Deadline of SSS Monthly Contribution Payments for 2018 EXTENDED!

Na-late ka ba sa pagbabayad ng SSS contributions mo ngayong 2018? 

Actually, hindi ka nag-iisa dahil maraming SSS members ang hindi nakapagbayad on time dahil sa bagong sistema ng SSS sa paggamit ng Payment Request Number or PRN.  CONTINUE READING

13th Month Pension ng SSS, sino nga ba ang makakatanggap?

SSS Pensioners are already excited to receive their 13th month bonus from the Social Security System.

But who really are eligible to receive the 13th month pension and when is it going to be released?

What is SSS 13th Month Pension? 

The 13th month pension is an additional cash benefit given to SSS pensioners, except for partial disability pensioners whose pension duration is less than 12 months.

The SSS pension fund started providing 13th month pensions, which is equivalent to one-month basic pension, in December 1988.

Who can receive the 13th month pension? 

  • All Pensioners
  • Partial Disability Pensioners with approved pension of 12 months or more.
  • Death survivors
  • Retiree pensioners

    What You Need to Know About the Expanded Maternity Leave Bill

    One of the most interesting topics that SSS female members have been discussing right now is the Expanded Maternity Leave bill.

    Basically, what this Expanded Maternity Leave bill wants to happen is to increase the number of paid maternity leave days of pregnant women who are SSS members.

    From  the current 60 days maternity leave (for normal delivery) and 78 days maternity leave (for C-section delivery), it will be increased to 105 paid maternity leave days once the Expanded Maternity Leave becomes a law.

    Isn’t that exciting? 

    For moms like me, 105 days of paid maternity leave is a big deal.

    It’s nothing compared to what other countries offer, like in Canada, I think new moms can avail of paid maternity leave for one year. In other countries, they have longer maternity leave period compared to what we have here in the Philippines.

    I’m sure many families will enjoy the benefits of the Expanded Maternity Leave law once it’s approved and implemented.

    I remember, when I got pregnant with my child, my pregnancy was complicated and I was ordered to go on bed rest for one year without pay. Imagine how difficult it must have been for our starting family to pay for all my check ups, medicines, and laboratories, on a single income.

    Thanks to SSS for my 78 days of paid maternity leave. I was able to receive Php 39,000. That amount was a big help, but it wasn’t enough.

    And because I had been on leave for a year (without pay), I had to go back to work right after I gave birth to earn money to help my husband with all our expenses.

    And it was difficult – physically and emotionally. 

    It was physically difficult because my body, having undergone C-section operation, was still healing and recovering. I also suffered from headaches, difficulty in breathing, muscle pains, and severe stomach pains. I’ve been in and out of the hospital after I gave birth.

    It was emotionally difficult because it wasn’t easy to be parted with my newly born baby.

    When I went back to work, I had severe depression from being away from my child. It was emotionally challenging. I would always cry at the office. And because I couldn’t handle it anymore, I decided to resign from my job to focus on my child.

    Why you should be excited about the Expanded Maternity Leave bill? 

    Once the Expanded Maternity Leave bill has been approved, new moms will have more time to heal and recover physically, and have more days to be with and to care for their child.

    What’s even more exciting is that the increased number of maternity leave comes with a pay which is a huge help in our finances.

    What else should you know about the Expanded Maternity Leave Bill?  CONTINUE READING

    SSS Partner Banks and Non-Bank Partners that Accept SSS Contribution using PRN

    Early this year, the Philippine Social Security System implemented a new way of paying SSS contributions, and that is by using the member’s Payment Reference Number or PRN.

    The PRN is different from CRN (Common Reference Number) or SSS number.

    The PRN can be found online by logging in to your SSS online account through My.SSS or by going to SSS website at

    If you don’t have an account online or if you can’t login to My.SSS successfully, you may request for your SSS Payment Reference Number at the SSS branch or any payment channel or partner.

    What’s good about this Payment Reference Number is that your contributions are posted real-time.

    Before, it would take days for it to show up on your account specially if you pay at any SSS payment partners. This results to a delay in the processing of SSS benefits.

    Where to Pay SSS Contributions Using Payment Reference Number (PRN) 

    When the SSS started implementing the usage of PRN, there was only a limited number of SSS payment partners that accept SSS contributions.

    But as of this writing, SSS has now 15 partner banks and non-bank partners that accept SSS contributions using PRN.

    For Employers CONTINUE READING

    SSS Salary Loan Application, Requirements, Payment, Interest Rates and FAQs

    Applying for SSS salary loan is one of the benefits that qualified SSS members can enjoy.

    Many SSS members take advantage of the SSS salary loan because it’s not only easy to file but it’s also affordable to pay.

    If you have a financial emergency or you need cash immediately, you may apply for SSS salary loan, provided you meet the following criteria or eligibility requirements:

    • You are an SSS member
    • You are below 65 years old at the time of application
    • You have made at least 36 months contributions to the SSS if you’re applying for a 1-month salary loan
    • You have made at least 72 months contributions to the SSS if you’re applying for a 2-month salary loan
    • You have made at least 6 months contributions in the last twelve months

    If you have other existing loans from the Philippine Social Security System, make sure that your payments are up-to-date.

    If you’re employed, make sure that your employer remits your monthly contributions and loan payments. You may ask your HR officer about these or you may login to My.SSS to access your SSS contributions and statement of loan balances.

    Also, make sure that you have not been granted any final benefits like retirement benefit to apply for a salary loan from the SSS.

    What are the Requirements for SSS Salary Loan

    1. UMID or SSS ID or E-6 Form (acknowledgement stub)
    2. SSS Salary Loan Application form – download here
    3. Valid ID with photo and signature

    How to Apply for SSS Salary Loan CONTINUE READING

    How to Send SSS Maternity Notification via TEXT or SMS

    Some SSS members are still unaware that they have to notify the SSS office of their pregnancy as one of the requirements to be able to avail of the SSS Maternity Benefit.

    And this often causes issues when claiming their maternity benefit.

    If you are an SSS member and you are planning to apply for SSS maternity benefit, make sure that you notify the SSS immediately.

    • For employed members, you need to notify your employer about your pregnancy.
    • For individually paying members like self-employed, voluntary, and OFW members, you need to notify SSS directly.

    Notifying the SSS is done by filling out the SSS Maternity Notification Form and by submitting documents to prove your pregnancy such as an Ultrasound Report and/or a Medical Certificate from your OB-Gyne.

    Ways to Submit SSS Maternity Notification

    1. Employed Members – submit your maternity notification to your employer through your HR Officer.
    2. Self-employed, Voluntary, OFW Members – submit your maternity notification directly to SSS through any of the following options:
      • ONLINE – Login to My.SSS ( with your Username and Password
      • SSS OFFICE – Submit your Maternity Notification at any SSS branch
      • TEXT/SMS – Submit your Maternity Notification through Text or SMS

    When submitting your maternity notification to SSS, make sure you have the following info:

    • expected date of delivery
    • number of delivery
    • date of last delivery or miscarriage

    How to Submit SSS Maternity Notification via TEXT or SMS

    Notifying SSS of your pregnancy has been made easier and convenient because you just have to submit it through TEXT or SMS.

    Yes, you no longer need to personally go to the SSS branch to do this, which saves you time and effort.

    How do you do this?

    Just simply follow this format:

    • SSS MATERNITYNOTIF <SSNumber> <PIN> <Expected Delivery Date MM/DD/YYYY> <Total Number of Pregnancies (including this pregnancy)>

    Then send this text message to 2600.

    How much is the Fee for the TEXT Notification

    • ₱2.50 for Globe/Touch Mobile and Smart subscribers
    • ₱2.00 for Sun Cellular subscribers

    You will receive a confirmation once the maternity notification is successfully received by SSS.

    Is this Text-SSS Facility available to all Members

    It is available to all, however, for maternity notification purposes, only individually-paying members can notify SSS of their pregnancy via TEXT.

    Employed members must still inform their employers about their pregnancy.

    SSS Maternity Notification Requirements

    When you notify SSS using the Text-SSS facility, you will not be required initially to submit a proof of pregnancy.

    You will only submit the proof of pregnancy to SSS once you apply for reimbursement of your SSS maternity benefit.

    For the list of other maternity benefit requirements and computation, click here.

    Click here to read: 

    How to Compute for SSS Maternity Benefit
    MUST KNOW: Employers Pay SSS Sickness and Maternity Benefits in Advance
    How to Get PRN Online through My.SSS

    How to Check your SSS Contributions Online this 2018 CONTINUE READING

    SSS Loan Restructuring Program is Available Again this 2018

    The SSS Loan Restructuring Program or SSS LRP will be available again starting April 2, 2018.

    To all SSS members who have past due loans with the Social Security System, this is your chance to finally pay off your loans. With LRP, your loan penalties will be condoned or deducted from your loan balance which will make it easier for you to settle your loan.

    Why apply for SSS Loan Restructuring Program 2018

    In an example that I have shared in a previous post, an SSS member who had a total SSS loan balance of ₱67,000, saved nearly half of this amount after she availed of the SSS Loan Restructuring Program (SSS Condonation) in August 2016.

    How come her loan balance is that big? Well, let’s take a look at the details here:

    • She availed of the SSS Salary Loan amounting to ₱18,000 in June 2005
    • After almost 11 years of not paying her loan, the Interest ballooned to ₱17,500 and the Penalty incurred was ₱31,500.
    • Her TOTAL Loan Balance became Php 67,500. 

    As you can see, the total loan balance was already more than 3 times the amount of the loan that she received a decade ago.

    And like any ordinary SSS member, this amount is too much to be paid off and she couldn’t afford to pay it anymore. She didn’t even think of continuing her membership with the SSS because she thought she could no longer pay off her loan.

    But things changed when the SSS offered the first SSS Loan Restructuring Program in 2016. She went to the SSS branch to personally inquire about the LRP. After the SSS officer explained to her the details of the SSS condonation program, she committed to pay off her SSS loan balance within 1 year or 12 months.

    And because of the SSS Loan Restructuring Program, she only paid ₱37,000 instead of ₱67,000. The penalty was completely waived or deducted from the Total Loan Amount.

    After 12 months, her SSS loan balance was fully paid off. 

    That’s how helpful this SSS Loan Restructuring Program is and this is exactly why the Social Security System is encouraging all SSS members with past due loans to pay off their loans while the SSS LRP is still available.

    Take note: This LRP won’t be available for a long time.

    In fact, this second Loan Restructuring Program will only be available from April 2 to October 1, 2018. That’s only 6 months compared to the first LRP which was available for 1 year from April 28, 2016 to April 27, 2017.

    And they made the second LRP available one year after the first one ended in April 2017. So, don’t wait for the third LRP as it may take a while, or who knows, it may never happen again.

    Grab this opportunity to pay off your past due loans from the SSS while the Loan Restructuring is still available. Check out all the details below on how you can apply for LRP.

    What is Loan Restructuring Program? 

    SSS Loan Restructuring Program or LRP is a program of the Social Security System that aims to help SSS members pay off their past due loans by deducting their loan penalties from their total loan balance.

    It is also SSS’ way of helping those who were affected by calamities and disasters in different parts of the Philippines who could not pay off their loans, thus, they’re unable to avail of SSS benefits or apply for additional loans for their immediate needs.

    Who CAN Apply for SSS Loan Restructuring Program? 

    1. All member-borrowers who have past due loans including:

    • Salary Loan
    • Emergency Loan
    • Educational Loan (old)
    • Study Now Pay Later Plan
    • Voc-Tech Loans
    • Y2K Loans
    • Investments Incentive Loan.

    Important: To qualify under the second LRP, the loan must be past due for at least six months from the start of the second implementation of LRP, which is on April 2.

    2. All member-borrowers must be residing or working as of the date of the disaster in a calamity/disaster-stricken area declared by the National Disaster Risk Reduction and Management Council (NDRRMC) or in the case of Ondoy, by the National Government.

    Click here: Complete List of Calamity or Disaster-stricken Areas in the Philippines

    Even if you were not directly affected by these calamities or disasters, it is possible that your place was once included under state of calamity.

    For example, during typhoon Ondoy in 2009, not all areas in NCR were flooded and not all residents were affected. But you know what, the entire NCR or National Capital Region, including Metro Manila was declared by the national government under State of Calamity.

    Therefore, if you were working or residing anywhere in Metro Manila during typhoon Ondoy or even right now when you apply for LRP, you are still eligible.

    Who CANNOT Apply for LRP? 

    1. SSS members who have approved LRP applications in 2016 to 2017 are no longer qualified to apply under the second LRP.

    2. SSS members who have been granted with any final benefit claim like retirement, total permanent disability and death prior to the LRP availment period are not qualified to apply for LRP. CONTINUE READING

    How I Successfully Registered to My.SSS in 7 Easy Steps

    Are you having a hard time registering to My.SSS or the online platform of the Social Social Security System?

    Have you been wanting to check your SSS contributions online but couldn’t do so because you’re not yet registered?

    Don’t worry, because in this post, I’ll share with you the 7 easy steps to register to My.SSS based from my own experience.

    Yes, that’s right. I just registered my mom’s SSS account online and the process was pretty quick and simple. And that’s exactly why I want to share it with you too. Let’s start…

    7 Easy Steps for SSS Online Registration

    Step 1

    Go to Click the ‘Click Here’ button under ‘Not Yet Registered in My.SSS’ (see screenshot below).

    Step 2

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

    • Savings Account Number
    • Mobile Number Registered in SSS
    • UMID Card
    • Employer ID Number
    • Payment Reference Number

    Since my mom has just recently paid her SSS loan and she still has a copy of the Payment Receipt from SSS, we chose the option for Payment Receipt Transaction Number.

    Step 3

    In the Online User ID Registration, enter all the required information correctly.

    After you filled out the form, enter the code in the blank box at the bottom of the page, then tick the smaller box to accept the Terms of Service, and finally click Submit.

    Step 4

    Upon successful registration, a confirmation message will show up on the screen which looks like the screenshot below.

    The system notification will be sent to within 30 minutes. I got mine only after 5 minutes.

    Step 5

    Check your inbox to see if the system notification from SSS is already there. The subject of the email is SSS Web Registration and it should come from Open the email and look for the User ID and the link to activate your My.SSS account. 

    Make sure to activate your account within 5 working days, otherwise, the activation link will expire and you will have to repeat the registration process.

    Step 6

    Below your User ID, click the Activation Link. It will redirect you to another page where you’re going to set your Password. Make sure to follow these guidelines:

    • Length – must be 8-20 alpha-numeric characters.
    • First character – must be alphabetic.
    • No special characters – must be different from the User ID

    Step 7

    Once your password is updated, you will automatically be logged in to your SSS online account.

    These 7 simple steps can help you register in My.SSS easily. If you encounter any issues during the SSS online registration process, check my other tips below.

    Tips for Successful SSS Online Registration

    1. Use Internet Explorer to access the SSS website.
    2. Use an email address that is active and that has not been used before to register to My.SSS.
    3. If you don’t receive the notification on your email inbox, check your spam folder to see if it’s there.
    4. If the SSS site is down or slow, try accessing it during weeknights or weekends instead.
    5. If all else fail, try to visit the nearest SSS branch, go to the e-Services desk, and ask how you can register to My.SSS.

    It’s easier to check your SSS contributions online if you are registered to My.SSS. Aside from that, the SSS also provides many services through this online platform. So, if you’re not registered yet, go ahead and register now.

    To read more helpful articles about SSS, click the links below:

    How to Check your SSS Contributions Online this 2018
    SSS Contribution Table 2018: How much should you pay to SSS as a Member?

    How to Get PRN Online through My.SSS (and everything you need to know about PRN) CONTINUE READING