Tag Archive: PSA Correction


June 14

My brother’s SSS account has been in question for quite a few years now due to a salary loan that has remained unpaid since 2009.  I told him about the ongoing loan restructuring program being offered by the SSS and advised him to take some time off from work so he can visit an SSS office and have his loan reviewed.  Problem is, he works for an international firm that requires him to travel out of the city, and sometimes out of the country, most of the time.  On the days that he is in Manila, he spends most of his time in the office catching up on his reports and other paper works.  Next week, he is scheduled to travel to Beijing and will not be back until September.

So how does one take advantage of the SSS Loan Restructuring Program if he is almost always out of the country, works abroad, or for some reason, is not able to physically visit an SSS office?

Good thing the SSS now accepts Letter of Authority from the applicant so he or she can simply send someone else to file his application through a representative.  All he has to do is send an email to the SSS informing the department that he intends to have his loans reviewed through a representative.

How does this work?  Read this!

Requirements for the Authorized Representative:

  1. Email request of the member-borrower.
  2. Scanned copy of the Letter of Authority.
  3. Scanned copy of two valid identifications cards of the member-borrower.
  4. Photocopies of two valid IDs of the authorized representative.
  5. Printed email showing both email addresses of the member-borrower and of the authorized representative.

Authorized representatives may also do the following in behalf of the member-borrower:

  1. Accomplish the LRP application form.
  2. Sign in “Conforme” portion of the Statement of Loan Balances for LRP and Disclosure Statement.
  3. Sign the promissory note.
  4. Receive the Notice of Approval.
  5. Pay the restructured loan based on the agreed term.

How about OFW members who also wish to avail of the SSS Loan Restructuring Program?

OFW members may personally file their applications at any SSS office in the country (if they are home) or have their spouse or relative file this for them.  If he or she is going to send a representative to do this for him, he needs to execute a Special Power of Attorney or SPA.

  1. The representative must bring two valid IDs, with one or both showing the representative’s signature and photo.
  2. Fill-out the Loan Restructuring Application form (MLP-01263) with black ink (only).
  3. Secure a copy of the Statement of Loan Balance for Loan Restructuring Program; you can get this at the nearest SSS branch in your area.
  4. Accomplish an Affidavit of Residency that will prove that you live or work in an area that is declared to have been under a state of calamity. Have the affidavit notarized. This is no longer required for members who already have a Calamity Loan or Salary Loan Early Renewal Program (SLERP).
  5. Submit all duly accomplished application forms and other requirements at the nearest SSS office or Foreign Office (if OFW is filing abroad).

The SSS has made the Loan Restructuring Program more accessible to everyone, so make sure to grab this opportunity to straighten out your loan accounts with the department.  This will help secure your future claims from the SSS, including and most especially, your pension.

Have a great day!

 

Reference: www.sss.gov.ph

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June 13

If you are planning to visit South Korea anytime soon, it is good to know that you no longer need to wait in line by the Embassy of the Republic of Korea to get a visa.  Starting July 1, 2018, South Korea visitors may secure their visas through authorized travel agencies!

According to the Korean Embassy, the number of visa applicants increased from 90,000 in 2015 to 120,000 by the end of 2016.  As a result, the embassy is now never without visa applicants, waiting in line for their turn to submit their documents and be granted their visas.  Others who cannot be accommodated in the premises of the embassy have to wait under the sweltering heat of the sun until they are called inside for their turn.

In order to reduce the foot traffic in the embassy premises, applicants are now invited to submit their visa applications at any of the following authorized travel agencies:

  • Aboex Travel and Tours
  • Adventure International
  • Ark Travel Express, Inc.
  • Blue Horizons Travel and Tours, Inc.
  • Budget Travel and Tours, Inc.
  • Casto Travel Philippines, Inc.
  • City Travel and Tours Corporation
  • Come On Philippines Golf and Travel Agency, Inc.
  • Constellation Travels, Inc.
  • First United Travel, Inc.
  • Getaway Tours International Inc.
  • Grand Hope Travel, Inc.
  • H.I.S. (Philippines) Travel Corp.
  • Hanatour Manila Inc.
  • HankookCeb Corp.
  • Horizon Travel and Tours, Inc.
  • International Journeys, Inc.
  • Island Resort Club Tour Services, Inc.
  • JTB Asia Pacific Philippine Corporation
  • KP Joeun Consultancy, Inc.
  • Las Palmas Tours and Travel Agency, Inc.
  • Marsman Drysdale Travel, Inc.
  • MNK Travel and Tours Corp.
  • North Star International Travel, Inc.
  • Pan Pacific Travel Corporation
  • Party-On Travel and Tour Community Inc.
  • Rajah Travel Corporation
  • Rakso Air Travel and Tours, Inc.
  • Reli Tours and Travel Company
  • Sharp Travel Service (Philippines) Inc.
  • Swire Travel Philippines, Inc.
  • The Baron Travel Corporation
  • Travel Pros
  • Travelservices, Inc.
  • Uni-Orient Travel, Inc.

Take note that beginning July 1, the Korean Embassy will only entertain walk-in applicants for the following:

  • Spouses and children of Koreans;
  • Holders of Visa Issuance Number;
  • Government employees with official business trips; and
  • Those with humanitarian reason to travel to Korea urgently.

Applicants for Temporary Visitor’s Visa will no longer be accepted.

Source: http://news.abs-cbn.com/news/05/30/18/visa-application-for-korea-now-only-through-travel-agencies

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June 04

Apart from our birth and marriage certificates, the PSA will also be assigned to manage the national ID system once it is signed into law.

What are the personal information that the PSA will collect to form part of the national ID?

  1. Common Reference Number or CRN and other basic information.
  2. Biometrics
  3. Voter’s ID,
  4. Philippine Passport Number
  5. Taxpayer’s Identification Number (TIN)
  6. Philippine Health Insurance Number (PhilHealth)
  7. Professional Regulation Commission license number (PRC)
  8. Driver’s License Number

The PSA is authorized to release a person’s data only under the following conditions:

  • Upon the consent of the registered person, specific to the purpose prior to the processing.
  • Upon risk of public health and safety when relevant information may be disclosed, provided the risk of significant harm to the public is established and the owner of the information is notified within 72 hours of the fact of such disclosure.
  • Upon order of the court.
  • When a registered person requests access to his or her registered information and record history, subject to the guidelines and regulations to be issued by the PSA.

Ultimately, the national ID system aims to make the acquisition and delivery of government services easier for everyone while keeping fraudulent activities at bay.  The National Privacy Commission likewise ensures that the implementation of the national ID system shall fully adhere to the provisions of the Data Privacy Act, especially in the handling and processing of personal data.

The President is anticipated to sign the bill.  In case he does not, it will lapse into law after 30 days.

Do you agree that we should have a national ID to represent all other government IDs that we currently have?

Reference: https://www.rappler.com/nation/203725-national-id-system-philippines-ratified-duterte-signature

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May 29

If you are planning on working abroad, one of the first things you need to take care of is your security.  Be wary of illegal recruiters and fake job agencies that can only get you in serious trouble with abusive employers abroad.  In order to avoid being in an OFW Horror Story, you need to account your employment with the Philippine Overseas Employment Administration or the POEA.

Who is the POEA?

The POEA is primarily responsible for securing the best employment terms of Pinoy migrant workers, from the moment they engage with a recruiter in the Philippines until they are deployed to their respective employers.   POEA works alongside its sister agency, the Overseas Workers’ Welfare Administration (OWWA) to ensure that the Pinoy overseas workers’ welfare is respected and upheld, wherever he may be.

POEA provides services to help OFWs gain their legal status through the proper documents and certifications before leaving the country, while the OWWA is responsible for cases and concerns involving OFWs who are already deployed abroad.

What does the POEA do?

  1. They issue licenses to recruitment and placement and manning agencies for land-based and sea-based workers, respectively.
  2. They monitor and supervise the operations of these recruitment and manning agencies.
  3. They monitor the government’s anti-illegal recruitment program and conducts anti-illegal recruitment seminars nationwide.
  4. They cascade information and expose facts about illegal recruiters, job scams, laws in other countries concerning migrant workers, and other overseas employment-related matters.
  5. The POEA only allows deployment to countries that protect OFW rights with respect to the requirements of the Amended Migrant Workers Act.  These countries are certified by the Department of Foreign Affairs.
  6. They provide legal assistance to Filipinos who fell victim to illegal recruitment and job scams.
  7. They help provide repatriation assistance to displaced OFWs.

Overseas Employment:

  1. They handle the accreditation of foreign employers who hire OFWs.
  2. They process the approval of job orders or requests for workers received from other countries.
  3. They conduct the necessary pre-employment orientation seminars for job applicants.
  4. They evaluate and process employment contracts.

 

You can avoid becoming the next victim of job scammers and illegal recruiters if you acquaint yourself with the requirements and services of the POEA.  The processes that you will be required to undergo (seminars, submission of documents) may look tedious at first but you will realize that it is so much better that taking the shortcut with a possible illegal recruiter.

The government’s primary concern is the safety and welfare of Pinoys who will be working on foreign soil.  And the only way the government can be successful in this endeavor is if all aspiring OFWs (and even those who have already been deployed), would cooperate with the POEA’s processes and requirements.

Tomorrow we are going to feature the different key services offered by the POEA to prospective OFWs.

Reference: www.poea.gov.ph

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May 15

Pinoys have yet to fully accept the values and benefits of being insured.  Whether it is a life or medical insurance, every working Filipino must be protected from the inevitable.  When unfortunate situations arise – a family member gets sick, a child meets an accident – it is best to be prepared.

If you are employed by the government or by a private firm, it is most likely that you are granted a medical insurance sponsored by your employer.  This is a good thing to have, especially if it is extended to your family.  However, this is only applicable while you are salaried by your employer.  The moment you quit your job (or it quits you!), you lose the privilege and will be left on your own to manage when you or someone in your family gets sick.

That is why it is important that you have yourself enlisted as a member of the PhilHealth, if you haven’t yet.  The PhilHealth voluntary membership is open to anyone who does not have a fixed employment, not a senior citizen, not an indigent member, or sponsored member of the PhilHealth.

Who are qualified to become voluntary PhilHealth members?

  1. OFWs – documented or undocumented Filipino workers abroad.
  2. Self-employed professionals – self-earning individuals such as entrepreneurs, lawyers, doctors, and freelancers whose income is generated from their profession or business.
  3. Informal sector workers – people working in the informal economy, including jeepney and tricycle drivers, street and market vendors, and small construction workers.
  4. Dual citizens – Filipinos who also hodl citizenship in another country.
  5. Naturalized Filipino citizens – foreigners who have become Filipino citizens through naturalization.
  6. Expats – foreign workers who live in the Philippines with valid working permits or Alien Certificate of Registration.

What documentary requirements do you need to prepare when applying?

You only need a duly accomplished PhilHealth Member Registration Form (PMRF) and submit this to the nearest Local Health Insurance Office or PhilHealth Express outlet.

You will then be issued a Member Data Record or MDR and an ID card after your application has been reviewed.  Your PhilHealth ID number will serve as your lifetime PhilHealth number and must be used as reference when you pay your contributions to the cashier.

Online application is also available!

  1. Go to the PhilHealth Electronic Registration System.
  2. Click on “Proceed”.
  3. Read the Terms and Conditions, tick the small box below, and click “Accept”.
  4. On the PhilHealth online registration form, enter the required information.
  5. Upload your document in jpeg, pdf, gif, or png format.  (optional)
  6. Enter the provided Captcha code, tick the small box below, and click “Submit Registration”.

Access your email for the instructions on how to complete the rest of your application.  Take note of your transaction number as this will serve as your reference number to your registration.

How much should be my contribution?

Members earning PHP 25,000 or below every month must pay a quarterly contribution of PHP 600 (or PHP 200 per month / PHP 2,400 per year).

Members earning over PHP 25,000 must pay PHP 900 for the quarter (or PHP 300 per month / PHP 3,600 per year).

It costs so little to become a bona fide PhilHealth member, but the assurance of knowing that you are covered by the PhilHealth when emergencies strike will far outweigh the price you think you are paying now.

Visit the nearest PhilHealth office now and have yourself signed up as a member.

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

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May 15-1

Renewing your driver’s license and car registration has become so much simpler and faster now that the Land Transportation Office (LTO) has launched their LTO Online Personal Appointment and Scheduling System or PASS.   Applicants may now simply set an appointment at any of the four LTO branches that offer the PASS service to ensure that they will be attended to during their visit.

The system is seen to reduce the entire renewal process to just 45 minutes, a far cry from the usual 4-hour wait time for walk-in transactions.

How does the LTO PASS Work?

You only need to visit the LTO Online System at https://www.lto.net.ph and book your appointment.  You will be required to key in your address and contact details, as well as your driver’s license number.  Don’t worry, the site runs on a secure platform with an HTTPS encryption so all your information is safe and cannot be accessed by hackers.

Is this open to all areas that have an LTO branch?

LTO is currently running the project in five pilot branches in Metro Manila but their direction is to have it available nationwide.  Here are the branches that accept appointments made through the LTO PASS system:

  1. Central Office in East Avenue, Quezon City
  2. Novaliches, Quezon City
  3. Marikina
  4. Muntinlupa
  5. Pasig City

The agency is targeting to have all branches activated with the PASS by the end of the year.  While the roll-out is ongoing, the LTO will continue to accept walk-in applicants for driver’s license and car registration renewal.

For now, the PASS facility will only be accepting renewal transactions for driver’s license and car registration.  All other transactions are still on a first-come, first-served basis.

How to use the PASS online facility:

  1. Log on to the site https://www.lto.net.ph/LTO/Online and prepare to provide the following information:
  • Driver’s License Details
    • Driver’s License Number
    • Birthdate
  • License Holder’s Information
    • First, Middle, and Last Names
    • Home Address
    • Email Address
    • Mobile Number
  1. Click on Drive’s License Renewal or Motor Vehicle Renewal.
  2. Read the terms and conditions. Tick the small box at the bottom of the page to agree to the terms.
  3. Enter the CAPTCHA code and click Continue.
  4. Fill out the online appointment form and submit.
  5. Choose the branch, date, and time you wish to have the renewal processed. The system is able to determine if your license is already about to expire and will only take you to the scheduling page if your license is up for renewal.
  6. A confirmation email will be sent to you as soon as you are done booking an appointment online. Save this and show it to the LTO staff on the day of your appointment.

Try this new system from the LTO and let us know about your experience!

References:

http://www.lto.gov.ph

https://www.lto.net.ph/LTO/Online

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May 08

The OEC is a basic requirement for OFWs before they are given permission to work abroad.  They must secure this to ensure that their departure and overseas employment are properly documented.  This document has a 60-day validity from the date it was issued; this means that the OFW must be able to leave before the OEC expires.

Apart from it being a basic requirement, an OEC document presented at the airport also exempts the traveler from paying travel taxes and terminal fees.  It serves as the exit pass or clearance of the OFW as well as a proof of his status as a legitimate OFW.

What are the requirements when securing an OEC?

  1. Passport with at least six months validity from departure date.
  2. Valid work visa, work permit, or any equivalent document.
  3. Verified employment contract or offer of employment.
  4. Printed Balik-Manggagawa Information Sheet

Other documents may be required depending on the required skills (professional, low-skilled, household services).  Canada and US workers will be required to submit additional requirements.  Always bring the original and photocopies of your documents.

Are there fees that need to be paid?

  • POEA Processing Fee – PHP 100 per e-receipt/OEC
  • OWWA Membership Fee – USD 25 (or its PHP equivalent)
  • Pag-IBIG Contribution – Minimum of PHP 100 each month
  • PhilHealth Contribution – PHP 2,400 for one-year coverage

How to apply for an OEC:

There are two ways to apply for an OEC:

Walk-in applicants may apply at any of these processing centers:

  • POEA main office at EDSA corner Ortigas Avenue, Mandaluyong City (Balik-ManggagawaProcessing Division/BMPD)
  • POEA regional offices, regional extension units, and satellite offices.
  • Philippine Overseas Labor Offices (POLO) in the country of employment.
  • Labor Assistance Counters at Manila, Cebu, and Mindanao airports (only for returning OFWs who are staying in the Philippines for five days or less).

You may also set an appointment online at the BM Online Appointment System; this will allow you to choose your preferred schedule and venue for processing of your OEC.

Walk-in applications, including those who have scheduled appointments, may take the whole day or several days to complete.

How to get an OEC Exemption

If you are an OFW and are returning to the same employer or workplace, and have an existing record with the POEA, you can be exempted from the OEC requirements.  All you have to do is log in to your BM online account before your scheduled departure and click on “Acquire OEC or Exemption”.  The system will show a pop-up confirmation message of your BM Exemption Number and pre-departure instructions on what documents you need to present at the airport.

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May 03 - 2 (1)

Are you planning to buy a house soon?  Have you considered getting one through a Pag-IBIG housing loan?

Here are some facts and figures that could help you decide on availing a real estate property through your Pag-IBIG membership.

  • Lower interest rates for Regular Housing Loan

Effective February 14, 2018, the Pag-IBIG began offering home loan interest rates for as low as 5.67% per annum (from 5.5%) for a 1-year fixing period, and 6.37% per annum (from 6.5%) for a 3-year fixing period.  This applies to members who are willing to pay a 25% equity upfront.

Members can borrow up to P6-million, depending on their monthly salary and the loan may be payable up to 30 years.

Pag-IBIG boasts that their interest rates are at an all-time low this year (2018) and therefore, is the best time to avail of a housing loan from the agency.

  • More affordable pabahay for minimum-wage earners.

Lowest interest rate at 3% per annum.

Roughly P1,897.22 monthly amortization for the first five years of a P450,000 loan, over a 30-year repayment period).

No equity

For developer-assisted housing loans up to the prevailing maximum limit for socialized housing loan, the LTV ratio shall be 100% provided the developer’s License to Sell is for a socialized housing project and the loan purpose is for the purchase of a residential unit.

Longer loan term of up to 30 years.

Only 7 documents to apply!

  • Pag-IBIG offers Online Housing Loan Application.

You have the option to submit your application online at http://www.pagibigfund.gov.ph/HousingLoan

  • Housing Loan Programs Orientation
    • Every Saturday at 2/F JELP Business Solutions Building, 409 Shaw Blvd., Mandaluyong City
    • Every 2nd Saturday of the month at 3/F Lecture Hall B, Legislative Building, Quezon City Hall.
    • Every 3rd Saturday of the month at Rizal Provincial Capitol Multi-purpose Hall, Antipolo City

All orientation programs run from 9Am to 11AM and are given for free to all interested housing loan applicants.

For more information about Pag-IBIG housing loans, you may call their hotline at 02-724-4244 or visit their website at www.pagibigfund.gov.ph

 

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

 

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May 03 - 1

In a previous article, we featured the guidelines on how you can be sure that you are eligible to claim your PhilHealth benefits after you have been confined and treated in a hospital.  There are cases, however, when even a qualified PhilHealth member is not able to fully enjoy his privileges in spite of showing sufficient proof that he or she must be afforded his PhilHealth benefits.  Sadly though, the causes of these issues are often due to the medical facility’s negligence and refusal to abide by the policies set by PhilHealth for its affiliated clinics and hospitals.

To help you maximize your PhilHealth benefits, here are four important tips you need to know when applying your privileges as a PhilHealth member:

  • PhilHealth does not refund benefits directly to members.

This means that the hospital or clinic must deduct the amount of PhilHealth’s participation in your treatment, from your total hospital bill.  The benefits may not be converted to cash that the hospital “pays” to the patient.

  • The PhilHealth benefit must be applied AFTER other tax deductions, including the Senior Citizen discount.

The Senior Citizen discount and Value-added Tax (VAT) are different from PhilHealth benefits.  If the patient is a Senior Citizen, the SC and VAT must first be deducted from his total hospital bill, before his PhilHealth benefits are applied.

This computation is applicable only if the No Balance Billing was not applied to the patient’s case.

  • 3 Must-have documents when claiming your PhilHealth benefits:
    • PhilHealth Claim Form 1 (CF1)
    • Member Data Record (MDR)
    • Contributions Record
  • PhilHealth members with complete documents must not be made to pay the hospital bill in full.

Some health institutions make the patient pay the full hospital bill with the promise of refunding them their PhilHealth benefits after they have received the funds from PhilHealth.

This is not how PhilHealth benefits are disbursed to members.

Should the hospital demand that you pay the bill in full, even after you have satisfied all requirements for the application of your PhilHealth benefits, report them right away to PhilHealth.  Most hospitals have PhilHealth helpdesks in its premises; you may also call the PhilHealth call center at 02-441-7442.

Reference: www.philhealth.gov.ph

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Apr 30

The Department of Education has announced the age cut-off policy for incoming Kindergarten and Grade 1 students for school year 2018-2019.  Find out if your little one is qualified to step up!

  1. Children who are five years old by June 1 of every calendar year shall be accepted in Kindergarten by both public and private schools.
  2. Learners entering Kindergarten who will turn five years old by the end of August may be considered by schools provided that they are administered with the Philippine Early Childhood Development (ECD) checklist before the school year opens.
  3. Recognizing the difference in school year opening among schools, Kindergarten learners should be five years old by July 1, with an extension period until September 30, if their schools open the school year in July; and by August 1, with an extension period until October 31, if their schools open the school year in August.
  4. Learners who completed Kindergarten in SY 2017-2018 shall be allowed to enroll in Grade 1, given that they turned five years old within SY 2017-2018.
  5. Learners who will turn five years old within SY 2018-2019 shall be accepted in Kindergarten granted that they pass the Philippine ECD checklist.
  6. Incoming Kindergarten for SY 2019-2020 must strictly comply with the cut-off age policy.

The above provisions were announced by DepEd, following the issuance of the “Amendment to DepEd Order No. 47, S. 2016” otherwise known as the “Omnibus Policy on Kindergarten Education.  These policies are applicable to both public and private schools and providing for transitory provisions to accommodate Kindergarten and Grade One enrollees for SY 2018-2019 and SY 2019-2020.

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

 

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