PinoyayaSSS, PhilHealth, Pag-IBIG for your yaya: a step-by-step guide
A practical guide for Filipino families on enrolling your yaya, nanny, or babysitter in government benefits: what you pay, what's deducted, and how to register online in 2026.
The bottom line: Under Batas Kasambahay (RA 10361), enrolling your yaya in SSS, PhilHealth, and Pag-IBIG is not optional: it's the law. Your employer share is roughly ₱1,500-₱2,500/month for a typical Metro Manila wage (it scales with their pay). The whole online registration takes about an hour, once.
Why this matters (beyond the law)
Yes, the law requires it. But there's a deeper reason: these three benefits are how your yaya builds long-term security. Pension, healthcare, eventual home ownership. Helping their enrol isn't just compliance. It's how Filipino families that retain great yayas for 10+ years build trust.
If your yaya knows you're paying their SSS reliably, they'll stay. If they find out a previous employer skipped it, they'll be looking for the next family from day one.
The three benefits at a glance
| Programme | What it covers | Why it matters |
|---|---|---|
| SSS Social Security System |
Retirement pension, sickness, maternity, disability, death, funeral benefits | Their safety net for life events |
| PhilHealth | National health insurance (in-patient hospitalisation, outpatient packages) | Critical care without bankrupting them |
| Pag-IBIG HDMF Mutual Fund |
Housing loans, savings, multipurpose loans | Path to home ownership |
How much does it cost YOU (the employer)?
Contributions depend on your yaya's monthly wage. Here's the rule under RA 10361:
- If your yaya's wage is below ₱5,000/month: YOU (the employer) pay 100% of the contribution.
- If their wage is ₱5,000 or higher: the contribution is split between you and them (their share comes out of their salary via deduction).
SSS contribution (2026)
The total SSS rate in 2026 is 15% of the monthly salary credit: 10% employer, 5% employee (the final step under the Social Security Act, RA 11199). For a yaya earning ₱15,000/month, the employer share is approximately ₱1,500/month (employee share around ₱750). Brackets are updated periodically; check the official SSS contribution table for the current figures.
PhilHealth contribution
PhilHealth is 5% of monthly basic salary in 2026, split evenly between employer and employee. For a ₱15,000/month yaya, that's ₱375 employer share + ₱375 employee share = ₱750 total/month.
Pag-IBIG contribution
For wages above ₱1,500/month, the standard is 2% employee + 2% employer = 4% of monthly wage, capped at ₱200 employer share. For a ₱15,000/month yaya: ₱200 employer share + ₱200 employee share = ₱400/month.
Total cost
For a ₱15,000/month yaya in 2026: the employer share is approximately ₱2,075/month across all three (SSS ₱1,500 + PhilHealth ₱375 + Pag-IBIG ₱200). That's about 14% of their gross salary: required, and it scales with their wage.
The 5-step enrolment process
Don't be intimidated. The whole thing can be done online in about an hour, once. Here's the sequence:
Register yourself as a household employer with SSS
Go to My.SSS. If you don't already have an SSS number as an individual, get one first. Then register as a Household Employer (HR): this is a separate registration from your personal SSS membership. You'll be issued a Household Employer ID.
Documents needed: your SSS number, your address, your yaya's full name and date of birth.
Enrol your yaya as an SSS member (if they aren't one)
Most yayas already have an SSS number from a previous job. If yours doesn't, they need to register at sss.gov.ph as a member. You'll then link them to your Household Employer ID by reporting them on form SS Form R-1A (employment report).
Register with PhilHealth as a household employer
Go to philhealth.gov.ph. Register as an employer under the Kasambahay category. Submit form ER1 (Employer Data Record) and ER2 (Report of Employee Member).
Register with Pag-IBIG (HDMF) as a household employer
Go to pagibigfund.gov.ph. Register as a household employer. Submit the Household Employer Registration Form. Your yaya then becomes a Pag-IBIG member under your employer registration.
Pay contributions monthly
Each agency has its own payment portal. For SSS, use My.SSS with the PRN (Payment Reference Number) system. For PhilHealth and Pag-IBIG, use their respective online portals. Most banks (BPI, BDO, Metrobank, etc.) accept payments. GCash works for SSS and Pag-IBIG. Pay before the due date each month, typically the last business day for SSS, the 10th of the following month for PhilHealth.
Common questions
What if my yaya has been working without benefits for years?
Enrol them now. Past months can't be retroactively contributed by you (you'll only owe from when they officially became your employee). But going forward, you're now compliant, and they have a fresh contribution stream toward their pension.
Do I need to deduct their share if they earn under ₱5,000?
No. Under RA 10361, if their monthly wage is below ₱5,000, you pay 100% of the contributions. No salary deduction.
What if they're only with me part-time?
If they're a regular part-time employee in your household (not just an occasional one-time helper), they're still a kasambahay under the law and these benefits apply. The contribution amount scales with their wage from your household.
Can I just give them cash instead?
No. The law requires actual enrolment and remittance. Cash alternatives don't satisfy the legal requirement and don't give them the long-term benefits the system provides.
What happens if I don't enrol them?
You're in violation of RA 10361. DOLE can investigate based on a complaint. Penalties range from fines to criminal charges in severe cases. More immediately: a yaya who finds out you've been pocketing what you owe to their benefits will rightly leave, and may file a labour complaint.
A note on cost framing
It's tempting to view ₱2,075/month for a ₱15,000/month yaya as "an extra cost on top." Don't. Frame it as: "My true cost of employing a yaya is about ₱17,000/month, and they have lifelong security in return." That's how Filipino families that build long, loyal relationships with their yayas think about it. The compounding effect is real: a yaya who knows you take their seriously stays for years. The maths works in your favour.
Where to get help
The agencies have help lines and physical branches. If something doesn't work online, visit a branch: service is generally helpful and patient.
- SSS hotline: 1455 (24/7) · sss.gov.ph
- PhilHealth Action Center: (02) 8441-7442 · philhealth.gov.ph
- Pag-IBIG hotline: 8-724-4244 · pagibigfund.gov.ph
- DOLE Hotline: 1349 · dole.gov.ph
Find a yaya, and do this the right way from day one
On Pinoyaya, yayas, nannies and babysitters can complete identity verification and carry the ID-Verified badge. Once you hire them, sign a Batas Kasambahay contract and enrol them in SSS, PhilHealth, and Pag-IBIG. Browsing is free; one-time passes from ₱399 (7 days) or ₱699 (30 days) let you message and send offers.
Get the Pinoyaya app →Related reading
- A plain-English guide to Batas Kasambahay (RA 10361)
- How much should you pay a yaya in 2026?
- 10 questions to ask before hiring a yaya
Contribution tables and procedures can change. Always verify current rates at sss.gov.ph, philhealth.gov.ph, and pagibigfund.gov.ph. This guide is for general information only and is not legal or tax advice.