Paying your Social Security System (SSS) contribution is essential if you are an employer, self-employed, an overseas Filipino worker (OFW), or a private employee. With the evolution of digital platforms, the process has become easier through SSS online payment options.
This guide will walk you through the SSS contribution rates, eligibility criteria, and the step-by-step process of generating a Payment Reference Number (PRN) for loan payments.
What is SSS?
The Social Security System (SSS) in the Philippines is a government-run social insurance program that provides financial assistance to its members. Benefits include:
- Retirement Benefits – Monthly pension or lump sum for retirees.
- Disability Benefits – Financial aid for members with disabilities.
- Maternity Benefits – Support for female members during pregnancy and childbirth.
- Sickness Benefits – Compensation for temporary inability to work due to illness.
- Death and Funeral Benefits – Assistance to the beneficiaries of deceased members.
All members are assigned a unique Social Security Account Number (SSAN) to track contributions and benefits.
How Much is the SSS Contribution in 2025?
Starting January 2025, the SSS contribution rate will increase from 14% to 15%. Here’s a breakdown of the contribution structure:
SSS Contribution Rates for 2025
| Category | Employee Share | Employer Share | Total Contribution |
|---|---|---|---|
| Employees | 4.5% | 9.5% | 14% |
| Self-Employed | – | 14% | 14% |
| Non-Working Spouses | – | 14% | 14% |
| OFWs | – | 14% | 14% |
- Salary Credit Range: PHP 4,000 – PHP 30,000 per month.
- Minimum Requirement for Loan Eligibility: 36 months of contributions.
For employed individuals, the employer deducts the contribution automatically and remits it to SSS.
Read More: ₱2200 Monthly Pension in the Philippines: Eligibility and Payment Updates
Who is Eligible for SSS Contributions?
To be eligible for SSS, individuals must meet the following criteria:
- Private Employees – Employers must register employees and remit their contributions.
- Self-Employed Individuals – Must register and pay contributions independently.
- Overseas Filipino Workers (OFWs) – Required to contribute while working abroad.
- Non-Working Spouses – Can register as voluntary members if their spouse is an active member.
- Voluntary Members – Former SSS members who wish to continue their contributions.
For retirement benefits, members must:
- Be 65 years old (or 60 years old for optional retirement).
- Have made at least 120 contributions before retirement.
How to Generate a PRN for SSS Loan Payments?
To make an SSS loan payment, members need a Payment Reference Number (PRN), which can be generated online, via SMS, or through other methods.
Online PRN Generation
- Log in to your My.SSS account on the SSS official website.
- Navigate to the PRN page.
- Enter the required details, such as contribution month and payment amount.
- Click ‘Generate PRN’ to obtain your unique PRN.
Generating PRN via SMS
- Compose a text message in this format:
- SSS PRN
- Send it to the official SSS PRN hotline.
- Receive an SMS confirmation with your PRN.
Other PRN Generation Methods
- Email Request – Send an email to SSS customer service with your details.
- Call SSS Hotline – Provide your information and request a PRN.
Once you have the PRN, you can proceed with your SSS loan payment online or at accredited payment centers.
Read More: Claim ₱20,000-₱60,000 Funeral Benefits in the Philippines: Step-by-Step Guide
Final Thoughts
SSS contributions are crucial for securing financial benefits in the future. With the 2025 contribution rate increase and online payment options, members can easily stay compliant. Generating a PRN is now more convenient, ensuring hassle-free payments.
For the latest updates, visit the SSS official website or contact their customer service.
FAQs
1. How can I check my SSS contribution online?
You can check your SSS contributions by logging into your My.SSS account on the official SSS website. Once logged in, navigate to the “Inquiry” section and select “Contributions” to view your payment history.
2. What happens if I miss an SSS contribution payment?
If you miss an SSS contribution, you can pay it as a voluntary member. However, missed contributions may affect your eligibility for benefits such as loans and retirement pensions. It’s advisable to stay updated on your payments to avoid penalties.
3. Can I pay my SSS contributions through GCash or online banking?
Yes, SSS contributions can be paid through GCash, online banking, and other accredited payment channels such as PayMaya, Bayad Center, and banks partnered with SSS. Ensure that you generate a PRN before making payments.
4. How long does it take for an SSS payment to reflect in my account?
Payments usually reflect within 24 to 48 hours after the transaction. If your payment does not appear within this period, you can contact SSS customer service with your transaction details for verification.
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