What Happens When Your SSS Contribution is Deducted?
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Understand what SSS deductions mean for your pay, benefits, and next steps.
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:
If you see an SSS deduction on your payslip in the Philippines, it's normal - but what exactly happens next? Here's a short, practical guide so you know how deductions affect your pay, your SSS account, and your benefits.
Quick overview
- SSS contributions are the employee portion withheld from your salary (plus the employer share) and remitted to SSS.
- Deductions reduce your take-home pay but build your eligibility for SSS benefits (sickness, maternity, retirement, disability, death, loans).
- You should confirm the deduction appears on your payslip and later on your SSS contribution record.
Step-by-step: What happens after deduction
- Employer withholds the employee share from your salary.
- Employer combines employee and employer shares and remits payment to SSS.
- SSS posts the remittance to the employer's and members' accounts (may take several working days).
- Your contributions appear on your My.SSS contribution history - this is the official record for benefits eligibility and loan qualification.
- If remittance is missing or delayed, your credited contributions won't update and could affect benefits or loan payments.
How deductions affect you
- Take-home pay: The employee share reduces your net salary on that payroll period.
- Benefits eligibility: Only posted/credited contributions count toward maternity, sickness, retirement, disability, death, funeral, and loan qualification.
- Loans: If you have an authorized SSS loan (salary loan), monthly amortizations may also be deducted from salary.
- Employer accountability: Employers are responsible for remitting the combined amount on time. Failure to remit can lead to penalties and gaps in your credited contributions.
How to verify the deduction
- Check your payslip for the SSS line item and the amount withheld.
- Log in to My.SSS (https://www.sss.gov.ph) and check your Contribution History.
- Ask HR/payroll for the employer's Monthly Remittance Report or proof of payment if contributions aren't posted.
- If employer won't cooperate or remittance is missing, report to SSS through the member inquiry or the SSS hotline/contact channels.
What to do if the deduction is wrong or not posted
- Talk to HR/payroll immediately - sometimes it's a clerical error.
- Request proof of employer remittance (Employer's List of Employees and payment receipts).
- If unresolved, file a complaint with SSS (online enquiry or branch visit) and keep copies of payslips and communications.
- For persistent employer non-compliance, DOLE and SSS have complaint channels for statutory deduction issues.
Checklist: What to prepare when checking or disputing SSS deductions
- Payslips showing the SSS deduction
- Your SSS number (UMID)
- My.SSS registration (or screenshot of contribution history)
- Employer payroll/remittance receipt (if available)
- Dates and records of communications with employer/HR
Fast tips to keep your SSS record clean
- Register and regularly check your My.SSS account.
- Keep payslips and pay attention to monthly deductions.
- If you're self-employed or voluntary, pay directly to SSS and save receipts.
- When changing employers, ensure previous employer remitted all contributions before leaving.
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