How Employers Should Pay SSS Contributions for Household Helpers 2026

In every Filipino home that employs a kasambahay or household helper, there lies both convenience and responsibility. One of these responsibilities is ensuring that your kasambahay is properly registered with the Social Security System (SSS) and that her monthly contributions are paid on time.

In 2026, SSS continues to provide protection to domestic workers under the Kasambahay Law (RA 10361). This includes maternity benefits, sickness, disability, and retirement coverage. But for these benefits to be enjoyed, employers must understand how to properly compute and remit contributions.

This complete 2026 guide explains everything household employers need to know " from registration, payment process, computation, to sample scenarios " including how it affects SSS Benefit Eligibilityⓘ refers to the conditions a member must meet to qualify for the SSS maternity benefitⓘ. The core requirement is payment of at least three monthly contr?" title="Maternity Benefit Eligibility refers to the conditions a member must meet to qualify for the SSS maternity benefit. The core requirement is payment of at least three monthly contr?">Maternity Benefit eligibilityⓘ.

Why SSS Maternity Benefits Matter for Household Helpers

Many kasambahays are women of childbearing age. With SSS coverage, they can receive cash benefits during maternity leave, giving them peace of mind during pregnancy or childbirth.

Without active contributions, they lose this financial protection " thatTMs why proper payment and reporting by employers is so important.

For example:

Kung buntis ang kasambahay mo at active ang contributions, makakakuha siya ng maternity benefit na hanggang '70,000, depende sa salary at delivery typeⓘ.

'(c) Who Are Covered as Household Employees (Kasambahays)

Under the Kasambahay Law, household employers must register all domestic workers, including:

House helpers and yayas
Gardeners, cooks, or laundry helpers
Private drivers
Caregivers or household assistants

If you hire someone regularly for household tasks, youTMre required to register as a household employer and remit SSS contributions every month.

3/4 Step-by-Step Guide to Paying SSS Contributions for Household Helpers

Step 1: Register as a Household Employer

Go to SSS.gov.ph and click Register as Household Employer.
Fill in your details to get an SSS Employer IDⓘ.
Register your kasambahay under your employer account.
Submit employment contract and valid IDs (both employer and kasambahay).

Step 2: Pay Monthly SSS Contributions

Household employers must pay contributions every month based on the kasambahayTMs MSCⓘ). Each bracket corresponds to a predefined MSC value that determines the r?" title="A salary bracket represents the income range used by SSS to assign a member's Monthly Salary Credit (MSC). Each bracket corresponds to a predefined MSC value that determines the r?">salary rangeⓘ.

' If salary is below '5,000/month, the employer pays the full contribution.
' If salary is '5,000 and above, the contribution is shared between employer and kasambahay.

Payments can be made through:

SSS branches
Partner banks and payment centers (Bayad Center, 7-Eleven, SM Bills, etc.)
GCash or Maya apps
SSS Mobile App

Step 3: Keep Proof of Payment

After payment, always keep:

Payment receipts or transaction numbers
Acknowledgment slips from SSS or partner payment channelsⓘ

These documents are required when filing maternity claims or for reimbursement purposes.

' degrees 2026 SSS Contribution Table for Kasambahays / Household Helpers

" Full Kasambahay / Household Helper MSC Table 2026 ('5,000 " '16,500 Salary Range)

This table shows how much you and your kasambahay should contribute every month based on salary.

Range of Compensation (')	Regular SS MSC (')	Total MSC (')	Employer Regular SS (')	Employer EC (')	Employer Total (')	Employee Regular SS (')	Employee Total (')	Grand Total Contribution (')
below 1250	1000	1000	150	10	160	0	0	160
4750 – 4999.99	5000	5000	750	10	760	0	0	760
9250 – 9749.99	9500	9500	950	10	960	475	475	1,435
14750 – 15249.99	15000	15000	1500	30	1530	750	750	2,280
19750 – 20249.99	20000	20000	2000	30	2030	1000	1000	3,030

For '5,000 below, employer pays everything.
For '5,000 and above, contributions are shared 2/3 by the employer and 1/3 by the kasambahay.

' Example Computation

Example 1: Salary = '4,500/month
Employer pays: '685
Kasambahay pays: '0
... Employer shoulders all contributions.

Example 2: Salary = '8,000/month
Employer pays: '810
Kasambahay pays: '400
... Total: '1,210

'(c)1/4 How SSS Contributions Affect Maternity Benefits

When your kasambahay becomes pregnant, her SSS Maternity Benefit depends on:

Number of months paid within her qualifying periodⓘ
Average Daily Salary Creditⓘ (ADSC)

To qualify, she must have at least 3 monthly contributions within the 12 months before her semester of childbirth.

"... Example:

Expected Delivery Date (EDD): June 2026
Qualifying Period: Jan 2025 " Dec 2025
Minimum: 3 months of paid contributions within that time

You can easily check this using the
' SSS Maternity Benefits Calculator
to confirm your kasambahayTMs eligibility before she files.

(R) Maternity Benefit Computation (Example)

If the kasambahay earns '6,000/month:

Type of Delivery	Days	ADSC ('200) - Days	Total Benefit
Normal or Cesarean	105	'200 - 105	'21,000
Solo Parent (with ID)	120	'200 - 120	'24,000
Miscarriage / ETP	60	'200 - 60	'12,000

... Maximum limit for maternity benefit in 2026 is '70,000.
Only the '20,000 MSC is used for benefit computation (excluding MPF).

TM Filing and Payment Tips for Employers

Pay before the deadline

Monthly: every last day of the next month (e.g., January contributions ' pay by February 28).

Enroll your disbursement account (for future reimbursements)

Use Disbursement Account Enrollmentⓘ Module (DAEM) in My.SSS.

Track contribution records

Log in to My.SSS ' Inquiry ' Contributions.
Verify all posted payments to avoid missing records.

Assist your kasambahay during maternity filing

Help her file MAT-1 before childbirth and MAT-2 after delivery.
Employers advance the maternity pay, then file for SSS reimbursementⓘⓘ.

- Real-Life Example

'(c)1/4 Ella " A Kasambahay in Quezon City

Ella earns '6,000 monthly. Her employer consistently paid '1,210/month for her SSS from 2024"2026.
When she got pregnant in April 2026, she received '21,000 maternity benefit, filed through her employer.

' Her employer was fully reimbursed by SSS after submitting MAT-2 online.

" SSS Penalties and Employer Obligations

Non-registration of kasambahay " up to '25,000 fine
employee shareⓘ to SSS. This?" title="Non-remittance of contributions occurs when an employer deducts the employee's share of SSS contributions but fails to remit the combined employer and employee share to SSS. This?">Failure to remitⓘ contributions " 3% per month penalty
Late filing of maternity notificationⓘ (MAT-1) " claim denialⓘ

... Solution: Always pay and file on time. Keep soft copies of receipts for record-keeping.

" Other Member Types You Should Know (for Comparison)

Member Type	Description
Business Employees	Employed in private companies; shared contributions with employer
Household Employees	Domestic helpers; contributions paid or shared by household employer
Kasambahays	Domestic workers (yaya, driver, maid) under Kasambahay Law
Self-Employed	Freelancers, entrepreneurs, small business owners
Voluntary	Individuals continuing SSS payments after leaving employment
Non-Working Spouse	Spouses covered under their working partnerTMs SSS consent
Land-Based OFWs	Overseas Filipinos paying independently or via partner channels

Common Mistakes to Avoid

Forgetting to pay monthly SSS before the deadline
Uploading wrong SSS numbers for kasambahay
Not registering under Household Employer
Assuming MPF affects maternity benefits (it doesnTMt)
Filing MAT-1 after childbirth

... Always use My.SSS to check PRNⓘ or employer reports, SSS upd?" title="Contribution posting refers to the process of recording a memberTMs paid contributions into their My.SSS account. Once a payment is validated using PRN or employer reports, SSS upd?">contribution postingⓘ and filing deadlines.

Quick Summary (TL;DR)

Step	What to Do	Who Pays	Deadline
1	Register kasambahay under your SSS household employer account	Employer	Upon hiring
2	Pay SSS monthly contributions	Employer or shared	Every last day of next month
3	File maternity notification (MAT-1)	Employer	Before childbirth
4	Advance maternity benefit	Employer	During leave
5	File reimbursement (MAT-2)	Employer	Within 1 year after birth

" FAQs on Paying SSS for Household Helpers 2026

1. Who pays the SSS contribution for a kasambahay earning below '5,000?
The employer pays the full amount, including EC (Employee Compensation).

2. Can the kasambahay pay directly to SSS?
No, contributions must be remitted by the household employer.

3. Can I pay quarterly instead of monthly?
Yes, household employers may pay monthly or quarterly in advance.

4. What if my kasambahay changes employer?
You must report her separation, and the new employer must re-register her.

5. How do I confirm if my kasambahayTMs contributions are posted?
Log in to My.SSS ' Inquiry ' Contributions and check the posted months.

Final Thoughts

Paying SSS contributions for household helpers is not just about compliance " itTMs about giving your kasambahay the social protection she deserves.

From maternity benefits to retirement security, every contribution you make today safeguards her tomorrow.

Before the next payment cycle, check your records and use the SSS Maternity Benefits Calculator to ensure your kasambahay is always covered and qualified.

Because being a good employer means caring " not just at home, but also for her future. '-

How Employers Should Pay SSS Contributions for Household Helpers 2026