Is it OK not to pay SSS

To SSS or Not to SSS: Weighing the Pros and Cons of Contribution

The Social Security System (SSS) plays a significant role in Filipino workers’ lives. It offers a safety net through retirement benefits, disability benefits, and sickness benefits. But with any financial decision, there are pros and cons to consider. Here’s a breakdown to help you decide if SSS contributions are right for you.

Benefits of SSS Contributions:

  • Retirement Security: Regular contributions translate to a potential monthly pension after retirement, providing financial support in your golden years.
  • Disability and Sickness Benefits: In case of illness, injury, or disability, SSS benefits offer financial assistance during challenging times.
  • Loan Programs: SSS members have access to various loan programs for emergencies, housing, or even business ventures.

Potential Drawbacks of Not Paying SSS:

  • Forfeited Benefits: If you don’t contribute, you lose eligibility for SSS benefits like retirement pensions, disability benefits, and sickness benefits.
  • Limited Access to Loans: Without SSS membership, you won’t be able to avail of SSS loan programs that can be helpful during financial difficulties.
  • Peace of Mind: Knowing you have a social security safety net can provide peace of mind and a sense of security for your future.

Are There Exceptions?

  • Self-Employed or Voluntary: If you’re self-employed or opt for voluntary contributions, you have more flexibility in your contribution schedule. However, the benefits you receive will be based on your contribution amount.
  • Already Covered by Another Program: If you’re already covered by a government pension program (e.g., GSIS for government employees), you may not be required to contribute to SSS. However, it’s always good to check with SSS for specific guidelines in your situation.

Making an Informed Decision:

The choice of contributing to SSS is ultimately a personal one. Here are some factors to consider:

  • Employment Status: Are you a formal employee, self-employed, or working abroad?
  • Retirement Plans: Do you have alternative retirement plans in place?
  • Financial Goals: What are your long-term financial goals and how can SSS contributions fit into your plan?



While there may be some drawbacks to contributing to SSS, the potential benefits of retirement security, disability and sickness support, and access to loan programs make it a valuable social security program for most Filipino workers. Weigh the pros and cons carefully, considering your individual circumstances, to make an informed decision about your SSS contributions.