SSS Disbursement Account Enrollment Module (DAEM)

The Social Security System‘s Disbursement Account Enrollment Module (DAEM) is an innovative facility designed to enhance the delivery of services to Filipino workers. This online system simplifies the process for SS members to receive their benefits and loan proceeds directly into their bank accounts, e-wallets like PayMaya, or through Remittance Transfer Companies/Cash Payout Outlets such as M Lhuillier.

Aimed at employers, employed, self-employed individuals, OFWs, and voluntary members, DAEM promises a hassle-free, swift, and secure transfer of funds. Expect a streamlined process that requires an active My.SSS account and the nomination of up to three disbursement accounts, though only one can be used for the actual disbursement. With DAEM, members are poised to experience a significant improvement in how they access and benefit from the agency’s wide range of financial assistance programs.

daem mobile app
Credits: SSS / Facebook

What is the SSS Disbursement Account Enrollment Module (DAEM)?

In the Philippines, the Social Security System has streamlined its process of distributing benefits and loans through what is called the Disbursement Account Enrollment Module (DAEM). This online system allows for efficient and secure transfer of funds to the beneficiaries.

Significance of this Facility

The Social Security System’s Disbursement Account Enrollment Module (DAEM) in the Philippines is a significant innovation, streamlining the process of crediting benefits and loan proceeds directly to members’ bank statements. This module, introduced under the Social Security Act of 20181, represents a significant leap in administrative efficiency and member convenience. By enabling direct bank transfers, DAEM mitigates delays and reduces the potential for errors associated with manual disbursement methods. The system has been widely adopted, with the SSS reporting substantial disbursements, such as the P10.49 billion released under its maternity benefit program in 20202. DAEM’s significance is further underscored by its alignment with the Philippine government’s broader digitalization efforts, aiming to enhance transparency and accessibility in public services. This module not only facilitates immediate financial transactions but also reflects the country’s commitment to leveraging technology for the welfare of its citizens.

Legal Basis

Under the Republic Act No. 11199, also known as the Social Security Act of 2018, the agency is mandated to provide social insurance to Filipino workers. This act supports the development of digital methods like the DAEM for easier access to services.


  • Hassle-free receipt of SS benefits and loans.
  • Faster transaction times and reduced waiting periods.
  • Secure and direct crediting to your chosen disbursement channel.

Eligibility / Qualifications

  • Employers, employed, self-employed, Overseas Filipino Workers (OFWs), and voluntary members.
  • Must have an active My.SSS online account.


  • Personal bank account or mobile number.
  • Membership in My.SSS online portal.
  • Bank account with a PESONet participating bank, e-Wallet like PayMaya, or Remittance Transfer Companies/Cash Payout Outlets (RTCs/CPOs) such as M Lhuillier.

Step-by-Step Guide on How to Benefit from DAEM

  1. Log in to your My.SSS account at the official website.
  2. Navigate to the ‘E-Services’ section and select ‘Disbursement Account Enrollment Module (DAEM)’.
  3. Read the instructions carefully, then click ‘Proceed’.
  4. Choose your disbursement channel type and enter the required information. You may enroll up to three accounts but designate only one for disbursement.
  5. Upload a copy of your ATM card, passbook, deposit slip, bank statement, or e-Wallet details for account verification.
  6. Confirm the details and submit your application.
  7. Await an email confirmation for successful enrollment.

Note: For employers, the process is similar but they should enroll only one account per PESONet-participating bank.

Important Reminders

  • Double-check all account details to avoid errors that can lead to non-crediting of funds.
  • Keep your proof of account updated and ensure it shows your full name and account number.
  • If there’s an error in your enrolled disbursement account, it may take up to 30 days for the correction and re-crediting process.

Recent Updates

Introducing the Disbursement Account Enrollment Module on the SSS Mobile App!

SS members have a reason to celebrate as the Disbursement Account Enrollment Module (DAEM) has been launched on the SSS Mobile App. Now, members can easily download or update the app to access this exciting new feature and enjoy convenient disbursement account enrollment. Stay updated and make the most of this latest version today!

Available Disbursement Channels for Benefit Claims and Loan Applications (Updated as of February 1, 2021)

In a recent update, as of February 1, 2021, several disbursement channels have become available for specific benefit claims or loan applications. It is important to familiarize yourself with these channels to ensure a smooth and efficient process for receiving benefits or loans.

Important Reminders for SS Members: Enroll Your Disbursement Account in My.SSS for Faster Benefit and Loan Processing

Heads up SS Members! Make sure to enroll your Disbursement Account in your My.SSS profile before applying for any benefits or loans. By doing so, you can avoid delays in receiving your benefits and loan proceeds. Stay informed and get your funds faster!


Video: SSS DAEM: What is DAEM or Disbursement Account SSS

This informative video provides an in-depth explanation of DAEM, which stands for Disbursement Account Enrollment Module. Viewers will learn about the purpose and benefits of DAEM, how it works, and how to set up and manage their own disbursement account with the Social Security System. Whether you’re a member or considering joining the SSS, this video is a must-watch to understand the convenience and efficiency of DAEM.


eSSSkwela Vlog No.2: Tips & Guides – Pag-Enrol sa SSS Disbursement Account Enrollment Module (DAEM)

In the second installment of the eSSSkwela vlog series, viewers can expect valuable tips and guides on how to enroll in the SSS Disbursement Account Enrollment Module (DAEM). This informative video will provide step-by-step instructions and important reminders to ensure a smooth enrollment process for SS members.


#eSSSkwela Vlog No.3: FAQs – My.SSS Registration and Disbursement Account Enrollment Module (DAEM)

The latest #eSSSkwela vlog dives into your questions about My.SSS Registration and DAEM Enrolment, gleaned from the comments section of previous episodes. See if your question was addressed and watch now!


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