Archive for June, 2016


Validity Extension

If you’ve ever lined up to get your driver’s license and passport renewed, you pretty much have an idea how these processes can take up so much of your schedule.  Both are needed in order to perform mundane tasks such as driving yourself to work and your children to school, or traveling for business or leisure.  And because of that, you have no choice but to go through the renewal processes, at least once every five years.

The incoming administration is reportedly considering the extension of the validity periods of Passports and Driver’s Licenses — from the short period of five years for passports and three years for driver’s licenses, to 10 years for both.

According to recent reports, the idea stemmed from the public’s clamor for means to save on time, effort, and money when processing the renewal of these IDs.  The DFA also considered the fact that the U.S. Embassy now grants 10-year multiple entry visas to Pinoy applicants and thus, it is but fitting to make passports valid for the same period for the traveler’s convenience.

The public is forewarned that should the idea progress and be implemented soon, they can expect additional costs on the processing of the said IDs.  A 10-year passport validity would mean more pages (from 44 pages to 60 pages) and that would entail cost.

Are you in favor of this proposal or would you rather retain the current validity periods for passports and driver’s licenses?

Source: http://news.abs-cbn.com/video/nation/06/28/16/duterte-admin-eyes-longer-validity-for-passports-licenses

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Centenarians

Is your Lola more than 100 years old already?  Are your grandparents celebrating their 100th birthday anytime soon?  Well, here’s a birthday gift they will truly love!

The government has finally enacted into law Republic Act 10868!  Under this law, all Filipinos who reach the age of 100 will be awarded with a cash gift of P100,000.00 and will receive a letter felicitation from the President of the Philippines.  Pinoy centenarians in the country or abroad are all entitled to this exciting gift.  Apart from that, they will also be given a plaque of recognition and additional cash gifts from their city or municipal governments.  These will be given during the National Respect for the Centenarians Day, set to happen every 25 of September, yearly.

 Based on statistics, there are about 3,500 Filipinos who are qualified to benefit from the said Centenarian Act.

Share this good news to your family members!

For more information regarding the Centenarian Act, you may visit: http://www.gmanetwork.com/news/story/571491/news/nation/pnoy-signs-law-giving-p100k-cash-gifts-to-centenarians

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SSS Educational Loan

If you need additional funds for your children’s college tuition fees, you may seek help from the Social Security System (SSS) through the SSS Educational Loan Program.  This is open to SSS members who meet the following criteria:

(a). Payments for existing salary/housing loan amortization must be updated.  Overdue amount must not exceed three (3) monthly loan amortizations;

(b). Member must have paid at least thirty-six (36) monthly contributions, three (3) of which should be within the last twelve (12) months prior to the date of application of the loan;

(c). Member’s last posted Monthly Salary Credit must be Php15,000 or below while actual monthly basic salary must not be more than Php25,000.

Amount of Loan a Qualified Member may Apply For

The loan amount is determined primarily by the type of course the member or beneficiary is taking up.

(a). Degree Courses – Maximum of Php20,000.00 per semester/trimester/quarter term or actual tuition/miscellaneous fees, whichever is lower, rounded off to the next higher Php100.

(b). Vocational/Technical Course (minimum of 2 years) – Maximum of Php10,000 per semester/trimester or actual amount of tuition/miscellaneous fees, whichever is lower, rounder off to the next higher Php100.

A 6% interest per annum based on diminishing principal balance shall be applied on the loan amount.  For unpaid loan amortizations, a 1% penalty shall be applied per month.

Who can be covered by the program?

The proceeds of the educational loan can be used by the following:

(a). Member-borrower

(b). Member-borrower’s legal spouse

(c). Child of SSS member (including illegitimate)

(d). Siblings of unmarried SSS member (including half-brother/sister)

A married member-borrower are allowed to apply for up to two (2) beneficiaries, including himself.

What are the required documents for application?

(a). SSS ID or two (2) valid IDs.

(b). Accomplished application form.

(c). Assessment/Billing statement issued by the school of member/beneficiary.

(d). Proof of monthly salary/income.

(e). Income Tax Return or affidavit of income (for self-employed/voluntary paying).

You may download a copy of the Educational Assistance Loan form here.

Source:

https://www.sss.gov.ph/sss/appmanager/sss_downloads.jsp?type=forms

http://www.efrennolasco.com/how-to-avail-sss-educational-assistance/

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AlkanSSSya2

Narito ang pagpapatuloy ng article tungkol sa AlkanSSSya Program ng SSS.  Tulad ng nabanggit kahapon, ang AlkanSSSya ay isang programang inilunsad ng SSS para mabigyan ng pagkakataon an gating mga kababayan sa Informal Sector Groups na makapag ipon para sa kanilang retirement at mga emergency needs sa ilalim ng SSS.

Ano ang mga Tungkulin Mo Bilang Miyembro ng AlkanSSSya?

  1. Ano mang pagbabago sa iyong personal information (nagbago ng apelido o civil status, nagbago ng mga beneficiaries, mobile number, etc.) at sa halaga ng iyong kontribusyon o Monthly Salary Credit (MSC) ay dapat na ipaalam agad sa SSS.  Manghingi ng AlkanSSSya Program Masterlist Form at Member’s Data Amendment Form (SS Form E-4) sa pinaka malapit na SSS branch.  Ilagay lahat ng mga impormasyon na hinihingi ng mga forms at i-submit ito sa SSS.
  2. Siguruhing nakakaipon kayo ng hindi bababa sa P330.00 tuwing katapusan ng buwan.  Iwasang lumiban.
  3. Makakatanggap kayo ng text message para sa schedule ng monthly computation o buwanang pagkwenta ng inyong hulog.  Ito ay gagawin tuwing katapusan ng buwan.  Siguruhing updated ang inyong mobile number na naka deklara sa SSS para matanggap ninyo ang announcement ng schedule.
  4. Tiyakin na naire-remit ng inyong asosasyon ang iyong kontribusyon sa tamang Collecting Agent.
  5. Siguruhing tama ang spelling ng iyong pangalan, SS number, at halaga ng kontribusyon sa Contribution Collection Posting Report na nanggagaling sa SSS.  Ito ay dapat na naka paskil sa bulletin board ng inyong asosasyon.
  6. Ugaliing bumisita sa website ng SSS para malaman ang mga pagbabago o updates sa mga programa at patakaran ng SSS.  (http://www.ss.gov.ph)
  7. Kung may mga katanungan tungkol sa AlkanSSSya Program, maaaring magtungo sa pinaka malapit na SSS branch o kaya ay tumawag sa mga sumusunod na numero:02-435-9832

    02-920-6401 local 6415 o 6417

Ang pag-iipon ay ginagawa natin para maging handa sa mga pangyayari sa buhay na hindi inaasahan tulad ng pagkakaroon ng sakit, aksidente, at mga biglaang pangangailangan.  Ang SSS ay isang ahensyang mapagkakatiwalaan natin sa perang ating pinag hirapan.  Hindi mahalaga kung malaki o maliit ang ating sinusweldo; ang SSS ay nagbibigay ng mga programa para makatulong sa bawat Pilipino na siguruhin ang kanilang kinabukasan.  Ang maliliit na halaga na ating naitatabi habang tayo ay malakas pa ay pakikinabangan din natin sa panahong hindi na natin kayang mag trabaho.

Ibahagi natin ang balitang ito sa lahat ng ating mga kaibigan at kamag-anak para makatulong.

Source: http://www.usapangsss.ph/forum/viewtopic.php?f=18&t=47

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AlkanSSSya

Ang bawat Pilipino na naghahanap-buhay ay dapat naka lista bilang miyembro ng Social Security System o SSS.  Bukod sa mga benepisyo tulad ng Sickness, Maternity, at Disability, ang SSS din ang inaasahan ng maraming Pinoy na pagkukunan ng kanilang pension sa kanilang pag tanda.

Ngunit papano kung ikaw ay nabibilang sa tinatawag na Informal Sector Group (ISG)?  Papano kung ang pang-araw-araw mong kinikita ay hindi sapat para makapag tabi ng monthly contribution sa iyong SSS membership?  May paraan ba para mabigyan din sila ng pagkakataon na mapabilang sa mga covered members ng SSS?

Ang AlkanSSSya Program

Nag lunsad ang SSS ng tinatawag na AlkanSSSya Program.  Ito ay isang paraan ng pag-iimpok na idinisenyo para sa mga manggagawa ng Informal Sector Group para sa kanilang SSS contribution.

Sino ang maaaring sumali sa programang ito?

Ang mga sumusunod ay maaaring sumali sa AlkanSSSya Program:

  • Operator ng jeepney
  • Driver ng jeepney
  • Tricycle at trisikad drivers
  • Nagtitinda sa palengke
  • Magsasaka
  • Mangingisda
  • Nangongolekta ng basura
  • Bilanggo
  • Nagta-trabaho sa golf course
  • Empleyado ng barangay at tanod mula sa local government units at iba pang self-employed individuals.

Ano ang mga kailangan para makasali?

  • PSA Birth Certificate
  • Dalawang valid IDs na may lagda; ang isa ay dapat may litrato
  • Kailangang miyembro ng organisadong grupo ng Informal Sector Group na may kumpletong opisyal mula Pangulo, Pangalawang Pangulo, Kalihim, Ingat-Yaman, at iba pa.

Pumunta sa pinaka malapit na SSS branch at manghingi ng Application Form para sa AlkanSSSya Program.  Kapag naisulat na ang lahat ng impormasyon na hinihingi, ibigay ito sa inyong organized Informal Sector Group.

Magkano ang maaaring ihulog sa AlkanSSSya Program?

Malaya ang miyembro na mag desisyon kung magkano ang nais niyang ihulog sa kanyang AlkanSSSya.  Kailangan lang na makaipon siya ng hindi bababa sa P330 kada buwan bilang kontribusyon.  Ito ay ayon sa P3,000 na Monthly Salary Credit (MSC).

Saan pwedeng mag hulog ng kontribusyon ang mga miyembro?

Maaaring mag bayad ang mga AlkanSSSya Program members sa mga sumusunod:

  • SSS Tellering Facilities
  • Accredited Commercial, Thrift, at Rural Banks
  • Accredited Cooperatives
  • Ican CTI

Maaaring makipag ugnayan ang mga miyembro sa pinaka malapit na SSS branch o tumawag sa mga sumusunod na numero:

02-435-9832

02-920-6401 local 6415 hanggang 6417

Ano ang mga benepisyo na maaaring matanggap ng isang self-employed member ng AlkanSSSya Program?

Benepisyo sa Pagakakasakit – daily cash allowance na ibinabayad para sa mga araw na ang isang miyembro ay hindi nakapag trabaho dahil siya ay may sakit o napinsala.

Benepisyo sa Panganganak – daily cash allowance para sa mga babaeng miyembro na hindi nakapag trabaho dahil sa panganganak o miscarriage.

Benepisyo sa Pagkabalda – halagang ipinagkakaloob sa miyembro na nagkaroon ng pansamantala or permanenteng disability o kapansanan dahil sa sakit o aksidente.  Maaring matanggap ito buwan-buwan o lump sum.

Benepisyo sa Pagreretiro – cash benefit para sa mga miyembrong hindi na makakapag trabaho dahil umabot na sila sa edad ng pagreretiro.  Maaaring matanggap ito buwan-buwan o lump sum.

Benepisyo sa Pagkamatay – cash benefit na ibinabayad sa beneficiaries ng siang namatay na miyembro; maaaring matanggap buwan-buwan o lump sum.

Benepisyo sa Pagpapalibing – cash benefit na ibinibigay sa sinumang nagbayad ng burial expenses ng namatay na miyembro.

Pautang – may pribilehiyo ang miyembro para sa personal na pangangailangan sa ilalim ng mga loan programs tulad ng salary loan, housing, house repair and improvement loan.

Bukas, ibabahagi naming ang mga tungkulin na kailangang gampanan ng isang AlkanSSSya member at ang mga patakaran ng SSS para sa mga Informal Sector Group.

Source: http://www.usapangsss.ph/forum/viewforum.php?f=18&sid=fbc518f8654114a3e64bf4215192269e

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Philhealth Benefits

Are you a Philhealth member?  Do you regularly check if your contributions are posted on your account?  What could be the reasons why a paying member may not be able to use his Philhealth benefits?

Regular remittance of premium contributions must be maintained in order for a Philhealth member to avail of the benefits seamlessly.  Philhealth does not accept retroactive payments such that, if the member missed paying a certain period, he may not be able to use his Philhealth benefits.

Below is a summary of Philhealth’s Eligibility Requirements, based on the paying member’s type of membership:

Sponsored Membership Date of hospitalization / availment must be within the effectivity period indicated in the member’s ID and MDR.
Individually Paying Members (IPM)
  1. There are certain confinement cases wherein three months’ worth of premium within the last six months (3/6) prior to confinement is acceptable.
  2. For pregnancy-related cases, dialysis, chemotherapy, radiotherapy, and other selected surgical procedures, the member must have paid nine months worth of premium within the last twelve months (9/12) prior to confinement.
Lifetime Member The member just has to show their Lifetime ID card; no need to pay premium anymore.
Employed Members Three months worth of premium within the last six months (3/6) prior to hospitalization.
Overseas Workers (OWP)
Date of hospitalization / availment must be within the coverage period specified in themember’s MDR.

How to maintain member’s eligibility?

The secret is simple: pay your premiums on time.  Any discrepancies or gaps in your premium contributions will definitely affect your eligibility to claim benefits.  Here are some tips to help you secure your Philhealth benefits:

a. Sponsored Members:

  • Member’s card must be kept updated all the time.  If card is about to or has expired already, Sponsored Member must proactively ask his Sponsor if his membership will still be renewed.
  • If Sponsor will no longer renew the Sponsored Member’s membership, the latter has the option to register as an Individually Paying Member.

b. Individually Paying Member (IPM)

  • He must make sure that each quarter of the year has been paid (and all payments are posted in his account).
  • You have the option to pay your premiums yearly (advance payments) for security and convenience.

c. Overseas Workers Program Member (OWP)

  • All premiums must be remitted and posted on member’s account before membership expires.
  • In cases when contract abroad has been terminated, inform Philhealth to process shifting of membership category from OWP to IPM (or other applicable categories).  Pay the corresponding premiums right away to avoid gaps in your contributions.

d. Employed Members

  • If you are an employed member and you will be taking a Leave Without Pay, you may pay your monthly contributions at any nearest Philhealth office under the IPM category.
  • Remember to bring a copy of your RF-1 issued by your employer (to attest to the fact that you are indeed on Leave without Pay status).
  • In case you resign or get separated from work, you have to shift your membership category to IPM.

Remember that Philhealth does not have a “grace period” for missing your monthly contributions.  Once a month is left unpaid, the member can no longer make a retroactive payment.  These gaps will impact your and your dependents’ benefit claims, so make sure your payments are properly posted and your account is consistently updated.

Source: https://www.scribd.com/doc/115987403/Phil-Health-FAQs

Non Remittance of SSS

A person’s SSS membership must be kept active at all times.  Keeping your information, contributions, and loan payments (if you have any) updated help you avoid inconveniences when claiming for your benefits later on.

But what if a member (whether employed or voluntary) or his employer fails to update the SSS contributions and payments?  What are the effects of non-reporting and non-remittance of contributions to the SSS?  Let us find out.

For Employed Members

The employees’ entitlement to his SSS benefits shall remain in spite of his employer’s failure to remit the necessary SSS contributions.

For Self-employed and Voluntary Members

It is important for self-employed individuals to know that they need to be registered members of the SSS, otherwise, they may be subjected to fines.  Voluntary and self-employed members may pay their monthly contributions on time or in advance, but not retroactively.  Meaning, if a member missed a contribution for a particular month, he cannot double his payment for the following month to cover for the month he missed.  The previous month will remain unpaid while his succeeding payments are credited to his SSS account.

For Non-working Spouses who gains employment later on (or declares himself to be self-employed or an OFW), his membership shall be re-classified but he will not be issued a new SSS number.  A member cannot have more than one SSS number; his membership may only be re-classified depending on the updates on his employment status.

For Employers

An employer is considered in violation of SSS laws if he fails to report temporary or provisional employees under his payroll.  In case he fails to remit the corresponding SSS contributions of his employees, he may be punishable by fine and / or imprisonment.  The employer is responsible to deliver the following in favor of the employee, even if he failed to remit the employee’s SSS contributions:

a. Pay the benefits of those who die, become disabled, get sick, or reach retirement age;

b. Pay all unpaid contributions plus a penalty of 3% per month.

As paying SSS members, we can regularly check the progress of our contributions and loan payments online.  You may create your online SSS account at www.sss.gov.ph

Source: https://www.sss.gov.ph/sss/appmanager/pages.jsp?page=faqsmembership

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LTFRB

Kaskaserong driver?  Mabilis na metro ng taxi?  Ayaw magbaba sa tamang hintuan?  Ngayon, may mapag susumbungan na tayo!

Ang Land Transportation Franchising and Regulatory Board (LTFRB) ay nag lunsad ng kanilang 24 x 7 hotline na maaaring tawagan sa pamamagitan ng landline at mobile phones.  At dahil may mobile numbers sila, maaari din silang tumanggap ng text messages at Viber messages.  Maaaring magpadala ng mga litrato (tulad ng mga banggaan, aksidente sa daan, o ng mga driver mismo na nais ireklamo.)  Ang serbisyong ito ay available nationwide.

Lahat ng reklamo sa mga pampublikong sasakyan tulad ng jeepney, UV Express, taxi, bus, at iba pa ay maaari nang itawag o i-text sa kanilang hotline numbers.  Ito ay tutugunan ng mga authorized representatives ng LTFRB, araw man o gabi.

Ang Proseso ng LTFRB

Ang unang aalamin ng LTFRB representative ay kung payag bang mag attend ng hearing ang nagrereklamo.  Kung payag sila, ipadadala ng LTFRB ang kanilang complaint sa Legal Division para ma-isyuhan ng summon ang inireklamong driver, ang operator ng sasakyang minamaneho nito, at ang nagreklamong pasahero.  Sakali naman na hindi makapag commit ang nagreklamong pasahero na siya ay makaka attend ng hearing, padadalhan ng Show Cause Order (SCO) ang inireklamong driver para mabigyan siya ng pagkakataong maipaliwanag kung bakit hindi siya dapat maparusahan dahil sa nai-report na violation.

Hinihikayat ng gobyerno ang kooperasyon ng mga mamayan na gamitin ang mga hotline numbers para i-report ang mga PUV drivers na mapang abuso sa mga commuters at hindi sumusunod sa mga batas trapiko.  Sinisiguro ng LTFRB na ang kanilang mga linya ay bukas ano mang oras at may sasagot na operator na handang tumulong sa mga nangangailangan sa daan.

Narito ang mga numero na maaari nating tawagan:

Landline callers within Metro Manila: 1342

Landline callers outside Metro Manila: 02-1342

Smart/Sun/Talk ‘n Text: 0998-550-1342

Globe and TM: 0917-550-1342

Source: http://www.gov.ph/2015/09/16/247-ltfrb-hotline-launched/

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PagIBIG Affordable Housing Program: What We Need to Know

Pagibig Housing

Owning a home in the Philippines has been made easier and more affordable by the Home Development Mutual Fund or PagIBIG.  When you start early, you should be able to pay your PagIBIG-loaned house in full before you hit your 50s or 60s.  The monthly amortizations are also budget-friendly and are almost at par with the current rates of renting an apartment.

If you have been working for at least 5 years now, you may already be eligible to acquire an Affordable Housing Loan program from PagIBIG.  To help you get started, here are the basic information you need to know about this program:

  1. What can be purchased with the Affordable Housing Loan Program? 
    • Fully developed residential lot or adjoining lots not exceeding 1,000 square meters;
    • Residential house and lot, townhouse, or condominium unit;
    • Construction or completion of a residential unit on a lot owned by the member.
  2. Who can avail of the Affordable Housing Program?
    • Any Pag-IBIG member who meets the following requirements:
      • Must have remitted 24 monthly contributions under Pag-IBIG 1 Membership Program.  If you are a new member, you have the option to pay the 24 monthly membership contributions in lump sum, corresponding to the loan amount applied for.
      • Gross monthly income must not exceed Php 17,500.00 (NCR-based) and Php 14,000 (for workers based in other regions).
      • Not more than 65 years old.
      • Does not have an outstanding Pag-IBIG housing loan.
      • Does not have outstanding multi-purpose loan in arrears.
      • Does not have a previous Pag-IBIG housing loan that was foreclosed, cancelled, bought back due to default or subjected to Dacion en Pago.
  3. How much can a member borrow?
    • Qualified members may borrow up to a maximum amount of Php 750,000.00.  This shall be based on the following:
      • Member’s actual need;
      • Member’s loan entitlement based on gross monthly income, capacity to pay, and loan-to-appraisal value ratio, whichever is the lowest;
      • A maximum of three (3) qualified Pag-IBIG members may be tacked into a single loan provided they are related within the second civil degree of consanguinity or affinity.
  4. What is the loan to appraisal value ratio? (table)
    • Loan Amount Loan – to – Appraisal Value Ratio
      Up to P450,000 100%
      Over P450,000 to P750,000 90%
  5. What are the interest rates? (table)

    • For the first 10 years of the loan, the following table shall be followed on interest rates.
    • After first 10 years of the loan, the interest rate shall be re-priced based on the prevailing interest rates in the Fund’s pricing framework or it shall be increased by 2%, whichever is lower.
      GROSS MONTHLY INCOME  LOAN AMOUNT INTEREST RATE
      P15,000 (NCR) P450,000 4.50%
      P12,000 (Other Regions) P450,000 4.50%
      P17,500 (NCR) P750,000 6.50%
      P14,000 (Other Regions) P750,000 6.50%
  6. How long is the repayment term?  The Affordable Housing Loan program’s repayment term is thirty (30) years.
  7. Are there any charges to be collected?  Processing fee: P3,000 where the P1,000 is paid upon filing of the loan application and the remaining P2,000 will be paid upon loan takeout.
  8. What are the documentary requirements?  You may visit the Pag-IBIG fund’s website at www.pagibigfund.gov.ph and click on Benefits and Programs.  Look for “Housing Loan Program” and then click on “Requirements” under Housing Loan Availment.
  9. Where to file Housing Loan Application?  You may file the loan online under the E-Services link in the Pag-IBIG website.  Otherwise, you may visit the Pag-IBIG NCR or any regional branch that has territorial jurisdiction over the property you intend to purchase.
  10. What is the processing time for the application?  The housing loan application’s regular processing time is 15 working days.  The borrower has to make sure that all required documents are duly submitted to avoid any delays in processing.

Source: http://www.pagibigfund.gov.ph/faqpdf/Affordable%20Housing%20FAQs%207-28-2014.pdf

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SSS Salary Loan

Ang pag-apply ng salary loan sa SSS ay ginawa ng madali at mabilis sa pamamagitan ng kanilang online services.  Kailangan lang mag register ng online account ang miyembro at malaya na niyang mamo-monitor ang kanyang mga contributions at loan payments.  Paperless na ang pag file ng salary loan dahil maaari nang mag apply basta’t may online account ang miyembro.

Ang madalas na issue ng mga miyembro ay ang pagbabayad ng nasabing salary loan.  Kung ang miyembro ay employed, ang salary loan payments ay nireremit ng employer sa SSS. Halos walang partisipasyon ang miyembro bukod sa salary deduction kung saan kinukuha ang kanyang buwanang hulog sa loan.  Ngunit papano kung biglang lumipat ng trabaho ang miyembro? O kaya ay matanggal sa trabaho, lubusang mabalda, mag retiro, o kaya ay pumanaw ng biglaan?  Papano ang pagbabayad sa maiiwan niyang utang sa SSS?

Lumipat ng Trabaho o Natanggal sa Trabaho

Ang miyembrong lumipat ng trabaho ay may responsibilidad na ipaalam sa bago niyang employer na siya ay may binabayarang salary loan sa SSS.  Maaari din na bago niya lisanin ang kanyang present employer, ipa-check niya kung kayang bayaran ng kanyang separation pay ang kanyang balance sa SSS.  Kung sapat ang kanyang separation pay, may option siya na ibayad na ito sa SSS para malinis na ang kanyang salary loan account bago siya lumipat ng kumpanya.

Kung natanggal naman sa trabaho ang miyembro, kailangang ipagbigay alam niya sa kanyang employer na may balance pa siya sa SSS.  Maaaring iawas sa kanyang separation pay ang kabuuang bayad sa kanyang salary loan.  Kung hindi sapat ang kanyang separation pay at wala pang malipatang trabaho agad ang miyembro, kailangang boluntaryo niyang bayaran ang monthly installment ng kanyang salary loan sa SSS.  Tandaan na nag-iipon ng interes ang salary loan habang lumilipas ang mga buwan na hindi ito nababayaran.

Lubusang Nabalda, Nagretiro, o Namatay

Sakaling ang miyembro ay lubusang nabalda, nagretiro, o pumanaw na at may naiwang balanse sa kanyang salary loan, ang buong halaga ng inutang at ang mga interes (kung meron man) ay ibabawas sa kabuuang financial benefit na makukuha ng miyembro o ng kanyang mga dependents/beneficiaries.

Totoong madali ang pag file ng SSS Salary Loan at maituturing ito na takbuhan ng mga empleyadong nangangailangan ng dagdag na halaga para sa kanilang mga pangangailangan.  Ngunit alalahanin na tulad ng ibang loans, ang salary loan sa SSS ay kailangang bayaran sa oras para hindi ma-ipon ang interes.  Kapag ito ay napabayaan, maaari itong maging dahilan ng discrepancies sa inaasahang benepisyo ng miyembro at ng kanyang mga beneficiaries balang araw.

Source: http://www.usapangsss.ph/forum/viewtopic.php?f=8&t=11

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