What to Do if Your SSS Contributions are Not Posted

Checking on your SSS contributions, whether you are employed or paying on your own, is something everyone should do regularly.

Also Read: 7 Benefits as a Member of SSS

There are many ways to check on your SSS contributions. It is no longer as difficult as it used to be. Yet, very few people actually take the time to check. Even less wonder about what if, after checking, they find out that their contributions have not posted.

Now, before you think that some bad employers are guilty of non-remittance or SSS is actually filled with inefficient staff, here are the things you need to know and do first.


Understand your rights and know why it is important

Yep, knowing is a big deal. But seriously, it’s not enough that you are checking on your contributions just because you feel like it. You should be checking because it is important to do so. If you don’t have a good reason yet, finding out why people do so may give you the boost you need to get in on the habit.

Knowing your rights

Under Section 28 (Penal clause) of the SS Law, employees are subject to deductions remitted to SSS. Self-employed individuals are also mandated by law to comply with the same legal obligations.

Failure or refusal to do so are covered by penal sanctions: a fine amounting to anywhere from Ph5,000.00 to Php20,000.00 and imprisonment of six years and one day up to 12 years without benefit of probation.

The same penalty applies when any attempt to defraud SSS is made through either of the following:

  • false statements were made in connection with any claim for benefit or application for loan
  • receiving money under the SS Act without being entitled to
  • altering, forging, or counterfeiting any device prescribed for the collection or payment of any required contribution

What to look out for when checking on your SSS contribution

For you to want to verify your monthly SSS premiums and do it on a regular basis, you need to know that it is worth the time and trouble you would spend.

  • If you are privately employed, you would want to make sure that your employer is actually remitting the contribution and doing so with the correct amount and on schedule.
  • For self-employed or voluntary members, regularly monitoring your SSS contributions will immediately notify you of any missed or incorrect payments. This means you can immediately take action and make the necessary adjustments as soon as possible.
  • Failure to do so, when found, can also translate to corresponding fines or imprisonment of six to 12 years to employers or self-employed individuals.

Why it is important to be meticulous about your contribution payments

Naturally, there are reasons you want the correct amount paid for and posted on schedule. Here are some of the most basic reasons to be meticulous about your SSS contributions:

  • To meet the qualifying requirements when availing for an SSS loan or benefit
  • When availing loans or other SSS benefits, there usually is a required minimum number of monthly contributions within a certain period.
  • For an SSS loan, for instance, at least 36 posted monthly contributions and activity over the past 6 months are required from members.
  • When availing of a sickness or maternity benefit, SSS requires a minimum of three monthly contributions within 12 months immediately before the getting sick or injured, or before giving birth.

Checking Your SSS Contribution

Gone are the days of the old and slow system where your only option when tracking your monthly SSS contribution is to visit an SSS branch. These days, there are multiple options available, and it could be done in as little as five minutes. The follow-ups, the commute, and even the queues have all but disappeared.

Surprisingly, some people remain unaware of these options. To help you find the most convenient way to check on your SSS premiums, we have rounded up the different ways of doing so:


  • Via My.SSS service Portal on the SSS website

Depending on your actual internet connection speed, you can check on your SSS contributions over at the SSS website in less than five minutes. This can be done via the My.SSS service portal, which can be found on the panel at the right side of the SSS website’s homepage. Once you find it, you can log in, enter the Member’s page, and find your Actual Premiums to check all your paid monthly contributions.

If you need assistance in doing so, then here are the steps to help you find your way around the My.SSS service portal:

Step 1: Open an Internet Explorer (IE) browser and navigate to the SSS website. If you’re using another browser (i.e. Google Chrome, Mozilla Firefox, or Safari), then a message prompt will appear on the screen when you reach the SSS homepage.

Step 2: Make sure you have a My.SSS account. If you do, then on the right side of the page, you will find a panel where you will need to enter your My.SSS user ID and password.

If you don’t have an account yet, then you can simply register for an online account by following these steps:

  • Go to the SSS online registration page and choose which information you have available:
    • Savings Account Number / Citibank Cash Card / UBP Quick Card / UMID – ATM Saving Account Number Registered in SSS
    • Mobile Number Registered in SSS
    • Employer ID Number / Household Employer ID Number
    • Payment Reference Number / SBR No. / Payment Receipt Transaction Number
  • Completely fill out the online form. Take note of the following tips:
    • If your last name and/or given name exceeds the character limit, just use the format of your name on your SSS ID or UMID card. You may contact SSS through its hotline (920-6446 to 55) if you don’t have your ID card right now.
    • You can leave the Middle Name field blank if you don’t have a middle name.
    • To input your date of birth, use the drop-down calendar to prevent an error in your SSS online registration.
    • If you’ve chosen “UMID CARD” in Step 1, the online form will ask for your UMID card pin code.
    • Don’t have the pin code yet? You have to activate your UMID card first in the SSS information terminal at select SSS branches.
    • Don’t forget to enter the captcha code at the bottom of the page and tick the small box next to “I accept the Terms of Service.”
  • Once done, click Submit.
  • When you see the notification confirming successful registration, click OK.
  • You will receive an email from web.notifications@sss.gov.ph within 30 minutes after you submit your online membership application. This will give them time to validate your provided information against the original records. If they match, you will receive the activation link and your user ID via email.

If you have an account but you forgot your username or password, then simply click click on “Forgot User ID or Password?” under the Submit button. You will be redirected to a page where you’ll have to key in your user ID (if you forgot your password) or your email address (if you forgot both user ID and password.) Once filled out, click Submit. Then, check your email for instructions from SSS about the retrieval or reset of your My.SSS account login details.

Step 3: Once logged in, go to the SSS Contribution Inquiry page.

To do so, simply hover your mouse over the E-Services tab. Then click Inquiry and you will be redirected to the SSS Member Inquiry Page. This page will show you all your SSS membership information.

Step 4: Then, click Member, then Actual Premiums. This should show you the Contributions – Actual Premiums page which details all the monthly contributions you have paid since joining SSS. This should also show the months with no postings – whether because you missed your payments, your employer has not remitted payments yet, or your payment has not yet posted.

Step 5: If you wish to have it printed, then you should be able to do so y clicking the Print button on the page.

  • Via the new SSS Member Portal

The Social Security System (SSS) has recently created a new and more user-friendly member portal. It is still in beta stage, but it has a clean interface that works well with newer browsers like Google Chrome and is also mobile-friendly.

Step 1: Open the new SSS member portal by going to https://portal.sss.gov.ph. Tap the Click Here to Enter button.

Step 2: Enter your User ID and Password, then click Login.

Step 3: Upon logging in, you will see four boxes, namely My Information, My Contributions, Electronic Services, and Generate PRN/SOA. Click My Contributions to view information about your monthly contributions, your self-employed/voluntary (SE/VM) payments, and your employment history.

Step 4: Click the Monthly Contributions box to see all the payments you’ve made from the beginning. Or, click SE/VM Payments to see all your self-employed or voluntary member payments, if applicable.

  • Via the SSS Mobile App

Just like the new SSS Member portal, the SSS Mobile App is pretty straightforward. To use it, you just need to:

Step 1: Open the SSS Mobile App and Enter your user ID and password.

Step 2: The SSS Mobile App should show the following tabs: My Information, My Loans, My Contributions, My Benefits, Maternity Notification, and Generate Payment Reference Number (PRN) / SOA. To view the monthly premium, click My Contributions.

This will show the total number of contributions posted, the total amount of contribution, as well as the month and year when remittance of SSS contributions started.

Also available via the SSS Mobile App are sickness, maternity, disability and retirement claim information; Employees Compensation (EC) Medical status; salary loan application status and outstanding balance; location of SSS branch offices; and documentary requirements for SSS membership, benefit claims application (i.e. sickness, maternity, EC Medical, disability, retirement, funeral and death), personal data amendment, and UMID Card enrollment.

SMS via the Text-SSS facility

Another way to check posted SSS contributions is through the Text-SSS facility. This is an SMS-based service that allows SSS members to inquire about their contributions, loan status and balance, and other information.

To use it, you will need to do the following:

Step 1: Register via SMS by sending your SSS number and birth date in this format: SSS<space>REG<space>10-digit SSS number<space>MM/DD/YYYY to 2600. After registration, you should receive a four-digit PIN.

Step 2: To check your SSS contributions, simply send SSS<space>CONTRIB<space>10-digit SSS number<space>4-digit PIN to 2600.

Note that the Text-SSS service is not free. Each text costs PHP 2.50 (for Globe and Smart subscribers) and PHP 2.00 (for Sun Cellular subscribers).


If the options above didn’t work, you may verify your contributions by sending an email to member_relations@sss.gov.ph or onlineserviceassistance@sss.gov.ph. Just make sure you include the following information when you do:

  • Your SSS number
  • Full name
  • Birth date
  • One (1) primary ID such as Passport, Driver’s License, Birth Certificate or two (2) secondary IDs like your Postal ID or Company ID

Personal inquiry at the SSS office

Naturally, if all else fails or you find dealing with technology too taxing, then you can always verify your contributions in person. Visit the SSS main office at East Avenue, Quezon City. You may also avoid queues by setting an appointment via the SSS Member portal.

If You Still Can’t Find you Supposed SSS Contribution, File a Complaint

If, despite several verifications and constant follow-ups, your SSS contributions remain unposted or unpaid, then don’t wait any longer. Proactively assert your rights to social security protection and report your employer for non-remittance of SSS contributions to SSS (if employed).

How to File a Complaint for Failure to Remit SSS Contributions

Whether you are privately employed or self-employed, if your last contribution has not been posted after over a month, then you must contact the PRN Helpline (PRNHelpLine@sss.gov.ph) and inquire about the status of your last payment.

You may also file a non-remittance complaint by visiting the SSS branch closest to your business location. Present any proof of employment, like valid company ID, employment contract, pay slips, or income tax return that SSS can use as a basis for investigating the erring employer. Continue to monitor your SSS contribution payments while the investigation goes on.

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