Frequently Asked Questions

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Benefits under the Social Security System

1. What kinds of benefits are included in the Social Security System?

The benefits include old-age pension, disability pension, unemployment allowance, sickness allowance, marriage allowance, birth allowance, funeral allowance and compensation for occupational respiratory disease. For the eligibility requirements and the ways to apply, please refer to the Administrative Procedures Guide on the Social Security Fund’s website.

2. How to calculate the amount that I can receive for old-age pension? Under what circumstances can I receive the full pension?

Beneficiaries enrolled after the entry into force of Law No. 4/2010 in 2011 (beneficiaries of the new system): As long as the beneficiary’s contribution period reaches at least 60 months and other statutory requirements are met, the beneficiary may apply for old-age pension; the amount is calculated according to the formula — Maximum amount of old-age pension x the number of actual contribution months/360; after starting to receive old-age pension, the beneficiary may continue to make contributions, and the amount that he or she can receive is adjusted every April according to the total number of contribution months accumulated as of December of the preceding calendar year, until the number of actual contribution months reaches 360. Then, the beneficiary may receive the maximum amount of old-age pension.
Beneficiaries enrolled before Law No. 4/2010 came into effect (beneficiaries of the old system): According to the old system (Decree-Law No. 58/93/M), as long as the beneficiary’s contribution period reaches at least 60 months, the beneficiary is 65 years old and meets other requirements, he or she can apply for old-age pension and receive the maximum amount.

Whether under the new system or the old system, if the beneficiary applies for early old-age pension, the amount received must still be calculated based on the statutory percentage corresponding to the age. The relevant percentage will remain unchanged before the beneficiary reaches the age of 80.

3. Can I apply for other allowances after I start to receive old-age pension?

Yes, you can, but because according to the law, the payment of old-age pension, disability pension, unemployment allowance and sickness allowance cannot overlap each other. Therefore, the Social Security Fund will inform the beneficiary about the more favourable benefit and make the payment according to the beneficiary’s choice.

4. How does the Social Security Fund evaluate whether a disability pension applicant is in a disability status?

The applicant must be evaluated by a doctor of the Social Security Fund’s medical board, and the beneficiary’s disability must be certified by the medical board (According to Law No. 4/2010, a beneficiary is regarded as being disabled, in case of absolute and total incapacity or loss of earning capacity, whether temporarily or permanently, due to general disease, accident, occupational disease or occupational accident).

5. Who needs to provide the proof of life?

Beneficiaries who are currently receiving old-age or disability pension must provide the proof of life every year in order to maintain the continuous payment of the relevant benefit.

6. Is there a deadline for submitting the applications for various allowances?

Yes, there is. The application deadlines for various allowances are as follows:

Marriage allowance: The application must be submitted within 60 days of the marriage date;
Birth allowance: The application must be submitted within 60 days of the birth date or adoption date of the child;
Unemployment allowance: The beneficiary may apply from the date of registration with the Labour Affairs Bureau until 30 days after the end of unemployment. If the beneficiary’s unemployment period exceeds the maximum period for which the beneficiary is entitled to receive the allowance (90 days), the application must be submitted no later than 30 days after the end of the said period;
Sickness allowance: The beneficiary may apply from the day following the onset of illness until 30 days after the termination of illness. If the beneficiary’s illness exceeds the maximum period for which the beneficiary is entitled to receive the allowance, the application must be submitted no later than 30 days after the end of the said period;
Funeral allowance: The application must be submitted within one year from the date of the beneficiary’s death.

7. Do all benefits require the beneficiary to apply in person at a service point of the Social Security Fund?

Applications for various benefits can be filed at a service point of the Social Security Fund, and among them, old-age pension, marriage allowance, birth allowance and funeral allowance can also be applied by logging in to the Social Security Fund’s e-service platform (https://www.fss.gov.mo/en/eservice) or the "Macao One Account" mobile app, using the "Macao One Account". Please refer to the Administrative Procedures Guide on the website of Social Security Fund for more details.

8. For the purpose of applying for sickness allowance, can a medical certificate issued outside Macao be accepted?

No, the medical certificate submitted must be issued by a medical practitioner registered with the Macao SAR Health Bureau, a medical practitioner of a hospital or a health centre in Macao.

9. Am I entitled to the marriage or birth allowance if I get married outside Macao or if my child is born outside Macao?

Yes, but a photocopy of the marriage or birth certificate must be submitted (the original must be presented for verification).

10. How to define involuntary unemployment? Can I apply for unemployment allowance if I leave my job voluntarily?

One of the requirements for applying for unemployment allowance is that the applicant must be involuntarily unemployed. If the labour contract is terminated due to the following reasons and the applicant is not engaged in any gainful activity, the person will then be deemed to be in an involuntary unemployment situation:

The employer terminates the labour contract;
The employee terminates the labour contract with reasonable grounds;
The labour contract is invalid;
The labour contract is annulled because serving employees or departments are cut due to corporate reorganization;
The employer terminates the contract during the probation period.

11. Can a public administration staff apply for social security benefits?

Whether enrolled under the arbitrary or obligatory system, a public administration staff is not entitled to other social security benefits, except for old-age pension, when he or she is still providing actual service for the administrative authority or before he or she cancels his or her enrollment in the Provident Fund Scheme for civil service.

Electronic Filing Service

1. What is the scope of services provided by the Electronic Filing Service?

The scope of services includes Contributions of the Obligatory System (Long-Term Employee), Contributions of the Obligatory System (Casual Worker) and Employment Fee for Non-Resident Workers.

2. What services are available to an employer with the Electronic Filing System?

Employers can now use the Electronic Filing System to report the employment information of employees who belong to the Obligatory System, enroll their local employees as beneficiaries, view and download the Contribution Payment Advice and the Local Employee List, view their staff’s employment information, the Record of Payment and the Payment List of Local Employees, apply for a Certificate of Employer's Contribution. If a non-resident worker is hired, the applicant may also view and download the Record of Payment, and the List of Non-Resident Workers required to Pay Employment Fee.

3. Who can use the Electronic Filing Service and how to apply for the service?

Employers who have completed a valid employer registration can apply for the Electronic Filing Service. To apply for the service, the employer, the employer’s legal representative or authorized person can fill in the form “Activate/Suspend the Electronic Filing Service (Contributions of the Obligatory System)”, and submit the completed form, together with the documents required for the employer’s industry category to a service point of the FSS.
If an employer has once successfully reported the employee’s employment information through the "Business & Associations Platform", the Social Security Fund’s Electronic Filing Service will be activated at the same time.

4. If an employer has hired local long-term employees, causal workers and non-resident workers, does he/she need to apply separately for the service?

No. For employers who have been approved to use the Electronic Filing Service, three services will be provided for them at the same time － Contributions of the Obligatory System (Long-Term Employee), Contributions of the Obligatory System (Casual Worker) and Employment Fee for Non-Resident Workers.

5. How can I log in to the Electronic Filing System after being approved to use the Service?

- Log in with the entity account of “Macao One Account”: After entering the Electronic Filing System with the Staff Login Number (Administrator), you may set up a master account using the account management function. The master account holder must log in to the System with the account name and password of his/her Staff Login Number.
- Log in with the individual account of “Macao One Account”: Employers, who are commercial entrepreneur－natural person, freelance and specialized professional (e.g. doctor, lawyer) or start a business as an individual (e.g. market stall tenant), can assign a master account holder to log in to the System with the account name and password of the individual account of “Macao One Account”.

6. Who can become the master account holder and the sub-account holder?

Under normal circumstances, the employer him/herself, the employer’s legal representative or the authorized person is the master account holder of the company. The master account can use the System’s function to add sub-account(s) on his/her own and allow the relevant personnel to assist with the processing of the employees’ contribution data.

7. How to add and cancel a master account?

• Log in with the entity account of “Macao One Account”：
After entering the Electronic Filing System with the Staff Login Number (Administrator), a master account can be set up using the account management function.
• Log in with the individual account of “Macao One Account”:
To add and cancel a master account holder, you may fill in the form “Electronic Filing Service (Contributions of the Obligatory System) To Add and Cancel a Master Account” and submit the completed form, together with a photocopy of the front and back of the new master account holder's ID card/a photocopy of his/her passport* to the FSS for applying to add and cancel a master account.
(*The information submitted must be consistent with the information for applying the individual account of “Macao One Account”)

8. For employers using the Electronic Filing Service, when can they report their staff's employment information?

Employers who have local long-term employees can go through the formalities for reporting the employment information of long-term employees from the first day of the employee’s work quarter to the last day of the contribution month.
From the first day of the employee’s work month to the last day of the following month, employers who have local casual workers can report the number of working days of their casual workers.

9. If an employer has hired an employee who has never enrolled as a beneficiary of the Social Security Fund, how should the employer enroll him/her as a beneficiary?

The employer can fill out the electronic version of Form for Enrollment of Beneficiary (Local Employee) through the System and upload the electronic file of the employee’s scanned Macao SAR Resident ID Card (front and back) and declare that all the information on the form has been verified by the employee. Then, the beneficiary’s enrollment procedures are completed.

10. If a company has staff change of long-term employees within the quarter or if it has hired a casual worker in the month, how should the company complete the reporting procedures?

Users can log in to the Electronic Filing System during the relevant reporting period and report the long-term employees’ employment information or the casual workers’ number of working days using the “Reporting Function”.
After completing the data input of the staff’s employment information, the master account needs to “submit” the employee data to the Social Security Fund within the reporting period.

11. When can employers view and download the Electronic Filing－Payment Advice of Contributions of the Obligatory System (Long-Term Employees) and the Local Employee List from the System?

1) If the local long-term employees have no change during the quarter or the master account “submits” the employee data during the employee's work quarter, the information can be viewed and downloaded from the first day of the contribution month to the last day of the month.
2) If the master account “submits” the employee data between the first day of the contribution month and the second last working day of the month, the information can be viewed and downloaded from the day that immediately follows the submission of data to the last day of the month.

12. When can employers view and download the Electronic Filing－Payment Advice of Contributions of the Obligatory System (Casual Workers) and the Local Employee List from the System?

1) If the master account “submits” the employee data between the first day of the employee's work month and the third day of the month that immediately follows, the information can be viewed and downloaded from the first day of the contribution month to the last day of the month.
2) If the master account “submits” the employee data between the fourth day of the month that immediately follows the employee’s work month and the second last working day of the month, the information can be viewed and downloaded from the day that immediately follows the submission of data to the last day of the month.

13. When can employers view and download the Electronic Filing－Payment Advice of Employment Fee for Non-Resident Workers and the List of Non-Resident Workers Required to Pay Employment Fee from the System?

Employers can view and download the information from the 1st day of the payment month to the last day of the month.

14. When is the deadline for payment of Electronic Filing－Contribution/Employment Fee Payment Advice?

Contributions of the Obligatory System (Long-Term Employee) and Employment Fee for Non-Resident Workers: Pay on a quarterly basis. The contributions of long-term employees and employment fee for non-resident workers for the preceding quarter are paid in January, April, July and October;
Contributions of the Obligatory System (Casual Worker): Contributions of the casual workers should be paid in the month that immediately follows the employee’s working month.

15. What are the payment channels available to employers using the Electronic Filing Service?

For employers using the Electronic Filing Service, in addition to the service points of Social Security Fund, "Macao One Account" mobile app / online platform, designated Public Services Centres and Stations under the Municipal Affairs Bureau*, payment counter of designated banks*, they can also make their payment through electronic payment channels such as the AutoPay, online banking*, and ATMs of Jetco Network*.
* Applies to employers in the following situations:
(1) Long-term employee:
- The master account downloaded on the first day of the contribution month the Contribution Payment Advice of local long-term employees who “had no change” during the quarter;
- The master account “submitted” the employee data during the long-term employee’s work quarter;
(2) Fixed-term labour contract (Casual workers):
- The master account “submitted” the employee data between the first day of the casual worker’s work month and the third day of the month that immediately follows.

16. How can employers check the Record of Payment after making their payment through various payment channels?

For employers who have paid their contributions in the contribution month, they will be able to view or download from the System information such as the Record of Payment and the Payment List of Local Employees, from the 10th day of the month that immediately follows the contribution month, and all the information will be kept in the System for one year starting from that date.

Business & Associations Platform

1. What specific services of the Social Security Fund can be handled on the "Business & Associations Platform"?

Currently, employers can use the online platform or mobile app of "Business & Associations Platform " to report new hires and employment termination for the Salaries Tax of Financial Services Bureau as well as the Obligatory System Contributions of Social Security Fund, and report monthly contribution information of casual workers. If a non-resident worker is hired, employers can also view and download the Payment Advice and the List of Non-Resident Workers Required to Pay Employment Fee. At the same time, relevant payments can be made within the statutory contribution month.

2. How to apply and activate the "Report New Hires and Employment Termination" and "Report Monthly Contribution Information of Casual Workers" services on the "Business & Associations Platform"?

Employers only need to log in to the online platform or mobile app of "Business & Associations Platform" with an "Entity User Account" or "Individual User Account of Macao One Account" to use the relevant services. (Three services: Electronic Filing – Contributions of the Obligatory System (Long-Term Employees), Contributions of the Obligatory System (Casual Workers), and Employment Fee for Non-Resident Workers will be simultaneously activated for employers who have used the "Business & Associations Platform".)

3. If an employer has hired local long-term employees, casual workers and non-resident workers, does he or she needs to apply for the service separately?

Unnecessary. Employers only need to log in to the online platform or mobile app of "Business & Associations Platform" with an "Entity User Account" or " Individual User Account of Macao One Account " to use the three categories of services: Contributions of the Obligatory System (Long-Term Employees, Casual Workers), and Employment Fee for Non-Resident Workers.

4. How to log in to the system of "Business & Associations Platform"?

- Log in using the Entity User Account of Macao One Account: Click "Entity" in the login screen of the online platform or mobile app of "Business & Associations Platform", enter the Entity Number, and log in with the account name and password of "Macao One Account’s Entity User Account - Staff Login Number".
- Log in using the Individual User Account of Macao One Account: A commercial entrepreneur – natural person, freelance and specialized professional (e.g. doctor, lawyer) or an employer who starts a business with the identity of an individual (e.g. market stall lessee) can click "Individual" in the login screen of the online platform or mobile app of "Business & Associations Platform", and log in with the account name and password of "Individual User Account of Macao One Account".

5. What should the user do if he or she forgets the account name and password of his or her “Macao One Account”?

You can refer to the instructions on the website of "Macao One Account" to reset them. For details, please refer to:
Entity User Account of Macao One Account: https://entity-account.gov.mo/corp-entity-web/help?lang=en;
Individual User Account of Macao One Account: https://account.gov.mo/account/index.html?lang=en#/help.

6. How to manage the use of Social Security Fund’s electronic services by subordinates in the "Business & Associations Platform"?

Log in to the system of Macao One Account (website: https://entity-account.gov.mo/) with the Entity User Account - Staff Login Number (administrator), then click on "List of Government Services" and select "Business & Associations Platform - Report New Hires", "Business & Associations Platform - Report Employment Termination", "Report Monthly Contribution Information of Casual Workers", (" Business & Associations Platform - Employees of trading companies / Corporate employees") respectively, and configure in the group a Staff Login Number with permission to use the service. After completing the configurations, the authorized personnel can use the related services on the "Business & Associations Platform".
Please refer to "Guidelines on Setting Permissions for Social Security Fund’s Services on Business & Associations Platform".

7. What is the time (reporting period) to report new hires and employment termination for the local long-term employees?

8. What is the time (reporting period) to report the number of working days of my local casual workers?

From the first day of the employee’s work month to the last day of the following month, employers who have local casual workers can report the number of working days of their casual workers.

9. How to report new hires and employment termination on the "Business & Associations Platform"?

Users can select "Report New Hires and Employment Termination" from the online platform or mobile app of "Business & Associations Platform" to report staff changes.
(If the relevant employee is a casual worker, after reporting the employment start date, the number of working days of the casual worker must be reported in the "Report Monthly Contribution Information of Casual Workers" at the same time.)

10. If there is no staff change for long-term employees of my company during the quarter, do I still need to report?If there is no staff change for long-term employees of my company during the quarter, do I still need to report?

If there is no staff change for local long-term employees during the quarter, you can directly download the Payment Advice from the online platform or mobile app of "Business & Associations Platform" on the first day of the contribution month and make the payment.

11. When can employers view and download the Electronic Filing – Payment Advice of Contributions of the Obligatory System (Contributions for Long-Term Employees), and the Local Employee List from the “Business & Associations Platform”?

1) If a master account "submits" the information during the employee's work quarter, the information can be viewed and downloaded between the first day of the contribution month and the last day of the month;
2) If a master account "submits" the information during the period from the first day of the contribution month to the last day of the month, the information can be viewed and downloaded from the submission date of information to the last day of the month.

12. When can employers view and download the Electronic Filing – Payment Advice of Contributions of the Obligatory System (Contributions for Casual Workers), and the Local Employee List from the “Business & Associations Platform”?

1) If a master account "submits" the information during the employee’s work month, the information can be viewed and downloaded between the first day of the contribution month and the last day of the month;
2) If a master account "submits" the information during the period from the first day of the contribution month to the last day of the month, the information can be viewed and downloaded from the submission date of information to the last day of the month.

13. When can employers view and download the Electronic Filing – Payment Advice of Employment Fee for Non-Resident Workers, and the List of Non-Resident Workers Required to Pay Employment Fee from the “Business & Associations Platform”?

Employers can view and download the information from the first day of the payment month to the last day of the month.

14. When is the deadline for payment of contributions?

Contributions of the Obligatory System (long-term employees), employment fee for non-resident workers: contributions for long-term employees, and employment fee for non-resident workers for the preceding quarter, are paid quarterly, in January, April, July and October; Contributions of the Obligatory System (casual workers): contributions for casual workers are paid within the month that immediately follows the employee’s work month.

15. Through what channels can employers reporting the employee’s employment information on the "Business & Associations Platform" make the payment?

Employers reporting the employee’s employment information on the "Business & Associations Platform" can use the mobile app/online platform of the "Business & Associations Platform" and the "Macao One Account", online banking*, automatic payment, ATMs of JETCO Network*, designated Public Services Centres and Stations under the Municipal Affairs Bureau*, payment counter of designated banks*, and service points of the Social Security Fund.
* Applicable to employers in the following situations:
(1) Long-term employees:
- The “No Staff Change” Payment Advice for local long-term employees during the quarter downloaded on the first day of the contribution month;
- The master account “submits” information within the work quarter of long-term employees;
(2) Fixed-term labour contract (casual workers):
- The master account “submits” information during the period from the first day of the casual worker’s work month to the third day of the following month.

16. How can employers reporting the employee’s employment information on the "Business & Associations Platform" view their payment records after making their payments through various payment channels?

Starting from the 10th day of the month following the contribution month, employers who have completed the payment within the contribution month can view or download the Record of Payment and the Payment List of Local Employees. The relevant information will be kept in the system for one year from that date.