Voluntary Membership Guide for SSS, Pag-Ibig and PhilHealth

19 August 2022
Voluntary Membership Guide for SSS PagIBIG and PhilHealth 1

If you recently decided to be a full-time freelancing, an Overseas Filipino Worker (OFW), or run your own business full-time and quite your regular job, then you must be wondering how you can pay your government benefits voluntarily. Your previous employer is no longer responsible for deducting your Pag-IBIG, PhilHealth, and SSS payments and you must do it on your own moving forward.


As a voluntary member, it's critical that you keep up with your contribution payments to these government departments even with your minimum monthly savings. Only if you satisfy the minimum amount of contributions you can apply for a personal loan or housing loan, benefits (such as sickness, maternity, and retirement benefits), and health insurance.


Voluntary contribution of government benefits


Pay your payments directly to any branch of Pag-IBIG, PhilHealth, or SSS to ensure that they are reflected in the system immediately. Also, paying through one of their authorized bill payment centers or collection agencies is a more convenient alternative although payments made through these methods may take up to three days to be posted to your account.


For more payment options for government monthly contribution, you can check them out here:


For your Pag-IBIG Contributions


Pag-IBIG contributions or Home Development Mutual Fund may be paid using Mastercard or Visa credit cards by freelancers and overseas workers. Making a payment with a credit card is as simple as visiting the Pag-IBIG Online Payment Facility.


  • Bayad Center and its authorized partners
  • CashPinas Moneygment App (Credit to Account, DragonPay, ECPay, PayPal and 7-Eleven stores)
  • ECPay thru 7-Eleven and merchant stores
  • Metrobank
  • M Lhuillier
  • Savemore
  • SM Business Service Centers
  • SM Hypermarket


In addition, OFWs may also send their contributions through the AUB and PNB offices in the countries where they work.


Pag-IBIG contribution deadline for voluntary pag-ibig members


Pag-IBIG contribution for self-employed members may be sent monthly or quarterly. Just make sure to take a record of your Pag-IBIG MID Number. The 10th day of the next month is the due date for all monthly payments. If you owe money for the month of July, the deadline to make a payment is the 10th of August.


Meanwhile, you can pay Pag-IBIG contribution quarterly payments by the 10th day of the first month of the following quarter or earlier. For example, you have until October 10 to make a payment for the third quarter of the year which runs from July to September.


For your PhilHealth Contribution


There are PhilHealth-accredited collecting agents throughout the Philippines and across the world where you may pay your payments.


As an alternative, the One-Stop Service Center for OFWs (OSSCO) is located on the ground floor of POEA or the Philippine Overseas Employment Administration office on Ortigas Ave. cor. EDSA, Mandaluyong City, where OFWs may make their PhilHealth payments.


PhilHealth contribution deadline for voluntary PhilHealth members


There are a number of ways for freelancers to contribute to their own health insurance via the PhilHealth voluntary contribution program. All contributions must be settled on or before the due dates shown below:


  • Monthly Contribution: Last business day of the month. (For September, the deadline to submit payment is September 30.)
  • To Pay Quarterly: Last business day of the quarter. (For October to December, the deadline to submit payment is December 29.)
  • Semi-annually: Last business day of the first quarter of the semester (For July to December, the deadline to submit payment is September 30.)
  • Annually: Last business day of the first quarter of the year (For January to December 2022, the deadline to submit payment is March 31, 2022.)


For your SSS Contribution Payment


You may pay your SSS contributions in cash at one of these partner banks. OFWs may also designate a family member or representative to make their SSS contribution on their behalf at any certified payment outlet in the Philippines.


  • Asia United Bank
  • Wealth Bank
  • Bank of Commerce
  • United Coconut Planters Bank
  • Bank One Savings Bank
  • Union Bank of the Philippines
  • First Isabela Cooperative Bank
  • Rural Bank of Lanuza
  • Partner Rural Bank
  • PNB Savings Bank
  • Philippine Business Bank


These online payment alternatives are also available to SSS members who prefer to make their monthly payments on a voluntary basis:


  • Bayad Center
  • UnionBank
  • GCash
  • Security Bank


In order for OFW members to pay their contributions, they may do it via these accredited agencies:


- Asia United Bank

- LMI Express Delivery, Inc.

- Bank of Commerce

- Ventaja International Corporation

- Philippine National Bank

- Sky Freight Forwarders, Inc.

- iRemit, Inc.

- Pinoy Express Hatid Padala Services, Inc.


In order to guarantee that your Social Security contributions are paid on schedule, you may enroll in any SSS partner bank's auto-debit arrangement system:


  • BPI
  • PSBank
  • Country Builders Bank
  • PNB
  • First Consolidated Bank
  • Metrobank


SSS contribution deadline for SSS voluntary member


There is a difference between the payment of self-employed members and OFW members:


For Self-Employed Members


Voluntary Members of SSS can pay their dues based on the final digit of their SSS number.


1 or 2: 10th day of the next applicable month or quarter


3 or 4: 15th day of the next applicable month or quarter


5 or 6: 20th day of the next applicable month or quarter


7 or 8: 25th day of the next applicable month or quarter


9 or 0: Last day of the next applicable month or quarter


If your Social Security Number (SSN) ends in 1, your July payment is due on August 10. Your payment deadline for the third quarter of the year (July to September) is October 10.


For OFW Members


In the case of OFWs, they may make their SSS payments at any time of the year. In the event that they're paying for October through December, their due date is January 31.


Settling your monthly contributions can be less of a hassle if you live a few minutes away from government offices.


Achieve this convenience when you purchase a house and lot package from Lumina Homes which is situated a few blocks away from government buildings and offices. Bask in practicality at its finest since you can process and settle all the necessary transactions from the government and nearby commercial establishments with ease and more quickly.


You can even save yourself from the exhausting long trips just to complete an important government or business appointment or monthly contributions.


Hurry and grab this wonderful perk now by availing yourself of a house and lot from any of our more than 50 projects nationwide! 

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