The fastest way to check whether your employer is actually remitting your Social Security System contributions is to review your posted contributions through your My.SSS account or the SSS mobile app. A deduction on your payslip is not enough by itself: it shows that money was withheld from your salary, but it does not prove that the amount was paid and correctly credited to your SSS record. Before assuming there is a violation, check the contribution deadline, the applicable month, the amount posted, and the employer listed in your employment history.

Quick Answer: How to Check Your Employer’s SSS Remittances

You can check your SSS contributions by following these basic steps:

Sign in to the My.SSS Member Portal.
Open the section for Contributions, Actual Premiums, or Monthly Contributions.
Select the year you want to review.
Check whether each month of employment has a posted contribution.
Compare the amount with your salary and the applicable official SSS contribution table.
Review your Employment History to confirm that your current employer reported you to SSS.
Save screenshots or a copy of the contribution record if you see missing or incorrect entries.

The SSS mobile app also allows members to view their monthly contributions. Menu names may differ slightly depending on the app version, but the information is generally found under Contributions or Actual Premiums. (SSS Member Portal)

A contribution is not necessarily late simply because it does not appear immediately after payday. For a regular employer, the usual deadline is the last day of the month following the applicable month. For example, the contribution for January is generally due on the last day of February. If the deadline falls on a Saturday, Sunday, or holiday, payment may be made on the next working day. (Social Security System)

What Your Employer Is Legally Required to Do

The main law governing SSS coverage and contributions is Republic Act No. 11199, or the Social Security Act of 2018.

An employer covered by the law must:

Register with the SSS.
Report employees for compulsory coverage.
Deduct the employee’s share from the employee’s salary.
Add the employer’s required share.
Pay the Employees’ Compensation contribution, which is borne entirely by the employer.
Remit the contributions within the prescribed deadline.
Submit accurate contribution and employment records to SSS.
Keep payroll, employment, deduction, and payment records that SSS may inspect.

The employee becomes compulsorily covered from the first day of employment, subject to the rules of the SSS law. The employer cannot avoid SSS obligations merely because the employee is probationary, part-time, temporary, casually hired, or paid daily, provided an employer-employee relationship exists and no legal exemption applies.

Current SSS contribution rate

Effective January 2025, the regular SSS contribution rate is 15% of the employee’s Monthly Salary Credit, divided as follows:

Contribution component	Who pays
Employer share	10% of Monthly Salary Credit
Employee share	5% of Monthly Salary Credit
Employees’ Compensation contribution	Employer only

The maximum Monthly Salary Credit is ₱35,000. The Employees’ Compensation contribution is generally ₱10 for a Monthly Salary Credit of ₱14,500 or below and ₱30 for a Monthly Salary Credit of ₱15,000 or above. These rates remain the operative rates unless SSS issues a later adjustment. (Social Security System)

The Monthly Salary Credit, often abbreviated as MSC, is the salary basis used to calculate contributions. It may not be identical to the exact amount of your monthly salary because SSS contribution tables assign salaries to corresponding MSC brackets.

Step-by-Step: Check Your Contributions Through My.SSS

1. Create or access your My.SSS account

Go to the My.SSS Member Portal and sign in using your registered user ID and password.

If you have not registered, use the official My.SSS registration page. You will normally need personal information that matches your SSS records and at least one record-verification detail, such as a previously reported employer, contribution payment reference, loan record, or other information requested by the portal.

If your email address or mobile number is outdated, you may need to update your contact information through SSS before you can fully recover or activate your account.

2. Open your contribution record

Look for a menu labeled:

Contributions;
Actual Premiums;
Monthly Contributions; or
Contribution Inquiry.

Select the calendar year or period you want to review.

For each entry, pay attention to:

The applicable month;
The amount posted;
The type of contribution;
The employer identification or employer name, when displayed; and
Any gaps during months when you were working.

The applicable month is the month for which the contribution was due, not necessarily the month when SSS received the payment.

3. Check your employment history

Review the employment information recorded in My.SSS.

A missing current employer may suggest that the employer has not properly reported your employment. This is different from non-remittance:

Non-reporting means the employer did not properly register or report you as an employee.
Non-remittance means the employer reported you but failed to pay the required contribution.
Under-remittance means a contribution was paid, but the amount was lower than what should have been paid based on your compensation.

These problems may occur separately or together.

4. Compare the posted contribution with your salary

Use the official SSS contribution table applicable to the month being checked. Contribution rates change over time, so do not use the current table to judge contributions from several years ago.

Compare:

Your gross compensation subject to SSS contribution;
The employee deduction shown on your payslip;
The corresponding Monthly Salary Credit;
The total contribution that should have been reported; and
The amount actually posted in My.SSS.

The amount shown in My.SSS may include both the employer and employee shares. It will therefore usually be higher than the deduction shown on your payslip, which represents only your employee share.

5. Check whether the remittance deadline has already passed

Suppose your employer deducted your April contribution from your April salary. The regular deadline is generally the last day of May.

A missing April contribution viewed in early May is not yet proof of late remittance. A missing contribution viewed well after the deadline deserves further checking.

6. Save evidence of any discrepancy

Take clear screenshots showing:

Your name or account identifier;
The contribution year;
The missing or incorrect months;
The amounts posted;
Your employment history; and
The date when you accessed the record.

Keep the original electronic files. Avoid relying solely on cropped screenshots that omit the year, month, or account context.

How to Interpret What You See in Your SSS Record

What appears in My.SSS	Possible explanation	What to do
Current month is missing	Employer’s payment deadline may not have passed	Check again after the deadline
One recent month is missing	Processing delay, incorrect reporting, or late payment	Ask payroll for employee-level proof of remittance
Several consecutive months are missing	Possible non-remittance or non-reporting	Make a written inquiry and prepare an SSS complaint
Employer is absent from employment history	Employer may not have reported your employment	Ask for the employer’s SSS reporting details
Contributions are posted but unusually low	Possible under-remittance or incorrect salary reporting	Compare with payslips and the applicable contribution table
Payslip shows deductions but My.SSS shows no payments	Deduction may not have been remitted or correctly credited	Preserve payslips and report the discrepancy
Contributions appear under the wrong month	Employer may have used an incorrect applicable period	Request correction through the employer and SSS
Employer claims payment but nothing is posted	Payment may be unapplied, incorrectly encoded, or unsupported by an employee list	Ask for proof tied to your SS number and applicable month

An employer’s general payment receipt does not always prove that your individual contribution was included. Employers commonly make payments covering multiple employees. A payment reference number or receipt may show that the company paid SSS, but not necessarily that your name, SS number, compensation, and applicable month were correctly included in the electronic contribution collection list.

Verify the Discrepancy With Payroll or HR

Before filing a formal complaint, it is usually practical to send a written request to payroll, human resources, or the business owner. Written communication creates a record and may resolve an encoding or posting problem more quickly.

Your request should identify:

Your full name;
Your SS number, preferably with some digits masked in ordinary email;
Your employment dates;
The missing or incorrect applicable months;
The deductions shown on your payslips; and
The date when you checked My.SSS.

Ask for employee-specific proof, such as:

The employer’s contribution list showing your name or SS number;
The applicable month covered;
The contribution amount reported for you;
The payment reference number;
The SSS payment receipt or confirmation; and
Any correction request already filed with SSS.

Give the employer a reasonable period to respond, such as five working days. Preserve the original email, letter, delivery receipt, chat messages, and any response.

Employers are required to maintain accurate employment, payroll, deduction, and contribution records and to produce relevant records when required by SSS. (Social Security System)

Documents to Collect Before Filing a Complaint

The stronger your documentation, the easier it is for SSS to verify your employment and assess the employer’s account.

Useful evidence includes:

Payslips showing SSS deductions;
Employment contract or appointment letter;
Certificate of employment;
Company identification card;
Payroll bank statements;
Daily time records or attendance sheets;
BIR Form 2316;
Emails or messages assigning work or confirming employment;
Screenshots of your My.SSS contributions;
Screenshots of your employment history;
Written requests sent to HR or payroll;
The employer’s reply, if any;
The employer’s registered name, business address, branch address, and contact information; and
Names of officers, owners, managers, or payroll personnel who handled the matter.

Even if you do not have a formal employment contract, other evidence may establish employment. Actual work arrangements, payment records, schedules, company instructions, identification cards, messages, and witness statements can all help SSS investigate.

How to File a Complaint Against an Employer With SSS

The 2026 SSS Citizens’ Charter provides a formal process called Receiving of Member’s Complaint Against Employer. It covers complaints involving:

Non-reporting for SSS coverage;
Non-remittance of contributions or loan amortizations; and
Under-remittance or underpayment.

The service is available to employed members through an SSS branch, foreign office, or service office. (Social Security System)

Required documents

Requirement	Practical details
Sinumpaang Salaysay	Original, properly completed and notarized
Data Privacy Notice and Consent	Original signed copy
Proof of employment	Original documents for presentation and photocopies for submission
Payslips	Bring originals and photocopies, especially those showing SSS deductions
Valid identification	Original for presentation and required photocopies

A Sinumpaang Salaysay is a sworn written statement describing the complaint. It should clearly state:

When you started working;
Your position and compensation;
How often you were paid;
The months with deductions or missing contributions;
When you discovered the problem;
What you asked the employer to do;
How the employer responded; and
What supporting documents you are submitting.

Because it is sworn, it must be signed before a notary public or another officer authorized to administer oaths.

For identification, SSS generally accepts one primary identification document. Recognized primary documents include a passport, driver’s license, National ID, UMID card, SSS card, NBI clearance, Alien Certificate of Registration, postal ID, seafarer’s identification document, and voter’s ID. If you do not have a primary ID, SSS may require two secondary documents, both signed and at least one bearing your photograph.

Filing procedure

Go to the appropriate SSS branch, foreign office, or service office.
Submit the notarized Sinumpaang Salaysay and supporting documents.
Present your original identification and employment evidence.
Participate in the interview conducted by the receiving SSS personnel.
Obtain your receiving copy, acknowledgment, reference number, or other proof of filing.
Keep the contact details of the branch or unit handling the complaint.
Follow up using the reference details provided by SSS.

You can locate an office through the SSS branch locator. For general inquiries, SSS lists hotline 1455 and the email address usssaptayo@sss.gov.ph on its official contact page. (SSS Member Portal)

Fees and processing time

SSS does not charge a filing fee for receiving an employer complaint. However, you may personally incur costs for notarization, photocopying, transportation, or authentication of documents executed abroad.

The 2026 Citizens’ Charter lists a processing commitment of approximately seven working days for receiving the complaint, checking the documents, conducting the initial interview, preparing the necessary employer communication, and notifying the member of the status. This does not mean that collection, correction of records, or legal action will necessarily be completed within seven working days. Final resolution depends on the employer’s response, the completeness of records, account reconciliation, field investigation, and possible legal proceedings.

What SSS Does After Receiving the Complaint

SSS may:

Review your employment and contribution records.
Verify the employer’s registration and account.
Ask the employer to submit payroll, employment, and payment records.
Issue a request for records, billing letter, or collection notice.
Determine unpaid contributions, penalties, and other liabilities.
Require correction of reporting or contribution records.
Refer the employer’s account to the SSS Legal Department when the employer fails or refuses to comply.

If the employer ignores the initial request or billing communication, the account may be referred for a formal demand and legal action. The process may take longer where the business has closed, transferred addresses, changed ownership, kept incomplete payroll records, or disputes the existence or duration of employment.

What Happens if You Need an SSS Benefit While Contributions Are Missing?

Under Section 22(b) of RA 11199, an employer’s failure or refusal to pay contributions should not, by itself, prejudice the covered employee’s right to benefits.

In practice, however, missing contributions may require SSS to verify:

Whether an employer-employee relationship existed;
The correct date of coverage;
The employee’s compensation;
The contributions that should have been paid; and
Whether the qualifying requirements for the benefit would have been met.

Under SSS Circular No. 2025-001, an employer may be held liable for damages when its failure to report an employee correctly or remit the correct contributions reduces, delays, or prevents payment of the benefit that the employee should have received. The damages may correspond to the benefit, or the difference between the benefit actually paid and the amount that should have been paid with proper contributions. SSS may bill the employer and pursue collection or legal action.

If a sickness, maternity, disability, unemployment, retirement, death, or funeral claim is affected, inform the SSS claims personnel that you have an employer non-remittance issue. Submit proof of employment and your complaint reference. Do not assume that a missing online posting automatically ends your entitlement.

Penalties for Failure to Remit SSS Contributions

An employer that fails to pay contributions on time may be assessed:

The unpaid contributions;
A penalty of 2% per month from the date the contribution became due until fully paid;
Civil liability and collection costs;
Criminal penalties under RA 11199; and
Possible liability for benefits or damages caused by the non-compliance.

RA 11199 provides criminal penalties that may include a fine and imprisonment for violations of the SSS law. Where an employer deducts an employee’s contribution or loan amortization but fails to remit it within 30 days from the due date, the amount is presumed to have been misappropriated, without preventing prosecution under applicable provisions of the Revised Penal Code, including Article 315 on estafa when its legal elements are present. (Lawphil)

In Kua v. Sacupayo, the Supreme Court, applying the previous SSS law, addressed an employer who had deducted employee contributions and loan payments but stopped remitting them. The Court explained that SSS violations are generally treated as mala prohibita, meaning prohibited by law regardless of a claim of good faith. Belated payment made only after employees were denied benefits and filed complaints did not automatically reduce the conduct to a harmless delay. The doctrine remains instructive when evaluating prolonged non-remittance under the current SSS law. (Supreme Court E-Library)

Common Situations and Practical Problems

You are newly hired

Your first contribution may not appear immediately. Confirm the applicable month and wait until the employer’s payment deadline has passed. Also check whether your employer has already reported your employment.

You already resigned

Resignation does not erase the employer’s obligation to report and remit contributions for the months you worked. You may still file a complaint after leaving the company.

Keep your clearance documents, final payslip, certificate of employment, resignation acceptance, payroll records, and screenshots of your SSS account.

Your payslip shows a deduction, but no contribution appears

This is a serious warning sign once the remittance deadline has passed. Preserve every payslip showing the deduction. Ask for proof tied specifically to your name, SS number, contribution amount, and applicable month.

Contributions are posted, but the amounts are too low

This may be under-remittance. Compare your gross compensation with the contribution table that applied during each disputed period.

Some payments may not form part of the regular contribution base, but an employer should not report an artificially low salary merely to reduce contributions. Ask payroll to explain how the MSC was determined.

The employer says the contribution is “already paid”

Ask for more than a company-wide payment receipt. Request the employee-level contribution list or electronic collection list showing that your SS number and applicable month were included.

If the employer provides credible proof but the amount remains missing, the problem may involve an incorrect SS number, wrong applicable month, duplicate record, payment posting error, or unapplied payment. Bring the documents to SSS for reconciliation.

The company has closed

File the complaint using the last known business address and all information you have regarding the owners, officers, directors, managers, or responsible persons. Collection may be slower, but closure does not automatically cancel unpaid SSS obligations.

You are working abroad or are a foreign employee in the Philippines

A foreign national employed in the Philippines may be compulsorily covered, subject to RA 11199, applicable international agreements, and SSS rules. An Alien Certificate of Registration or foreign passport may be accepted as identification for relevant SSS transactions.

A worker who is already abroad may approach the nearest SSS foreign office regarding complaint filing and document requirements. When a sworn statement will be signed outside the Philippines, confirm whether the office requires consular notarization, local notarization with apostille, or another form of authentication before paying for the document process.

Frequently Asked Questions

How do I know whether my employer paid my SSS contribution?

Log in to My.SSS or the SSS mobile app and review your monthly contribution record. Check the applicable month, amount posted, and employment history. A payslip deduction alone does not prove remittance.

How long before an employer’s SSS payment appears online?

Posting time can vary depending on the payment channel and whether the employer submitted correct employee-level information. First check whether the legal payment deadline has passed. If the entry is still missing after the deadline and a reasonable posting period, ask the employer for proof and contact SSS.

Can I check my SSS contributions without going to a branch?

Yes. You can check contributions through the My.SSS portal or SSS mobile app. A branch visit may become necessary if you cannot access your account, need records corrected, or want to file a formal employer complaint.

What should I do if only one month is missing?

Check the deadline and compare adjacent months. Ask payroll whether the payment was delayed, placed under the wrong applicable month, or submitted with an incorrect SS number. Save the response and check your record again.

Can my employer deduct SSS but remit it late?

The employer is legally required to remit by the prescribed deadline. Late payment exposes the employer to penalties. Deducting the employee’s share does not allow the employer to hold or use the money indefinitely.

Will I lose my SSS benefits if my employer did not remit?

The law states that the employer’s failure or refusal to remit should not prejudice a covered employee’s right to benefits. You may nevertheless have to prove your employment, compensation, and coverage while SSS verifies the employer’s liability.

Can I complain anonymously?

A formal member complaint normally requires a signed and notarized Sinumpaang Salaysay, identification, proof of employment, and consent documents. Because SSS must verify your individual employment and contribution history, a fully anonymous complaint may not be sufficient to correct your personal record.

Can I file an SSS complaint after resigning?

Yes. Former employees may report unremitted, under-remitted, or unreported contributions covering their period of employment. File as soon as practical while payroll records, witnesses, and company information remain available.

Does an SSS payment receipt prove that my contribution was included?

Not necessarily. A receipt may cover a batch payment for many employees. Ask for the corresponding employee contribution list showing your SS number, applicable month, and amount.

Do I have to pay to file a complaint with SSS?

SSS does not charge a filing fee for receiving the employer complaint. You may still pay incidental expenses such as notarization and photocopying.

Key Takeaways

Check your posted contributions through My.SSS or the SSS mobile app.
Wait until the employer’s remittance deadline has passed before treating a recent missing entry as a violation.
Compare the applicable month, salary bracket, contribution amount, and employer history.
A payslip deduction proves withholding, not actual remittance.
Ask for employee-specific proof, not merely a general company payment receipt.
Preserve payslips, employment documents, screenshots, and written communications.
Formal complaints require a notarized Sinumpaang Salaysay, proof of employment, payslips, consent documents, and valid identification.
SSS may inspect employer records, assess unpaid contributions and penalties, demand payment, and refer persistent non-compliance for legal action.
Missing employer contributions do not automatically extinguish an employee’s statutory right to SSS benefits.