How an OFW can avail their SSS benefits?

“Our modern-day heroes are not only hardworking breadwinners for their family but are also huge contributors to the Philippine economy, thanks to their remittances. OFWs should receive sufficient safety nets, especially in times of contingencies in the form of social security benefits, loan privileges, and other savings schemes to ensure that their hard-earned income can turn into gainful investment in the long run,” SSS President and Chief Executive Officer Aurora C. Ignacio said economic concerns worsened by the COVID-19 pandemic pushed more Filipinos to seek overseas employment to support their family.

Who are covered under this Program?

All Overseas Filipino Workers (OFW) who are not over 60 years of age, whether previously a member or not including the following:

  • Those recruited in the Philippines by foreign based employers for employment abroad
  • With a source of incoming in a foreign country
  • Residing permanently in a foreign county

How does one register as a new OFW member?

Over-the-counter (SSS branches/Offices)
  1. Fill out a personal Record Form (E-1)at any nearest SSS branch/foreign office or download it from the SSS website
  2. Submit duly accomplished form to the SSS together with a Birth certificate. In its absence submit a photocopy of any of the following documents:
    • Baptismal Certificate
    • Driver’s License
    • Passport
    • Professional Regulation Commission (PRC) card
    • Seaman’s Identification and Record Book

Note: Original documents must be presented together with a photocopy

Online (SSS Website)
  1. Access the SS Number Online Issuance facility at sss.gov.ph.
  2. Accomplish the two-phase registration by providing the required information.

See Also. Tips to Qualify and How to Apply Online on SSS Maternity Benefits?

Does a former employee/self-employed worker with an existing SS number still need to register as an OFW member prior to going abroad?

If the member already has an SS Number from previous employment or self-employment, or due to prior registration, he/she shall use the same SS Number in continuing/reactivating his/her membership. When paying contributions, he/ she should check “OFW” as Payer type. Once payment is posted, this will automatically change his/her coverage status to “OFW.”

When does the coverage of an OFW member take effect?

Coverage of an OFW takes effect on the applicable month and year of the first contribution payment.

What is the basis of an OFW’s monthly contribution?

The monthly SSS contribution is based on the member’s monthly salary credit (MSC), initially determined by the monthly earnings declared at the time of registration. (Please refer to the Schedule of Contributions.) The minimum MSC for OFW members is ₱5,000 while the maximum is ₱16,000, which is equivalent to a monthly contribution of ₱550 and ₱1,760, respectively.

How often can OFW members change their MSC?

If below 55 years old No limit in frequency in a given calendar year, but it should not be lower than the prevailing minimum MSC for OFW-members (₱5,000). If 55 years old and above May be allowed to increase MSC only once in a given calendar year and by one (1) salary bracket only from the last posted MSC, except for the following cases:

  1. Change of membership from Employed/ Self-Employed/ Voluntary member to OFW-member for the first time
  2. Higher MSC from the maximum MSC per Schedule of Contributions – Allowed to increase MSC without limit – Allowed to increase to the new maximum MSC, provided last posted MSC corresponds to the maximum MSC of the previous Schedule of Contributions
What are the benefits and loan privileges of an OFW member?

OFW members are entitled to various benefits and loan privileges, provided qualifying conditions for entitlement are met. To ensure higher benefits and privileges, they can continue to pay their monthly contributions until they reach the age of 60 or 65 years old.

A. LONG-TERM BENEFITS

  • Retirement – A cash benefit – granted either as a monthly pension or a lump sum amount – to a member who can no longer work due to old age.
  • Disability – A cash benefit – granted either as a monthly pension or a lump sum amount – to a member who becomes permanently disabled, either partially or totally.
  • Death – A cash benefit – granted either as a monthly pension or a lump sum amount – to the beneficiaries of a deceased member.

B. SHORT-TERM BENEFITS

  • Sickness – A daily cash allowance paid for the number of days a member is unable to work due to illness or injury.
  • Maternity – A daily cash allowance granted to a female member who is unable to work due to child birth or miscarriage.
  • Funeral – A variable cash amount given to whoever pays for the deceased member’s burial expenses

C. LOAN PRIVILEGES

  • Salary Loan 1-month loan – The average of the member-borrower’s latest posted 12 Monthly Salary Credits (MSCs) or amount applied for, whichever is lower. Must be actively paying with 36 posted monthly contributions, with at least 6 posted monthly contributions for the last 12 months prior to the month of filing of application.
  • 2-Month Loan – Twice the average of the member-borrower’s latest posted 12 Monthly Salary Credits (MSCs) rounded to the next higher monthly salary credit or amount applied for, whichever is lower. Must be actively paying with 72 posted monthly contributions, with at least 6 posted monthly contributions for the last 12 months prior to the month of filing of application.
How and where can members remit their Flexi-fund contributions?
  • Remittance and payment channels of Flexi-fund contribution payments are the same with that of SSS regular contribution payments.
  • May be paid at the same time and same manner as contributions for the regular SSS program.

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