Latest SSS Contribution Table for 2025 | New SSS Rates | How Much You Need to Pay | Employer & Employee Contributions Explained
🔹 Effective Date: January 2025
🔹 Minimum MSC: ₱5,000.00
🔹 Maximum MSC: ₱35,000.00
🔹 Contribution Rate: 15% of Monthly Salary Credit (MSC)
SSS Contribution Changes for 2025
The Social Security System (SSS) has announced new contribution rates for employers and employees, effective January 2025. This update follows Republic Act No. 11199 (Social Security Act of 2018), which mandates gradual increases in SSS contributions to ensure better social security benefits for Filipino workers.
🔹 Higher Contribution Rate: 15% of the Monthly Salary Credit (MSC)
🔹 New Salary Brackets: ₱5,000.00 to ₱35,000.00
🔹 Provident Fund (MPF) Contributions: For salaries above ₱20,000.00
New SSS Contribution Table for 2025
Below is the updated SSS contribution schedule for business employers and employees:
👉 MPF (Mandatory Provident Fund) applies to MSCs above ₱20,000.00, and these contributions are credited to the member’s provident savings account for future benefits.
Key Takeaways for Employers & Employees
✅ For Employees:
✔ Higher contributions mean bigger pension benefits in the future.
✔ If your salary is above ₱20,000, extra contributions go into your MPF investment fund.
✔ Ensure your employer deducts the correct amount to avoid issues.
✅ For Employers:
✔ Employers must adjust payroll deductions to comply with the new SSS contribution table.
✔ Non-compliance may result in penalties and legal issues.
✔ Review salary structures and ensure correct remittances to SSS.
SSS Benefits Calculation Under New Rates
How Your Benefits Are Computed
- Retirement, disability, sickness, maternity, death, and unemployment benefits are based on the new Monthly Salary Credit (MSC) range of ₱5,000.00 to ₱35,000.00.
- Contributions exceeding ₱20,000 go to the MPF Program, which earns investment income over time.
- The higher your MSC, the higher your pension when you retire.
When Does the New SSS Contribution Take Effect?
📌 January 2025 – The new contribution rates become effective following publication in a newspaper of general circulation and registration with the National Administrative Register.
Final Thoughts: Why This SSS Update Matters
This increase in SSS contributions ensures better financial security for members. Employees will receive higher pensions, while employers must adjust payroll deductions to comply with the January 2025 SSS rates.
✅ Check your payslip to ensure accurate deductions.
✅ Employers should prepare for payroll adjustments.
✅ SSS contributions = bigger benefits!
Frequently Asked Questions (FAQs) About SSS Contributions in 2025
What is the new SSS contribution rate for 2025?
The contribution rate is now 15% of the employee’s Monthly Salary Credit (MSC).
What is the minimum and maximum MSC for 2025?
The minimum MSC is ₱5,000, and the maximum MSC is ₱35,000.
Who pays the SSS contributions?
Both employers and employees contribute to the SSS fund, with employers covering a larger share.
What is the MPF (Mandatory Provident Fund)?
The MPF Program is an investment fund where SSS contributions above ₱20,000 go into a savings account, growing over time.
Will my SSS benefits increase with higher contributions?
Yes! Retirement, disability, and other benefits will be higher due to the increased contributions.
Need More Information?
For official details, visit the SSS website or contact your local SSS branch.
