What If My Employer Refuses to Certify My SSS Salary Loan?

Applying for an SSS Salary Loan as an employed member requires your employer’s online certification—but what happens if your employer refuses, delays, or ignores this step?

You’re not alone. Many employees face this frustrating roadblock. In this post, we’ll explain your rights, your employer’s responsibilities, and what you can do next.

🤔 Why Employer Certification Matters

When you apply for an SSS Salary Loan through the My.SSS Portal, the system sends a notification to your employer. They must then log in to their My.SSS Employer account and certify your application within 5 working days.

If they don’t certify it, SSS will automatically cancel the application.

🚩 What If They Refuse to Certify?

Some employers:

Delay certification because of internal processes
Forget or neglect the request
Are not registered on the SSS online portal
Intentionally withhold certification (especially if you’re resigning or have issues with the company)

This is not allowed under SSS rules.

📜 What Are Your Rights?

Your employer is obligated by law to:

Register with the SSS My.SSS portal
Process certifications within the deadline
Not prevent or withhold your loan application unless there’s a valid legal reason

Under the SSS Law (RA 11199), employers must not hinder your SSS benefits, including loans.

✅ What You Can Do About It

Here are steps you can take:

1. Follow Up Internally

Email or speak directly with your HR or payroll officer
Clarify the deadline: 5 working days only
Remind them it’s an online process that only takes a few clicks

2. File a Complaint with SSS

If your employer refuses or ignores the request:

Call the SSS Hotline: 1455 (toll-free)
Use the SSS Online Help Center: https://crms.sss.gov.ph
Email: member_relations@sss.gov.ph or report via your My.SSS portal
Include the employer’s name, your SS number, and the details of your loan application

3. Report to DOLE (Department of Labor and Employment)

If it becomes a labor issue (e.g. company is denying benefits), file a complaint at your nearest DOLE Regional Office or online via https://www.dole.gov.ph

4. Talk to Your Union or Labor Representative

If your workplace has a union or employee committee, you may escalate the issue for mediation.

🧠 Reminder: Employers Cannot Punish You for Applying

Applying for an SSS loan is your right as a contributing member. Your employer cannot penalize or threaten you for requesting certification.

🙋 FAQs

Q: Can I apply again if my employer didn’t certify in time?
A: Yes. If your loan was canceled due to no certification, you can reapply and try again—ideally after resolving the issue with HR.

Q: What if my employer is not registered on My.SSS?
A: They are required to register. You can report this to SSS. It’s a compliance issue.

📝 Final Thoughts

If your SSS Salary Loan is being blocked by your employer’s inaction or refusal, you have options. Follow up respectfully, document your efforts, and don’t hesitate to file a complaint with SSS or DOLE.

📌 Need to calculate your loan amount?
Use our free tool here:
🔗 SSS Salary Loan Calculator