When I first applied for an SSS Salary Loan abroad, I quickly learned that without DAEM, nothing could move forward. The Disbursement Account Enrollment Module (DAEM) isn’t just another requirement — it’s the bridge that ensures loan proceeds and benefits from SSS reach us directly, no matter where we are in the world.
What Is DAEM?
DAEM is an online feature in My.SSS that allows members — including OFWs — to register a disbursement account where SSS will directly credit loans or benefits. Instead of waiting for paper checks or manual releases, funds are sent straight to your:
- Bank account (via PESONet)
- E-wallet (like GCash or PayMaya)
- Remittance/Cash payout outlets (like M Lhuillier)
This makes the process faster, safer, and trackable compared to traditional methods.
Why OFWs Should Care
As OFWs, DAEM makes a big difference:
- No need to fly home just to claim loans or benefits.
- Avoid long delays caused by mailing or manual processing.
- Secure transfers directly to your account.
- Global access — as long as your account is DAEM-enrolled and SSS-approved.
From maternity and sickness benefits to salary loans and retirement claims, DAEM ensures that money reaches you wherever you’re working.
How to Enroll via DAEM (Step-by-Step for OFWs)
Before You Start
- Have a My.SSS account.
- Prepare a PESONet bank account, e-wallet (GCash, PayMaya), or remittance payout account under your name.
- Get a clear scanned copy/photo of proof of account (ATM card, passbook, certificate, or screenshot).
Enrollment Steps
- Log in to your My.SSS account.
- Go to E-Services → Disbursement Account Enrollment Module.
- Tick the acknowledgment box and click Proceed.
- Select your disbursement option:
- PESONet bank
- E-wallet
- Remittance/Cash Payout Outlet
- Choose your provider from the dropdown list.
- Enter and confirm your account number (no spaces or dashes).
- Upload proof of account (JPEG or PDF):
- ATM card with name and number
- Bank certificate or statement
- Passbook
- Screenshot of online banking
- Validated deposit slip
- Tick the Data Collection and Usage Clause box.
- Click Enroll Disbursement Account → OK.
- Wait for email confirmation from SSS.
- Check DAEM page for status: Pending, Approved, or Disapproved.
Important Reminders for OFWs
- Exact name match — Your account name must match your SSS record.
- Only one active account — You can enroll up to 3, but only one will be active for disbursement.
- Update if you switch banks or e-wallets — Outdated accounts lead to failed transfers.
- For cash payout — Make sure you can present a valid ID when claiming abroad.
- UMID-ATM option — If you already have a UMID-ATM card, you can use it instead.
Pro Tip for Loan Applications
If you’re applying for an SSS Salary Loan, DAEM enrollment is mandatory. Without it, your loan can’t be processed or released. That’s why it’s best to enroll your disbursement account first before even filing the loan application.
Frequently Asked Questions
- Is DAEM required for all SSS transactions?
Yes, for all loan and benefit disbursements. - Can I enroll multiple accounts?
Yes, up to 3 accounts, but only one will be active for payouts. - How long does approval take?
Usually a few working days, depending on verification. - Can I use GCash for DAEM?
Yes, GCash is an accepted e-wallet option. - What happens if my DAEM account is disapproved?
You’ll need to correct the details or upload a clearer proof of account before re-enrolling.
Conclusion
For OFWs like us, DAEM is more than just an online form — it’s the assurance that when we need financial help from SSS, the money gets to us quickly and securely. Whether it’s a loan for emergencies, tuition support for our kids, or retirement benefits, enrolling in DAEM is the first step in making sure we stay connected to our benefits wherever we are in the world.