SSS for OFWs — Voluntary Membership & Benefits Guide 2026
The Social Security System (SSS) provides retirement pension, disability, maternity, sickness, and death benefits to Filipino workers. OFWs can continue contributing as voluntary members to build their pension and maintain benefit eligibility while working abroad.
Key point: OFW SSS membership is voluntary but highly recommended. Continuous contributions build your pension and keep you eligible for loans, maternity, and other benefits. You can pay online or through Philippine banks and remittance centres.
SSS Contribution Table for OFWs (2026)
| Monthly Salary Credit (MSC) | Monthly Contribution | Includes EC |
|---|---|---|
| PHP 5,000 | PHP 700 | PHP 670 + PHP 30 |
| PHP 10,000 | PHP 1,400 | PHP 1,370 + PHP 30 |
| PHP 15,000 | PHP 2,100 | PHP 2,070 + PHP 30 |
| PHP 20,000 | PHP 2,800 | PHP 2,770 + PHP 30 |
| PHP 25,000 | PHP 3,500 | PHP 3,470 + PHP 30 |
| PHP 30,000 (max) | PHP 4,200 | PHP 4,170 + PHP 30 |
OFWs pay the full contribution (employee + employer share) as voluntary members. The Employees' Compensation (EC) component of PHP 30 is included.
SSS Benefits for OFWs
Retirement Pension
- Minimum 120 monthly contributions
- Monthly pension at age 60 (optional) or 65 (mandatory)
- Pension formula: PHP 300 + 20% of average MSC + 2% per year of CYS over 10 years
- Minimum pension: PHP 2,000 – PHP 4,000/month
Disability & Death
- Total disability: monthly pension for life
- Partial disability: lump sum or monthly
- Death benefit: pension transferred to beneficiaries
- Funeral grant: PHP 40,000
Maternity
- Normal delivery: 60 days salary benefit
- Caesarean: 78 days salary benefit
- Must have 3 months contributions within 12 months before childbirth
Loans
- Salary loan: up to 2 months MSC
- Calamity loan: 1 month MSC
- Must have 6 months contributions for loan eligibility
How to Pay SSS Contributions Abroad
- SSS Mobile App / My.SSS Portal: Generate payment reference number (PRN) online, pay through partner banks
- Philippine banks: BDO, BPI, Metrobank, PNB — online banking or over-the-counter
- GCash / Maya: Pay through mobile wallet
- Bayad Center / SM Bills Payment: Have family in Philippines pay on your behalf
- Remittance partners: Some remittance centres abroad accept SSS payments
Related Pages
PhilHealth Abroad
Healthcare coverage
Pag-IBIG Abroad
Housing fund & MP2
Pension Guide
Retirement planning
SSS Quick Facts
- Type: Voluntary for OFWs
- Min contribution: PHP 700/month
- Max contribution: PHP 4,200/month
- Pension age: 60 (optional), 65 (mandatory)
- Min for pension: 120 months
- Hotline: +63 2 8920-6446
OFW Services