Definition

A Non-Working Spouse (NWS) is a married person who devotes full time in the management of the household and family affairs unless he/she is engaged in other vocation or employment that is subject to mandatory coverage.  An NWS should:

  • be legally married to a currently paying EE, SE or OFW member who has at least one (1) posted contribution within the last six (6) months prior to registration date of the NWS
  • have never been a member of SSS (not yet covered and no posted contributions)
  • not be over 60 years old (up to 60th birthday).

Contribution

A NWS who fails to remit contributions after membership is approved may only pay the monthly contributions prospectively. The months without posted contributions shall already be considered as “gaps” and back-payment to fill those gaps, or payment of contributions retroactively, is not allowed.

The non-working spouse becomes a member when at least one contribution, corresponding to the approved amount in the registration form, has been paid.

Membership with the SSS is for life for the covered NWS. However, a member who ceased to be a NWS has the option to continue paying SSS contributions as a voluntary member to maintain the right to the full benefits being provided by the SSS.

Even when there are periods when no contributions are remitted, the benefits and loan privileges provided by the SSS can still be availed of, as long as the member meets the qualifying conditions for entitlement thereto.

How to Register

A prospective NWS should register and secure an SS Number online.

See Become an SSS member

The NWS needs to submit to the nearest SSS branch a duly accomplished Member’s Data Change Request Form (SS Form E-4) with the required supporting documents to complete his/her registration.

Payment

The amount of monthly contribution to be paid by members is always based on the latest Schedule of Contributions issued by the SSS.

The MSC and corresponding amount of contribution for a NWS shall be determined as follows:

  1.   Fifty percent (50%) of the working spouse’s declared monthly income shall be the basis of the NWS’ initial MSC and the corresponding amount of monthly contribution.
  2.   In case the fifty percent (50%) of the working spouse’s declared monthly income does not correspond to any MSC in the Contribution Schedule, the immediately higher MSC shall be the basis.

 

Changing the MSC

An NWS can change his/her MSC based on fifty percent (50%) of the working spouse’s declared monthly income, without having to present any proof thereof.

A NWS may pay their contributions through any of the following channels:

  • SSS Branches with Tellering Facilities
  • SSS-accredited banks (over-the-counter and partner bank’s website and mobile app)
  • SSS non-bank collecting partners (over-the-counter and collecting partner’s website and mobile app)
  • SSS Mobile App

A NWS who fails to remit contributions after membership is approved may only pay the monthly contributions prospectively. The months without posted contributions shall already be considered as “gaps” and back-payment to fill those gaps (i.e., retroactive payment of contributions) is not allowed.

See list of Payment Channels
See Pay Contributions and Loans