Can Kasambahay (Household Helpers) Apply for the SSS Salary Loan?

Yes — kasambahay (household helpers) can apply for the SSS Salary Loanⓘ, as long as they meet the required qualifications.

Many household workers in the Philippines are now protected under the Kasambahay Law (RA 10361), which ensures they receive mandatory benefits, including SSS coverage. That means your SSS membership isn’t just a formality—it opens the door to important financial support, including salary loans.

✅ Who Is Considered a “Kasambahay”?

According to the SSS and the Kasambahay Law, this includes:

Housemaids or yayas
Cooks
Gardeners
Laundry workers
Any person who regularly performs domestic work at home

📝 SSS Salary Loan Qualifications for Kasambahay

To apply for an SSS Salary Loan, a kasambahay must:

✅ Be an active SSS member
✅ Have at least 36 total posted monthly contributions
✅ Have paid at least 6 contributions within the last 12 months before the loan applicationⓘ
✅ Have no final benefit claims (like retirement or total disability)
✅ Have no disqualifying penaltiesⓘ, and principal. Members can view their outstanding loan balance through M?" title="A member loan balance refers to the remaining unpaid amount of an SSS loan, including interest, penalties, and principal. Members can view their outstanding loan balance through M?">loan balanceⓘ or unpaid SSS loans
✅ Have a registered My.SSS account

💡 Note: It is the employer’s legal responsibility to register the kasambahay for SSS and to remit contributions.

🧾 How Can a Kasambahay Apply?

Option 1: Online via My.SSS

Log in to My.SSS
Go to E-Services > Apply for Salary Loan
Follow the instructions and submit your application

Option 2: Through the SSS Mobile App

Download the SSS Mobile App
Log in and select Loans > Apply for Salary Loan
Review your loanable amountⓘ and submit

Option 3: Walk-in Application (if preferred or no internet access)

Bring:

SSS ID or any valid government-issued ID
Printed loan application form
Your SSS numberⓘ and loan details

🛡️ What If the Employer Isn’t Paying Contributions?

If your employer is not paying your SSS contributions, you may:

Report to SSS via their hotline, email, or any branch
Voluntarily continue contributions if you change jobs or become self-employed

Remember: You need 6 recent contributions within the last 12 months to qualify for the loan.

📌 Summary

Requirement	Needed to Apply?
Active SSS membership	✅ Yes
36+ total contributions	✅ Yes
6 contributions in past 12 months	✅ Yes
Outstanding loan balance	❌ None allowed
My.SSS or mobile app access	✅ Yes