Tag Archive: PSA Birth Certificate problems


Apr 17 (2)

If you plan to apply for a Pag-IBIG housing loan soon, know that the first thing you need to do is attend a loan counseling session at designated Pag-IBIG offices.  To help you plan your trip to Pag-IBIG, here are their schedules for the said counseling session, as well as the addresses of the offices where they hold such talks:

  • Every TUESDAY and THURSDAY

3/F Training Room, Kamias MSB

#795 Anchor Center, Edsa, Quezon City

(Near GMA-Kamuning MRT Station)

  • Every SATURDAY

2/F JELP Business Solutions Building

409 Shaw Blvd., Mandaluyong City

  • Every 2ND SATURDAY OF THE MONTH

3/F Lecture Hall B, Legislative Building,

Quezon City Hall

  • Every 3RD SATURDAY OF THE MONTH

Rizal Provincial Capitol Multi-purpose Hall

Antipolo City

All orientations are scheduled to start at 9:00AM and will end at 11:00AM.  You do not need to pay anything to attend the seminar.  You just need to be at the venue or session hall on time, with a pen and paper for your notes.  You may approach any Pag-IBIG staff after the session if you have further questions.

Reference: www.pagibigfund.gov.ph

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Apr 05

An employee is entitled to a separation pay after he resigns from his job.  But why do some get more than others, even when both had the same number of years in service and are receiving almost the same monthly salaries?

Here is a summary of how a resigning employee’s separation pay is determined by the employer, as published by the National Wages and Productivity Commission.

  1. One-half Month Pay Per Year of Service

An employee is entitled to receive a separation pay equivalent to one-half month pay for every year of service, a fraction of at least six (6) months being considered as one (1) whole year, if his/her separation from the service is due to any of the following authorized causes:

  1. Retrenchment to prevent losses (i.e. reduction of personnel affected by management to prevent losses);
  2. Closure or cessation of operation of an establishment not due to serious losses or financial reverses; and
  3. When the employee is suffering from a disease not curable within a period of six (6) months and his/her continued employment is prejudicial to his/her health or to the health of his/her co-employees.
  1. One-Month Pay Per Year of Service

An employee is entitled to separation pay equivalent to his/her one-month pay for every year of service, a fraction of at least six (6) months being considered as one whole year if his/her separation from service is due to any of the following:

  1. Installation by the employer of labor-saving devices;
  2. Redundancy, as when the position of the employee has been found to be excessive or unnecessary in the operation of the enterprise; and
  3. Impossible reinstatement of the employee to his or her former position or to a substantially equivalent position for reasons not attributable to the fault of the employer, as when the reinstatement ordered by a competent authority cannot be implemented due to closure or cessation of operations of the establishment/employer, or the position to which he or she is to be reinstated no longer exists and there is no substantially equivalent position in the establishment to which he or she can be assigned.

An employee is entitled to a separation pay when his or her termination from work is due to any of the above circumstances.

An employee who voluntarily resigns from employment is not entitled to separation pay, except when it is stipulated in the employment contract or Collective Bargaining Agreement or based on established employer practice in the company.

Separation pay may also be granted to an employee under the following instances:

  1. As financial assistance as an act of social justice, even in cases of legal dismissal under Article 282 of the Labor Code of the Philippines, where the employee is validly dismissed but for causes other than serious misconduct or those involving moral turpitude;
  2. If an employee is illegally dismissed and is ordered reinstated but reinstatement is not viable because of the strained relationship between the employee and the employer;
  3. When the payment of separation pay is part of the company policy or a benefit granted under the CBA of the employer and the employee.

 

References:

www.dole.gov.ph

www.nwpc.dole.gov.ph

 

Apr 03 (2)

There are four additional grounds that the divorce bill will include in the list of reasons why a person may seek to dissolve his or her marriage.  Bear in mind that the grounds listed for legal separation and annulment remain in effect and are carried into the divorce bill.

 Below are the grounds under Article 55 of the Family Code, and Annulment under Article 55 of the same code:

  1. Physical violence or grossly abusive conduct directed against the petitioner, a common child, or a child of the petitioner.
  2. Physical violence or moral pressure to compel the petitioner to change religious or political affiliation.
  3. Final judgment sentencing the respondent to imprisonment of more than 6 years, even if pardoned.
  4. Drug addiction or habitual alcoholism or chronic gambling of the respondent.
  5. Homosexuality of the respondent.
  6. Contracting by the respondent of a subsequent bigamous marriage, whether in the Philippines or abroad.
  7. Marital infidelity or perversion or having a child with another person other than one’s spouse during the marriage, except when the spouses have agreed to have a child through in vitro or a similar procedure, or when the wife bears a child as a result of being a rape victim.
  8. Attempt against the life of the petitioner, a common child, or a child of the petitioner.
  9. Abandonment without justifiable cause for more than a year.
  10. Those legally separated by judicial decree for more than two years can also avail of divorce.
  11. One of the spouses was older than 18 but younger than 21 at the time of marriage without the consent of a parent, guardian, or substitute parental authority unless, after the age of 21, the pair freely cohabitated and lived together.
  12. Either party was of unsound mind, unless such party, after coming to reason, freely cohabitated with the other.
  13. The consent of one party was obtained through fraud unless, despite after knowing the fraud, continued to cohabit as husband and wife.
  14. That the consent of one party was obtained by force, intimidation, or undue influence unless, despite the cessation of such, the pair continued to cohabit.
  15. That either party was incapable of consummating the marriage with the other, and the incapacity continues or appears to be incurable.
  16. That either party is afflicted with a sexually transmissible infection that is serious or appears to be incurable.

The bill introduces four additional bases for divorce:

  1. Separation for at least five years at the time the petition is filed, with reconciliation highly improbable, except if the separation is due to the overseas employment of one or both spouses in different countries, or due to the employment of one of the spouses in another province or region distant from the conjugal home.
  2. Psychological incapacity of the other spouse as defined in Article 36 of the Family Code, whether or not the incapacity was present at the time of marriage or later.
  3. When one of the spouses undergoes gender reassignment surgery or transition from one sex to another.
  4. Irreconcilable marital differences and conflicts resulting in the total breakdown of the marriage beyond repair despite the efforts of both spouses.

What do you think of the listed grounds for divorce?  Do you think these aptly cover all possible situations that an unhappily married couple may face?

We’d love to hear from you!

Reference: https://www.rappler.com/nation/196612-explainer-house-divorce-bill

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Mar 27

On Monday, April 2, 2018, the Social Security System (SSS) will once again open its doors to members who with unpaid obligations with the agency.  This is another opportunity that the state-run pension  fund is extending to members to allow them to settle overdue loans and regain their good standing with the SSS to avoid problems with their claims later on.

Who can benefit from this offer?

The SSS will condone penalties of member borrowers, making special mention of those who were affected by the Marawi siege and Mayon Volcano eruption.

How will members benefit from the program?

Members with delinquent accounts will not have the opportunity to settle their overdue loan principal and interests – in full payment or through installment basis – with respect to the SSS’ terms, depending on the member’s capacity to pay.

Whether the member is paying in full or through installment basis, the SSS will waive the loan penalties after the member has completed payment for the restructured loan.

Below is a summary of the program’s provisions, for reference:

  • Past due payments for the following loans:
    • Salary loan
    • Emergency loan
    • Old educational loan
    • Study Now, Pay Later Plan
    • Voc-tech loans,
    • Y2K loans,
    • Investments Incentive Loan
    • Other loans that were past due for at least six months as of April 2, 2018.
  • An interest rate of 3% will be implemented for restructured loans.
  • Penalties will be condoned upon full payment, with option to renew the loan after six months.
  • Members will be back to “good standing” with the SSS, be able to apply for new loans, and be assured of fully enjoying their final benefit claims in the future.
  • Members who were granted condonation in the last loan restructuring program of the SSS will no longer be accommodated.

Visit the nearest SSS branch office in your area now to know more about this offer.  The SSS Loan Restructuring Program will be available until October 1, 2018.

Reference: www.sss.gov.ph

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Mar 19

There are a total of 112 state universities and colleges and about 78 local universities and colleges that are covered by the free tuition fee law signed by the President last week.  We are sharing the list of schools that are expected to comply with the free tuition fee law beginning June 2018.

National Capital Region

  • Eulogio ‘Amang’ Rodriguez Institute of Science and Technology
  • Marikina Polytechnic College
  • Philippine Normal University
  • Philippine State College of Aeronautics
  • Polytechnic University of the Philippines
  • Rizal Technological University
  • Technological University of the Philippines
  • University of the Philippines System
  • Pamantasan ng Lungsod ng Maynila
  • Pamantasan ng Lungsod ng Muntinlupa

Region I – Ilocos Region

  • Don Mariano Marcos Memorial State University
  • Ilocos Sur Polytechnic State College
  • Mariano Marcos State University
  • North Luzon Philippines State College
  • Pangasinan State University
  • University of Northern Philippines
  • Ilocos Sur Community College
  • University of Eastern Pangasinan
  • Binalatongan Community College
  • Urdaneta City University

Cordillera Administrative Region

  • Abra State Institute of Science and Technology
  • Apayao State College
  • Benguet State University
  • Ifugao State University
  • Kalinga State University
  • Mountain Province State University

Region II – Cagayan Valley

  • Batanes State College
  • Cagayan State University
  • Isabela State University
  • Nueva Vizcaya State University
  • Quirino State University

Region III – Central Luzon

  • Aurora State College of Technology
  • Bataan Peninsula State University
  • Bulacan Agricultural State College
  • Bulacan State University
  • Central Luzon State University
  • Don Honorio Ventura Technological State University
  • Nueva Ecija University of Science and Technology
  • Pampanga State Agricultural University
  • Philippine Merchant Marine Academy
  • Ramon Magsaysay Technological University
  • Tarlac College of Agriculture
  • Tarlac State University
  • Mabalacat College
  • Baliuag Polytechnic College
  • Bulacan Polytechnic College
  • City College of Angeles
  • City College of San Fernando, Pampanga
  • Eduardo L. Joson Memorial College
  • Guagua Community College
  • Kolehiyo ng Guiguinto
  • Kolehiyo ng Subic
  • Limay Polytechnic College
  • Norzagaray College
  • Pambayang Dalubhasaan ng Marilao
  • Polytechnic College of Botolan
  • Polytechnic College of the City of Meycauayan

 Region IV-A – CALABARZON

  • Batangas State University
  • Cavite State University
  • Laguna State Polytechnic University (Laguna State Polytechnic College)
  • Sourthern Luzon State University
  • University of Rizal System
  • Balian Community College
  • City College of Calamba
  • Colegio de Montalban
  • Colegio ng Lungsod ng Batanga
  • Dalubhasaan ng Lungsod ng Batangas
  • Dalubhasaan ng Lungsod ng Lucena
  • Kolehiyo ng Lungsod ng Lipa
  • Laguna University
  • Pambayang Kolehiyo ng Mauban
  • San Mateo Municipal College
  • Trece Martires City College
  • Antipolo Institute of Technology (AiTech)
  • Tanauan City College (TCC)
  • Pamantasan ng Cabuyao (PNC)
  • Dalughasaan ng Lungsod ng San Pablo
  • City College of Tagaytay (CCT)

Region IV-B – MIMAROPA

  • Marinduque State College
  • Mindoro State College of Agriculture and Technology
  • Occidental Mindoro State College
  • Palawan State University
  • Romblon State University
  • Western Philippines University
  • Baco Community College
  • MIMAROPA City College of Calapan

Region V – Bicol Region

  • Bicol University
  • Bicol State College of Applied Sciences and Technology
  • Camarines Norte State College
  • Camarines Sur Polytechnic Colleges
  • Catanduanes State University
  • Central Bicol State University of Agriculture
  • Emilio B. Espinosa, Sr. Memorial State College of Agriculture and Technology
  • Partido State University
  • Sorsogon State College
  • Community College of Manito
  • Ligao Community College
  • Baao Community College
  • Calabanga Community College
  • Caramoan Community College
  • City College of Naga
  • Daraga Community College
  • Libon Community College
  • Oas Community College
  • Polangui Community College
  • Rapu-Rapu Community College
  • San Jose Community College
  • Sorsogon Community College
  • Donsol Community College (DCC)
  • San Pascual Polytechnic College (SPPC)
  • Aroroy Municipal College (AMC)
  • Governor Mariano E. Villafuerte Community Colleges

Region VI – Western Visayas

  • Aklan State University
  • Capiz State University
  • Carlos C. Hilado Memorial State College
  • Guimaras State College
  • Iloilo State College of Fisheries
  • Central Philippines State University
  • Northern Iloilo Polytechnic State College
  • Northern Negros State College of Science and Technology
  • University of Antique
  • Iloilo Science and Technology University
  • West Visayas State University
  • Iloilo City Community College (ICCC)
  • Passi City College
  • Libacao College of Science and Technology
  • Bago City College

Region VII – Central Visayas

  • Bohol Island State University
  • Cebu Normal University
  • Cebu Technological University
  • Negros Oriental State University
  • Siquijor State College
  • Buenavista Community College
  • Carcar City College
  • Sibonga Community College
  • Trinidad Municipal College

Region VIII – Eastern Visayas

  • Eastern Samar State University
  • Eastern Visayas State University
  • Leyte Normal University
  • Naval State University
  • Northwest Samar State University
  • Palompom Polytechnic State University
  • Samar State University
  • Southern Leyte State University
  • University of Eastern Philippines
  • Visayas State University
  • Maasin City College

Region IX – Zamboanga Peninsula

  • H. Cerilles State College
  • Jose Rizal Memorial State University
  • Western Mindanao State University
  • Zamboanga City State Polytechnic College
  • Zamboanga State College of Marine Sciences and Technology
  • Zamboanga del Sur Provincial Government College (ZdSPGC)

Region X – Northern Mindanao

  • Bukidnon State University
  • Camiguin Polytechnic State College
  • Central Mindanao University
  • University of Science and Technology of Southern Philippines – Cagayan De Oro Campus
  • MSU – Iligan Institute of Technology
  • University of Science and Technology of Southern Philippines – Claveria Campus
  • Northwestern Mindanao State College of Science and Technology
  • Pangantucan Bukidnon Community College (PBCC)
  • Magsaysay College
  • Initao College
  • Alfonso D. Tan College
  • Northern Bukidnon Community College
  • Opol Community College
  • Tagoloan Community College

Region XI – Davao Region

  • Compostela Valley State College
  • Davao Del Norte State College
  • Davao Oriental State College of Science and Technology
  • Southern Philippines Agri-Business and Marine and Aquatic School of Technology
  • University of Southern Philippines
  • Kapalong College of Agriculture, Sciences, and Technology (KCAST)
  • Governor Generoso College of Arts, Sciences, and Technology (GGCAST)
  • Monkayo College of Arts, Sciences, and Technology
  • Kolehiyo ng Pantukan (KNP)

Region XII – Main SOCCSKSARGEN

  • Cotabato State University
  • Cotabato Foundation College of Science and Technology
  • Sultan Kudarat State University
  • University of Southern Mindanao
  • Glan Institute of Technology
  • Makilala Institute of Science and Technology
  • Autonomous Region in Muslim Mindanao
  • Adiong Memorial Polytechnic State College
  • Basilan State College
  • Mindanao State University
  • MSU-Tawi-Tawi College of Technology and Oceanography
  • Sulu State College
  • Tawi-Tawi Regional Agricultural College

Region XIII – Caraga Administrative Region

  • Agusan del Sur State College of Agriculture and Technology
  • Caraga State University (Northern Mindanao State Institute of Science and Technology)
  • Surigao del Sur State University
  • Surigao State College of Technology
  • Hinatuan Southern College

According to the CHED, the recipients of the free tuition fee privilege shall be required to render services to their respective colleges and universities.  Menial tasks like providing assistance in the library and other similar activities may be required by the school administration from qualified students.  Whatever these tasks are going to be, the schools must make sure that the service does not get in the way of the students’ academic requirements and study time.

A student’s tuition and miscellaneous fees will be waived for as long as:

  1. They pass or meet the admission and retention policies of the institution;
  2. They have no previous undergraduate degree; and
  3. They are not overstaying.

Needless to say, schools will now be more stringent in monitoring their students’ grades to make sure that the privilege is not abused and the objectives of the law are met.  At the end of the day, what we all want is for every Filipino, regardless of economic status, to be provided with quality education and equipped to perform in the corporate or business arena later on.

Reference: www.ched.gov.ph

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Mar 14 (1)

The Philippine Health Insurance Corporation is responsible for implementing universal health coverage for Filipinos.  Every Pinoy must be listed as a member of the PhilHealth and make regular contributions to secure his claims in the event that he gets sick or gets into a medical emergency.  In the same manner, PhilHealth, being a social insurance program, provides a means for the healthy to pay for the care and wellness of the sick and those who cannot readily afford medical procedures and assistance.

As soon as an individual reaches the age of 21, whether employed or still studying, he or she must already be enrolled and provided with a PhilHealth number.

How does one become a PhilHealth member?  Here are the steps, procedures, and requirements to get a PhilHealth number and begin making contributions to the agency.

Requirements for: UNEMPLOYED MEMBERS (Individually Paying Member)

Submit the following to the nearest PhilHealth office in your area.  Foreigners residing in the Philippines may also enroll in the PhilHealth under this membership category.

  1. Duly filled out PhilHealth Membership Form (PMRF).  You may download a copy of the form here: https://www.philhealth.gov.ph/downloads/membership/pmrf_revised.pdf
  2. Photocopy of PSA birth certificate or any valid government-issued ID.  Bring an original copy of your birth certificate for verification.
  3. Photocopy of supporting documents for your beneficiaries.
  4. Two latest 1×1 ID pictures.
  5. Photocopy of Alien Certificate of Registration (ACR) issued by the Bureau of Immigration (for foreigners only).

Your PhilHealth number will be issued to you on the same day.  Your PhilHealth membership is a lifetime membership and will not change even if you change membership status (in case you become employed or later on, as a Senior Citizen).

Requirements for: EMPLOYED MEMBERS

  1. Duly filled out PhilHealth Membership Form (PMRF), making sure you include your employed status.
  2. Photocopy of PSA birth certificate or any valid government-issued ID.  Bring an original copy of your birth certificate for verification.
  3. Photocopy of supporting documents for your beneficiaries.

Requirements for: OFWs

OFWs may register and pay their contributions once they are registered at the POEA.

  1. Duly accomplished PMRF
  2. Supporting documents of beneficiaries
  3. Any proof of being an active OFW

 

How to get your PhilHealth ID?

There are actually two types of PhilHealth IDs.

  • The paper ID that can be used when claiming inpatient or outpatient hospital benefits. This can be claimed without charge at any PhilHealth Local Health Insurance Office (LHIO).
  • The PhilHealth Insurance ID Card – a digitized ID card issued to members in the Formal Economy and Informal Sector.  This is issued on a voluntary basis at a cost of P90.00.  It is a duly recognized valid government-issued ID.

Both IDs may be applied for at any PhilHealth office.

The following perks are made available to holders of the digitized ID card:

  • 15% discount on generic drugs on Watson’s, Rose Pharmacy, South Star Drug, and The Generics Pharmacy.
  • 20% to 80% discount on flu vaccines on PQ Health Shield and GSK.
  • Free eye exam from Vivian Sarabia optical.
  • 20% discount on regular items in Vivian Sarabia Optical.
  • 10% discount on drug testing services at JNW Drug Testing sites.

Being a PhilHealth member and having any of the two types of IDs above are the most effective ways to claim your health assistance benefits at private and public hospitals.  Always update your contributions to ensure that you are able to claim your benefits in full, when and where you need to.

Reference: www.philhealth.gov.ph

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Mar 08

As an SSS member, you are entitled to retirement benefits as soon as you hit your 60s.  This can be a lump sum amount that you can use to start a small business, or go on a trip as a reward to yourself.  Or you can choose to receive a monthly pension, as if you are still being salaried monthly by an employer.

Can you at least have a ball park figure of how much pension you can expect to receive from the SSS later on?  You may still have about 40 years ahead of you before you hit your 60s but it won’t hurt to get a glimpse.  This way, you can think of alternative ways to secure your finances when you finally become a Senior Citizen.

SSS follows three formulas when computing for a member’s pension.  Keep in mind too that the amount of your pension will largely depend on the salary you received during your employment years, and the amount of contribution you religiously remitted to the system.

If your monthly salary is P30,000.00 and you decide to retire at the age of 60, and you have a total of 30 years of employment behind you with 30 years’ worth of contributions, your pension will be based on whichever amount is higher based on the following calculations:

Example: Average total contribution is P1,790.00 x 30 years x 12 months = P644,400.00

a. The sum of P300 + 20% of average MSC + 2% of the average MSC for each credited year of service in excess of 10 years.

P300 + 20% (AMSC) + 2% (AMSC) for each year of service in excess of 10 years

P300 + (P16,000*20%) + (P16,000 *2%*20 years)

P300 + P3,200 + P6,400

Pension: P9,900.00

 

b. 40% of the AMSC

P16,000 * 40%

Pension: P6,400.00

 

c. P1,200 if the CYS is at least 10 but less than 20; or P2,400 if the CYS is 20 or more.

Pension: P2,400 since you have more than 20 CYS.

Given the above, the retiree will be granted the P9,900 pension as it is the highest value yielded by any of the formulas.

Remember that you shall qualify as a pensioner only if you have contributed at least 120 months or 10 years to the SSS.  If not, you shall be granted a lump sum amount equivalent to your total contribution plus interests.

Most of us may still have about 20 or so years to go before we start thinking about retiring and claiming our monthly pension; but if we start right now, we would be reaping the rewards in due time.  It is our responsibility to ourselves and our families to secure our future and make sure that we shall be properly compensated for all the hard work.

One way to monitor the timely and proper posting of your contributions is by creating an online SSS account.  This way, you can check all the details of your SSS account even without going to an SSS office.

 

Reference: http://www.sss.gov.ph

 

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Mar 07

Getting sick is inevitable.  Whether you are an employee, a business person, or a stay-at-home parent, you will eventually have to take some rest to recuperate from a viral or bacterial infection.  Other times, you might get injured at work and will need some time off to heal and rehabilitate before you are able to go back to your normal daily routine.

The good news is, if you are a member of the SSS, you are entitled to sickness benefits to help you defray expenses when your capacity to earn is lessened due to being confined in bed, a wheelchair, or a hospital.

How to know if you are qualified for SSS Sickness Benefits?

  1. You have to be an SSS member.
  2. You have been sick or are injured and unable to work; you have been confined in a hospital or at home for at least 4 days.
  3. Your contributions are updated or have at least paid three months of monthly contributions before your illness or injury.
  4. All your “leave with pay” credits have been used up.
  5. Your employer is duly notified of your sickness or injury; if unemployed, voluntary, or self-employed, you must have notified SSS prior to claiming.

If your answer to all five qualifiers is “yes”, you can proceed to the nearest SSS branch to apply for the sickness benefit.

How do I notify the SSS about my illness or injury?

For EMPLOYED members:

An employed member must advise his or her employer within five calendar days of his sickness or injury.  It is the employer’s obligation to advise SSS of the employee’s condition.

  • Should you fail to notify your employer within the five-day timeframe, your confinement will be considered to have started five days before you notified him.
  • If the employer fails to notify the SSS within the five-day timeframe, your employer will be compensated only for each day of confinement from the 10th calendar day prior to notifying SSS.
  • If you notified your employer but he failed to notify the SSS and as a result, your benefits were denied, he or she must not be able to recover your daily sickness allowance.

For SELF-EMPLOYED members:

You must notify the SSS within five days after getting sick or injured.  If you are confined in a hospital, you have one year to notify the SSS.

What are the requirements when filing?

For EMPLOYED members:

Submit the following to your HR or to your company’s representative to SSS:

  1. Duly accomplished sickness notification.
  2. Identification card/s and documents (ex: PSA birth certificate)
  3. Medical documents, if any.

If the claim is work-related (or if you incurred the sickness or injury at work):

  1. Accident/sickness report from the employer, if work-connected; and
  2. Police Report (for a vehicular accident with third party involvement);
  3. Photocopy of employer’s logbook.

In case of prolonged confinements or sickness, original/certified true copy of the following:

  • Laboratory, X-ray, ECG, and other diagnostic results.
  • Operating room/clinical records that will support the diagnosis.

In case of sickness that occurred while on strike/shutdown, the member will file the necessary documents directly at the SSS.  He or she must submit the above requirements, including the following:

  • Certificate of Notice of Strike issued by the DOLE.
  • Certificate of Foreclosure.
  • Certification from the DOLE that the employee or employer has a pending labor case.
  • Certificate of Non-advancement of Payment from Employer.

For SELF-EMPLOYED Members:

  1. Duly accomplished Sickness Benefit Application (SBA)
  2. If filed by the member, present original of any one (1) of the primary ID cards/documents or two (2) secondary ID cards/documents, both with signature and at least one (1) with a photo.
  3. If filed by member’s representative:
    1. Original of any one of the Authorized Representative’s primary ID cards/documents or two secondary ID cards/documents, both with signature and at least one with a photo.
    2. Original of any one of the Member’s Primary ID cards/documents or two secondary ID cards/documents, both with signature and at least one with a photo.
  4. In case of prolonged confinements or sickness, original/certified true copy of the following:
    1. Laboratory, X-ray, ECG and other diagnostic results.
    2. Operating room/clinical records that will support the diagnosis.

How much will I receive from the SSS?

The amount you will receive will be equal to 90& of your average daily salary credit.  For example: if your average daily credit is Php 1,000, then you will receive Php 900 per day of sickness or confinement.

If you are an employed member, your employer should give you the sickness benefit in advance.

The sickness benefit is granted up to a maximum of 120 days in one calendar year.

 

Reference: http://www.sss.gov.ph

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Mar 02

Norma worked as a private school teacher for 35 years.  Before she reached her 60th birthday, her husband advised her to begin working on her SSS retirement documents just to get a head start.  She was both sorry and thankful that she did; sorry because she discovered a problem that could cost her her entire old age pension, thankful because she discovered it before she actually filed for her retirement.

You see, Norma has had 2 sets of SSS numbers all her life and she didn’t know about it until she personally visited an SSS office to ask for a list of requirements when filing for pension claims.  Apparently, Norma applied for her very first SSS number immediately after graduating from college in 1980.  However, she did not immediately begin contributing to the SSS until two years after when she landed her first job as a teacher.  From 1980 to 1982, she tended their family’s business at the Divisoria and was salaried by her father through commissions.  She did not pay income tax or contributed to SSS during these two years of employment.

When she was hired to teach at the private school in their province, she was requested to fill-out several forms, including Pag-IBIG and SSS application forms.  Unmindful of the pile of documents she had to accomplish, Norma simply supplied all needed information and dutifully submitted these to their HR, completely forgetting that she had already applied for an SSS number two years ago.  She was issued her SSS and PagIBIG numbers, through her employer, and she contributed to both agencies every month through salary deduction.

Now that she is applying for her retirement claims, she was advised by the SSS personnel that there are two sets of SSS numbers assigned to her name.  The first one was assigned to her in April 1980 while the other one was activated in March 1982.  Thankfully, her contributions are intact but are all reflected under the second SSS number.  However, due to this discrepancy, her application for retirement pension may have to be put on hold.

What happens when a person has more than one set of SSS numbers?

An individual’s SSS number is his lifetime identity under the system; all his contributions, loans, and other SSS transactions will be reflected under his number.  Having more than one record with the SSS will surely cause delays in claiming one’s benefits such as his old age pension.

What must you do when you realize you have more than one set of SSS numbers?

The SSS recommends that you file the necessary report with the SSS as soon as you discover that you have more than one set of SSS numbers.

These are the steps in reporting the double assignment of SSS numbers:

  1. Visit the nearest SSS branch and bring a copy of your PSA birth certificate or Baptismal Certificate.
  2. Request for a blank sheet of COV-01205 or the Request/Verification Form.  Check the appropriate box (request the cancellation of multiple social-security numbers) and supply the rest of the information being asked for.
  3. Check the box indicating the consolidation of contributions.  This is especially applicable if the member has had contributions under his original SSS number and the succeeding SSS number/s assigned to him due to multiple registration.
  4. As a matter of procedure, the first number that is reported with contributions is the number that is retained.  In Norma’s case, since she did not make any contributions after she was assigned her first SSS number, it is most likely that her second SSS number will be retained.
  5. The process of consolidating all contributions and cancellation of the other SSS number takes at least a month to complete.  You will receive a letter from the SSS when the process has been completed.  Only then can you begin working on filing the documents for your claim (pension, death, etc.).

The SSS has upgraded their system so that members can create an account through the SSS website where they can view their contributions and apply updates to their personal information online.  If you still do not have an online SSS account, it may be best to create one now so you can easily check the details of your SSS membership and other important information about your claims and benefits, without having to go to an SSS office.

If you have questions about SSS, send us a message and we will do our best to find the answers for you.

Reference: www.sss.gov.ph

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Mar 01

Yesterday we featured the basic information on the Social Security System to help first-time members and SSS applicants appreciate how the social insurance system works.  Now we know that every Filipino, whether employed, self-employed, or unemployed, must have a Social Security number to become entitled to the benefits that the government agency offers.

There are two types of coverage under the SSS, one is the Compulsory Coverage which includes Employers, Employees, and Self-employed individuals.  Another type of coverage is the Voluntary Coverage or the non-mandatory registration and payment of social security contributions.

Who belongs under the Voluntary Coverage category?

  1. Voluntary Members (VM)
    1. Individuals previously covered as an SSS member (could be an EE, SE, or OFW);
    2. Must have posted at least one contribution;
    3. No longer employed, self-employed, or listed as an active OFW; he or she must not have any source of income.
    4. Chose to continue paying his SSS contributions to secure his full benefits.
  2. Overseas Filipino Workers (OFWs)
    1. A Filipino who has sought employment abroad via recruitment of foreign-based employers;
    2. Source of income is from a foreign country; or
    3. A Filipino who resides permanently in a foreign country.
  3. Non-Working Spouse (NWS)
    1. A spouse who is not employed and does not have any other source of income;
    2. He or she must be fully devoted to managing the household without any side businesses from which he or she may be deriving income.

 When does coverage of members take effect?

Your SSS insurance coverage shall take effect depending on the type of coverage you have.

  1. ER – on the first day that the employee is hired.
  2. EE – on the first day of the individual’s employment.
  3. SE –
  • On the month and year of the SE’s first monthly contribution payment, and must not be earlier than the declared “Start of Business” in the SSS Form E-1;
  • Or retroactive on the applicable month and year of the first contribution payment.
  1. OFW – On the applicable month and year of the first contribution payment based on the payment deadline for OFWs.
  2. NWS – On the applicable month and year of the first contribution payment.

The SSS Schedule of Contributions for 2018

As a member of the SSS, you must have a copy of the schedule of contributions to avoid delays in your payments.

FOR EMPLOYERS AND EMPLOYEES

sss-contribution-table-2018

 

FOR VOLUNTARY MEMBERS AND OFWs

sss-contribution-table-ofw-voluntary-self-employed

Apart from that, the SSS now requires both employers and employees to have an online SSS account.  This allows you to check the posting of your contributions and other details you need to know about your membership, even when you do not have access to an SSS branch office.  You may also apply for a salary loan right from your online account; it is a convenient and secure way of availing one of your many privileges as an SSS member.

Want to know how your pension will be computed and if you have the option to withdraw it before you reach your retirement age?  Visit us again tomorrow.

If you have questions about your SSS membership, drom us a line and we will do our best to find the answers for you.

Reference: http://www.sss.gov.ph

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