SSS vs. UMID: Which Government ID Should You Get?

Among the many government-issued IDs, the Social Security System (SSS) ID and the Unified Multi-Purpose ID (UMID) are two of the most common IDs used for accessing essential services in the Philippines. However, some Filipinos are often confused about the differences between these two IDs, and whether they need both. In this article, we’ll discuss in detail both SSS ID and UMID, and their overall benefits.

The SSS ID is issued by the Social Security System which serves as proof that you are a member of the SSS, a government-mandated insurance program that provide benefits such as retirement, sickness, disability, death benefits to its members and beneficiaries. UMID on the other hand, is an all-in-one ID meant to replace SSS ID by combining multiple government IDs into one. UMID serves as a powerhouse ID for four major government agencies:

• SSS (Social Security System)
• GSIS (Government Service Insurance System)
• Pag-IBIG Fund
• PhilHealth

So why do some Filipinos still get confused between the two IDs? The confusion was largely caused by the transition period when the government phased out SSS IDs in favor of UMIDs. Before UMID, all SSS members used their SSS ID to access security benefits. When the government combined several four government agencies into one ID to streamline the identification system, many Filipinos were uncertain if their SSS ID was still valid or if they are required to get the new UMID.
 

If you’re a first timer, we highly recommend getting the UMID as it is the most versatile. Having a single card for multiple agencies also saves you the trouble of carrying different IDs and potentially losing one of them—causing you additional distress. The UMID is also widely accepted as a valid ID by both government and private institutions, making it handy for opening bank accounts, applying for loans and installment plans such as ones offered by Home Credit, and signing contracts.

So, the million-dollar question is, do you need to own both IDs? The short answer is no. Once you have the UMID, you no longer need the SSS ID because the UMID already serves as your SSS identification card. However, if you already have an SSS ID, you can still use it for SSS-related transactions which means you do not need to replace it immediately with a UMID.

Both the SSS ID and the UMID play crucial roles in helping Filipinos manage their obligations as an adult. However, because of its versatility and convenience, the UMID is the better choice if you’re looking for a single ID to help you access government benefits and process some business transactions. Whether you’re just starting your career, managing your finances, or applying for financial services such as the installment plans offered by Home Credit, having a UMID can help, making your adulting life easier in an increasingly complex world.