Employees whose employers fail to remit their contributions on time are still entitled to SSS benefits. However, they won’t get approved for an SSS salary loan. If you find out your employer is not paying your contributions, ask your HR or employer about it before filing a complaint at SSS. Try discussing any discrepancy you found in your SS contributions. There might be a delay in either remitting or posting the contributions. Make sure that you have your payslips that reflect SS deductions from your salary before talking with your employer, as it serves as proof of any discrepancy. Once you inform your employer, follow up occasionally to ensure that action is being taken to fix the discrepancy.  If your employer deliberately avoids paying your contributions for long, it violates the Social Security Law. Delinquent employers are fined from ₱5,000 to ₱20,000 or imprisoned for more than six years to 12 years. Additionally, they must remit all unpaid contributions plus a 3% penalty for each unpaid month. If the employer deducted the SS contribution from the employee’s salary but failed to remit to the SSS, the penalty will be imprisonment of not more than 20 years. File a non-remittance complaint at the SSS branch nearest your employer’s office or business location. Bring your payslip, company ID, Employment Contract, and Income Tax Return (ITR) as proof of employment. Then, proceed to the SSS Accounts Management Section so the SSS Accounts Officer can assist you. The Officer will guide you throughout the process of filing a complaint.