Here’s a complete, practical Philippine-context guide to replacing a lost UMID card—what to do first, the requirements, fees, step-by-step for SSS vs. GSIS members, delivery, timelines, and common gotchas. (UMID = Unified Multi-Purpose ID, carrying your CRN that links SSS, PhilHealth, Pag-IBIG/HDMF, and, for government workers, GSIS.)

First things first (do these now)

Secure your accounts
- Log in to My.SSS (or eGSISMO for GSIS) and confirm your mobile/email and mailing address are correct.
- If your lost UMID was also an ATM Pay Card (bank-linked UMID): call the partner bank immediately to block the card and ask their replacement flow in parallel with the UMID replacement.
Prepare an Affidavit of Loss (notarized)
- State when/where you lost the card and that it wasn’t surrendered to anyone.
- Keep a photocopy and the notarized original for your application.
Gather a valid ID
- Bring at least one (1) government-issued ID with photo/signature (passport, driver’s license, PRC, postal ID, PhilID, etc.). If you have none, prepare two secondary IDs or supporting docs.

What stays the same vs. what changes

Your CRN (Common Reference Number) stays the same. That’s your permanent UMID number used across SSS/GSIS/PhilHealth/Pag-IBIG.
You’ll get a new physical card (new print date; for ATM Pay Cards, a new bank card/PAN).
Benefits/records are unaffected; only the plastic is replaced.

Requirements checklist

✔ Accomplished UMID Card Application (check the reason: “Card Replacement – Lost” or “Damaged”).
✔ Notarized Affidavit of Loss (or the damaged card if replacing due to damage).
✔ One (1) valid government ID (or acceptable alternates).
✔ Recent 1×1 or 2×2 photo isn’t necessary—biometrics are captured digitally at the branch.
✔ Payment for replacement (bring cash; typical government replacement fees are modest).
✔ (If name/biodata changed) Civil registry proof (PSA marriage cert, court order, etc.)—you’ll update records first, then process the card.

Fees & timelines (what to expect)

Replacement fee: expect a standard replacement fee for lost/damaged UMID cards. (Original issuance is free; replacements are paid.)
Processing time: from biometric capture to card release/delivery typically takes several weeks (plan for 4–8+ weeks; provincial deliveries can take longer).
Delivery: cards are usually mailed to your registered address; some cases require branch pick-up (bring your claim stub/ID).

(Tip: make sure your address in SSS/GSIS is accurate before you submit—wrong addresses are the #1 cause of delays/returns.)

Step-by-step: SSS members (private-sector, self-employed, voluntary, OFW)

Set an online appointment (recommended)
- Log in to My.SSS → book a UMID capture/ID services slot at your chosen branch (walk-ins are often limited).
Complete the UMID Card Application
- Tick Card Replacement – Lost/Damaged; print and sign.
- If you also want the UMID ATM Pay Card feature (to receive SSS benefits/loans to a bank card), check the appropriate option or follow the partner-bank enrollment steps provided by SSS.
Go to the SSS branch (on your appointment date)
- Bring Affidavit of Loss, valid ID, and payment.
- SSS will capture photo, fingerprints, and signature (even for replacements).
- You’ll get a claim stub/reference.
Delivery or pick-up
- Track via My.SSS (UMID Card status).
- Receive by mail or pick-up per branch instruction. Bring your ID and claim stub.
After you receive the card
- If you chose the ATM Pay Card option, follow the bank activation steps (PIN setting, SMS/email enrollment).
- Update your e-wallets/banks that used your UMID as a KYC ID if they need a new image copy.

Step-by-step: GSIS members (government employees, pensioners)

Update records in eGSISMO (contact details/address).
Book with GSIS for UMID/biometric capture or card services (some sites use kiosks/mobiles).
Submit your UMID Card Application, Affidavit of Loss, valid ID, and fee at the GSIS handling office.
Capture (photo/signature/fingerprints).
Release: GSIS notifies you for pick-up or mails the card, depending on your location.

(If you’re both SSS and GSIS-covered at different times, your CRN is the same. Replace the card through your current administering agency.)

If your UMID was also an ATM Pay Card

Block immediately via the partner bank’s hotline/app and ask for their card replacement steps.
Do the UMID replacement with SSS/GSIS in parallel—the ID plastic and the bank card are handled through linked but separate processes.
Expect two deliveries (UMID ID and the bank card) or an instruction to pick up/activate.

Lost while you have pending claims/loans

Proceed with the replacement; your claims/loans continue processing using your CRN.
If a counter-party absolutely needs a physical ID while you wait, use alternate gov’t IDs; UMID is convenient but not the only acceptable ID.

Special cases & edge scenarios

Change of name/sex/birthdate corrections: update your SSS/GSIS member data first (attach PSA/court documents), then file the UMID replacement so the new card reflects the corrected data.
Damaged but readable chip/photo: you can request card replacement – damaged (no Affidavit of Loss; surrender the old card).
No other valid ID: bring what you have; agencies may accept secondary IDs or certifications—but expect tighter scrutiny.
Address inaccessible for mail: inform the branch; they can set pick-up on release.
Senior/PNPWD: bring your senior/PWD ID; some sites prioritize queues but requirements are the same.

Practical tips that prevent headaches

Photograph/scan your UMID (front/back) and note your CRN; store it securely.
Keep the UMID claim stub and fee receipt until you have the card in hand.
Don’t laminate, punch, or sticker the new card—warped cards are a common cause of early replacements.
If your mail is unreliable, consider requesting branch pick-up at filing time (ask the counter).
For OFWs: coordinate with your authorized representative through an SSS SPA (special power of attorney) if you can’t appear for biometric capture; note that live biometrics are typically still required for the card.

Simple Affidavit of Loss template (customize & notarize)

AFFIDAVIT OF LOSS I, [Your Name], [nationality], of legal age, with address [address], after being duly sworn, state:

I am the holder of a Unified Multi-Purpose ID (UMID) bearing CRN [____] issued on or about [date/year].

On [date] at [place], I [lost/was unable to locate] my UMID card despite diligent search; it has not been found to date.

I did not surrender or deliver it to any person or entity, nor authorize anyone to use it.

I execute this Affidavit to support my application for UMID card replacement and for any lawful purpose it may serve. [Signature over printed name] ID shown: [type/number] (Jurat/Notary block)

FAQs

Do I get a new CRN when I replace a lost card? No. Your CRN remains the same; you simply receive a new card.

Is the replacement free? No. Replacements (lost/damaged) carry a fee; original first-time issuance is free.

How long is the wait? Plan for several weeks from biometric capture to delivery/pick-up; times vary by location and mail service.

Can I use other IDs while waiting? Yes. Agencies/banks accept other government IDs. UMID is widely accepted but not exclusive.

My UMID doubles as an ATM Pay Card—must I replace it with the same bank? Follow the bank’s rules under the SSS UMID ATM Pay Card program. You can block and replace through the bank while also filing the UMID card replacement with SSS.

Bottom line

Replacing a lost UMID is straightforward: prepare a notarized Affidavit of Loss, a valid ID, pay the replacement fee, capture biometrics, then wait for mail/pick-up. Your CRN doesn’t change, claims and records remain intact, and if your UMID was bank-linked, block it with the bank right away and process the UMID and card replacements in tandem.

If you tell me (1) whether you’re SSS or GSIS, (2) if your UMID was an ATM Pay Card, and (3) your province/city, I can tailor a mini checklist and a filled-out Affidavit of Loss you can print and notarize.