SSS Contribution Table OFW Philippines 2026
Complete SSS contribution table OFW Philippines 2026 — land-based and sea-based OFW monthly contributions with minimum MSC ₱8,000.
Last updated: January 2026 · sss.gov.ph · SSS Circular 2024-006 · RA 11199 · Effective January 2025
Land-Based vs Sea-Based OFW — Key Difference
OFW contributions differ depending on whether you are land-based or sea-based. Land-based OFWs work abroad without an employer enrolled in SSS — they pay the full 15% contribution themselves, just like self-employed members. Sea-based OFWs (seafarers) work for a manning agency or shipping company — their employer pays 8.5% and they pay only 4.5%, similar to regular employed members.
The minimum MSC for all OFWs is ₱8,000 — higher than the ₱5,000 minimum for regular employees and self-employed members. This higher floor reflects the typically higher earnings of overseas workers and ensures stronger benefit protection. If your actual monthly income abroad is lower than ₱8,000, you still pay based on the ₱8,000 minimum MSC.
2026 Key Rates — OFW
Land-based: Member pays full 15% · Min MSC ₱8,000 · No employer · No EC
Sea-based: Member 4.5% + Employer 8.5% · Min MSC ₱8,000 · EC applies
Max MSC: ₱35,000 for all OFWs
Land-Based OFW Contribution Table 2026
Member pays full 15% · No employer share · No EC contribution · Min MSC ₱8,000
| Monthly Income | MSC | Monthly Contribution (15%) |
|---|---|---|
| Below ₱8,250 (minimum) | ₱8,000 | ₱1,200.00 |
| ₱8,250 – ₱8,749.99 | ₱8,500 | ₱1,275.00 |
| ₱8,750 – ₱9,249.99 | ₱9,000 | ₱1,350.00 |
| ₱9,250 – ₱9,749.99 | ₱9,500 | ₱1,425.00 |
| ₱9,750 – ₱10,249.99 | ₱10,000 | ₱1,500.00 |
| ₱10,250 – ₱10,749.99 | ₱10,500 | ₱1,575.00 |
| ₱10,750 – ₱11,249.99 | ₱11,000 | ₱1,650.00 |
| ₱11,250 – ₱11,749.99 | ₱11,500 | ₱1,725.00 |
| ₱11,750 – ₱12,249.99 | ₱12,000 | ₱1,800.00 |
| ₱12,250 – ₱12,749.99 | ₱12,500 | ₱1,875.00 |
| ₱12,750 – ₱13,249.99 | ₱13,000 | ₱1,950.00 |
| ₱13,250 – ₱13,749.99 | ₱13,500 | ₱2,025.00 |
| ₱13,750 – ₱14,249.99 | ₱14,000 | ₱2,100.00 |
| ₱14,250 – ₱14,749.99 | ₱14,500 | ₱2,175.00 |
| ₱14,750 – ₱15,249.99 | ₱15,000 | ₱2,250.00 |
| ₱15,250 – ₱15,749.99 | ₱15,500 | ₱2,325.00 |
| ₱15,750 – ₱16,249.99 | ₱16,000 | ₱2,400.00 |
| ₱16,250 – ₱16,749.99 | ₱16,500 | ₱2,475.00 |
| ₱16,750 – ₱17,249.99 | ₱17,000 | ₱2,550.00 |
| ₱17,250 – ₱17,749.99 | ₱17,500 | ₱2,625.00 |
| ₱17,750 – ₱18,249.99 | ₱18,000 | ₱2,700.00 |
| ₱18,250 – ₱18,749.99 | ₱18,500 | ₱2,775.00 |
| ₱18,750 – ₱19,249.99 | ₱19,000 | ₱2,850.00 |
| ₱19,250 – ₱19,749.99 | ₱19,500 | ₱2,925.00 |
| ₱19,750 – ₱20,249.99 | ₱20,000 | ₱3,000.00 |
| ₱20,250 – ₱20,749.99 | ₱20,500 | ₱3,075.00 |
| ₱20,750 – ₱24,749.99 | ₱21,000–₱24,500 | ₱3,150–₱3,675 |
| ₱24,750 – ₱29,749.99 | ₱25,000–₱29,500 | ₱3,750–₱4,425 |
| ₱29,750 – ₱34,749.99 | ₱30,000–₱34,500 | ₱4,500–₱5,175 |
| ₱34,750 and above | ₱35,000 | ₱5,250.00 |
📌 Green rows = MSC above ₱20,000 — portion above ₱20,000 goes to MPF (MySSS Pension Booster). No EC for land-based OFWs.
Sea-Based OFW Contribution Table 2026
Seafarers: Member pays 4.5% · Employer (manning agency) pays 8.5% + EC · Min MSC ₱8,000
| MSC | Seafarer (4.5%) | Employer (8.5%+EC) | Total (15%) |
|---|---|---|---|
| ₱8,000 (minimum) | ₱360.00 | ₱710.00 | ₱1,070.00 |
| ₱10,000 | ₱450.00 | ₱880.00 | ₱1,330.00 |
| ₱15,000 | ₱675.00 | ₱1,305.00 | ₱1,980.00 |
| ₱20,000 | ₱900.00 | ₱1,730.00 | ₱2,630.00 |
| ₱25,000 | ₱1,125.00 | ₱2,155.00 | ₱3,280.00 |
| ₱30,000 | ₱1,350.00 | ₱2,580.00 | ₱3,930.00 |
| ₱35,000 (maximum) | ₱1,575.00 | ₱3,005.00 | ₱4,580.00 |
📌 Sea-based EC: ₱30 for MSC ₱15,000 and above · ₱10 for MSC below ₱15,000. Employer column includes EC.
What OFWs Need to Know About SSS Coverage
SSS coverage is mandatory for all Overseas Filipino Workers — both land-based and sea-based. The law requires OFWs to be covered regardless of the country they work in or the nature of their employment contract. Coverage ensures you can access the same benefits as locally employed members — retirement pension, disability benefits, sickness allowance, maternity benefits, and salary loans — all available even while you’re abroad.
One of the most practical advantages for land-based OFWs is the ability to pay contributions in advance for any number of months or even years. If you’re about to leave for a two-year contract, you can pay two years of contributions upfront before departure and not worry about it while you’re abroad. Your MSC is based on your declared monthly income at the time of registration — you can update this declaration if your income changes.
Frequently Asked Questions
Can I continue SSS as an OFW if I was previously employed in the Philippines?
Yes — if you already have an SSS number, you simply resume paying contributions using your PRN with the payor type set to Overseas Filipino Worker. This automatically changes your coverage status from employed or self-employed to OFW-member. All your previous contribution history is preserved and counts toward your benefits.
How do I pay SSS contributions from abroad?
Land-based OFWs can pay through the SSS Mobile App, GCash, Maya, Bayad, online banking via accredited banks, or through SSS Foreign Representative Offices in some countries. Generate your PRN first through My.SSS before making any payment. You can pay monthly or in advance for multiple months at once.
What is the Flexi-Fund program for OFWs?
The Flexi-Fund is an optional additional savings program for OFWs who are already paying at the maximum MSC. Any amount paid above the maximum regular contribution goes into a Flexi-Fund account that earns interest. To qualify you must have your latest contribution at the maximum MSC. There’s no minimum deposit, no maintaining balance required, and you can contribute at any frequency.
Does my SSS coverage stop if I return to the Philippines temporarily?
No — your SSS coverage continues regardless of where you are physically located. If you return permanently, you simply update your membership type to employed, self-employed, or voluntary member depending on your new situation. Your contribution history as an OFW-member carries over completely.
Also in SSS Philippines:
📋 Rates verified — Official sources: sss.gov.ph/ofw-member/ · sss.gov.ph/pay-contribution/ · SSS Circular 2024-006 · RA 11199
⚠️ This table is for informational purposes only and does not constitute financial or legal advice. KnowMyGovt is not affiliated with SSS or the Philippine government. For official OFW membership information visit sss.gov.ph.
