OFW Contributions Philippines 2026 — SSS, PhilHealth, Pag-IBIG

Are OFWs Required to Pay Contributions?

OFWs are voluntary members of SSS, PhilHealth, and Pag-IBIG. While membership is technically voluntary, RA 10022 and POEA rules require active coverage for documentation purposes — and maintaining contributions ensures access to benefits for you and your family back home.

Key difference: OFWs pay both the employee and employer share for all three agencies since there is no Philippine employer to share the cost.

Agency	Rate	OFW Pays	Minimum	Maximum
SSS	15% of MSC	Full (EE + ER)	₱1,237.50/mo (MSC ₱8,250)	₱5,250/mo (MSC ₱35,000)
PhilHealth	5% of salary	Full amount	₱500/mo (floor ₱10k)	₱5,000/mo (ceiling ₱100k)
Pag-IBIG	2% + 2%	Both sides	₱400/mo mandatory	₱400/mo + voluntary

SSS OFW Minimum MSC ₱8,250

Per SSS Circular 2023-010, land-based OFWs must contribute on a minimum MSC of ₱8,250 — higher than the ₱5,000 minimum for domestic voluntary members. This translates to a minimum monthly SSS contribution of ₱1,237.50 (15% × ₱8,250).

PhilHealth Benefits for OFW Families

An active OFW PhilHealth member's qualified dependents (spouse, children, parents) can use PhilHealth benefits in Philippine hospitals. This is a significant financial protection for families left behind.

Where to Pay OFW Contributions

SSS: SSS overseas offices, OWWA desks, authorized banks, or SSS online portal
PhilHealth: PhilHealth overseas collection partners, online via member portal
Pag-IBIG: International collection partners, Pag-IBIG online payment, authorized banks abroad

Tip: Set up recurring payments through authorized agents to avoid lapses. Even one missed month can affect benefit eligibility for certain SSS benefits.

OFW Contribution Calculator 2026

Select "OFW (Land-based)" in the dropdown to compute your exact SSS, PhilHealth, and Pag-IBIG amounts.

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