Saturday, April 21, 2012

Service: SSS: Changing from Employed to Self-Employed/Voluntary Members

If you're regularly employed -- that is, you are employed by a company, an organization or an institution -- paying your monthly SSS contributions is the least of your worries because they are automatically deducted from your salary. But if you're no longer employed but are still earning an income, you can continue your SSS membership, update your contributions and enjoy the benefits by being either a self-employed or a voluntary SSS member.



Formerly employed members are often confused which type of membership to change to. So let me try to differentiate the two. By SSS definition, a self-employed member is:

A self-employed person, regardless of trade, business or occupation, with an income of at least P1,000 a month and not over 60 years old... Included, but not limited to are the following self-employed persons.
a. self-employed professionals;
b. business partners, single proprietors and board directors;
c. actors, actresses, directors, scriptwriters and news reporters who are not under an employer-employee relationship;
d. professional athletes, coaches, trainers and jockeys;
e. farmers and fisherfolks; and
f. workers in the informal sector such as cigarette vendors, watch-your-car boys, hospitality girls, among others.

It seems that anybody who is earning can fit into the criteria. However, when I asked a local SSS branch, they said that if not a self-employed professional (like the ones mentioned above), a member must at least have a small business as source of their income in order to qualify as a self-employed SSS member. And when I asked which type of membership should I be if I'm no longer employed, not a professional, don't have a business but still wants to continue my contributions, they replied voluntary membership.

In order to become a voluntary SSS member, all you need to do is to pay your contributions using the SSS Form RS-5. No need to update your membership status as it will be automatically changed to voluntary once your payment is reflected.

If you prefer to be a self-employed SSS member, you have to change your membership status by accomplishing the SSS Form RS-1 and submitting the required documents (any of the following: authenticated birth certificate, driver's license, passport, click here for the complete list).

Another difference: as self-employed member, your monthly contribution will be determined by the monthly income declared during your change of membership status while as a voluntary member, you can choose your monthly contributions based on the amount that you're comfortable paying.

Once you've decided which membership to update to, there are still a few things that you need to take note of to make the transition from employed to self-employed/voluntary member easier.



First, register for an online account on the SSS website. This is really helpful in keeping track of your contributions and other notifications regarding your membership (loan eligibility and status, benefit eligibility and claim status, etc). Actually, all members can benefit from having an online SSS account.

Second, know the deadline of payment for your SSS contribution. Because you will be updating your contributions manually -- meaning, you will have to pay directly to a local SSS branch or to any accredited payment centers, you have to know the deadline for paying your contributions to ensure that you pay on time. SSS penalizes late payments and does not allow retroactive contributions.

SSS has released a new payment deadline schedule based on the last digit of member's SSS number. For SSS number ending in:
  • 1 and 2 - every 10th day following the applicable month or the month you're paying for
  • 3 and 4 - every 15th day
  • 5 and 6 - every 20th day
  • 7 and 8 - every 25th day
  • 9 and 0 - every last day
For example, my SSS number ends in 4, and I'm going to pay my contribution for the month of April, my deadline will fall on May 15.

Likewise, you have an option to pay your contributions on a quarterly basis. Quarterly payments refer to contributions for three consecutive months ending in March, June, September and December.

Again, using myself as an example, if I'm going to pay my contributions for the 2nd quarter (April, May and June) and my SSS number ends in 4, my deadline is on July 15.

Third, locate the SSS branch or accredited payment centers most accessible to your house or office or place of work. Remember that SSS is open during weekdays only and like most government agencies, usually have long queues so make sure that you can spare at least half a day (a weekday, that is) each month or quarter to update your contributions.

Thankfully, you can now pay your SSS contributions at selected SM Malls. I did this just last week and this is so hassle-free because there are no queues and you can pay during the weekends.

Fourth, keep tabs of all SSS contact information such as email, hotlines, Facebook account. Why? Because chances are, you will have inquiries regarding your membership at some point. Self-employed and voluntary members don't have the benefit of having HR officers, who can answer questions and usually take care of anything SSS related, unlike employed members. So keeping these contact info will come in handy when you need them.

NOTE: Please note that there's a lot of unanswered questions in the comments section below. I am in no way affiliated with SSS so I am not qualified to answer all queries pertaining to your account. The information I shared in this post is based on my experience and knowledge as a voluntary paying member of SSS. If you need more information or if you have a particular question that wasn't discussed in the post, the best way is to contact SSS directly. You can go to your nearest SSS branch, or leave a message on their Facebook page: https://www.facebook.com/sssonlineinquirysystem, or you can also shoot them an email at SSS Member Relations <member_relations@sss.gov.ph> (yes, they do reply to emails but it might take a while).

91 comments:

  1. thanks for posting this. :)

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  2. What are the requirements for changing to voluntary membership?

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    Replies
    1. all you need to do is to pay your contributions using the SSS Form RS-5. No need to update your membership status,it will be automatically changed to voluntary once your payment is reflected...NO REQUIREMENTS...

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    2. all you need to do is to pay your contributions using the SSS Form RS-5. No need to update your membership status,it will be automatically changed to voluntary once your payment is reflected...NO REQUIREMENTS...

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    3. may i know if how much the payment for voluntary??monthly conribution??thanks

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    4. basa basa din pag may time

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    5. ntawa nmn ako... tma nga nmn nkasulat nmn malinaw sa taas

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    6. puwede po ba maghulog ang student monthly ,pero meron na siya no#

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    7. ano pang kailangan ko bukod sa mat2 pag voluntary members na pero kaka change ko pa lng dati kase sa status ko employed??

      wla bang magiging problema kung lumagpas ng hulog ng isang buwan ...?

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  3. I can't remember any. I think you just need your SSS ID or E-1 form if you don't have an ID yet.

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  4. Oh wow, what an informative and comprehensive post. Good job, Sheng =)

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  5. how about changing from self-employed to employed?

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    Replies
    1. Sorry, I don't know the process.

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    2. I think u need to get e-1 form.

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  6. thanks a lot, it has helped me....

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  7. I haven't tried paying sss contribution and haven't changed into a voluntary member. If i register online, what status will i be choosing? Employed or Voluntary member already? Thanks.

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    Replies
    1. Voluntary I guess. I don't your registration data will affect your SSS data. But then again, I'm not sure. Pero once nagbayad ka naman using the RS-5, magiging voluntary na status mo.

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  8. Thank you!!! Really helpful for me. :)

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  9. gud am, what if you have loan balance,from employed to voluntary

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    Replies
    1. Not sure po ako re: loan balance. But I believe your account will retain it and you still have to pay for it. I know a few people na di na inintindi yung mga loans nile when they resigned from work, kaya ayun patong-patong na interest.

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    2. hi ask lang ako how much should i pay every month for self employed?

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    3. It depends on ur declaration of your income

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    4. U can pay ur ss Loan bal just fill up ml-1 form at mgbyad

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  10. Last digit of my SS# is 2, what if the 10th day of the month falls on a weekend?

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    Replies
    1. Parang may nabasa akong post sa SSS branch na pinupuntahan ko, if the deadline falls on a weekend, automatic Monday na yung deadline mo. But I'm not sure. Better to pay on the Friday before your deadline para sure.

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  11. how do i update my employer sss # in the website. i just inputted the old sss id of my prev employer and now i cant see the cont of my new employer becuase it is registering to the old one?

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    Replies
    1. I don't know. I'm not sure if you should be the one updating your employer's SSS number to begin with. Hehe.

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  12. i am a member of SSS before, my contribution stop more or less ten years ago kasi po lumipat ako sa goverment service.how can i continue paying my contribution? And paano ko po malalaman kung magkano dapat ko ibayad?

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    1. For voluntary, I think you can choose how much your contributions will be. When my husband ask how much he should pay, he was advised to pay the same amount or increase the amount of his previous contributions. He was discouraged from paying an amount lower than what he was paying before.

      For self-employed, it will be based on your declared income.

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  13. will my membership type be changed to voluntary too if i pay online via metrobank direct? baka lang you have an idea. :)

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    Replies
    1. Sorry po, no idea. Pwede na pala magbayad through metrobank direct? I'll research more about it.

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  14. will there be a problem if im using the RS-5 form when paying contributions for my husband. His status is self-employed. it's because im using same forms when paying my contributions as voluntary member.

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    Replies
    1. Not sure po. Di ko alam if same lang payment form for Voluntary and Self-employed. Pero sa RS-5 form, parang meron dung checkboxes where you can choose if you're Self-employed or Voluntary. So baka same lang sila. Check ko pag nagbayad kami next month.

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    2. Rs-5 same form wen paying for voluntary and. Self employed

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  15. Thanks for this post! very informative!

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  16. This comment has been removed by the author.

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  17. hi , ask ko lng my new employer po ako im working
    as a child caregiver and she wants me na asikasohin ko sss ko under her employment direct hire po me sa kanya and wala syang time para pumunta sa sss po ,anu pong gagawin ko para mag hulog sa sss ko
    to my new job as a caregiver .
    tnx

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    Replies
    1. Ask ur employer anu ang employer no. Nya..fill up R1-a form pa sign mo s employer mo at iprcv sa ss ofc.fill up din xa ng signature card.. pra mgbyad nmn R-5 form ang gmitin at gwa ka ng report using R3 form for household or by using USB (r3gen)

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  18. paano po malalaman ang amount na dapat i contribute monthly pag voluntary member? first time lang po kasi..

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    Replies
    1. It depends on u kng mgkano ang kya mong byran monthly as stated above

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  19. paano po po malalaman ang amount ng monthly contribution kapag voluntary member? first time lang po kasi...

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  20. I've been paying as voluntary member for quite some time now, what do i do if i want to lower my contribution (so i can afford to continue my contribution)?

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    Replies
    1. At the left corner of rs-5 form my nkalagay jan instruction just read

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  21. ask lng po magkano po ba ang monthly contribution ng self-employed? kase last year po ng august nastop yung pagbayad ko sa sss kase nwalan n ako ng trabaho.. saka makka avail pa po ba ako ng maternity loan ? salamat po

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    Replies
    1. Regarding s Maternity mo my instruction above.employed member kna dti dpat voluntary member piliin mo not self employed just fill up rs-5 and. Pay as stated above

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  22. Hello po commenters, I think it's better if you go to your nearest SSS branch for your inquiries. I am not affiliated with SSS and often, I don't know the answers to your questions. The information I shared were only based from my own experience. Thank you.

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  23. Heloo po ano po bang kailangan gawin kasi dati nag work po ako last 2008 na stop po yun until now eh balak ko po mag voluntary ngayun para maipag patuloy ko ang bayad sa bangko may kailngan pa ba ko gawin sa sss branch bago ko mai continu
    e ang payments ko tnx

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    Replies
    1. Wla kna dpat gwin kundi mgbyad NA LG using rs-5 form as stated above ..

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    2. Hi, what if nagbayad ako as voluntary member sa bayad center without that rs-5 form.. from employed to voluntary

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  24. ask ko lng po my E-1 number na po kasi ako sa sss kaso hindi ko nahulogan.ngayon po gusto ko sana gawin nlang ng voluntary member paano po ba?salamat po




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    Replies
    1. ganyan din ako.. pa-advise naman po.. your reply would be much appreciated po.. thank you..

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    2. i already have my sss number gusto ko sana mag-apply ng voluntary, this would be my first time panu po kaya? thanks

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  25. Nd ka pwd mgvoluntary kc nvr kpa nhulugan ng contribution as employed..dapat self employed member ka but I'm not sure kng mg fill up ka ng rs-1 form

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  26. Hi! I want to sign up to their website, I don't have a job now but I want to be a voluntary member. I have no work for 1 year and the system is asking me to choose what membership I have with SSS, what should I choose?

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  27. hi.. ask ko lang san po makakakuha ng rs-5 form? meron kaya nyan sa mga bayad center? or sa mismong sss office ako pupunta pra kumuha at isubmit? thank you

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  28. hi ask ko lang if ung form ba rs5 ang direct na ibabayad sa bangko?bpi un bank.receipt na ba un? ksi frst tym ko lng na gwn un, at saka ano ba ggwn dun sa applicable period?last june 2011 pa ksi ung last n pyment ng mother k,bale sya un employer ko ksi.thanks!
    pls rep...

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  29. ask ko din if wla me work now pero gusto ko mghulog at ituloy ung pghuhulog ko sa sss as voluntary .need ko pba pumunta ng sss para mgchange ng status ? at panu ung pagbbyad sa bank like bpi, rs5 lng ba ang ippkita dun sa counter? at pnu po pla fill up-an ung applicable period ? salamt ng marmi

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  30. pano po ga2win q if my previous employer pay my SSS contribution and at the same time my current employer also pay my SSS contribution this March 2013 athen nong chineck q ung SSS online ang pumasok n contribution q dun po sa last employer amounting 156.00 then nabawasan aq ng current employer q ngaun probably 350 po..pano po ga2win q? please help me..

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  31. THANKS FOR POSTING & SHARING YOUR KNOWDLEDGE.MORE POWER!!GOD BLESS....

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  32. hi po ask ko lang ,mgkano pi ba ang quarterly or monthly pay if I'm a voluntary member?. thanks.

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  33. Hi, I'm a full-time stay-at-home mom. I'd like to start paying for my own SSS contributions, and your blog has been one of the most informative ones I've come across with. I do have one question though, the SSN format is: XX-XXXXXXX-X. The very last digit after the hyphen / dash will be the last number I will base from, am I correct? I'm really unsure which it is. Will look forward to your response/

    Frances

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  34. Hello can i ask the other way around? how can i change member status from being voluntary member to employed? I was previously an employed member.

    Hoping for a quick reply. Thanks

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  35. Hi! I want to apply for voluntary SSS contribution. In order for me to be qualified for monthly pension when I reach the age of 60, I should have paid 120 monthly premium. Now, is it possible to pay the whole amount for the 120-month sss premium one time instead of paying it monthly? How much? I am now 43 year old.

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  36. Thanks so much, this has been so helpful

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  37. helo can i ask what im going to do first when im getting my new sss id ,and whats the requirements to be prepared,thanks a lot for giving the attention of this matter.....

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  38. good day..ask ko lang po if you have idea on how to increase ang monthly contribution?any procedure to follow?

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  39. im first time payer, how much the contribution of self employed? hope to hear reply thanks...

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  40. gud day po..ask ko lang po same amount din po ba ang babayaran,,kapag ng self or voluntary ak dun sa contribution ko nung employeed pa ako,

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  41. Hi, is there a penalty when I pay after the quarterly deadline if I'm a voluntary member? Thanks

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  42. Gud day po dati po kc employed member po aq pwo I'm nt sure if nahulugan po un ng employer q ngaun gusto qng eh pa2luy un wat shud I do?do I have to use nlng agad r.s5 form agad we're in d pa naman aq sure f nahulugan bA un as employed or self employed form gawin q

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  43. Hi. Am a new SSS member. 1st time to pay. No permanent work. Sideline lang. Voluntary, I guess, is appropriate for me.
    Can I register for the 1st time as voluntary member ? Can I pay for the 1st time as voluntary ? Someone told me that if I choose or register as self-employed, SSS will ask for a permit (business or prof permit I guess) which I don't have. What should I do ? Appreciate your advice. Thank you.

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  44. Wat if po
    Hindi pa po ako nkaregister sa sss
    As in 1st time po..
    And then hindi po ako ngwowork?
    Pwede po ba yun

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  45. gud day po..ask q lng po parehas lng po ba ang self employed at voluntary..?

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  46. matagal na po ako wla sa company.nagka work din pero freelance at per contract lng.since nwla ako sa company di nko nkapg contribute..pano po i-activate ulit na ggawin ko nlg na voluntary?dati caompany nagrremit nun at mtgal na di ako nagccontribute.no po ggawin ko?reply,thanks!

    Jonah

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  47. hi pahelp naman po ..., how can i change my SSS status from Self-Employed to Voluntary? Tska ano po requirements kailangan....? Salamat...

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  48. gud day po...ask q lng po kng papaanu q e continue ung payment q sa SSS.isang beses pa lng aq ngbayad tapos po halos 1yr q ng d nabyaran.pa helpan po.plzz.tnx po

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    Replies
    1. like other said mag bayad ka lang using ung RS-5 pwede kang magbayad quarterly of monthly, but di mna pwedeng balikan ung mga months na lumampas na, pwede mong mabayaran pa sa ngayon eh ung OCtober to December 2013...

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  49. Really useful information! thank you for sharing this

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  50. Is there a specific difference between a self employed and voluntary member? Like are the amount of payment the same? and are the benefits the same?

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    Replies
    1. yes still the same.. no difference... same contribution same benefits... but still it's up to the member if he/she wants much higher benefits, he/she needs to pay much higher contributions.

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  51. Hi...im a tutor who has no regular basis income...i want to be a voluntary member in sss..what are the requirements and am i qualified to get...

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  52. Hi! Voluntary member po ako. Gusto lang po sanang taasan ang contribution ko. May bukod pa bang form na dapat -fill-up at i-submit? or direct nalang taasan ko na ang isulat doon sa payment form?

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  53. Hi! Voluntary member po ako. Gusto lang po sanang taasan ang contribution ko. May bukod pa bang form na dapat -fill-up at i-submit? or direct nalang taasan ko na ang isulat doon sa payment form?

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  54. Hello , meron Lang po akong gustong itanung . I'm 21yrs old , 3yrs na po akong my SSS , pero wala pa kong SSS iD ang meron Lng aq E-1 , 6months ko Lng syang nahulugan since nung nagwwork ako . After dat ndi na ko naka paghulog kase pumunta ko ng Korea. Ngayon kakauwi ko Lng , gusto ko sana ipagpatuloy ang paghuhulog ko sa SSS . Anu po ba ang dapat ? Kse mag change aq , voluntary po ba or self-employed ? Saka anu po ang kailangan para makakuha ako ng SSS ID ? Pls responce .

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  55. Hello Sir / Ma'am .... question po.... may E1 form na po ako at mataga ko na po hindi naasikaso for SSS I.D. and some of eh tanung po hindi ba nagiging invalid yung number ng E1 mo or nawawala?.... eh gusto ko po mag pa SSS I.D. then volunteer lang po ako minsan band player po or tumutulong lang... ano po ba reqirements para sa pag papa SSS I.D.? then may E1 ako nung check ko number online...invalid....meaning po ba hindi pa activated and kailangan ng hulugan para mactivate ito.... tpos magkano po ba ang minimum per month pag volunteer ka lang po....salamat.... From Jun

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  56. ask lo lang po maatagal ko na po wala hulog ss ko pina check ko po 1 hulog palang dati ng pinagtatrabahunan ko ang alam ko po hinuhulugan nila for 2 years.gusto ko po continue voluntary magkano po ba dapat ko ibayad plain housewife po ko.

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  57. goodday po ask ko lang po puwede po ba mag voluntary monthly ang student .kumuha po anak ko ng ss para sa requirement .pero hindi po natuloy ang job niya

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  58. Hi! up to what age pwede qualify mag continue hulog sa SSS. Im 54 years old. Someone said na di na ako qualify mag continue ng hulog ? is it true? by the way nakahulog na rin ako ng 15 years just want to continue paying. sobrang liit kc ng premium ko noon.

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  59. hi ok paba magpa member kahit 55 yrs old na?

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  60. Hi, thank you for posting this, this was more helpful than the SSS website. You have a natural gift for making things simple and east to understand. We need more people like you. thank you again!

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  61. hi I registered my sss online but i can't remember my user ID and password and i also forgot the email address I've used. I tried calling sss hotline but no answer.

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