How to Continue Your Pag-IBIG, PhilHealth, and SSS Contribution Payments as a Voluntary Member

by Venus Zoleta, on category "In-Depth Guides"

July 13, 2018


Pag-IBIG, PhilHealth, and SSS Contributions for OFWs and Freelancers | MoneyMax.ph

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.

Read More: How to Check if Your Employer is Paying Your Government 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.

How to Update Your Pag-IBIG, PhilHealth, and SSS Membership Records

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.

Steps to Changing Your Pag-IBIG Membership Information

  1. Download and fill out the Pag-IBIG Member’s Data Form (MDF). Under “Membership Category,” mark the appropriate status (Overseas Filipino Worker [OFW] or Self-Employed).
  2. Submit the accomplished MDF together with your supporting documents to the Marketing Division of a Pag-IBIG branch.
  3. Get a Payment Order Form and proceed to the Cash Division to pay your Pag-IBIG contribution.

Pag-IBIG Requirements for Changing Membership to Self-Employed:

  • Two 1×1 ID photos
  • Latest income tax return (ITR) with last year’s CPA-certified financial statement
  • Employee Statement of Accumulated Value (ESAV)*
  • Business Permit or Mayor’s Permit
  • DTI or SEC registration under your name

Pag-IBIG Requirements for Changing Membership to OFW:

  • Two 1×1 ID photos
  • Any valid ID such as passport
  • Latest valid Contract of Employment with POEA stamp
  • Employee Statement of Accumulated Value (ESAV)*
  • Special Power of Attorney (if someone else will submit your documents on your behalf)

*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.

Steps to Updating Your PhilHealth Member Data Record

Pag-IBIG, PhilHealth, and SSS Contributions for OFWs and Freelancers | MoneyMax.ph

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  1. Download the PhilHealth Member Registration Form (PMRF).
  2. On the upper right corner of the PMRF, put a check mark next to “For Updating.”
  3. Fill out the form. Under “Membership Category” and “Informal Economy,” choose the appropriate response.
    – For OFWs, tick “Migrant Worker” and “Land Based” or “Sea Based.”
    – For freelancers, tick “Self-Earning Individual” and indicate your estimated monthly income.
  4. Submit the accomplished PMRF to the nearest PhilHealth branch. OFWs may email their form to ofp@philhealth.gov.ph.
  5. Wait for the printed copy or email of your updated PhilHealth Member Data Record (MDR).

PhilHealth Requirements for Changing Membership to OFW:

OFWs may present any of these documents when updating their membership status with PhilHealth:

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Steps to Changing Your SSS Membership Type

For Self-Employed SSS Members:

  1. Download and fill out two copies of the Member’s Data Change Request form (SSS Form E-4).
  2. Choose “Change of Membership Type” and “To Self-Employed.” Under that field, indicate the nature of your profession, the year it started, and your monthly income.
  3. Submit the filled-out forms along with a photocopy of your Unified Multi-Purpose ID (UMID) card. Present your original UMID card as well.

For OFWs:

  1. Download and fill out three copies of the Contributions Payment Return (SSS Form RS-5).
  2. Under “Type of Payor,” put a check mark next to “Overseas Filipino Worker.”
  3. Submit the accomplished forms to an SSS branch together with your SSS contribution payment for the applicable month or quarter. Your SSS membership status will be changed to OFW upon posting of your payment.

How Much Should Voluntary Members Contribute?

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.

Pag-IBIG Contribution Rates

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 Contribution Rates

Pag-IBIG, PhilHealth, and SSS Contributions for OFWs and Freelancers | MoneyMax.ph

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  • Freelancers earning PHP 25,000 or less monthly: PHP 200 per month or PHP 2,400 per year
  • Freelancers earning more than PHP 25,000 monthly: PHP 300 per month or PHP 3,600 per year
  • Land-based OFWs: Minimum of PHP 2,400 per year (can be paid in advance for two to five years)
  • Seafarers: Same salary-based premium contribution rate as employed PhilHealth members (Those earning PHP 40,000 and above monthly pay a PHP 1,100 monthly contribution.)

SSS Contribution Rates

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.

SSS Contributions Table

Refer to the SSS contributions table for the full list of contribution rates for voluntary members.
SSS Contributions Table | MoneyMax.ph

Where to Pay Your Pag-IBIG, PhilHealth, and SSS Contributions

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.

Pag-IBIG Contribution Payment Facilities

Pag-IBIG, PhilHealth, and SSS Contributions for OFWs and Freelancers | MoneyMax.ph

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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.

PhilHealth Contribution Payment Facilities

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.

SSS Contribution Payment Facilities

To ensure timely payments of your SSS contributions, you may enroll in the auto-debit arrangement system of any SSS partner bank:

  • BDO
  • BPI
  • DBP
  • First Consolidated Bank
  • Metrobank
  • PNB
  • PSBank
  • UCPB

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.

When are the Contribution Payments Due?

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.

Pag-IBIG Contribution Payment Deadlines

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.

PhilHealth Contribution Payment Deadlines

Freelancers may remit their PhilHealth contributions monthly, quarterly, semi-annually, or annually. Here are the due dates for each payment schedule:

  • Monthly: Last working day of the applicable month (If you’re paying for July, your deadline is January 31.)
  • Quarterly: Last working day of the applicable quarter (If you’re paying for July to September, your deadline is September 30.)
  • Semi-annually: Last working day of the first quarter of the applicable semester (If you’re paying for July to December, your deadline is September 30.)
  • Annually: Last working day of the first quarter of the year (If you’re paying for January to December 2019, your deadline is March 31, 2019.)

Land-based OFWs must pay their yearly PhilHealth contributions as soon as their coverage or validity period expires.

SSS Contribution Payment Deadlines

Pag-IBIG, PhilHealth, and SSS Contributions for OFWs and Freelancers | MoneyMax.ph

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For OFW Members:

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.

For Self-Employed Members:

Voluntary members of SSS may remit contributions every month or quarter. The due dates are based on the last digit of their SSS number.

  • 1 or 2: 10th day of the month following the applicable month or quarter
  • 3 or 4: 15th day of the month following the applicable month or quarter
  • 5 or 6: 20th day of the month following the applicable month or quarter
  • 7 or 8: 25th day of the month following the applicable month or quarter
  • 9 or 0: Last day of the month following the applicable month or quarter

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.

Final Thoughts

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).
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