How to Update and Change Your SSS Contributions Online

Updating your SSS contribution online is simple and accessible to members like Voluntary, Self-employed, OFWs, and Non-working spouses.

With just a few steps, you can adjust your contribution without needing to visit an SSS branch.

Learn how to update your contribution via both the My.SSS portal and the SSS Mobile App.

We’ll also cover how employers can update employee contributions and discuss the rules for changing your Monthly Salary Credit (MSC).

sss edit contributions online
Screengrab taken from MySSS website

Who Can Change Their SSS Contribution?

Before diving into the process, it’s important to understand who is eligible to update their SSS contributions.

  1. Voluntary/Self-employed/OFW Members Below 55 Years Old

Members in this category can change their contributions as often as needed.
Since their income can vary, they have the flexibility to select a Monthly Salary Credit (MSC) that reflects their earnings for any given period.
For example, if your business income increases one month, you can choose a higher contribution bracket.
Conversely, if income decreases, you can reduce the amount, as long as it doesn’t fall below the minimum MSC for your membership type.

  1. Voluntary/Self-employed/OFW Members 55 Years Old and Above

For those over 55, contribution increases are limited to once per year and can only rise by one salary bracket from the last payment.
For instance, if you’re paying Php 1,430 per month based on a salary range of 11,000 pesos, you can only increase your contribution to the next bracket—let’s say Php 1,495.
This restriction remains until the next year when you can increase the contribution again.

  1. Non-working Spouse Members

A non-working spouse’s contribution is based on 50% of their partner’s income.
If their spouse’s salary changes, the contribution can be adjusted accordingly.
There’s no need to submit proof of income to the SSS for this change.

Updating Your SSS Contribution via the My.SSS Portal

Updating your contribution online through the My.SSS portal is straightforward.
Here are the steps:

  1. Log in to My.SSS:
    Visit the SSS website and log in using your credentials.
    If you’ve forgotten your login details, there are options to recover them.
  2. Access the Payment Reference Number (PRN):
    On the main menu, look for PRN – Contribution.
  3. Generate a PRN:
    Select the Generate PRN option to create a payment reference number.
  4. Choose Your New Contribution Amount:
    Pick your membership type (Voluntary, OFW, etc.), the applicable period for payment, and the new contribution amount you wish to pay.
  5. Copy the PRN:
    After confirming the details, copy or print the PRN for record-keeping purposes.
  6. Make a Payment:
    Pay the new contribution amount using the generated PRN.
    You can choose from various payment methods like bank transfers, online payments, or payment centers.

Updating Your Contribution via the SSS Mobile App

If you prefer using your mobile phone, you can update your contribution through the SSS mobile app.
Here’s how:

  1. Log in to the SSS Mobile App:
    Open the app and log in with your username and password.
  2. Generate a PRN:
    Tap on Generate PRN at the bottom of the app dashboard.
  3. Create a New PRN:
    Select Create and choose your membership type, applicable period, and contribution amount.
  4. Submit Your Request:
    After confirming the details, tap Submit to generate the PRN.
  5. Copy the PRN:
    You can copy the PRN from your Statement of Account (SOA) and use it to make your payment.
  6. Make the Payment:
    Once you’ve generated the PRN, proceed with the payment using your preferred method.
    Always double-check that the payment is correctly reflected in your My.SSS account.

How Employers Can Update Employee Contributions

Employees themselves cannot directly update their SSS contributions.
This task falls to their employers, who manage contributions via the My.SSS Employer Account.
Here’s how employers can update an employee’s contribution:

  1. Log in to My.SSS Employer Account:
    Employers log in to the system using their credentials.
  2. Access the PRN Section:
    On the dashboard, employers select the Payment Reference Number (PRN) option.
  3. Cancel the Existing Contribution List:
    If the employer hasn’t yet paid, they can cancel the existing Electronic Contribution Collection List (E-CCL) to make changes.
  4. Update Employee Details:
    Employers can then update the employee’s monthly compensation, which automatically adjusts the SSS contribution amount.
  5. Generate a New E-CCL:
    After making the changes, employers can generate a new collection list for payment.

Why Regularly Updating Your SSS Contribution Matters

Adjusting your SSS contribution based on your income provides multiple benefits:

  • Maximizes Benefits: By paying higher contributions during higher income months, you increase your eventual benefits for pensions, loans, and allowances.
  • Financial Flexibility: For OFWs, voluntary members, or self-employed individuals with fluctuating income, updating contributions can match your financial situation.
  • Avoid Penalties: Keeping your contributions accurate helps prevent gaps in your contribution history, which could result in penalties or delays in receiving benefits.

Conclusion

Updating your SSS contribution is an easy and important task that helps you stay aligned with your current financial circumstances.
Whether you’re doing it through the My.SSS portal or the SSS mobile app, the process is designed to be straightforward and convenient.
By keeping your contributions up to date, you maximize your SSS benefits and avoid future complications.
Remember to review your income regularly and adjust your contributions as needed to make the most of your SSS membership.

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