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There are indeed numerous benefits that come with self-employment. However, on the grounds of social insurance through public institutions such as SSS, Pag-IBIG, and PhilHealth, challenges may arise. For instance, one may ask: how much is philhealth contribution for self employed?

Truly, taking full responsibility for your SSS, Pag-IBIG, and PhilHealth contributions is crucial for accessing personal loans, housing loans, and health insurance down the line.

Whether you’re just starting out or looking to maintain your contributions, this guide is here to help. 

How much is PhilHealth contribution for self-employed?

Requirements

First off, let’s start with the necessities. Here are the requirements for obtaining a PhilHealth ID and membership:

• Two fully completed PhilHealth Member Registration Forms (PMRF)
• Two recent 1×1 ID photos
• A photocopy of your PSA-issued birth certificate or at least two valid IDs (such as a passport, SSS ID, driver’s license, PRC ID, voter’s ID, etc.)
• A barangay certificate

Updating Your PhilHealth Membership Information

To switch your PhilHealth status from employed to self-employed, do the following:

1. Download the PhilHealth Member Registration Form (PMRF).
2. Check the Updating box in the upper right corner.
3. Fill out the form, selecting Self-Earning Individual under Membership Category and specify your estimated monthly income.
4. Submit the completed PMRF to the nearest PhilHealth branch.
5. Wait to receive a printed or emailed copy of your updated PhilHealth Member Data Record (MDR).

Also Read: GUIDE: PhilHealth Hospitalization Coverage and Benefits

How Much is the Contribution for Self-Employed PhilHealth Members?

Your PhilHealth contribution is based on your monthly basic salary. Refer to the following details:

When is My PhilHealth Contribution Due?

Meanwhile, you can pay your PhilHealth contribution on a monthly, quarterly, semi-annual, or annual basis. Here are the due dates for each schedule:

• Monthly: Last working day of the applicable month (e.g., for July, the deadline is July 31).
• Quarterly: Last working day of the applicable quarter (e.g., for July to September, the deadline is September 30).
• Semi-annually: Last working day of the first quarter of the applicable semester (e.g., for July to December, the deadline is September 30).
• Annually: Last working day of the first quarter of the year (e.g., for January to December 2024, the deadline is March 29, 2024).

How to Pay Contributions for Self-Employed PhilHealth Members

To pay your contributions through the PhilHealth Member Portal, follow these steps:

1. Log in to PhilHealth Member Inquiry.
2. Click on “Payment Management.”
3. Click “Generate SPA.”
4. Choose your payment option.
5. Proceed with the payment.

Also Read: PhilHealth contribution increases to 5% 

How much is the contribution for SSS self-employed?

Requirements 

The requirements are clear and straightforward. Follow these guidelines:

For those with an existing SS number:

1. Documents Needed:
   • SS Form E-4
   • Valid ID
   • Proof of self-employment

For new SSS membership applicants:

1. Primary Documents:
   • SS Form E-1
   • Birth certificate or an equivalent document
2. If a birth certificate is unavailable, provide one of the following:
   • Baptismal certificate or equivalent
   • Passport
   • Driver’s license
   • PRC card
3. If the above documents are unavailable, provide any two of the following:
   • ATM card
   • Alien Certificate of Registration
   • Child’s birth certificate
   • Child’s baptismal certificate or equivalent
   • Certificate of Confirmation from the National Commission on Indigenous People
   • Certificate of Licensure/Qualification Documents from MARINA
   • Certificate of Muslim Filipino Tribal Affiliation from the National Commission on Muslim Filipinos
   • Company ID
   • Court order for name and birth date change
   • Firearm License from PNP
   • GSIS card/Member’s Record/Certificate of Membership
   • Fishworker’s License from BFAR
   • Pag-IBIG Member’s Data Form/Transaction Card
   • Health or medical card
   • LGU ID (municipal, city, or barangay)
   • ID from a professional association recognized by PRC
   • Life insurance policy
   • Marriage contract or certificate
   • NBI clearance
   • Police clearance
   • PhilHealth card or Member’s Data Record
   • Postal ID
   • School ID
   • Senior Citizen Card
   • TIN Card
   • Student Permit from LTO
   • Transcript of Records
   • Voter’s ID

Reminders:

• Additional documents may be required by SSS. Check their official website for a comprehensive list.
• IDs or documents issued by foreign governments with English translations may be accepted by SSS.

Updating Your SSS Membership Type

To update your employment status with SSS from employed to self-employed:

1. Form Completion:
   • Download and complete two copies of the Member’s Data Change Request form (SSS Form E-4).
   • Select “Change of Membership Type” and “To Self-Employed.” Include details about your profession, start year, and monthly income.
2. Submission:
   • Submit the completed forms along with the necessary documents at your preferred SSS branch.

Also Read: SSS Online Employer Registration: A Guide for Companies and Employers

How Much is the Contribution for Self-Employed SSS Members?

According to an SSS Circular, a new contribution schedule has been implemented starting January 2023. The contribution rate is set at 14% of the Monthly Salary Credit (MSC).

When is My SSS Contribution Due Date?

Your SSS contribution due date is determined by the last digit of your SS number:

• Ends in 1 or 2: 10th day of the month
• Ends in 3 or 4: 15th day of the month
• Ends in 5 or 6: 20th day of the month
• Ends in 7 or 8: 25th day of the month
• Ends in 9 or 0: Last day of the month

How to Pay Contributions for Self-Employed SSS Members

To pay your contributions, complete the SS Form RS-5 (Contributions Payment Return) and submit payments through the following facilities:

SSS Offices:

• SSS branches with tellering facilities

Banks:

• AUB (over-the-counter and online via BancNet)
• Bank of Commerce (over-the-counter and online via BancNet)
• BPI (online)
• China Bank (online via BancNet)
• Metrobank (online via BancNet)
• PNB (online via BancNet)
• PNB Savings Bank (over-the-counter)
• Security Bank (online via DigiBanker)
• RCBC (online via BancNet)
• UnionBank (over-the-counter and online)

Non-bank Partners:

• Bayad
• GCash
• ECPay

How to pay Pag-IBIG contribution for self-employed?

Requirements

When applying to become a self-employed Pag-IBIG member, bring the following documents:

• Member’s Data Form (MDF)
• Two valid IDs
• Latest income tax return (ITR) along with last year’s CPA-certified financial statement
• Employee Statement of Accumulated Value (ESAV)
• Business Permit or Mayor’s Permit
• DTI or SEC registration in your name

Updating Your Pag-IBIG Membership Information

If you need to change your Pag-IBIG membership category or status, follow these steps:

1. Download and Fill Out the Form:
   • Obtain the Pag-IBIG Member’s Change of Information Form (MCIF).
   • Under the section for Change of Membership Category, write “Employed to Self-Employed.”
2. Submit the Form:
   • Submit the completed form along with a valid ID to the nearest Pag-IBIG branch.
3. Payment:
   • Obtain a Payment Order Form and go to the Cash Division to pay your Pag-IBIG contribution.

How Much and how to Pay Contribution for Self-Employed Pag-IBIG Members?

According to the latest Pag-IBIG circular, here are the contribution rates for all Pag-IBIG members, whether mandatory or voluntary:

Contribution Calculation

If your monthly income is ₱20,000, your monthly Pag-IBIG contribution will be 2% of that amount, resulting in a payment of ₱400 per month.

Pag-IBIG Contribution Deadlines

• Monthly Payments: Contributions are due on the 10th day of the following month. For example, if paying for July, the deadline is August 10.
• Quarterly Payments: Contributions are due on or before the 10th day of the first month of the next quarter. For instance, for the third quarter (July to September), the payment deadline is October 10.

Also Read: Pag-IBIG announces significant increase in contributions

How to Pay Contribution for Self-Employed Pag-IBIG Members

Paying via Virtual Pag-IBIG:

1. Log in to your account at Virtual Pag-IBIG.
2. Click the “Pay Online” button and select the applicable option.
3. Under Membership Category, choose “Local” and enter your Pag-IBIG MID number and name.
4. Input the amount and the period covered.
5. Proceed with the payment.

Alternative Payment Channels:

• Banks:
  • AUB (online and mobile banking; overseas remittance)
  • Metrobank (online and mobile banking)
  • PNB (overseas remittance)
• Non-Bank Partners:
  • Bayad
  • SM Business Centers (including Hypermarket)
  • M Lhuillier
  • ECPay
  • GCash
  • Coins.ph
  • Shopee
  • Maya

Final Thoughts

While SSS, Pag-IBIG, and PhilHealth contributions might seem like extra expenses, it’s important to view them as valuable investments in your future. Membership in these government programs can provide access to loans and other benefits down the line.

Therefore, ensure that your contributions as a self-employed member are diligently maintained!

Sources: (1), (2), (3)

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Keep Reading: How to Check Your SSS Contributions Online (browser version)