A person’s SSS membership must be kept active at all times. Keeping your information, contributions, and loan payments (if you have any) updated help you avoid inconveniences when claiming for your benefits later on.
But what if a member (whether employed or voluntary) or his employer fails to update the SSS contributions and payments? What are the effects of non-reporting and non-remittance of contributions to the SSS? Let us find out.
For Employed Members
The employees’ entitlement to his SSS benefits shall remain in spite of his employer’s failure to remit the necessary SSS contributions.
For Self-employed and Voluntary Members
It is important for self-employed individuals to know that they need to be registered members of the SSS, otherwise, they may be subjected to fines. Voluntary and self-employed members may pay their monthly contributions on time or in advance, but not retroactively. Meaning, if a member missed a contribution for a particular month, he cannot double his payment for the following month to cover for the month he missed. The previous month will remain unpaid while his succeeding payments are credited to his SSS account.
For Non-working Spouses who gains employment later on (or declares himself to be self-employed or an OFW), his membership shall be re-classified but he will not be issued a new SSS number. A member cannot have more than one SSS number; his membership may only be re-classified depending on the updates on his employment status.
For Employers
An employer is considered in violation of SSS laws if he fails to report temporary or provisional employees under his payroll. In case he fails to remit the corresponding SSS contributions of his employees, he may be punishable by fine and / or imprisonment. The employer is responsible to deliver the following in favor of the employee, even if he failed to remit the employee’s SSS contributions:
a. Pay the benefits of those who die, become disabled, get sick, or reach retirement age;
b. Pay all unpaid contributions plus a penalty of 3% per month.
As paying SSS members, we can regularly check the progress of our contributions and loan payments online. You may create your online SSS account at www.sss.gov.ph
Source: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=faqsmembership
MasterCitizen's Blog 
Nakapagmember po ako sa volunteer nung March 2017 pa, kaso po di ako sure na ok na ung registration ko since pinagbayad ako ng 300+ tapos pinabalik ako sa SSS main office in order to file for an ID. Tpos just recently nag tetext ang SSS sakin with my SSS number (recently ko lang din nalaman na number ko na un) na may text that I may pay my monthly contribution of 990 for Jan-March. May consequences po ako from the previous months na di po ako nkapagcontribute? and probably di parin ako makapagcontribute this year since I’m working freelance lang and below minimum wage po nakukuha ko per day. Thank you
Hi Riz,
Pag may nalibanan kang monthly contribution, hindi mo na yun pwedeng balikan para bayaran. Ang effect nito is pag nag apply ka ng loan, at may mga buwan kang hindi nahulugan, mas maliit yung magiging basis ng computation ng amount na pwede mong ma-loan. Effectively din, pag dumating na ang panahon na mag pension ka na, mas maliit ang matatanggap mo dahil sa mga missed months of contribution.
Ang pinaka mainam ay kumpletuhin mo ang monthly contributions mo at huwag ka nang liliban para sigurado ang SSS claims and benefits mo later on.
MC
Hello po! May concern lang po ako about sa sss online registration. Hindi ko na po kasi maopen yung sss online account ko, nakalimutan ko log in details ko. Paano po kaya magreset para mabago po yung username and password ko? Nagtry na po ako magpatulong sa sss na malapit sa amin, binigyan po ako nung staff ng bagong password pero hindi ko pa rin po maopen. Ano po ba ang dapat gawin? Salamat po sa pagsagot.
May portion sa log in page na “forgot password?” Click mo lang yun then i le lead ka na nya para ma retrieve yung old password mo. Try mo.
pno po b mag check ng sss loans?
Pwede kang gumawa ng account.
I have my SSS for just a year, at kaka-end lang ng contract ko sa second job ko. I am 5months pregnant now, my last employer filed me for my maternity. Tanong ko lang po, makakakuha po ba ako nang maternity benefits ko gayong wala na akong trabaho ? Ano po dapat kong gawin sa SSS ko po.
Naka pag advise naman yung employer mo dati makukuha mo yun pero sa SSS office na. Mas maganda tuloy tuloy mo pa din ang paghulog mag voluntary ka.
My colleagues wanted PH HDMF M1-1 earlier today and saw an online service that has lots of form templates . If you are searching for PH HDMF M1-1 too , here’s https://goo.gl/Ej6mMe
Hello
I have something to ask po about sa pg loan kng qualified npo b ako …2013 till now po 2017 active OFW po ako nghuhulog ng SSS contribution …gusto ko po sanang mg loan ng pera pra pampagawa ng bahay for renovation
Thanks po sa pgsagot ng,aking katanungan
Basta naka 36 months contribution ka na pwede ka na mag loan sa SSS.
Hoping that sss will create an app of website that is compatible to any browser
How can I create account..I can’t registered it’s always failed
System problem i guess. Try again.
how to update the sss contribution working as an OFW
Hi Celia,
Here are information that may help you:
Here’s what you need to do to continue your SSS contribution:
1. You may pay your SSS contributions at the accredited overseas e-payment collection centers.
2. You may also ask a representative like a family member or a relative in the Philippines who can pay your SSS contributions on your behalf.
What your representative needs to do is to go to the nearest SSS Office, fill out the Contributions Payment Form, and mark the Membership Type (in yellow).
Your representative needs to make sure that all the details are correct including the name and SSS number of the SSS member.
Hope these helped.
MC