Most people think that the Social Security System (SSS) is only for employed individuals, whether working locally or abroad. We need to know that self-employed people, regardless of his trade or business, must also be covered by the SSS.
Today’s blog will feature the SSS coverage for self-employed individuals. If you are one of them and are not yet a member of the SSS, this article is for you.
Which workers are classified under Self-employed (SE) Coverage?
A self-employed person, regardless of trade, business, or occupation with an income of at least Php 2,000 a month and not over 60 years old, should register with the SSS. These include:
- Self-employed professionals such as doctors, lawyers, engineers who run their own firms.
- Partners, single proprietors of businesses.
- Board Directors of Corporations duly registered with appropriate government agencies.
- Actors, actresses, directors, scriptwriters, and news correspondents who do not fall within the definition of the term “employee”.
- Professional athletes, coaches, trainers, and jockeys.
- Farmers and fisherfolks.
- Workers in the informal sector such as market and ambulant vendors.
- Public utility transport drivers, tourism industry-related workers, and others similarly situated.
- Contractual and job order personnel engaged by the government thru a contract of service and who are not coverable by the GSIS law.
- Any other self-employed person as determined by the Social Security Commission (SSC) under such rules and regulations that it may be prescribed.
How to register to the SSS:
- Accomplish and submit a Personal Record Form (SS Form E-1).
- If he/she has no existing SS number, SS Form E-1 should be submitted with the original/certified true copy and photocopy of any of the primary or any two of the secondary documents acceptable in securing SS number.
Primary documents (Only ONE is required):
- PSA Birth Certificate
- Baptismal Certificate
- Driver’s License
- Professional Regulation Commission (PRC) card
- Seaman’s Book
Secondary Documents (in the absence of primary documents, submit TWO of the following):
- Alien Certificate of Registration
- ATM card with the cardholder’s name
- ATM card and certification from the issuing bank that the account number belongs to the cardholder if the card does not bear the cardholder’s name.
- Bank Account Passbook
- Birth/Baptismal Certificate of children
- Certificate from the:
- Office of the Southern/Northern Cultural Communities
- Office of Muslim Affairs
- Certificate of Licensure/Qualification Document/Seafarer’s ID and Record Book from the Maritime Industry Authority
- Certificate of Naturalization issued by the Bureau of Immigration
- Company ID
- Fisherman’s Card issued by the Bureau of Fisheries and Aquatic Resources (BFAR)
- GSIS Card/Certificate of Membership
- Health or Medical Card
- ID Card issued by Local Government Units (e.g. Barangay/Municipality/City)
- ID Card issued by professional organizations recognized by the Professional Regulation Commission (PRC)
- Life Insurance Policy
- Marriage Contract
- Membership card issued by private companies
- NBI clearance
- Overseas Workers’ Welfare Administration (OWWA) card
- Pag-IBIG Member’s Data Form
- Permit to carry firearms issued by the Firearms and Explosives Unit of the Philippine National Police (PNP)
- PHIC Member’s Data Record
- Police Clearance
- Postal ID card
- School ID
- Seafarer’s Registration Certificate issued by the Philippine Overseas Employment Administration (POEA)
- Senior Citizen Card
- Tax Identification Number (TIN) card
- Temporary License and Student Permit issued by the Land Transportation Office (LTO)
- Transcript of School Records
- Voter’s Identification Card/Affidavit
- A self-employed person who has employee/s should also register as an employer and secure an employer number by proper accomplishment and submission of Employer Registration (SS Form R-1) and Employment Report (SS Form R-1A).
Duties and responsibilities of a self-employed SS member:
- Register with My.SSS at the SSS website: sss.gov.ph provided you have at least one month posted contribution.
- To pay your contributions, log-in to your My.SSS account to secure your Personal Reference Number (PRN).
- Pay contributions either monthly or quarterly in accordance with the prescribed schedule and deadline.
- Keep your personal records updated and correct by submitting a completed SS Form E-4 together with the corresponding supporting document/s to avoid delays in the processing of benefit claims.
- Pay your loans on time through the Member Loan Payment Return Form (SS Form ML-1) to avoid penalties and late payments.
- Apply for a UMID card, if with at least one (1) posted monthly contribution, and always use the said card for SSS transactions.
- Be aware of changes and improvements in the SSS policies and benefit structure so as to fully utilize your benefits.
For more details on SSS membership, you may send your questions and clarifications to email@example.com or call the SSS hotlines at (02) 920-6446 or (02) 917-7777.