SSS Contribution Table for Voluntary and Non-Working Spouses in 2024
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.
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.
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| Range of Compensation | Monthly Salary Credit | Amount of Contributions | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Social Security | Worker’s Investment and Savings Program | Total | Regular Social Security | Worker’s Investment and Savings Program | Total | ||||||||||
| Below 4,250 | ₱4,000 | – | ₱4,000 | ₱560 | – | ₱560 | |||||||||
| ₱4,250 – 4,749.99 | ₱4,500 | – | ₱4,500 | ₱630 | – | ₱630 | |||||||||
| ₱4,750 – 5,249.99 | ₱5,000 | – | ₱5,000 | ₱700 | – | ₱700 | |||||||||
| ₱5,250 – 5,749.99 | ₱5,500 | – | ₱5,500 | ₱770 | – | ₱770 | |||||||||
| ₱5,750 – 6,249.99 | ₱6,000 | – | ₱6,000 | ₱840 | – | ₱840 | |||||||||
| ₱6,250 – 6,749.99 | ₱6,500 | – | ₱6,500 | ₱910 | – | ₱910 | |||||||||
| ₱6,750 – 7,249.99 | ₱7,000 | – | ₱7,000 | ₱980 | – | ₱980 | |||||||||
| ₱7,250 – 7,749.99 | ₱7,500 | – | ₱7,500 | ₱1,050 | – | ₱1,050 | |||||||||
| ₱7,750 – 8,249.99 | ₱8,000 | – | ₱8,000 | ₱1,120 | – | ₱1,120 | |||||||||
| ₱8,250 – 8,749.99 | ₱8,500 | – | ₱8,500 | ₱1,190 | – | ₱1,190 | |||||||||
| ₱8,750 – 9,249.99 | ₱9,000 | – | ₱9,000 | ₱1,260 | – | ₱1,260 | |||||||||
| ₱9,250 – 9,749.99 | ₱9,500 | – | ₱9,500 | ₱1,330 | – | ₱1,330 | |||||||||
| ₱9,750 – 10,249.99 | ₱10,000 | – | ₱10,000 | ₱1,400 | – | ₱1,400 | |||||||||
| ₱10,250 – 10,749.99 | ₱10,500 | – | ₱10,500 | ₱1,470 | – | ₱1,470 | |||||||||
| ₱10,750 – 11,249.99 | ₱11,000 | – | ₱11,000 | ₱1,540 | – | ₱1,540 | |||||||||
| ₱11,250 – 11,749.99 | ₱11,500 | – | ₱11,500 | ₱1,610 | – | ₱1,610 | |||||||||
| ₱11,750 – 12,249.99 | ₱12,000 | – | ₱12,000 | ₱1,680 | – | ₱1,680 | |||||||||
| ₱12,250 – 12,749.99 | ₱12,500 | – | ₱12,500 | ₱1,750 | – | ₱1,750 | |||||||||
| ₱12,750 – 13,249.99 | ₱13,000 | – | ₱13,000 | ₱1,820 | – | ₱1,820 | |||||||||
| ₱13,250 – 13,749.99 | ₱13,500 | – | ₱13,500 | ₱1,890 | – | ₱1,890 | |||||||||
| ₱13,750 – 14,249.99 | ₱14,000 | – | ₱14,000 | ₱1,960 | – | ₱1,960 | |||||||||
| ₱14,250 – 14,749.99 | ₱14,500 | – | ₱14,500 | ₱2,030 | – | ₱2,030 | |||||||||
| ₱14,750 – 15,249.99 | ₱15,000 | – | ₱15,000 | ₱2,100 | – | ₱2,100 | |||||||||
| ₱15,250 – 15,749.99 | ₱15,500 | – | ₱15,500 | ₱2,170 | – | ₱2,170 | |||||||||
| ₱15,750 – 16,249.99 | ₱16,000 | – | ₱16,000 | ₱2,240 | – | ₱2,240 | |||||||||
| ₱16,250 – 16,749.99 | ₱16,500 | – | ₱16,500 | ₱2,310 | – | ₱2,310 | |||||||||
| ₱16,750 – 17,249.99 | ₱17,000 | – | ₱17,000 | ₱2,380 | – | ₱2,380 | |||||||||
| ₱17,250 – 17,749.99 | ₱17,500 | – | ₱17,500 | ₱2,450 | – | ₱2,450 | |||||||||
| ₱17,750 – 18,249.99 | ₱18,000 | – | ₱18,000 | ₱2,520 | – | ₱2,520 | |||||||||
| ₱18,250 – 18,749.99 | ₱18,500 | – | ₱18,500 | ₱2,590 | – | ₱2,590 | |||||||||
| ₱18,750 – 19,249.99 | ₱19,000 | – | ₱19,000 | ₱2,660 | – | ₱2,660 | |||||||||
| ₱19,250 – 19,749.99 | ₱19,500 | – | ₱19,500 | ₱2,730 | – | ₱2,730 | |||||||||
| ₱19,750 – 20,249.99 | ₱20,000 | – | ₱20,000 | ₱2,800 | – | ₱2,800 | |||||||||
| ₱20,250 – 20,749.99 | ₱20,000 | ₱500 | ₱20,500 | ₱2,800 | ₱70 | ₱2,870 | |||||||||
| ₱20,750 – 21,249.99 | ₱20,000 | ₱1,000 | ₱21,000 | ₱2,800 | ₱140 | ₱2,940 | |||||||||
| ₱21,250 – 21,749.99 | ₱20,000 | ₱1,500 | ₱21,500 | ₱2,800 | ₱210 | ₱3,010 | |||||||||
| ₱21,750 – 22,249.99 | ₱20,000 | ₱2,000 | ₱22,000 | ₱2,800 | ₱280 | ₱3,080 | |||||||||
| ₱22,250 – 22,749.99 | ₱20,000 | ₱2,500 | ₱22,500 | ₱2,800 | ₱350 | ₱3,150 | |||||||||
| ₱22,750 – 23,249.99 | ₱20,000 | ₱3,000 | ₱23,000 | ₱2,800 | ₱420 | ₱3,220 | |||||||||
| ₱23,250 – 23,749.99 | ₱20,000 | ₱3,500 | ₱23,500 | ₱2,800 | ₱490 | ₱3,290 | |||||||||
| ₱23,750 – 24,249.99 | ₱20,000 | ₱4,000 | ₱24,000 | ₱2,800 | ₱560 | ₱3,360 | |||||||||
| ₱24,250 – 24,749.99 | ₱20,000 | ₱4,500 | ₱24,500 | ₱2,800 | ₱630 | ₱3,430 | |||||||||
| ₱24,750 – 25,249.99 | ₱20,000 | ₱5,000 | ₱25,000 | ₱2,800 | ₱700 | ₱3,500 | |||||||||
| ₱25,250 – 25,749.99 | ₱20,000 | ₱5,500 | ₱25,500 | ₱2,800 | ₱770 | ₱3,570 | |||||||||
| ₱25,750 – 25,249.99 | ₱20,000 | ₱6,000 | ₱26,000 | ₱2,800 | ₱840 | ₱3,640 | |||||||||
| ₱26,250 – 26,749.99 | ₱20,000 | ₱6,500 | ₱26,500 | ₱2,800 | ₱910 | ₱3,710 | |||||||||
| ₱26,750 – 26,249.99 | ₱20,000 | ₱7,000 | ₱27,000 | ₱2,800 | ₱980 | ₱3,780 | |||||||||
| ₱27,250 – 27,749.99 | ₱20,000 | ₱7,500 | ₱27,500 | ₱2,800 | ₱1,050 | ₱3,850 | |||||||||
| ₱27,750 – 27,249.99 | ₱20,000 | ₱8,000 | ₱28,000 | ₱2,800 | ₱1,120 | ₱3,920 | |||||||||
| ₱28,250 – 28,749.99 | ₱20,000 | ₱8,500 | ₱28,500 | ₱2,800 | ₱1,190 | ₱3,990 | |||||||||
| ₱28,750 – 28,249.99 | ₱20,000 | ₱9,000 | ₱29,000 | ₱2,800 | ₱1,260 | ₱4,060 | |||||||||
| ₱29,250 – 29,749.99 | ₱20,000 | ₱9,500 | ₱29,500 | ₱2,800 | ₱1,330 | ₱4,130 | |||||||||
| ₱29,750 – Over | ₱20,000 | ₱10,000 | ₱30,000 | ₱2,800 | ₱1,400 | ₱4,200 | |||||||||
Source: Philippine (SSS) Social Security System – V&N 2024
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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
To be eligible for voluntary membership, the individual must be at least 18 years old and not more than 60 years old.
The individual must also not be an employee, self-employed, or overseas Filipino worker who is required to pay SSS contributions.
For Non-Working Spouse Member
To be eligible as a non-working spouse member individual must be married to a primary SSS member who is paying regular contributions to the SSS.
The individual must not be employed or receive regular income from any other source.
Both voluntary and non-working spouse members are eligible to receive certain benefits from the SSS, such as sickness, disability, death, and 70K SSS Maternity benefits.
However, they are not eligible for retirement, funeral, or separation benefits.
Contribution Rates for Voluntary and Non-Working Spouses
For voluntary and non-working spouses, the monthly contribution rate is 14%. The amount of contributions may vary depending on the individual’s monthly salary credit.
It includes Regular Social Security and the Worker’s Investment and Savings Program (WISP) amount.
- For example, the amount of contribution for voluntary and non-working spouses having a monthly income of PHP 10,000 is PHP 1,400. Similarly, for the voluntary and non-working spouses having a monthly income of PHP 20,000, the monthly contribution is PHP 2,800.
- But if they have a monthly salary credit of PHP 21,000 where Regular Social Security is PHP 20,000 and WISP is PHP 1000, the monthly contribution is PHP 2,940.
For Voluntary and Non-working spouses, the range of compensation to compute the contribution is Below PHP 4,250 to PHP 29,750 and over. The amount of contribution ranges from PHP 560 to PHP 4,200 per month.
Calculate your SSS Contributions for Voluntary and Non-Working Spouse Membership with our SSS Contribution Calculator.
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 families may be eligible to receive a lump sum payment to help cover funeral expenses and other 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?
It is an additional contribution made by a non-working spouse to their retirement account, above and beyond any mandatory contributions made through their working spouse’s plan.
2. Are Voluntary Contributions Tax-Deductible for a Non-Working Spouse?
Yes, voluntary contributions made by a non-working spouse are tax-deductible up to the same limit as contributions made by the working spouse.
3. Can a Non-Working Spouse make Voluntary Contributions to an Employer-Sponsored Retirement Plan?
Yes, a non-working spouse can make voluntary contributions to an employer-sponsored retirement plan, such as a 401(k) or 403(b), as long as the plan allows for spousal contributions.
4. Can Non-Working Spouses Apply for Voluntary Contributions on their Own?
Yes, non-working spouses can apply for voluntary contributions on their own.
5. Can Voluntary Contributors Receive the Same Benefits as Regular Contributors?
Yes, voluntary contributors can receive the same benefits as regular contributors, such as access to healthcare and retirement benefits.
6. How long do Non-Working Spouses need to Contribute before they are Eligible for Benefits?
Non-working spouses may be eligible for benefits from a pension or social security program after contributing for a certain length of time, depending on the program’s rules.
It is important to consult with the relevant authorities or organizations to determine the specific requirements and eligibility criteria.
7. What is a Voluntary and Non-working Spouse Contribution?
A voluntary and non-working spouse contribution is a contribution made to a retirement account by a spouse who is not currently employed or receiving income.
This type of contribution allows the non-working spouse to save for retirement and potentially receive tax benefits.
8. Can a Non-Working Spouse Contribute to a Retirement Account?
A non-working spouse can contribute to a retirement account, such as an IRA if they have earned income or a working spouse who can contribute on their behalf.
9. What is the Maximum Contribution Limit for a Voluntary and Non-working Spouse Contribution?
The maximum contribution limit for a voluntary and non-working spouse contribution varies depending on the type of retirement account and the individual’s income level.
For example, the maximum contribution limit for a traditional IRA is $6,000 per year for individuals under the age of 50 and $7,000 for those over the age of 50.
10. Are there any Tax Benefits for Making a Voluntary and Non-Working Spouse Contribution?
Yes, there may be tax benefits for making a voluntary and non-working spouse contribution, depending on the type of retirement account and the individual’s income level.
For example, contributions to a traditional IRA may be tax-deductible, while contributions to a Roth IRA are made with after-tax dollars but may be tax-free when withdrawn in retirement.
Conclusion
The Social Security System (SSS) is a government-run program that provides social security benefits to eligible members in the Philippines.
Contributions to the SSS are made by both the employee and the employer, with the aim of providing financial protection for members 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.
Ofw here for 5yrs and my last contribution was way back 2019 when I was still working in Dasmarinas. My question is now that I am pregnant, can I still do my contributions and make a claim for MAT2 afterwards..? My total months of contribution is 84 as of the moment.
If your last contribution was made in 2019, you may still qualify for SSS maternity benefits by making the required 3 contributions within 12 months before delivery and filing Forms MAT-1 and MAT-2 on time. The amount will depend on your average MSC and the number of your total contributions.