What is SSS Philippines? A Comprehensive Guide
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:
A short, practical guide to the Social Security System (SSS) in the Philippines - what it covers, who must join, how contributions work, and how to register and claim benefits.
What is SSS?
The Social Security System (SSS) is the Philippines' government-run social insurance program for private-sector employees, self-employed individuals, voluntary members, overseas Filipino workers (OFWs), and household employers. SSS provides income protection through benefits like sickness, maternity, disability, retirement, death, funeral, and loan programs.
Key benefits at a glance
- Sickness and medical-related cash benefits
- Maternity benefits
- Disability and permanent disability pensions
- Retirement pension or lump-sum
- Death and funeral benefits
- Short-term loans (e.g., salary loan) and calamity assistance
For exact eligibility and benefit computation, check the SSS website or My.SSS portal.
Who must be a member?
- Private sector employees: coverage is mandatory and handled by your employer.
- Self-employed, voluntary, and non-working spouses: can register voluntarily.
- OFWs: can register under the SSS OFW category.
- Household employers: required to register and remit contributions for household helpers.
How contributions work
Contributions are shared between employer and employee for employed members; self-employed/voluntary/OFWs pay full contribution themselves. Contribution amounts change periodically - use the official SSS contribution table on sss.gov.ph or the My.SSS calculator to know exact monthly rates and computation.
How to register: quick steps
Employed
- Employer usually registers you and secures your SSS Number (SSS No.).
- If you don't have an SSS No., ask HR to process your registration with SSS.
Self-employed / Voluntary Members
- Prepare IDs and required civil documents (see checklist below).
- Create a My.SSS account online or register at a local SSS branch.
- Pay initial contributions as required.
OFWs
- Register online via My.SSS or at the nearest SSS branch before departure.
- Use passport and employment contract as supporting documents.
Household Employers
- Register as an employer and register the household helper as a member.
- Remit monthly contributions and keep records.
How to check contributions and file claims
- Register and log in to My.SSS.
- View your Contributions, Loan Status, and Benefit Claims.
- Many benefits and loans can be applied for online; some claims still require branch submission or additional documents.
Checklist - Requirements to register (typical)
- At least one valid government-issued ID (e.g., UMID, passport, driver's license)
- PSA-certified birth certificate (if SS number not yet issued)
- Passport and employment contract (for OFWs)
- Employer details (for employed members)
- Active email address and mobile number (for My.SSS) Note: Exact documents may vary by membership type. Confirm on sss.gov.ph or with your local branch.
Quick tips
- Create a My.SSS account even if your employer handles contributions - you can track records and apply for benefits faster.
- Keep proof of payment (receipts, transaction references) for contributions.
- For loan applications and benefit claims, read the SSS checklist on the official site to avoid delays.
Where to get help
- Official SSS website: https://www.sss.gov.ph
- Visit your nearest SSS branch for in-person assistance (branch locator on the official site)
This guide gives you the essentials to start with SSS Philippines: how to join, what benefits exist, and how to manage contributions and claims. For the latest rules, contribution rates, and detailed forms, always refer to the SSS official site.
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