How To Pay SSS Contributions As A Voluntary Member (A Guide For Filipino Freelancers)

SSS logo

If you are freelancer and would like to pay Social Security System (SSS) contributions but do not know how, look no further, the answer is here!  In this post, I will guide you on how to pay for your SSS contributions. The process is extremely simple.


Very briefly, you can enjoy social security benefits if you are a member of SSS. Benefits include financial support on sickness, maternity, retirement, disability, death, and funeral. If you would like more details on this, you can check out the official website of SSS . In my case, I chose to continue paying my contributions so I can receive pension when I retire. However, I don’t really intend for it to be my primary source of income when I retire as I also invest in other financial instruments such as the stock market, mutual funds, VULs, etc.


I first went to the SSS Kiosk in Robinsons Place Manila (Lingkod Pinoy Center). My plan was, if I finish early, I could also process updating my Philhealth and PAG-IBIG memberships. Unfortunately, the services offered by the government agencies in Lingkod Pinoy Center are limited. I asked the staff in SSS if I could update my membership and pay my contribution. I was told that payments are only accepted in SSS branches or Bayad Centers. I just decided to just go to an SSS branch.

I then went to SSS España branch which is the most convenient branch to go to from home. There are actually a couple of branches in my vicinity but I chose SSS España as it was only a jeepney ride away. It’s also where I got my SSS number (E1 Form) six years ago.

I went on July 13, 2015 Monday at around 3 PM.


My last employment was in a BPO company. I already had an SSS number and my company was the one handling my SSS contributions.


Both voluntary members (VM) and self-employed (SE) individuals use exactly the same form  which is the CON-01181 (05-2014) when paying their contribution (form pictured below). I guess SSS does not really make that much of a distinction between the two. The important thing is you pay the contributions using your unique SSS number. Your payments get credited to your own SSS account anyway so it does not really matter. There is no need to be afraid that you might fill out an incorrect form and that your contributions will be “wasted”. That was my initial fear but it went away once I learned the above.



Paying your SSS contributions as a voluntary/self-employed member is easy-peasy. You can do it in 4 simple steps:

  1. Get the CON-01181 (05-2014)
  2. Fill it out.
  3. Pay the contribution.
  4. Keep the form.

For step one, you may get the form from the friendly security guard who usually has a form handy or the SSS staff responsible for manning the forms table. This is the set up in SSS España. It may vary in other branches.

Step two is where you need to pay attention. Filling the form is quite straightforward. You are required to put your SSS number, name, TIN, address, contact numbers, email, and the amount of the contribution that you will pay. It will be up to you how much you want to pay depending on your current earnings. There is an official SSS schedule of contribution you can refer to which is found in the SSS website. There is no penalty if you miss paying for some months especially if you did not earn anything on those months. It’s just that you can no longer retroactively pay for the missed months.

The schedule of contribution may change from year to year so be sure to check the website before actually going to the SSS branch. You can also ask to see the table from the SSS staff. For the year 2015, the below schedule of contribution is followed.

(image taken from the official SSS website)

Let’s say that you are earning 20,000 per month as a freelancer. If you look at the table above, those earning Php 15750 or over have a monthly salary credit of Php 16000. The SE/VM contribution is Php 1760 per month. You can choose to pay lower than your monthly salary credit.

Let’s say you are earning Php 10,00 per month. Your total contribution should be Php 1100 or lower. If you want to pay more, you can only go up two steps (salary brackets) from your monthly salary credit and not more than that.

At the bottom of the form, you have to declare your earnings as an individual payor and sign it.

Please take note of the deadline of paying your premiums which will depend on the 10th digit of your SSS number. In my case, the last digit of my SSS number is 2. THe deadline for paying the contributions is supposed to be every 10th of the month. I came in on July 13. Unfortunately, I can no longer pay for the previous months including July. I asked the staff if I could still pay for July and she said that it was fine. I chose to pay until the month of December 2015.

SSS Deadline of Payment

For step three, after filling the form and verifying that all the details are correct, you can now proceed to the cashier. The form will be machine validated and it now serves as your official receipt / proof of payment that you indeed paid your SSS contributions. While I was lining up, I had a little chitchat with the other payees. Apparently, if you miss paying your contributions three months in a year, that year will no longer be counted during the calculation of your SSS pension. I am not sure how true this is as I did not have the chance to verify with the SSS staff. Maybe I would when I get back to pay my contributions for 2016.

Here is how my validated SSS Contributions Payment Form looks like.


Step four is keep the form. Well, this should be a no-brainer. It’s proof of payment and it is but wise to keep it for your personal records in case the SSS database gets wiped out due to an alien invasion or something.


  • If you want your payments to be posted to your account real-time, transact your payments in SSS branches. I am not quite sure how soon Bayad Centers post it to your account. It could be the same or the next business days.
  • Go to the SSS branch as early as possible.
  • Check the SSS schedule of contribution prior to going to SSS so you will know how much to pay and you can bring the exact amount to SSS.

And voila! You’re done! Wasn’t that super easy? I hope that the above can guide you when you do decide to pay your SSS contributions on your own. Please note that these are all from my personal experience in paying my SSS contributions. I strongly encourage you to visit the SSS website or go to your nearest SSS branch to get the most up-to-information on the correct process. 🙂


28 thoughts on “How To Pay SSS Contributions As A Voluntary Member (A Guide For Filipino Freelancers)

  1. Bakit po ganon, because ako po, I missed the payments for from September 2015 to December 2015 and nung bayaran ko hindi naraw puwede. Hindi puba puweding I back date considering na paper copy lang naman at paying in cash?

    1. Hey Jasmine, thank you for your question. When did you try to pay the last 4 months of 2015? If a long time has elapsed, I doubt that you could still pay it. Better reach out to the official SSS personnel in your branch for assistance. 🙂

  2. Very helpful information!

    its been 4 years na nung nag stop ako magwork sa bpo din and siempre its stop naren mag contribute. Question please, ganto din ba step ko? kahit matagal na ung last na contribution ko?

    1. Hi Fancy, thank you for your message. I believe that the process should be the same. I suggest that you consult with the officer of the day in an SSS office near you. 🙂

  3. Hi, Tanong ko lang po medyo newbie lang, if I choose to pay lower than monthly salary credit, let’s just say I’m earning 10,000 more or less as a freelancer and I choose to pay 495 as my monthly contributions, does that mean if mababa yung contributions mo, mababa din yung makukuha mong benefits? Is that correct?

    1. Hi Elizabeth,

      Thank you for your message. Yes, I believe you still can. I suggest that you visit an SSS office near you and speak to the officer of the day.

      Thanks and God bless! 🙂

  4. hi hello,,never pa ako nkapaghulog sa sss,,i just need to get UMID ID,SSS said at least 1 mos. dapat my hulog ako.ngtry aq mgself deployed ang dami question,,pag voluntary kba wala ng ibang tanong,,just pay the amount of monthly ok nah un??
    ,,waiting for your reply,,thank you

      1. Heya~ Thanks for correcting me and your blog is very helpful for too 🙂 Do you by any chance have any experience filing your own taxes as a freelancer? TIA

  5. hi po, ask ko lang po sana, kakaresign ko lang po sa work ko in bpo. balak ko po sana magenroll sa school this coming semester. ano po ba maganda or mas mabuting gawin or pano po ko makakapagpatuloy makapagcontribute sa sss if wala po ako pinagkukunan ng income kapag nagaaral na po ako? bago lang po ako, di masyado marunong sa mga ganitong bagay. thanks po, kindly waiting for your reply.

    1. Hi Ruixi! Thanks for dropping by. You can still continue paying your SSS contribution even if you’re a student. You really need to raise the funds somehow. Perhaps you can do part-time jobs or engage in business while studying. 🙂

      1. Thanks po sa reply, pwede ko po ba malaman yung steps kung pano po ako makakapagbayad ng sss contribution? pwede po ba sa western union magbayad?

  6. Hi po, nakapagtrabaho po ako as CSR from November 2016 to Febuary 2017 at nahinto po ang contribution ko from March to August(this month) this year. Tanong ko lang po if hindi na po ba counted yung first two months contribution ko this year? since hindi po ako nkabayad for more than 3 months? Salamat po.

  7. Miss, do I need to update my employment status bago mag pay ng contributions as voluntary? Or, just like how you did it in your post, magbayad lang ako using the form and automatic machange ako to voluntary?

  8. Hi,

    I am self-employed po pero yung nabayaran kong contribution ay ‘voluntary member’ ang nacheck ko sa form.. okay lang po ba yun kahit hindi ko na po papalitan ng self-employed?

  9. hi ask ko lng po.wala pa po kasi ako hulog mula nung pag kuha ko ng sss number. gusto ko po sana hulogan. kaso sa ngaun po wala po ako work. papayagan po ba ako ng sss na mag voluntary contribution???

  10. hello po ask ko lang. i get my sss number or nagpamember ako noong 2015. then nag work ako abroad so i come back 2017. pero never pa siya nahulugan or nabayaran. bali gusto ko sana hulugan kasi never pa talaga siya nahulugan bali two yrs na yung nakalipas can still pay my account ? thank you po=)

  11. yes pwde naman po sa western union.Hingi ka lang ng voluntary payment form sa sss then fill up.And go to the nearest accredited bank or payment center

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