SSS Membership — Start with 110 Pesos for Your Family

Updated August 2014:

Are you earning money every month? At least 1,000 pesos every month? And you’re NOT YET an SSS MEMBER?

Be an SSS member. This is for you and your family.

In early 2011 in Makati, 10 construction workers fell to their death, and when their families were interviewed on TV, and the issue of benefits came up, they said their husbands did not have SSS.

If these workers had SSS, their wives and small children could have been helped by pensions. They could also have claimed funeral benefits.

You can be an SSS member if you are a farmer, fisherman, sari-sari store owner, direct seller of products, vendor, tricycle driver, jeepney driver, sales agent, etc.

Your category would be SELF-EMPLOYED because you don’t have an employer.


1.  Prepare your birth certificate (original and xerox), if you do not yet have an SSS no.

2.  Prepare at least one PROOF of source of income (original and xerox).

What are valid proofs of source of income?

– Notarized Affidavit of Source of Income
– Receipts of Sales Commissions
– Direct Marketing ID or certificate
– Business Permit
– PRC License
– DTI Registration
– Mayor’s Permit
– SEC Registration
– Franchise Permit as Transportation Operator, with Vehicle Registration Certificate
– Others

Be ready to answer questions about what you do to earn money. The SSS officers want to be sure you’re really earning money, and not just receiving money from someone else.

3.  Go to the SSS branch nearest your house or your work/business.

4.  If you don’t have yet your SSS no., fill-up E1 Form.

Submit your filled-up E1 form together with your birth or baptismal certificate (original and xerox).

5.  After getting your SSS no., fill up RS1 Form (Self-Employed Data Record), the form for Self-Employed applicants.

This is a sample RS1 SELF-EMPLOYED DATA RECORD form.

6.  Submit filled-up form. Answer questions, such as what do you do to earn money? How much?

7.  You will receive a stamped/approved copy of your RS1 form.

8.  After your RS1 form is approved and stamped by SSS, you can start paying your first SSS contribution. Use RS5 form.


The minimum SSS monthly contribution is 110 pesos. This is for those earning between 1,000 to 1,249.99 per month.
The next contributions are 165, 220, 275, 330, 385, and so on.

Here’s the new Table of SSS Contributions.

Do not worry that you cannot pay your contributions every month. Just do your best to contribute every month.

Become an SSS member. You and Your Family Will Benefit. 


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  1. Ms Nora, I am 52 years old male and presently working in a bpo company, last year I had a heart attack and now I still have hypertension and i am on medication for my coronary heart disease. Because of the nature the business of the bpo, we have different work schedules every week so we wake up at different times, adding to our stress, as sometimes we lack sleep due to the environment in the house. It’s made worse for someone like me with heart condition. Our company’s policy of prohibiting bathroom breaks — we cannot just go to relieve ourselves — I feel is giving me uncomfortable situation and pushing up my blood pressure. Lately I got absent but not consecutive. Lately my company is implementing a policy related to disciplinary measures for transgressions in which one is employee adherence aside from performance etc. For every transgressions, one earns demerit points up to 4 but you can earn it back if your status is perfect every month. if im not mistaken. in my case, I got absent for 2 days considered critical days so I earned 4 points which resulted in written warning. even if you submit a medical cert they dont honor it, you’re still absent, unless you’re confined in a hospital. Since I can’t be sure if I can work without getting abset due to my illness, I’ve been planning to resign this december. My sss contribution po has exceeded the required minimum sss contribution to be eligible for pension. My questions:
    1. If I’m no longer working, can I avail of the benefits while an inactive member.
    2. I’ll still have my sss loan balance until next year, what if I can no longer pay it as I no longer have a job and have made my health now more important
    3. I plan to go back to our province and sell whatever I can earn from. Can I be a voluntary member even if there’s no certain source of income.
    4. My retirement age is still years away, is there a way I can benefit from what I worked hard for? I am single and alone here in manila. I hope you can answer my questions and give me advice for my own good. Thanks a lot. I hope you don’t get tired of answering questions from your fellowmen. Sincerely, Julius H.

  2. Hi yu arerreh, you’re right that your health is more important. Have you tried looking for a job that’s less stressful than your BPO job? The advantage of having a job is your HMO, Philhealth, SSS and Pag-ibig. Living in the province is a good option only if you can be sure you can start a viable business there. You need capital, even for a very small business. But you can survive well in the province if you have a house, some land and if you know how to plant vegetables for your own consumption, or how to raise goats, chickens, pigs or cows. Actually, you can be healthier in the province if you enjoy living there, and you know how to use available resources. If you decide to resign, try your best to continue paying your SSS contributions as Voluntary so you can avail of sickness benefit or salary loan or partial disability, and to pay your Philhealth premiums for some coverage. About your SSS loan: if your company is complying with SSS rules, your total loan balance will be deducted in full from your last payment. If your company does not deduct, try to pay off your loan as Voluntary, as the interests and penalties will accumulate and will become bigger. Loan balances will be deducted from monthly pensions if unpaid. I hope you’re also reading about health foods that can help you heal. Pray always. I’ll get back if I have something more to add.

  3. How is it if previously I have an sss no. but I wasn’t able to contribute. What will happen? I wish to activate. What’s the process?

  4. Hi Sihayleen, the best way is to find a job, so your employer can report you to SSS, and your employer can remit your contributions. But if you want, you can start your small business (buy and sell, sarisari store, Avon, insurance, real estate, tricycle) then register as Self-Employed. Show proofs to SSS that you’re earning income. Fill up the RS1 form and have it approved, stamped and signed by SSS. After your RS1 form is approved, you can start contributing. Keep your RS1 form for future use.

  5. hi, is it possible for me and my spouse to register as self-employed, even if we don’t have tin? We’re both vendors/merchants at the wet market and were instructed to get a barangay certificate as proof of our business/source of income. thanks

  6. Hi Cesar, there’s a post I’ve written about PESO, comparing it to Pag-ibig’s MP2 savings program. This is about SSS PESO Fund. PESO requires that you have paid at least 6 consecutive months within the past 12 months, and if you’re Voluntary or Self-Employed or OFW, you’re required to pay the maximum regular SSS contribution (1,760 pesos), as you save with PESO. Minimum monthly PESO savings is 1,000 pesos. If employed, your regular SSS contribution need not be maximum; it will depend on your monthly income. To start with PESO, you need to register at these branches: Alabang, Diliman, Cubao, San Francisco Del Monte, Pasig-Shaw, Makati-Gil Puyat, Taguig, Pasay-Roxas Boulevard, Legarda. PESO will be offered at other branches later on.

  7. Hi Olga, in the SSS RS1 form, you need to write your TIN. You can now get your TIN online free of charge. It’s called eTIN. Just go here: . You will enter your: Last Name, First Name, Middle Name, Extension Name, Birth Date, Email, Civil Status, Gender. Make sure your email address is valid — this is where BIR will send your eTIN. I’m glad you’re registering with SSS.

  8. good day. last week po I was paying at SSS as voluntary member. I asked po how much should I pay monthly. I was told to pay how much I can — 220 or 330. so i decided 220 as it’s affordable. After that, I was told to pay at bayad center to pay for month of september. I was given a list for monthly contributions and I saw there’s an amount lower than 220. there’s 110 and 165. Can I pay 110 as my monthly contribution without going to SSS to update my account with SSS office? Direct payment to bayad center?

  9. Hi Chi, were you employed before? and your employer remitted your contributions to SSS? If yes, your status is Voluntary. Yes, you can change from 220 to 110 or 165 without going to SSS. You can directly pay at Bayad Center or SM Business Center. If not employed before, you should register as self-employed using an RS1 form and proof of source of income, like barangay certificate of source of income. After SSS approves your RS1 form, you can continue paying at Bayad Center/SM Business Center. You can also change from 220 to 110 or 165. When your income increases, it’s good to increase your contributions to increase your benefits.

  10. Dear Ate Noors, I am an OFW present working in Singapore, I just read about the SSS peso fund, it quite good and interesting, so during my last vacation in the Philippines, I tried to register as a member of this SSS peso fund, but when I talked to one of the desk staff inside the SSS office, he told me that SSS peso fund is not applicable to OFW, instead he offered me the SSS flexi fund. I just read in one of your previous topic, that OFW can also join this SSS peso fund? by the way I applied in Baliuag Bulacan Branch. Regards, Amira

  11. Hi Amira, the SSS officer should not have flatly said that the PESO is not available to OFWs. PESO has no restrictions on membership type. What the officer should have done is to explain to you that for OFWs, the Flexi-Fund is much better than the PESO fund. So now I suggest to you that the Flexi-Fund is a better choice for you as an OFW. This Flexi is available only to OFWs, so you are privileged. Why is Flexi-Fund better for you? It’s more flexible, meaning you can get your savings in partial or in full, and have the rest for later years. Flexi also earns more as aside from the regular dividends, there’s an annual incentive. Registration and payment is also simpler. While here in the Phils, you can file OW-1 form with your OEC or any proof you’re OFW. If already abroad, you can mail or email the OW1 form from abroad. Payment is done at the same time with the regular SSS. Pay for example 3000, and automatically, 1,760 will go to your regular SSS, and then 1,240 (3,000-1,760) will go to your Flexi. If you pay 5k, 3,240 will go to your Flexi. You can increase/decrease your payments, as long as your payment is at least 1,960 (1,760 + the 200 minimum Flexi payment). If you also want to save with PESO, just say you’re already a Flexi member, and you want the features of PESO. Just comment again if I missed some things. Some Flexi-Fund info

  12. Hi Ms. Nora, my husband is a construction worker but there are times that they have no project, meaning it is not regular, is he eligible for Self Employed? Previously he works as a riceman in one of the fastfood chain when he was single, does that mean he will continue as voluntary automatically?
    please enlighten us since we would like to continue the sss payments with the lowest amount(that is what we can afford).

  13. Hi Merille, was there a time that your husband’s employer reported him to SSS, and he had contributions remitted by this previous employer? If yes, then he can continue paying as Voluntary. But if he was never reported by an employer, he must register as Self-Employed using RS1 form and get approval before paying. If he is not sure, he should go to the nearest SSS with his ID and verify his status and previous contributions. He should ask if he has a Date of Coverage — this means he was reported to SSS correctly. If he needs to register as Self-Employed, he should bring some proof that he is earning money from construction as Independent Contractor, and not Employed. Proof can be payment of construction service.

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