When to Restart Paying the Maximum SSS Contribution

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  1. Hi Nora,

    Ask ko lang if you have any idea to this. I’m a voluntary member. Then late 2015 until now, I wasn’t able to pay my monthly premiums due to financial issues. Then gusto ko na sana siya icontinue now. May penalty ba? Nahinto ako sa pagbayad for more than a year.

  2. Hi Zj, walang penalty. Puedeng tumigil mag-contribute ang voluntary member any time at puede ring mag-resume na magbayad any time. Pero hindi na puedeng bayaran ang mga matagal nang lumipas na months or quarters. This month, hindi na puedeng bayaran ang months in 2015 and in 2016. Ang puede mong bayaran this month ay Jan to Mar (kung quarterly payment). Kung monthly payment, you can pay for the month of March. Puede pang bayaran ang month of Feb, pero sa SSS ka na magbayad (merong payment deadlines based on the last digit of your SSS number).

  3. Hello Im Delia Elas Balbuena. Ako ay dati miembro sa SSS. Ako po ay nahinto sa aking contribution dahil nawala na ako sa trabaho. Nakahinto ako sa pagbayad sa SSS nuong 1991. Kaya I ask from your good office kong ano ang gagawin ko sa SSS ko. Nuong ng isinilang ko ang aking pangalawang anak ay nakaclaim ako ng maternity leave. Pero pagkatapos nuon hindi na ako nagbalik sa trabaho ko. Kaya nga ano ang ma-advice mo sa akin. May benefits ba ako makukuha dyan sa nahinto kong SSS.

  4. HI,ASK KO LANG PO ANO ANG MGA REQS FOR SSS PENSION CLAIM NASA AMERICA YUN NAG AAPLY?KUNG PWDE I SUBMIT YUN REQS SA PILIPINAS THRU REPRESENTATIVE?SAAN PO PWDE KUMUHA NG SPA KAPAG NASA ABROAD KA?PAANO MG OPEN ACCOUNT NG DEBIT CARD SA PILIPINAS kung nasa us ka ?

  5. Hi Delia, kung nakabayad ka ng 120 monthly contributions (10 years) or more, meron kang pension starting age 60. Kung less than 120, lump sum ang ma-claim mo at age 60. You can visit the nearest SSS with your ID and verify your contributions para madagdagan mo ang contributions mo kung kulang ka pa sa 120, para mag-pension ka starting age 60. Kung actively paying member, merong maternity, sickness or disability benefits.

  6. Ask ko lang po,gusto ko din kasi magkaron ng sss..
    SSS number lang po ang meron ako..pano po pagbabayad,at San?

  7. Hello. I was employed by my father for his laundry business. Unfortunately, we were not able update my contributions religiously. May I ask if I can still pay my contributions for the year that has passed since today? Thank you.

  8. Hi Madison, are you paying as employee? Meaning nag-register ang father mo as self-employed and sole proprietor and then na-report ka as employee? or as voluntary? If your member category is Employee, yes, your father can pay for your past contributions, but with penalties. Your father fills up the forms at the SSS branch, so he can have the penalties computed there.
    If voluntary, you can no longer pay for contributions that are past the payment deadlines. But you can re-start paying. This March, you can pay for the Jan to March quarter.

  9. Hi rose, bago ka magbayad, mag-register ka as self-employed. Bring proof of your source of income (commission receipt, etc). Puede ring barangay certificate certifying your source of income and your estimated monthly income. Then bring your ID and go to SSS and fill out the self-employed registration form. Pag approved na ng SSS, you can start paying. Your monthly contribution is based on your monthly income, so look at this SSS table of contributions and decide which monthly income you will declare for your barangay certificate or to SSS.

  10. Hello po. If 60 na po sya ngaung 2017, pero 1 year na sya nahinto mag pay ng contribution for one year now, pede pa po ba sya maghulog ng contribution as ofw? Until what age sya allowed maghulog sa sss and tataas ba ang pension nya kung ituloy nya? Thank you po.

  11. Hi Hershey, nagwo-work pa ba as OFW? If yes, magbayad siya as OFW. If hindi na OFW, voluntary na ang isulat na member category sa payment slip. Ang purpose ba ng pagpatuloy sa pagbayad ay to complete 120 contributions? Or para dagdagan ang pension amount? Puedeng magpatuloy magbayad until age 65. Puede lang magpatuloy magbayad after age 65 kung hindi pa na-complete ang 120 contributions. Kung today ay meron nang 120 contributions, at gusto lang na tumaas ang pension, yes, tataas kasi madagdagan yong number credited years at yong average salary credit (ASC). Pero konti ang effect sa ASC kung yong last monthly contribution ay mababa. After age 55, isang level na lang puedeng mag-increase per year. Ano ang mga last contributions niya? Wala pa ba siyang 120 contributions?

  12. Hello po. I resigned from previous work a year ago and since then I am paying the maximum contribution as a voluntary member. I’m having financial difficulties and was thinking of decreasing the contribution I’m paying. Meron po bang restriction kung ilang level sa contribution bracket ang pwede kong ibaba? Pag po ba nagchange ako ng contribution and naging ok un financials ko anytime pwede ko bang itaas ulit contribution?

    Another question po, my brother is now residing in Australia pero he used to have SSS when he was working locally. Pwede po ba activate ulit ung SSS nya? Thanks.

  13. Hi Anne, if you’re younger than 55, yes, you can increase or decrease your contribution amount to any level any time by any number of times. I’ll give you the link to the SSS circular later. But if you’re already 55 or older, SSS allows you only one change per year and only one level per year. Write me again if you’re 55 or older so I can give you tips.
    About your brother’s SSS, yes, he can start contributing again anytime. What’s his age? And has he accumulated at least 120 contributions? If already 55 or older, what were his last 3 or 5 monthly contribution amounts? So I can give a better advice.

  14. I am 58years old nag contribute po ako sa SSS from 1980-1989 pwede po ba ituloy hulog sa SSS kahit di na ko nagtratrabaho nakapagsave naman ako kahit papaano nung nagwork ako abroad.

  15. Hi Roland, yes, puede pang mag-contribute. What were your last monthly payments in 1989? Kasi meron nang rule about increasing only by one level and only once per year kapag 55 and older na. Do you have an online SSS account? Makita mo ba na OFW pa ang member category mo? Kasi meron ding exemption, so let’s see kung puedeng exemption.

  16. Hi Nora! Ako po ay OFW since 2012 pinapatuloy ko ang minimum monthly contribution ko kahit nung nwalan ako ng trabaho at hangang nkabalik ako ulit as ofw. Nung aug 2016 bumalik na ko ng pinas ng dahil natapos na ang contract ko..nabayaran ko po ung buong 2016 Sa minimum monthly contribution. Manganganak po ako ngayon sept 2017 makakaavail po b ako ng maternity benefits kahit Hindi na ko nakabayad simula Jan 2017? Pwd ko bang bayaran ng mas mataas ng konte mula Jan-March 2017 para mas mtaas ang makuha ko na benefits? Hangang kelan ko po ba dapat bayaran ito?Sa ngayon po ay wala ako trabaho kinakailangan ko bang palitan status ko as voluntary pra lng makaavail ng maternity benefits? Pwd ko bang ihinto muna pansamantala ang pangbayad ng contribution? Salamat sa tulong.

  17. Hi po, ang tita ko kasi nakapagbayad daw ng sss for 3 years nung nagwork siya sa isang company then nakapagloan dn sya ng Php10,000. But nung naging selfemployed na siya nung 1997, d na siya nakapaghulog sa sss and d rin nya nabayaran loan nya. Gusto daw nya po icontinue ulit maghulog sa sss pero nagwoworry po sya sa loan nya na d nbayaran 20yrs ago. Ano po dapat nyang gawin?

  18. Hi Iana, ask your tita to go now to the nearest SSS today. Ngayong araw! Today is the deadline of the loan restructuring program. Last year pa ito nagsimula. Bakit kaya hindi niya nabalitaan? Dalhin nia mga IDs niya. Dapat ngayong umaga kasi magpapa-notarize pa siya (150 to 250 pesos for notary). Baka maraming taon na uli ang lilipas bago meron uli restructuring. Yong 10k na loan ay super laki na ngayon, so it’s wise na pumunta siya sa SSS ngayon. Malaking bawas sa pension siya kapag hindi nia mabayaran ang loan niya, so dapat pumunta siya agad ngayon sa SSS. Siguradong mahaba ang pila ngayon, so dapat pumunta siya ASAP this morning.

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