If you only want to know whether your employer, business, or voluntary payments are actually posted, the fastest way is to check your SSS contributions online through My.SSS. The online record shows your posted “Actual Premiums,” monthly salary credit, payment months, and contribution details. This matters because your SSS benefits, loans, maternity, sickness, unemployment, disability, retirement, and death benefits are usually computed or qualified based on your posted contributions—not merely on what appears deducted in your payslip.
What SSS Contributions Mean
SSS contributions are monthly payments credited to a member’s account under the Philippine Social Security System. They are not just deductions. They are the legal basis for many SSS benefits.
For employed members, contributions usually have:
| Part | Who pays it | Practical meaning |
|---|---|---|
| Employee share | Employee, deducted from salary | This is the amount usually seen in the payslip |
| Employer share | Employer | The employer cannot pass this cost to the employee |
| Employees’ Compensation or EC | Employer | Covers work-connected sickness, injury, disability, or death |
| Mandatory Provident Fund or MPF | Employer/employee or member, when applicable | Applies to salary credit above the regular SSS ceiling |
For self-employed, voluntary, non-working spouse, and OFW members, the member generally shoulders the applicable contribution directly, based on the declared monthly salary credit and the current SSS contribution schedule.
The official SSS schedule effective January 2025 increased the contribution rate to 15%, with the regular SSS monthly salary credit floor at ₱5,000 and the maximum total monthly salary credit at ₱35,000. Benefits under the regular SSS and EC programs are generally computed using the regular SSS monthly salary credit up to ₱20,000, while the portion above ₱20,000 up to ₱35,000 is credited under the MPF. You can verify the latest schedule on the official SSS Contribution Table page.
Legal Basis: Why Checking Your SSS Contributions Matters
The main law is the Social Security Act of 2018, Republic Act No. 11199. It governs SSS coverage, contributions, employer duties, benefits, penalties, and member rights.
Key points under RA 11199:
- Compulsory coverage applies to private-sector employees, including covered kasambahay, self-employed persons, and OFWs who are not over 60 years old, subject to SSS rules.
- Employers must deduct and remit the employee share and must also pay the employer share.
- Under Section 19, an employer cannot deduct the employer’s contribution from the employee’s salary or recover it from the employee.
- Under Section 22, contributions must be remitted to SSS within the statutory period or within the period prescribed by the Social Security Commission.
- Delinquent employers may be liable for the unpaid contributions plus penalties.
- Failure or refusal to register employees, deduct, or remit contributions can carry criminal penalties under Section 28.
- False statements or false documents submitted in connection with SSS claims or contributions may also trigger liability, including under Article 172 of the Revised Penal Code when falsification is involved.
In practical terms, if your payslip shows an SSS deduction but your My.SSS record does not show a posted contribution, that is not a small clerical issue. It can affect benefit qualification, loan eligibility, and future pension computation.
How to Check SSS Contributions Online Through My.SSS
You can check your posted SSS contributions using the official My.SSS member portal.
Step 1: Prepare Your Login Details
Before logging in, prepare:
- Your My.SSS User ID
- Your My.SSS password
- Access to your registered email or mobile number, in case verification is required
- Your SS number or CRN, if you need to recover your account
Avoid using links sent by strangers, social media comments, or unofficial websites. Always use the official SSS website or mobile app.
Step 2: Log In to the My.SSS Portal
Go to the My.SSS member portal and sign in as a member.
If the website is slow, try again during off-peak hours. Many members experience delays around salary days, contribution deadlines, benefit filing periods, or after SSS system maintenance.
Step 3: Go to the Inquiry Page
After logging in:
- Look for E-Services.
- Click Inquiry.
- Go to Member Info.
- Select Actual Premiums or the contribution-related option shown in your account.
The SSS Citizen’s Charter describes My.SSS as the online facility for members to access contributions and membership records, with membership records inquiry available through the SSS website. The same online inquiry section may also display member details, employment history, loan information, benefit status, and contribution payment details.
Step 4: Review Your Actual Premiums
Your online contribution record may show details such as:
- Applicable month or period
- Amount of contribution
- Monthly Salary Credit or MSC
- Employer details, if employed
- Posting or payment information
- Self-employed, voluntary, OFW, or PRN-based payments, if applicable
Check the record month by month. Do not look only at the total number of contributions.
For example, if you worked from January to June and your payslips show SSS deductions for all six months, your online SSS record should generally show corresponding posted contributions for those months after your employer has remitted and SSS has posted them.
Step 5: Save or Screenshot Your Record
For your own file, save a PDF printout or take screenshots showing:
- Your name or partial account details
- The missing or posted months
- The contribution amounts
- The date you checked the record
This is useful if you need to ask HR, follow up with SSS, apply for a benefit, or document a non-remittance issue.
How to Check SSS Contributions Using the MySSS Mobile App
SSS also provides the MySSS Mobile App. According to SSS, the app allows members to view membership details, monthly contributions, UMID/SS ID details, generate PRNs, pay contributions through available online channels, reset passwords, and search for branches.
To check contributions through the app:
- Open the MySSS Mobile App.
- Log in using your My.SSS User ID and password.
- Tap the contribution or floating action button menu.
- Select Actual Premiums under Contribution.
- Review the posted months and amounts.
The mobile app is useful for OFWs, seafarers, remote workers, and members outside the Philippines who cannot easily visit an SSS branch.
How to Register for My.SSS If You Do Not Have an Online Account
If you have an SS number but no online account, you need to register first.
The My.SSS registration page may ask for a registration preference such as:
- Savings account number
- UMID card
- Employer or household employer ID
- Payment Reference Number or PRN
- Date of loan
- Transaction number in the Personal Record Form
- Check number of any monthly pension
You may also need to provide:
| Requirement | Why it matters |
|---|---|
| SS number or CRN | Identifies your SSS member record |
| Mobile number | Used for account verification or contact information |
| Email address | Used for activation, password reset, and notices |
| Birth date and personal details | Must match SSS records |
| Mailing or foreign address | Required during registration |
| Preferred User ID and password | Used for future login |
If your registration fails, the most common reasons are mismatched birth date, old email address, incorrect mobile number, duplicate SS number, temporary SS number status, or a registration preference that does not match SSS records.
How to Read Your SSS Contribution Record
Seeing numbers on the screen is one thing. Understanding what they mean is another.
Monthly Salary Credit Is Not Always Your Actual Salary
The Monthly Salary Credit, or MSC, is the compensation base used by SSS for contributions and benefits. It follows the SSS contribution table. It may not match your exact salary because SSS uses salary brackets, floors, and ceilings.
For example, if your actual monthly pay is higher than the maximum covered salary credit, your SSS contribution is still capped based on the current contribution table.
Posted Contribution Is More Important Than Payslip Deduction
A payslip deduction means your employer deducted the employee share. It does not automatically prove that SSS received and posted the contribution.
If the deduction appears in your payslip but not in My.SSS, possible explanations include:
- Employer has not yet remitted the contribution.
- Employer paid but the payment has not yet posted.
- Employer used an incorrect SS number.
- Employer reported a wrong name or member information.
- Payment was applied to the wrong month.
- Employer failed to submit or correct the collection list.
- The member has duplicate or mismatched SSS records.
Recent Months May Not Appear Immediately
For employed members, the current payroll month may not show right away. Employers usually remit after payroll and within the applicable SSS deadline. Posting may also depend on payment channel, PRN processing, and employer reporting.
A missing contribution from several months ago is more concerning than a missing contribution from the current or immediately preceding payroll period.
What to Do If Your SSS Contributions Are Missing
If your online SSS record has missing months, do not panic. Handle it methodically.
1. Identify the Exact Missing Months
List the missing months in a simple table:
| Month | Payslip shows SSS deduction? | Posted in My.SSS? | Notes |
|---|---|---|---|
| January | Yes | No | Ask HR for PRN/payment proof |
| February | Yes | Yes | Posted |
| March | Yes | No | Missing |
This makes the issue easier to explain to HR or SSS.
2. Compare Your Payslips and My.SSS Record
Check:
- SSS deduction amount in your payslip
- Pay period covered
- Employer name
- Your SS number used by the employer
- Monthly salary credit shown online
- Actual amount posted
Sometimes the issue is not total non-remittance but under-remittance. For example, your employer may have remitted based on the wrong salary bracket.
3. Ask HR or Payroll for Proof of Remittance
Ask for:
- PRN used for the payment
- Date of payment
- Applicable month or quarter
- Employer SSS number
- Confirmation that your correct SS number was included
- Expected posting date
A good payroll team should be able to verify this. Many missing-posting issues are caused by clerical errors, not deliberate non-remittance.
4. Keep Evidence
Save:
- Payslips showing SSS deductions
- Employment contract or appointment letter
- Certificate of employment, if available
- Company ID or proof of employment
- Screenshots or printouts from My.SSS
- Emails or messages from HR about remittance
- Any SSS reference number or ticket number
5. Raise the Issue With SSS
You may contact SSS through the official SSS Contact Us page, the SSS hotline, the My.SSS portal, or a branch appointment.
For branch visits, bring valid identification and printed proof. If your concern involves an employer, bring your payslips and employment documents. If you are abroad, use My.SSS, the mobile app, official SSS channels, or SSS foreign representative offices where available.
Common Problems When Checking SSS Contributions Online
“I forgot my My.SSS User ID or password.”
Use the forgot password or account recovery option in the My.SSS portal. You may need your CRN or SS number and access to your registered email or mobile number.
If your registered email or mobile number is no longer active, you may need to update your contact information. SSS Form E-4, or the Member Data Change Request, is commonly used for updating member information. For contact information updates, SSS forms indicate that no supporting document may be required, but identity verification is still expected.
“My employer deducted SSS but nothing is posted.”
This may be a remittance, posting, or reporting problem. Start with HR or payroll, then escalate to SSS if needed. Under RA 11199, employer failure or refusal to remit contributions does not automatically defeat the employee’s right to SSS coverage benefits, but the issue must be documented and resolved.
“My salary increased but my SSS contribution did not.”
Check whether your salary is already at or above the current maximum salary credit. If not, ask payroll whether they are using the latest SSS contribution table.
“My name changed after marriage and my account has issues.”
Your SSS record must match your legal documents. Name or civil status changes usually require proper updating with SSS using the required form and supporting documents, such as a PSA-issued marriage certificate for change from single to married.
“I have two SS numbers.”
A member should generally have only one SS number. Duplicate records can cause contribution posting and benefit problems. Have the records consolidated or corrected through SSS.
“My account shows temporary status.”
A temporary SS number or incomplete membership record can limit some transactions. SSS may require documentary proof, such as a birth certificate or other accepted identification documents, to update the record to permanent status.
Special Situations for OFWs, Seafarers, and Filipinos Abroad
OFWs can check SSS contributions online in the same way as local members. The MySSS Mobile App is especially helpful because it allows access from abroad, PRN generation, and online contribution payment through available channels.
For OFWs:
- Check whether your membership type is correct.
- Verify whether payments were made as OFW, voluntary, or through an employer/manning agency.
- Keep PRNs and payment confirmations.
- Review contribution months before applying for loans or benefits.
- Do not wait until retirement age to discover gaps in your record.
For seafarers, contributions may involve the manning agency and foreign principal arrangements. If your record is incomplete, coordinate with the manning agency and SSS, and keep copies of contracts, allotment slips, and payslips.
Notes for Foreign Nationals Working in the Philippines
Foreign nationals employed in the Philippine private sector may be covered by SSS depending on the nature of employment, employer, applicable exemptions, and any relevant social security agreement.
A foreign employee who is properly covered can usually register for an SS number, create a My.SSS account, and check posted contributions like any other member.
Practical issues foreigners often face include:
- Name format mismatch between passport, visa, ACR I-Card, payroll, and SSS records
- Employer uncertainty about coverage
- Short-term assignments where payroll is split between countries
- Social security totalization or bilateral agreement questions
- Loss of access to Philippine mobile numbers after leaving the country
Foreign nationals should keep copies of their employment contract, passport information page, work permit or visa documents, ACR I-Card if applicable, payslips, and SSS records.
Documents and Information You May Need
| Situation | Documents or information to prepare |
|---|---|
| Checking online only | User ID, password, registered email/mobile, SS number or CRN |
| Creating My.SSS account | SS number/CRN, email, mobile number, birth date, address, registration preference |
| Missing employer contributions | Payslips, employment proof, My.SSS screenshots, employer name, employer SSS number if known |
| Wrong name or civil status | SSS E-4 form, valid IDs, PSA documents such as birth or marriage certificate |
| Duplicate SS number | Valid IDs, SS records, E-1/E-4 forms, any SSS-issued documents |
| OFW payment issue | PRNs, payment confirmations, contract, overseas employment documents |
| Foreign national coverage issue | Passport, visa or work permit, ACR I-Card if applicable, contract, payslips |
Fees and Timelines
| Transaction | SSS fee | Typical timing |
|---|---|---|
| Checking contributions online | None | Usually immediate once logged in |
| My.SSS membership records inquiry | None | SSS Citizen’s Charter indicates about one minute for online inquiry |
| Mobile app contribution viewing | None | Usually immediate, depending on system availability |
| Password reset | None | Often immediate if registered email/mobile is active |
| Contribution payment posting | Usually no SSS inquiry fee; payment channel fees may apply | Can be same day or may take several days depending on payment channel and reporting |
| Employer correction or missing posting issue | None for inquiry | May take longer, especially if employer records must be corrected |
Safety Tips When Using My.SSS Online
Your SSS account contains sensitive personal and financial information. Protect it carefully.
- Do not share your My.SSS password with HR, fixers, lending agents, or friends.
- Do not post screenshots showing your full SS number.
- Use only official SSS websites and apps.
- Avoid public Wi-Fi when logging in.
- Update your email and mobile number if you change them.
- Log out after using a shared device.
- Be careful with “SSS assistance” pages that ask for your login details.
The Data Privacy Act of 2012, Republic Act No. 10173, protects personal information in the Philippines. Your SS number, identity documents, contact details, and contribution records should be handled with care.
Frequently Asked Questions
How can I check my SSS contribution online?
Log in to the official My.SSS portal, go to E-Services, click Inquiry, then look for Member Info and Actual Premiums or the contribution details section. You can also use the MySSS Mobile App and open the contribution or Actual Premiums feature.
Can I check my SSS contribution without going to a branch?
Yes. My.SSS and the MySSS Mobile App allow members to check posted contributions online. A branch visit is usually needed only if you cannot access your account, need record correction, have duplicate SS numbers, or have an unresolved posting issue.
Why are my latest SSS contributions not posted yet?
Recent contributions may not appear immediately because the employer may still be within the remittance period, the payment may still be processing, or the employer may not yet have completed reporting. If the missing month is old or your payslip shows deductions for several unposted months, verify with payroll and SSS.
What should I do if my employer deducted SSS but did not remit it?
Collect your payslips, My.SSS screenshots, and employment documents. Ask payroll for the PRN, payment date, and confirmation that your correct SS number was included. If the issue is not resolved, raise it with SSS through official channels. Employer non-remittance can carry civil, administrative, and criminal consequences under RA 11199.
Can I pay missing employer contributions myself?
If you were employed during those months, be careful. The employer is legally responsible for remitting the correct employee and employer shares. Paying as a voluntary member for the same period may create classification or posting issues. Ask SSS how to handle the specific missing months before making duplicate payments.
How many SSS contributions do I need for benefits?
It depends on the benefit. Retirement, maternity, sickness, disability, unemployment, funeral, and death benefits have different contribution and timing requirements. Do not rely only on the total number of contributions; check whether the required contributions fall within the correct qualifying period.
Can OFWs check SSS contributions online?
Yes. OFWs can use My.SSS or the MySSS Mobile App to view contributions, generate PRNs, and check payment records. This is often the easiest way to monitor contributions while abroad.
Can foreigners check SSS contributions online?
Yes, if they are properly registered and covered by SSS. Foreign nationals working in the Philippines should make sure their employer used the correct SS number and personal details, especially where names differ across passport, visa, payroll, and SSS records.
Is the SSS contribution record online official?
The My.SSS contribution record is the member’s online SSS record of posted contributions. For disputes, benefit applications, or employer issues, keep screenshots or printouts and obtain official confirmation from SSS when necessary.
What if I cannot register for My.SSS because my email or mobile number is old?
You may need to update your contact information with SSS. Depending on your account status, this may be done online or through SSS record updating procedures. Prepare valid IDs and your SS number or CRN.
Key Takeaways
- Check your SSS contributions online through the official My.SSS portal or MySSS Mobile App.
- Look for Actual Premiums to see posted contributions month by month.
- A payslip deduction is not the same as a posted SSS contribution.
- Under RA 11199, employers must remit contributions and cannot charge the employer share to employees.
- Missing contributions should be documented with payslips, My.SSS screenshots, and HR or payroll records.
- OFWs and covered foreign nationals can also monitor SSS contributions online.
- Keep your My.SSS login secure and update your contact details to avoid account recovery problems.