by Venus Zoleta, on category "In-Depth Guides"
July 13, 2018
Did you resign from your job to become a full-time freelancer or OFW? Paying your Pag-IBIG, PhilHealth, and SSS contributions is no longer your former employer’s responsibility—you have to do it on your own now.
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, as well as 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 already a member of Pag-IBIG, PhilHealth, and SSS, and want to keep on paying your contributions.
Before you can start remitting your contributions as an individual paying member, you need to update your membership status first 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 status with PhilHealth:
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 contribution rates for freelancers 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.
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.
The minimum SSS monthly contribution for freelancers with a monthly income of PHP 1,000 to PHP 1,249.99 is PHP 110. Those earning PHP 15,750 and above monthly pay the maximum contribution of PHP 1,760.
For OFWs, the minimum monthly salary credit is at PHP 5,000, so the minimum SSS contribution is PHP 550. OFWs earning PHP 15,750 or higher per month pay the maximum contribution of PHP 1,760.
Refer to the SSS contributions table for the full list of contribution rates for voluntary members.
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.
To ensure timely payments of your SSS contributions, you may enroll in the auto-debit arrangement system of any SSS partner bank:
OFWs may assign a family member or any representative to pay their SSS contribution on their behalf at any accredited payment centers in the Philippines.
Pay your contributions 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 contributions 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.
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.
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.
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 payments are posted. Check this guide to checking your Pag-IBIG, PhilHealth, and SSS contributions (The procedures on verifying contributions are the same for employed and voluntary members).