SSS ACOP Online Guide: How to Comply Using Facial Authentication
Learn how to comply with SSS ACOP online using facial authentication in 2026. Step-by-step guide for pensioners, exemptions, and appointment options.
The SSS Annual Confirmation of Pensioners (ACOP) program requires certain pensioners to verify their identity each year to continue receiving their monthly pension. In 2026, SSS now offers an online ACOP option using facial authentication through the Philippine National ID (PhilSys) system — making compliance faster and more convenient than ever. This guide covers everything you need to know: who needs to comply, who is exempt, and how to complete ACOP online.
What Is ACOP?
The Annual Confirmation of Pensioners (ACOP) is a yearly verification program mandated under Republic Act No. 11199 (Social Security Act of 2018). It requires eligible pensioners to report to the SSS to confirm they are still alive and entitled to receive their monthly pension benefits.
The program ensures that pension funds are disbursed only to rightful beneficiaries and prevents fraudulent claims.
Who Must Comply With ACOP?
The following pensioners are required to comply with ACOP every year:
| Pensioner Type | Requirement |
|---|---|
| Retirement pensioners living abroad | Must comply annually (OFW guide) |
| Total disability pensioners | Must comply annually |
| Survivor (death) benefit pensioners | Must comply annually |
| Dependent children under guardianship | Must comply annually |
| Retirement pensioners aged 80+ in the Philippines | Must comply (since March 2024) |
Who Is Exempt From ACOP?
Retirement pensioners residing in the Philippines (below age 80) are exempt from ACOP compliance. This exemption has been in effect since October 30, 2017.
According to SSS leadership, the agency “devised a way that will no longer require our pensioners to do the annual reporting to SSS” by implementing various verification procedures to confirm if a retirement pensioner is still alive and entitled to their monthly pension.
Important: Even though PH-based retirement pensioners under 80 are exempt, survivor, disability, and dependent pensioners must still comply regardless of where they reside.
What Happens If You Don’t Comply?
Non-compliance has serious consequences:
- Pension suspension — Your monthly pension will be automatically suspended one month after your birth month if you fail to comply
- Permanent cancellation — If your pension remains suspended for two consecutive years, it will be permanently cancelled
If your pension is suspended, it can be resumed within two months from the date of compliance, and all back payments will be credited.
How to Comply With ACOP Online (Facial Authentication)
The newest and most convenient way to comply with ACOP is through online facial authentication using the PhilSys (National ID) system. Here’s how:
Requirements
- A registered Philippine National ID (PhilSys)
- Your SS Number
- Your date of birth
- A device with a camera (smartphone, tablet, or laptop)
Step-by-Step Process
Step 1: Go to the SSS ACOP Page
Visit the official SSS website and click “Submit ACOP compliance” on the landing page.
Step 2: Confirm National ID Registration
Confirm that you are registered in the National ID System. Read and accept the Data Sharing Consent and Undertaking terms.
Step 3: Enter Your Information
Input your SS Number and date of birth, then click Submit.
Step 4: Verify Your Name
The system will display your registered name. Confirm that the information is correct by clicking “Yes.”
Step 5: Declare Marital Status (Survivor Pensioners Only)
If you are a survivor (death) pensioner, you will be asked whether you have remarried. Select the appropriate answer.
Step 6: Complete Facial Authentication
You will be redirected to the PhilSys authentication page. Review the on-screen instructions, then click “Start Liveness” to begin the process. The system will:
- Capture a live selfie using your device’s camera
- Perform liveness verification to confirm you are physically present
- Match your face against your National ID biometric records
Step 7: Save Your Confirmation
Upon successful validation, you will see a confirmation page. Take a screenshot or print this page as proof of your ACOP compliance.
Tip: Make sure you are in a well-lit area and position your face clearly in front of the camera for the best results during facial authentication.
How to Set Up an ACOP Appointment (Alternative Method)
If you prefer not to use facial authentication or don’t have a National ID, you can comply through an appointment:
Step 1: Log In to the My.SSS Portal
Visit the SSS Member Portal and log in to your account. Select “Set Appointment” from the Quick Links menu.
Step 2: Select Your Purpose
Choose “Compliance to Annual Confirmation of Pensioners (ACOP)” from the Purpose dropdown.
Step 3: Choose Your Compliance Method
Select one of the following options:
- Video conference via MS Teams or Viber (for domestic pensioners)
- Over-the-counter visit at an SSS branch
- Video conference via MS Teams with OFW Contact Services Section (for pensioners abroad)
Step 4: Fill In Your Details
Provide the following:
- Region and branch location
- Preferred date and time for your appointment
- Any additional concerns
For overseas pensioners: Select “POEA & Foreign Offices” as your region and “OFW Contact Services Section” as your branch.
Step 5: Confirm Your Appointment
Review your information and click “Set Appointment” to finalize. Check your account’s Inbox Notification for confirmation details.
Other Ways to Comply With ACOP
For Pensioners in the Philippines
- Email — Submit completed ACOP form and documents to your assigned SSS branch
- Mail or courier — Send documents to your branch address
- In-person — Visit any SSS branch, service office, or depository bank
- Representative — A representative can submit on your behalf
- Home visit — Request a home visit from SSS (for bedridden or mobility-impaired pensioners)
For Pensioners Abroad
- Video conference — Via MS Teams with your assigned Foreign Representative Office
- Email — Submit to the SSS Foreign Representative Office
- Mail or courier — Send documents to the SSS Foreign Representative Office
Required Documents for ACOP
If you are complying through email, mail, in-person, or representative submission, prepare the following:
| Document | Details |
|---|---|
| ACOP Form | Specific form varies by pensioner type |
| Valid ID | One primary government ID or two secondary IDs |
| Current photo | A photo of yourself holding a dated newspaper or beside a news broadcast showing the headline and date |
Note: The online facial authentication method does not require these documents — only your SS Number, date of birth, and National ID registration.
ACOP Compliance Deadlines
Pensioners must comply with ACOP within their birth month each year. If you miss the deadline:
- Your pension will be suspended one month after your birth month
- You can resume it by complying at any time within two years
- After two years of suspension, pension is permanently cancelled
Frequently Asked Questions
Is ACOP required for all SSS pensioners?
No. Retirement pensioners residing in the Philippines (under age 80) are exempt from ACOP. Only retirement pensioners abroad, those aged 80+, total disability pensioners, survivor pensioners, and dependent children under guardianship are required to comply.
What do I need to comply with ACOP online?
You need a registered Philippine National ID (PhilSys), your SS Number, your date of birth, and a device with a camera. The process uses facial authentication to verify your identity.
Can I comply with ACOP even if I don’t have a National ID?
Yes. You can comply through other methods such as video conference, email, mail, in-person visit, or through a representative. Set up an appointment through the My.SSS portal.
What happens if I miss the ACOP deadline?
Your monthly pension will be suspended one month after your birth month. If you remain non-compliant for two consecutive years, your pension will be permanently cancelled. You can resume a suspended pension by complying, and back payments will be credited within two months.
Can someone else comply with ACOP on my behalf?
Yes. A representative can submit your ACOP documents on your behalf at any SSS branch. You can also request a home visit if you are bedridden or have mobility issues.
Official SSS References
- Comply to the ACOP Program — SSS official page
- ACOP Through Facial Authentication — Online compliance guide
- Set Up Your ACOP Appointment — Appointment booking guide
- SSS Chief Clarifies ACOP Exemptions — Exemption details
This guide is for informational purposes only. For the most current ACOP requirements and procedures, visit the official SSS website or contact the SSS hotline.