Three Different Programs, Three Different Rules
SSS, PhilHealth, and Pag-IBIG are often grouped because they appear together on payslips — but each has its own legal basis, rate structure, and benefits.
SSS (Social Security System)
The SSS program focuses on social insurance benefits (for example, disability, maternity, retirement, and death benefits) and related member programs.
- Contributions are commonly tied to a Monthly Salary Credit (MSC) and bracket tables.
- Employees and employers share the contribution.
- Verify the latest SSS circulars for rates and ceilings.
PhilHealth (PhilHealth)
PhilHealth focuses on health financing and hospitalization benefits. Premiums are typically computed as a percentage of income, subject to minimums and maximums per official circulars.
- Rates and caps change — always confirm the latest National Health Insurance Program premium guidelines.
- Employees and employers split the premium in many employment setups.
Pag-IBIG (HDMF)
Pag-IBIG (HDMF) includes short-term savings and housing loan programs (among others). Employee contributions often follow a percentage with a common cap for employee share in many payrolls.
- Housing loan eligibility is separate from contribution posting — it depends on fund requirements and underwriting.
How to Sanity-Check Your Payslip
1. Identify your payroll’s gross and contribution bases (some items may be excluded).
2. Find your MSC bracket for SSS (if applicable).
3. Compare PhilHealth to the published premium rules for the month.
4. Confirm Pag-IBIG matches the employee rate and cap in effect.
Related Tools
- [SSS Calculator](/sss-calculator)
- [Salary Calculator](/salary-calculator)
Official References
- SSS — [sss.gov.ph](https://www.sss.gov.ph)
- PhilHealth — [philhealth.gov.ph](https://www.philhealth.gov.ph)
- Pag-IBIG — [pagibigfund.gov.ph](https://www.pagibigfund.gov.ph)
Disclaimer
Contribution tables are updated by issuances. This guide is for education — verify amounts on official channels and your employer.