Continuing SSS Membership Contributions for Overseas Filipinos

Continuing SSS Membership Contributions in the Philippines for Overseas Filipinos, Filipino Immigrants Abroad — Does It Make Financial Sense?

If you’re a Filipino who has become an immigrant or permanent resident abroad, does it make sense if you continue paying your SSS membership contributions in the Philippines as a Voluntary Member?

According to the SSS rules, you can get a lifetime pension if you’ve paid at least 10 years or 120 monthly premiums before your semester of retirement, which is either at age 60 when one has retired from work, or at age 65 when retirement is compulsory.

If the number of your monthly contributions is less than 120, you get a lump sum.

Now, if you’re a permanent resident or immigrant abroad, and you have less than 120 monthly contributions, does it make sense continuing as an SSS voluntary member and completing the required 120 monthly contributions?

On the other hand, if you already have at least 120 monthly contributions, does it make sense continuing as a voluntary member and increasing the number of monthly contributions in the hope that the monthly pension would become higher?

To get a better answer to the above questions, let’s see how SSS computes the retirement benefit or the monthly pension:

A.   For those who have paid less than 120 monthly contributions, the retirement benefit is a lump sum. The amount is equal to the total contributions paid by the member and by his/her employer plus interest.

B.   For those who have paid at least 120 monthly contributions, the monthly pension would be the highest of the following three computations:

1.  40 percent of the average monthly salary credit

2.  300 pesos
plus 20 percent of the average monthly salary credit
plus 2 percent of the average monthly salary credit for each credited year of service in
excess of 10 years

3.   1,200 pesos when the credited years of service is 10 or more but less than 20, or
2,000 pesos when the credited years of service is 20 or more

For formulas Nos. 1 and 2 of letter B, take note that it says average monthly salary credit. (The salary credits are seen in the SSS Contribution Schedule) If you continue as a voluntary member, can you maintain paying the high monthly contributions that you and your previous employers previously paid? Does the plus-2-percent add value if you increase your number of years in excess of 10?

The best answer really is for you to:

  • request for a copy of your SSS contributions (the SSS online inquiry can display only 20 years of contributions),
  • and then compute your retirement benefit according to the SSS formula using your actual contributions and salary credits,
  • and then compute using a projected or additional monthly contributions and salary credits,
  • and then compare.


Add a Comment
  1. Hi anna, yes, it’s okay. But if you like to have a bigger pension in your golden years, continue contributing — this will increase your number of credited years, which is part of the pension formula. But make sure that when you continue, pay the same or higher amount than your previous monthly contributions, not lower. A lower contribution will decrease your average salary credit. Another option is to save with Pag-ibig MP2 or SSS Flexi-Fund.

  2. how about immigrant pensioner?what they need to do in order for them to continue their pension because of the yearly acop?

  3. Ms. Nora, I have contributions through my employer in 2005 to 2006 (I supposed) and I want to continue it, is this okay?
    2nd, I’m here in another country as Permanent Resident and working. Which is better? pay as voluntary or Self-Employed? I plan to start a business in Pinas and I would just travel to and from Pinas. I read that it’s difficult to claim if voluntary payment and not self employed.
    3rd, when I return to Pinas, I’ll complete something I need as a doctor so I can work again in a hospital and it’s because of that most likely I’ll again have SSS, but will this be Employment based payment? can I revert? With possible scenarios, will these affect negatively my projected pension in the future?

  4. Hi, I am an sss member, i had 88 contributions as far as i know. Then i stopped working for years. Now i am about to go abroad to work in ksa as waiter. What should i do to convert my sss status for ofw? Where to pay the contribution abroad, and how much? My monthly salary is 17,000 php/mo. Does my agency can help about this? Hoping for your response.
    Thank you and have a good one.

  5. Hi lito, you can pay SSS through Skyfreight, IRemit and Ventaja partners in Saudi. But if you have time, open an account at a Bancnet-member bank so you can pay SSS online. After opening, enroll in online banking and activate it while here in the Phils. so you can check your account online abroad. The minimum contribution for OFWs is 550 pesos. Your salary is more than the highest SSS salary credit — you can choose from 550 to 1,760. If you pay your SSS abroad, SSS will automatically change your status to OFW. If through Bancnet, download this OW-1 form, fill it up, scan it, scan also 2 IDs, and email them to

  6. Hi Nora, I would like to ask how and where can I send SSS ACOP and what are the requirements as well like ID or authorization letter in order for my pension to continue? I am living in abroad and I have a little pension in SSS but I have never come back in our country ever since I left 2012. I just found out about the ACOP when I tried to research online that there is an implementation of yearly verification. And my pension was cut probably due to that ACOP requirements, knowing that you reply quickly than waiting for SSS to reply to my message, I took my chance living a comment in your blog thinking that you could find answers quickly for me.

  7. Hi Lyn, you can send your ACOP here to the email address devoted to overseas Filipinos: Write ACOP and your name as your Subject. Attach also a scan or photo of at least 2 valid photo IDs and a scan of any recent medical certificate or diagnostic report or medical consultation document. Yes, you send your ACOP yearly during your birthday month, or a week before your birthday month. In news sites, they mention only the ACOP form and at least 2 valid photo IDs, but in the ACOP form, it lists a medical document as required, so if you have, include it.

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