SSS Contributions for Voluntary Members

Friday, November 23, 2012


QUESTION:

I would also like to ask about SSS contributions for voluntary members. I would like to start making contributions again. How will I know how much to remit? I know the amounts range from 104 to 1,560, 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.

Merong mga nag-co-comment sa mga blogs namin na puede namang mag-increase by more than 2 brackets at a time kahit hindi na i-fill-up yong income declaration portion of the RS5 form. Ang sagot ko ay oo, puede, at tatanggapin na ng mga tellers or cashiers, at mapo-post pa, kasi walang manpower ang SSS to check every voluntary contribution, at hindi pa siguro nila na-incorporate itong factor na ito sa automated systems nila. Hindi ko rin alam kung nag-ra-random checking sila, or kung meron silang system or manpower to do random checking.

Pero merong isang mother na nag-comment sa isang blog namin na 5 years na siyang nagbabayad ng SSS premiums niya, at noong mag-file na siya ng maternity benefit, hindi na-approve ang benefit application niya, kasi hindi siya nag-register as Self-Employed properly. Wala siyang Date of Coverage, kasi hindi siya nagpa-approve ng Self-Employed Form bago siya nagbayad ng nagbayad.

The case of this mother is not about increasing contributions, pero this shows that sometimes puede tayong makalusot, but there are also times na hindi puede.

SSS Contributions for Voluntary Members

TABLE OF SSS CONTRIBUTIONS for Voluntary Members

Range of Actual Income    Salary Credit    SSS CONTRIBUTION

(Monthly)(Monthly)(Monthly)


1,000 – 1,249.991,000104

1,250 – 1,749.991,500158

1,750 – 2,249.992,000208

2,250 – 2,749.992,500260

2,750 – 3,249.993,000312

3,250 – 3,749.993,500364

3,750 – 4,249.994,000416

4,250 – 4,749.994,500468

4,750 – 5,249.995,000520

5,250 – 5,749.995,500572

5,750 – 6,249.996,000624

6,250 – 6,749.996,500676

6,750 – 7,249.997,000728

7,250 – 7,749.997,500780

7,750 – 8,249.998,000832

8,250 – 8,749.998,500884

8,750 – 9,249.999,000936

9,250 – 9,749.999,500988

9,750 – 10,249.9910,0001040

10,250 – 10,749.9910,5001092

10,750 – 11,249.9911,0001144

11,250 – 11,749.9911,5001196

11,750 – 12,249.9912,0001248

12,250 – 12,749.9912,5001300

12,750 – 13,249.9913,0001352

13,250 – 13,749.9913,5001404

13,750 – 14,249.9914,0001456

14,250 – 14,749.9914,5001508

14,750 – over15,0001560
.
SSS Salary Loan Renewal -- Loan Amount
SSS Educational Loan Launched in 2012

112 comments:

Apol Montiflor said...

Thank you very much Ma'am Nors, this is very helpful :)

aries said...

Good day! I want to ask about my situation. Memberbpo ako ng sss at ofw bfore. At this time still zero contribution. Im one month pregnant po ako ngayon gusto k sanang ma avail ung maternity benefits... ano po ang dapat kung gawin. Thank u much.:)

Kaydee said...

Hi aries, before you pay your first contributions, you need to register as self-employed kasi you were not able to pay before when you were OFW. Fill up RS1 form and show your ID and proof of your source of income (business permit, commission receipts or affidavit of source of income). Makakahabol ka pa ng benefits kung mabayaran mo ang April to Sep, pero dapat properly registered ka and SSS-approved as self-employed.

Thank you very much this is very helpful.

I am now 37 yrs old. I started in sss as a voluntary member this January 2013. I have been paying 1560 pesos since i started and planned to continue paying the maximum amount of 1560 until I retire at age 60. I am seeking the projected amount of my monthly retirement benefit when I retire at age 60. Can you assist me in getting an idea how much i will recieve monthly if i continue paying 1560 monthly for the nxt 23 yrs?

halfdozen1117 said...

Hi , I stop working since 2003 and since then I already stop all government fund instn./insurances (pag-ibig , Philhealth n SSS). right now, Im thinking of paying again my contribution in SSS, but my prob is upon updating my file, they found out that I still havent pay any single amount from my loan and that was long time ago (year 2000, I think), my employer before not knowing they didnt remit any of my payment (salary deduction).
and now it accumulated big interest. Ive been unemployed since 2003 and im been just a housewife since.
Can you advice what to do so could continue paying .

zina Rufino said...

Hello ask ko lng sana kung pwde ko po ba bayaran as vulentary member yong mga month na namiss kong bayaran..ofw ako bfore..para hindi masayang at maging buo yong contribution ko from 2006..

Kaydee said...

Hi zina, sad to say, hindi na. No retroactive payments with SSS. There are payment deadlines, depending on the last digit of your SSS no. SSS Payment Deadlines

Kaydee said...

Hi halfdozen1117, do you still have pay slips that you can use to confront your previous employer? Very bad employer. Have you accumulated at least 120 contributions? If not, is your total loan including interests and penalties much much more than your total contributions? I don't know the numbers/amounts so I cannot weigh things. Mawe-waste kaya ang new contributions mo? I wished SSS will launch another loan penalty condonation program this year or next year, so you can remedy your inflated loan problem. ... If you were employed sana, I would suggest na you continue paying both your contributions and loan. Pero sabi mo, hindi. Mas okay pa siguro na Pag-ibig na lang muna ang i-continue mo...plus mag-save sa bank... while waiting for another SSS loan penalty condonation program.... Please ask others too

Kaydee said...

Hi jovenakathlyn, before I answer your question, I'd like to ask if you registered as Self-Employed using RS1 form. Was your RS1 form approved and stamped by SSS? Because you cannot start with SSS as Voluntary.
About your pension, I'll answer that in a post so that more people can read it. I'll get back to write the link.

hanna garrido said...

Hi Kaydee,
Thank you for posting this!
I resigned from my job June 20,2012 and had gone freelance since. In the intervening time, I did not contribute to SSS but I am looking to start as a voluntary member. Is voluntary and self-employed the same? I am confused which status to go by, I work freelance but I have a set monthly income.
Also, I had a loan with SSS from August 2010, I am assuming my previous employer had been paying this and would have been fully paid by August 2012 if di ako nagresign nung June. I want to pay my balance as I'm sure tumataas ng interest nun.
Can you advise how I should proceed please?

thank you,
Han

Kaydee said...

Hi hanna, I'm glad you're having a nice freelance career.
About coverage status, you will continue as Voluntary because you were Employed before. Self-employed is someone who is just starting with SSS and has never been an Employee or OFW or Self-employed before.
About your loan, you can pay in full or in partial payments at Bayad Center using ML1 form (most Bayad Centers have this form). After about 5 days, check your online SSS account if your payment has been posted and applied to your balance. How to Enroll in My.SSS

Simple Rose said...

HELLO....
three years na po ang nkakaraan smula ng mag pa member aq sa SSS pro hnd po un nging active dhl hnd ko nmn po un nahulugan kht isang beses.Ang kailangan ko lng nmn po kc dun ay TIN num. pra sa pag process ng mga papers ko:)

Pro nitong JULY 08 2013 ay sinimulan ko ng hulogan ang SSS ko bilang self employed at 1560 ang pinili kong amount na gusto kung bayaran evry month,,,Then inadvance ko narin po ung pagbabayad ko hangang ngayong dec.2013....


Ask ko lng po kung sakaling mabuo ko man po ung pg babayad ko ng 120months,magkano po kaya ang magiging pension ko ervy month wen i get d age of 60?

thnks :)

Main AD said...

Mam, may yaya po ako. ang salary nya ay 2,500.00 a month so, ang SSS remittance po nya naihuhulog ko ay 270.00/ month d po b, ang kaso gusto ko po magvoluntary n lang po sya pero same parin po ng amount ang ibibigay ko or sa madaling salita ako pa rin po ang magbabayad kaso nga lang po voluntary. Pwede po b un?

Dan.Ervin said...

Good Day po. Kumuha po ako ng SSS Number ko noon pang 2011. tapos Kanina kukuha sana ako ng UMID/SSS ID. sabi po sakin hindi daw pwede kelangan ko pa daw po mag contribute kahit 1 month. Wala po kasi ako work ngayon d ko po alam kung magkano ung icocontribute ko sa SSS. Tanong ko lang po kung magkano po ung Contribution ko?

SSS member po ako since september 1993 pero nawalan po ako ng trabaho last december 2002. nakapagsalary loan po ako ng 24k noong 2003 but then until now hindi ko po ito nabayaran since plain housewife na lang po ako, malaki na po ang interet ng loan ko, at nasa 100k na rin po ang naging contributions ko, pwede po ba ibawas na lang yung loan ko from my contributions? pwede rin po bang ituloy ko yung contributions ko as voluntary member? thank you po.

Kaydee said...

Hi Simple Rose, before I answer your question, did you register properly as Self-Employed? Do you have an SSS-stamped RS1 form? Do you have a Date of Coverage? Check your online SSS account.
About pension: One of the 3 formulas in pension computation is 40% of average salary credit, so your estimated pension is 40% x 15k = 9,000 pesos.
Yong other formula is for those with more than 120 contributions

Kaydee said...

Hi Main AD, kung sa akin lang, yes, you can do that, kasi nga naman, less paperwork. And the same SSS benefit formula din naman for all types of members.
Kaya lang, you do that later on. You need to register her first as household employee, and then pay as Employer, together with the collection list for the first few or several months, kasi hindi puedeng Voluntary agad. If you pay without registering her properly, she will not have a Date of Coverage, and her payments will be posted, but will not be recognized later on by SSS for benefit computation.

Kaydee said...

Hi Anna Lynn, sorry hindi binabawas ng SSS ang loan sa contributions. Ang ginagawa ng SSS, kapag by retirement time ay hindi pa nabayaran ang loan, ibabawas ang loan sa lump sum. Kung pension naman, gagamitin ang monthly pension to pay the loan until it's fully paid.
Pag lumaki na masyado ang loan, baka wala nang makuhang lump sum or pension ang retiree o beneficiary.
So pay your loan. I hope SSS will offer another penalty condonation program so you can reduce your interest/penalty.
Yes, you can continue paying your contribution as Voluntary. Use RS5 form.

Kaydee said...

Hello Dan.Ervin, dapat magregister ka muna as Self-Employed bago ka magbayad ng contribution. If you pay as Voluntary agad, ma-post ang contribution mo pero wala kang Date of Coverage, at hindi ka maka-claim ng benefits later on. This is how to register as Self-Employed

adz said...

hello po good day...

ask ko lng po member po ako nang sss since 2007 at employed po kc sa factory aq ngtatrabahu bat din ngresign po ako 3 months after at wala pa po contribution ung ss ko. gusto ko po sana hulugan ng vulontary. pwede po ba un? at tsaka po kung sakali mga ilang buwan bago ako makakuha ng i.d. salamat po.

Kaydee said...

Hi adz, puede ka nang mag-apply for your ID kasi one contribution lang ang kelangan for ID application.
Yes, you can continue as Voluntary. Mamili ka lang sa table of contributions, then pay using RS5 form sa Bayad Center or SSS cashier. After 3 days or more, enroll ka sa My.SSS sa sss.gov.ph so you can track your SSS records. You will use 6 digits from the transaction no. in your RS5 payment form.

Dharl said...

Good Day Sir, Paanu po un SSS ko na dati po akong OFW at hinulugan ng employer ko un SSS ko until I stopped working as OFW last December 2012. But then, tinuloy ko po ang paghulog from my pocket at nilagay kong OFW status pa din kasi I planned to go back abroad but not this time pa po. Seems complicated un ginawa ko Sir. Do I need to update SSS Office para maging voluntary ang contribution ko or can I continue paying as OFW status kht nasa Pilipinas ako? credited po ba un binayad ko ng January to June 2013? thanks! God Bless!

Kaydee said...

Hi Dharl, yes, your payments from Jan to Jun are credited. Were you a seaman before? Kasi sabi mo OFW but your employer paid your SSS? Anyway, have you enrolled in My.SSS? If not yet, here's how to register in online SSS so you can track your data. Check if you have a Date of Coverage. This is important. And if all your payments are posted in your Actual Premiums table, then your account is okay.
You can continue as Voluntary. Just pay your next contribution using RS5 form and check Voluntary. When this is posted, you will see in your online account that your status has been changed from OFW to Voluntary.

Rowena Tuazon said...

Good day po Ms.Kaydee, member po ng sss since 2000 pero ng resign po ako s work ko nung May 31,2012 kaya natigil ako s paghulog ng sss, di po nkaapply ng voluntary kasi ngpunta ako s kuwait kasama ang asawa ko. Makakakuha po b ako ng Maternity benefits?

Kaydee said...

Hi Rowena, when is your delivery? Tingnan mo ito: Maternity benefit eligibility
You can continue as OFW or Voluntary using RS5 form. Then enroll in My.SSS so you can track your records and claims. Kung kulang ka sa contributions, at aabot pa ang Jan to June sa 12-month prior period, you can continue as OFW so you can still pay for Jan to June. File OW1 form and show proof you're OFW. Pay at SSS or Bayad Center or Iremit or Ventaja, not banks, so posting will be faster.

Unknown said...

Hi po Ms. Kaydee, tanong ko lang po if pwede akong mag self employed or voluntary member kahit wala akong work now but I'm receiving a monthly allowance from my brother abroad. I'm studying po kasi now for my post grad degree. Resigned from work January 2011 pa. Sayang din naman po kasi yong contribution ng company ko before na umabot ng isang taon. Then what if po magkawork ako in the future pwede pa bo ba yon palitan ulit? Plano ko kasi magwork ulit after taking my post grad degree. Thanks po..;)

Kaydee said...

Hi Unknown, do you mean you had contributions before as Employed? If yes, you can continue paying as Voluntary. Pay at Bayad Center, SM Business Center or SSS using RS5 form. Choose your contribution. About 3 days after paying, , enroll in online
SSS
so you can track your records. Check if your contributions before as Employed are posted and if you have a Date of Coverage.
When you get employed again, your employer will remit your contribution as Employed so your status will become Employed again.

melfuille18 said...

Hello po. I am not yet an SSS member but I intend to register this month of August,2013 as a voluntary contributor. I would like to ask if I could already get a copy of my (future) SSS contribution by September,2013 even if I will have paid only a month's contribution by then? A record of SSS contribution is needed po kasi as one of the requirements asked by the embassy where I plan to immigrate. Thank you po.

Kaydee said...

Hi melfuille, register as self-employed using RS1 form. Bring proof of your source of income. After getting approved, you can pay your first contribution using RS5 form. You can use this receipt in your immigration application. Or you can enroll in My.SSS about 3 days after payment (estimated time of payment posting). Choose 6 digits from your RS5 receipt and use it in your online registration. You can also print your online account to get additional doc for your application

Luisito Quijano said...

Magandang hapon po!
Gusto ko lang pong malaman kung ipinag-babayad ko ang magulang ko ng P104 monthly at nais kong itaas ito sa P312 sa susunod na taon, makaapekto po ba ito sa pension na makukuha nila? Nasa edad 57 na po ang nanay ko at may kasalukuyang 85 na hulog mula pa ng taong 1997, may mga laktaw rin po ito at base sa online sss may 17 hulog po siya na nde po naka-displayed na marahil ay nung panahon pa po na nagtrabaho siya, mga1978 pa po!

Kaydee said...

Hi Luisito, yes, makakatulong na dagdagan mo up to 312, pero bago ka mag-312, magbayad ka muna ng 208, then the next month, puede nang 312. About the contributions not posted, write a letter to SSS requesting them to post your mother's contributions -- write the dates and amounts, name of company and address. If you have a copy of payslips, ixerox ninyo and attach.

hello poh..nanay ko poh ay 55 years old na hinuhulugan ko ang sss nya mga 5montns..my mkkuha din poh ba syang pension f 65years old na sya?

hello poh.. ang kapatid ko ngayon ay bntis ng 1 month dati syang employed sa isang company at kinkuhaan sya sa hulog ng sss pro ng ngcheck kmi ng sss nya walang hulog ni isa member sya ng sss since 2011 pa..pro wla pang hulog ni isa...kung huhulugan ko poh bah yun my mkukuha pa poh bah sya pg nanganak sya???thanks poh

Kaydee said...

Hi marieche, about your nanay: yes, basta buuin nio ang 120 contributions. Did she register with SSS correctly? Meron siyang approved RS1 form? or NW1 form? Meron siyang Date of Coverage? This is very important. I-enroll mo siya sa sss.gov.ph so you can check her records

Kaydee said...

Hi marieche, about your sis: bago siya maghulog, dapat magregister muna siya as self-employed (RS1 form) at dapat meron siyang proof of income. kasi hindi siya naregister ng former employer at walang contribution (hindi uunlad ang ganitong klase ng employer; sana hindi na lang nagdeduct), so dapat mag-start siya with SSS correctly.

Kaydee said...

Marieche, check mo ito kung puede pang habulin ng sis mo ang benefit. SSS Maternity Benefit

Kate Forbes said...

gusto kong mag voluntary payment sa sss kaso nang icheck ko wala ni isang contribution ako sa sss ko di pala nabayaran ng mga dati kong napasukan. gusto ko magbayad i.m 40 yrs. old na ano po gagawin ko. ok lang po magbayad muna o dapat pumunta ako sa sss muna.

Kate Forbes said...

i'm 40 yrs old at gusto ko magbayad ng voluntary sa sss. makita ko kasi na wala ni isa akong contribution nung nagtratrabaho ako kaya gusto ko magbayd. anu po ba dapat kung gawin.

Kaydee said...

Hi Kate, yes, puede kang mag-start as self-employed. Fill up RS1 form. Magpakita ka ng ID at proof of your source of income, like receipts of commissions, or proof of income from Avon or Natasha or other direct marketing businesses. Sabihin mo ang monthly income mo kasi diyan ibe-base ang initial SSS contribution mo.

chocohaze said...

Hi! First of all, I'd like to thank you for giving us these information and for taking the time to respond to our questions.

My question is: My yaya has been with me for 22 years and I know that she was first enrolled as self-employed and I think she still is self-employed. I got that information from the "welcome page" after you log into online SSS. That means she's approved and registered properly right? But for some reason, when you look at her Member Details, it says that her Coverage Status is 'Voluntary Member'. Does that matter? She has a total of 66 contributions as self-employed and 30 as a voluntary member. Her contributions are all over the place though. As in sometimes her contribution is posted as self-employed and sometimes as voluntary. Is that okay?

My other question is: I'd like to help her with her contributions and I'd slowly raise her bracket until she completes her 120 contributions in 2016 at 66 years of age. When can I start increasing her payments? And you said we can only increase 1 - 2 brackets at a time, so after increasing the first time, when again can I increase another 1 - 2 brackets? I asked a friend before and according to her, you can only increase your payments at the beginning of the year (January) and then again the year after. Also, she said there was a form to be filled up and get approved before we could start increasing. Can you confirm this?

Thank you very much!
Hazel

sharee mae said...

Hi! ask ko lang po kung pano procedure sa pag start ng contribution? nagwork abroad mom ko last 97-98,may sss sya pero di nahulugan, she's now 53 and gusto ko pong mahulugan para po magkaron syang pension. nag send akong email sa sss regarding this pero walang direct answer regarding sa concern ko, please help po, thanks!

adz said...

Hello po good day tanung ko lang po sana bakit hindi ko po makita yung contribution ko sa mysss registration online nkapg register napo ako at may acount na pero hindi ko po makita yung contribution ko. Salamat po.

adz said...

Good day po. Nagtataka po kasi ako sa record location ng aking sss. Bakit po nasa TARLAC samantalang sa BATAAN ko po ito inaply. At sa NEGROS OCCIDENTAL po yung origin ko. Kung sakali po ba mgkakaproblima ako dito? At anu po dapat ko gawing para ma ayus q po ito. Salamat po

Kaydee said...

Hi sharee mae, I replied to your question here: Your mother's registration as self-employed

Kaydee said...

Hi chocohaze, it's ironic that when you praised my blog, I was super delayed in answering your Q. I don't know why I missed your Q. I've answered later Qs than yours. Thanks anyway for appreciating my efforts.
If your yaya has a Date of Coverage, then she was registered properly, and she'll get her benefits. Yes, it doesn't matter if her contributions are posted as Voluntary or Self-employed, as long as she has a Date of Coverage, and all her contributions are also posted in the "Actual Premiums" under Member Info. About increasing her contributions, yes, you can increase by 1 or 2 brackets at a time from month to month (Page 21 of the 2010 SSS Guidebook). If you're paying quarterly, some tellers usually are confused about different monthly amounts in the RS5 form, so pay just 1 month at a time until you get to a point where the monthly amounts are the same amounts. Best regards. You're so blessed for having her for many years.

Kaydee said...

Hi adz, is the current address you wrote in your online registration in Tarlac? Usually SSS assigns your record to the branch nearest your current residence. Do you mean you cannot see any contribution when you click Online Inquiry, then "Member Info" and then "Actual Premiums?"

sharee mae said...

Hi mam, i just read your response, thanks po. pano po kung wala syang work, ako lang din po yung nagbibigay sakanya, pwede pa din po ba iyon? nagwowork po ako sa bpo.

adz said...

Hello po.. Hindi po. valenzuela ung current add. Na ginagamit ko kasi sa ngaun dito ako nakatira. Pero ngtataka lng po ako bakit ung record location ko bakit napunta sa tarlac. Baka po kasi mgkaproblima ako sa huli. Tapos dati kumuha ako ng microfilm copy ng E1 ko sa tarlac po talaga sya. Panu ko po kaya mapalitan yun? Thanks po talaga.

adz said...

Bakit po kaya napunta sa tarlac hindi nmn po ako taga roon at hndi pa po ako nakapunya dun. Alam ko po sa bataan ako ng apply. Big deal po ba ito? Or hindi naman. Thanks.

Kaydee said...

Hi sharee mae, ang self-employed SSS member kasi ay para sa merong sariling earnings. Ang exception lang dito ay yong full-time housewife/husband na SSS member ang spouse. Ask your mother kung ano ang puede niyang gawin na merong earnings, like selling Avon, etc.

Kaydee said...

Hi adz, hindi naman big deal. I'm not sure but I think your record is in Tarlac because that branch is the SSS regional office for Tarlac and provinces in the north. The only other northern regional office is Baguio. Ang big deal ay dapat your name and SSS number and all other personal data items are correct and you have a Date of Coverage in your online account; if you have this date, it means that you registered properly before paying contributions.
When you pay using RS5, write your Valenzuela address. I don't know if it's immediate or after some RS5s, but they'll change your Bataan address to Valenzuela address and will write Valenzuela as your serving branch.

adz said...

Thank you po for that information... God bless.

sharee mae said...

Thanks po mam for the info. So, kahit po 53 na sya pwede pa din icontinue yung sss nya, tama po ba?

Kaydee said...

Hi sharee, sabi mo i-continue, ibig sabihin nakapaghulog na siya dati? Kung nakapaghulog na dati, voluntary na ang category niya at hindi na niya kelangang magpakita ng proof of source of income. Yes, ke umpisahan o i-continue puede pa siya. Kung mag-start pa lang na mag-contribute, she must present proof of source of income and register as self-employed.

chocohaze said...

Hi! I've been checking this site when I remember and I was starting to wonder if it was 'closed' already hahaha. Nevertheless, thank you for responding to my question! :)

About increasing her contribution.. right now she is contributing 104 quarterly and she has already contributed for the last quarter pf the year so I guess I have to start increasing in January instead. So can we keep increasing her contribution until she is eligible to get a pension? Or is there a limit of 2 brackets per year? Also is there a form that she has to fill up before increasing her payments? And how long do you have to be contributing in that bracket for them to acknowledge that you ARE in that bracket?

Sorry I have so many question cause I have no experience in this :(

THANKS AGAIN!!!! :D

Mimi Aguila said...

Good day!
I am Noeme Aguila,I resigned from my job June 2012 and had been deducted from my salary on all my previous jobs. I had been stopped from my job for i gave birth last April 2013 and submitted my maternity requirements just waiting for the approval of the reimbursement . I submit all my requirements last September or October.
In the intervening time, I did not contribute to SSS but I am looking to start as a voluntary member. Is voluntary and self-employed the same? I am confused which status to go by, I work now at LGU and want to continue to ensure my benefits.Is it possible to register for i have to start paying voluntary contribution.

Just want to update when i have to claim my maternity payment.

Thank you

Kaydee said...

Hi chocohaze, there's no other form to fill up if you increase her contribution. Continue using the RS5 form. She can start paying 110 in Jan 2014 (SSS premiums will increase starting 2014) and then 165 or 220 in Feb, and then stay at 220 for the rest of 2014, and then increase again in 2015. Or you can increase again to 275 or 330, then stay at 330. Just make sure that anytime you increase, you increase only by 1 or 2 brackets, so you don't need to provide any proof of income. warm regards

Kaydee said...

Hi sharee mae, ang tanong mo is "puede pang icontinue", so do you mean she was already a registered member before? If yes, and she was properly registered before, (check if she has a Date of Coverage), then she can continue paying her SSS even if she's already 53 years old.

Kaydee said...

Hi Mimi, you can continue paying your SSS contributions as Voluntary. Why Voluntary? Kasi employed member ka dati. Ang self-employed ay yong member na nag-start with SSS na hindi employed kundi independent earner.

Jen Eulalio said...

hi ms. kaydee.. ask ko lang po pwede ko po ba hulugan ung sss contribution ko in full since member po ako dati na but no contributions at all. to get maternity benefits po but im already 7months pregnant? is that possible? if yes how much should I contribute..thanks!

Kaydee said...

Hi Jen, sori, hindi ka na yata makahabol. If you give birth in Jan or Feb, dapat meron kang at least 3 contributions within Oct 2012 to Sep 2013. Hindi na puedeng bayaran ang mga months na ito kasi late na, meron payment deadlines. Kung OFW sana, puede kasi mas flexible ang deadlines nila. Ask others too.

Jen Eulalio said...

thanks ms. kaydee gnon po ba. dpat pla much earlier para nabayaran ko pa po..

cpenny29 said...

Hi Ms. Kaydee! ask ko lang po kung pano ang gagawin ko kc po hindi po ako nakapagbayad ng voluntary contribution ko for the month of nov. pwede ko po bang bayaran un on my next payment (due on Dec. 15) with the penalty? para po maging updated ang payments ko? thanks po!

chocohaze said...

Thanks again for your reply!

Last question (hopefully!):
You said she can only increase 1 to 2 brackets so that she won't need to provide proof of income, so how long does she have to be contributing that amount before she can contribute again? (ex. Like you said, contribute 110 in Jan then 220 from Feb to Dec VS 110 in Jan then 220 in Feb then 330 in Mar, etc.)

Kaydee said...

Hi cpenny, puede mo pa namang bayaran ang for November up to Dec 10 -- ito ang earliest deadline for Nov. Pero ang Bayad Center tatanggap lang ng payment for Nov this month up to Nov 30. Pag December na, pay at SSS o as bank para tanggapin, pero matagal ang posting pag sa bank. Walang late payment kapag voluntary. Any late payment ay pinopost ng SSS for the following month.

Hi Kaydee, Tanong ko lng sana if okay lng ba na mag increase ako ng contribution ko kasi employed ako befre and contributing 936 for 2yrs (2010-2012) and now 1 yr na ako nag voluntry kasi pinagpatuloy ko yung payment ko pero 520 nlng this time... gusto ko sanang e increase to 990 by next year puede ba yun since nagstart naman ako sa 936 a mnth na contribution? Do i need to file anything for me to be able to start the 990 contribution by next year? SALAMAT PO =)

Kaydee said...

Hi Alone_Unbreakable11, mag-increase ka na lang by 2 brackets every month until you reach 990, so you don't need to declare your income. This Dec 2013, you can pay 624, and then 660 in January 2014, and then 770 in Feb, 880 in March and then 990 starting Apr.

Samyr Rama said...

Hi kaydee, Thanks you so much for your reply.. Currently paying it quarterly so I think ill start paying monthly this january muna... Thanks so much ha... =)

Samyr Rama said...

Alone _unbreakable here pala...

hi po.. Ang tan0ng q naman ay tungk0l sa asawa q0ng ofw, member po xa ng sss pero kahit kelan d pa xa nkpag hul0g,ung mga dating pnagtrabahuhan nya hndi din po hinulugan..ngaun po nsa saudi sya nit0ng may 2013 lang, nagkar0n xa ng w0rk related accident nit0ng n0v.2013.. Merun po b xa pwdeng makuha sa sss na benefit or khit ano?kung merun po anung dpat namin gawin at magkano dapat bayaran? Maraming salamat po

Kaydee said...

Hi Lhianie, sorry, walang benefit, kasi sabi mo ni isang contribution, wala siya. Kapag sickness benefit, dapat meron siyang at least 3 contributions within the 12-month period before semester of accident. Kapag disability, dapat merong at least 1 contribution.
Para ma-qualify for benefits in the future, mag-postal mail siya ng accomplished OW1 form sa SSS, International Operations, Diliman Quezon City. Pag approved na ang form, magbayad ka na ng contribution niya as OFW member.

nickie hallare said...

,-hi, ask ko lang po. need po ba talagang mag under sa self employed para makapag voluntary contribution kahit wala naman akong pinagkakakitaan?

Kaydee said...

Hi nickie, kung employed ka before at meron ka nang contributions as employed, puede kang Voluntary. Pero kung wala ka pang contributions, you need to register as self-employed using RS1 form. Bring your ID and proof of source of income. Kung walang pinagkakitaan, I hope maghanap ka muna, kasi ang SSS naman talaga is for workers.

Rhett Reyes said...

gud day. how much contribution per month should i pay this 2014 if my previous is 728 pesos/mo. im a voluntary member. tnx

raqs said...

hi kaydee, ask ko lang, asawa ko kc dating employed, nag-stop na sya mgwork since 2011, plan ko ituloy ang contribution nya this yr as voluntary, pwde bang mas mababang monthly contribution since di ko kaya un dating monthly contribution nya nun employed pa sya? pls advise... thanks

Misao said...

Hi kaydee Im a self voluntary member since February 2013 I just wanna ask what must be the problem why my latest payment of premiums on December 2013 has not updated yet.. I had already paid on the 16th..thanks

tintin can said...

hi ms. kaydee..i want to start as a voluntary member sana starting this month of January, bali employed po ako dati way-back 2009, after po mag end ang contract ko di na po ako naging active..as far as i remember, yong binabayad ko po dati is below 500 lang, gusto ko po sana itaas sya to 1040 a month..ok lang po ba na magbayad ako thru bayad center ng 1040 without notifying SSS about it, or may kelangan pa po aq i-file or something? thanks a lot po..

Kaydee said...

Hi Rhett, your monthly contribution starting Jan 2014 is 770 pesos (salary credit is 7k).

Kaydee said...

Hi raqs, yes, puedeng mas mababa sa dating contribution. Kung dati ay higher than 520 pesos ang contribution niya, at gusto mong mag-decrease sa less than 550 pesos (5k na salary credit), sulatan mo yong Declaration of Earnings sa RS5 form (sa baba) ng income na 4500 or 4k or lower, then keep this form for future purposes. Yong sa susunod, hindi na ito susulatan.

Kaydee said...

Hi Misao, dahil sa holidays siguro. Much more delayed pa ang posting pag thru bank nagbayad.

Kaydee said...

Hi tintin, yes, you can pay at Bayad Center without informing SSS. But because you're increasing your contribution by more than 2 brackets, fill up the Declaration of Earnings at the lower portion of the RS5 form. Match your contribution to your income. For the 10k salary credit, the contribution has increased to 1,100 pesos starting Jan 2014. Keep this RS5 form for future use, in case you'll be asked to show it. Register online so you can check your data and if you have a Date of Coverage.

joan0001 said...

Hi! Inquire ko lang po. Noong 2006 kumuha ako ng SSS no. Pero dahil hindi na ako nagwork sa comapany and nag. Asawa na ko, hindi ko pa nasisismulan bayarana ang contribution ko. Ano po bang kelangan kong gawin. Magpapa change din sana ako ng name and magstart magpay ng contribution as voluntary kasi housewife ako ngayon. Paano ko po malalaman kung magkano ang contribution ko and ano pong kelangan kong dalhin na requirements? salamat.

Osan said...

Hi Kaydee..

Question regarding voluntary contributions. I've worked na before for a couple of years with this company and had deductions for SSS. I stopped working for 3 years and just resumed working this year - pero online. Should I apply ba as a voluntary or self employed? And how to do it?

Thanks!

Osan

hi again ms kaydee.. tnx a lot po for answering my inquiry the last time..but may further question po aq, i have paid my sss for this month and tried registering online. but hindi po ma accept ang application ko at nakalagay dun is that the member status not the same with SSS records. From employed to voluntary member po ako. So, what should i do po kaya? punta na lang po ba sa SSS? tnx po again..

Kaydee said...

Hi Osan, since Employed member ka before, you continue contributing as Voluntary. Use RS5 form when paying. Puede sa Bayad Center, may RS5 form sila. After your payment is posted, your status will change from Employed to Voluntary. Register at sss.gov.ph so you can track your records.

Kaydee said...

Hi joan0001, kung wala kang source of income, at kung active SSS member ang husband mo, mag-register ka as nonworking spouse. How to register as nonworking spouse
Kung meron kang source of income at meron kang document like ID or receipt, magregister ka as self-employed. Use RS1 form.

Kaydee said...

Hi christine, baka hindi pa napost ang latest payment mo as Voluntary at hindi pa na-change ang status mo to Voluntary. Kasi usually automatic na nagtse-change from Employed to Voluntary once the Voluntary payment is posted. Try again tomorrow or the next day.

nylavi ava said...

hi kaydee! :) i'm from Tacloban City,a college student at the same time having my part time job as a networker through online .. i want to be a member of SSS. thanks to your blog, i've learned so much but still confused on some processes. my question is, if i can be a member of SSS even if i'm stil a student and the source of my income is through my part time job?? and self employed po ba ako dapat mag.under?? i want to start at 1560, is ok ?? thank you so much for your time to reply .. unexperienced po kasi, thats why so many questions .. GOdbless ! :)

Kaydee said...

Hi nylavi, yes, you can register with SSS as self-employed. First, you need to have an SSS no. If you don't have this yet, go to SSS and present your birth cert (orig and xerox) and fill up E1 form. Submit it to get your SSS no. After getting your SSS no., fill up RS1 form and submit together with proof of your source of income, like ORs or vouchers of your online payments or printouts of your Paypal payments. Bring also your ID in case it would be needed. You can start with the maximum (1560 has been increased to 1760)if your monthly income is 15,750 pesos or higher. The SSS officer who will evaluate your RS1 form or who will ask some questions to verify your source of income and your monthly income amount will write your monthly contribution amount on the RS1 form. Keep this RS1 form for future use (you scan or photograph it also and then store it in your private online storage or in your computer). Later on, register in online SSS and see if you have a Date of Coverage -- this is important specially for those starting as self-employed members. If you have time, it would be nice if you update us about your registration, so others can learn from your experience. God bless too and thanks

i have tried registering for two weeks now, guess i'll have to wait na lang.. tagal ata ng posting nla..but anyways, thank u po ng madami..such a help..God Bless po..

Kaydee said...

Hi christine, kung sa Bayad Center or SSS branch ka nagbayad, dapat na-post na. Puede ring tawagan mo ang former HR mo, or former officemate mo, at makisuyo na hingin ang company's SSS no. I-explain mo lang na gagamitin mo lang sa pag-enroll sa online SSS, para lang makapasok ka, kasi Employed pa ang status mo.

111 said...

Hello, Like Nylavi, I want to start contributing to SSS . I am an online entrepreneur for 3 months now and my customers pay through my bank account... I am just confused about those "proof of source of income"? In my case what documents would suffice this requirements?

nylavi ava said...

hi Kaydee ! :)

thank you so much for answering my questions , and yes, i will update here also if i am already a member of SSS, thanks so much kaydee .. :) Last question naLang po .. i have a friend aLso, she still studying and she wants to become a member of SSS and her source of income where she can contribute is through her Loading business, as a retailer.. Is she aLlowed to join?? she's actually gaining 3k or more per month where she gets the money to support her studies.. same process pa rin po xa dba , like what you said above?? then, what kind of documents as her proof of income she will give to the SSS if ever aLlowed po xa ??
thanks so much for your time kaydee , your such a big help ! :) keep safe and GodbLess ! :)

Kaydee said...

Hi 111, you can print a page of your website or online page where you do your business and then explain to the SSS officer what you do. Sometimes it depends on the SSS officer who will interview you; if she's satisfied with your response and your proof, she'll approve and stamp your RS1. Be ready with your monthly income amount, and how much you're able to pay every month. Check the new SSS contribution table. I hope you can comment again here so others can learn from your experience.

Kaydee said...

Hi nylavi, I applaud your friend for being able to support her studies with her loading business. Yes, the membership process is the same. She can ask for receipts from where she buys her load, specially for big amounts, or baka meron siyang membership ID sa loading network. She can also present her Smart Money card if she has this. Ang important ma-explain nio clearly sa SSS officer kung tanungin nia ang business ninyo or source of income ninyo para aprubahan kayo.

Simplyvia said...

Hi Ms Kaydee. My Tita is now receiving her pensio. She's single and has an older sister and younger brother. She tried to add her father as beneficiary but he had no birth certificate since he was born in 1928. She's asking if she can still add him as beneficiary. Thanks po.

Kaydee said...

Hi Simplyvia, your aunt can add her father as beneficiary even if her father has no birth cert. It's your aunt's birth cert that can prove the father-daughter relationship.

Ed Cachapero said...

Hi, what needs to be done if mistakenly made voluntary pymts prior to coverage?

Libra09 said...

Good evening. Tanung q lng po kng ano gagawin q kc kumuha po aq ng ss number last year ng oct po, eh hnd p po aq ngkawork until now gusto q sna ng hulugan un as non working spouse? & panu po pag na employed na q, aq po ba magpapa update nun from non working spouse to employed?

Kaydee said...

Hi Libra09, here's how to register as SSS nonworking spouse member
Kapag employed ka na, your employer will report you to SSS and after your first contribution as Employed is posted, your member status will change from nonworking spouse to Employed.

Kaydee said...

Hi Ed, do you mean you paid SSS contributions without registering as self-employed using RS1 form? Or that you were not reported as Employed member before? If yes, write a letter requesting SSS to refund your contributions from __ to __ because you did not know that you needed to register properly. Include copies of your RS5 forms in your request. Make copies for yourself too.
If you're not yet employed, and you like to start contributing now because you're earning from your self-employment or business, this is how to register as self-employed

Ed Cachapero said...

I paid thru bank for more than a year without registering as self employed.
Thank you. Appreciate your response. It really helps!

Kaydee said...

Hi Ed, I forgot to tell you that you can check if somehow things moved in your favor, or if by miracle, you have a Date of Coverage. If you have a Date of Coverage, it means you registered properly before paying your contributions. To check, you can either ask at the nearest SSS branch, or you can register at sss.gov.ph and then check if you have a Date of Coverage.

Grendalyn O said...

Good Day, Bakit po ang tagal i-post ung mga UNPOSTED Payments ng SSS? pero updated naman po yung bayad ng employer namen. Hindi po kami makapag loan gawa ng unposted payments..

Kaydee said...

Hi Grendalyn, ask your employer kung kelan sila nagsa-submit ng collection list sa SSS. Merong company na after every quarter through hard-copy R3 and R5 forms; meron ding after every month through electronic media. Sa collection list kasi nakasulat kung sino yong mga employees na nagbayad. So kahit na-remit na sa SSS ang contributions kung hindi pa na-submit ang names of payors, hindi pa mapost.

Martes said...

Goow day!

Aug of 201i resigned from my job due to health reasons. I inquired from your SSS hotline about how to become a voluntary member. She instructed me that when I pay all I need to do is check the voluntary box in the RS-5 form. I asked if I need to go to SSS to register and she replie, there is no need to register. Do you think I will have a problem in the future for not registering as voluntary member?

One more thing I need to ask, since I am not employed and dont have fixed income and there are times that I cannot pay my contribution monthly, would this post a problem when I retire? Please reply.

Thank you,

Mardi

Kaydee said...

Hi Martes, what the SSS hotline officer told you was correct.
But you need to make sure that your previous employer remitted your SSS contributions. Register at sss.gov.ph so you can check your SSS records online. To register, you need a recent RS5 transaction no. Choose 6 digits from the transaction no. Later on, when you already have your online SSS account, check if you have a Date of Coverage -- this is very important. Comment here again if you do not have this date.
If you have Date of Coverage, your status as Voluntary is valid.
About contributions, no, it's not a problem if you have gaps in your contributions. Take note that you need to accumulate at least 120 contributions to be eligible for a pension.
If you plan to increase or decrease your contributions, you must increase or decrease by 1 or 2 levels only at a time. At age 55 or more, change by 1 level only at a time, if your salary bracket is already 10,000 or higher.

Martes said...

Thanks a lot for replying. It means a lot and it's highly appreciated. More power! God bless!

joseph olleres said...

tanong ko lng po kung yung voluntary contribution ay mag fill-up dn ng RS1?

joseph olleres said...

Good day,paano po b malalaman kung registered s RS1?

Shy said...

Hi Joseph, registered ka as self-employed kung meron kang hawak na RS1 form na approved, stamped and signed by SSS. Kung employed ka dati at nag-remit ng contributions ang former employer mo sa SSS, ang member status mo ngayong unemployed ka is Voluntary -- hindi na kelangan ang RS1 form.
Kung never kang employed, or your former employer did not remit SSS contributions, you need to register as self-employed using RS1 form. Bring proof of source of income, like business papers or sales commission receipt, or networking ID or papers, plus your ID. Kapag na-approve na ng SSS officer ang RS1 form mo, puede ka nang magbayad ng contributions mo.

Thank you very much for your comments.
Note: This site is NOT administered by SSS.