Nikki
For millions of Filipino workers, the Social Security System (SSS) is a vital government program that provides retirement, disability, maternity, and death benefits.
In 2025, new contribution rates and updated online payment systems are in place, streamlining the process for employees, self-employed individuals, and overseas Filipino workers (OFWs).
This article provides a comprehensive guide on SSS contribution amounts and how to generate a Payment Reference Number (PRN) for loan payments.
How Much Is the SSS Contribution in 2025?
As of 2025, the SSS contribution rate has increased from 13% to 14% of the employee’s Monthly Salary Credit (MSC). Here’s a detailed breakdown:
| Category | Contribution Rate | Who Pays |
|---|---|---|
| Employed Workers | 14% | 9.5% Employer, 4.5% Employee |
| Self-Employed | 14% | Full amount by individual |
| OFWs | 14% | Full amount by individual |
| Non-working Spouse | 14% | Full amount by individual |
- Minimum MSC: ₱4,000
- Maximum MSC: ₱30,000
- Contributions apply monthly
- Starting May 2025, the rate will rise to 15%
For salaried employees, employers handle the contribution automatically. However, freelancers, OFWs, and non-working spouses must pay manually via SSS online portals or partner payment centers.
Who Is Eligible to Contribute to SSS?
You are eligible to contribute if you fall under any of the following:
- A private sector employee
- A self-employed individual
- An OFW
- A non-working spouse of an SSS member
- A voluntary member who was previously covered but is now unemployed
To start contributing:
- Register online at the official SSS website.
- Ensure your personal data (SS Number, name, birthdate, and bank info) is up to date.
- Submit proof of income (if self-employed or OFW).
How to Generate a PRN for SSS Loan Payment
The Payment Reference Number (PRN) is required for all SSS transactions, including loan repayments. Here’s how you can generate one:
Method 1: Through My.SSS Portal
- Log in to your My.SSS account.
- Go to the ‘PRN’ section on your dashboard.
- Enter the required details: applicable month, amount, and due date.
- Click ‘Generate PRN’.
- Save or print your PRN to use in payment.
Method 2: Via SMS
- Text:
SSS PRN <SS Number> <Month> <Amount> - Send to the official PRN SSS hotline.
- You’ll receive a text message with your unique PRN.
Method 3: Through Email or Hotline
- Send an email request with your details.
- Call the SSS hotline and provide necessary information for manual PRN generation.
Once you’ve obtained your PRN, you can make payments through:
- Online banking
- GCash or PayMaya
- SSS-accredited payment partners
The SSS Online Payment system for 2025 simplifies contributions and loan repayments for millions of Filipinos. With the increase in contribution rates and PRN becoming essential for every transaction, staying updated is more important than ever.
Whether you’re employed, self-employed, or an OFW, knowing how to navigate the SSS system can help secure your future benefits.
Always double-check your details, generate your PRN before payment, and use trusted channels for transactions.
FAQs
What is the purpose of the PRN in SSS?
The PRN ensures that your payment is correctly posted to your SSS records and is mandatory for all contributions and loan payments.
Can I pay my SSS contributions in advance?
Yes, voluntary members and OFWs can pay quarterly or yearly in advance using the generated PRN.
What happens if I miss my payment deadline?
You can still pay later, but interest and penalties may apply for loans. Ensure to generate a new PRN for missed months.