1) Why this matters (and what the law generally requires)

In the Philippines, most employees covered by the Social Security System (SSS), PhilHealth, and the Pag-IBIG Fund (HDMF) are required to have contributions remitted regularly. In a typical employer–employee relationship:

You contribute (the “employee share”), usually deducted from your salary.
Your employer contributes (the “employer share”) and has the duty to remit the total (employee + employer shares) to the relevant agency within required deadlines.

If deductions were made from your pay but no remittance (or incomplete remittance) was made, that can affect:

SSS: loan eligibility, sickness/maternity benefits, retirement/disability, etc.
PhilHealth: coverage/eligibility continuity (especially for claims requiring updated status).
Pag-IBIG: short-term loans, MP2/regular savings records, and housing loan qualification.

The practical reality: agencies keep their own contribution ledgers. Your most reliable way to confirm payment is to check your member records directly with each agency and compare them to your employment period and payslips.

2) What you should prepare before checking

Gather proof and identifiers so you can match what’s on record:

A. Your identifiers

SSS number
PhilHealth Identification Number (PIN)
Pag-IBIG MID number

B. Employment and pay documents

Payslips showing deductions for SSS/PhilHealth/Pag-IBIG
Certificate of Employment (COE) or employment contract
BIR Form 2316 (helpful for employment period confirmation, though it won’t show agency remittances)
Any employer HR memo about contribution remittances

C. Your timeline

Write down:

Start date and end date with the previous employer
Any gaps (leave without pay, suspension, etc.)
Salary changes (because contribution amounts can change)

This helps you spot missing months or under-remittance.

3) How to check SSS contributions (SSS)

A. Check online through your SSS account

If you have (or can register) an SSS online account, you can usually view:

Posted contribution months/quarters
Employer name (for employed periods)
Contribution amounts (often broken down by period)

How to use the record:

Look for the months covering your employment period.
Confirm:
- Are all months present?
- Does the employer name match your previous employer?
- Do the amounts roughly align with your salary bracket/level at the time?

B. Request or view your SSS contribution history/printout

If you can’t access online records or need a formal record, you may request a contribution printout (commonly used for loan/benefit verification).

C. Red flags in SSS records

Missing months within your employed period
Contributions posted but with unusually low amounts vs salary
Employer listed incorrectly or blank
Contributions appear to start late or end early compared to actual employment

D. Common explanations (not always wrongdoing)

Late remittance posting (agency ledger updated later)
Employer remitted under a different reporting period
Clerical errors in SSS number used by employer

4) How to check PhilHealth contributions (PhilHealth)

A. Confirm your membership and contribution posting

PhilHealth records may show:

Membership status (active/inactive)
Contribution history or employer remittance posting (depending on what access method is available to you)

If you have a member portal account, use it to check the months your employer should have remitted.

B. Ask for a Member Data Record (MDR) and contribution record

For many PhilHealth transactions, an MDR is requested. While MDR focuses on membership information, you can also request contribution/remittance details or status confirmation from PhilHealth channels.

C. Red flags in PhilHealth records

Employer not reflected during your employment
Contribution gaps despite payslip deductions
Status issues when you try to use PhilHealth benefits (e.g., “inactive” unexpectedly)

D. Note on practical differences

PhilHealth contribution visibility and “posted months” can sometimes be less straightforward for members than SSS, so if your portal view is limited, you may need to request assistance or a printout/statement from PhilHealth directly.

5) How to check Pag-IBIG (HDMF) contributions

A. Use your Pag-IBIG account (Virtual Pag-IBIG) to view contributions

With an online account, you can generally verify:

Employer remittances posted per month
Amounts credited to your Pag-IBIG Regular Savings
Sometimes employer details tied to the remittance

B. Request a Pag-IBIG Contribution Printout / Loyalty Card Plus and member verification

Pag-IBIG commonly issues contribution printouts for loan processing. If you suspect missing contributions, ask for a record covering the entire employment period.

C. Red flags in Pag-IBIG records

Missing monthly remittances
Amounts inconsistent with your payslip deductions
Employer not appearing during your employment period
Discrepancies when you apply for a loan (e.g., insufficient contributions)

6) How to reconcile your records vs what the agencies show

Do a simple month-by-month reconciliation:

Step 1: Create a table for the employment period

For each month of employment, list:

Payslip deduction for SSS
Payslip deduction for PhilHealth
Payslip deduction for Pag-IBIG
Whether the agency record shows a posted remittance for that month

Step 2: Identify mismatch types

Deductions made, no posting at all
Posting exists, but underpaid
Posting exists, but employer name is wrong
Posting is delayed (later months show up but not yet for recent periods—less relevant for “previous employer” unless close in time)

Step 3: Consider salary bracket changes

Contribution amounts can change if your compensation changed. A mismatch isn’t automatically nonpayment—it may be a bracket/reporting issue.

7) What you can do if you find missing or unpaid contributions

A. Start with documentary proof

Your strongest evidence is:

Payslips showing deductions
Employment proof (COE, contract)
Agency ledger printouts showing missing months

B. Raise the issue with the former employer (HR/Payroll) in writing

Ask for:

Proof of remittance (official receipts, employer remittance reports, transaction references)
A reconciliation of months and amounts
A commitment to pay/settle any deficiencies and correct reporting errors

Keep it polite, factual, and date-specific.

C. If employer doesn’t cooperate: elevate to the proper agency/complaint channel

Each agency has enforcement mechanisms and can require employers to:

Pay delinquent contributions
Pay penalties/interest (where applicable)
Correct employer reports and member postings

In practice:

SSS is particularly active in enforcing delinquent contributions and can assess employers.
Pag-IBIG can require settlement and posting corrections for missed remittances.
PhilHealth can similarly pursue compliance and correct records, though processes may vary.

You can file a complaint or request assistance by providing:

Your member number
Employer details (legal name, address)
Employment period
Evidence of deductions
The agency record showing missing postings

D. Consider labor remedies if deductions were made but not remitted

If an employer deducted contributions but failed to remit them, that can overlap with wage-related and compliance issues. Depending on the facts, employees sometimes seek assistance through labor mechanisms for unlawful withholding or related violations, especially where there is clear proof of payroll deductions.

(Practically: many cases resolve faster when the agency compels remittance and correct posting rather than a broader labor dispute—but your best route depends on urgency, evidence, and whether you need benefits/loans now.)

8) Practical tips to avoid delays and protect yourself

A. Check regularly, not only when you resign

Make it a habit to review your contributions every few months. Catching issues early is easier to correct.

B. Keep your payslips (or at least screenshots/PDFs)

Your payslips are often the most accessible proof that deductions were made.

C. Use consistent personal data across employers

Name inconsistencies, birthdate errors, and multiple/incorrect member numbers commonly cause posting issues. Ensure your employer used the correct SSS/PhilHealth/Pag-IBIG numbers.

D. If you changed your name or civil status

Update your records with each agency; mismatches can delay posting or claims.

9) Special situations

A. If you were a contractor or freelancer but treated like an employee

If you were labeled as “contractual” but functioned as an employee (control, schedule, employer tools, etc.), coverage and remittance obligations can become disputed. You may need to establish employment status to compel employer remittances.

B. If you had multiple employers or overlapping employment

You may see multiple employers in records; the goal is to confirm each employer posted contributions for the months you were on their payroll.

C. If you were on leave without pay

Some employers may not deduct contributions during unpaid periods. Match to your payslip and actual paid months.

D. If the employer closed or vanished

Agencies can still pursue delinquent employers, but recovery/posting may take longer. Your evidence becomes even more important.

10) What “proof of payment” looks like (and what to ask for)

If a former employer claims they paid, request one or more of:

Employer remittance report showing your name/SSS number/PIN/MID and the months covered
Official transaction reference numbers
Proof of filing/payment confirmation from the payment channel used
A reconciliation statement mapping payroll deductions to remitted months

Be cautious about screenshots that don’t show identifying details or covered periods.

11) If you need contributions posted urgently (for benefits/loans)

If you need to claim a benefit, get a loan, or process a housing application:

Secure your agency printouts showing missing months.
Get your payslips and COE ready.
Request employer correction/remittance immediately.
File for agency assistance if the employer delays—because agency posting corrections may take time, and some benefits depend on updated contribution status.

12) Short checklist

SSS

Log in and view contribution history
Check employer name and months during employment
Request printout if needed

PhilHealth

Verify membership status and contribution/remittance posting
Request MDR and contribution confirmation if portal info is limited

Pag-IBIG

Check Virtual Pag-IBIG contributions and months
Request contribution printout for reconciliation

If missing

Gather payslips + COE + agency records
Send written request to former employer for proof and correction
Escalate to the relevant agency if unresolved

13) Important reminder

This article is general legal information in the Philippine context and is not a substitute for advice on a specific case. If the amounts are significant, the gaps are long, or you need urgent benefit eligibility, consult a qualified professional and bring your payslips, COE, and agency printouts so they can assess the best remedy and forum based on your exact facts.