSS, PhilHealth and Pag-IBIG.


kyleshane July 8, 2014 at 7:59 am

Good day po
tanong ko lang po kung pano magbayad ng SSS loans sa bank or SSS branch?kung ano po ipafollow na SSS number, kung SSS number ko o employer number? Kc po nagrequest po ako sa company namin na ako na lang magbabayad ng loans ko monthly kc late po sila lagi magpost hindi naman nila magawang on time magpost kaya ako na po nagvolunteer kc nagkakaroon lang ng penalty loans ko dahil sa late posting ng company namin pati nga po contribution late din magpapost. saka tuwing kelan po dapat magbayad ng monthly loans?kasi nakita ko sa website ngf SSS na depende sa 10th digit number ng SSS saka pano po ba yun example for July na month ko kelangan po ba July din magbayad?sana po matulungan nyo ako,thank u


Elvin July 11, 2014 at 12:42 pm

Hi Kyleshane,

Mas makakabuti po siguro kung bumisita po kayo sa pinakamalapit na SSS office sa inyong lugar para po masagot ang mga concerns nyo. Usually po kasi employer na talaga ang nag-aasikaso ng pag-babayad ng mga niloan nyo sa SSS.


Nikki July 10, 2014 at 2:06 am

Good morning po,
Since September 2013 po kasi unemployed na ako and hindi na po ako nakapaghulog sa SSS ever since. Magfile po sana ako ng Maternity Benefit, qualified pa po ba ako? And kailangan ko po ba magchange to voluntary member and post a contribution ASAP para makapagclaim? Thanks.


Elvin July 11, 2014 at 12:49 pm

Hi Nikki,

Just like I’ve mentioned dun sa earlier reply ko ang requirements sa maternity benefits ay:

1. Paid at least three monthly contributions within the 12-month period immediately preceding the semester of her childbirth or miscarriage.

2. Given the required notification of her pregnancy through her employer if employed, or to the SSS if separated, voluntary or self-employed member.

In your case, dahil manganganak ka ng Oct 2014, your semester of contigency is from May to September 2014. The 12 month period prior the semester of contigency is from May 2013 to April 2014. Dahil employed ka pa until August 2013, pasok ka pa sa first requirement ni SSS.

Just be ready lang with your documents to claim your Maternity Benefits.

As for your other question, if you’re not employed now and want to still become an active member of SSS to avail its benefits you have to change to voluntary member and post a contribution.


edna cabrera July 10, 2014 at 2:34 pm

hi there!

im a woking mom nag work ako before pero as of nov 2013 hindi ko na nabayarn ang sss pag ibig and philhealt. May bago kong work alomost six month na ako dito pero hanggang ngayon hindi ko pa nuhuhulugan ang sss pag ibig and philhealt ko gusto ko siyang hulugan for the future of my three dauhgters and mag voluntary na lang po ako
panu po kaya ang gagawin ko
i hope na amatulungan ninyo ako thank you and god bless us


Elvin July 11, 2014 at 12:50 pm

Hi Edna,

Kailangan nyo pong pumunta sa SSS, PhilHealth at Pag-IBIG to become an active member again. May fifill-upan po kayo na form dun to change status from employed to voluntary member.


Che L. July 14, 2014 at 10:20 am

Good day, Journey to Millions!

Itatanong ko lang kasi employer ako. I started my business Feb 2014. Recently ko lang nairegister ang business ko sa PhilHealth. May empleyado ako na-hire ko noong February din. Ngayon pa lang ako makakapaghulog ng contribution sa kanya. Anong buwan ko dapat simulan ang paghuhulog? Simula ba noong na-hire ko siya?

Thank you so much!


Elvin July 14, 2014 at 4:22 pm

Hi Che,

You may verify this with PhilHealth. As far as I know, ang mahahabol mo na lang na contribution ng employee mo ay starting Q3 dahil tapos na ang Q2 at Q1 deadline. Sa pagkakaalam ko hindi sila (PhilHealth) nag-aaccept ng past due contributions.


Che L. July 15, 2014 at 11:01 am

Thank you, Sir Elvin.

Nagpunta ako sa PhilHealth. Pinabayaran nila yung past due contributions simula February hanggang May sa akin kasama ang penalty. Kasi kung kailan daw na-hire ang empleyado, doon sisimulan ang contributions.

Pero okay na. Na-settle ko naman na. Thanks!


Elvin July 15, 2014 at 10:13 pm

Thank you for sharing your experience with PhilHealth, Che. Ganun pala yun, required pala talaga magbayad ang employer even past due contributions.


Victoria July 15, 2014 at 11:05 am

hello.. gusto ko sana ituloy ang contribution ko ngayon sa philhealth.. nahinto ang pagbabayad ko noong january as self-employed. self-employed pa rin naman ako ngayon.. dapat ko ba bayaran ang mga lumipas na buwan?? salamat..


Elvin July 25, 2014 at 2:00 pm

Hi Victoria,

No need na. As far as I know hindi nag-aaccept ng back payments sa PhilHealth except for the same quarter.


cheryl July 16, 2014 at 9:18 pm

hello po ask ko lang sana about case ko..galing akong saudi and im here now in abu dhabi under husband’s visa.bali from exit ko sa saudi dumiretso na ako dito with my husband..Gusto ko sana ituloy yung payment ko sa pag-ibig and philhealth kahit ako na ang magbabayad kasi pag umuwi kami ng pinas, wala narin naman akong eoc kasi wala ako work now especially im pregnant. paano po yun?pwede ba icontinue as ofw yung payment kahit wala na akong employer now?another Q po, makakaavail ba ng mga benefit sa sss khit nandito abroad like yung sa maternity sa sss khit d pa ako nkpagchange status?thanks much


Elvin July 25, 2014 at 1:40 pm

Hi Cheryl,

You may continue your contributions even if nasa abroad ka. Search google or the comment section here about the vehicles on how you can pay outside the country.

As for the maternity benefits, I am not sure kung paano makakapagavail kung nasa ibang bansa ka. You may try contacting SSS office in Saudi. You may refer to this link: http://riyadhpe.dfa.gov.ph/index.php/ofw-welfare/sss-membership


Jan July 21, 2014 at 6:07 pm

Hi! We’re planning to acquire lot purchase..and per requirement we are asked to pay the 15% as downpayment. This initial pay we can handle but the remaining 85% needs to be paid within 2 years…can i apply this for a loan thru pag-ibig or SSS? If yes, which has lower interest rate? What are the requirements? Thanks…


Elvin July 25, 2014 at 1:45 pm

Hi Jan,

As far as I know you may apply it as a loan in SSS or Pag-IBIG as long as you satisfy the requirements. As for the interest rate, depende sya sa amount na iloloan mo. I suggest to try bank loans din.

For your reference, eto yung requirements sa SSS loans. Try to look for the category you’re looking for: https://www.sss.gov.ph/sss/index2.jsp?secid=756&cat=3&pg=null

As for Pag-IBIG: http://www.pagibigfund.gov.ph/benpro.aspx


alvin July 22, 2014 at 1:26 pm

Hello po ask ko lang po last time i paid my contribution on my sss was 2011 but i already paid my loan i im a permanent resident here in US i want to continue my contribution po but i dont know how much monthly contri should i pay.
Saka po san category po ako mapapabilang kung ofw or self employed i was so confused regarding my payment nagpunta na po aq sa pnb depende daw po sa last contri ko po. Thanks po saka kung every month po ba aq maghuhulog


Elvin July 25, 2014 at 1:52 pm

Hi Alvin,

I suggest, kung uuwi ka sa Pinas, yun ang pinakauna mong asikasuhin for you to continue your contribution. You can also pay sa government offices (PhilHealth, SSS and Pag-IBIG) to become active again. After that, pagbalik mo sa US, you can pay on online facilities. You may search the comment section here for the links.


alvin July 25, 2014 at 2:19 pm

Hello po ulit kuya elvin, ndi q po ba pwd malaman thru online qng magkanu ung contri q po and qng san category po aq napapabilang kasi po nagwwory lang aq baka kasi maging inactive na aq e ndi q pa sure qng kelan uwi q po salamt po


Elvin July 28, 2014 at 7:56 am

Hi Alvin,

Since ang last contribution mo ay 2011, inactive member ka na. You need to update your form by going to SSS office near you (although I am not sure kung meron sa US). You can start by emailing your concern directly to SSS specifically for OFWs. Here’s their email address: ofw@sss.gov.ph


alvin July 28, 2014 at 2:07 pm

Yan po ung last contribution q pero nag bayad po aq last payment q po ay this year lang po ng 5k in peso po pero pwd q pa bang pa activate un? Salamat po


JayTan July 24, 2014 at 10:12 pm

Hi! I have to ask this coz I have no to ask. I’m really lost about these things. I’m a fresh graduate. I already have a job. Sa 3rd month, review uli nila ako for ako kung tataasan sweldo ko. Oh and probation ako for 6 months. Then my employer said that they will pay SSS, Philhealth and Pagibig after 6 months pa. So for 6 months makukuha ko ng buo sweldo ko. That’s not right di ba?

applicable din po kaya ito sa sss and pagibig? thanks


Elvin July 25, 2014 at 1:58 pm

Hi JayTan,

Required na bayaran ng employer ang SSS, PhilHealth and Pag-IBIG contributions. You may check the comment of Che L, an employer above.

You may clarify this with your employer baka hindi lang maayos ang pagkakaexplain sayo.

Kung ganun pa din, you may contact DOLE.


Francis July 28, 2014 at 12:12 pm


I hope to hear from you people. My father only paid 2 years to SSS long time ago. Now, he’s old, he wondered if he could claim something from SSS, so he inquired. He was told that he will only get a lump sum of his 2 year contribution with “minimal” interest. So he worked on the requirements and now waiting for SSS to release it. For me, it’s kinda funny because he doesn’t know how much will he get as SSS didn’t tell him how much. He’s been waiting for 2months now and I’m just wondering if it’s really worth the effort. My question is, do you guys know how much approximately he would receive? I’m thinking maybe it’s just a one time dinner bill at a not so fancy restaurant.

I don’t want to upset my father if he only receives close to “nothing” that’s why I am asking and I could tell him not to hope for it anymore.

Thanks a lot and God bless.


Elvin July 28, 2014 at 12:21 pm

Hi Francis,

Your father is entitled to a lump sum for his two years contribution. According to SSS, the amount is equal to the total contributions paid by the member and by the employer including interest. If you can ask your father if he knows his contribution, then you can compute the approximate amount of his lump sum.

For more details, you may refer to this link: https://www.sss.gov.ph/sss/printversion.jsp?id=73&file=ben5000.html


Francis July 28, 2014 at 12:28 pm

THanks for responding Elvin.

Do you have a clue how much is the interest?



nancy grace July 29, 2014 at 3:38 pm

hi po,.me MPL po ako april 2013 then calamity loan last Nov 2013..i planning to renew my MPL this Aug 2014…what if naka maternitl leave po ako nung APril 21, to june 2014 qualified po ba ako for the renewal?
thanks for the time..godbless


Elvin August 4, 2014 at 8:02 am

Hi Nancy Grace,

Better ask SSS directly regarding your concern. Details of MPL are not posted in SSS website kasi.


richard July 29, 2014 at 9:44 pm

paano po ba mg loan s sss?


Elvin July 30, 2014 at 1:10 pm

Hi Richard,

You may visit SSS website (www.sss.gov.ph) then go to Loans tab tapos select mo lang dun yung loan na iaavail mo. Merong Personal Loan, Housing Loan at Business Loan na pwedeng i-avail. Andun din sa site kung ano ang requirements.


Nana July 31, 2014 at 11:01 pm

Good day!

Magtatanung lang kung tama ba yung ginawa ng previous employer ko about sa SSS loan ko. Nagapply ako ng loan last year sa 1st company ko pero since biglaan yung pagresign ko at dumating yung cheque nung paalis na ako hindi nabayaran ng 1st company ko yung loan ng monthly. Tapos nagkawork ulit ako 2nd company na pero hindi ko naideclare na may loan ako kaya walang nababawas montly then after few months nagresign ulit ako. Ngayon may bago na akong work at binabayaran na ng bago kong work yung niloan ko pero nung kinuha ko yung back pay ko sa 2nd company binawasan nila ako ng lump sum na 16k+ para daw sa SSS loan ko. Ano ang gagawin ko sa nangyayari ngayon?

Thank you po sa response.


Elvin August 4, 2014 at 8:23 am

Hi Nana,

I think yung ginawa ng second company mo is just right. However, you should tell your current employer na binawasan ka ng previous employer mo at hindi ka na dapat kaltasan pa.

Posible kasi na dahil hindi mo nadeclare na meron kang previous loan sa SSS, late nakita ng second employer mo ang loan mo sa SSS. At dahil nakapagresign ka na agad, hindi na mahahabol ng second employer mo ang pagkaltas sa sweldo mo kaya sa back pay na lang nila ibinawas. Ang pagdedeclare kasi ay responsibility ni employee.

If you think na sobra ang kinaltas nila, pwede naman ibalik ng SSS yun. You just have to request it sa SSS.

Here’s a link for your reference.


Joyce August 4, 2014 at 2:24 pm


This is my situation: I was employed March 2014 and I already have PhilHealth, SSS and Pag-ibig already with my previous employer. However, pagcheck ko sa PhilHealth last month, hindi pa updated ang Employer details ko sa MDR. Self-employed pa ako and single sa details ko sa MDR even though I already submitted “for updating” form and necessary docs (marriage cert,etc) pagsubmit ng pre-employment requirements. Kailangan ko kasi sana makita na updated MDR kasi I am due to give birth next month. As per my employer, hindi pa daw kasi naproprocess ng PhilHealth ang mga sinubmit nilang requirements ko kasi by bulk daw sila magsend (which is way too late in my opinion). My question is, pwede ba ako magpadependent sa PhilHealth ng asawa ko muna since malapit na ako manganak? And also, kakapa-opera pa lang niya last month, nagamit niya din ang PhilHealth niya, pwede kaya mgamit niya uli yun for me next month if allowed ako maging dependent niya?

Thank you.


Elvin August 4, 2014 at 3:57 pm

Hi Joyce,

Sabi ng HR namin, mukhang hindi mo magagamit ang PhilHealth ng husband mo for your maternity dahil may 90 days limit ang pagclaim sa PhilHealth. This means that if last month huling nagamit ang PhilHealth, you have to wait three months bago makapagclaim ulit. You can verify this with PhilHealth.

As for becoming a dependent by your husband, you’ll just have to submit marriage certificate when filing a claim. It happened to me when my wife got hospitalized last year. Hindi updated ang MDR ko at wala akong dependent. When I filed for a claim, nagsubmit ako ng marriage certificate. Wala naman naging issue.


Joyce August 4, 2014 at 5:17 pm

Thanks for the quick response. I also tried calling the PhilHealth hotline and the rep who answered was really nice in answering my queries.

I have another question, ano iyong sinasabi ng Pag-ibig rep noong pagtawag ko na sa SSS daw hinuhulog ng employer ko ang Pag-ibig contributions ko kasi hindi din updated Pag-ibig number ko with my new employer? And also with my co-worker’s case na iyong contributions niya sa PhilHealth ay baka sa SSS din daw hinuhulog ng employer namin since wala pa siya PhilHealth Identification Number, just last Friday lang nagenerate.

Thank you again!


Elvin August 4, 2014 at 10:32 pm

Hi Joyce,

I’m glad na naging maayos ang conversation mo sa PhilHealth rep.

As for your other question, I found it weird. I don’t have an idea na naghuhulog ang employer ng Pag-IBIG contributions sa SSS. I’ll do some research on it.


Joyce August 5, 2014 at 10:40 am

Hi Elvin,

Regarding pala sa PhilHealth uli, ang pakakaintindi ko kasi sa nabasa ko sa PhilHealth site, hindi pwedeng gamitin uli PhilHealth within 90 days ng same person with same illness. Pwede patulong to clarify?

Regarding my second question, yes, even I found it weird pero ganun ang sinagot ng Pag-ibig rep saakin as well as sa co-worker ko. Sabi ng PhilHealth rep na nakausap niya, check with our local PhilHealth office to see if yung contributions ng employer namin ay through SSS since wala pa siya PhilHealth number before.


Elvin August 6, 2014 at 2:52 pm

Hi Joyce,

I asked a PhilHealth representative yesterday and here’s their answer:

We wish to inform you regarding our policy on Single Period of Confinement (SPC). SPC refers to a confinement or series of confinements for the same illness with intervals of not more than 90 days. In such cases, members are not entitled to another set of benefits/allowances until after 90 days. They can only avail of the unused portion of the benefits and room and board allowance until the 45 days allowance is exhausted.

However, members can avail themselves of a new set of benefits if succeeding confinements within the 90-day period are of different illnesses or conditions.

I also get in touch with another HR friend about your query. Sabi nya na it would be best to fix your PhilHealth kasi possible kang makasuhan ng fraud once nag-update na ang data mo sa PhilHealth at nakapagclaim ka na from your husband’s PhilHealth. Hindi kasi ikaw pwedeng ideclare as dependent since you’re currently employed and entitled to PhilHealth benefits.


aires August 5, 2014 at 8:22 pm

Ask ko lang po about sa philhealth… Kppnganak k lng po last july, normal delivery then snby n rin po ligation process…nung ngbyd npo ng bill sbi ng clerk dun 5k lng daw po covered nng philhealth for normal delivery kya 5k lng nbwas sa bill..
Ask ko lng po kung walang additional na icocover ang philhealth dun sa bill since nagpa opera nmn po ako…thank you.


Elvin August 9, 2014 at 5:03 pm

Hi Aires,

You have to verify this with PhilHealth baka kasi hindi covered ng PhilHealth ang ligation procedure.


Marty August 9, 2014 at 3:16 pm

Good day po Sir Elvin! Ask ko lang po..I am an active pag-ibig member for 6 years at nagMulti-Purpose Loan po ako twice. Umalis po ako ng work ko ng May 2007. Yung collection period po ng 1st loan ko ay from May 2005 to Apil 2007. Yung collection period naman po ng 2nd loan ko ay from May 2007 to April 2009 with previous loan balance dun s 1st loan ko. Since May 2007 up to now ay wala na po akong work. Ano na po kaya ang nangyari sa loan ko po. Chineck ko po kasi online yung short term loan ko, i clicked VIEW FILED STL STATUS then ang nakalagay po ay NO APPLICATION TO VIEW. Ibig sabihin po b nun ay nabayaran na po yung loan ko because of my previous contributions?


Elvin August 9, 2014 at 4:55 pm

Hi Marty,

Mas mabuting pumunta sa Pag-IBIG office to check kung bayad na ba talaga ang multipurpose loan mo. Most of the time kasi ay hindi updated ang online system ng mga government agencies na ito.


Marty August 9, 2014 at 5:15 pm

Salamat po Sir Elvin! God bless you. B)


JO ANN August 13, 2014 at 11:21 am

question lang, if you are in maternity leave for 3 months, dapat ba 3 months din hindi magbabayad ng contribution sa pag ibig? di ba my share ang company sa bawat contribution(monthly)? so if on leave ang employee they should have paid for the employees contibutions monthly then deduct after resuming of work.tama ba? or can i update my contribution and pay for the last 3 months na on maternity leave ako.


Elvin August 14, 2014 at 1:25 pm

Hi Jo Ann,

It depends on the employer. There are employers who still give salaries to their employees even on maternity leave, others don’t. Employers are not obliged to pay the employee during this time. Better ask Pag-IBIG or your HR about this.


Jenevie August 13, 2014 at 5:55 pm

Inquire ko lang if pwede ko poh continue yung 1 month na walang hulog sa philhealth.. like end of contract on June and nag ka work ng month August.



Elvin August 14, 2014 at 1:27 pm

Hi Jenevie,

Pwede naman. Hassle din kasi magpalit ng status from employed to self employed to employed ulit.


aires August 14, 2014 at 3:08 am

Thanx po sa reply sir elvin..may additional question pa po ako..nagbigay n po kc ako ng resignation letter sa employer pgktapos po ng maternity leave ko last aug. 7, kaso po ngaun balak ko sana magloan sa sss… Pano ko po xa maififile..since ngrender n po ako ng resignation?


Elvin August 14, 2014 at 1:29 pm

Hi Aires,

I think mahihirapan ka to get SSS Loan. Mas madali kasi ang process ng loan application if employed ka. Better ask SSS directly for your situation.


goldie August 17, 2014 at 8:58 am

yun previous employer ko hind nireremit yung mga sss, pag-ibig at philhealth namin for more than 8 years and I’ve been in the company for 11 years at yung mga ibang taon e bingi-bungi pa. ano po magandang gawin ko? sobrang need ko mabawi yun. please help me. need some advise. thanks.


Elvin August 17, 2014 at 11:25 am

Hi Goldie,

Paano mo nalaman na hindi nareremit ng company mo ang SSS, PhilHealth at Pag-IBIG? If galing mismo ang info na ito sa government agencies na ito, pwede mong ireklamo sa DOLE ang karapatan nyo.


goldie August 17, 2014 at 2:02 pm

2 years ago nalaman ko na and aminado nman ang company. hindi lang ako nareklamo kc sabi nila aayusin daw. and until nag resign ako, ang sabi lang is aayusin. pero gusto ko makasigurado. and humingi na ako ng copy of contri ko sa sss, pagibig and philhealth at makikita din mismo dun. hindi ko lang talaga pano ko sisimulan ang pag aayos nitong problema ko.


Elvin August 18, 2014 at 9:27 am

Hi Goldie,

You can start by reporting it sa SSS. Just tell them what happened to you. Be sure to have a copy of your payslips, company ID and other employment documents.


Marie Bautista August 18, 2014 at 2:18 am

Ask ko lang po hindi ko po nabayaran yung 2nd quarter ko sa philhealth which is (april-june) as individual payer . Pede po pa po ba sya bayaran ngayon?

Thankyou and Godbless!


Elvin August 18, 2014 at 9:28 am

Hi Marie,

Sa pagkakaalam ko po ay hindi na. Tapos na po kasi ang last day ng June but you can try by visiting PhilHealth office.


Let August 19, 2014 at 12:07 pm


I would like to ask how is the process for underpayment? I was hired last June 2014. And I should have started my government remittance contribution for July. However, our staff failed to include me. How will be the process for underpayment?



Elvin August 19, 2014 at 12:22 pm

Hi Let,

If I am not mistaken, it is the responsibility of the employer to remit the contribution on time. In case they missed it, they should pay it plus the corresponding penalty. You may refer to Che L.’s comment on this post. :)


Let August 19, 2014 at 5:27 pm


I understand that it is the employer’s responsibility. However, I’m the HR here and I’ll be the one in charge or processing the government remittances that is why I’m asking. =)

Thanks again!


Elvin August 20, 2014 at 12:38 pm

Hi Let,

If that’s the case, I think it would be best to visit these government agencies to ask them directly about their process.


Celine August 20, 2014 at 3:50 pm

Hi there! May tanung lang po ako. I have a philhealth number before and I am categorized as a voluntary member. Now I am soon to be employed and I am curious if I can use that number already or do I need to convert it? Can I just use it and give it to my employer? Thanks a lot!


Elvin August 21, 2014 at 3:15 pm

Hi Celine,

You can use your existing PhilHealth number. Your employer will update your status from a voluntary member to employed.


belle August 21, 2014 at 2:59 am

hi..finally someone like you i could ask..always busy and unavailable hotline ng SSS..so frustrating..anyways i would just like to ask po if i can update my civil status to married online kahit di na ko active member? i worked for 5yrs lang then i resigned last year January..i dont know if pwde mag-update ng status including BIR and Pagibig kahit di na active..


Elvin August 21, 2014 at 3:13 pm

Hi Belle,

You should visit an SSS office near you to change status. Same goes for Pag-IBIG and PhilHealth. For BIR, I am not sure.


Faye August 22, 2014 at 4:45 pm

Good afternoon po!
Ako ay di active member ng SSS, paano po ba ang dapat gawin pra maka avail ako ng loan sa SSS. Ano po ba ang mga loan dito? Thank you po in advance sa inyong mga kasagutan!


Elvin August 25, 2014 at 12:23 am

Hi Faye,

Kailangan mong maging active na member bago makapagloan. Para maging active, kailangan mong pumunta sa SSS para makapagbigay ng iyong contribution. Ang loans kasi sa SSS ay maari lamang ma-avail ng mga active na members. Para sa mga loans, pwede mong puntahan ang website ng SSS (sss.gov.ph). Andun din lahat ng mga requirements.


Jasmin August 23, 2014 at 7:05 pm

Goodevening po. Kaka-accomplished ko lang po ng pag ibig online registration form ko noong last friday night, August 22. Tanong ko lang po sana kung paano ko mapapalitan yung memeber category ko. ang nailagay ko po kasi ay unemployed pero employed in private po sana.
Thank you.


Elvin August 26, 2014 at 10:15 am

Hi Jasmin,

You may visit https://www.pagibigfundservices.com/ then select the option Update Registration Information using the Pag-IBIG Membership ID (MID) Number. Enter your details on the next page then that’s it.


ralph August 27, 2014 at 4:41 pm

Hi po..ask ko lang po sa sss, gusto ko po idowngrade yung contribution ko from max. contribution to 500+ pesos na lang po kasi hindi ko na mabayaran yung ganoong halaga at gusto ko parin po macontinue yung sss contribution ko..


Elvin August 28, 2014 at 3:43 pm

Hi Ralph,

The SSS contribution is based on your salary. So hindi basta basta nakakapagdowngrade ng contribution. You may visit SSS office for clarification.


tan August 28, 2014 at 9:32 am

Nagresign me sa work ko last april. just wanna ask kung pwede na ba ko mag loan if babayaran ko yung hindi ko nahulugan from may to september? kc i beleieve by september ako makakapagloan kc 36 contribution na sya by that time if im sill working. thanks


Elvin August 28, 2014 at 3:45 pm

Hi Tan,

Sa pagkakaalam ko, SSS does not accept back payments. You may verify this by going to SSS office.


tan August 28, 2014 at 5:08 pm

Ah ganun ba thanks po. great site very helpful


jp August 30, 2014 at 7:58 pm

Hello po, question about philhealth contribution. One year na kasi ko di nagcontribute. Puwede ba icontinue ko magbayad ng philhealth contributions as voluntary? Voluntary na din yun status ko noon pa.Puwede ko ba bayaran agad sa sm or bayad centers? Or dapat pumunta ko philhealth muna kasu one year na ko di nagcontribute.salamat sa pagsagot po


Elvin August 31, 2014 at 11:53 am

Hi JP,

Mas magandang pumunta ka sa office ng PhilHealth to pay for your contributions. Although, hindi ko lang sure kung tumatanggap ang SM or bayad centers ng contributions from inactive accounts. Kung mas malapit ang SM or Bayad Center sa iyo, you can try it, then let us know what happen. :)


Leny September 3, 2014 at 2:47 pm

Hello po, just browsing through kabuhayan swak na Swak and I come across the Youtube of On the Money program by Edric Mendoza Pag-ibig fund, SSS and Philhealth. must admit it caught my attention.

Just wondering if a former Filipino leaving abroad and has dual citizen can apply for Pag-ibig Fund or both. I really want to know because I am interested to join Pag-ibig Fund so in the future I might need to get some loan to build a house on my land in the philippines. Hoping to get immediate response and please include too what documents I need to join and who can i contact? Thank you so much.
Kind regards.


Elvin September 11, 2014 at 3:39 pm

Hi Leny,

I think you can apply for a Pag-IBIG as OFW member (although I am not sure). It would be best to visit PH embassy in your country to ask how you can apply.


Ashee September 10, 2014 at 3:10 pm

Hi !

I would like to ask lang kasi medyo naguguluhan pa po ako.
Im currently unemployed and at kakagraduate lang, wala pa po akong trabaho since then pero dahil lahat ng work kailangan ng SSS, PHILHEALTH AT PAG IBIG gusto ko pong kumuha, ang question ko lang is. Pwede po ba akong kumuha kahit unemployed ako? Para pagdating ng pagkakataon na hanapan ako ng employer ko e meron na ako…



Elvin September 10, 2014 at 7:09 pm

Hi Ashee,

How long would you think na magiging unemployed ka? Dun nakasalalay kung maganda bang kumuha ka na ng SSS, PhilHealth and Pag-IBIG. If sa tingin mo matagal kang magiging unemployed, kuha ka – yun nga lang you need to deposit your contributions regularly. Kung tingin mo naman ay makakakuha ka na ng work within the next 6 months, wag muna. Hayaan mo na na pakuhanin ka ni employer.


Ashee September 10, 2014 at 10:12 pm

Di naman po mahirap kumuha kung sakali, di ba? So if ever na tingin ko magkakatrabaho na ko thats what I should do? Okay, po.



Elvin September 11, 2014 at 7:44 am

Hi Ashee,

Hindi naman. Kadalasan nga employer pa ang nagaasikaso nun for their employees.


Ashee September 11, 2014 at 11:10 am

Ok salamat po !

New question ! Haha.
Magkaiba po ba yung sss number lang sa id? I mean, if mag aapply ka for sss magkaiba pa po ba yun sa id?


Elvin September 11, 2014 at 3:36 pm

Hi Ashee,

What do you mean magkaiba? Unified ID ba yung ibig mong sabihin?


Ashee September 12, 2014 at 9:44 am

Siguro? May nabasa po kasi ako somewhere na magkaiba daw yun and di ko gets…


ROEL September 13, 2014 at 12:29 pm

Hi po, ask ko lang kung paano po kung yun magpepension ay deceased na, sabi po kasi sa amin ng SSS, ipapasa daw po yun sa asawa at sa kapatid namin na wala pang 21 yrs old. Ang kinakatakot ko po kasi is yun asawa ng kapatid ko na syang nagaayos nun pension ay gusto i-lump sum lahat. Ang gusto po kasi namin mangyari ay monthly pension na lang. Ang tanong ko po is meron po bang option na ganun sa SSS na i-lump sum lahat ng pension?


Elvin September 13, 2014 at 2:13 pm

Hi Roel,

Base sa website ng SSS, ang monthly pension ay makukuha kung ang member ay nakapagcontribute ng 36 months before his semester of death. Lump sum ang makukuha kung less than 36 months.


ROEL September 13, 2014 at 2:33 pm

Thank you Sir Elvin,
Paano po kung lagpas ng 36 months, kaya po bang i-lump sum lahat yun?


Elvin September 16, 2014 at 1:31 pm

Hi Roel,

I think it would be best to ask SSS directly.


Mustard September 17, 2014 at 10:42 am

Hi Sir Elvin, nice site.. super helpful.. i have question po, ahm nagrerequest po aQ dun sa employer nmin if i could have higher deduction sa SSS/PHIC even if beyond po un sa salary bracket Q.. Okay lang po ba yun since nag-agree nman ung employer Q as long as okay daw sa SSS/PHIC? thank you so much! (;


Elvin September 17, 2014 at 10:55 am

Hi Mustard,

I think your employer would not allow you to increase your SSS and PhilHealth contributions. Based kasi yun sa salary mo and meron din kasi silang share. Increasing your contributions would also mean increasing their (your employer’s) contribution.

Thanks for appreciating our site, by the way. :)


Tet September 17, 2014 at 11:03 am

Thank you so much for immediate response. But if happens that they agreed, is it okay to deduct higher amount? Since this would be part of the benefits anyway. (; Love to hear your thoughts.. God Bless. (;


Elvin September 17, 2014 at 12:08 pm

Hi Tet,

You have to make SSS and PhilHealth agree too because they’re the ones who will be receiving your hard earned money.

Your employer might agree to deduct SSS and PhilHealth contribution but may have issues in remitting them because there’s a specific amount which is tied up with the basic salary.

What I’m saying is, better ask SSS and PhilHealth. As far as I know they will not allow it on their end.

By the way, are you Mustard too? :)


Tet September 17, 2014 at 12:44 pm

Yes.. Sorry for the confusion.. I will do your advice. Thanks for sharing your thoughts! Great Help! (;


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