Are you unsure if your employer is consistently and accurately remitting your Pag-IBIG, PhilHealth, or SSS contributions withheld from your salary? While we expect employers to comply with their legal responsibilities, it is your right and duty as an employee to verify your records.
Even if your payslip shows deductions, it is not a guarantee that the funds have been remitted to the respective agencies. Failure to remit can deprive you of short-term loans and long-term benefits like healthcare and pensions.
Why some employers fail to remit payments
Some employers view the “employer share” of contributions as an extra financial burden. By failing to remit, they violate the law and jeopardize their employees’ security. This “due diligence” on your part ensures you are eligible for salary loans, housing loans, and hospital assistance when you need them most.
Penalties for non-compliance
Under the Social Security Act of 2018 (RA 11199), offending employers can face fines ranging from ₱5,000 to ₱20,000 and imprisonment for six to twelve years. Similar strict penalties apply to Pag-IBIG and PhilHealth violations.
How to check your Pag-IBIG contributions
The most efficient way to check your records today is through the Virtual Pag-IBIG portal.
- Virtual Pag-IBIG: Visit the official portal to view your “Regular Savings” (Mantatory Contributions) in real-time.
- Pag-IBIG Hotline: Dial (02) 8724-4244 (8-PAGIBIG).
- Email: contactus@pagibigfund.gov.ph
- Social Media: Message the verified Pag-IBIG Fund Facebook Page.
How to check your PhilHealth contributions
PhilHealth has migrated to a new Member Portal. The old “Member Inquiry Facility” has been replaced.
- Online Member Portal: Go to the PhilHealth Member Portal. You will need to register using your PhilHealth Identification Number (PIN).
- Electronic Premium Remittance System (EPRS): Once logged in, click on “Premium Contribution” to see a month-by-month breakdown of payments made by your employer.
- PhilHealth Action Center: Dial (02) 8441-7442 or text their “Callback Channel” at 0917-898-7442.
How to check your SSS contributions
SSS has become strictly digital for most transactions. Relying on the website or the mobile app is now the standard.
1. The SSS Mobile App
This is the easiest method. Download the SSS Mobile App on Google Play or the App Store. Once logged in, tap on “Actual Premiums” to see your total contributions and the most recent months posted.
2. My.SSS Portal (Web)
- Log in to your My.SSS Account.
- Go to the “Inquiry” tab and select “Contributions”.
- This will show you the exact date your employer paid your monthly premium.
3. SMS via Text-SSS
If you don’t have internet access, you can still use the SMS service:
Format: SSS CONTRIB <SS Number> <PIN> and send to 2600.
(Note: You must first register by texting: SSS REG <SS Number> <Birthdate MM/DD/YYYY> to 2600).
Conclusion
Regularly checking your contributions is a favor you do for your future self. If you notice gaps in your records, keep your payslips as evidence and bring the matter to your HR department immediately. If they refuse to correct the discrepancy, you can report the incident to the legal or compliance department of the respective agency.