What to do if an employer fails to pay your SSS and PhilHealth contribution

Government agencies such as SSS and PhilHealth have been a great help to every Filipino in terms of Financial Aid. If you need urgent cash, they are the ones you should go to. But what if you applied for a loan and it got denied? And you found out that your employer didn’t pay your monthly contribution. That’s frustrating, isn’t it? To be prepared in those circumstances, here are the things you should know and what you should do if your employer fails to pay your SSS and PhilHealth contribution.

Is it mandatory for employers to pay their employee’s contributions?

Yes, it is mandatory. All employers are required by the law to ensure their employees are registered with PhilHealth and SSS. They must deduct and remit these contributions from their employees’ salaries to ensure coverage for insurance, loans, and retirement benefits.

Is it illegal if your employer doesn’t pay your monthly contribution?

Definitely, yes. If the employer fails to pay the contribution of their employees, that is considered illegal under Philippine Law.

Failure to pay the SSS contribution of an employer on behalf of their employee falls under Republic Act No. 8282 also known as the Social Security Act of 1997.

Failure to pay the PhilHealth contribution of an employer on behalf of their employee falls under Republic Act No. 11223 also known as the Universal Health Care Act.

Employer’s Penalty if they didn’t comply:

Failure to submit SSS and PhilHealth contributions is punishable by a monetary fine or imprisonment.

Employers who violate the SSS Law will be fined Php 5,000 to Php 20,000 or jailed for at least six years.

What to do if your employer isn’t paying?

  • Know your rights. As an SSS & PhilHealth member, you are protected by the law against the employer’s negligence to pay your contribution.
  • Talk to your Human Resources Department. Sort things out with your employer before reporting to SSS. Your employer should do something and fix the issue.
  • If not, file a complaint with the SSS and PhilHealth. Go to the nearest SSS and PhilHealth branch in your employer’s location. Submit proof of employment and wait for the result of the investigation.

Can I still claim benefits if contributions aren’t paid?

Unfortunately, no. You are ineligible for insurance, loans, and retirement benefits if your contribution is unpaid.

Who will be responsible for the unpaid contribution?

Normally, the employer is responsible for remitting the contributions monthly.

As a final point, it’s crucial for every employee to regularly check their SSS and PhilHealth contributions are updated. If you find out that your employer is not remitting your contributions, take action right away.

Steps On How To Check And View Your SSS Contribution Online