SSS Non-Working Spouse Coverage

SSS helps us in many ways. They offer different kinds of benefits. It can be a salary loan, sickness benefit, maternity benefit, disability benefit, and many more. As long as you’re an active member, you will be able to take advantage of the benefits they offer. Another good thing about being an SSS member is that you can also take advantage of the SSS Non-Working Spouse Coverage.

What is a Non-Working Spouse Coverage?

Non-working spouse is the legal wife or husband of an active member. Regardless if you’re employed, self-employed, a voluntary member, or an OFW as long as you pay SSS contribution regularly, your partner will be eligible to be part of Non-Working Spouse Coverage.

If you wanted to know more about the Non-Working Spouse coverage, this might help you.

What is the difference between Non-Working Spouse and a Regular member contribution?

The difference between a Non-working spouse and a regular member is the amount of their  Monthly Salary Credit o MSC. Their MSC and the amount of their monthly contribution will be based on their legal partner’s monthly salary. It will be 50%. For example, if a SSS member is earning Php 20,000 a month that means he/she needs to pay Php Php 2,400 monthly contribution and if he/she has a Non-working spouse, the spouse needs to pay half of Php 2,400 which is Php 1,200 monthly.

What are the benefits they can get from SSS?

  • Unemployment Benefit
  • Sickness Benefit
  • Maternity Benefit
  • Disability Benefit
  • Retirement Benefit
  • Death Benefit
  • Funeral Benefits  

What are the duties and responsibilities of a member?

  • Pay monthly contributions using Contributions Payment Return (SS Form RS-5) monthly or quarterly. Must be ion time with the prescribed schedule
  • Make sure their personal records are updated and correct
  • Be mindful of the changes and improvement from SSS policies

How to Register?

A non-working spouse needs to accomplish and submit Non-Working Spouse Record (SS Form NW-1). It must be signed by the working spouse associated with the marriage certificate. If there’s no existing SS number, he/she should submit SS Form NW-1 associated with the original copy of any primary or any one (1) of the secondary documents acceptable in securing SS number.

As a final point, if you’re have a SSS member spouse and you haven’t registered as a SSS Non-Working Spouse yet, register now. So you can take advantage of all the benefits they offer. For more information, you may contact SSS using this hotline: (02) 8920 6446

Tips To Prevent Delays When Claiming SSS Benefits
What To Know And How To Get SSS Unemployment Benefits
SSS Sickness Benefit Guide


  1. Tanong kulang po bakit wala pa po akong natang gap sa akong sickness benefits po sa aming company 😔

  2. Good day Po Tanong ko lang Po about sa SSS ng aking asawa nag resign na Po kasi Siya sa work .dahil Po last November 2021 ay na mild stroke
    19years na Po ang knyang SSS contribution.ask ko lang Po dapat pa Po bang ituloy ang knyang monthly cont.
    Siya po ngayon ay 56y/o wala na Po siyang work.thank you
    God bless Po

  3. Ako po nawalan ng trabaho simula po nong augost 1 sa kadahilanan na natangal ang agency namin sa hospital na aming pinapasokan paano po kami makka hingi ng tulong financial sa nawalan ng trabaho at paano po ba ifile ng kaso sa sss ang aming agency na pinang galingan

  4. Sakali bang mawala si pwd pensioner,maitutuloy ba ang reg.pension duon sa wife ni pwd?sana maliwanagan..

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