11.24.2012

SSS Contributions by Voluntary Members

By KD
Below amounts are valid as of March 2017

SSS Contributions by Voluntary Members

TABLE OF SSS CONTRIBUTIONS for Voluntary Members
                                                      as of January 2014

Range of Actual Income    Salary Credit    SSS CONTRIBUTION

(Monthly)(Monthly)(Monthly)


1,000 – 1,249.991,000110

1,250 – 1,749.991,500165

1,750 – 2,249.992,000220

2,250 – 2,749.992,500275

2,750 – 3,249.993,000330

3,250 – 3,749.993,500385

3,750 – 4,249.994,000440

4,250 – 4,749.994,500495

4,750 – 5,249.995,000550

5,250 – 5,749.995,500605

5,750 – 6,249.996,000660

6,250 – 6,749.996,500715

6,750 – 7,249.997,000770

7,250 – 7,749.997,500825

7,750 – 8,249.998,000880

8,250 – 8,749.998,500935

8,750 – 9,249.999,000990

9,250 – 9,749.999,5001,045

9,750 – 10,249.9910,0001,100

10,250 – 10,749.9910,5001,155

10,750 – 11,249.9911,0001,210

11,250 – 11,749.9911,5001,265

11,750 – 12,249.9912,0001,320

12,250 – 12,749.9912,5001,375

12,750 – 13,249.9913,0001,430

13,250 – 13,749.9913,5001,485

13,750 – 14,249.9914,0001,540

14,250 – 14,749.9914,5001,595

14,750 – 15,249.9915,0001,650

15,250 – 15,749.9915,5001,705

15,750 – over16,0001,760
.

QUESTION:

I would also like to ask about SSS contributions by voluntary members. I would like to start making contributions again. How will I know how much to remit? I know the amounts range from 110 to 1,760, but how would I determine what amount I am supposed to contribute per month? How does voluntary contribution work?

ANSWER:

The outright answer would be: it depends on your current monthly income. You look at the SSS contributions table, and then pay the corresponding monthly contribution.

But since you are voluntary, and you can decide how much income to consider, you decide based on how much benefit you want in case of sickness, disability, maternity, retirement, or death.

The amounts of your BENEFITS depend on two factors:
1. your average monthly contributions and
2.  number of monthly contributions
during certain periods or throughout your membership period.

For example, the amount of your Maternity Benefit or Sickness Benefit will depend on the total of your 6 highest average monthly salary credits within the 12-month period before your semester of delivery or semester of sickness.

For Maternity Benefit, the total of these 6 credits will be divided by 180 and then multiplied by 60 days if normal delivery, and by 78 if by Cesarean Section (CS).

For your Retirement Benefit, the amount of your monthly pension would depend on:
1. the total number of your monthly contributions
2. the number of your credited years of membership
3. the average of your monthly salary credits for the last 5 years
4. the average of your monthly salary credits throughout all years of your membership

Take note also that SSS has rules on changing the amount of your monthly contributions. It says that:
1. You can change only by 1 or 2 salary brackets at a time
2. You cannot go below the 5,000 bracket once you have paid beyond this bracket
3. At age 55 or older, you can increase only by 1 salary bracket at a time, if your current monthly salary bracket is already 10,000 pesos or higher.

You can however do No. 1 and 2 by declaring your income on RS5 form, and be prepared to submit supporting income documents if ordered by SSS.

There are members saying that we can increase by more than 2 brackets at a time without filling up the Income Declaration portion of the RS5 form. My reply is Yes, we can. The SSS cashier or payment center officer will accept our payments. They will not check if we increased our payments correctly or not. They do not have time to check every voluntary contribution amount, and I have observed that they have not yet incorporated this factor into their automated systems. I don't also know if they're doing random checking.

But there was one mother who commented in one of our blogs, saying that her maternity benefit claim was put on hold because an SSS officer noticed her sharp increase in monthly contributions, from a low monthly contribution to 15,000 pesos per month.

If you increase your monthly contributions by more than 2 salary-credit levels, and you fill up the Income Declaration portion of the RS5 form, keep this RS5 form, in case your sharp increase will be questioned in the future. 

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Other Comments from ReadersSSS Monthly Contribution Table for Voluntary Members

14 comments:

  1. Hi po! Ask ko lng po... Meron na po akong 11 months contribution nung yr 2005, e dba po 36 months ung required para mkapagloan? How much po nid ko i-voluntary contribution/month para makapag-loan.. TIA

    ReplyDelete
  2. Hello po.. Ask ko lang po kung ano po mangyayari if na missed ko bayaran ung july-september .. Pwede ko pa po ba bayaran yun this December.. Nag try po ako magtanong sa bayad center sa Robinson's .. Current lang daw po yung tatanggapin nila oct-dec lang daw po since quarterly po bayad ko.. Pwede po ba sa SSS branch mismo.. O ganun din po.. By the way voluntary po ako.. Salamat po ng marami..

    ReplyDelete
  3. Hi ask lng po ako pwd po ba x case if i want to pay as voluntary member na Jan2015-June2016 (330) qng binayad ko tapos july2016-dec2016 (990) ung binayad ko tapos nag declaire ako ng jan 2017 na buntis ako pwd po un ganung payment

    ReplyDelete
  4. hi po ask kolang po .
    im voluntay member of SSS PO
    IF i will pay only 10 years pwedi naba ako mag stop and mag retire? hope to hear ur respons po.. 6 years napo ako member

    ReplyDelete
    Replies
    1. Hi Voluntary member: Naging employed ka ba before ka naging voluntary? I asked this to be sure na meron kang Date of Coverage at valid ang mga contributions mo. Yes, kung gusto mo ay 120 contributions lang, para lang maka-pension, yes, puede namang tumigil nang mag-contribute after 120 contributions. You can file for pension at age 60.

      Delete
  5. Hi more than 10 yrs napo npo ako member at 33 yrs old plang ako... Dpt po ba tlga 60yrs old pako mg file ng retirement? Or pano kung hanggang mg 60 nko continous prin hulog ko pano ung over 20yrs+ ko na contribution?.. Salamat

    ReplyDelete
  6. hello apo, ask lang po, im stop working na tapos nakaloan po ako before i stop then this march po mag start napo akong magbayad sa loan, then wala pa po akong work, obligado ko po bang bayaran ang loan ko? or babayaran ko nlang po if i work na? thank you

    ReplyDelete
    Replies
    1. Hi Hazel: Kung meron ka namang pambayad, you start paying, para mabawasan ang loan balance. Pero kung wala talaga, puede namang hindi muna. But when you get work, make sure to give your loan voucher to your new employer para ma-deduct nila ang amount sa loan mo. Then check if they are remitting your loan payments, or ask your fellow employees. Usually loan payments from employees are posted after a quarter because collection lists from employees are submitted every quarter.

      Delete
  7. Hi Sir/Mam. bago palang ako nag apply ng sss ko.. As a voluntary member po. Pag nahulugan po ba ng 36 months ang sss ko, pwedi po ba ako magloan? and magkno po una ko muna ihhulog sa sss ngaun first timer palang ako.. Thanks & Godbless

    ReplyDelete
  8. Hi ask ko lang po kung ano pwede ko gawin to get a maternity benefit. Last payment po kasi dun sa dati kong work eh nung last March 2016 pa gusto ko po sana mag declare ng maternity benefits. Sa July 2017 po ang due date ng panganganak ko may mkukuha po ba ako? Kung babayadan ko po ba ung January 2017 to June 2017 pwede pa po kaya? at hanggang kaylan ko po pwede na mabayadan?Salamat po

    ReplyDelete
  9. Hi! I am 33 yrs old and just started doing voluntary payments. I am just concerned sa pension ko and not to any other benefits. I just started paying P1760 per month, for 6 months na but I heard na yung last 5 years lang tinitignan nila for pension? So I am planning to dec nlng muna sa P550 then sa 5th yr ko, dun ko increase to P1760 hanggang 10th year ko na. Then stop. - Possible ba yun na magdecrease ako and increase from 550 to P1760 kagad on my 5th year?

    If not, please give me an advice. I don't want to pay max kung ung last 5 years lang tinitignan kasi d naman ako concern sa ibang benefits dahil marami na ko insurance. I just want to take advantage of Max Pension. Thanks in advance!

    ReplyDelete
  10. I used to work for about 6 years in a company and contributed to sss.But I stop the sss contribution for 4 years now.I'm now self employed, can I still continue paying sss contribution by just paying it to the bank with my sss number or do I have to fill up a form before renewing my contribution?

    ReplyDelete
  11. Hi, ask ko lang. I stopped working na for two years. If mag voluntary ako, pwede ko ba bayaran rin yun two years na na-miss ko? Salamat!

    - jm

    ReplyDelete