How Do I Check If My Employer Remits My SSS Contributions for Salary Loan Eligibility?
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How Do I Check If My Employer Remits My SSS Contributions for Salary Loan Eligibility?
Introduction
Ever wondered if your employer is actually paying your SSS contributions?
You’re not alone. Thousands of Filipino workers rely on their SSS contributions for future benefits—especially for accessing an SSS Salary Loan when times get tough.
But here’s the catch: You can’t avail of an SSS Salary Loan if your employer is not remitting your contributions on time. This makes it crucial for every employee to regularly monitor their SSS records.
In this blog, we’ll guide you step-by-step on how to check if your employer is remitting your contributions, why it matters, and how it affects your loan eligibility. We’ll even show you how to calculate your possible loan amount using a trusted SSS Salary Loan Calculator.
Why It’s Important to Monitor Your SSS Contributions
If you’re employed and planning to apply for an SSS Salary Loan, you must meet a key eligibility requirement:
✔️ You must have at least 36 posted monthly contributions, with 6 posted within the last 12 months prior to application.
If your employer is not remitting, those months won’t be counted—even if they are deducting from your salary!
This means:
You may not qualify for a salary loan.
You may lose out on other benefits like sickness, maternity, and retirement.
How to Check If Your Employer Is Remitting to SSS
🧾 Step-by-Step Guide to Checking Your Contributions
Click “Member Login” and enter your credentials.
Under E-Services, choose “Inquiry.”
Click on “Contributions.”
You’ll see a table showing all posted contributions by month and year.
🔍 Check for missing months or long gaps. These could mean your employer is not paying on time (or at all).
Option 2: Use the SSS Mobile App
Download the SSS Mobile App from Google Play or the App Store.
Log in using your My.SSS credentials.
Tap on “Contributions” to view your updated records.
Option 3: Call or Visit SSS Branch
Dial 1455 (SSS Hotline) or visit your nearest branch for assistance.
Bring a valid ID and your SSS number.
Example Scenario: Missing Contributions
Maria, an office worker, checked her SSS records and saw missing contributions from January to June 2024. Her employer had been deducting from her salary, but never remitted them.
As a result:
She could not apply for an SSS Salary Loan.
She filed a complaint, and SSS investigated her employer.
👉 Moral of the story? Check regularly and act early.
How It Affects Your SSS Salary Loan Eligibility
Requirement
Description
Total Contributions Needed
At least 36 posted monthly contributions
Recent Contributions
At least 6 contributions in the last 12 months
Employment Status
Must be currently employed with active remittances
If these are not met due to employer negligence, your loan will be denied—even if you’ve worked hard for years.
đź“Š Use the SSS Salary Loan Calculator
Not sure how much you can borrow?
Try the SSS Salary Loan Calculator to get an estimate of your potential loan amount based on your contributions.
It’s simple, fast, and FREE.
What To Do If Your Employer Is Not Remitting
Talk to your HR or payroll department.
Document everything. Save payslips showing deductions.
