Gov't Services SSS

Complete Step-by-Step Guide to Register your SSS Account Online

Members of the Philippine Social Security System are encouraged to register their SSS account online for faster and convenient viewing of SSS contributions.

Once you’re registered, you can also view and file benefit claims such as retirement or disability pension, maternity benefit, and sickness benefit. You can also apply for salary, educational, or housing loan through your online account.

The online platform of SSS indeed has a lot of advantages. If you are not yet registered, just follow this complete step-by-step guide on how to register your SSS account.

1. Go to

2. Under ‘Not Yet Registered in My.SSS’, click ‘Click Here‘.


3. To register as SSS member online, you need to choose one of the information below.


In my case, I registered using the Payment Reference Number which is found on the receipt when I paid my contribution at the SSS branch.

4. Fill out the User Registration Form with all the required information.


Below is the continuation of the registration form. Make sure to enter your correct address and the Reference Number. After that, you need to enter the code shown at the bottom, then click the box to accept the terms and conditions, and finally click on Submit.


5. A confirmation message will show up on the screen if your registration is successful.


In my case, I received the email notification after 5 minutes.

6. Check your email inbox for the system notification from SSS. It should come  from with the subject, SSS Web Registration. It contains the User ID and the link to activate your SSS online account or My.SSS. 

Take note that you need to activate your account within 5 working days, otherwise, the activation link will expire and you will need to register again.


7. Click the Activation Link in the email (below your User ID). Or, right click “clicking here” and copy link to your preferred browser (Internet Explorer, Mozilla, or Google Chrome).

This is the page where you’re going to set your Password.

Take note of the following when setting your password:

  • Length must be 8-20 alpha-numeric characters.
  • First character must be alphabetic.
  • No special characters and must be different from the User ID. (Ex. JDCruz08)


8. After you successfully set your password, you will be logged in automatically to your SSS online account.


Take note of your User ID and Password so that you can access your SSS online account anytime you want. When you’re logged in, you can access all the features and services that My.SSS offers including:

  • viewing your SSS contributions
  • viewing and filing your SSS benefit claims
  • viewing your SSS loan statement of account

How to Check your SSS Contributions

If you want to know how much you’ve contributed to SSS as a member, just log in to your SSS online account at and enter your User ID and Password.

Once you’re successfully logged in, hover your mouse to E-Services, then click Inquiry underneath it.


Under Member Info, click Actual Premiums.


You can now view your monthly premiums or contributions to SSS online without going to the SSS branch. Just login to My.SSS using your computer or smartphone with internet connection. It’s fast, easy and convenient.


7 Tips for Successful Registration to My.SSS

  1. Use Internet Explorer to open the SSS website. While you can view the website using other browsers, it is specially designed to work on Internet Explorer that’s why it’s highly recommended by SSS.
  2. Before you register, make sure you have the required information such as the SS number or Reference Number to make the registration easier to accomplish.
  3. Enter the correct information on the registration form. Your personal information must match with the SSS records.
  4. Use an email address that is active, accessible, and has not been previously used to register to SSS.
  5. Activate your SSS account within 5 days to avoid repeating the registration process.
  6. Set a password based on the given guidelines.
  7. Write down your User ID and Password in your notebook or in a safe excel file for your reference.

To keep your account safe, don’t share your account and login information to others. If you log in to the SSS website using a public computer, make sure to log out from your SSS online account after.

It’s important that you access your account regularly to see your contributions and loan statements. This will help you ensure that your contribution and/or loan payments are posted accurately.

Contact SSS 

For inquiries about SSS online registration, you may send an email to Indicate your Common Reference Number (CRN) or SS Number and complete name in your letter.

You may also contact the SSS call center at 920-6446 to 55. For general inquiries, you may email 

***This post is an update to our older post: How to Register or Sign-up for SSS ONLINE Membership Account.

Gov't Services SSS

When and Where to Pay your SSS Contributions as Voluntary Members

I’m currently a voluntary member of SSS or the Philippine Social Security System, and I pay my contributions quarterly. Today is July 10 and it is the last day to pay my contributions for the last quarter which includes the months of April, May, and June 2015.

I went to SM, where I usually pay my SSS contribution through their Business Services, and it’s the nearest and most convenient payment center for me. I was lucky because I was accommodated immediately and I didn’t have to wait and line up in long queue like what I normally do.

Pay your SSS contribution at SM Business Services

In this post, I will share with you some information and tips on how and where to pay your SSS contributions as a Voluntary, Self-employed, or OFW member.

  1. How much should you pay for your SSS Contribution?

Your contribution is based on how much your compensation is. Below is the latest SSS Table of Contribution of 2015. The minimum contribution for SE (Self-Employed), VM (Voluntary Member), and OFW (Overseas Filipino Worker) is Php 110 if your compensation ranges from Php 1,000 to Php 1,249; while the maximum is Php 1,760 if it ranges from Php 15,750 and higher.

SSS-Contribution-Table 2015

  1. When to Pay your SSS Contribution?

For Household Employers, Self-Employed, and Voluntary Members except OFW members, you can pay your contributions on or before the deadline. The payment deadline falls on the month following the applicable month or quarter.


For example in my case, since I need to pay my contributions for the previous quarter including the months of April, May, and June, the payment deadline is in July. What specific date in July? Here’s the guideline.

  • If the 10th (last) digit of your Social Security Number ends in 1 or 2, the deadline is on the 10th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 3 or 4, the deadline is on the 15th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 5 or 6, the deadline is on the 20th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 7 or 8, the deadline is on the 25th day of the following month.
  • If the 10th (last) digit of your Social Security Number ends in 9 or 0, the deadline is on the last day of the following month.

In my case, the last digit of my SS number is 1, and the deadline of my payment for the last quarter (April, May, June) is the 10th of the following month, and that’s today, July 10.

SSS payment deadline guide

Why is it important to know the payment deadline?

Because if you miss to pay on or before the deadline, you won’t be able to pay your contributions for the previous months. SSS does not accept retroactive payments. 

  1. Where to Pay SSS Contribution as a Voluntary Member?

There are several payment centers and options where you can pay your contributions.

SSS Payment Facilities

  • SSS Main Office – Cashiering Department
  • SSS Branch Tellering Counters
  • CIS Bayad Centers
  • SM Business Centers
  • SSS-accredited Commercial Banks

For Members Abroad

  • I-Remit
  • PNB Overseas Payment System
  • Ventaja
  1. How to check if your payment was accepted and posted online?
  • Go to (preferrably with Internet Explorer)
  • Log in to your SSS Online Account (If you don’t have it yet, you have to register first. Click HERE to know how).
  • At the E-Services Page, hover your mouse over Member Info, and under that, click Actual Premiums. (Click HERE to see my video on this).

I also created a video to guide you on how, when, and where to pay your SSS Contributions.

Read Next: How to Invest in SSS Flexi Fund

Gov't Services SSS

From SSS Philippines: Relevant Policies regarding Pension / Retirement Plan

Last week, I received a letter from SSS about this blog post, entitled, For SSS Pension Plan: Should I pay the Maximum or the Minimum SSS Contribution?, which I published on March 21, 2015. It was so nice of them to reach out to me to clarify some items and to give me additional info regarding this matter.

But before that, I saw how this post became trending and record-breaking and how it brought my site’s performance to the top. I also received a lot of feedback and comments (both positive and negative) from different people who had the same question and who wanted to know the best answer.

Unfortunately, some of my readers got confused with my take on this question, but I thank all of you for your feedback and questions because it allowed me to research even more and update that blog post with more accurate answers backed by the Social Security System of the Philippines.

I asked them if I can share their letter on this site ( and thankfully they approved it. It was addressed to me: Pinay Investor, and it was written by the Vice President of Public Affairs and Special Events Division, Marissu G. Bugante, but the one who emailed me was Ma. Luisa “Louie” Sebastian, Assistant Vice President of the Media Affairs Department, SSS Philippines.

Below are the contents of the letter:

Relevant Policies regarding SSS Pension / Retirement Plan:

  1. The computation of SSS pensions as provided by the Social Security law is based on a member’s number of contributions as well as the amount of contributions paid. The SSS computes pensions based on the average of all contributions paid by the member from the date of coverage or the average of contributions for the last five years; whichever yields the higher amount is used for the computation.


  1. The monthly contribution of a member is based on actual compensation for an employed member or the declared earnings for a self-employed/voluntary/OFW member. Changes in the Monthly Salary Credit (MSC) are governed by policies to avoid anti-selection such as undue jacking up of contributions prior to a contingency such as retirement.


  1. A self-employed or voluntary member (including an OFW and non-working spouse), who is 55 years old and above, can only increase his/her MSC only once in a given calendar year and by one salary bracket only from the last posted MSC, except if:
  • He/she is changing membership type from employed/self-employed to voluntary or OFW for the first time; and
  • There is a higher maximum MSC under a new Schedule of Contributions, provided that he/she was paying at the maximum MSC under the immediately preceding Schedule of Contributions. Any change thereafter will be governed by existing rules.

Please refer to the SSS Circular No. 2015-007 (below) which governs changes in policies on SE/VM/OFW/NWS Contributions (Annex A).

SSS Circular No. 2015-007
SSS Circular No. 2015-007
  1. With reference to the illustration you showed in your blog site, since Patrick and Kevin are employed members, the basis of their contributions/MSC is their actual compensation so it is not possible for them to just choose any MSC or change to a higher MSC.


  1. But if Patrick and Kevin are self-employed or voluntary members, you may refer to the matrix on the next page to illustrate the SSS pension computation of Patrick and Kevin:


  1. The example cited above should be analyzed not only in consideration of one’s retirement benefit but also under the whole range of benefits provided by SSS: sickness, maternity, death disability and retirement. Using the given example where both Patrick and Kevin started paying SSS Contributions at the same time, the following are possible scenarios.



Thank you very much Ms. Louie and SSS Philippines for allowing me to post your letter on my website. I’m excited for more of our future partnerships.

SSS-letter-for-Pinay Investor

And thank you to all my readers for your continued trust and support. I hope you found this information helpful and I hope all your questions and concerns have been addressed by SSS on this post. For other SSS concerns, you may email their Member Relations Department at

You may also send your questions to me privately or through the comment section below and I will try my best to send it to them and hopefully we hear from them as soon as possible.

Gov't Services SSS

For SSS Pension Plan: Should I pay the Maximum or the Minimum SSS Contribution?

My brother is an OFW in Saudi Arabia and he pays his maximum SSS contribution quarterly. I was surprised when he sent me a private message on Facebook and asked me if he should continue paying the maximum SSS contribution. When I asked why, he gave me the link to this video from ANC On the Money and he added that he thinks it’s unfair to pay for the maximum amount when what he’s going to receive for his pension is the same as the other members who pay less.

I got confused with what he said so I watched the video first.

ANC On the Money Video: When to Pay the Maximum SSS Contribution

Salve Duplito, ANC On the Money’s resident financial adviser, shared a question that one of their viewers asked regarding this topic. The viewer, named Noel, is currently paying the maximum amount of his SSS contribution voluntarily and he asked if it’s better to pay the minimum amount instead, since the SSS pension plan is computed based on 60 consecutive months or 5 years before retirement. He explained his point of argument using the examples below based on how he understood the process.

Paying the Maximum and the Minimum Amount for SSS Contribution (Courtesy of ANC On the Money)

Before we discuss this further, let me share with you these resources from ANC On the Money and SSS Philippines website, to know how to compute for SSS Monthly Pension benefit.

ANC On the Money Video: Computation for SSS Monthly Pension Benefit  

Courtesy of ANC On the Money - Computation for SSS Pension Benefit
Courtesy of ANC On the Money – Computation for SSS Pension Benefit

Computation for Monthly Pension, courtesy of the SSS of the Philippines. (Click the link for the complete details.)

Monthly Pension

  • Benefit Computation

The monthly pension depends on the member’s paid contributions,  his credited years of service (CYS), and the number of his dependent minor children that must not exceed five. The monthly pension will be the highest amount resulting from either one of these three pension formulae:

  1. the sum of P300 plus 20 percent of the average monthly salary credit plus two percent of the average monthly salary credit for each credited year of service (CYS) in excess of ten years; or
  2. forty (40) percent of the average monthly salary credit; or
  3. P1,200, if the CYS is at least 10 but less than 20; or P2,400, if the CYS is 20 or more. 

Don’t be confused with the computation for the SSS pension plan because it’s different from the computation of the other SSS benefits such as Calamity, Maternity, and Sickness because the latter is based from the actual or most recent contributions.

Going back, here is Salve’s take on the viewer’s question of whether he should pay the maximum contribution or less?

Salve says, “the Social Security System doesn’t allow massive jumps in the contribution rate. The increase has to happen gradually. Thus, you can only increase your contribution a couple of hundreds per year”.

From the example above, it only means that Kevin is NOT ALLOWED to increase his contribution from the minimum amount of P110 to the maximum amount of P1,760 within a given year. Again, the increase has to happen gradually.

SSS Contribution Table as of March 2015
SSS Contribution Table as of March 2015

Looking at the contribution table above, if Kevin is self-employed or a voluntary member, he can only increase his MSC (Monthly Salary Credit) only once in a given calendar year and by one salary bracket only from the last posted MSC, with some exemptions, which I will share in the next post. So if he is currently paying P110 per month for his SSS contribution, he can only increase it to P165 the next year.

CONCLUSION: For Kevin to be able to pay the highest contribution by age 55 (60 months or 5 years before he retires at 60), he should have increased his contributions gradually starting from age 26.

It is still better to pay the maximum amount of SSS contribution if you can afford it to be able to get the maximum benefits, not only for your Retirement or Pension plan, but also for the other benefits provided by SSS including sickness, maternity, death, and disability.

But let’s not also forget that SSS is not the only option to secure ourselves and our future. We can also consider other instruments like health insurance, life insurance, and Variable Life Insurace (VUL) that offer both health or death benefit and an investment feature. If you are more of an aggressive type of investor, you can also invest in other investment vehicles like the stock market or mutual funds for your future needs.  Like what Salve Duplito said, “It is never a good idea to depend on the Social Security System solely for you retirement. As long as the maximum allowable contributions stay low, the benefits they will provide will continue to be insufficient.”

On my next post, I will share with you a very detailed explanation about this topic that was sent by the Social Security System of the Philippines, exclusively for Pinay Investor and to all the readers of this website. Click HERE to read that post.

Sources: Security System of the Philippines, Salve Duplito, ANC on the Money,,  and the viewer who raised the question

Disclaimer: I’m not affiliated with the Social Security System of the Philippines. Some of  the information here are only based from my own opinion and on how I understood it. If you need a more accurate information of your SSS membership and contributions, please contact SSS directly.

Read Next: Step-by-Step Guide for SSS Loan Application, Requirements, and Payment

Gov't Services SSS

Tips on How to Successfully Register for SSS Online Account

CLICK HERE TO READ: 2018 Complete Step-by-Step Guide to Register your SSS Account Online

I was overwhelmed with the unexpected number of comments and private emails that I received on my post about  How to Register or Sign-up for SSS ONLINE Membership Account.

Most if not all of us want to register online to be able to access our SSS account without having to go the branch personally. However, there are some challenges/issues that we might encounter during the process so I wrote this post to somehow help address these issues by doing it myself and sharing some possible workarounds based from my experience. 

And since SSS updated the looks of their website and the post that I’ve previously written was based from the old one, I decided to register again (using my MIL’s account) and took screenshots so that I could share it to those who need it. And hopefully it helps.  So here we go..

1. Go to

If this is your first time to register, Hit “Click here”


2. Fill out this form with the required information, enter the code at the bottom, and hit Submit.


 3. Once you hit Submit, this small box will appear and just hit OK to continue.

This is where most online applicants/registrants (including myself) encountered issues and got stuck.

If you’re using Google Chrome, Safari, Mozilla or any other browser except IE when you accessed the website, then that may be the culprit.

So here’s the TIP: Open Internet Explorer (IE), do steps 1 and 2, and hopefully this solves the issue. The cause? Well, not sure  but SSS recommends using IE because that’s where this website works best. 


4. Enter an email address that has never been used/registered on this website. 

This is another issue that some registrants had encountered (including myself again). 

Like I said earlier, for the sake of creating this post and taking screenshots of the procedures, I tried to register using my MIL’s SSS account. And because she doesn’t have an email address, I tried to use mine and this error message in red was what I got. So again, here’s the TIP: use a different email address or better yet, sign up for a new one if you continue to receive this error message.


5. As soon as the email address that you entered is accepted, you’ll see this confirmation and just follow what it says. 


6. Check your email and click on the link that was sent by to proceed with your registration.


7. Fill out all the required information for the Online Member User ID Registration. Follow the instructions/notes carefully and hit Submit.

Your registration application will then be validated by SSS and you will be informed of the validation results through your email. It took me an hour the last time I tried it. I just can’t proceed with this application because my MIL is a voluntary member who has not paid her contributions in years and has no available receipts of her previous payments which is required here. 


 8. Once you receive the confirmation in your email, you may now login to your SSS online account and start viewing your contributions, loans, etc. Feel free to explore the different features on the website.

CLICK HERE TO READ: 2018 Complete Step-by-Step Guide to Register your SSS Account Online

Good luck and I hope you’ll all be able to register successfully. 

Just a disclaimer, I’m in no way affiliated with SSS. This post is for informational purposes only. Should you have other concerns regarding your SSS membership, please contact SSS directly. 

Other than that, feel free to post your comments, suggestions, or questions below. 

Check out my video tutorial on How to Register your SSS Account Online!

Check out my video tutorial on How to Check SSS Contributions Online in less than 5 minutes!

CLICK HERE TO READ: 2018 Complete Step-by-Step Guide to Register your SSS Account Online

Gov't Services SSS

How to Register or Sign-up for SSS ONLINE Membership Account

My sister saw me while I was checking my actual premiums on my SSS Online account. She asked me how she could also view her premiums as member of the Philippine Social Security System so I walked her through the registration process. While we’re doing it, I thought it would be a good idea to share this process to my readers as well. So I took screenshots of all the steps that we went through and here they are…

  1. Go to and click Sign Up as a Member SSS - step 1
  2. Fill out the Online Member User ID Registration Form, Enter the Code at the bottom, and hit Submit

SSS - step 2

CLICK HERE TO READ: 2018 Complete Step-by-Step Guide to Register your SSS Account Online

  1. You should see this Confirmation once you hit submit SSS - step 3
  2. Check your email account. You should receive an email with the subject SSS Website Email Validation. Then click the link.

SSS - step 4

  1. You’ll be redirected to this page which is the continuation of the registration form. The upper portion is already auto-populated with the information you’ve entered earlier.

SSS - step 5

  1. If you’re a pensioner, tick on the YES radio button and enter the required information. SSS - step 6
  2. If you’re not a pensioner,  tick on NO and click the option that applies to you (employed, self-employed, etc…)

*If Self-Employed / Voluntary  / Non-working Spouse / Overseas Contract Worker,

Provide any RECEIPT NO. Found on the RSS Receipt Form of SSS

(Please read the instructions on the form)

*For Employed / Household,

Provide any 13-digit SS Employer ID/Household SS Number where you worked for at least six months .

(For Employed, you may ask for your company’s Employer ID from your HR Staff)

(For Household, ask your boss or the person who you work for)

Check the box for the Terms and Conditions. Then hit Submit.

SSS - step 7

  1. You’ll then receive this confirmation SSS - step 8
  2. Check your email. You should receive an email with the subject SSS Website Registration. (Note: This may take a while. Mine took an hour before I receive this email)

SSS - step 9

*Once you receive the confirmation email, you may now log in to your SSS online account.

Click on the link or go back to


Enter your User ID and Password.

SSS - step 10

*Once you log in successfully, you’ll be able to see the Main Menu of your SSS Online Account.

Click Online Inquiry, then Actual Premiums if you want to check your actual premiums.

login info

member info

Here’s a sample:


There are other available options and information that you can find on the website. Just explore it by clicking the drop-down menu or the tabs on top.

Based on my experience, the SSS website is usually slow during weekdays. So if you want to register or check your SSS online, do it on weekends.


Check out my video tutorial on How to Register your SSS Account Online!

Check out my video tutorial on How to Check SSS Contributions Online in less than 5 minutes!

Should you have questions or inquiries, you may contact them directly through the following contact information which I got from their website:

Trunkline No. (632) 920-6401 / SSS Call Center: 920-6446 to 55 / SSS Email: /SSS Facebook: