SSS Payment Deadlines for SSS Contributions and Loans

Updated Feb 2013:

Here are the new SSS payment deadlines for contributions and salary loans:

SSS Payment Deadlines for Voluntary and Self-Employed Members

Your payment deadline for a particular month or quarter is the 10th,
15th, 20th, 25th or last day of the following month, depending on the last digit of your
SSS no.

If the last digit of your SSS no. is:

1 or 2 — your deadline is the 10th day of the following month
3 or 4 15th day of the following month
5 or 6 20th day of the following month
7 or 8 25th day of the following month
9 or 0 — last day of the following month

For example, your SSS no. is 08-7878780-5, your last digit is 5, so your payment deadline is the 20th day of the following month.

If you’re paying for the month of June, your deadline is July 20.
If you want to pay for the 1st quarter (Jan, Feb, Mar), your deadline is April 20.
If you’re paying for the 2nd quarter (April, May, June), your deadline is July 20.

If the payment deadline falls on a holiday, Sunday or Saturday, you can still pay on the next working day, but not later.

SSS Form for Paying

Use the SSS RS-5 form — Contributions Payment Return. You can ask for this form at any SSS branch. You can pay over-the-counter at SSS cashier counters, Bayad Centers, SM Business Centers and accredited banks. Most of the time, there are RS5 forms available at Bayad Centers and SM Business Centers.

Payment Deadlines for OFWs

If you’re an OFW, you’re special. You have extended deadlines.

Anytime from January to December of the current year, you can pay for any month or months of the current year.

For example, we’re in the month of June, and you want to pay for the months of Jan to June, you can.

Another example: if it’s already September, and you have not paid for the months of Jan to June, you can still pay these months.

For the months of October, November and December (4th quarter): you can still pay these months until January 31 of the following year.

Note about using retroactive payments for benefit claims:

You CANNOT use retroactive payments for sickness, disability or maternity benefits if these events already occurred BEFORE YOU PAID.

Example: You gave birth in November. You learned that as an OFW, you can still pay for January to June, so you pay for these months to be able to file a maternity claim. This is not allowed. Your payments will be posted, but you will not be eligible for maternity benefit.

But if you paid January to June BEFORE you gave birth, you are qualified for maternity claim, even if you paid retroactively, as long as you paid BEFORE giving birth.

Source:
SSS Circular No. 32-P, signed by SSS President and CEO Corazon S. De La Paz, Nov 15, 2006:

…No contribution paid retroactively shall be used in the computation of any benefit arising from a contingency that preceded the date of payment of the retroactive contribution…

SSS Educational Loan, College and Vocational, 2012

Chart of SSS Contributions

298 Comments

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  1. Hello mam nora,
    Just wanna ask if i can still avail of my sss benefit.i have paid my sss contribution for almost 3 years but then i have resigned last april 2013 then i did not continue to pay for my sss contribution for almost 1 year. I gave birth via CS on january 2014. Tanung ko po if i can still aply for my maternity sss benefit kahit sobrang late due to some personal reason.

  2. Hi brigitte, if you paid at least 3 contributions within Oct 2012 to Sep 2013, you’re eligible and you can try filing. Include in your MAT2 docs your MAT1 and ultrasound report and include a letter explaining why you were unable to file your MAT1 before your delivery. And then pray that it will be approved.

  3. Good day mam cora.. pwede ba mag hulog sa bayad center ng SSS voluntary member.. sa tita ko kasi ung huhulugan ko. pwede ba ako ang mag hulog para sa kanya??? at pano malalaman kung mag kano ang hulog nia per month.. salamat po..

  4. Hi MJ, yes, you can pay at Bayad Center for your aunt. Was she employed before? And did her employer remitted her contributions? I asked because I want to be sure she’s properly registered before you pay. She can check this SSS contributions table. What was her last SSS contribution when she was employed?

  5. morning ask q lng po bakit d aq mka post ng payment namin,snasbi out of bracket daw ang contibution nmin,,bkit po gnun???

  6. Hi rhoann, are you with HR or accounting? Are you referring to the SSS R3 or LMS program. If yes, sorry I’m not very familier with that program. Check your manual again.

  7. Mam good day po ask ko po sana uf i want to continue paying for my contribution as a vluntary member klangan pa po ba punta ako sa sss office pra mgpachange from employed to voluntary or can i just pay sa mga bayad centers and check the voluntary box. Salamat po.sana mareply nyo ako.

  8. Hi maf, yes, you can pay at Bayad Center and check Voluntary. When your payment is posted, your status will automatically change to “From Employed to Voluntary”. Register at sss.gov.ph so you can track your status

  9. Can i avail of maternity benefit even if i am a delinquent payer? I became a member in 2007. I paid diligently from 2007 to 2011. On 2011 i stopped working & enrolled in masteral studies. Last 2012 i was employed again in a local government unit, however i was employed on a contractual basis only thus no contributions for Sss were made..or can i just pay retroactively to avail?

  10. Hi ask ko lng po wat po need n requirement if im gonna pay it tru bayad center ng sss loan? Delingquet payer po ako. And meron po b cut off date o deadline wen it comes to sss loan since delingquet payer po ako like every 20th o 10th? I plan it to pay it half and renew after posting pde po b un since 2011 p po un cheque ko? Un po tnks po and more power God bless

  11. Hi Maam, namiss ko kasi ung quarterly deadline ng sss contributions ko (voluntary) last July 15. Is there any way para mabayaran ko pa yung april,may, and june? Thanks!

  12. Hi Aldwin, sorry but you’re already past your payment deadline. Bayad Center/SM Business Center will no longer accept your payment. I’m not sure if it’s viable, but if you like, you can try paying at an SSS branch today or tomorrow.

  13. hi po ms nora…last contribution ko po october 2013…kumpleto po hulog ko from jaunary to october 2013…nag stop po ako s work november…ngaun po EDD ko sa september…nagbayad po ako sss april may june as voluntary,..ma availk ko po ba maternity benefits ko?salamat po

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  15. hala we’ll no longer get back the contributions our employer has been deducting from our salaries since 2012. They’re just deducting and deducting but not remitting. It’s only now I came to know that there are payment deadlines

  16. Hi anne, your employer can remit past payments to SSS by paying penalties. You and your fellow employees should ask your employer to remit your contributions. I hope there are employees there who are able to risk getting harassed and losing their jobs so they can report your employer to SSS.

  17. Hi may-ann, you’re already late for April to June 2014. For July 2014, you can still pay it if the last digit of your SSS no. is 7. 8, 9 or 0. Check the deadlines above.

  18. Hi Ms. Nora, would just like to ask, delinquent payer for ako ng aking salary loan. pero babayaran ko po sna partially. tapos mag file po ako ng Mat 1 since im pregnant. Pwede po kaya yun? and pwede din po kaya ako na pagkabayad ko ng balance ko mag loan po ulit ako then file ng mat 1 ko? pls. answer.. salamat po :)

  19. Hi cha, file your MAT1 asap, even if you haven’t paid your loan yet.
    Yes, pay off your delinquent salary loan because if not paid, your loan balance will be deducted from your maternity benefit.
    Yes, you can borrow again after you pay off your delinquent balance. You can check if you’re eligible for a new loan through your online SSS account. http://www.workingpinoy.com/2013/10/sss-online-registration/

  20. hello ms. nors, good morning. I’m a vouluntary member and just found out that I am 4 weeks pregnant. my last contribution was Feb.2014. I intend to pay this qtr (oct – nov.2014) to update my contributions. i just would like to ask if i can still pay for the previous qtr (july-sept 2014)or the months I missed (march, april, may, june). If yes, can i do this at a bayad center? or do i have to pay directly at sss? thanks in advance for your assistance.

  21. Hi Nic, if the last digit of your SSS no. is 0 or 9, you can still pay for July to Sep, until today only (Oct 31). And pay at SSS; bayad centers do not accept payments like these.
    If you give birth in May or June 2015, SSS will look for at least 3 contributions within Jan to Dec 2014 and your 6 highest salary credits. You said you’re Voluntary — do you have a Date of Coverage? Or did you contribute as employed before?

  22. Hi! i want to open a peso savings account but I am in UK. I am going to use it for my SSS maternity claim. I hope you can help me. Thank you.

  23. Ms, i’m here in Jeddah, can i pay my contributions at remittance shops here? i don’t know whom i will address for sss pilipinas.

  24. Hi rodelio, you can pay your SSS at Skyfreight, Ventaja, IRemit, Telemoney and their remittance partners. Write your name, SSS no., amount and months to be paid. Some of the partners there are Enjaz, Al Rajhi, NCB Quick Pay, ABS CBN E-Money Plus Inc. or TFCMyRemit, Citi Express, Kapamilya, APEX Forwarders
    After 3 to 5 days, register at sss.gov.ph so you can check your payments from time to time: http://sssphilippinesnotes.blogspot.com/2013/02/how-to-enroll-in-online-sss.html

  25. hi mrs nora i Just wanna ask if i can still get my SSS maternity benefit. my last contribution is march 2015 And in 2014 I stopped working. I gave birth march 2015. prématuré. Can I still get my maternity? tell me what to do, if I need to pay for 2014. thanks

  26. Hi gloria, your semester of contingency is Oct 2014 to March 2015, so SSS will look for 3 contributions within Oct 2013 to Sep 2014. If you have 3, then you can file your claim. If none, you are no longer allowed to pay contributions for 2014. There are deadlines for paying SSS contributions.

  27. hi Mam ask ko lng panu kinocompute ang penalty for regular employers for the late submission of contributions. like ang due date is may 10 pero nabayad ng may 15? panu po ang computation?

  28. Ms nora if i pay over the counter when can i expect the payment to post? Which channel or bank will post the soonest? Turn around time for the payment to post? Thank you!

  29. Ms nora when i checked my loan eligibility, it showed july 2015 but came july and I was told I’m not yet allowed to file my loan application because my June payment through my employer has not yet been posted. Can i still reapply for new loan? Thank you’

  30. Hi Melanie, yes, wait for your June payment to get posted before you reapply, and if this is your first time to apply for an SSS salary loan, make sure you have at least 36 posted contributions, with 6 contributions paid within the past 12 months.

  31. Hi mrs Nora good morning! about sss salary loan po, as an employer how do I do amortization for employees once I have started the deductions? Shall I remit the payment immediately to sss or is it until I have collected all, then remit the total to sss?

  32. Hi Tr, you need to remit loan payments on or before your monthly SSS remittance deadline (depends on the 10th digit of your employer SSS no.), the same deadline with your contribution remittance deadline. Then submit your collection list on or before your quarterly deadline. You can see this rule at the back of the SSS salary loan form, and on the lower portion of the loan payment form.

  33. Hi Mrs Nora. I haven’t paid my april.may.june. 2015 for my quarterly sss contributions, can I pay it this August 2015?

  34. Hi Grace, sorry, you’re already late. You could have paid in July, with the deadline depending on the last digit of your SSS no. If your SSS no. ends in 1 or 2, your deadline was July 10, if it ends in 9 or 0, your deadline was July 31.

  35. Hi Grace, sorry, you’re already late. You could have paid in July, with the deadline depending on the last digit of your SSS no. If your SSS no. ends in 1 or 2, your deadline was July 10, if it ends in 9 or 0, your deadline was July 31. But ask SSS.

  36. Good afternoon can I apply for a maternity loan even if I have an existing loan. feb was my last contribution as I resigned. Need to have bed rest. due is october. It’s been 5 months I have not contributed. Pls help me. thanks

  37. If a new employee started work on July 29, and the payroll dates of the company are August 15 and Aug. 30, does the employer need to pay SSS contribution for the month of July?

  38. Hi michelle, there is no SSS maternity loan. There’s maternity benefit. If you paid 3 or more contributions within July 2014 to June 2015, you’re qualified for maternity benefit. File asap your maternity notification at SSS (MAT1) with your ultrasound report or cert of pregnancy from your OB. MAT1 should be filed before delivery. File your MAT2 after giving birth. Pay at least 1 contribution to SSS so your status will change from Employed to Voluntary, and so SSS will not require you documents from your former employer when you file MAT2.

  39. Hi Edwin, if you don’t have cutoffs for payroll computation, and you paid your new employee his 3-day work on July 31, then your employer pays the new employee’s SSS for July. But if you have cutoffs, like paying employees on the 30th their work from 11th to 25th of the month, then you don’t need to pay for July because your new employee will get his first salary on August 15, meaning your new employee did not receive any income in July.

  40. Hi Ms Nora, I’m paying my salary loan in time through my company but the sss is superlate in posting. I thought if USb is used, posting will be faster, but still it takes 3 months. what are the rules in paying through USB?

  41. Hi sally, the deadlines stayed the same even after the USB submission was launched. Companies remit employees’ loan payments to SSS every month (only the total amount and name of company appear), but the loan collection list, where the employees’ names appear, is submitted to SSS every quarter, not every month, per SSS rules, so SSS is able to know the names of employees who paid only after every quarter.

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