SSS Contribution Table for Voluntary and Non-Working Spouses in 2026
The SSS contribution table for voluntary and non-working spouses is a guide that outlines the monthly contribution rates for those not required to pay mandatory SSS contributions.
This includes voluntary members who have chosen to enroll in the SSS program, as well as non-working spouses of SSS members who are not gainfully employed.
The contribution table provides a clear and concise breakdown of the different contribution rates based on the monthly salary credit of the individual.
The schedule below was issued under SSS Circular No. 2024-009, took effect in January 2025 and still applies in 2026, as SSS has not issued a newer schedule for voluntary and non-working spouse members. The contribution rate is 15% and the monthly salary credit (MSC) ranges from ₱5,000 to ₱35,000.
It is important for voluntary and non-working spouses to understand and abide by the contribution rates outlined in the table to ensure their eligibility for SSS benefits.
SSS Contributions for Voluntary and Non-Working Spouses Table in 2026
| Range of Compensation | Monthly Salary Credit | Amount of Contributions | ||||
|---|---|---|---|---|---|---|
| Regular SS | MPF | Total | Regular SS | MPF | Total | |
| Below 5,250 | ₱5,000 | – | ₱5,000 | ₱750 | – | ₱750 |
| 5,250 – 5,749.99 | ₱5,500 | – | ₱5,500 | ₱825 | – | ₱825 |
| 5,750 – 6,249.99 | ₱6,000 | – | ₱6,000 | ₱900 | – | ₱900 |
| 6,250 – 6,749.99 | ₱6,500 | – | ₱6,500 | ₱975 | – | ₱975 |
| 6,750 – 7,249.99 | ₱7,000 | – | ₱7,000 | ₱1,050 | – | ₱1,050 |
| 7,250 – 7,749.99 | ₱7,500 | – | ₱7,500 | ₱1,125 | – | ₱1,125 |
| 7,750 – 8,249.99 | ₱8,000 | – | ₱8,000 | ₱1,200 | – | ₱1,200 |
| 8,250 – 8,749.99 | ₱8,500 | – | ₱8,500 | ₱1,275 | – | ₱1,275 |
| 8,750 – 9,249.99 | ₱9,000 | – | ₱9,000 | ₱1,350 | – | ₱1,350 |
| 9,250 – 9,749.99 | ₱9,500 | – | ₱9,500 | ₱1,425 | – | ₱1,425 |
| 9,750 – 10,249.99 | ₱10,000 | – | ₱10,000 | ₱1,500 | – | ₱1,500 |
| 10,250 – 10,749.99 | ₱10,500 | – | ₱10,500 | ₱1,575 | – | ₱1,575 |
| 10,750 – 11,249.99 | ₱11,000 | – | ₱11,000 | ₱1,650 | – | ₱1,650 |
| 11,250 – 11,749.99 | ₱11,500 | – | ₱11,500 | ₱1,725 | – | ₱1,725 |
| 11,750 – 12,249.99 | ₱12,000 | – | ₱12,000 | ₱1,800 | – | ₱1,800 |
| 12,250 – 12,749.99 | ₱12,500 | – | ₱12,500 | ₱1,875 | – | ₱1,875 |
| 12,750 – 13,249.99 | ₱13,000 | – | ₱13,000 | ₱1,950 | – | ₱1,950 |
| 13,250 – 13,749.99 | ₱13,500 | – | ₱13,500 | ₱2,025 | – | ₱2,025 |
| 13,750 – 14,249.99 | ₱14,000 | – | ₱14,000 | ₱2,100 | – | ₱2,100 |
| 14,250 – 14,749.99 | ₱14,500 | – | ₱14,500 | ₱2,175 | – | ₱2,175 |
| 14,750 – 15,249.99 | ₱15,000 | – | ₱15,000 | ₱2,250 | – | ₱2,250 |
| 15,250 – 15,749.99 | ₱15,500 | – | ₱15,500 | ₱2,325 | – | ₱2,325 |
| 15,750 – 16,249.99 | ₱16,000 | – | ₱16,000 | ₱2,400 | – | ₱2,400 |
| 16,250 – 16,749.99 | ₱16,500 | – | ₱16,500 | ₱2,475 | – | ₱2,475 |
| 16,750 – 17,249.99 | ₱17,000 | – | ₱17,000 | ₱2,550 | – | ₱2,550 |
| 17,250 – 17,749.99 | ₱17,500 | – | ₱17,500 | ₱2,625 | – | ₱2,625 |
| 17,750 – 18,249.99 | ₱18,000 | – | ₱18,000 | ₱2,700 | – | ₱2,700 |
| 18,250 – 18,749.99 | ₱18,500 | – | ₱18,500 | ₱2,775 | – | ₱2,775 |
| 18,750 – 19,249.99 | ₱19,000 | – | ₱19,000 | ₱2,850 | – | ₱2,850 |
| 19,250 – 19,749.99 | ₱19,500 | – | ₱19,500 | ₱2,925 | – | ₱2,925 |
| 19,750 – 20,249.99 | ₱20,000 | – | ₱20,000 | ₱3,000 | – | ₱3,000 |
| 20,250 – 20,749.99 | ₱20,000 | ₱500 | ₱20,500 | ₱3,000 | ₱75 | ₱3,075 |
| 20,750 – 21,249.99 | ₱20,000 | ₱1,000 | ₱21,000 | ₱3,000 | ₱150 | ₱3,150 |
| 21,250 – 21,749.99 | ₱20,000 | ₱1,500 | ₱21,500 | ₱3,000 | ₱225 | ₱3,225 |
| 21,750 – 22,249.99 | ₱20,000 | ₱2,000 | ₱22,000 | ₱3,000 | ₱300 | ₱3,300 |
| 22,250 – 22,749.99 | ₱20,000 | ₱2,500 | ₱22,500 | ₱3,000 | ₱375 | ₱3,375 |
| 22,750 – 23,249.99 | ₱20,000 | ₱3,000 | ₱23,000 | ₱3,000 | ₱450 | ₱3,450 |
| 23,250 – 23,749.99 | ₱20,000 | ₱3,500 | ₱23,500 | ₱3,000 | ₱525 | ₱3,525 |
| 23,750 – 24,249.99 | ₱20,000 | ₱4,000 | ₱24,000 | ₱3,000 | ₱600 | ₱3,600 |
| 24,250 – 24,749.99 | ₱20,000 | ₱4,500 | ₱24,500 | ₱3,000 | ₱675 | ₱3,675 |
| 24,750 – 25,249.99 | ₱20,000 | ₱5,000 | ₱25,000 | ₱3,000 | ₱750 | ₱3,750 |
| 25,250 – 25,749.99 | ₱20,000 | ₱5,500 | ₱25,500 | ₱3,000 | ₱825 | ₱3,825 |
| 25,750 – 26,249.99 | ₱20,000 | ₱6,000 | ₱26,000 | ₱3,000 | ₱900 | ₱3,900 |
| 26,250 – 26,749.99 | ₱20,000 | ₱6,500 | ₱26,500 | ₱3,000 | ₱975 | ₱3,975 |
| 26,750 – 27,249.99 | ₱20,000 | ₱7,000 | ₱27,000 | ₱3,000 | ₱1,050 | ₱4,050 |
| 27,250 – 27,749.99 | ₱20,000 | ₱7,500 | ₱27,500 | ₱3,000 | ₱1,125 | ₱4,125 |
| 27,750 – 28,249.99 | ₱20,000 | ₱8,000 | ₱28,000 | ₱3,000 | ₱1,200 | ₱4,200 |
| 28,250 – 28,749.99 | ₱20,000 | ₱8,500 | ₱28,500 | ₱3,000 | ₱1,275 | ₱4,275 |
| 28,750 – 29,249.99 | ₱20,000 | ₱9,000 | ₱29,000 | ₱3,000 | ₱1,350 | ₱4,350 |
| 29,250 – 29,749.99 | ₱20,000 | ₱9,500 | ₱29,500 | ₱3,000 | ₱1,425 | ₱4,425 |
| 29,750 – 30,249.99 | ₱20,000 | ₱10,000 | ₱30,000 | ₱3,000 | ₱1,500 | ₱4,500 |
| 30,250 – 30,749.99 | ₱20,000 | ₱10,500 | ₱30,500 | ₱3,000 | ₱1,575 | ₱4,575 |
| 30,750 – 31,249.99 | ₱20,000 | ₱11,000 | ₱31,000 | ₱3,000 | ₱1,650 | ₱4,650 |
| 31,250 – 31,749.99 | ₱20,000 | ₱11,500 | ₱31,500 | ₱3,000 | ₱1,725 | ₱4,725 |
| 31,750 – 32,249.99 | ₱20,000 | ₱12,000 | ₱32,000 | ₱3,000 | ₱1,800 | ₱4,800 |
| 32,250 – 32,749.99 | ₱20,000 | ₱12,500 | ₱32,500 | ₱3,000 | ₱1,875 | ₱4,875 |
| 32,750 – 33,249.99 | ₱20,000 | ₱13,000 | ₱33,000 | ₱3,000 | ₱1,950 | ₱4,950 |
| 33,250 – 33,749.99 | ₱20,000 | ₱13,500 | ₱33,500 | ₱3,000 | ₱2,025 | ₱5,025 |
| 33,750 – 34,249.99 | ₱20,000 | ₱14,000 | ₱34,000 | ₱3,000 | ₱2,100 | ₱5,100 |
| 34,250 – 34,749.99 | ₱20,000 | ₱14,500 | ₱34,500 | ₱3,000 | ₱2,175 | ₱5,175 |
| 34,750 and above | ₱20,000 | ₱15,000 | ₱35,000 | ₱3,000 | ₱2,250 | ₱5,250 |
Source (click to show)
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- Making SSS Contribution Payments Easier Through Partner Channels
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Eligibility for Voluntary and Non-Working Spouse Membership in the SSS
To be eligible for voluntary and non-working spouse membership in the Social Security System (SSS), the individual must meet certain requirements.
For Voluntary Membership
A voluntary member is someone who was previously covered by SSS as an employee, self-employed member or OFW and has at least one posted contribution, but has stopped working in that capacity (for example, after resigning, losing self-employment income or finishing an overseas contract) and chooses to keep paying to maintain the right to full SSS benefits. A non-working spouse who ceases to be a non-working spouse may also continue as a voluntary member.
The individual must also not be an employee, self-employed, or overseas Filipino worker who is required to pay SSS contributions.
Reaching 60 does not automatically end voluntary payments. A member aged 60 to below 65 with at least 120 monthly contributions may keep paying as a voluntary member until 65 to get full benefits, and a member aged 65 or older with fewer than 120 contributions may continue paying as a voluntary member until 120 contributions are completed, to qualify for a monthly pension instead of a lump sum.
For Non-Working Spouse Member
To be eligible as a non-working spouse (NWS) member, the individual must be legally married to an employed, self-employed or OFW member who is paying regular contributions to the SSS and has at least one posted contribution within the six months before the NWS registers.
SSS defines a non-working spouse as a married person who devotes full time to managing the household and family affairs and is not engaged in any other vocation or employment that is subject to mandatory SSS coverage. The applicant must not have been an SSS member before and must not be over 60 years old.
The NWS’s initial MSC is based on 50% of the working spouse’s declared monthly income. If that amount does not match an MSC in the schedule, the next higher MSC applies. The NWS may later change the MSC based on the same 50% figure without presenting proof. Since contributions follow the current schedule, the lowest possible MSC is ₱5,000.
Both voluntary and non-working spouse members are eligible to receive certain benefits from the SSS, such as sickness, disability, retirement, death, funeral and 70K SSS Maternity benefits.
They are not covered by the unemployment benefit, which is only for involuntarily separated employees (including kasambahays) and OFWs. They also pay no Employees’ Compensation (EC) contribution, since the Circular 2024-009 schedule only covers the Regular SS and MPF programs, so they are not covered by EC benefits.
Contribution Rates for Voluntary and Non-Working Spouses
For voluntary and non-working spouses, the monthly contribution rate is 15%, and the member pays the full amount because there is no employer share. The amount of contributions may vary depending on the individual’s monthly salary credit.
It includes Regular Social Security and the Mandatory Provident Fund (MPF) amount.
The Regular SS MSC is capped at PHP 20,000. The part of the MSC above PHP 20,000, up to the maximum of PHP 35,000, goes to the MPF and is credited to the member’s individual account.
- For example, the amount of contribution for voluntary and non-working spouses having a monthly income of PHP 10,000 is PHP 1,500. Similarly, for the voluntary and non-working spouses having a monthly income of PHP 20,000, the monthly contribution is PHP 3,000.
- But if they have a monthly salary credit of PHP 21,000 where Regular Social Security is PHP 20,000 and MPF is PHP 1,000, the monthly contribution is PHP 3,150.
For Voluntary and Non-working spouses, the range of compensation to compute the contribution is Below PHP 5,250 to PHP 34,750 and above. The amount of contribution ranges from PHP 750 to PHP 5,250 per month.
Calculate your SSS Contributions for Voluntary and Non-Working Spouse Membership with our SSS Contribution Calculator.
Payment Deadlines and Channels
Voluntary and non-working spouse members may pay monthly or quarterly. The deadline is the last day of the month following the applicable month, or following the applicable quarter if you pay quarterly (for example, July to September contributions are due by October 31). If the deadline falls on a weekend or holiday, you can pay on the next working day.
Before paying, generate a Payment Reference Number (PRN) through My.SSS or the SSS Mobile App. Voluntary members simply select “Voluntary Member” as the membership type when generating the PRN. No form or supporting document is needed.
You can pay at SSS branches with tellering facilities, SSS-accredited banks (over the counter or through their websites and apps), SSS non-bank collecting partners such as Bayad Center (over the counter or online), and the SSS Mobile App.
Late or retroactive payments are not allowed. Months without posted contributions become “gaps” that cannot be back-paid, and you can only pay for current and future months. Gaps do not cancel your membership, and you can still claim benefits and loans as long as you meet the qualifying conditions.
Benefits of Voluntary Contributions for Non-Working Spouses
Voluntary and non-working spouse members may be eligible to receive the following benefits:
1. Retirement Benefits
Voluntary and non-working spouse members who meet the eligibility criteria may be eligible to receive a monthly pension after they reach retirement age. Calculate the amount with the SSS Retirement Calculator.
2. Disability Benefits
If a voluntary or non-working spouse member becomes disabled, they may be eligible to receive a monthly pension to help cover the costs of their medical treatment and other expenses.
3. Death Benefits
If a voluntary or non-working spouse member passes away, their primary beneficiaries may receive a monthly pension if the member paid at least 36 monthly contributions before the semester of death, or a lump sum if the member paid fewer than 36. The funeral benefit is a separate cash benefit that helps cover burial costs.
In order to receive these benefits, voluntary and non-working spouse members must have made the required number of contributions and meet other eligibility criteria.
It is always a good idea to check with the SSS directly to determine your specific eligibility for benefits.
Frequently Asked Questions about Voluntary and Non-Working Spouse Contributions
1. What is a Voluntary Contribution for a Non-Working Spouse?
A voluntary contribution is a payment made to SSS by a non-working spouse who is not required to make mandatory contributions. These contributions allow non-working spouses to access SSS benefits and secure their social security protection.
2. Can I still claim maternity benefits as a voluntary or non-working spouse member if my last contribution was several years ago?
Yes, you can still qualify for SSS maternity benefits if you meet the following requirements:
- Have at least 3 monthly contributions in the 12-month period immediately before the semester of childbirth, miscarriage or emergency termination of pregnancy (ETP). Only contributions paid before that semester count, so resume paying as early as possible.
- Notify SSS of your pregnancy directly through your My.SSS account, the SSS Mobile App or a Self-Service Express Terminal
- The benefit amount will depend on your average Monthly Salary Credit (MSC) and total contributions
3. Can I resume SSS contributions after a long gap in payments?
Yes, you can resume paying SSS contributions as a voluntary member if you already have at least one posted contribution. The missed months stay as gaps, but they do not cancel your membership. For a monthly retirement pension you need at least 120 monthly contributions before the semester of retirement; if you reach age 65 with fewer, you can keep paying as a voluntary member until you complete 120. First-time voluntary members may choose any MSC in the current contribution schedule, while members aged 55 and above can raise their MSC only once a year, by one bracket.
4. Can I pay SSS contributions retroactively for missed months?
No, SSS does not allow retroactive payment of missed contributions. You can only make payments for the current and future months to maintain your membership and eligibility for benefits.
5. How do I start paying SSS contributions if I have an SSS number but no previous contributions?
If you have an SSS number but haven’t made any contributions, you can:
- Register as a self-employed member if you earn your own income, or apply as a non-working spouse if you qualify (see question 7). You cannot start as a voluntary member, because voluntary membership is only for members who already have at least one posted contribution as an employee, self-employed member or OFW.
- For self-employed members, contributions are based on your declared monthly income
- Choose your Monthly Salary Credit (MSC) from the contribution table based on your income
- Start making regular monthly contributions to ensure access to SSS benefits
6. How do I file for maternity benefits (MAT-1 and MAT-2)?
To file for maternity benefits:
- Submit your maternity notification directly to SSS through My.SSS, the SSS Mobile App or a Self-Service Express Terminal as soon as your pregnancy is confirmed, and before the date of delivery, miscarriage or ETP
- File the maternity benefit claim within 10 years from the date of delivery, miscarriage or ETP
- Ensure you meet the minimum contribution requirements
- Submit required supporting documents such as pregnancy verification and child’s birth certificate
The benefit equals your average daily salary credit for 105 days (live childbirth), 120 days (solo parents) or 60 days (miscarriage or ETP). Because it is computed on an MSC of up to ₱20,000, the maximum is ₱70,000, or ₱80,000 for solo parents and ₱40,000 for miscarriage or ETP.
7. Can Non-Working Spouses Apply for Voluntary Contributions on their Own?
Yes. A non-working spouse first registers online to get an SS number, then submits a filled-out Member Data Change Request (SS Form E-4) with the required supporting documents to the nearest SSS branch. Membership starts once the first contribution matching the approved registration is paid.
8. Can Voluntary Contributors Receive the Same Benefits as Regular Contributors?
Mostly yes. Voluntary contributors can receive sickness, maternity, disability, retirement, death and funeral benefits, provided they meet the qualifying conditions for each benefit type. The exceptions are the unemployment benefit and Employees’ Compensation (EC) benefits, which do not apply to voluntary and non-working spouse members.
9. How long do Non-Working Spouses need to Contribute before they are Eligible for Benefits?
The required contribution period varies by benefit type:
- For retirement: at least 120 monthly contributions prior to the semester of retirement
- For maternity: at least 3 monthly contributions in the 12-month period immediately before the semester of childbirth, miscarriage or ETP
- For sickness: at least 3 monthly contributions in the 12-month period immediately before the semester of sickness or injury; for disability: a minimum number of monthly contributions as specified by SSS
10. What documents are needed to register as a voluntary member?
Switching to voluntary membership needs no form or document: you simply select “Voluntary Member” when generating your PRN. To register as a non-working spouse member, you need to provide:
- At least one valid government-issued ID
- Marriage certificate (for non-working spouse membership)
- Properly filled-out SSS forms
- Other supporting documents as may be required by SSS
Conclusion
The Social Security System (SSS) is a government-run program that provides social security benefits to eligible members in the Philippines.
Voluntary and non-working spouse members pay the full 15% contribution themselves, since there is no employer to share it. Their contributions provide financial protection in the event of illness, disability, old age, or death.
Non-working spouses are also allowed to make voluntary contributions to the SSS. These contributions can help non-working spouses become eligible for social security benefits, such as retirement, disability, and survivor’s pensions.
It is important for both working and non-working spouses to understand the contribution table and stay up-to-date on any changes to the SSS program.
This can help ensure that they are making the appropriate contributions and are eligible for the social security benefits they may need in the future.