How to Make SSS Transactions Online and Checkless Disbursements

The Social Security System (SSS) on Monday, September 21, announced that mandatory online transactions and checkless disbursements are already in effect.

ALSO READ: How to Claim the SSS Unemployment Benefits 

The update aims to provide members, employers, pensioners, and beneficiaries/claimants a faster, safer, more convenient, and economical way to register, submit their loan and benefit applications, and receive their loan proceeds and cash benefits from SSS.

How to Make SSS Transactions Online and Checkless Disbursements
Credits: Philippine Social Security System / Facebook

Steps to Check SSS Transactions Online and Process Checkless Disbursements

In line with this, SSS President and CEO Aurora C. Ignacio said: “Aside from our full compliance with the requirements of Ease in Doing Business and Efficient Government Services Delivery Act of 2018 or Republic Act No. 11032, SSS continues its digitalization efforts through expansion and enhancement of our online service facilities for the benefit of the transacting public. It is also our way of supporting our healthcare workers in preventing the spread of COVID-19 since face-to-face interactions shall be limited within our branches.”

Mandatory online transactions include the filing of:

  • salary loans,
  • calamity loans,
  • Sickness Benefit Reimbursement Application (SBRA) for employers,
  • application of Social Security (SS) Number,
  • Employment Report (R1A),
  • submission of sickness and maternity notification,
  • unemployment benefit claims,
  • retirement benefit claims, and
  • funeral benefit claims with disbursement.

Filing of SSS Loan and Benefits Applications Online

Those who wish to proceed with online transactions with SSS must have a My.SSS account. Upon successful registration, they need to register their disbursement account through the Disbursement Account Enrollment Module (DAEM) for the disbursement of their loan and benefits.

Meanwhile, those who wish to receive their benefits via e-wallet or remittance transfer companies (RTCs)/cash pick-up outlets (CPOs) must also enroll their mobile number in the Bank Enrollment Module (BEM) via their My.SSS accounts. 

Applying for Retirement and Funeral Benefits Online

The SSS noted, however, that those who wish to avail of the retirement and funeral benefits via online application must present the following requirements:

  • SS Number
  • Unified Multi-purpose Identification (UMID) Card or an Application for a UMID Card

Meanwhile, non-SSS member claimants need to provide either:

  • a copy of their ATM card deposit slip if the disbursement account is a PESONet participating bank, or
  • their mobile number if their preferred disbursement is thru E-wallet via upgraded PayMaya or cash remittance via MLhuiller.

Retiree-applicants may submit their retirement claim applications online if they meet the following criteria: 

  • an active SS number;
  • not an underground/surface mineworker or a racehorse jockey;
  • not a self-employed member below 65 years old;
  • has no outstanding balances in Stock Investment Loan, Privatization Loan, Educational Loan, and Vocational Technology Loan; and
  • with any dependent minor child/ren.

Note: Members who do not meet the above criteria for retirement benefit claim application are advised to set an appointment with the nearest SSS branch.


Additionally, SSS also started the mandatory checkless disbursement of unemployment benefit, funeral benefit through their UMID Card enrolled as ATM Card/UnionBank Quick Card/PESO-Net participating bank/E-wallet/RTC/CPO.

Meanwhile, salary and calamity loans shall be disbursed through PESONet participating banks only.

If you have any queries regarding the latest announcement from the SSS, you may call the SSS member’s hotline at 1455. Alternatively, you may also follow their official Facebook pageInstagram Account, or Twitter Feed. Members may also log in to their My.SSS account for online verification services and or further queries.

ALSO READ: SSS Monthly Contribution Table & Schedule of Payment 2020

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