TABLE OF CONTENTS
What is the Social Security System (SSS)?
The Social Security System (SSS) is a government-mandated social insurance program in the Philippines designed to provide financial protection to private sector workers and their beneficiaries. It covers various benefits including:
Retirement (optional at age 60, mandatory at 65)
Maternity and Paternity Leave
Sickness and Disability
Death and Funeral Benefits
To qualify for retirement benefits, members must have paid at least 120 monthly contributions before the semester of retirement. Benefits may be received as a monthly pension or a lump sum, depending on the member's total contributions and years of membership.
SSS Loans and How to Apply
SSS offers several loan programs to eligible members, including:
Salary Loan
A short-term loan for qualified members to meet immediate financial needs. More information in Salary loan | Republic of the Philippines Social Security System
Application Steps:
1. Eligibility Criteria
Before applying, make sure you meet the following criteria:
Active SSS Membership: You must be a currently registered and active member.
Contribution History: You should have at least 36 total monthly contributions, with 6 posted within the last 12 months prior to your application.
Employment Status:
Employed: Your employer must be up-to-date with SSS contributions and loan remittances.
Self-Employed / Voluntary / OFW: You must be current with your contributions.
Loan Status: You must not have any existing loan defaults. Previous loans must be fully paid or in good standing.
2. Prepare the Requirements
To apply, you'll need:
My.SSS Online Account: Register at https://www.sss.gov.ph if you haven't already.
Disbursement Account: You must have an active UMID card or a bank/e-wallet account enrolled in the Disbursement Account Enrollment Module (DAEM).
Accepted disbursement channels include:
Peso savings/current account in an SSS-accredited bank
PESONet-participating bank account
UnionBank Quick Card
PayMaya or GCash (if enrolled as a disbursement channel)
3. Apply Online via My.SSS
Once you're ready:
Log in to your My.SSS account.
Navigate to E-Services > Apply for Salary Loan.
Review the loan details including:
Loan amount
Loan term
Disbursement channel
Tick the certification box to confirm your understanding and agreement.
Click Proceed to submit your application.
You'll receive a confirmation email and SMS once your application is successfully submitted.
4. Employer Certification (For Employed Members)
After submission:
Your employer will receive an email notification from SSS to certify your loan application online.
Once your employer certifies the application, SSS will begin processing your loan.
Note: If you're employed through Remote People, please contact support@remotepeople.com to request employer certification.
5. Loan Disbursement
If your loan is approved:
The amount will be credited to your enrolled bank account or e-wallet within 3–5 working days (sometimes sooner).
You can monitor the status of your loan by logging into My.SSS > Inquiry > Loans Info.
Calamity Loan
Available to members residing in areas officially declared under a state of calamity. More information in Calamity Loan Assistance Program | Republic of the Philippines Social Security System
Eligibility Requirements:
Registered in My.SSS
At least 36 monthly contributions, with 6 posted in the last 12 months
Must reside in a calamity-declared area and have suffered property damage
No past due loans or existing loan restructuring programs
Repaying SSS or Pag-IBIG Loans While Employed Through Remote People
Employees based in the Philippines can continue repaying their SSS or Pag-IBIG Fund loans while employed through Remote People.
How It Works:
Send a copy of your loan voucher to our support team at support@remotepeople.com.
Our team will coordinate your monthly amortization and ensure timely and accurate submission of your loan repayments.