Published: May 8, 2021 | Updated: July 23, 2021 | Posted by: Joshua Rajandiran | 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.
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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:
Related article: PhilHealth Benefits Guide for Regular and Voluntary Members
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 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.
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:
To avoid the long queues and hours of wait time at PhilHealth, Pag-IBIG, and SSS offices, you can register for an account online so you can start paying your contributions with just a few clicks.
Good news! PhilHealth voluntary members can now pay their contributions on the PhilHealth website. Follow these steps to do a PhilHealth payment online:
There is a 2.5% service charge for GCash and 3% service charge for debit/credit card. This is on top of the PHP 25 convenience fee.
You may coordinate with the respective payment platform’s customer service representative to check the status of your transaction.
As of writing, you cannot pay for your PhilHealth contributions via 7/11.
To make online payments for Pag-IBIG, you need to create and log in to your Virtual Pag-IBIG account.
Click the Pay Online button and select from the available options that you can pay:
Under Membership Category, choose Local or Overseas from the drop down menu. Key in your Pag-IBIG MID number and your name.
Input the membership savings amount and the period covered duration. You will also be asked to key in your MP2 Savings Account number if you’re going to pay for MP2 contributions.
For payment options, you can pay with your PayMaya e-wallet or your Visa, Mastercard, or JCB credit card.
Tick the box if you want to receive your payment confirmation via SMS or email, enter the verification code, and tick the terms and conditions box to proceed.
Whether paying online or over the counter, you will need the PRN (Payment Reference Number) generated on My.SSS. It’s a unique number to ensure that your payment will be posted real time.
Log in to the SSS portal and click Payment Reference Number. Select ‘Generate PRN’ and then choose Voluntary under Membership Type.
Set the applicable period and contribution amount. You can refer to this video guide on how to generate your SSS PRN.
Once you have your PRN, you can now log in to your preferred online channel to make your SSS payment.
If you have an ATM card issued by these accredited BancNet banks, you can register and log in to your BancNet Online account and pay for your voluntary SSS contributions:
Click on Payments. Choose SSS under Biller/Institution. Under Account/Subscriber Number, key in your SSS number and the month and year you’re paying for (for example, December 2020, so it will be keyed in xxxxxxxxxx122020).
Next, input your ATM card number, member number, account type, and the amount to be paid. After which, you will type in your PIN on the onscreen keypad.
Click Submit and then review that all details are correct. To complete the transaction, click OK.
Log in to UnionBank online on your computer or on the mobile app. Click on Pay Bills, Select Biller, and look for SSS under the list of billers.
Enter the PRN and the amount due. Review the payment details before clicking Pay.
Log in to the mobile app or online website and select Bills. Look for SSS Contributions under Billers. Under Account, type in the PRN, and then type in the amount. Click on Confirm Payment.
Open your Coins.ph app and tap Pay Bills. Scroll down and look for SSS under the list of billers.
Type the amount and fill in the details required. Choose whether to use your PHP or BTC Wallet, and then slide to pay.
Log in to your GCash app and tap Pay Bills > Government > SSS PRN.
Select PRN as Account Type, and then key in the PRN and amount. You can also type in your email address to receive the payment confirmation.
Click Next and review the details. Tap the Confirm button to proceed.
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.