Tag Archive: PSA Certificate Delivery


1 jan 30

We compiled all the frequently asked questions about car registration schedules, transfers, and fees, fines and penalties for late registration, and checking the authenticity of a vehicle’s OR and CR.  We are sharing these here today, as lifted from the website of the Land Transportation Office (LTO).

  1. My plate number is MGE 123, when will I register?

You will register your vehicle in the first week of March.  Always remember:

The last digit of the plate number determines the registration month and the middle digit indicates the weekly deadline, presented as follows:

Last Digit of Plate Number (Monthly Schedule) Middle Digit of Plate Number Weekly Deadline (On Working Days of the Month)
1 – January

2 – February

3 – March

4 – April

5 – May

6 – June

7 – July

8 – August

9 – September

0 – October

1 2 3

4 5 6

7 8

9 0

 

 

 

 

 

 

1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 up to the last day of the month

 

 

 

 

 

 

Motor vehicle registration may be renewed one month before, but not later than the last working day of the week indicated by the middle digit of the plate number.

  1. What if I want to change my motor vehicle plate, is it possible?

No, change of plate number is not allowed.  Under Batas Pambansa Blg. 43, the identification and letters of any motor vehicle number plate shall be permanently assigned to such motor vehicle during its lifetime.  The only acceptable change in plate assignment is when a change in the denomination is transacted/effected, i.e. from a private vehicle to for-hire or government to private, etc.

  1. My first registration was at LTO Makati, can I transfer my next registration at Caloocan D.O.?

Yes, you can transfer the registration of your motor vehicle at LTO Caloocan D.O. or to any LTO D.O. that is most convenient or accessible to you.  There will be an additional Php 100 charge for Change of Venue (CV) of your vehicle registration.

  1. How much is the fine for late registration?

There is a weekly fine for late registration of Php 200.00.  And for a month of delayed payment, the fine shall be 50% of the MVUC.

  1. I want to buy a second-hand motor vehicle. How can I be sure that the OR and CR are genuine?

Have both the Certificate of Registration (CR) and Official Receipt (OR) verified for its authenticity at the LTO Property Section, East Avenue, Quezon City.

  1. What is an Originating District Office? What is a Transacting District Office?

An Originating District Office is the LTO where the first/initial registration of a motor vehicle, together with all the mandatory documentary requirements, was affected/transacted.  The transacting District Office is where you presently registered/transacted the renewal or miscellaneous transactions of your motor vehicle.

  1. What are the requirements and procedures needed in obtaining a duplicate CR/OR?

Initially, you need to secure a notarized affidavit of loss for the CR/OR and then present this to your Originating District Office.  Bring 2 valid IDs.

The OD office will issue you the duplicate CR/OR.

  1. What are the requirements and procedures needed in obtaining a duplicate plate and replacement of lost sticker?

The requirements for duplicate plate/replacement of stickers are the following:

  • Original Affidavit of Loss (mutilated)
  • Certified True Copy of CR/Original CR
  • Certified True Copy of OR/Original OR of latest payment of MVUC and other fees.
  • Duly accomplished and approved Motor Vehicle Inspection Report (MVIR)
  • Proof of Payment (OR) for the cost of replacement plate/duplicate plate/lost sticker.
  • For “For Hire” motor vehicles: Certification from LTFRB that plates have not been surrendered.
  • For sole proprietorship: Secretary’s Certificate or DTI certificate if the motor vehicle is in the name of a corporation.
  • PNP-HPG clearance.

If you have any questions about car registrations, send us a message and we will try our best to find the answers for you.

Source: www.lto.gov.ph

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1 jan 28 (1)

Last January 18, I personally filed my application for a Pag-IBIG Multi-purpose Loan (or salary loan) at the Pag-IBIG office in Intramuros, Manila.  This is actually the third time I renewed my loan but decided to write about it only now because of the significant improvement in speed and efficiency I experienced at this particular branch.  I was so happy and satisfied that I even took pictures of their newly refurbished office!

I hope today’s article could help you better prepare for your trip to a Pag-IBIG office.

What to do BEFORE going to Pag-IBIG:

  1. The first thing I did was ask for a Multi-purpose Loan Form from our office (it could be at your HR or finance department). I filled out the form and had two of my colleagues sign as witnesses (or co-makers). After that, I submitted it back to the head of our Finance Department for their verification and signature.

You can also download and print a copy of the form here.

  1. I was advised by our Finance Department to prepare a photocopy of the following before going to Pag-IBIG:
  • Front and back photocopies of 2 valid IDs (I photocopied my PhilHealth insurance card and my company ID)’
  • Photocopy of one-month pay slip (I used my December 2018 – always use the latest pay slip.)
  1. Bring the same IDs with you when you go to Pag-IBIG just in case they ask you to present it for verification. Make sure that your photocopies are clear and readable.

What to do DURING the application at Pag-IBIG:

  1. Upon entering the Pag-IBIG office, the lady at the receiving desk will ask you what is the purpose of your visit and check your documents. If your papers are complete, she will give you a number and will direct you to the counter that is processing your application. If your documents are incomplete, she will give you a list and will advise you to come back as soon as you have all the requirements ready.  In my case, I was given a number and was advised to proceed to counter 6.
  2. I only had to wait for about 10 minutes for my number to be called. In fact, way before it was my turn, the gentleman at the counter already asked for my documents and lined it up with the rest. When he called my number (D78), he checked that all my documents are accurately filled out and signed and then asked me to do the following:
  • Make 2 more photocopies of my IDs
  • Make 2 more photocopies of my payslip
  • Sign all photocopied sheets and submit all to him.
  1. When I headed back to his desk with the fresh prints, he reviewed my account in his computer. That was when I was able to take a peek at his screen and saw the total proceeds of my new loan. Remember, this is a loan renewal and I still had a few more months in my account before my previous loan is fully paid up.  Pag-IBIG allows loan renewal after six months of amortizing your first loan.
  2. He then handed me my Landbank ATM and told me to get a new number for the “Check Releasing” counter so I can get my card’s PIN. I said I already had the Citibank cash card (from my previous multi-purpose loans); he said that Pag-IBIG has since changed its partner bank for loan disbursement and now uses Landbank.
  3. I went back to the lady by the entrance of the building and asked for a new queuing number for the Check Releasing counter. When my number was called (which was no more than 5 minutes later), the lady at the Check Releasing counter told me to wait for 3 to 5 working days for the approval of my loan and the proceeds to be credited to my Landbank cash card.  She then advised me to carefully tear open the slip containing my card’s PIN and to change it as soon as I find a Landbank ATM.

That was the last process I had to go through.  I arrived at the Pag-IBIG office at 9:47AM and was done with my application by 10:27AM.  I was able to complete my errand in less than an hour on a Friday morning!  Now that’s pretty impressive, as far as transacting with government offices go.

What to do AFTER submitting your loan application:

Basically, all I had to do was wait for the third business day from the day I got my cash card.  Since I submitted my loan application on a Friday, I expected to be able to access my card on Wednesday of the following week.

I tried checking my balance on Wednesday morning (January 23) but I used a BDO ATM (the only one that is nearest to our office).  Sadly, I got a prompt that said: “Could not access card”, or something to that effect.  I waited a bit more and by lunchtime, I received a text message from PagIBIGFund telling me that my MPL application has been approved.  The message included the net proceeds of my loan and the amount of my monthly amortization and when it will start.

I immediately proceeded to a Landbank ATM to withdraw the cash.  It was only then that I realized the reason why I could not access the card from any other ATM: I had to change the PIN as it was the first time I was going to use it.

I did and then was able to check the actual contents of my account.  And so using my new PIN, I was able to withdraw my loan’s proceeds!  Exactly on the third business day after I submitted my loan application!

Based on the text message I received, I am to begin paying for my loan on April 15, 2019.  That means that my January to March pay slips will reflect that I have already paid up my previous Pag-IBIG salary loan (so expect to see a slightly higher amount in my ATM until before April).  Since this is a salary loan, I leave it up to our Finance department to process the necessary deductions and remittance to Pag-IBIG.

Easy does it, huh?  Below are the actual photos I took during my loan application.  Sorry, I am truly not a very good photographer.

20190118_103007

20190118_103015

This is the main entrance of the Pag-IBIG office in Intramuros.  Their address is: Postigo Street, Intramuros, Manila.  It is a stone’s throw away from the COMELEC headquarters.

20190118_094513

20190118_094522

This is basically how the waiting area looks like now; no more long lines of people waiting for their numbers to be called, nor monobloc chairs that were really uncomfortable if you have to sit for long hours.  The room is well-lit and air-conditioned; you really would not mind waiting as it was truly comfortable inside.

20190118_094447

multi-purpose loan application

This was one of the three counters dedicated to assisting and processing applications for MPL (multi-purpose loans).  I was assigned to counter 7 though.

20190118_100939

While I was waiting for my number to be called at the “Check Releasing” desk (this was the last step of the MPL application where I will be given my card’s PIN), I took a picture of the counters right beside me.  These are new counters built for members who are making voluntary contributions and other payments for the Pag-IBIG memberships and loans.  See how organized and roomy it is now?

20190118_102048

And here is a photo I took right before I was called for my PIN.  The lady behind that counter happily accommodated my last-minute questions about my loan.

Overall, my experience at the “newly refurbished” office of the Pag-IBIG in Intramuros was remarkable.  I remember visiting this same office in December 2017 and we had to spend the whole day there just to file our MPLs.  It was humid inside and people were grabbing on to chairs as there were not enough available to accommodate the crowd.  The scenario last January 18 was a far cry from my 2017 visit and I am truly impressed.

If you have any questions about Pag-IBIG, you may call their hotline at 02-724-4244.  They are available 24×7.

 

 

1 jan 17

Pag-IBIG offers the provision of home financing programs for both new and repossessed (or acquired) housing properties that were developed by Pag-IBIG.  Active members have the option to purchase an acquired Pag-IBIG property at negotiated rates.

Acquired assets are foreclosed properties (house and lot) that are auctioned off by Pag-IBIG to the public at cheaper rates.  These are not “brand new” houses; these are properties that are repossessed due to non-payment of the original owners.  Once auctioned by Pag-IBIG, it becomes a possible alternative for other active members that are unable to take on the costs of a brand new housing unit.

If you are thinking of applying for a Pag-IBIG housing loan, it may be good to weigh your options and see if an acquired asset is something you can consider.

Here are the steps and requirements needed when applying for a Pag-IBIG loan for acquired properties under negotiated sale:

  1. Reserve the property and pay the Php 1,000 reservation fee (non-refundable/non-transferrable). Bring one valid ID and choose among the following modes of payment:
  • Cash – 30% discount; payment term of 1 month.
  • Installment – 20% discount; up tp 12 months only, with 12% interest rate per annum.
  • Housing Loan – 10% discount, for qualified members of Pag-IBIG Fund; up to 30 years, provided that borrower’s age shall not exceed 70 years old at date of loan maturity.
  1. For purchase through housing loan, submit the complete documentary requirements within 30 calendar days from payment of reservation fee and pay the processing fee of Php 2,000 and Documentary Stamp Tax of Php 100.00.
  2. Receive the Notice of Approval of Loan and pay the one (1) year advance insurance premiums within 30 days.
  3. Execute and submit the notarized Deed of Conditional Sale and other mortgage documents evidencing the loan in favor of the Fund.

Below are the BASIC REQUIREMENTS for:

SELF-EMPLOYED applicants:

  • Accomplished Buyer’s Information Sheet (2 copies) with recent 1×1 ID photo (2 copies).
  • One (1) valid ID (photocopy, back to back) of Principal Buyer and Spouse, Co-Buyer and Spouse, if applicable.
  • Proof of Income for (any of the following):
    1. Owned Business
      • Income Tax Return (ITR)
      • Audited Financial Statements
      • Official Receipt of Tax Payment from bank supported with DTI Registration and Mayor’s Permit/Business Permit.
    2. Commission Base
      • Commission Vouchers reflecting the issuer’s name and contract details (for the last 12 months).
    3. Drivers
      • Certified True Copy of Transport Franchise issued by an appropriated government agency (LGU for tricycles, LTFRB for other PUVs).
    4. Foreign Remittances and Pensions
      • Bank Statements or passbook for the last 12 months (in case income is sourced from foreign remittances, pensions, etc.
    5. Rental Payments
      • Copy of Lease Contract and Tax Declaration (if income is derived from rental payments).
    6. Sari-sari Store/Mini Groceries, Sub-contractor, On-call Maintenance, Technician
      • Brgy. Certificate/Clearance
      • Properly Accomplished Certificate of Engagement, duly notarized.

Additional Requirements:

  • Copy of Frequently Asked Questions (FAQs) with signature.
  • Photocopy of Php 1,000 reservation fee receipts.
  • Photocopy of 1 valid ID of the signatory in the Certificate of Engagement
  • Insurance Coverage (if applicable only)
    • Health Statement form (Medical Questionnaire)
      • For borrowers over 60 years old
      • For borrowers up to 60 years old, if loans are over P2.0M to P6.0M
    • Health Statement Form (Medical Questionnaire) and a copy of the result of a medical examination conducted prior to assignment overseas as required by the employment agency.
    • For OFW borrowers over 60 years old.

Locally Employed

Basic Requirements:

  • Accomplished Buyer’s Information Sheet (2 copies) with recent 1×1 ID photo (2 copies)
  • One (1) valid ID (photocopy, back to back) of Principal Buyer and Spouse, Co-buyer and Spouse, if applicable.
  • Proof of Income (any of the following):
    • Notarized Certificate of Employment and Compensation (CEC) indicating the gross monthly income and monthly allowances or monthly benefits received by the employee.
    • Certified One (1) month payslip, within the last three (3) months prior to date of loan application.
    • Latest Income Tax Return (ITR) for the year immediately preceding the date of loan application, with attached BIR Form No. 2316, stamped received by the BIR.

Note: Government employees must present one-month payslip issued within the last three months prior to the date of loan application and submitted together with CEC or ITR.

Additional Requirements:

  • Copy of Frequently Asked Questions (FAQs) with signature.
  • Photocopy of Php 1,000 reservation fee receipt.

Insurance Coverage (if applicable only)

  • Health Statement Form (Medical Questionnaire)
    • For borrowers over 60 years old
    • For borrowers up to 60 years old, if loans are over P2.0M to P6.0M
  • Health Statement Form (Medical Questionnaire) and a copy of the result of the medical examination conducted prior to assignment overseas as required by the employment agency.
    • For OFW borrowers over 60 years old.

If you have more questions about Pag-IBIG’s acquired assets, you may call their hotline at 02-724-4244.  They are available 24×7.

Source: www.pagibigfund.gov.ph

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1 jan 14

The President signed the Telecommuting Act a few days before Christmas day last year.  Telecommuting is a work arrangement where employees are allowed to perform their tasks outside of the office, often from home, or a location close to home.  One only needs to have a stable internet connection, a laptop, and a mobile phone – equipment that will help him deliver his assignments as if he were working in an office.  It is called telecommuting because instead of traveling to the office, you now only travel (or commute) via telecommunication links such as phone, email, or video conferencing.

Now some of us may have already done this in the past – I know I have!  That is why I am glad that telecommuting is now an official policy that all private companies and businesses can implement.

The law, now known as Republic Act 11165, provides employers the option to have their workers perform their jobs from home on a voluntary basis.  As mentioned above, this is nothing new to Manila-based employees and maybe to some who work in private establishments based in the provinces.  Unbeknownst to us, telecommuting is a widely accepted work policy in other parts of the world.  Below are some interesting facts we gathered from the GlobalWorkplaceAnalytics.com and FlexJobs.com regarding telecommuting:

  • About 4.3 million employees worldwide (3.2% of the workforce) now work from home at least half the time.
  • Some Fortune 1000 companies have ‘face-lifted’ their office interiors to consider the fact that most, if not all, employees will be working outside of their building at one point.

Aren’t you glad telecommuting has finally been turned into law in our country this year?

While we wait for the Implementing Rules and Regulations (IRR) of this law, we summarized four important things we all need to know and understand the Telecommuting Act:

  1. Private business and company employers can offer their employees the telecommuting program on a voluntary basis.
  2. The work-from-home arrangement between the employer and his employees must be made based on minimum labor standards.  All work hours (within the work-from-home agreement) must be properly logged, monitored, and compensated.
  3. All other wage policies apply to the work rendered in telecommuting such as overtime, rest days, and leave entitlements.  They must also be given night shift differentials, regular holidays, and special non-working holidays.
  4. Their workload must still be corresponding to their job description, not more than (or less than) what their contemporaries at the office are assigned with.  They should be provided with proper training and afforded the same career development opportunities.

The telecommuting scheme will be tested by the DOLE through a pilot program for selected industries.  The test will not last more than 3 years.

What are your thoughts on this new labor law?  We’d be glad to hear from you!

Sources:

www.rappler.com

www.usnews.com

www.globalworkplaceanalytics.com

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SSS and PhilHealth Contribution Tables for 2019

1 jan 08

Happy New Year, fellow SSS and PhilHealth members!

We are sharing with you this year’s contribution tables to serve as your guide, especially if you are a kasambahay employer and a voluntary member.

SSS Contribution Table 2019 for Employed Members, OFWs, and voluntary members:

sss-contribution-table-ofw-voluntary-self-employed-2019

PhilHealth Contribution Table 2019 for Employed Members

philhealth

Last year, PhilHealth increased its monthly premium contributions for employed members.  Effective January 2018, an employed member’s contribution is 2.75% computed straight based on the monthly basic salary, with a salary floor of Php 10,000 and a ceiling of Php 40,000, equally shared by the employer and the employee.

Kasambahay contributions shall still be shouldered by the employer if the kasambahay is receiving a monthly salary of no more than Php 5,000.  Otherwise, the kasambahay shall pay his or her share.

PhilHealth Contribution Table 2019 for OFWs

The Php 2,400/year contribution rate still applies to OFWs under the OWP (Overseas Workers’ Program) applicable to land-based OFWs.

They have the option to pay the annual amount in full or make two payments of Php 1,200 every six months.

PhilHealth Contribution Table for Self-employed, Individually Paying Members

If the member’s monthly income is Php 25,000 and below, the contribution rate is Php 2,400 per year.

If his monthly income is above Php 25,000, his contribution rate is Php 3,600 per year.

They may choose to pay on a quarterly, semi-annual, or annual basis.

PhilHealth Contribution Table for Sponsored Program Members

A sponsored member’s annual premium is Php 2,400.

He is also entitled to identified in-patient hospital care (including the Z Benefit Package), out-patient care services, and other health care services provided by accredited health care centers and providers.

Sources:

http://www.sss.gov.ph

http://www.philhealth.gov.ph

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1 jan 07

A lot of people have been asking when the PhilSys ID (or National ID) will be implemented so we did some research to find out.

Earlier, we mentioned that the Philippine Statistics Authority (PSA) has been assigned to manage the implementation of the national ID system. Last October 2018, the PSA announced that they shall begin a “proof of concept” trial period for the issuance of the said identification cards.

In order to test the process created for the project, one million unconditional cash transfer beneficiaries of the DSWD will be asked to register for national IDs.  They shall also be given the privilege to begin using their national IDs ahead of other Pinoys.  The POC shall be carried out by the Philippine Postal Corporation (PHLPost) by virtue of an agency-to-agency agreement with the PSA.  This will last around six months and is set to start this month.

From this test run, the PSA hopes to identify areas of the system that need adjustments.  Any fine-tuning needed for the registration process or technical specification shall be indicated in the contract prior to the full implementation of the program.

This year, PSA is targeting to register the first six million Filipinos that are listed as Unconditional Cash Transfer Beneficiaries (UCTB).  And by 2020, they shall target the registration of 25 million Filipinos and resident aliens every year.  By 2023, all Pinoys shall have his own PhilSys ID.

For updates on the National ID system, follow our blog.

http://www.rappler.com

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Nov 27

Still wondering what IDs the DFA accepts for passport application and renewal?  Here is a comprehensive list lifted from the DFA’s Facebook page.  Don’t forget to take note of the IDs they DO NOT accept, too (to avoid hassles and delays in your application).

The DFA accepts at least one of the following IDs with one photocopy.  Please make sure you have a photocopy of the ID with you when you appear at the DFA.

  1. SSS ID
  2. GSIS ID
  3. UMID
  4. Valid Driver’s License
  5. Student Permit Card Format
  6. PRC ID
  7. OWWA or iDOLE Card
  8. Voter’s Certificate (with dry seal and signed by Election Officer)
  9. Senior Citizen ID
  10. PNP Firearms License
  11. School ID (Enrolled or Fresh Graduate)
  12. Voter’s ID
  13. Valid ePassport (for renewal)
  14. Residence Card (for applicants overseas)

The following IDs and documents are not acceptable at the DFA:

  1. Postal ID
  2. TIN
  3. Pag-IBIG
  4. PhilHealth
  5. Barangay ID
  6. Police Clearance
  7. Barangay Clearance
  8. SSS E-1 Form
  9. LTO Driver’s License receipt
  10. Paper-format Student Driver’s permit
  11. 11. Company ID

Source: www.dfa.gov.ph

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Nov 12

Are you excited to receive this year’s 13th-month pay?  I know a lot of employees are eagerly awaiting the release of this yearly windfall.  It is always good to have extra funds for the holidays.

Today we will be sharing with you the top 10 things you need to know about your 13th-month pay.  If this is your first time to receive such, it is best that you are aware of its basic details such as the covered months of the pay, how it is computed, who are entitled to it, and when it should be released to the employees.

These pointers were lifted from the Handbook on Workers’ Statutory Monetary Benefits published by the DOLE.

  1. COVERAGE

All employers are required to pay their rank-and-file employees’ 13th-month pay, regardless of the nature of their employment and irrespective of the methods by which their wages are paid, provided they worked for at least one month during a calendar year.

The 13th-month pay should be given to the employees not later than December 24 or every year.

  1. DEFINITION OF RANK-AND-FILE EMPLOYEES

The Labor Code, as amended, distinguishes a rank-and-file employee from a managerial employee.  A managerial employee is one who is vested with powers or prerogatives to lay down and execute management policies and/or to hire, transfer, suspend, layoff, recall, discharge, assign, or discipline employees, or to effectively recommend such managerial actions.  All employees not falling within this definition are considered rank-and-file employees.

The above distinction shall be used as a guide for the purpose of determining who are rank-and-file employees entitled to the thirteenth-month pay.

  1. MINIMUM AMOUNT

The thirteenth-month pay shall not be less than 1/12th of the total basic salary earned by an employee in a calendar year.

What are included as basic salary?

  • Remunerations or earnings paid by his employer for services rendered.

What are NOT included as basic salary?

  • Allowances
  • Monetary benefits which are not considered or integrated as part of the regular or basic salary.
  • Cash equivalent of unused vacation leaves and sick leave credits, overtime pay, night shift differential, and holiday pay.
  • Cost of Living Allowance (COLA).

However, these salary-related benefits should be included as part of the basic salary in the computation of the 13th-month pay if these are treated as part of the basic salary of the employees, through individual or collective agreement, company practice, or policy.

  1. FORMULA AND COMPUTATION OF 13TH MONTH PAY

TOTAL BASIC SALARY EARNED DURING THE YEAR

——————————————————————      = PROPORTIONATE 13TH MONTH PAY

12 MONTHS

 EXEMPTED EMPLOYERS

The following types of employers are not covered by PD 851 (Presidential Decree 851 Requiring All Employers to Pay their Employees the 13th-month Pay):

  • The government and any of its political subdivisions, including government-owned and controlled corporations, except those corporations operating essentially as private subsidiaries of the government;
  • Employers who are already paying their employees 13th-month pay or more in a calendar year or its equivalent at the time of the issuance of the PD 851;
  • Persons in the personal service of another in relation to such workers; and
  • Employers of those who are paid on purely commission, boundary, or task basis, and those who are paid a fixed amount for performing specific work, irrespective of the time consumed in the performance thereof (except those workers who are paid on piece-rate basis, in which case their employer shall grant them 13th month pay).
  1. TIME OF PAYMENT

The 13th-month pay shall be paid not later than December 24 of every year.  An employer, however, may give to his or her employees one-half (1/2) of the 13th-month pay before the opening of the regular year and the remaining half on or before December 24 of every year.

The frequency of payment of this monetary benefit may be the subject of an agreement between the employer and the recognized/collective bargaining agent of the employees.

  1. 13th MONTH PAY FOR CERTAIN TYPES OF EMPLOYEES
  • Employees who are paid on piecework basis are entitled to the 13th-month pay.
  • Employees who are paid a fixed or guaranteed wage plus commission are also entitled to the 13th-month pay, based on their earnings during the calendar year (ex: on both their fixed or guaranteed wage and commission).
  • Employees with multiple employers.

Government employees working part-time in a private enterprise, including private educational institutions, as well as employees working in two or more private firms, whether on a full-time or part-time basis, are entitled to the 13th-month pay from all their private employers, regardless of their total earnings from each of their employers.

  1. 13TH MONTH PAY OF RESIGNED OR SEPARATED EMPLOYEE

An employee who has resigned or whose services are terminated at any time before the time of payment of the 13th-month pay is entitled to this monetary benefit in proportion to the length of time he or she has worked during the year, reckoned from the time he or she has started working during the calendar year up to the time of his or her resignation or termination from the service.

Thus, if he or she worked only from January to September, his or her proportionate 13th-month pay should be equal to 1/12th of his or her total basic salary earned during that period.

  1. NON-INCLUSION IN REGULAR WAGE

The 13th-month pay is not part of the regular wage of employees for purposes of determining overtime and premium payments, fringe benefits, contributions to the State Insurance Fund, Social Security System, National Health Insurance Program, and private retirement plans.

  1. COVERAGE FROM INCOME TAX OF THE 13TH MONTH PAY

The 13th-month pay and other benefits, such as productivity incentives and Christmas bonus, not exceeding Php 90,000.00 are exempted from taxation.

 

Sources:

National Wages and Productivity Commission (www.nwpc.dole.gov.ph)

Department of Labor and Employment (www.dole.gov.ph)

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Nov 5

PhilHealth members no longer need to guess how much of their hospital bills will be shouldered by PhilHealth.  With the Case Rate Search app, you can begin exploring the different medical cases and corresponding rates that are covered by PhilHealth and take the guesswork out of the entire billing process.

Before the app was made available, PhilHealth members would have to wait for the hospital’s billing department to facilitate their accounts before they can get a view of PhilHealth’s participation in their hospital bill.  This is a concern for most members and has even become a reason for others to refuse confinement.  When patients are unaware of how much of their bill PhilHealth will be paying, they become concerned with their expenses and decide against having themselves admitted for proper treatment and observation.

Although PhilHealth’s participation is not applied on the patient’s bill until the attending physician has given a final diagnosis, it is still best to have an advance view of the possible deductions that the patient can look forward to.  This serves as a guideline for the patient and his family, assuring them that they will not have to shoulder all of the medical expenses on their own.

To download the app, make sure your Android phone or tablet is connected to the internet.  Launch the Play Store app and search for the ‘PhilHealth ACR’ mobile application.  Tap on the ‘download’ button and wait until the app is successfully installed in your device.  Non-android users can access the search engine at the PhilHealth’s website at www.philhealth.gov.ph.  Downloading and use of the app is free of charge.

Tell us about your experience when using the PhilHealth Case Rate Search app!

 

Source: www.philhealth.gov.ph

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Sept 06

Sa October 1, 2018, ang lahat ng PhilHealth members ay dapat nakakumpleto ng hindi bababa sa 9 months na contributions sa loob ng 12 months BEFORE or BAGO ang hospital confinement, upang magamit ang kanilang mga benepisyo.  Ito ang 9/12 rule na papalit sa 3/6 (3 months paid contributions within the last 6 months prior to confinement) rule na kasalukuyang sinusunod ng mga members at mga hospitals.

Paano ang pagbilang ng 9 months sa 9/12 rule?

Kung ang date of confinement mo ay October 2, 2018 (isang araw matapos mag effect ang 9/12 rule), bumilang ka ng 12 months pabalik, kasama ang buwan ng confinement (October).

  • 12 months: October 2018 to November 2017
  • Kailangang bayad ang contributions ng 9 na buwan between October 2018 to November 2017,
  • Hindi kailangang consecutive o sunod-sunod na buwan ang bayad; basta’t nakabuo ng at least 9 months na premium payments, eligible ang miyembro sa PhilHealth benefits.

Para sa lahat ng types ng PhilHealth members ba ang 9/12 rule?

Ito ay applicable sa lahat ng uri ng members MALIBAN SA MGA SUMUSUNOD:

  • Members na may Validity Dates ang PhilHealth cards tulad ng mga Sponsored Members, Land-based OFWs, at Indigent Members.

Magkano ang monthly PhilHealth contributions ng mga Individual Payors?

Mananatili sa Php 200 per month ang required monthly contribution (para sa P2,400 annually) at Php 300 per month (para sa Php 3,600 annually).

Ang mga employed, seafarers, at kasambahay members lamang ang nag increase ang monthly premium payments.

Tandaan:

Hindi tatanggapin ng PhilHealth ang same day settlement o ang mga miyembro na nag bayad ng kanilang contribution (para mabuo ang 9 months) sa mismong araw ng confinement.  Ibig sabihin, kahit nagbayad ka ng umaga ng October 2, 2018 at ikaw ma-admit sa hospital ng gabi ng parehong araw, hindi ico-consider ng PhilHealth na nakatupad ka sa 9/12 rule.  Kaya’t importanteng regular na nakakapag bayad ng contributions buwan-buwan para laging siguradong eligible ka, ano man ang mangyari.

Ang 9/12 rule ay mag-uumpisa sa October 1, 2018.

Source: www.philhealth.gov.ph

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