Updated April 2019

SSS Contribution Table for Voluntary, Self-Employed, and Non-Working Spouse, Effective April 2019

SSS contributions voluntary members-vendors Manila Bay

Compensation Monthly Monthly
Range Salary Credit Contribution
Below 2,250 2,000 240
2,250 - 2,749.99 2,500 300
2,750 - 3,249.99 3,000 360
3,250 - 3,749.99 3,500 420
3,750 - 4,249.99 4,000 480
4,250 - 4,749.99 4,500 540
4,750 - 5,249.99 5,000 600
5,250 - 5,749.99 5,500 660
5,750 - 6,249.99 6,000 720
6,250 - 6,749.99 6,500 780
6,750 - 7,249.99 7,000 840
7,250 - 7,749.99 7,500 900
7,750 - 8,249.99 8,000 960
8,250 - 8,749.99 8,500 1,020
8,750 - 9,249.99 9,000 1,080
9,250 - 9,749.99 9,500 1,140
9,750 - 10,249.99 10,000 1,200
10,250 - 10,749.99 10,500 1,260
10,750 -11,249.99 11,000 1,320
11,250 - 11,749.99 11,500 1,380
11,750 - 12,249.99 12,000 1,440
12,250 - 12,749.99 12,500 1,500
12,750 - 13,249.99 13,000 1,560
13,250 - 13,749.99 13,500 1,620
13,750 - 14,249.99 14,000 1,680
14,250 - 14,749.99 14,500 1,740
14,750 - 15,249.99 15,000 1,800
15,250 - 15,749.99 15,500 1,860
15,750 - 16,249.99 16,000 1,920
16,250 - 16,749.99 16,500 1,980
16,750 - 17,249.99 17,000 2,040
17,250 - 17,749.99 17,500 2,100
17,750 - 18,249.99 18,000 2,160
18,250 - 18,749.99 18,500 2,220
18,750 - 19,249.99 19,000 2,280
19,250 - 19,749.99 19,500 2,340
19,750 and above 20,000 2,400

SSS Contribution Table for OFWs, Effective April 2019

Compensation Monthly Monthly
Range Salary Credit Contribution
Below 8,250 8,000 960
8,250 - 8,749.99 8,500 1,020
8,750 - 9,249.99 9,000 1,080
9,250 - 9,749.99 9,500 1,140
9,750 - 10,249.99 10,000 1,200
10,250 - 10,749.99 10,500 1,260
10,750 -11,249.99 11,000 1,320
11,250 - 11,749.99 11,500 1,380
11,750 - 12,249.99 12,000 1,440
12,250 - 12,749.99 12,500 1,500
12,750 - 13,249.99 13,000 1,560
13,250 - 13,749.99 13,500 1,620
13,750 - 14,249.99 14,000 1,680
14,250 - 14,749.99 14,500 1,740
14,750 - 15,249.99 15,000 1,800
15,250 - 15,749.99 15,500 1,860
15,750 - 16,249.99 16,000 1,920
16,250 - 16,749.99 16,500 1,980
16,750 - 17,249.99 17,000 2,040
17,250 - 17,749.99 17,500 2,100
17,750 - 18,249.99 18,000 2,160
18,250 - 18,749.99 18,500 2,220
18,750 - 19,249.99 19,000 2,280
19,250 - 19,749.99 19,500 2,340
19,750 and above 20,000 2,400

Minimum Salary Credit for OFWs is 8,000. 
This means the lowest monthly SSS contribution by an OFW is 960 pesos.   

Did you make advance payments using the old table of SSS contributions? 
If you made advance payments for the years 2019 and 2020 and later years using the old table, you should compute the amounts of discrepancies, and then make additional payments at the SSS branch. 

What happens if I do not make additional payments? 
SSS will post your contributions as payments for the applicable lower salary credit. BUT those who paid in advance 110 per month and OFWs who paid in advance 550 per month, they must make the additional payments, or else their advance payments will be put on hold and will not be posted. Why so? Because there is no salary credit lower than 1,000 or no contribution lower than 110. For OFWs who paid in advance their minimum, 550 per month, SSS will also put these payments on hold, because 8,000 is now the lowest monthly salary credit for OFWs. 

What is the difference between SALARY RANGE and SALARY CREDIT? 
Salary Range refers to your actual gross monthly salary. It's here in this Salary Range column where you look for the salary range that covers the total amount of compensation you received for the month. Salary Credit is the amount used by SSS to compute your salary loan amount, sickness benefit amount, maternity benefit amount and pension amount. There are 37 monthly salary credits, beginning from 2,000 pesos and increasing in increments of 500 pesos up to the maximum of 20,000 pesos, as of the latest SSS contribution table, effective April 2019. .

QUESTION from reader Ana:

I would also like to ask about SSS contributions by voluntary members. I would like to start making contributions again. How will I know how much to remit? How would I determine what amount I am supposed to contribute per month?

ANSWER:

The outright answer would be: it depends on your current monthly income. You look at the SSS contributions table, and then pay the corresponding monthly contribution.

But since you are voluntary, and you can decide how much income to consider, you decide based on how much benefit you want in case of sickness, disability, maternity, retirement, or death.

The amounts of your BENEFITS depend on two factors:
1. your average monthly contributions and
2.  number of monthly contributions
during certain periods or throughout your membership period.

For example, the amount of your Maternity Benefit or Sickness Benefit will depend on the total of your 6 highest average monthly salary credits within the 12-month period before your semester of delivery or semester of sickness.

For Maternity Benefit, the total of these 6 credits will be divided by 180 and then multiplied by 60 days if normal delivery, and by 78 if by Cesarean Section (CS).

For your Retirement Benefit, the amount of your monthly pension would depend on:
1. the total number of your monthly contributions
2. the number of your credited years of membership
3. the average of your monthly salary credits for the last 5 years
4. the average of your monthly salary credits throughout all years of your membership

Take note also that SSS has rules on changing the amount of your monthly contributions. It says that:
1. You can change only by 1 or 2 salary brackets at a time
2. You cannot go below the 5,000 bracket once you have paid beyond this bracket
3. At age 55 or older, you can increase only by 1 salary bracket at a time, if your current monthly salary bracket is already 10,000 pesos or higher.

You can however do No. 1 and 2 by declaring your income on RS5 form, and be prepared to submit supporting income documents if ordered by SSS.

There are members saying that we can increase by more than 2 brackets at a time without filling up the Income Declaration portion of the RS5 form. My reply is Yes, we can. The SSS cashier or payment center officer will accept our payments. They will not check if we increased our payments correctly or not. They do not have time to check every voluntary contribution amount, and I have observed that they have not yet incorporated this factor into their automated systems. I don't also know if they're doing random checking.

But there was one mother who commented in one of our blogs, saying that her maternity benefit claim was put on hold because an SSS officer noticed her sharp increase in monthly contributions, from a low monthly contribution to 15,000 pesos per month.

If you increase your monthly contributions by more than 2 salary-credit levels, and you fill up the Income Declaration portion of the RS5 form, keep this RS5 form, in case your sharp increase will be questioned in the future.

SSS Salary Loan Renewal -- Loan Amount
SSS Educational Loan Launched in 2012

Other Comments from ReadersSSS Monthly Contribution Table for Voluntary Members

Photo Credit: Image by Free-Photos from Pixabay