Can I Contribute Less Than ₱1,000 to SSS?
Contents
About This Guide
This guide is based on current procedures and requirements. For the most accurate and up-to-date information, always refer to official sources
References & Further Reading
For the most accurate and up-to-date information, always refer to official sources:
Short answer: usually no - you can't just pick any low amount. SSS contributions are set by membership type and the official contribution table. Whether your monthly due is under ₱1,000 depends on your declared monthly salary credit (MSC) and your membership status (employed, self‑employed, voluntary).
Quick checklist (what you need to check)
- Your membership type (employed, self‑employed, voluntary, OFW)
- Your SSS number and My.SSS account
- The current SSS Contribution Table (official MSC brackets)
- Proof of declared income (if self‑employed/voluntary)
- Available payment channel (SSS branch, partner banks, e‑pay)
Step‑by‑step: How to find out if you can pay less than ₱1,000
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Know your membership type
- Employed: employer and employee shares are determined from your salary; you don't set a lower amount yourself.
- Self‑employed / voluntary / OFW: you declare your monthly earnings and pay based on the MSC bracket you fall into.
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Check the current SSS Contribution Table
- Go to the SSS website (sss.gov.ph) or log in to My.SSS and open the contribution table. This shows MSC ranges and exact monthly contributions. The amount due is taken from the table, not an arbitrary number.
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Calculate your due
- For employed members, your employer usually computes and remits the correct share.
- For self‑employed/voluntary members, find the MSC that matches your declared income, then use the table to see the contribution. If that table value is below ₱1,000, then yes - it can be less. If the table value is more, you cannot pay less.
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Confirm with My.SSS or an SSS branch
- Use My.SSS to view contributions due or visit an SSS branch to verify before paying.
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Pay through accredited channels
- Pay at SSS branches, authorized banks, payroll, or online partners (GCash, PayMaya, banks) as listed on the SSS site. Keep your receipt.
Important points and common questions
- You cannot underreport income to intentionally lower your contribution - penalties and loss of benefits can result.
- Partial payments for a month are generally not accepted; you must pay the full monthly contribution as listed.
- If you can't afford current contributions, contact SSS to discuss options or settle arrears. You can usually pay arrears month by month but each month's full contribution must be covered.
- Use My.SSS for quick checks: it shows exact amounts due and payment history.
If you find your required contribution is over ₱1,000
- Consider spreading arrears (if any) by paying one month at a time.
- Check if you qualify for any exemptions or special programs (rare); SSS announcements or advisories on their website cover changes.
Want the fastest answer? Log in to My.SSS or call the SSS hotline listed on sss.gov.ph - they'll confirm the exact monthly amount you must pay.
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