The Social Security System (SSS) is an important benefit for Household Employers or kasambahay (household helpers) in the Philippines. With SSS contributions, kasambahay can avail of benefits like salary loans, sickness, maternity, disability, funeral, and retirement pensions.
This article will provide a guide on SSS contributions for kasambahay in 2023.
Why SSS Contributions are Important for Kasambahay?
Contributing to SSS provides several advantages for kasambahay. It allows them to save for the future and have a safety net in case of unemployment, sickness, accidents, and old age.
With an SSS membership, kasambahay is entitled to benefits like:
- Salary loans – Up to 2 months salary loan payable in 2 years
- Sickness benefits – Up to 120 days’ worth of daily cash allowance
- Maternity benefits – 2-week paid leave; up to 2 C-sections
- Disability benefits – Pension for permanent total/partial disability
- Retirement benefits – Lifetime monthly pension upon reaching age 60
- Death benefits – Up to 20K funeral benefit; survivorship pensions
As low-income workers, SSS contributions serve as a form of forced savings and social security for kasambahay.
Instead of spending their hard-earned money, part of their salary goes to SSS for future needs.
SSS Contribution Table for Household Employers and Kasambahays (Latest Rates)
Here is the table of monthly SSS contribution rates for Household Employers and Kasambahays:
As we can see, total contributions range from Php 150 to Php 4230 depending on the kasambahay’s monthly salary. Employers shoulder a bigger portion to ease the burden for kasambahay.
- SSS Contribution Table for OFW
- SSS Contribution Table for Voluntary and Non-Working Spouses
- SSS Contribution Table For Self-Employed
- SSS Contribution Table for Employees and Employers
- New SSS Contribution Table
Steps to Pay SSS Contributions for Kasambahay
As an employer of kasambahay, here are the steps to pay their monthly SSS contributions:
- Register your kasambahay – Visit any SSS branch and fill out the SSS Form R-1 to register as an SSS member. Present their ID.
- Get the SSS schedule – SSS contributions follow a table of schedules per month. Get the schedule at the SSS website or branches.
- Deduct contributions – From your kasambahay’s salary, deduct the amount for their contribution based on the rates above.
- Pay contributions – Within the scheduled month, pay the contributions over-the-counter at SSS branches or via online channels (mobile app, online banking, payment centers).
- File remittance – File the remittance detail online or through My.SSS portal. Keep the official receipt.
Common Concerns of Household Employers and Kasambahay
To summarize, here are quick answers to some common concerns:
- Multiple kasambahay – Required to register each one; compute contributions individually.
- Part-time kasambahay – still required to register and pay a minimum of 150 pesos monthly.
- New kasambahay – Register and pay contributions in their first month of work.
- Resigned kasambahay – File formal separation request. No need to pay contributions starting next month.
- Monthly payments – Must pay on or before the scheduled deadline per month.
- Penalties – Fines for late/non-payment. Visit SSS to settle any arrears.
How to Compute and Pay SSS Contributions for Household Employers and Kasambahays
Here is a quick guide to computing SSS contributions for your kasambahay:
- Identify your Kasambahay’s monthly salary credit bracket.
- Get the corresponding kasambahay percentage share for that salary credit level.
- Compute the kasambahay’s monthly share based on their salary credit.
- Compute your monthly employer share, which is 3.63% of Kasambahay’s salary credit.
- Add the kasambahay share and employer share amounts. The total is the monthly SSS contribution to be paid.
Paying SSS contributions can be done through various options:
- Online through My.SSS portal, SSS mobile app, over-the-counter payments, and SSS partner payment centers.
- In Person at any SSS branch. Just present your SSS payment slip with the details filled in.
- Salary Deduction – You can opt to deduct your kasambahay’s share directly from their monthly salary.
Be sure to pay SSS contributions on time before the 10th of each month. Late payments will mean penalties and interest charges.
Common Employer Questions About SSS Contributions for Household Employers and Kasambahay
Here are some quick answers to frequently asked questions from employers about SSS contributions for Household Employers and Kasambahay:
What if I have multiple kasambahays?
You will need to register each one separately and pay contributions monthly for each.
Can I share the employer share with my kasambahay?
No, the employer share cannot be passed on to the kasambahay. You are obligated to pay your portion based on their salary.
Is the salary credit based on basic pay only?
No, the salary credit includes basic pay + cash allowances + the actual value of fringe benefits.
SSS coverage provides long-term social security for kasambahay. By paying monthly contributions, they can have peace of mind and avail of benefits in times of need.
As employers, let us ensure proper registration, timely payment, and remittance filing for our household helpers. Their SSS membership will give them a safety net for the future.
A few simple steps can go a long way in empowering your kasambahay to build social security and avail of benefits when they need it most.
Here are some key takeaways:
- Check the new SSS monthly contribution rates and tables for Household Employers and Kasambahay in 2023
- Register your kasambahay with the SSS using the right forms
- Compute monthly contributions properly based on salary credits
- Remit contributions on time before the 10th of every month
- Provide your kasambahay with access to social security and peace of mind
By staying compliant as an employer, you help pave the way for your kasambahay’s brighter future.