About SSS
The SSS Mandate（https://www.sss.gov.ph/the-sss-mandate/）
Social Security Commission（https://www.sss.gov.ph/ss-commission/）
Management Directory（https://www.sss.gov.ph/management-directory/）
Citizen’s Charter（https://www.sss.gov.ph/wp-content/uploads/2026/07/2026-SSS-Citizens-Charter-1st-Edition-External-Services.pdf）
Annual Reports（https://www.sss.gov.ph/sss-annual-reports/）
Membership & Coverage
Become an SSS Member（https://www.sss.gov.ph/become-an-sss-member/）
Compulsory Coverage（https://www.sss.gov.ph/compulsory-coverage/）
Employers（https://www.sss.gov.ph/employer-er/）
Employees（https://www.sss.gov.ph/employees/）
Household Employers（https://www.sss.gov.ph/household-employer/）
Kasambahay（https://www.sss.gov.ph/kasambahay）
Self-Employed（https://www.sss.gov.ph/self-employed/）
Overseas Filipino Workers (OFWs)（https://www.sss.gov.ph/ofw-member/）
Voluntary Coverage（https://www.sss.gov.ph/voluntary-coverage/）
Voluntary Members（https://www.sss.gov.ph/voluntary-member/）
Non-working Spouse（https://www.sss.gov.ph/non-working-spouse/）
SSS for Filipinos Abroad（https://www.sss.gov.ph/sss-for-filipinos-abroad/）
Know about the OFW Coverage Program（https://www.sss.gov.ph/ofw-member/）
Check the Bilateral Social Security Agreements（https://www.sss.gov.ph/bilateral-agreements/）
Continuing SSS Membership as an Immigrant（https://www.sss.gov.ph/voluntary-member/）
Get a Pension Account Abroad（https://www.sss.gov.ph/pension-account/）
Pay Contributions（https://www.sss.gov.ph/pay-contribution/）
SSS Payment Channels（https://www.sss.gov.ph/sss-payment-channels/）
SSS Contribution Table（https://www.sss.gov.ph/sss-contribution-table/）
MySSS Pension Booster（https://www.sss.gov.ph/mysss-pension-booster/）
MySSS Card（https://www.sss.gov.ph/mysss-card/）
News（https://www.sss.gov.ph/news-and-updates/）
Benefits
Social Security Benefits（https://www.sss.gov.ph/benefits/）
Sickness（https://www.sss.gov.ph/sickness-benefit/）
Maternity（https://www.sss.gov.ph/maternity-benefit/）
Disability（https://www.sss.gov.ph/disability-benefit/）
Retirement（https://www.sss.gov.ph/retirement-benefit/）
Death（https://www.sss.gov.ph/death-benefit/）
Funeral（https://www.sss.gov.ph/funeral-benefit/）
Unemployment（https://www.sss.gov.ph/unemployment-benefit/）
Employees’ Compensation Program（https://www.sss.gov.ph/employees-compensation-program/）
Loans
Member Loans（https://www.sss.gov.ph/loans/）
Salary Loan（https://www.sss.gov.ph/salary-loan/）
SSS LoanLite（https://www.sss.gov.ph/sss-loanlite/）
Calamity Loan（https://www.sss.gov.ph/calamity-loan/）
Emergency Loan Program（https://www.sss.gov.ph/sss-emergency-loan-program/）
Pension Loan Program（https://www.sss.gov.ph/new-pension-loan-retiree/）
Conso Loan Program（https://www.sss.gov.ph/sss-conso-loan-program/）
Option to Sell Shares of Stocks Program（https://www.sss.gov.ph/option-to-sell/）
Pay Loans（https://www.sss.gov.ph/pay-loans/）
Laws & Circulars
Social Security Laws（https://www.sss.gov.ph/social-security-laws/）
SSS Circulars（https://www.sss.gov.ph/sss-circulars/）
SSC Rules of Procedure（https://www.sss.gov.ph/ssc-rules-of-procedure/）
Opportunities
Public Bidding（https://www.sss.gov.ph/bidding_category/invitation-to-bid/）
Small Value Procurement（https://www.sss.gov.ph/svp_office/main-office/?_sfm_category=Request%20for%20Quotation）
Assets for Sale/Lease（https://www.sss.gov.ph/assets_for_sale/）
Properties Available for Sale（https://www.sss.gov.ph/acquired_assets/）
Careers（https://www.sss.gov.ph/jobsatsss/）
Contact Us（https://www.sss.gov.ph/contact-us/）
Login to My.SSS（https://sso.sss.gov.ph/sso/auth/redirect）
SSS Conso Loan Program
(Consolidated Loan with Penalty Condonation)
Apply Online（https://sso.sss.gov.ph/sso/auth/redirect）
Having past due loans and accumulated penalties will affect the total amount you receive from SSS benefits when you need them.
Take advantage of this penalty condonation program to settle your delinquent loans.
Benefits of the SSS Conso Loan:
Upon full payment, all penalties will be condoned/waived
Extended repayment terms
No service fee
Easy application process
Restoration of good standing status with SSS
Eligibility Requirements
Loan Consolidation Process
Payment Options and Penalty Condonation
Interest Rate and Penalties
Loan Default and Consequences
Loan Renewal Policy
Application Process
Eligibility Requirements
All member-borrowers with past due SSS Short-Term Member Loan (STML) account/s at the time of the SSS Consolidated Loan (SSS CONSO LOAN) application filing are eligible. The covered STML loans are the following:
Salary Loan, including Salary Loan Early Renewal Program (SLERP)
Calamity Loan
Emergency Loan
Restructured Loan
Note: Other STMLs may be included, as determined by the SSS.
Past due means that the loan has an unpaid obligation consisting of principal, interest, and penalties equivalent to more than three (3) monthly amortizations, or the loan has remaining unpaid balance after its maturity.
Additional Requirements:
Member-borrowers who have not received any final benefits, such as permanent total disability or retirement.
Member-borrowers who have not been disqualified due to fraud committed against the SSS.
Member-borrowers with active My.SSS accounts.
Loan Consolidation Process
All outstanding principal and interest of the member-borrower’s past due loan/s shall be combined into one (1) SSS CONSO LOAN. The unpaid penalties shall be consolidated separately and shall be subject to conditional condonation.
Payment Options and Penalty Condonation
The condonation of consolidated penalties shall depend on whether the SSS CONSO LOAN is paid in one-time payment or through installment:
One-time Payment Term
The SSS CONSO LOAN must be paid in full within 30 calendar days from receipt of the notice of approval of the SSS CONSO LOAN application.
100% of the consolidated penalty shall be condoned upon full payment of the SSS CONSO LOAN within the said 30-calendar days.
SSS CONSO LOAN amount up to P5,000 must be paid thru One-Time Payment only.
Installment Plan
Down payment of at least 10% of the total consolidated amount within 30 calendar days from receipt of the notice of approval of the SSS CONSO LOAN application. However, a higher percentage may be elected as down payment.
The remaining balance shall be payable in equal monthly amortization based on the loan range below:
Consolidated Loan (SSS CONSO LOAN)
Remaining Balance Maximum Term
Above P5,000 to P10,000 6 months
P10,001 to P18,000 12 months
P18,001 to P36,000 24 months
P36,001 to P54,000 36 months
P54,001 to P72,000 48 months
More than P72,000 60 months
A payment term shorter than the above may be selected by the member-borrower or they may choose to pay in full at any given time during the installment period.
The consolidated penalty shall be condoned as follows:
Penalty proportionate to the percentage of down payment shall be condoned upon payment of the required down payment within 30 calendar days.
The remaining amount of penalty shall be fully condoned after full payment of the outstanding SSS CONSO LOAN within the approved terms and conditions.
The balance of the SSS CONSO LOAN should be zero (0) at the end of the term. Otherwise, the account shall be deemed in default. As such, the uncondoned portion of the penalty shall be reimposed and shall become due and demandable.
If the member-borrower applies for retirement or total disability benefit claim, or if their beneficiaries apply for death benefit claim application, any unpaid SSS CONSO LOAN balance, consisting of principal and interest with the applicable amount of uncondoned penalty, shall be deducted from the benefit proceeds.