SSS, PhilHealth & Pag-IBIG Explained
Risk & Compliance · 5 min read · Updated 2026-07
SSS (social security), PhilHealth (health insurance) and Pag-IBIG (housing fund) are the Philippines' mandatory statutory contributions, shared between employer and employee. Employers must register, deduct and remit them for their staff. When you employ via a managed provider or EOR, these are handled entirely for you.
The three statutory contributions
SSS provides social security benefits; PhilHealth covers healthcare; Pag-IBIG is a housing and savings fund. Each involves an employer and employee share that must be deducted and remitted on time. They're standard for compliant employment.
Who handles them
Registering, calculating, deducting and remitting these is an employer responsibility. With an EOR or fully-managed provider, all of it sits with them — you simply pay one monthly rate that includes these obligations.
Key takeaways
- SSS, PhilHealth and Pag-IBIG are mandatory.
- They're shared employer/employee contributions.
- Employers must deduct and remit them.
- A managed provider/EOR handles all of it.
Common questions
Do I need to manage SSS, PhilHealth and Pag-IBIG myself?
Only if you employ staff directly. With a managed provider or EOR, these statutory contributions are administered for you within the monthly rate.
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