When I was pregnant with my second child in 2022, I was excited to file for SSS Maternity Benefit and decided to use the Disbursement Account Enrollment Module for a more convenient way of receiving my benefits.
However, I encountered some difficulties as my application was rejected three times. It was frustrating, but I didn’t give up. I persisted and finally got approved, but it took two months after I gave birth to receive my SSS Benefit.
In this article, I’ll share my experience with the SSS DAEM and provide valuable tips to help expectant mothers avoid the same mistakes I made, so they can receive their benefits conveniently and on time.
The SSS Disbursement Account Enrollment Module (DAEM) is a feature in the My.SSS portal that allows employers and members to enroll their bank accounts for the direct crediting of SSS benefits and loan proceeds.
This feature is secure and convenient since it eliminates the need to visit an SSS branch. All you need to do is link your preferred bank account or e-wallet with your My.SSS profile and wait for the funds to be credited directly.
Enrolling in SSS DAEM is quite simple. Here are the steps you need to follow:
Step 1. Log in to your My.SSS account. Enter your User ID and Password, tick “I’m not a robot”, and click Submit.
Step 2. Click E-Services tab > Disbursement Modules > Disbursement Account Enrollment Module
Step 3. Read the Disbursement Account Enrollment Module. Tick “I certify that I have read and understood the foregoing reminders on account enrollment.” Click Proceed.
Step 4. Under the Enrollment tab, choose among the two enrollment options:
If you choose “Bank”, a note will be displayed on the screen that says,
The Bank Account Name should be the SAME as your SSS registered name. Please provide the correct Bank Account number and NOT the ATM card number. You may contact your bank to secure the correct account number.
After reading the note, click the “x” button at the upper right corner to close the box.
Choose your bank from the dropdown menu, then provide the information required in the module, such as Bank Account Number.
Here are the following banks supported in SSS DAEM:
If you choose “E-Wallet/RTC/CPO”, a note will be displayed on the screen that says,
E-wallet/RTC/CPO accounts are currently not being used by SSS for loan disbursement. If you will file a salary/calamity loan application, please enroll a bank account for crediting of your loan proceeds.
After reading the note, click the “x” button at the upper right corner to close the box.
Provide your active mobile number.
Aside from banks, some popular e-wallets below are also supported.
Step 5. Attach readable colored images in JPEG or PDF format of ALL the following supporting documents:
The proof of account will vary depending on if you choose Bank or e-wallet.
You may upload any of the following documents:
Just take a picture or scan any of those mentioned above. The file size must not exceed 3 MB and must be in JPG or PDF file format only.
In order to enroll in your e-wallet account, you must upload a screenshot of your mobile app account. Your name and mobile number must be visible just like the image below.
Here are some of the valid IDs you can upload in the process.
You must be holding your valid ID and proof of account. The image must be colored and clear. Proper attire is required and no face accessories must be worn.
The sample image is presented below.
Step 6. Tick the box to certify that the information presented are true and will be used in SSS transactions.
Click “Enroll” to proceed with the submission of the transaction.
Step 7. Click “OK” to continue.
Step 8. An Enrollment Confirmation screen will be displayed.
You will receive an email notification from SSS that the Disbursement Account Enrollment was successfully submitted and shall be evaluated.
Step 8. Upon evaluation, a second email will be sent by SSS to the member to confirm approval or rejection of the enrolled disbursement account.
If the disbursement account is rejected, the member will be informed of the rejection reason/s, with the advice to re-enroll a valid disbursement account or re-upload valid supporting attachments in DAEM.
Watch this video posted by SSS Official FB Page for DAEM Guide:
I gave birth to my second child in July 2022. On August 5, I tried complying with DAEM so that I can avail myself of the SSS Maternity Benefit.
However, it was rejected. I tried again on August 18 and September 16, but they were rejected again.
Well, because of my Selfie Photo. It says that the proof of account submitted for Bank/E-Wallet Account in Selfie or Photo is not the same as the uploaded proof of account.
I carefully followed all the instructions, but I didn’t know why it was always rejected.
After my third application, I sent an email to SSS informing them of my concern.
I didn’t receive a response from SSS, but on October 5, I finally received the good news that my SSS Maternity Benefit Application has been approved.
On why I only received Php 35,000 instead of the maximum SSS Maternity Benefit of Php 70,000, I’ll tell you more about it in a separate post.
Make sure your name and bank account number on your selfie photo are clear.
During my first two applications, I was holding my valid ID, a BPI ATM card with my name on it, and a screenshot of my BPI account number on my cellphone. It was rejected.
So, on my third application, instead of showing a screenshot of my BPI account number on my cellphone, this time I used an IPAD. The account number was clear and visible, and I think this was the reason why it was finally approved.
I don’t know if that was a case-to-case basis, but that was my experience, and I’m glad it finally worked for me.
Feel free to share your DAEM experience in the comments too!
Have you ever thought about what your life will look like when you retire? It…
Babies are bundles of joy, but they can also be bundles of expenses! From diapers…
Are you tired of feeling helpless and frustrated while waiting for months to receive your…
SSS Maternity Benefit is one of the many benefits of the Social Security System that…
My parents are both SSS pensioners living in the Philippines, and every year, they always…
The Social Security System (SSS) is a government agency in the Philippines that provides social…
View Comments
Its really takeshow many working days my burial assistance? Why it is so hassle to work on it ..