Checking your SSS contributions is one of the simplest ways to protect your future benefits. A missing or underpaid contribution can affect salary loans, sickness, maternity, disability, unemployment, retirement, death, and funeral benefits. This guide explains how to check your SSS contributions online, through the MySSS mobile app, and through an SSS branch; what the entries in your contribution record mean; what to do if payments are missing; and what Philippine law says about your employer’s obligation to remit contributions.

Why Your SSS Contribution Record Matters

Your SSS contribution record is not just a list of payments. It is the official basis SSS uses to determine whether you qualify for benefits and, in many cases, how much you may receive.

For example, retirement pension generally requires at least 120 monthly contributions before the semester of retirement. Death and permanent disability pensions also depend on the number of posted contributions. Sickness and maternity-related benefits require qualifying contributions within a specific period before the contingency.

The important word is posted. A salary deduction appearing on your payslip is not always the same as a contribution already posted in your SSS record. If your employer deducted SSS from your salary but failed to remit it, your online SSS record may show a gap even though money was deducted from you.

Legal Basis: What Philippine Law Says About SSS Contributions

SSS contributions are governed mainly by Republic Act No. 11199, also known as the Social Security Act of 2018.

Under RA 11199, SSS coverage is compulsory for private-sector employees, including kasambahays, who are not over 60 years old, as well as for covered employers. The law also provides compulsory coverage for self-employed persons such as professionals, business owners, farmers, fishermen, and other self-employed workers, and for sea-based and land-based Overseas Filipino Workers (OFWs).

For employees, the employer must deduct the employee’s share from the worker’s salary and pay the employer’s share. The employer is not allowed to recover the employer’s contribution from the employee, whether directly or indirectly.

For self-employed members, the law treats the member as both employer and employee for contribution purposes, so the self-employed member pays the full required contribution based on the applicable schedule.

As of the January 2025 SSS schedule, the contribution rate is 15%, with a minimum Monthly Salary Credit (MSC) of ₱5,000 and a maximum MSC of ₱35,000. The employer share is 10% and the employee share is 5%, subject to the SSS contribution table and the applicable member category. (Social Security System)

How to Check SSS Contributions Online Through My.SSS

The fastest way to check SSS contributions is through your My.SSS member account.

Step-by-step guide

Go to the official My.SSS member portal.
Log in using your User ID and password.
From the member dashboard, look for the menu for Inquiry, Contributions, Actual Premiums, or My Contributions. The exact label may change depending on the portal version.
Open your contribution record.
Review the following details:
- applicable month and year;
- amount paid;
- Monthly Salary Credit (MSC);
- employer name or employer number, if employed;
- payment or posting date;
- membership type, such as employed, self-employed, voluntary, OFW, or non-working spouse.
Save a PDF, print the page, or take screenshots for your personal records.

If you do not yet have a My.SSS account, register as a member using your SS number, personal information, and current contact details. SSS has implemented online registration for prospective employee, self-employed, non-working spouse, and OFW members applying for an SS number. (Social Security System)

How to Check SSS Contributions Using the MySSS Mobile App

You can also check contributions through the official MySSS mobile app. SSS states that the app allows members to view membership details and monthly contributions, generate a Payment Reference Number (PRN), pay contributions through available online channels, reset passwords through a registered email address, and search for nearby SSS branches. (Social Security System)

Step-by-step guide

Download the official MySSS mobile app from the legitimate app store.
Log in with your My.SSS account.
Tap the menu for Contributions, My Contributions, or Contribution Inquiry.
Review the months shown as posted.
Compare the entries with your payslips, PRNs, receipts, or employer payroll records.
Keep screenshots of any missing or questionable months before raising the issue with your employer or SSS.

The SSS Citizen’s Charter specifically lists Inquiry of Contributions through the SSS Mobile Application as an available mobile service.

Other Ways to Check Your SSS Contributions

1. Through an SSS Branch or E-Center

If you cannot access your online account, you may visit an SSS branch or E-Center. Bring a valid ID and your SS number. This is useful if:

your registered email or mobile number is outdated;
you forgot your User ID and password;
your online account is locked;
your name, birthdate, or civil status needs correction;
your contributions require manual verification.

For overseas Filipinos, online access is usually the most practical option. If a personal appearance is required, check whether the nearest Philippine Embassy, Consulate, or SSS foreign representative arrangement can assist with the relevant transaction.

2. Through Your Employer or HR Department

Employees may request a copy of their employer’s SSS remittance records, payroll deductions, or proof of remittance. This is especially useful when your payslip shows SSS deductions but your My.SSS record does not show the corresponding posted contributions.

Ask for:

payslips showing SSS deductions;
payroll summary;
SSS contribution collection list or proof of remittance;
certificate of employment;
explanation for any delayed or unposted month.

3. Through Your Payment Receipts or PRN History

If you are self-employed, voluntary, an OFW, or a non-working spouse, compare your posted contributions with your PRNs and payment confirmations.

SSS requires individually paying members to generate a Payment Reference Number (PRN) before paying contributions. SSS implemented its electronic collection system and Real Time Processing of Contributions (RTPC) to support real-time recording and posting of contribution payments. (Social Security System)

How to Read Your SSS Contribution Record

Your SSS contribution record usually shows more than just a payment amount. Understanding the entries helps you spot problems early.

Entry	What It Means	Why It Matters
Applicable month	The month the contribution covers	A payment made in March may apply to February, March, or another selected month
Posted amount	Amount credited to your SSS account	Used for benefit and loan qualification
Monthly Salary Credit (MSC)	Salary bracket used by SSS to compute benefits	Higher MSC may affect benefit computation, subject to SSS rules
Employer name or number	Employer that remitted the contribution	Helps identify which employer missed or underpaid
Posting date	Date the payment appeared in SSS records	Useful when checking delayed payments
Membership type	Employed, self-employed, voluntary, OFW, etc.	Affects deadlines, payment rules, and who pays

Do not check only the total number of contributions. Look at the months. A record can show many contributions but still have gaps during the exact period needed for a benefit.

Contribution Payment Deadlines

SSS deadlines differ depending on membership type.

Member or Payor Type	Usual Deadline
Regular employer	Last day of the month following the applicable month
Household employer	Last day of the month following the applicable month or calendar quarter, as applicable
Self-employed, voluntary, non-working spouse	Last day of the month following the applicable month or calendar quarter, as applicable
Land-based OFW, January to September contributions	December 31 of the same year
Land-based OFW, October to December contributions	January 31 of the following year

If the deadline falls on a Saturday, Sunday, or holiday, payment may be made on the next working day. For employers, late contributions may incur penalties. For self-employed, voluntary, land-based OFW, and non-working spouse members, late payment is generally not allowed, so missed months may remain as contribution gaps. (Social Security System)

What to Do If Your SSS Contributions Are Missing

A missing contribution does not always mean fraud. Sometimes the problem is a delayed posting, wrong PRN, incorrect SS number, mismatch in employer reporting, or use of the wrong applicable month. But if the issue involves salary deductions that were never remitted, you should act promptly.

Step 1: Confirm the missing months

Check your My.SSS record carefully. Write down:

missing months;
employer name during those months;
amount deducted from your payslip;
your salary for each period;
whether you were full-time, part-time, probationary, project-based, or contractual.

SSS coverage is based on the existence of an employer-employee relationship, not merely the label your employer uses. A private-sector worker may still be covered even if called probationary, temporary, project-based, or contractual, if the legal relationship is employment.

Step 2: Gather proof

Useful documents include:

payslips showing SSS deductions;
employment contract;
certificate of employment;
company ID;
payroll bank statements;
screenshots of your SSS contribution record;
messages or emails from HR about SSS deductions;
BIR Form 2316, if available;
PRNs and payment confirmations, if you paid as an individual member.

For self-employed, voluntary, OFW, or non-working spouse members, the most important documents are usually the PRN, receipt, payment confirmation, and screenshot of the unposted month.

Step 3: Ask HR or payroll for clarification

Many issues are resolved at this stage. Ask HR to confirm:

whether the contribution was remitted;
what applicable month was used;
whether your SS number was reported correctly;
whether the payment was included in the correct contribution collection list;
when the correction or posting will be completed.

Keep the request polite and in writing. Email or chat records help create a paper trail.

Step 4: Raise the issue with SSS

If the employer does not correct the issue, or if the employer deducted but did not remit, bring the matter to SSS with your documents.

Under RA 11199, failure or refusal by an employer to remit contributions does not prejudice the employee’s right to SSS benefits. The law also allows SSS to collect unpaid contributions and impose a 2% monthly penalty on delinquent employers from the date the contribution falls due until paid.

SSS also states that an employee or kasambahay remains entitled to SSS benefits even if the employer or household employer fails or refuses to report and remit contributions. The employer may be required to pay unpaid contributions, penalties, and, in proper cases, benefits or damages. (Social Security System)

Employer Non-Remittance: Your Rights as an Employee

If your employer deducted SSS from your salary but did not remit it, the issue is serious.

Under RA 11199, failure or refusal to register employees, deduct contributions, or remit them to SSS may result in fines and imprisonment. The penal clause also refers to false statements and fraudulent documents in connection with SSS claims or loans, with penalties tied to the Revised Penal Code for certain false statements.

For employees, the practical point is this: you should not be forced to suffer because your employer failed to comply. Still, you need documents. SSS will usually need enough proof to connect you, the employer, the employment period, and the deductions or unpaid contributions.

Special Situations

If You Are a Kasambahay

A kasambahay or household employee is covered by SSS rules. SSS has reminded household employers that under RA 11199, household helpers must be registered within 30 days from hiring and contributions must be remitted. For kasambahays earning ₱5,000 or less per month, SSS states that the household employer fully covers the contributions; for those earning ₱5,000 or more, the household employer deducts the employee share, adds the employer share, and pays through accredited channels. (Social Security System)

If you are a kasambahay checking your SSS record, pay close attention to whether your household employer actually registered and paid under the correct SS number.

If You Are Self-Employed

Self-employed members should check their records regularly because retroactive payment is generally not allowed. RA 11199 provides that self-employed members remit contributions according to schedules specified by the Commission, and no retroactive payment is allowed except as provided by law.

SSS also states that self-employed members who fail to remit after membership approval may only pay prospectively, and missed months become gaps. (Social Security System)

If You Are a Voluntary Member

A voluntary member is someone previously covered as an employee, self-employed member, or OFW, with at least one valid posted contribution, who is no longer working in that capacity and chooses to continue paying to maintain SSS rights. SSS states that if a voluntary member fails to remit, missed months become gaps and retroactive payment is not allowed. (Social Security System)

This matters for separated employees. Once you leave employment, your employer stops paying. If you want continuous SSS coverage, check your record, generate a PRN, and pay as voluntary before deadlines pass.

If You Are an OFW

Land-based OFWs have special payment deadlines. Contributions for January to September may be paid until December 31 of the same year, while contributions for October to December may be paid until January 31 of the following year. SSS also states that the minimum MSC for land-based OFWs is ₱8,000. (Social Security System)

Sea-based OFWs are generally handled through manning agencies and principals, which RA 11199 treats differently from land-based OFWs. If you are a seafarer, check whether contributions are posted under the correct employer or manning agency.

If You Are a Foreigner Working in the Philippines

SSS law defines an employee broadly as a person who performs services for an employer and receives compensation where an employer-employee relationship exists. The law does not make ordinary private-sector employee coverage depend only on Filipino citizenship. However, special rules may apply to foreign government workers, international organizations, or cases covered by bilateral social security arrangements. (Social Security System)

For practical purposes, a foreign national employed by a Philippine private employer should check with HR whether an SS number was issued and whether contributions are being remitted. If you already have My.SSS access, you check contributions the same way as Filipino members.

Common Problems When Checking SSS Contributions

“My payslip has SSS deductions, but My.SSS shows no contribution.”

This usually means one of four things:

the employer has not remitted yet;
the employer remitted but used an incorrect SS number or reporting file;
the payment was made but not properly posted;
the employer deducted but failed to remit.

Start with HR, then escalate to SSS if the issue remains unresolved.

“My employer says I am contractual, so they do not need to pay SSS.”

The label alone is not controlling. If there is an employer-employee relationship, private-sector employees are generally subject to compulsory SSS coverage. SSS itself describes employees as persons who perform services for an employer and receive compensation where an employer-employee relationship exists. (Social Security System)

“I missed voluntary payments. Can I pay retroactively?”

Usually, no. SSS states that voluntary members who miss payments may only pay prospectively, and missed months become gaps. (Social Security System)

“My contribution amount looks lower than expected.”

Check the official SSS contribution table and your Monthly Salary Credit bracket. SSS contributions are based on the applicable MSC schedule, not always a simple percentage of your exact take-home pay.

Also check whether you changed membership type, whether you are below or above the MSC cap, and whether an advance payment became underpaid after a change in the contribution schedule. SSS warns that advance payments may become underpaid or posted at a lower MSC level if contribution rates or MSC schedules change and the member does not settle the underpayment. (Social Security System)

“My old employer is closed. Can SSS still go after unpaid contributions?”

RA 11199 gives SSS collection powers against delinquent employers. The law also provides a 20-year period for necessary action against the employer counted from when the delinquency is known, the assessment is made, or the benefit accrues, as applicable.

Documents to Prepare for SSS Contribution Concerns

Situation	Documents That Commonly Help
Cannot access My.SSS	Valid ID, SS number, registered email/mobile details, proof of identity
Missing employee contributions	Payslips, COE, employment contract, payroll records, bank salary credits, My.SSS screenshots
Wrong employer or wrong SS number	Valid ID, SS number, employer records, HR certification, payslips
Self-employed or voluntary unposted payment	PRN, receipt, online payment confirmation, screenshot of missing month
OFW payment issue	PRN, remittance/payment proof, passport or work documents if relevant, My.SSS screenshots
Name or civil status mismatch	Valid ID, SSS Member Data Change Request, PSA or other supporting civil registry documents, depending on correction needed

For simple checking of contributions online, notarized documents are not required. For corrections, representative transactions, or foreign-issued documents, additional authentication, authorization, or original/certified copies may be required depending on the exact SSS transaction.

Frequently Asked Questions

How can I check my SSS contributions online?

Log in to your My.SSS member account, open the contributions or inquiry section, and review your posted contributions by applicable month. You can also use the MySSS mobile app, which SSS states allows members to view monthly contributions. (Social Security System)

How do I know if my employer is paying my SSS?

Compare your payslips with your My.SSS contribution record. If your payslip shows deductions but the months are missing in My.SSS, ask HR for proof of remittance. If the employer does not correct the issue, raise it with SSS using your documents.

What should I do if my SSS contributions are not posted?

First, confirm the missing months in My.SSS. Then gather payslips, employment records, PRNs, receipts, and screenshots. Ask your employer or payment channel for clarification. If unresolved, bring the documents to SSS for verification or complaint handling.

Can I pay missed SSS contributions from previous years?

For self-employed, voluntary, and similar individually paying members, retroactive payment is generally not allowed. Missed months usually remain gaps. Employers, however, remain liable for unpaid employee contributions, including penalties, if they failed to remit contributions required by law. (Social Security System)

How many SSS contributions do I need for retirement?

A member generally needs at least 120 monthly contributions before the semester of retirement to qualify for monthly retirement pension, subject to the age and separation/self-employment conditions under RA 11199.

Can I check SSS contributions without going to a branch?

Yes. Most members can check through the My.SSS portal or the MySSS mobile app. A branch visit is usually needed only when you cannot access your account, need identity verification, need data correction, or have a contribution issue that requires manual handling.

Is my employer allowed to deduct the employer share from my salary?

No. RA 11199 requires the employer to pay the employer contribution and states that the employer must not deduct or recover the employer’s contribution from the employee’s compensation.

What happens if my employer never remitted my SSS contributions?

The employer may be liable for unpaid contributions, penalties, damages, and possible criminal consequences. RA 11199 also states that an employer’s failure or refusal to pay or remit contributions does not prejudice the covered employee’s right to benefits.

Can OFWs check and pay SSS contributions while abroad?

Yes. OFWs can use My.SSS to check records and generate PRNs. For land-based OFWs, SSS provides special deadlines: January to September contributions are due by December 31 of the same year, while October to December contributions are due by January 31 of the following year. (Social Security System)

Key Takeaways

Check your SSS contributions regularly through My.SSS or the MySSS mobile app.
A payslip deduction is not enough; confirm that the contribution is actually posted in your SSS record.
Under RA 11199, employers must deduct the employee share, pay the employer share, and remit contributions to SSS.
Employers cannot charge the employer share back to employees.
Missing voluntary, self-employed, or OFW payments can become permanent gaps if deadlines pass.
Employer non-remittance does not automatically defeat an employee’s right to SSS benefits, but documents are crucial.
Keep payslips, PRNs, receipts, screenshots, and HR emails.
If something looks wrong, compare your records early instead of waiting until you need a loan or benefit.