How to Know If Your Employer Is Paying Your SSS, PhilHealth, and Pag-IBIG

Nov 25, 2025

How to Know If Your Employer Is Paying Your SSS, PhilHealth, and Pag-IBIG

1. Why Verification Matters
2. How to Verify SSS Contributions
Step 1: Create or Access Your My.SSS Account
Step 2: Check Monthly Contributions
Step 3: Report Discrepancies
3. How to Verify PhilHealth Contributions
Step 1: Access PhilHealth Member Portal
Step 2: Check Contribution History
Step 3: Follow Up on Errors
4. How to Verify Pag-IBIG Contributions
Step 1: Access Pag-IBIG Online Services
Step 2: Review Contributions
Step 3: Address Issues
5. Tips for Employees
6. Example Scenario

For employees in the Philippines, mandatory contributions to SSS, PhilHealth, and Pag-IBIG are crucial for securing benefits such as retirement, health coverage, and housing loans. While employers are legally required to remit these contributions, mistakes or delays can happen.

This guide explains how you can verify that your employer is paying these contributions correctly and avoid future issues.

Failing to ensure your contributions are paid can lead to:

  • Loss of benefits: Loans, healthcare, and retirement may be affected

  • Penalties for late payments: Employers are liable, but employees may face delays in benefits

  • Difficulty claiming benefits: Missing contributions complicate claims for maternity, sickness, or loans

  • Financial uncertainty: Contributions are your safety net for future needs

  • Visit https://www.sss.gov.ph

  • Register using your SS Number and personal info

  • Log in to access your contribution history

  • Click “Inquiry” → “Contributions”

  • Review the month and amount paid by your employer

  • Verify against your payslip deduction

  • Contact SSS via hotline or email

  • Provide proof of deduction from your payroll

  • Request correction or follow up with your employer

  • Enter your PhilHealth number

  • Check payments and status

  • Ensure employer remittance matches your payroll deductions

  • Contact PhilHealth through hotline or email

  • Provide proof of your monthly deductions

  • Ask your employer for adjustment if contributions are missing

  • Log in and go to “Member’s Contribution”

  • Check monthly payments

  • Compare with your payslip deduction

  • Contact Pag-IBIG hotline or email support

  • Present proof of deduction

  • Request employer to remit missing payments

  • Check contributions regularly: Monthly verification prevents long-term issues

  • Keep payslips and proof of deductions: Useful for follow-ups

  • Coordinate with HR or payroll: Most errors can be corrected internally

  • Be proactive: Don’t wait for annual benefits claims to discover missing payments

  • Understand your benefits: Knowing what contributions secure helps in financial planning

Suppose your monthly salary is ₱25,000. Your deductions:

  • SSS: ₱875

  • PhilHealth: ₱562.50

  • Pag-IBIG: ₱500

You log in to your SSS, PhilHealth, and Pag-IBIG accounts and notice that only SSS was credited. Immediate action: contact payroll to correct missing PhilHealth and Pag-IBIG contributions. Acting promptly avoids delays in healthcare benefits or eligibility for loans.

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