Published: May 15, 2020 | Posted by: Moneymax | Government Services
Did you resign from your job to become a full-time freelancer, OFW, or a business owner? Paying your Pag-IBIG, PhilHealth, and SSS contributions is no longer your former employer’s responsibility—you have to do voluntary contribution from now on.
It’s important to continue your contribution payments with these government offices as a voluntary member. You can avail of a personal loan or housing loan, benefits (such as sickness, maternity, and retirement benefits), and health insurance—only if you meet the required minimum number of contributions.
Here are the things you need to do if you’re planning to continue your voluntary contribution to Pag-IBIG, PhilHealth, and SSS.
Table of Contents
Before you can start remitting your voluntary contribution, you need to update your membership status with Pag-IBIG, PhilHealth, and SSS from employed to self-employed or OFW. It involves going to each of the government agency’s branch and filling out a form. You may be also required to present supporting documents.
*Note: The ESAV contains all your Pag-IBIG contributions remitted by your previous employers. You can get it from the Pag-IBIG branch where your last employer paid your contributions.
OFWs may present any of these documents when updating their membership to voluntary contribution:
Read more: The Ultimate Money Remittance Guide for OFWs
Make your contributions to Pag-IBIG, PhilHealth, and SSS a fixed part of your monthly budget so that you won’t miss a payment. Here’s what you need to know about the voluntary contribution rates for self’employed and OFWs.
The minimum monthly savings or contribution for all Pag-IBIG members, including freelancers and OFWs, is PHP 200. You may increase your monthly payments to maximize your Pag-IBIG benefits.
PhilHealth Voluntary Contribution Rates
PhilHealth recently announced a contribution hike that will increase the voluntary contribution of OFWs from 2.75% to 3%. But after a public uproar, President Rodrigo Duterte urged the agency to suspend the collection indefinitely. For the meantime, members “can still opt to pay or not to pay for the moment.” 
Whether you’re a self-employed or an OFW-member, your SSS contribution rate is 11% of your monthly salary credit, which is based on the monthly income you declared when you updated your SSS membership records.
For OFWs, the minimum monthly salary credit is at PHP 8,000, so the minimum SSS contribution is PHP 960. OFWs earning PHP 19,750 or higher per month pay the maximum contribution of PHP 2,400.
Refer to the SSS contributions table for the full list of rates for voluntary contribution.
For real-time posting of your contributions, pay them directly to any branch of Pag-IBIG, PhilHealth, and SSS. A more convenient option is to pay through one of their accredited bills payment centers or collecting agents. Posting of payments made through these channels may take up to three days.
Pag-IBIG, PhilHealth, and SSS contribution payments are accepted at all Bayad Center outlets, SM bills payment counters, and Robinsons Business Centers. Paying via GCash is also easy, but it accepts only SSS and Pag-IBIG contribution remittances.
OFWs can pay over-the-counter at I-Remit and Ventaja International branches abroad. Both accept payments for Pag-IBIG, PhilHealth, and SSS contributions. Here are the other options for paying your government contributions.
Freelancers and OFWs may remit Pag-IBIG contributions using their Mastercard or Visa credit cards. Just go to the Pag-IBIG Online Payment Facility to make a credit card payment.
OFWs may remit their contributions abroad through AUB and PNB branches in their country of employment.
You can pay your contributions in any of the PhilHealth-accredited collecting agents in the Philippines or abroad.
Alternatively, OFWs may pay contributions at the PhilHealth counter at the One-Stop Service Center for OFWs (OSSCO) on the ground floor of the Philippine Overseas Employment Administration (POEA) office in Ortigas Ave. cor. EDSA, Mandaluyong City.
You can pay your SSS contributions over the counter through these partner banks. OFWs can also assign a family member or any representative to pay their SSS contribution on their behalf at any accredited payment centers in the Philippines.
Voluntary members can also choose to pay their SSS contributions through these online payment options.
OFWs can pay their contributions through these accredited agents abroad.
To ensure timely payments of your SSS contributions, you may enroll in the auto-debit arrangement system of any SSS partner bank:
Pay your voluntary contribution to Pag-IBIG, PhilHealth, and SSS on or before the due dates so that you can easily avail of the benefits and loans from these agencies anytime.
You may remit your Pag-IBIG contributions every month or every quarter. The deadline for monthly payments is on the 10th day of the following month. For example, if you’re paying for July, your due date is August 10.
As for quarterly payments, remit on or before the 10th day of the first month of the next quarter. For example, if you’re paying for the third quarter of the year (July to September), your due date is October 10.
Freelancers may remit their PhilHealth voluntary contribution monthly, quarterly, semi-annually, or annually. Here are the due dates for each payment schedule:
Land-based OFWs must pay their yearly PhilHealth contributions as soon as their coverage or validity period expires.
Voluntary members of SSS may remit contributions every month or quarter. The due dates are based on the last digit of their SSS number.
For example, if your SSS number ends in 1, your July payment is due on August 10. If you’re paying for the third quarter of the year (July to September), your deadline is October 10.
OFWs can pay their SSS contributions for a given year any time within that year. If you’re paying for October to December, your due date is on January 31 of the following year.
As long as you don’t miss your contribution payments, you can rest easy knowing that you’re qualified for a benefit or loan from the government whenever you need it. Just be sure that all your Pag-IBIG, PhilHealth, and SSS contributions are well accounted for.
With a goal to help Filipinos lead healthier financial lives, Moneymax regularly publishes tips and tricks on personal finance and lifestyle, among many other topics. For more finance-related news and articles, follow Moneymax on Linkedin.