Yes, you can become an sss member even though you are unemployed. SSS will still give you a personal social security number even if you do not have a regular corporate job. If you are jobless, your membership type will fall under the voluntary category.
Those who are self-employed, unemployed, and non-working spouse can become an sss member under this category. Once you become a member, you need to pay your contribution with sss periodically. You can choose to pay it monthly, quarterly, semi-annually, or annually.
Depending on your Monthly Salary Credit (MS), the minimum monthly contribution that you can pay is PHP 390.00, while the maximum contribution is PHP 3250.00. You can check your my.sss account online to see the other monthly contribution amount that you can remit to sss.
When selecting the latter, you have to choose the peso value that is applicable to you and which you can remit consistently. You also have the option to increase your monthly contribution if you think you are more capable of paying a higher rate than what you are used to paying.
Paying a higher contribution rate has some benefits. The first is receiving a higher monthly pension during your retirement years. The second is receiving a higher lumpsum (one-time) payment equivalent to the total of all your contributions. This is assuming you did not complete the 120 monthly contribution requirements resulting in not qualifying for a monthly pension.
Do you want to become an sss member even though you do not have a regular job? You can do so by applying online. You can start your application process by visiting the sss website which is https://www.sss.gov.ph.
At the bottom middle of the homepage, you will see the “Apply for an SS Number Online” link. Afterward, follow the instruction that the website request you to follow. Review the details that you have input then generate your ss number.
Read also: SSS Application Guide for Online Account
Once done, prepare the hard copy of your details and all the supporting documents. Then proceed to the sss branch to submit all of your documents. Just a reminder, your membership status is “Temporary” if you will not submit your documents. Your registration will become “Permanent” once you are able to submit all your documents to SSS.